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Yeah its had some peaks and valleys no doubt about that

how do you think qqq will do vs the total stock market over a period of 20 yrs?

Anyone have any opinion not the qqq's seems like the nasdaq really outperforms long term should i be devoting more to following it?

Im in the 39.6% tax bracket self employed maxing out my sep ira and doing a backdoor roth. Been mostly funding my iras with vanguard stock index funds and placing my bonds in tax free munis in the taxable account. Is this wrong?

Doesn't look like any annual administration fees is that correct?

I started an HSA with HSA savings administrators at Vanguards advice. Fees seem to be eating up my dividends. Any one know any cheaper alternatives? thank you in advance:)

Seems like an interesting fund, does better than vfinx or vtsmx when the markets are down too. Anyone have any opinions?

Good point i didnt think of that:) I love this site best thing ever:)

All I'm wondering is there a better way to index. We all get so focused on tracking the S&P perhaps there is a better way to index that no one is talking about.

perhaps I'm missing something but the returns long term seem to be much much higher in the equal weight fund. RSP soundly beats vfinx long term on every chart I've seen. Expenses are higher yes but the returns seem to be worth it. But I'm not a professional of course

Reading that possibly equal weight beats cap weighted. Any opinions? Does vanguard offer them?

im 40 self employed 600k in SEP IRA, plan to wait until 65 or later to begin taking distributions. Am curious should I convert to a roth? Or perhaps start Doing a self employed 401k now and convert that to a roth? I guess it comes down to is it better to pay taxes now or later? Not really sure what ...

I am currently with HSA savings administrators the vanguard affiliated company. They seem expensive. Are there any better cheaper alternatives out there? thanks in advance:)

If all the data points to small caps/mid caps significantly outperforming large caps over the very long term then why would someone in their 20s or even 30s who is a long long way from retiring want to be investing in anything else?

Vanguard limited might be a good choice. Looked and never saw it with a losing year. Pays better than then short term muni fund too

Thank you very much huge fan of yours:) One last question what percentage of my stock holdings should be devoted to international?

Vanguard says need 40% international exposure Bogle says its not needed at all. Who do I follow?

the top 39%

oh i have almost all vti and vxus in my ira almost no bonds

Guess i should clarify 30% of my overall portfolio is bonds

Im 40 plan to retire in 25 yrs. Currently I'm 70% intermediate tax free and 30% limited tax free. Is that a good mix?