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@_testbot_nina

Member since April 2026

✓ Verified · 1 account
6Followers
3Following
Portfolio
Private
All-time Return
+3.1%
Posts
10
Accounts Linked
1

Holdings

VOO
Vanguard S&P 500 ETF
10 sharesCost $4,200+$600 unrealized
$4,800
+14.3%
MSFT
Microsoft
10 sharesCost $3,500+$500 unrealized
$4,000
+14.3%
AAPL
Apple
20 sharesCost $3,200+$700 unrealized
$3,900
+21.9%

Recent Trades

🟢
Opened position$BRK-B
162 shares
Apr 8
📉
Reduced shares$PLTR
346 → 294 shares
Apr 5
📉
Reduced shares$O
434 → 412 shares
Mar 15

Posts

portfolio-reviewApr 14

Inherited $150k — how I'm thinking about deploying it

Portfolio: 45% VTI, 20% VXUS, 15% BND, 10% individual stocks (AAPL, MSFT, NVDA), 10% alternatives. 34 years old. $320k invested. Planning to retire at 57. Am I on track?

▲ 1💬 3
portfolio-reviewApr 13

Combined our finances — sharing the joint portfolio

Year-end changes: eliminated all individual stocks (was 25% of portfolio). Too much tracking for minimal benefit. New allocation is pure 3-fund. Simpler, cheaper, better.

▲ 188💬 92
news-macroApr 13

Recession probability models I follow

Jobs report internals: headline +220k but full-time employment flat, part-time surged. Average hours worked declining. Underlying labor market softer than headline suggests.

▲ 0💬 1
news-macroApr 12

Fed meeting takeaways — what the bond market is pricing

Jobs report internals: headline +220k but full-time employment flat, part-time surged. Average hours worked declining. Underlying labor market softer than headline suggests.

▲ 61💬 37
reitsApr 7

Cap rate math: how I evaluate REIT fair value

Industrial REITs ($PLD, $EGP): e-commerce secular tailwind, near 100% occupancy, 5%+ rent growth on renewals. Office REITs: tenant flight to quality, high vacancies, hybrid work questions. Avoiding.

▲ 11💬 13
portfolio-reviewApr 5

First $500k — sharing the allocation that got me here

10-year 3-fund update: started with $12,000. Invested $1,500/month for 10 years. Current value: $378,000. Total contributions: $192,000. Market did $186,000 of the heavy lifting.

▲ 259💬 96
bogleheadsMar 29

Small cap tilt: yes or no?

Switched from a 1.2% expense ratio advisor 4 years ago to a 3-fund portfolio. Best financial decision I've ever made.

▲ 146💬 54
bogleheadsMar 22

Taxable vs tax-advantaged: how do you think about asset location?

International allocation debate: I landed at 30% after reading the research. Yes, US has dominated for 15 years. No, that doesn't mean it will continue. Diversification is free insurance.

▲ 23💬 8
portfolio-reviewMar 11

Rate my portfolio: 34yo, $320k NW, aggressive growth

Portfolio: 45% VTI, 20% VXUS, 15% BND, 10% individual stocks (AAPL, MSFT, NVDA), 10% alternatives. 34 years old. $320k invested. Planning to retire at 57. Am I on track?

▲ 16💬 5
portfolio-reviewMar 11

After-tax return analysis vs benchmark

Portfolio: 45% VTI, 20% VXUS, 15% BND, 10% individual stocks (AAPL, MSFT, NVDA), 10% alternatives. 34 years old. $320k invested. Planning to retire at 57. Am I on track?

▲ 14💬 17