Search found 1251 matches

by WanderingDoc
Thu Oct 11, 2018 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 111
Views: 8474

Re: What did you buy today

Subway sandwich, chips, diet coke And a little bit of a bond fund. Cured processed meats, artificial sweeter and a salty poison oiled carb. Read up on gut bacteria and toxins for the best investment in your health you will ever make! Don't lecture her on what to eat. Warren Buffet eats a cheeseburg...
by WanderingDoc
Thu Oct 11, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 45448

Re: Lucrative careers?

I think they are RNs with additional certifications. Can you be a CRNA without being a RN first? I kind of doubt it. You need several years of additional schooling, in a program that's hard to get accepted to by RNs. It's like saying a PhD and a Bachelors are the same, just one needs additional yea...
by WanderingDoc
Thu Oct 11, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 102
Views: 9949

Re: When will you backup the truck on stocks

Today is what I call a real sell off day, but not something that would make me break open the cash reserves and plung in. I have some reserves that I have earmarked for purchasing 5% more equities in case of a serious sell off. This isn't a regular re-balancing to your IPS or sleeping point plan. T...
by WanderingDoc
Thu Oct 11, 2018 10:30 am
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 102
Views: 9949

Re: When will you backup the truck on stocks

Today is what I call a real sell off day, but not something that would make me break open the cash reserves and plung in. I have some reserves that I have earmarked for purchasing 5% more equities in case of a serious sell off. This isn't a regular re-balancing to your IPS or sleeping point plan. T...
by WanderingDoc
Wed Oct 10, 2018 10:05 pm
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 102
Views: 9949

Re: When will you backup the truck on stocks

Today is what I call a real sell off day, but not something that would make me break open the cash reserves and plung in. I have some reserves that I have earmarked for purchasing 5% more equities in case of a serious sell off. This isn't a regular re-balancing to your IPS or sleeping point plan. T...
by WanderingDoc
Wed Oct 10, 2018 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 111
Views: 8474

Re: What did you buy today

Fallible wrote:
Wed Oct 10, 2018 7:42 pm
I bought frozen organic kale for the first time.
Frozen kale or spinach is in >90% of my dinners. Usually sauteed in grass-fed butter with fish, chicken, of beef with lots of raw garlic on top. Its the way to do it :beer
by WanderingDoc
Wed Oct 10, 2018 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 111
Views: 8474

Re: What did you buy today

I had some dry powder on the side waiting for an opportunity.. I used some of it to add some ITOT at $63.50 today. Like to know if you used this as an opportunity to buy some (if yes, what did you buy) or waiting for more downturn for buying opportunity Well, hang on to yer helmet. 'Cause you're ab...
by WanderingDoc
Tue Oct 09, 2018 6:39 pm
Forum: Investing - Theory, News & General
Topic: Argument for taking social security before 70. Comments?
Replies: 134
Views: 10383

Re: Argument for taking social security before 70. Comments?

Money now is always better than money later. Of course, as long as the amounts are the same. But the relevant question is how much less money now is better than how much more money later? No brainier. I'd take them at age 40 if I could. Interesting. What percentage of a lifetime cut would you be wi...
by WanderingDoc
Tue Oct 09, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: Argument for taking social security before 70. Comments?
Replies: 134
Views: 10383

Re: Argument for taking social security before 70. Comments?

Money now is always better than money later. That's precisely why I am a huge proponent of real estate investing - income now and wealth later, as opposed to just wealth (much) later.

No brainier. I'd take them at age 40 if I could.
by WanderingDoc
Tue Oct 09, 2018 1:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 187
Views: 25452

Re: Vanguard - You'll need to sign up for security codes soon

Still same as before. No security codes needed.
by WanderingDoc
Mon Oct 08, 2018 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating properties in your Net Worth?
Replies: 10
Views: 1017

Re: Calculating properties in your Net Worth?

