@ServoWealth Eric Nelson, CFA

Eric Nelson, CFA posts on X about stocks, investment, $disvx, $dfsvx the most. They currently have [-----] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours.

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[--] Year [---------] +65%

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[--] Year [---] -53%

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Social Influence

Social category influence finance 60.8% stocks #5146 financial services #94 technology brands 1.6% nba 0.8% exchanges 0.8%

Social topic influence stocks #4199, investment #3179, $disvx 8.8%, $dfsvx 8.8%, $dflvx 8.8%, $dfivx 8.8%, inflation 7.2%, longterm 7.2%, vanguard #29, $dfgbx 4.8%

Top accounts mentioned or mentioned by @heikinash @trendingvalue @scottdcole @the_green_lark @markmap4 @cc_video_edit @stephguildnyc @laxdude27 @guytalksfinance @ikibalik @markets @marketwatch @jhantrell @itsjeremygrey @diyreturns @quantradamus @retaineradvisor @syouth1 @bootsiejones @emos2323

Top assets mentioned SPDR S&P [---] ETF Trust (SPY) Flipcoin (FLIPCOIN) sETH (SETH) Delusional Coin (DELULU) priceless (PRICELESS)

Top Social Posts

Top posts by engagements in the last [--] hours

"Im not sure which fact is more incredible: (1) an all-stock portfolio (Dimensional Core Plus 100/0 Allocation Index) tilted to small value and high profitability has doubled the Growth of $1 compared to the Global Market Index in the last [--] years (2) a 60/40 version of (1) has matched the all-stock Global Market Index with significantly less short-term declines The more you look the worse basic indexing becomes"
X Link 2026-02-13T15:51Z [----] followers, [----] engagements

"No first the fund you have has almost no tilts. Second as Ive cited frequently intl and EM premiums were far larger than US so even if there was no home bias (only 10%) results would have been the same Efforts to prop up basic indexing vs superior alternatives keep failing https://twitter.com/i/web/status/2022829223145025627 https://twitter.com/i/web/status/2022829223145025627"
X Link 2026-02-15T00:24Z [----] followers, [--] engagements

"Im not sure nows a good time to invest. What if we have a recession It will be ok"
X Link 2023-08-17T18:46Z [----] followers, [----] engagements

"The most shocking retirement investing stat youll ever read If you retired in [----] (similar stock valuations to today) with $1M needing $50k/yr plus inflation: [--]. If you put it in S&P [---] you RAN OUT OF $ in [----] [--]. If you put it into 60/40 S&P 500/Total Bond you are down to $199K (about to go broke) [--]. If you put it into an all-stock asset class portfolio diversified across U.S. & Intl large & small value you have over $2.9M left (tripled your wealth) If youre retiring on anything other than a diversified asset class portfolio youre taking a huge risk of running out of $"
X Link 2025-12-24T15:42Z [----] followers, 357K engagements

"Should you be concerned with index fund concentration Dimensional weighs in this week"
X Link 2026-01-30T02:33Z [----] followers, [----] engagements

"How many investors know that over a lifetime your choice of passive fund to implement your asset allocation can lead to 2x or 0.5x the amount of wealth Choose your funds wisely"
X Link 2026-02-01T18:02Z [----] followers, [----] engagements

"If small cap and value outperform youll be much better off and capture your fair share in a Total Market Index Fund. ummm Last [--] months US Small Value = 13.9% S&P [---] = 2.3% Total Market Index = 2.3%"
X Link 2026-02-03T23:01Z [----] followers, [----] engagements

"Heres something almost no investor or financial advisor knows: Despite a record run for US large growth stocks in the last decade resulting in the highest valuations on record. This century including boring/stodgy large and small US and international VALUE stocks with your S&P [---] (US large growth) allocation and consistently rebalancing has led to 40% more wealth than owning the S&P [---] by itself. And unlike the S&P [---] this diversified stock portfolio had NO decades of negative returns (S&P [---] was negative from 00-09). Balance is better https://twitter.com/i/web/status/2020180523109196176"
X Link 2026-02-07T16:59Z [----] followers, 31K engagements

"Last 12mo: U.S. large & small value both up +20% intl value +50% and intl small value +60% So I guess value and international are not dead after all nor are returns 100% attributable to passive flows into cap weighted indexes Narrative fallacies are dropping like flies lately. https://twitter.com/i/web/status/2021066955482902967 https://twitter.com/i/web/status/2021066955482902967"
X Link 2026-02-10T03:41Z [----] followers, [----] engagements

"I cant afford to lose $ in down markets No You cant afford to miss ANY of the gains during the much longer lasting ip markets"
X Link 2026-02-10T21:53Z [----] followers, [----] engagements

"I dont know what aggressive growth meansits a marketing label fund companies used to use in 90s before asset class & sector classifications replaced them. 100% equity is fine if youre a long-term investor. Some cash/short-term bond if youre spending to cover 6-28 month declines https://twitter.com/i/web/status/2021670215348834402 https://twitter.com/i/web/status/2021670215348834402"
X Link 2026-02-11T19:38Z [----] followers, [--] engagements

"This amount of outperformance over a quarter centuryincluding fees vs no-fee indexesduring a stretch of muted value premiums is extraordinary. If this doesnt convince you to stop obsessing over expense ratios and start analyzing fund structure & management I dont know what would"
X Link 2026-02-12T15:31Z [----] followers, [----] engagements

"Almost no one knows what the distribution of stock returns is over the long-term. But everyone should. Its [--] steps forward and [--] step back on average. Thats why you want to hold as much stock as you can stomach and stay invested. What about after a down year 75% of next 12-mo is positive just like all years. The odds always support staying the course https://twitter.com/i/web/status/2022019625190347081 https://twitter.com/i/web/status/2022019625190347081"
X Link 2026-02-12T18:47Z [----] followers, [----] engagements

