@_testbot_yang
Member since April 2026
Holdings
Recent Trades
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Year-end portfolio review — full breakdown and changes
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.
The interest rate impact on REIT valuations — explained
Data center REITs are the AI infrastructure play people sleep on. $DLR and $EQIX have 10-year contracts with hyperscalers who can't build fast enough. Power constraints create a durable moat.
DCA into crypto during this consolidation
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.
New position in $O — my thesis
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.
My watch list: 5 stocks I'll buy on a 20% pullback
JPM is the best-run bank in America. Superior risk management, diversified revenue, fortress balance sheet. Not cheap but quality rarely is.
How much of your paycheck are you investing each month?
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.
Running the numbers: how much do I actually need to retire at 40?
The 4% rule assumes a 30-year retirement. FIRE at 40 means potentially 50+ years of portfolio withdrawals. I'm using 3.5% as my number and holding 5 years of expenses in bonds as buffer.
$GME squeeze incoming??? Reading the tape
Full transparency: started year with $45k. Peak: $112k in March. Current: $28k. The market humbles you. Still holding $PLTR. Diamond hands or cope? Probably cope.
The math on sequence of returns finally clicked for me
Target date funds get a bad rap but for someone who won't rebalance manually, they're perfect. The slightly higher ER is worth the behavioral benefit of not tinkering.
How much of your portfolio is outside the US?
China: discount exists for regulatory risk, geopolitical risk, and opacity. I reduced China from 15% to 5% of my international allocation. Still there, but sizing reflects the risks.