My portfolio contains rental properties, and when attempting to calculate net worth, I didn't know the best way to calculate its value. Though you can guestimate the current value based on comps, but then should I also subtract estimated realtor fees? I feel that calculating this portion of my port...
by WanderingDoc
Sat Oct 06, 2018 1:46 am
Forum: Investing - Help with Personal Investments
Topic: Timing the Market
Replies: 18
Views: 2338

Re: Timing the Market

"They say it is impossible to time the market." I don't see how anyone can say this with a straight face. Warren Buffet and Ray Dalio do. All the time. In fact, they are doing it now as we speak (by holding a tremendous amount of cash). They say it is impossible to time the market. I am very conserv...
by WanderingDoc
Sat Oct 06, 2018 1:43 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8550
Views: 1673126

Re: U.S. stocks in freefall

AlphaLess wrote:
Fri Oct 05, 2018 10:23 pm
Ah, how I would wish we get a nice 20%+ drop in the next 3-4 months.
We will. Rest assured. What is your plan when that happens?
by WanderingDoc
Fri Oct 05, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 13981

Re: Correlation between the FIRE movement and one of the greatest bull markets

On paper I think you are right, Watty. FIRE just seems counter-intuitive. Even with good insurance things can get very costly, and we can't insure against every negative in life. I'm in the camp of keep working, keep saving while you still can and while it is still reasonably expected of you by soc...
by WanderingDoc
Thu Oct 04, 2018 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to Invest 10 Million Portfolio at 40 without income
Replies: 56
Views: 8921

Re: Best way to Invest 10 Million Portfolio at 40 without income

I own quite a bit of real estate. Smart move. Can't say my risk adjusted returns have been any better with RE than with other asset classes. "Risk-adjusted" returns is an extremely nebulous term. One person's low risk-adjusted returns are another person's high risk-adjusted returns. It's subjective...
by WanderingDoc
Thu Oct 04, 2018 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to Invest 10 Million Portfolio at 40 without income
Replies: 56
Views: 8921

Re: Best way to Invest 10 Million Portfolio at 40 without income

With expenses that small relative to your portfolio it doesn't really matter what you invest in. Any reasonable asset allocation will be fine. As long as it's not real estate, then Kyle approves :wink: I own quite a bit of real estate. Smart move. Can't say my risk adjusted returns have been any be...
by WanderingDoc
Thu Oct 04, 2018 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to Invest 10 Million Portfolio at 40 without income
Replies: 56
Views: 8921

Re: Best way to Invest 10 Million Portfolio at 40 without income

KyleAAA wrote:
Thu Oct 04, 2018 2:03 pm
WanderingDoc wrote:
Thu Oct 04, 2018 12:04 am
KyleAAA wrote:
Wed Oct 03, 2018 11:05 pm
With expenses that small relative to your portfolio it doesn't really matter what you invest in. Any reasonable asset allocation will be fine.
As long as it's not real estate, then Kyle approves :wink:

I own quite a bit of real estate.
Smart move.
by WanderingDoc
Thu Oct 04, 2018 10:17 am
Forum: Investing - Theory, News & General
Topic: [WSJ] The ‘Dumb’ Money Is Bailing on U.S. Stocks. That’s Smart.
Replies: 52
Views: 6753

Re: [WSJ] The ‘Dumb’ Money Is Bailing on U.S. Stocks. That’s Smart.

I'm mostly out of US stocks (tilted heavily to international). I just can't bring myself to pay 33 times 10 year earnings for them, especially now with rising rates, when I can get foreign equities for about half of that. I don't think of that as market timing so much as just generally not wanting ...
by WanderingDoc
Thu Oct 04, 2018 12:15 am
Forum: Investing - Theory, News & General
Topic: [WSJ] The ‘Dumb’ Money Is Bailing on U.S. Stocks. That’s Smart.
Replies: 52
Views: 6753

Re: [WSJ] The ‘Dumb’ Money Is Bailing on U.S. Stocks. That’s Smart.