"One of the biggest advantages of higher expected returns is often the most overlooked: It allows you to achieve your goals sooner than you otherwise would have. Here we see a small value and high profitability tilted stock portfolio grew from $1 to $12 a full FIVE YEARS quicker than the same $ invested in the Global Market Index. Of course if you were ok sticking it out another [--] years you had over $22 not just $12"
X Link 2026-02-13T15:55Z [----] followers, [----] engagements

"Fund structurehow well the portfolio is designed and managed to capture the asset class returnmatters far more than expenses. In this case Vanguard funds are a complete disappointment. How to measure the quality of fund structure Look at periods of time when the asset class is in favor or performing best. How well does it deliver the return compared to other options Lets look at last 3months; a roaring small value premium. How much of it did Vanguard capture A pitifully small amount barely 1/2. Last 3mo S&P [---] = +1.8% Vanguard US Small Value = +12.8% DFA US Small Value = +18.0% Dont sweat"
X Link 2026-02-15T21:01Z [----] followers, [--] engagements

"The investing story has completely flipped in just [--] months from why hold anything but the S&P [---] to why even bother with the S&P [---] when every other asset class/factor globally has done so much better (last 12mo S&P [---] = +13.2%)"
X Link 2026-02-14T15:11Z [----] followers, [----] engagements

"How are investors in basic indexing funds like ACWI able to stay the course when theyve underperformed a small value/high profitability tilted stock portfolio in every 15-yr period for a third of a century @ServoWealth Most retail investors cant hold through 10-15 years of watching their better strategy lose to the market. They bail. Then they lose. I choose what people will actually stick with. Usually thats simple indexing. @ServoWealth Most retail investors cant hold through 10-15 years of watching their better strategy lose to the market. They bail. Then they lose. I choose what people"
X Link 2026-02-14T15:23Z [----] followers, [----] engagements

"Heres the truth no one will explain to you: Using traditional index funds for your asset allocation could be costing you SEVERAL PERCENT a year Its true. Lets look at international stock returns this decade (2020 through 2/13/2026) as theyve returned to respectability. The international EAFE market index is up 10% per year as we expect from stocks. Value has done better also as expected. The EAFE Value Index has returned 12%/yr. But a pure value stock asset class fund did over 2% per year better than the value index and over 4% better than the market+14.1% per year. What about small cap and"
X Link 2026-02-15T19:00Z [----] followers, [----] engagements

"The dirty little secret of investing: Vanguard has the lowest expenses but theyre funds dont deliver the full asset class return. This is abundantly clear during periods where a particular asset class does well and you see Vanguard has barely achieved half of the potential return. Last 3mo S&P [---] = +1.8% Vanguard US Small Value = +12.8% DFA US Small Value = +18.0% https://twitter.com/i/web/status/2023149438286311684 https://twitter.com/i/web/status/2023149438286311684"
X Link 2026-02-15T21:36Z [----] followers, [----] engagements

"Visvx goes back to [----]. And the point of the post is to say that while you should consider the long run returns you also want to look at short-term returns when the asset class is in favor/doing well. This will tell you how well a fund captures desired returns If in the long run (or last 10/20 years) small value has underperformed large cap then you expect the better fund to do worse You have to understand the environment and what youre expecting from your fund (pure/consistent asset class exposure) Does a 60/40 stock & bond do a better job of capturing the equity premium than an all-stock"
X Link 2026-02-16T15:49Z [----] followers, [--] engagements

"Again you dont know what youre talking about. If you compare a watered down SV fund (Vanguard) to a pure/deep value SV fund DURING A PERIOD where large growth beat small value the watered down fundwith more growth and mid cap exposure will obviously look better. Either you understand this or you dont/ But theres no need to start in [----] the Vanguard SV fund inception is [----] and its badly trailed the better designed fund. This period shows how truly bad the Vanguard fund is. Small Value beat the S&P [---] by 1.3% per year over this period the Vanguard SV fund only captured 0.4% of the"
X Link 2026-02-16T17:15Z [----] followers, [--] engagements

"How many ppl know what happened during 2000-2009 lost decade S&P [---] = -1.0% US large value = 4.4% US microcap = 6.3% Intl value = 6.7% Intl small cap = 8.7% US small value = 9.1% EM large = 9.5% US REITs = 10.5% Intl small value = 11.3% EM small cap = 12.3% EM value = 13.9%"
X Link 2023-04-17T22:20Z [----] followers, 147.8K engagements

"Reminder: The small value premium can come out of nowhere and be multiples of prior period underperformance. Last [--] months: S&P [---] = 1.8% US small value = +18%"
X Link 2026-02-14T14:39Z [----] followers, [----] engagements

"Youre probably forgetting the most important part of investing. What is it Lets take a diversified stock portfolioS&P [---] along with US large and small value stocks and 30% in international large/small value stocks. A balanced asset class portfolio. Its return since [----] +10.5% per year. No big deal. We take 10% for granted. Heres what youre forgetting: Compound interest. How much do you think 10%-ish grows to over [--] years What happens to $1 Try to guess then look at the chart below for the answer. $22. Thats a 22-fold increase. Sure 11% or 12% would be better. But getting 10%which has been"
X Link 2026-02-01T16:07Z [----] followers, [----] engagements

"How bad is Vanguarddespite their low expensesat capturing asset class returns Youre not gonna believe just how bad. Since [----] $10k in the S&P [---] grew to $100k. But in small value $140k40% more. How much of the small value premium did Vanguard SV fund capture 110% 90% 85% Lol not even close. 25%. Thats it. $110k. What good are low expenses if net of fee returns are much lower than whats possible Theres a lot more to investing than low expenses. https://twitter.com/i/web/status/2023447335234142556 https://twitter.com/i/web/status/2023447335234142556"
X Link 2026-02-16T17:20Z [----] followers, 34.6K engagements

"This is the prevailing view (still) on fixed income and I couldn't disagree more. Bonds do provide diversification to an equity portfolio in that they're "different" from equities. But with that difference comes a pronounced (and possibly fatal) lowering of expected returns--net of taxes & inflation bonds have earned 3x less in returns vs stocks. Stock/bond diversification differs from equity diversification (large small/growth/value US & foreign) where you own different companies and get same/higher expected returns (equity asset classes don't move in lockstep) with lowering of volatility"
X Link 2025-01-04T19:25Z [----] followers, [----] engagements

