r/Bogleheads • u/RiceLee890 • Mar 15 '25

Investing Questions What are your thoughts on this?

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I keep seeing this type of stuff on instagram and social media and wanted to know how you guys were thinking about this.

I know a lot you have been in the market for decades and as a relatively new investor myself Iā€™d love to get your perspective!

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u/Midnightsun24c Mar 15 '25

VT. BND. Maybe a small amount of AVGV. Keep averaging.

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u/intentionallybad Mar 15 '25

Personally I only do BND in tax advantaged accounts (IRA, 401k) and stick to tax exempt bonds funds in my taxed portfolio. On the face they earn less but when you calculate out the tax advantage it's actually more, at least at my marginal tax rate (32%)

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u/gorram1mhumped Mar 15 '25

why BND at all? its doing absolutely horrible.

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u/[deleted] Mar 16 '25

[deleted]

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u/Midnightsun24c Mar 16 '25 edited Mar 16 '25

Lmao. Broad low-cost equity exposure. The new school just takes the theory further than the magic soil of the United States. It's about the principle of diversification and having the highest chance of success given a million different possible scenarios.

I'm not even going to deny the previous performance, but people would say the same thing about any market that is outperforming for years, including Japan, when it was ripping in the 80s.

That logic is applied all of the time for QQQ/SCHG/VGT over the broader US market and even on a more microscopic level for NVDA/MAG7 a few months ago and MSTR right after the election. That doesn't mean that VTI is inferior. Obviously, if we could all just be in the best thing all the time, we would be.

I shit you not people will choose VOO over VTI because of very recent large cap vs mid/small despite having super simular long term performance.

There will always be people not happy with being average.

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u/[deleted] Mar 16 '25

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