US companies have a lot of revenue form overseas. Apple, Amazon, Coke-Cola, MSFT, Google. I haven't seen their international competitors yet. You've certainly seen Apple's competitor, not only do they compete with Apple but ironically they also help Apple make their phones! And do a much better job...
by WanderingDoc
Thu Oct 04, 2018 12:11 am
Forum: Investing - Theory, News & General
Topic: [WSJ] The ‘Dumb’ Money Is Bailing on U.S. Stocks. That’s Smart.
Replies: 52
Views: 6753

Re: [WSJ] The ‘Dumb’ Money Is Bailing on U.S. Stocks. That’s Smart.

I'm mostly out of US stocks (tilted heavily to international). I just can't bring myself to pay 33 times 10 year earnings for them, especially now with rising rates, when I can get foreign equities for about half of that. I don't think of that as market timing so much as just generally not wanting ...
by WanderingDoc
Thu Oct 04, 2018 12:04 am
Forum: Investing - Help with Personal Investments
Topic: Best way to Invest 10 Million Portfolio at 40 without income
Replies: 56
Views: 8921

Re: Best way to Invest 10 Million Portfolio at 40 without income

KyleAAA wrote:
Wed Oct 03, 2018 11:05 pm
With expenses that small relative to your portfolio it doesn't really matter what you invest in. Any reasonable asset allocation will be fine.
As long as it's not real estate, then Kyle approves :wink:
by WanderingDoc
Wed Oct 03, 2018 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to Invest 10 Million Portfolio at 40 without income
Replies: 56
Views: 8921

Re: Best way to Invest 10 Million Portfolio at 40 without income

Thank you for your kindly response. The concern I have remaining in medicine going forward is malpractice liability. The NPV of my career would be significantly less than the assets on my example using a discount rate of 7% (particularly post tax considering high tax rates of higher incomes). Consi...
by WanderingDoc
Wed Oct 03, 2018 4:47 pm
Forum: Investing - Theory, News & General
Topic: Enjoying your money before retirement
Replies: 65
Views: 6409

Re: Enjoying your money before retirement

Rental real estate investing (active and passive) pays me today in tax free income which I use to enjoy life NOW, tomorrow, next week, and next year. Not some arbitrary hope in the future. Real estate investing. Hmmm. Sounds great, count me in! Oh, wait a minute, can you explain how you receive tax...
by WanderingDoc
Wed Oct 03, 2018 12:22 pm
Forum: Investing - Theory, News & General
Topic: Enjoying your money before retirement
Replies: 65
Views: 6409

Re: Enjoying your money before retirement

KlangFool stated that he is saving a year's worth of expenses every year. He is saving closer to 50% of his income. Actually, over the many replies, he has made it clear that he has used 1/3 savings : 1/3 taxes : 1/3 expenses from his gross income forever. So it means he saves at 100% of his expens...
by WanderingDoc
Wed Oct 03, 2018 10:33 am
Forum: Investing - Theory, News & General
Topic: Enjoying your money before retirement
Replies: 65
Views: 6409

Re: Enjoying your money before retirement

Always a bright idea to call everyone on the BH forums insane. Consider working on your reading comprehension. I wonder what your intent was with that post? :oops: It was just his way of reminding you that virtually everyone here utilizes tax-advantaged accounts. So referring to those that do so on...
by WanderingDoc
Tue Oct 02, 2018 5:04 pm
Forum: Investing - Theory, News & General
Topic: Enjoying your money before retirement
Replies: 65
Views: 6409

Re: Enjoying your money before retirement

Index fund/retirement investing is a life deferral plan in every sense of the definition. You take a percentage of your income that you earned now, put it in an account outside if your control, then hope you are alive or healthy enough to use it when you're 60 or 65. This is inane to me and makes l...
by WanderingDoc
Tue Oct 02, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: Enjoying your money before retirement
Replies: 65
Views: 6409