"Yes but the vast majority of the time bonds hurt and theyre fatal (negative real returns since [----] or from 1941-1980) for longer stretches than they help. Youre missing the flip side of the coin All allocations fail some of the time nothing is 100%. But balanced (stock & bondesp bond-heavy) portfolios fail more often and by more than equity portfolios"
X Link 2025-01-04T20:05Z [----] followers, [--] engagements

"@heikinash Whats more youve ignored equity diversification including SV stocks for example further invalidates your stats. SV has outperformed the S&P [---] Index by 3-4% per year for a century"
X Link 2025-01-04T20:14Z [----] followers, [--] engagements

"OK lets unpack this because if youre going to invest right you need to know why these points arent valid. Claims/Responses: Yes the diversification comes with the caveat of lower returns and yes that can cost investors a ton over the 'long term' (that's why I said 'long term' was the keyword). So far so good. Lets just add stock/bond diversification costs you far more and for longer than the disappointments that come from equity allocations. Nothing works 100% of the time; diversified equity portfolios are the best imperfect option. but if you were about to retire in the GFC and had all your"
X Link 2025-01-04T21:00Z [----] followers, [----] engagements

"@laxdude27 Youre forgetting about equity diversification and probably just thinking abt the S&P [---] right"
X Link 2025-01-05T01:37Z [----] followers, [--] engagements

"No I dont. I understand investors (and many advisors) dont typically understand the range of expected short-term stock returns how long it takes to recover from declines or the long-term difference between stock & bond returns or how much better equities are at outpacing inflation by a meaningful amount over time. This leads to excessive risk aversion. But the good news is risk aversion can often be cured with up front and ongoing education and a goals-based plan"
X Link 2025-01-05T07:46Z [----] followers, [--] engagements

"I find based on 99yrs of data that most of the (already paltry) returns from bonds come during months when equities are already up. During down months bonds are barely positive (yes sometimes theyve been way up other times way down). Bills actually tend to do better and are more consistently positive but their long-term returns are even worse than bondsonly matching inflation. Practical lesson: only own enough in short-term bonds/cash to cover a few years of future spending (and if youre not spending bonds/cash are unnecessary) The only bonds that I own are US treasury bonds. If you want"
X Link 2025-01-05T17:42Z [----] followers, [----] engagements

"The CFA doesnt teach you what to think. It teaches you how to think. Thats why its held by active managers asset allocators researchers index fund managers CIOs and a variety of other financial-related fields. Critical thinking in finance is essential. @ServoWealth So why do you maintain your Charter Appears you dont believe any of what we learned. @ServoWealth So why do you maintain your Charter Appears you dont believe any of what we learned"
X Link 2025-01-05T19:37Z [----] followers, [----] engagements

"Heard it. So let's get specific: Please explain how all of this shows us that the LG asset class will continue to experience +70% decade over decade P/E expansion indefinitely to fuel continued above-trend returns and at the same how SV asset class will see -25% P/E contraction indefinitely"
X Link 2025-01-06T19:16Z [----] followers, [--] engagements

"international diversification works when you need it most US stocks have been on a great run. Owning them only because of that is a form of market timing. When US stock returns are less than 4% international stocks have outperformed 100% of the time https://t.co/8H3McfO8uE US stocks have been on a great run. Owning them only because of that is a form of market timing. When US stock returns are less than 4% international stocks have outperformed 100% of the time https://t.co/8H3McfO8uE"
X Link 2025-01-06T19:26Z [----] followers, [---] engagements

"Nothing ever really changes in investing The new era doctrinethat good stocks (or blue chips) were sound investments regardless of how high the price paid for themwas at bottom only a means of rationalizing under the title of investment the well-nigh universal capitulation to the gambling fever. Ben Graham"
X Link 2025-01-06T21:03Z [----] followers, [---] engagements

"Why hold international stocks if they've done so bad recently especially compared to above-average US returns For diversification when the US doesn't do so well. Over all 10-yr periods since [----] the S&P [---] has had an annualized return of 4% or less about 10% of the time averaging +0.6% per year. The MSCI World ex-US Index beat the S&P [---] in EVERY ONE of these 10-yr periods averaging +3.8% per year Now that's not great but there's been a way to do better. While Int'l Growth stocks over these periods have only averaged +1.9%/yr Int'l Value stocks averaged +9.4% and Int'l Small Cap stocks"
X Link 2025-01-07T21:14Z [----] followers, [----] engagements

"Not that they asked me but my best income idea for [----] is to sell stock fund shares until the pt theyre down -25% or more then I might redeem bond fund shares instead for a little while. Simple retirement investing works best. Forget the buckets annuities liability matching or reaching for yield that the retirement researchers all fawn over. Needless complexity"
X Link 2025-01-07T23:09Z [----] followers, [---] engagements

"Theres a hidden tax cost of index ETFsnon-qualified distributions. For example the dividends for the various Vanguard Small Value ETFs are only about 70% qualified the other 30% are non-qualified so taxed as ordinary income. Dimensional US small value fund/ETF 100% qualified (and also no cap-gain distributions). Make sure youre not just looking at capital gain distributions but also the relative tax efficiency of dividends"
X Link 2025-01-09T19:08Z [----] followers, [----] engagements

"Vanguard All-World ex-US small cap index fund qualified dividend rate only 48%. Dimensional World ex-US Targeted Value fund 100%"
X Link 2025-01-09T19:14Z [----] followers, [---] engagements

"I'm worried about sky high equity valuations. Not all stock asset classes (ie small value/int'l) have high valuations They haven't done as well in the last decade. That's why they don't have high valuations. I don't want to own dogs. OK then stick with just stuff with high valuations. But I'm worried about sky high valuations"
X Link 2025-01-10T17:44Z [----] followers, [----] engagements

