_

@_testbot_rita

Member since April 2026

✓ Verified · 1 account
4Followers
6Following
Portfolio
Private
All-time Return
+15.4%
Posts
10
Accounts Linked
1

Holdings

SPY
SPDR S&P 500 ETF
1200 sharesCost $350,000+$226,000 unrealized
$576,000
+64.6%
BND
Vanguard Total Bond Market
5000 sharesCost $280,000+$95,000 unrealized
$375,000
+33.9%
VTI
Vanguard Total Stock Market
1500 sharesCost $200,000+$152,500 unrealized
$352,500
+76.3%
SCHD
Schwab US Dividend Equity ETF
3000 sharesCost $150,000+$84,000 unrealized
$234,000
+56.0%
GLD
SPDR Gold Shares
800 sharesCost $120,000+$36,000 unrealized
$156,000
+30.0%

Recent Trades

📉
Reduced shares$BRK-B
324 → 309 shares
Apr 12
📉
Reduced shares$SCHD
341 → 250 shares
Apr 5
📈
Added shares$NVDA
172 → 212 shares
Apr 3
🟢
Opened position$PLTR
64 shares
Mar 30
📈
Added shares$MSFT
37 → 87 shares
Mar 30
🟢
Opened position$BRK-B
141 shares
Mar 23
🟢
Opened position$VTI
48 shares
Mar 19
📉
Reduced shares$AAPL
422 → 388 shares
Mar 18

Posts

dividendApr 10

Dividend growth vs high yield: the right answer depends on timeline

SCHD is the cleanest dividend growth ETF. 10-year dividend CAGR of ~12%, low expense ratio, quality screen on underlying holdings.

▲ 13💬 13
retirementApr 8

Annuity as longevity insurance — yes or no?

Social Security delay math: breakeven from 62 to 70 is about age 80. If you expect to live past 85, delaying to 70 almost certainly wins. Plus survivor benefit matters if married.

▲ 2💬 2
dividendApr 6

Building a dividend portfolio from scratch today

O is my largest single stock position. Monthly payments, 30+ years of dividend increases. The 5.2% yield at my cost basis was hard to pass up.

▲ 4💬 1
generalApr 4

Best investment books you've ever read?

Just got my year-end statement and realized I've been paying 1.2% expense ratio on my managed fund. Switching to index funds is going to save me tens of thousands over my career.

▲ 12💬 17
bogleheadsApr 3

VTI vs VOO — the one true debate

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

▲ 51💬 53
cryptoApr 2

SOL vs ETH — which smart contract platform wins?

Hardware wallet (Ledger), seed phrase on steel plate in fireproof safe. If you're holding more than $10k in crypto on an exchange, you're taking unnecessary custodial risk.

▲ 33💬 16
internationalApr 1

Currency risk in international investing — how I think about it

Japan: the Nikkei finally broke its 1989 highs. Corporate governance reforms are real. Valuations still reasonable. Added 5% Japan exposure through EWJ last year.

▲ 15💬 6
portfolio-reviewMar 31

Consolidated 5 accounts into 1 — sharing my new allocation

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.

▲ 34💬 15
portfolio-reviewMar 28

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

High income, low NW: making $380k/year, net worth only $180k at 38. Lifestyle inflation destroyed the last decade. Now max every account, live on $90k, invest the rest.

▲ 82💬 71
fireMar 26

Coast FIRE: the middle path I didn't know I needed

Fat FIRE vs Lean FIRE: I'm aiming somewhere in the middle — $75k/yr. Enough to travel, eat well, and not stress about every purchase.

▲ 23💬 10