Re: Enjoying your money before retirement

Index fund/retirement investing is a life deferral plan in every sense of the definition. You take a percentage of your income that you earned now, put it in an account outside if your control, then hope you are alive or healthy enough to use it when you're 60 or 65. This is inane to me and makes l...
by WanderingDoc
Tue Oct 02, 2018 12:04 pm
Forum: Investing - Theory, News & General
Topic: Enjoying your money before retirement
Replies: 65
Views: 6409

Re: Enjoying your money before retirement

I contribute about 15% of my income into Retirement accounts. (Only Index funds!) We always hear about retirement accounts over and over. But I have been thinking; wouldn’t it be wise to contribute some small amount to a taxable account and invest in stocks there also? For example, let’s say 10% of...
by WanderingDoc
Tue Oct 02, 2018 1:10 am
Forum: Investing - Help with Personal Investments
Topic: New Dual Physican Couple
Replies: 39
Views: 3507

Re: New Dual Physican Couple

What I would do: Income: $650k Assume 1/3 lost to taxes: $215k Remaining: $435k Costs to live like a resident for another year: $50k Remaining: $385k 401k+backdoor Roth x 2: $18500 * x 2 + $5500 *2 = $48k Remaining: $337k Kill off every loan except the one eligible for forgiveness: $320k Leftover: ...
by WanderingDoc
Mon Oct 01, 2018 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: New Dual Physican Couple
Replies: 39
Views: 3507

Re: New Dual Physican Couple

Why is OP's occupation relevant? I've noticed that physicians on this website tend to state their profession. It's interesting to me. To explain why we're in our early 30s with massive debt and insignificant retirement savings? Your post is titled "New Dual Physician Couple," and it doesn't mention...
by WanderingDoc
Mon Oct 01, 2018 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: New Dual Physican Couple
Replies: 39
Views: 3507

Re: New Dual Physican Couple

Mine: 14393 5.46% 186364 6.51 (government loan, eligible for forgiveness in 4 more years) 12997 3.5% Hers: 25347 8.75% (The loan I want to take care of before the new year) 66434 6.55 (The loan after) 201418 6.5 (Technically eligible for forgiveness, but she didn't start the process in residency/fe...
by WanderingDoc
Sat Sep 22, 2018 1:52 pm
Forum: Investing - Theory, News & General
Topic: Allocating 1/3 of Investable Assets to Roth Accounts
Replies: 35
Views: 2148

Re: Allocating 1/3 of Investable Assets to Roth Accounts

I think investing in traditional accounts is akin to giving up on your dreams. I never understood the "I will be in a lower tax bracket in retirement". What!! You should want to be WEALTHIER the older you get, not poorer. You should strive to have more income with every passing year. For example, I...
by WanderingDoc
Sat Sep 22, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: Are unleveraged real estate returns more comparable to stock market returns or just a notch above inflation?
Replies: 70
Views: 4058

Re: Are unleveraged real estate returns more comparable to stock market returns or just a notch above inflation?

...None of what you listed sounds that appealing. No control. No cash flow. No inflation-hedging leverage. Takes too long to achieve FI with the 4% rule. Mediocre tax treatment. I don't want liquidity - too much liquidity and people start making stupid decisions (human emotion)... Different strokes...
by WanderingDoc
Sat Sep 22, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Getting Started with Rental Property Investments
Replies: 8
Views: 921

Re: Getting Started with Rental Property Investments

..... I’d also recommend against buying a condo for a rental as the HOA will kill any cash flow opportunity. .... My rental condo balance sheet and net monthly cash flow begs to differ. :D What is the monthly rental compared to the purchase cost? What % of property value is your property tax? I don...
by WanderingDoc
Sat Sep 22, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Getting Started with Rental Property Investments
Replies: 8
Views: 921

Re: Getting Started with Rental Property Investments

3504PIR wrote:
Sat Sep 22, 2018 1:44 am
..... I’d also recommend against buying a condo for a rental as the HOA will kill any cash flow opportunity.
....
My rental condo balance sheet and net monthly cash flow begs to differ. :D
by WanderingDoc
Sat Sep 22, 2018 7:47 am
Forum: Investing - Theory, News & General
Topic: Are unleveraged real estate returns more comparable to stock market returns or just a notch above inflation?
Replies: 70
Views: 4058

Re: Are unleveraged real estate returns more comparable to stock market returns or just a notch above inflation?