"The January edition of Smarter Investing looks back at [----] how to frame returns setting long-term investment expectations why asset class returns were so skewed revisiting international investing and [----] expectations. Check it out https://www.servowealth.com/blog/reviewing-2024-can-good-be-good-enough https://www.servowealth.com/blog/reviewing-2024-can-good-be-good-enough https://www.servowealth.com/blog/reviewing-2024-can-good-be-good-enough https://www.servowealth.com/blog/reviewing-2024-can-good-be-good-enough"
X Link 2025-01-12T16:45Z [----] followers, [---] engagements

"This is complete nonsensical babble masquerading as smart investing. Translation: Bonds are starting to look attractive No. Bonds are bondsthey return less than stocks in return for lower volatility. Sometimes they yield less other times more. You get what you get. This despite mindless forecast thats either gonna be completely wrong or is already baked into prices and shouldnt affect decision making. Hasnt loaded up on bonds yet aka tactical investing which doesnt work and is generally a really stupid idea"
X Link 2025-01-12T17:06Z [----] followers, [--] engagements

"@GuyTalksFinance And EVERYTHING else did better. The mirror image of last 11yrs"
X Link 2025-01-13T00:22Z [----] followers, [----] engagements

"Is a cap-weighted index fund safer than a market-wide index tilted to smaller cheaper and more profitable companies Not historically"
X Link 2025-01-14T23:13Z [----] followers, [---] engagements

"@iki_balik All the DFA core equity funds or World Equity. The Core Allocation Index is a combo of the indexes similar to: US Core [--] US Core [--] Intl Core [--] EM Core [--] (and Global REIT)"
X Link 2025-01-14T23:47Z [----] followers, [--] engagements

"Imagine being so scared of investing you think taking a measly 4-5% per yer plus inflation from a balanced stock/bond portfolio is too risky Its a layup on a five-foot hoop"
X Link 2025-01-16T17:06Z [----] followers, [---] engagements

"@heikinash I fail to see why any investor would choose an index fund The data certainly doesnt support it"
X Link 2025-01-16T23:57Z [----] followers, [--] engagements

"There's a Grand Canyon of difference between the returns than a manager delivers and the results that investors actually earn. Buy high and sell low is a pandemic in the investing world. Clients of Seth Klarmans Baupost Group pulled roughly $7 billion from the hedge fund in the past three years losing patience with the famed value investor after a decade of lackluster returns via @markets https://www.bloomberg.com/news/articles/2025-01-22/baupost-clients-pulled-7-billion-since-2021-after-poor-returnsutm_source=website&utm_medium=share&utm_campaign=twitter"
X Link 2025-01-22T17:22Z [----] followers, [---] engagements

"I remember when certain advisors were touting the benefits of their fixed income trading desks and their ability to buy high-yield CDs for clients vs. just buying a simple institutional-grade short-term bond fund. Is this still a thing Hopefully not because it was just another nonsensical/unnecessary move creating complexity with no value (and don't get me started on the number of these advisors who's "long-term investing" clients were much 50% in fixed income because of their irrational fear of short-term volatility) This is the No. [--] CD for January [----] via @MarketWatch"
X Link 2025-01-22T19:19Z [----] followers, [---] engagements

"I prefer to hold a more focused asset class portfolio: High Profitability for LG/large market Large Value for value exposure Small Value for small cap exposure Internationally I dont see a reason for profitability or EM; I just use intl large value and small value For bonds a global bond fund (also developed markets only) with a variable maturity (max 5yrs) approach and high credit quality is sufficient Ive explained this approach to hundreds of investors (clients and prospects) and it has very practical appeal (and very high/more than sufficient expected returns) If you want a market-wide"
X Link 2025-01-29T15:34Z [----] followers, [----] engagements

"@JHantrell @itsjeremygrey I started thinking abt it in [----] after reading this: Made the change broadly in [----] after I wrote this article 👇 http://www.efficientfrontier.com/ef/0adhoc/bric.htm http://www.efficientfrontier.com/ef/0adhoc/bric.htm"
X Link 2025-01-30T12:30Z [----] followers, [--] engagements

"Have you seen the MEGA trend that is sweeping the stock market Is your portfolio positioned to capture it We've heard acronyms like MAGA MAHA or the Mag-7 countless times over the last few years. Everything seems to have a label these days. Why not the latest investing trend MEGA stands for Make Europe Great Again and that's exactly what's been going on in the international developed segment of the stock market recently where European stocks reside. Using DFA funds as asset class proxies what do we see for YTD returns through 3/06 US asset classes are mostly down the DFA US Large Company (S&P"
X Link 2025-03-07T18:56Z [----] followers, [----] engagements

"I used to be an index fund advisor and investor. I gave indexes a lot of chances. But after three strikes theyre out. The first ah-ha moment of my career came when I learned that trying to time markets and pick outperforming mutual funds was a waste of timethe vast majority underperform their index benchmarks. I left the full commission broker world and joined Schwab in the early 2000s because it allowed me to tell people to stop playing the active game and buy Total Market Indexes or the S&P [---] instead. But soon after having stumbled upon William Bernsteins The Intelligent Asset Allocator I"
X Link 2025-03-10T15:50Z [----] followers, [----] engagements

"Index fund investors can be hypocritical and its costing them a tidy sum. There are benefits to owning traditional market-cap weighted index funds: low costs broad diversification and tax efficiency. Most of all markets and therefore index funds have had good returns over time +10% a year for stocks (S&P 500) and +5% for bonds (Five-Year Treasury Notes) which while lower than stocks has come with less short-term variability. Owning an index fund is likely to be better than a portfolio of actively-managed funds. Assuming similar investment profiles wed expect an index portfolio to beat an"
X Link 2025-03-29T22:11Z [----] followers, [----] engagements

"Were used to thinking about investing like March Madness where theres winners and losers. But thats a mistake. Whether youre filling out a bracket or cheering on your Alma Mater chances are the NCAA basketball tournament will end up disappointing you. Your team will eventually lose and for that to happen somebody else will have to win. Its a negative-sum game. A few win most lose. Thats why sports is best viewed as entertainment not something where we should focus on the outcome. It probably wont go your way in the end so try to enjoy the ride. Unfortunately we often think of investing"
X Link 2025-04-02T16:31Z [----] followers, [---] engagements

