Financial Independence Daily FI discussion thread - Saturday, June 12, 2021 |
- Daily FI discussion thread - Saturday, June 12, 2021
- Buying a More Expensive House / Proportioning Higher % of Net Worth
- Using Leverage on Conservative Allocation
- Daily FI discussion thread - Friday, June 11, 2021
- Weekly FI Frugal Friday thread - June 11, 2021
| Daily FI discussion thread - Saturday, June 12, 2021 Posted: 12 Jun 2021 02:00 AM PDT Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. [link] [comments]  |
| Buying a More Expensive House / Proportioning Higher % of Net Worth Posted: 11 Jun 2021 09:38 PM PDT I know conventionally people suggest the "safe" route and to buy what is essentially as little house as possible for the money you have as a primary property, but I'm against it for many reasons. Say this is the scenario... -Live in a HCOL area where anything under $1M gets you a 60 year old tool shed So what if I decide to throw that entire $1M into a house and stretch the total budget to $1.5M, versus doing something more conservative... like partition $700k into index funds and only use $300k as a downpayment. Honestly, I rather have the house than have most of my net worth be from cash or index funds. Thoughts? [link] [comments]  |
| Using Leverage on Conservative Allocation Posted: 11 Jun 2021 12:44 PM PDT Wanted to get some opinions here. 30 years old, making $300-350k, net worth ~$1m, shooting for retirement at 40 spending ~$7-8k/mo. I'm 100% stocks in my 401k and Roth IRA (~$200k combined), but in my brokerage (~$400k) I'm 35% Fixed income (mostly muni's and LT treasuries), 10% commodities, 10% emerging markets (most Korea), and the rest in quality dividend stocks. This is where I put all my excess cash. I also use M1 borrow at 2% cost to take out 30% leverage. This has been great for me as my trailing 12 month returns considering the leverage are ~29% so I'm just a step behind the S&P 500. But I believe at a lower risk profile. I'm choosing to be more aggressive with my capital commitments then the volatility of my portfolio since I have ~$120k out on leverage and another $400k left on my mortgage. Am I being too aggressive with leverage? Or not aggressive enough with my asset allocation? Curious to see what everyone thinks! [link] [comments]  |
| Daily FI discussion thread - Friday, June 11, 2021 Posted: 11 Jun 2021 02:00 AM PDT Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. [link] [comments]  |
| Weekly FI Frugal Friday thread - June 11, 2021 Posted: 11 Jun 2021 02:00 AM PDT Please use this thread to discuss how amazingly cheap you are. How do you keep your costs low? How do become frugal without taking it to the extremes of frupidity? What costs have you realized could be cut from your life without pain? Use this weekly post to discuss Frugality in general. While the Rules for posting questions on the basics of personal finance/investing topics are more relaxed here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. [link] [comments]  |
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