...The asset classes couldn't be any more different... Agreed. ...You can't do anything with stocks that you can do with real estate... Aw, c'mon. Statements that seem to assert that one investment or the other is simply "better" than the other aren't worth making or reading. But, rising to the bai...
by WanderingDoc
Sat Sep 22, 2018 4:07 am
Forum: Investing - Theory, News & General
Topic: Are unleveraged real estate returns more comparable to stock market returns or just a notch above inflation?
Replies: 70
Views: 4058

Re: Are unleveraged real estate returns more comparable to stock market returns or just a notch above inflation?

You can't do anything with stocks that you can do with real estate. A few examples: 1. I have several properties (that pay me every month) that I have $0 in. I refi'd out all of my initial down payment and them some about 1 year after purchase. 2. Financial freedom in a reasonable time (not 20-30 ye...
by WanderingDoc
Sat Sep 22, 2018 3:49 am
Forum: Investing - Theory, News & General
Topic: Are unleveraged real estate returns more comparable to stock market returns or just a notch above inflation?
Replies: 70
Views: 4058

Re: Are unleveraged real estate returns more comparable to stock market returns or just a notch above inflation?

I've read a lot of opinions on the forums claiming that unleveraged real estate returns are comparable to stock market returns and others claiming that unleveraged real estate returns are just barely a notch above inflation and that all of the stock-like return comes from the leverage. Obviously th...
by WanderingDoc
Sat Sep 22, 2018 3:41 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 106987

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Not that I would ever do it, but this seems like a good buying situation for commodities. Right, the last 10 years were constant buying opportunities as well. I remember a post several years ago were someone decided to buy more since it was a buying opportunity. Perhaps one day it will be true. I t...
by WanderingDoc
Fri Sep 21, 2018 5:00 pm
Forum: Investing - Theory, News & General
Topic: Allocating 1/3 of Investable Assets to Roth Accounts
Replies: 35
Views: 2148

Re: Allocating 1/3 of Investable Assets to Roth Accounts

can someone explain to me why this should be a goal, or if it is based of some previous research? they are advocating 1/2 allocation to Roth in employer plan accounts and Roth conversions during working years for high income professionals. and contributing more during down market years still doesnt...
by WanderingDoc
Wed Sep 19, 2018 11:07 am
Forum: Investing - Theory, News & General
Topic: Other investment opportunities besides the stock market
Replies: 25
Views: 2015

Re: Other investment opportunities besides the stock market

Some will say rental properties, but that’s - of course - running a business. Yes and no. I spend an average of 2.5 hours per MONTH on the entirety of my real estate portfolio. I spend a lot more time then that watching irrelevant and mediocre YouTube videos, per WEEK. To be fair, I spend roughly f...
by WanderingDoc
Wed Sep 19, 2018 11:00 am
Forum: Investing - Theory, News & General
Topic: TSP to Increase Stock Holdings in L Funds
Replies: 49
Views: 2848

Re: TSP to Increase Stock Holdings in L Funds

I wonder when the next change will be? Market timers should be so excited about this, that the TSP is always going to try to remain hip and viable to whatever's popular in a given year. To be fair, I I think the change to include developing markets in the I fund was a great and prudent idea, not ju...
by WanderingDoc
Wed Sep 19, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: TSP to Increase Stock Holdings in L Funds
Replies: 49
Views: 2848

Re: TSP to Increase Stock Holdings in L Funds

I thought some would like to know about this: https://www.govexec.com/pay-benefits/2018/09/tsp-increase-stock-holdings-across-lifecycle-funds/151368/?oref=river Under the new investment plan, known as a glide path, the next L Fund to open—L 2060—will begin with 99 percent of contributions invested ...
by WanderingDoc
Tue Sep 18, 2018 11:55 am
Forum: Investing - Theory, News & General
Topic: How can I buy ALIBABA and TENCENT stock?
Replies: 29
Views: 2672

Re: How can I buy ALIBABA and TENCENT stock?