"Everyone thinks theyd be better off if they could just get a higher investment return. I think this is short sighted. Im not opposed to trying to get the best investment return you can. For example Im not a pure index fund investor nor do I advise clients to invest this way. I think you can do better not just by holding more stocks than bonds but also by emphasizing different stock asset classessmall cap and value for example. But one thing Ive learned in my career is that high returns only get you so far. Theyre not a panecea. I think what matters as much or more than investment return is"
X Link 2025-04-16T13:54Z [----] followers, [----] engagements

"Picking stocks and not diversifying Paying too much in fees Getting in and out at the wrong time Theres one investing mistake that trumps all of these. What if I told you that [--] years ago two hypothetical investors had $1M and at the end of [----] one was $7.8M wealthier than the other That if they had been retired wanting to spend $40000 per year increased annually by inflation the first investor would have passed on over $5M more to beneficiaries net of withdrawals than the second You might assume that the first investor had made a shrewd investing decision or had gotten extremely lucky."
X Link 2025-05-12T16:11Z [----] followers, [---] engagements

"One of the most important concepts in investing is lost on most people. But it's the bedrock of financial planning and proper investment decision making. What is it The difference between safety and stability. A good way to think about investing is that you can have one of two things. ✔ Door #1: Long-term "safety" a portfolio that is likely to increase faster than the rate of inflation & your financial goals. ✔ Door #2: Principal stability. You can keep your portfolio balance from moving around too much so that you have about as much $ in the future as you have today. Behind Door #1 is a"
X Link 2025-05-13T20:44Z [----] followers, [---] engagements

"I think everyone needs and should have a financial advisor. Let me explain. It may seem like its easier than ever to manage your own money. Theres more information on how to do it and access to better investments than ever before. Some people or maybe most people should manage their own money today right Save the advisor fee I disagree. We are all saving and investing to achieve long-term goals: retirement ongoing income and an inheritance for beneficiaries. But without a plan you are less likely to achieve your goals. As Yogi Berra said if you dont know where youre going you probably wont"
X Link 2025-05-14T15:16Z [----] followers, [---] engagements

"2025: Another example that simple public equity diversification is not only not dead its all you need. S&P [---] +1% International small value +20%"
X Link 2025-05-19T23:43Z [----] followers, [----] engagements

"Soapbox Saturday Financial advisors tell clients not to panic in bad times. Ride it out. Volatility is temporary. Why doesnt this advice work better The big news this week in politics and literature is the drop of Original Sin the Jake Tapper expose on President Bidens cognitive decline during his presidency. Its chock full of quotes from Democrat allies and campaign staffers who were stuck in a quandary: they were TELLING the public through [----] and even [----] that Biden was fine still well equipped to run for and win a presidency. But what they saw in Bidens word and ACTIONS behind the"
X Link 2025-05-24T16:03Z [----] followers, [---] engagements

"Did a 60/40 allocation help you avoid sequence of returns risk during the worst time to retire in the last [--] years The 1960s & 70s were brutal. We had stock market declines in [----] [----] 1973-1974 (-50%) and [----] and inflation of 7%/yr through [----]. To make matters worse both the S&P [---] & bonds had negative real returns. Talk about a miserable situation. So what happened if you retired in [----] w/$1M needing $40k/yr adjusted for inflation First realize that you needed over $190K in year [--] just to buy what cost $40K in year one. Never forget the devasting effects of compounding inflation on"
X Link 2025-05-27T18:13Z [----] followers, [---] engagements

"Financial advisers have lost the art of this simple but important service that more than pays for their fee. Whats it Investment management & counseling. A few yrs into my career as a financial advisor I was lost and on my way out. I had tried multiple approaches to active managementstock picking past performance the 5-star manager etc.; nothing seemed to work. Fortunately I came across a copy of William Bernsteins The Intelligent Asset Allocator which introduced me to an entirely different way to invest. First the evolution away from active investing towards indexing then the"
X Link 2025-05-31T14:18Z [----] followers, [----] engagements

"If youre saving for retirement theres an investing strategy everyone tells you is good enough that I think is a big mistake. Theres a vocal cabal of industry participants: the DIY-centric financial media (i.e. Morningstar) mutual fund companies (especially Vanguard) and hourly-fee advisors (who provide one-time plans) who absolutely love Target Date Funds. Simply pick your retirement date and your associated fund will auto-rebalance towards an increasingly bond-centric portfolio as you age. No fuss. No advisor needed. What could be better than that Target Date Funds arent just being used by"
X Link 2025-06-01T18:19Z [----] followers, [---] engagements

"The most important role of a financial adviser has nothing to do with financial planning or even investment management. Yet no one admits it. You might assume Michael McCowin is a good investor. McCowin now [--] is the former chief investment officer of the Wisconsin pension board. Youve gotta know more than a little about investing to become a state pension fund CIO. Standard deviation asset pricing correlation coefficients; I bet McCowin can define and calculate these esoteric metrics in his sleep. McCowin however is an investing train wreck. And I am not the least bit surprised. After 25"
X Link 2025-06-02T18:51Z [----] followers, [---] engagements

"The entire term premium for extending bond maturities beyond [--] years has disappeared. Another example of the recency bias everyone suffered from piling into long bonds in the 2010s"
X Link 2025-06-10T14:13Z [----] followers, [----] engagements

"Return on a globally diversified small/value/high prof stock portfolio Last 40yrs (index): +11.5% Last [--] months (live funds): +11.9% Maybe there is some information however noisy in long-term historical returns"
X Link 2025-06-12T13:53Z [----] followers, [--] engagements

"How much is $67M in [----] worth today invested in: LA Lakers: $10B S&P [---] Index: $13B Balanced US Stock Index*: $25B U.S. Small Cap Value Index: $40B *30% S&P [---] 30% Dimensional US Large Value Index 40% US Small Value Index RISKS Investments involve risks. The investment return and principal value of an investment may fluctuate so that an investors shares when redeemed may be worth more or less than their original value. Past performance is not a guarantee of future results. There is no guarantee strategies will be successful"
X Link 2025-06-19T13:54Z [----] followers, [----] engagements

"@diyreturns Agree but you also coulda skimmed off 2% a year from the stock portfolio and still been ahead"
X Link 2025-06-19T15:41Z [----] followers, [--] engagements

"The last thing A young investor with little to know interest in investing needs is a product recommendation. They need an advisor who will help educate them on foundational/core investing principles and be there to reaffirm them when the risk of going off the tracks surfaces And thats not just what beginning investors need. Id say everyone does. Including the sophisticated investors who have lost sight of core principles and have over engineered complex portfolios larded with active management and superfluous alternatives"
X Link 2025-07-23T23:01Z [----] followers, [---] engagements

"The small value premium in international markets has been 2x as high as the U.S. premium more than making up for the relative underperformance of international stocks. Also its hard to look at this data and not conclude the long-term expected return (even today) on small value stocks is around 13%/yr (vs around 10% for large growth)"
X Link 2025-07-23T23:55Z [----] followers, [----] engagements

"@TrendingValue I agree I intended to shift the goalpost because I think product choice without a firm foundation is like an airplane without an engine"
X Link 2025-07-24T02:39Z [----] followers, [--] engagements

"@TrendingValue No interest in investing rarely ends well"
X Link 2025-07-24T02:44Z [----] followers, [--] engagements

"Investors routinely say they want to wait for the dust to settle before investing or investing more. They dont realize the financial media as an industry exists for one reason: To ensure you can always find something to worry about. If it bleeds it leads & if its scary it sells subscriptions"
X Link 2025-08-17T15:22Z [----] followers, [---] engagements

"Here is a perfect illustration of why a large bond allocation in retirement doesnt make sense even if it stabilizes your short-term returns. If you retired in [----] needing $50k/yr in income plus inflation the amount you need in [----] is over 50% higher$76k+ Yet the yield to maturity on the U.S. bond index in [----] was 4.7% dropped as low as 1.9% in [----] and is only 4.3% today. When you try to meet the need for a growing retirement income stream with a fixed income sooner or later youll spend all your principal to make up the difference"
X Link 2025-08-27T19:27Z [----] followers, [---] engagements

"The obsession with lowest expense ratio can cost investors several %/yr in missed out on returns. The solution Dont just look for lowest fees; look for low-ish fees that also have the best system/process to capture the asset class. Case in pointsmall cap value stocks over the last 5yrs RISKS Investments involve risks. The investment return and principal value of an investment may fluctuate so that an investors shares when redeemed may be worth more or less than their original value. Past performance is not a guarantee of future results. There is no guarantee strategies will be successful"
X Link 2025-08-30T19:32Z [----] followers, [---] engagements

"Investors looking to Nasdaq and emerging growth-like funds to produce market-beating returns in the long run are likely to be disappointed. Thats only found in the smaller cheaper segment of the market"
X Link 2025-08-31T14:18Z [----] followers, [----] engagements

"This single chart obliterates any case you have for not investing when you have the $ to do it. Markets have been down Good time to invest. Markets are at all-time highs Good time to invest"
X Link 2025-09-04T20:24Z [----] followers, [---] engagements

"I guess private equity stoped buying all the good small value stocks a few years ago 🤔 (Just in time for PE to show up in 401ks) Hello small value my old friend 5yrs annualized: US Total Market = +14.7% US Small Value = +18.7% Total Intl Stock Market = +9.5% Intl Small Value = +16.7% Hello small value my old friend 5yrs annualized: US Total Market = +14.7% US Small Value = +18.7% Total Intl Stock Market = +9.5% Intl Small Value = +16.7%"
X Link 2025-09-06T20:13Z [----] followers, [----] engagements

"I thought an inverted yield curve was a sure bet to predict a recession & bear market if you believe any of these naive market timing indicators youre a fool"
X Link 2025-09-29T15:24Z [----] followers, [---] engagements

"@quantradamus We were almost [--] decades into modern portfolio theory knew the long-term return on stocks and bonds since [----] Vanguard S&P [---] fund was available and that gold had just experienced an anomalous 2-yr stretch that was bound to unwind. Easy"
X Link 2025-10-08T19:23Z [----] followers, [--] engagements

"@RetainerAdvisor Gold was illegal to own before [----]. Years prior to [----] are bogus"
X Link 2025-10-10T01:42Z [----] followers, [--] engagements

"The idea that you need to invest in commodities digital currencies private or alternative assets is absurd. This formulaeven an imperfect version of itis all you have and will need. Financial marketers & advisors selling complexity will disagree but consider the source/motivation. The best portfolio asset allocation isno surprisea Goldilocks-type mix: not too many holdings/too much complexity but also not just a cap-weighted stock/bond mix. Here it is in six simple steps: Step 1: cash for short-term needs stocks & bonds for long-term saving and The best portfolio asset allocation isno"
X Link 2025-10-12T15:50Z [----] followers, [----] engagements

"I dont view 40% small cap (60% large cap) as a big bet so much as a way to hold a more balanced stock portfolio (not dominated by big high-priced stocks) and increase your expected returns in a meaningful way. In an era where everyones worried about high prices on US growth stocks this might be the best investment decision you can make (dont forget intl developed value/small value either) @ServoWealth 60/40 large to small is a huge small cap tilt/bet @ServoWealth 60/40 large to small is a huge small cap tilt/bet"
X Link 2025-10-15T16:49Z [----] followers, [----] engagements

"Rocky start for stocks--Faber's capitalizing on this right Wrong. His ETF is still in the red. This guy's got a knack for negative returns"
X Link 2014-02-06T14:20Z [----] followers, [--] engagements

"Bonds (DFAPX) are up almost 5% YTD. If you still think you can forecast short-term market moves you are completely delusional at this point"
X Link 2014-05-30T14:55Z [----] followers, [--] engagements