How can I buy ALIBABA and TENCENT stock directly? I know for sure I'm not the only one interested in doing this. I want to DCA into these stocks over the next 5-10 years. Not going in whole hog with STAB vs. FANG? Sina (SINA) Tencent (TCEHY) Alibaba (BABA) Baidu (BIDU) I invest in VTSAX, but if you...
by WanderingDoc
Tue Sep 18, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: How can I buy ALIBABA and TENCENT stock?
Replies: 29
Views: 2672

Re: How can I buy ALIBABA and TENCENT stock?

How can I buy ALIBABA and TENCENT stock directly? I know for sure I'm not the only one interested in doing this. I want to DCA into these stocks over the next 5-10 years. Not going in whole hog with STAB vs. FANG? Sina (SINA) Tencent (TCEHY) Alibaba (BABA) Baidu (BIDU) I invest in VTSAX, but if you...
by WanderingDoc
Mon Sep 17, 2018 11:11 pm
Forum: Investing - Theory, News & General
Topic: How can I buy ALIBABA and TENCENT stock?
Replies: 29
Views: 2672

Re: How can I buy ALIBABA and TENCENT stock?

The easiest way is to buy the corresponding ADRs BABA and TCEHY. It is possible to trade on a foreign exchanges though, if that's what you are asking. Probably you need to look at buying H-shares (Hong Kong) due to Chinese capital flow and foreign investment restrictions. Yahoo became Altababa (NAS...
by WanderingDoc
Mon Sep 17, 2018 11:07 pm
Forum: Investing - Theory, News & General
Topic: How can I buy ALIBABA and TENCENT stock?
Replies: 29
Views: 2672

Re: How can I buy ALIBABA and TENCENT stock?

How can I buy ALIBABA and TENCENT stock directly? I know for sure I'm not the only one interested in doing this. I want to DCA into these stocks over the next 5-10 years. Most brokers offer deals to encourage foolhardy schemes like this, but it'd probably be easier to choose an index fund like iSha...
by WanderingDoc
Mon Sep 17, 2018 11:05 pm
Forum: Investing - Theory, News & General
Topic: How can I buy ALIBABA and TENCENT stock?
Replies: 29
Views: 2672

Re: How can I buy ALIBABA and TENCENT stock?

The easiest way is to buy the corresponding ADRs BABA and TCEHY. It is possible to trade on a foreign exchanges though, if that's what you are asking. Probably you need to look at buying H-shares (Hong Kong) due to Chinese capital flow and foreign investment restrictions. Do you have any resources ...
by WanderingDoc
Mon Sep 17, 2018 11:03 pm
Forum: Investing - Theory, News & General
Topic: How can I buy ALIBABA and TENCENT stock?
Replies: 29
Views: 2672

Re: How can I buy ALIBABA and TENCENT stock?

You’re probably better off sticking to real estate. I know I am. But I have some extra bucks that I don't mind spending. I'm about 85% in real estate, and 15% in equities. Companies with solid fundamentals with (IMO) good future prospects, could be had for a lower price. Seems like a no brainer. No...
by WanderingDoc
Mon Sep 17, 2018 10:00 pm
Forum: Investing - Theory, News & General
Topic: How can I buy ALIBABA and TENCENT stock?
Replies: 29
Views: 2672

How can I buy ALIBABA and TENCENT stock?

How can I buy ALIBABA and TENCENT stock directly? I know for sure I'm not the only one interested in doing this. I want to DCA into these stocks over the next 5-10 years.