"4 Reasons Not To Shift To Bonds From Stocks In A Volatile Market Stock News & Stock Market Analysis - IBD http://www.investors.com/etfs-and-funds/retirement/4-reasons-not-to-shift-to-bonds-from-stocks-in-a-volatile-market/ http://www.investors.com/etfs-and-funds/retirement/4-reasons-not-to-shift-to-bonds-from-stocks-in-a-volatile-market/"
X Link 2016-02-04T14:48Z [----] followers, [--] engagements

"The comments are priceless. $VFINX $DFGBX $DFIVX $DFLVX $DFSTX $DFSVX $DISVX $DUSQX $VISVX $VIVAX http://seekingalpha.com/article/3943636-looking-value-vanguardsource=tweet http://seekingalpha.com/article/3943636-looking-value-vanguardsource=tweet"
X Link 2016-03-01T16:52Z [----] followers, [--] engagements

"Does International Investing Work $VFINX $DFIVX $DFLVX $DFSVX $DISVX http://seekingalpha.com/article/3948586-international-investing-worksource=tweet http://seekingalpha.com/article/3948586-international-investing-worksource=tweet"
X Link 2016-03-02T19:43Z [----] followers, [--] engagements

"Trying to get to a cool million bucks from nutin Start here: $DUSQX $DFLVX $DFSVX $DFIVX $DISVX $VFINX http://seekingalpha.com/article/3959206-want-become-millionairesource=tweet http://seekingalpha.com/article/3959206-want-become-millionairesource=tweet"
X Link 2016-04-07T17:48Z [----] followers, [--] engagements

"@ScottDCole FYI muted premiums globally US value one of worst ever yet Core-based allocation still beat indexing:"
X Link 2016-04-23T16:32Z [----] followers, [--] engagements

"@ScottDCole here's a 5-year period where size/value mostly was positive globally (09-13) - Core wins by 180bps:"
X Link 2016-04-23T16:35Z [----] followers, [--] engagements

"Who's better when it comes to "total market" portfolios DFA or Vanguard The results may surprise you:"
X Link 2016-04-24T16:00Z [----] followers, [--] engagements

"The showdown between old-school value (Dodge & Cox) and modern value (DFA) isn't much of a contest:"
X Link 2016-04-30T15:23Z [----] followers, [--] engagements

"Looking For Value From Vanguard $VFINX $DFGBX $DFIVX $DFLVX $DFSTX $DFSVX $DISVX $DUSQX $VISVX $VIVAX http://seekingalpha.com/article/3943636-looking-value-vanguardsource=tweet http://seekingalpha.com/article/3943636-looking-value-vanguardsource=tweet"
X Link 2016-05-22T13:53Z [----] followers, [--] engagements

"Want To Become A Millionaire Here's How $DUSQX $DFLVX $DFSVX $DFIVX $DISVX $VFINX http://seekingalpha.com/article/3959206-want-become-millionairesource=tweet http://seekingalpha.com/article/3959206-want-become-millionairesource=tweet"
X Link 2016-05-26T16:43Z [----] followers, [--] engagements

"The Smart Way To Spend Your Portfolio $DFGBX $DFIVX $DFLVX $DFUSX $DISVX $DFSVX http://seekingalpha.com/article/3980687-smart-way-spend-portfoliosource=tweet http://seekingalpha.com/article/3980687-smart-way-spend-portfoliosource=tweet"
X Link 2016-06-08T13:39Z [----] followers, [--] engagements

"Commented on The Smart Way To Spend Your Portfolio $DFGBX $DFIVX $DFLVX $DFUSX $DISVX $DFSVX http://seekingalpha.com/article/3980687-smart-way-spend-portfoliosource=tweet http://seekingalpha.com/article/3980687-smart-way-spend-portfoliosource=tweet"
X Link 2016-06-08T18:41Z [----] followers, [--] engagements

"Commented on [--] Questions To Ask Before You Sell Your Stocks $DFIVX $DFLVX $DFUSX $DISVX $DFSVX http://seekingalpha.com/article/3985311-4-questions-ask-sell-stockssource=tweet http://seekingalpha.com/article/3985311-4-questions-ask-sell-stockssource=tweet"
X Link 2016-06-30T15:00Z [----] followers, [--] engagements

"Commented on Don't Junk Your Retirement Plan $VWEHX $VFINX $DFLVX $DFSVX $DFIVX $DISVX $DFGBX http://seekingalpha.com/article/3992551-junk-retirement-plansource=tweet http://seekingalpha.com/article/3992551-junk-retirement-plansource=tweet"
X Link 2016-08-01T15:42Z [----] followers, [--] engagements

"Old school Graham & Dodd security selection vs new school asset class approaches to value investing:"
X Link 2016-08-06T15:06Z [----] followers, [--] engagements

"Myth: managed futures provide important portfolio diversification benefits. Reality: they're no better than bonds:"
X Link 2016-08-29T20:21Z [----] followers, [--] engagements

"@syouth1 how hard is it for you to look up the peak assets in LLPFX (and when) Don't strain"
X Link 2016-09-23T14:55Z [----] followers, [--] engagements

"The difference between a traditional index and multi-factor approach to int'l investing is astonishing https://www.portfoliovisualizer.com/backtest-portfolios=y&timePeriod=2&startYear=1985&firstMonth=1&endYear=2016&lastMonth=12&endDate=09%2F30%2F2016&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&showYield=false&reinvestDividends=true&symbol1=VGTSX&allocation1_1=100&symbol2=DFIEX&allocation2_2=33&symbol3=DISVX&allocation3_2=33&symbol4=DFCEX&allocation4_2=34"
X Link 2016-10-01T15:37Z [----] followers, [--] engagements

"Biggest advancement in investment management over last 10-15 years is the ability to simplify asset allocation"
X Link 2016-10-05T18:38Z [----] followers, [--] engagements

"Not all "core" portfolios are created equal.beware of advisors who constantly chase the hot dot. Sims == reality"
X Link 2016-10-08T13:21Z [----] followers, [--] engagements

"It looks like Schwab ETFs would have to go to a -0.5% expense ratio to match a "Core Equity" market portfolio"
X Link 2016-10-08T13:51Z [----] followers, [--] engagements

"Looks like iShares has to cut expense ratios by another 50bps to be competitive w/a "Core Equity" market portfolio"
X Link 2016-10-08T13:53Z [----] followers, [--] engagements

"All the twisting/tweaking of ETFs to generate favorable regressions and DIYers still leave 80+ bps on the table"
X Link 2016-10-21T15:17Z [----] followers, [--] engagements

"When market segments underperform obsessing about expense ratios doesn't help. Size/value diversification does https://www.portfoliovisualizer.com/backtest-portfolios=y&timePeriod=2&startYear=1985&firstMonth=1&endYear=2016&lastMonth=12&endDate=11%2F13%2F2016&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&showYield=false&reinvestDividends=true&symbol1=VGTSX&allocation1_1=100&symbol2=DFIEX&allocation2_2=75&symbol3=DFCEX&allocation3_2=25"
X Link 2016-11-14T13:38Z [----] followers, [--] engagements

"Advisors [--] yrs have been snookering investors into believing they need complex alternatives w/no real-world basis"
X Link 2016-12-05T15:53Z [----] followers, [--] engagements

"There's far better ways to own the world equity market than a generic index fund https://www.portfoliovisualizer.com/backtest-portfolios=y&timePeriod=2&startYear=1985&firstMonth=1&endYear=2016&lastMonth=12&endDate=12%2F10%2F2016&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&showYield=false&reinvestDividends=true&symbol1=VT&allocation1_1=100&symbol2=DFGBX&allocation2_3=40&symbol3=DFQTX&allocation3_2=50&allocation3_3=30&symbol4=DFIEX&allocation4_2=40&allocation4_3=24&symbol5=DFCEX&allocation5_2=10&allocation5_3=6"
X Link 2016-12-11T15:32Z [----] followers, [--] engagements

"In simulations DFAs Core Equity Indexes beat Total Market Indexes by 1-2% a year. In real life 1-2% a year. https://www.portfoliovisualizer.com/backtest-portfolios=y&timePeriod=2&startYear=1985&firstMonth=1&endYear=2016&lastMonth=12&endDate=01%2F19%2F2017&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&showYield=false&reinvestDividends=true&symbol1=VT&allocation1_1=100&symbol2=DFQTX&allocation2_2=50&symbol3=DFIEX&allocation3_2=40&symbol4=DFCEX&allocation4_2=10"
X Link 2017-01-20T17:20Z [----] followers, [--] engagements

"No wonder Buffett's such a big index fund fan: 2008-2016 Vanguard S&P [---] = +7.0% Berkshire Hathaway = +6.2%"
X Link 2017-02-26T13:53Z [----] followers, [--] engagements

"How effective are evidence-based advisors at encouraging good client behavior DGEIX 10yr Investor return = 1.6% per year than Fund return"
X Link 2017-07-03T20:10Z [----] followers, [--] engagements

"An often overlooked benefit of global diversification: the increased opportunities from small/value exposure https://www.portfoliovisualizer.com/backtest-portfolios=y&timePeriod=2&startYear=1985&firstMonth=1&endYear=2017&lastMonth=12&endDate=07%2F13%2F2017&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&showYield=false&reinvestDividends=true&symbol1=VGTSX&allocation1_1=100&symbol2=DFIEX&allocation2_2=75&symbol3=DFCEX&allocation3_2=25&symbol4=DISVX&allocation4_3=75&symbol5=DEMSX&allocation5_3=25"
X Link 2017-07-14T13:10Z [----] followers, [--] engagements

"Smart Beta underperformance small cap edition"
X Link 2017-08-30T13:27Z [----] followers, [--] engagements

"The value and small cap dont work anymore crowd may want to look outside the US https://www.portfoliovisualizer.com/backtest-portfolios=y&timePeriod=2&startYear=1985&firstMonth=1&endYear=2017&lastMonth=12&endDate=09%2F11%2F2017&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&showYield=false&reinvestDividends=true&symbol1=EFA&allocation1_1=75&symbol2=EEM&allocation2_1=25&symbol3=DFIEX&allocation3_2=45&symbol4=DFIVX&allocation4_2=15&symbol5=DISVX&allocation5_2=15&symbol6=DFCEX&allocation6_2=25"
X Link 2017-09-12T22:37Z [----] followers, [--] engagements

"Despite marketing claims you dont need complicated multi-asset income products. Basic stocks/bonds are just fine https://www.portfoliovisualizer.com/backtest-portfolios=y&timePeriod=2&startYear=1985&firstMonth=1&endYear=2017&lastMonth=12&endDate=10%2F04%2F2017&initialAmount=10000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&showYield=false&reinvestDividends=true&symbol1=RMYAX&allocation1_1=100&symbol2=DFQTX&allocation2_2=35&symbol3=DFWIX&allocation3_2=15&symbol4=DFAPX&allocation4_2=25&symbol5=DWFIX&allocation5_2=25"
X Link 2017-10-05T20:53Z [----] followers, [--] engagements

"Vanguards Value Index Fund has trailed DFA US Large Value over the last [--] years by [---] bps annually despite almost no value premium Maybe the powers that be in Valley Forge need to stop focusing so relentlessly on expense ratios and look more at portfolio construction 🤔"
X Link 2018-01-13T16:45Z [----] followers, [--] engagements

"@bootsiejones Here you go P1 is the fund I used for the tweet P2 is a globally-diversified version. 5%/yr real withdrawals with ease. Put that TAA in the box with your VCR and Betamax it's useless:"
X Link 2018-02-05T15:37Z [----] followers, [--] engagements

"60/40 portfolios dont work anymore because they are missing floating rate bonds When credit risk showed up in [----] they lost -30% Im sure you werent missing them then https://www.fa-mag.com/news/traditional-bonds---risky-parachutes-37779.html https://www.fa-mag.com/news/traditional-bonds---risky-parachutes-37779.html"
X Link 2018-03-23T19:30Z [----] followers, [--] engagements

Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing