@Rick_Ferri Avatar @Rick_Ferri Rick Ferri, CFA

Rick Ferri, CFA posts on X about stocks, retirement, money, investment the most. They currently have [------] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.

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Social Influence

Social category influence finance 66.96% technology brands 3.48% social networks 2.61% cryptocurrencies 2.61% exchanges 0.87% stocks 0.87% currencies 0.87% countries 0.87%

Social topic influence stocks #3380, retirement 6.09%, money 5.22%, investment 4.35%, longterm 4.35%, market #5533, vti #6, tiktok 2.61%, growth 2.61%, gdp growth #277

Top accounts mentioned or mentioned by @profplum99 @larryswedroe @bogleheads @rhainvestments @realtwolf @robertsimon @dvandenbord @myersbradley @jasonallen1109 @mullaneyseanw @measuretwicemny @wisemintapp @derektinnin @pearlcreek @umlnworb @grok @scottwendy111 @dougboneparth @tjbmd8kzfm @djwindle

Top assets mentioned Bitcoin (BTC) Alpha Technology Group Limited (ATGL) Berkshire Hathaway Inc. (BRK.A) Frontier (FRONT)

Top Social Posts

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

"An impressive chart that active fund managers routinely argue must be distorting price discovery. But lest we forgot the $3.5 trillion shift is a fraction of market value. Total market capitalization of the U.S. stocks stood at $69.0 trillion as of 1/1/2026"
X Link 2026-02-01T14:22Z 31K followers, [----] engagements

"Shiller's CAPE hit 39x in October [----] and investors were talking about an overvalued US stock market. Since then the S&P 500's total return is up 24%. It's another lesson in why blunt indicators like CAPE are all but useless for market timing. Antti Ilmanen talks about how"
X Link 2026-02-08T15:08Z 31K followers, 12.4K engagements

"To delay Required Minimum Distributions (RMDs) until age [--] you can invest up to $210000 of your IRA or 401(k) funds into a Qualified Longevity Annuity Contract (QLAC). This money is excluded from your account balance for RMD calculation until the payout starts postponing taxes https://twitter.com/i/web/status/2021263370616275435 https://twitter.com/i/web/status/2021263370616275435"
X Link 2026-02-10T16:41Z 31K followers, [----] engagements

"@jasonallen1109 @bogleheads @MullaneySeanW @MeasureTwiceMNY You're buying an interest rate but I'm sure someone is paid"
X Link 2026-02-10T18:51Z 31K followers, [--] engagements

"@PearlCreek @bogleheads @MullaneySeanW @MeasureTwiceMNY If the retirement assets were going to be in fixed-income anyway you're not giving up upside"
X Link 2026-02-10T22:00Z 31K followers, [---] engagements

"@mark_woolhiser @bogleheads @MullaneySeanW @MeasureTwiceMNY Many HNW investors use an asset location tax strategy to reduce lifelong taxes. That often leads to a fixed income allocation in tax-deferred retirement accounts. Single premium deferred annuities are fixed-income products"
X Link 2026-02-11T13:07Z 31K followers, [--] engagements

"@umlnworb Dont believe people who are trying to be TikTok influencers and have no practical academic knowledge of what theyre talking about"
X Link 2026-02-16T16:30Z 31K followers, [---] engagements

"Many Tik-Tok videos tell people to Buy these ETFs and retire rich. They recommend QQQ (NASDAQ 100) VOO (S&P 500) and VTI (total market). Im waiting for one of these Tik-Tok geniuses to say that most QQQ stocks are in VOO and all VOO stocks are in VTI so JUST BUY VTI 🤷♂"
X Link 2026-02-16T13:59Z 31K followers, [----] engagements

"@realtwolf @Robert_Simon_ The only thing I assume about stock investing is that global GDP growth will continue so $VTI $VXUS and $VT will benefit in the long term. I don't know enough to make any other assumption"
X Link 2026-02-16T17:56Z 31K followers, [--] engagements

"@realtwolf @Robert_Simon_ @grok For the entire globe it's 0% correlated in the short term and 100% correlated in the long term. You need GDP growth for corporations to achieve earnings growth"
X Link 2026-02-16T18:41Z 31K followers, [--] engagements

"Many TikTok video advisers who recommend ETFs are shallow thinkers. I wonder if they do any research. Often their Three funds to buy overlap significantly so youre getting the same stocks three times. Buy $QQQ $VOO & $VTI is 90% redundant. Just buy the total market $VTI"
X Link 2026-02-16T14:22Z 31K followers, [----] engagements

"@scottwendy111 That's slice'n dice but not efficiently. QQQ follows stocks that trade on an exchange VIOV is size/style fund and VNQ is an industry (real estate). It's all mixed up. If you want to slice'n dice do it with only sector funds or only style funds"
X Link 2026-02-16T14:51Z 31K followers, [---] engagements

"@Robert_Simon_ VOO is only large cap stocks and it has outperformed small cap stocks in recent years thus beat the total market. And if you buy VOO over VTI today because of that then your are performance chasing"
X Link 2026-02-16T15:17Z 31K followers, [---] engagements

"@Robert_Simon_ Most people invest over [--] years. Trying to time sectors or styles usually as a net losing proposition"
X Link 2026-02-16T16:28Z 31K followers, [--] engagements

"@grok @realtwolf @Robert_Simon_ For the entire globe it's 0% correlated in the short term and 100% correlated in the long term. You need GDP growth for corporations to achieve earnings growth. Why is that so impossible for you to understand"
X Link 2026-02-17T01:57Z 31K followers, [--] engagements

"@btq96r A problem occurs when the product is sold to people who dont need large tax losses. Im see much more of that in recent months"
X Link 2025-01-25T01:19Z 28.9K followers, [---] engagements

"@picknatrick Doesnt need the income from sales. She lives off the dividends. So she has a [---] stock portfolio that generates a lot of tax losses that shell never use. Whats the point The point is evergreen fees to the asset manager. Thats the point"
X Link 2025-01-25T02:20Z 28.9K followers, [---] engagements

"@RobertAdes3 @CARBABOGLEHEAD @dougboneparth True with on caveat. Use separate US and international stocks index funds in a taxable account to qualify for the foreign tax credit. A global stock index fund has 50% in international stocks hence you lose the tax credit"
X Link 2025-01-25T11:48Z 28.9K followers, [--] engagements

"@dvandenbord @PaulJMiguel Its the legacy the strict UIT structure. There are four original ETFs that have this structure. SPY MDY DJI and QQQ. Almost all ETFs since the late 1990s were issued under the more liberal [----] Act structure"
X Link 2025-01-25T13:36Z 28.9K followers, [--] engagements

"@tjbmd8kzfm No. Im not a financial planner and have never done comprehension financial planning. I do like Boldin for retirement planning but I dont use it in my business. @NewRetirement https://www.boldin.com/ https://www.boldin.com/"
X Link 2025-01-25T14:08Z 28.9K followers, [--] engagements

"@djwindle @SDHolcomb45 I expect some parts of a diversified portfolio to underperform and some parts will outperform. Thats what happened. If my crystal ball starts working I might make tactical asset allocation . But its been broken for decades. In fact its never worked"
X Link 2025-01-26T21:12Z 28.9K followers, [---] engagements

"@tjbmd8kzfm @JonLuskin I dont expect any alpha generation from them only higher fees. Any alpha goes to the manager"
X Link 2025-01-28T15:02Z 28.9K followers, [--] engagements

"@yenoms @JohnvsAll2024 The Agg is heavily weighted to government debt. Active mgrs have take more credit risk on average thus have earned a risk premium"
X Link 2025-02-02T16:34Z 29K followers, [--] engagements

"@MaciejWasek Yes they are active managers. Ask them and they will tell you that"
X Link 2025-02-02T16:35Z 29K followers, [----] engagements

"Advisers beating the market net of their fees Risk-adjusted or not the probability of that is very very low. Some advisers use inappropriate benchmarks to SAY they outperform and other change benchmarks to fake outperformance but very few match an appropriate benchmark net of their fees let alone beat it"
X Link 2025-02-02T21:31Z 29K followers, [--] engagements

"@WiseMintApp @Robert_A_Berger Schwab and Fidelity certainly have information on advised returns but I'm sure they hold the result very close. It's not in their best interest for the public to know"
X Link 2025-02-02T22:23Z 29K followers, [--] engagements

"@WiseMintApp @ChrisRondinelli Every year I review hundreds of portfolios run by advisers. They tend to be complex with overlapping securities have high fees - including the adviser's fee and underperform a simple index fund portfolio"
X Link 2025-02-02T22:27Z 29K followers, [---] engagements

"@safimona3 Well thats a good question. From a US investors standpoint we dont have great access to all the worlds equity markets. A meaningful amount of emerging markets equity is only available locally. On the other hand a total stock market index fund is a reasonable approach"
X Link 2025-02-02T23:02Z 29K followers, [--] engagements

"@WiseMintApp @tracknumber06 I wish it were so but it ain't so. The WSJ used to run "top" adviser fund recommendations during the 1990s. They bombed and the column was scrapped. If I may be so bold as to offer a different value proposition than "beating the market." I believe you'll be more successful"
X Link 2025-02-03T00:28Z 29K followers, [--] engagements

"I don't own Bitcoin but I do find the 24-hour price action to be a good barometer of people's short-term speculative beliefs. Rapid price changes often signal shifts in investor confidence fear greed or reactions to news events"
X Link 2025-02-03T01:17Z 29K followers, [----] engagements

"@jfrankie91 @TheWealthPhotog @GuyTalksFinance Im not a fan of speculating in any region or country. Heck I dont even know what the US market will do and I live here Just buy 2/3 VTI and 1/3 VXUS and chill for a lifetime"
X Link 2025-02-06T00:57Z 30.2K followers, [---] engagements

"@dollarsanddata Its easy to be brave during a bull market"
X Link 2025-02-06T17:04Z 29K followers, [----] engagements

"@mitchdmoore @matt_buntyn Are you going to continue to make stuff up for the sake of hyping Bitcoin CPI is certainly inflation and if anything its overstated.The Fed uses Personal Consumption Expenditures (PCE) when making policy decision decisions which is LOWER than the CPI"
X Link 2025-02-08T19:53Z 29K followers, [---] engagements

"@JamesMarsh79 Its not about working or not working. Diversification between stocks and bonds reduces the probability of a large loss portfolio it does not eliminate it. There has been years and will be years when both stocks and bonds decline substantially"
X Link 2025-02-08T21:08Z 29K followers, [---] engagements

"@BenJustman @mitchdmoore @matt_buntyn It may overstate housing because many people own homes and dont experience housing cost inflation (rent inflation). Its one reason the Fed uses PCE rather than CPI"
X Link 2025-02-08T22:08Z 29K followers, [--] engagements

"Your age in bonds is a rule-of-thumb that may fit the median retiree who has $200000 in savings but it doesnt fit people who have saved significantly more. If you have more it would benefit you and your heirs to come up with a more thoughtful asset allocation model"
X Link 2025-02-22T13:00Z 29.2K followers, [----] engagements

"@dougboneparth Heres another adviser irony. Those who say they can beat the market often point to Warren Buffett as proof it can be done but they dont include Berkshire Hathaway in client portfolios"
X Link 2025-02-27T13:40Z 29.2K followers, [---] engagements

"@EricBalchunas Exactly. Same issues Garrett Von Wagoner had in when he bought private investments in a mutual fund. The SEC https://www.sec.gov/news/press/2004-122.htm https://www.sec.gov/news/press/2004-122.htm"
X Link 2025-02-28T01:40Z 29.2K followers, [---] engagements

"@alifarhat79 In fairness you are allowed to deduct $3000 per year in losses against other income. The problem is the $3000 deduction hasnt been adjusted upwards in [--] YEARS since implemented with Tax Reform Act of 1976"
X Link 2025-03-03T14:14Z 29.2K followers, [---] engagements

"@JDVanceNewsX No. Any citizen should have the opportunity to become the president or a member of congress otherwise we would have two class of citizens in the US and that isnt right"
X Link 2025-03-06T01:47Z 29.3K followers, 14.2K engagements

"LOL This cartoon reminds me of investors who believe they have superior information to beat the market"
X Link 2025-03-10T02:14Z 29.3K followers, [----] engagements

"@PoorRichardsSon I bought PLTR cheaper than that in my total market index fund. 😊"
X Link 2025-03-10T13:33Z 29.3K followers, [---] engagements

"@Glen_NQDC @bogleheads @michaelrpiper Thank you If you need advice pay for it. If you need asset management pay for it. These are two separate services and there should be two separate fees. Thats what a fiduciary would do"
X Link 2025-03-22T22:17Z 29.3K followers, [---] engagements

"@MstarBenJohnson @exchangeETF It would benefit existing share class owners because ETFs as a share class would reduce existing capital gain distributions but ETF class shareholders might find a surprise if theres not enough assets on the ETF to mop up the capital gain distributions"
X Link 2025-03-23T21:49Z 29.3K followers, [---] engagements

"Everytime I see this chart it reminds me how silly arguments are that passively managed index fund investors are somehow ruining the stock market by distorting prices"
X Link 2025-03-26T07:49Z 29.5K followers, 11.4K engagements

"Jeff Ptak CFA managing director for Morningstar Research Services is my guest on "Bolgeheads on Investing". We discuss the big trends affecting the mutual fund and ETF industries with a special focus on the exponential growth of actively managed ETFs. @syouth1 @bogleheads https://bogleheads.podbean.com/e/episode-80-jeff-ptak-cfa-major-trends-in-the-mutual-fund-and-etf-industry-host-rick-ferri/ https://bogleheads.podbean.com/e/episode-80-jeff-ptak-cfa-major-trends-in-the-mutual-fund-and-etf-industry-host-rick-ferri/"
X Link 2025-03-27T16:01Z 29.4K followers, [----] engagements

"So-called investment experts once told us to use index funds for large-cap stocks and select active funds for small-cap stocks because small-cap markets were inefficient and active managers could easily outperform. They also told us"
X Link 2025-03-28T18:24Z 29.4K followers, 10.2K engagements

"have been telling us to use actively managed bond funds rather than index funds claiming bond indices are inefficiently constructed and active managers can easily outperform them. I have three words of advice: Dont believe them"
X Link 2025-03-28T18:24Z 29.4K followers, [----] engagements

"@UrbanDesertDawg True but when you measure these funds on a risk-adjusted basis they still underperform"
X Link 2025-03-28T20:28Z 29.4K followers, [---] engagements

"@djwindle My international stock index fund is up 6.25% #VXUS"
X Link 2025-03-29T16:52Z 29.4K followers, [--] engagements

"@SergeBourgaine Yes. They are. Im surprised more fund companies have not added them. Not even Vanguard"
X Link 2025-03-30T11:40Z 29.4K followers, [--] engagements

"No. Not much. The expected equity risk premium one week ago was 4% and thats probably what it is today. The difference is a slightly lower expected growth rate or the same expected growth rate with slightly more risk in that rate. When you lower either growth or increase the uncertainty of it by just a hair project that into perpetuity and discount the outcome that back to today youll get a 20% correction in equities"
X Link 2025-04-05T00:02Z 29.5K followers, [--] engagements

"It's always a pleasure to be on the Excess Returns podcast with Jack and Justin People I want to talk to when the world is trying to end: @Rick_Ferri If you need a (long-term perspective) kick in the pants Rick will lend you his foot. Out now on @excessreturnpod catch Rick talking me and @JJCarbonneau off the ledge. https://t.co/NGBHlh4eM5 People I want to talk to when the world is trying to end: @Rick_Ferri If you need a (long-term perspective) kick in the pants Rick will lend you his foot. Out now on @excessreturnpod catch Rick talking me and @JJCarbonneau off the ledge."
X Link 2025-04-05T15:58Z 29.5K followers, [----] engagements

"How does the media strike fear in investors Heres an example from my feed this morning implying that tariffs could lead to a long and deep depression and the rise of another Adolf Hitler: The Smoot-Hawley tariffs of [----] helped lengthen and deepen the Great Depression and led to the collapse of global trade which hit German exports. That in turn contributed to the downturn that helped Adolf Hitler recover from a false start in German politics as William Shirer documents in The Rise and Fall of the Third Reich. Source: Bloomberg Weekend Edition The Forecast"
X Link 2025-04-06T12:08Z 29.5K followers, 45.7K engagements

"@therealchingato Why reference only that one time that tariffs increased Tariffs have been used in the US and in every country for centuries. Answer. It was the one time a tariff increase could be linked to disastrous outcomes"
X Link 2025-04-06T12:31Z 29.5K followers, [----] engagements

""Evidence-based" investing has nothing to do with science. The phrase is an adviser-created marketing gimmick. Those who claim they can outperform using the "science" of "evidence-based" investing should be run out of town. Had to get that off my chest"
X Link 2025-04-15T01:10Z 29.6K followers, 11.8K engagements

"From @AswathDamodaran I heard quite a few advocates of active investing argue that it was during times like this (volatility and crisis) that the "sage counsel" and "timely decisions" of wealth or fund managers would protect investors on the downside. I would suggest the opposite and am willing to bet that the extent of damage that April did to investor portfolios was directly proportional to how much time they spent watching CNBC and listening to (or reading) what market experts told them to do. https://aswathdamodaran.blogspot.com/2025/05/the-greed-fear-tango-markets-in-april.html"
X Link 2025-05-05T12:29Z 29.7K followers, 10.4K engagements

"Hows the global stock market performing this year Despite the Trump tariff dip the Vanguard Total World Stock ETF (VT) price is up 4.34% and it paid a cash dividend in March. Im not complaining"
X Link 2025-05-15T11:04Z 29.7K followers, [----] engagements

"@bvamshireddy I place US in taxable and international in tax advantaged because the dividend yield is so much higher on VXUS over VTI that even forgoing the foreign tax credit its a better tax strategy"
X Link 2025-05-17T09:52Z 29.7K followers, [--] engagements

"@Glen_NQDC Does fits for a niche group of people who know they will be realizing a large capital gain from the sale of an asset or a business but otherwise the product is grossly oversold to people who do not need significant capital losses and will never use them"
X Link 2025-05-17T11:21Z 29.7K followers, [--] engagements

"What am I missing Why is the chosen remedy for solving budget deficits by both political parties to create larger deficits and hope growth increases enough to pay all debts past present and future FWIW my remedy is to tie budget deficits to congressional term limits"
X Link 2025-05-22T12:06Z 29.7K followers, [----] engagements

"@CamSmithD I do not condone what the arresting police officers did when arresting the drug-filled repeat criminal George Floyd. It was wrong. But that doesnt make this person a hero especially on Memorial Day weekend when real heros are honored"
X Link 2025-05-25T21:06Z 29.7K followers, [---] engagements

"@spencer_4hire @dkdoyle2 Im not an expert on police statistics but Im inclined to believe that actual data does not support your opinion that what happened to George Floyd is representative of the experience of so many people of color. What is the truth We dont know and wont hear it in the media"
X Link 2025-05-25T21:54Z 29.7K followers, [--] engagements

"@JasonWattBCC Statues are created to be worshipped"
X Link 2025-05-25T22:32Z 29.7K followers, [---] engagements

"@jamessweeney50 @AdviserCounsel @dkdoyle2 I didnt know the man or the community youre talking about but I have a suspicion that community didnt give a rats-ass about George Floyd when he was just a common drug addict and a criminal"
X Link 2025-05-27T02:20Z 29.7K followers, [--] engagements

"@WallStreetMav What the heck is meant by "assigned sex at birth" That's like saying babies are assigned blue eyes or assigned dark hair. Our bodies are what they are. We're not assigned anything at birth except a name"
X Link 2025-05-27T17:58Z 29.7K followers, [---] engagements

"Today's mess-of-a-portfolio review along with the client's current adviser's explanation of why they have [--] ETFs.🤮🤮🤮 "We dont have any active ETFs in your portfolio but we do invest in factor-based ETFs which are passive investment vehicles that quantitatively optimize portfolio based on different factors other than just a market cap (size). These ETFs are also known as smart beta.""
X Link 2025-06-02T18:07Z 29.8K followers, 23.7K engagements

"They do own it in another portfolio along with several other cryptocurrency funds. They also own an options trading portfolio a long-short portfolio and a Direct Indexing portfolio. Hundreds upon hundreds of securities. The client wants me to give him advice on what to do with it all. Where I'm at"
X Link 2025-06-02T18:37Z 29.8K followers, [----] engagements

"@GavinNewsom To defend the county against all enemies foreign and domestic" is a standard part of the oath taken by military personnel"
X Link 2025-06-08T10:34Z 29.8K followers, 23.3K engagements

"I couldnt resist this click bait which has nothing to do with QQQ per se. Its about dollar-cost-averaging and compounding. Basic math ANY investment will grow to $10 million in [--] years if you invest $1000 every month and earn 17% annually. Good luck finding 17% annually"
X Link 2025-06-24T11:11Z 30K followers, [----] engagements

"Some noted advisers suggest taking your risk with equity and buying only Treasuries on the fixed income side. I don't see it that way. An allocation to corporate bonds makes sense especially in pretax retirement accounts for investors in states that tax distributions from those accounts. If you live in a high-tax state like CA NJ or NY and you put Treasury bonds in"
X Link 2025-06-24T17:39Z 30.1K followers, 13.1K engagements

"a tax-deferred retirement account you're turning interest that's state-free into income that's taxed. So why not use corporate bonds in those accounts and get higher income since 1) the accounts are long-term and 2) you're going to pay state income tax on distributions regardless. Let's look at the benefits of a corporate bond ETF in a retirement account (VCIT vs VGIT). The"
X Link 2025-06-24T17:39Z 30.1K followers, [----] engagements

"Vanguard Intermediate-term Corporate Bond ETF (VCIT) holds [----] individual investment-grade corporate bonds. That's plenty of diversification. The YTM is 5.2%. Contrast this with the Vanguard Intermediate-Term Treasury ETF (VGIT) which has a [---] YTM. IMO an extra 1.2% yield from VCIT is worth whatever extra volatility there is over VGIT"
X Link 2025-06-24T17:39Z 30.1K followers, [----] engagements

"@SergeBourgaine I get it but I don't do it because credit risk is not equity risk although it does correlate with equity risk most of the time"
X Link 2025-06-24T22:19Z 30K followers, [---] engagements

"@RetainerAdvisor Depend upon how much income they have coming in and what theyre expected liabilities are. Have clients who have double the income from pensions Social Security and rents to pay all expenses times two. They dont extra cash"
X Link 2025-06-25T02:42Z 30K followers, [---] engagements

"@venkdaddy No. Doesnt help; however Ive never invested in something because of the anticipation of it having negative correlation or non-correlation with equities. I dont rely on that and never have"
X Link 2025-06-25T02:43Z 30K followers, [--] engagements

"No. Ive never been anti-corporate bonds like other advisors have been. Nor am I anti-municipal bonds like some advisors are due to their perceived credit risk of cities and states. If the broad corporate bond market goes to the dogs and the municipal bond market goes to the dogs I dont see how the US treasury market is going to save the day"
X Link 2025-06-25T02:47Z 30K followers, [---] engagements

"@oakparkwm My post was about the difference between Treasury bonds and corporate bonds and your posting the return of a money market fund. I dont get the point"
X Link 2025-06-26T01:49Z 30K followers, [--] engagements

"@myersbradley @michaelrpiper I used Social Security actuarial tables"
X Link 2025-06-26T16:47Z 30K followers, [---] engagements

"I've never met a 1% AUM adviser who shares my view on separating advice fees from asset management fees. Why not Because their 1% AUM fee does not align well with the amount of dollars they charge clients for these two services and they're afraid of losing revenue. To say "The client is OK with paying me 1% so there's no problem" is a cop-out. A fiduciary is supposed to review fees for fairness periodically including their own fee. Let's get to it NEW EXCESS RETURNS https://t.co/X2zEjAjXUM feat. @dampedspring @Rick_Ferri @chriswmayer @dailydirtnap @Informed_Mo @CameronDawson @StocktonKatie"
X Link 2025-06-30T17:12Z 30K followers, 20.7K engagements

"@Advisor_Jupiter @tracknumber06 That's correct. I charged a 0.25% AUM fee for asset management and did not do financial planning. Many clients paid a separate (independent) planner an hourly or retainer fee for that work. Asset management and financial planning are two separate services"
X Link 2025-06-30T17:45Z 30K followers, [--] engagements

"I get many questions about Roth conversations. Many people have been programmed to believe they are a given. Thats not true. Theres a lot to consider. One factor often overlooked is the tax bracket of the people or entity that will inherit your assets. If their tax bracket is meaningfully higher than yours doing Roth conversions and paying a lower tax may be beneficial to them. However if their tax bracket is lower than yours or in the case of a charity that pays no tax it may not make sense to do Roth conversions"
X Link 2025-07-02T11:11Z 30K followers, [----] engagements

"This is very sad. Warnings of flooding in Central Texas started two days before the flood hit. Mayors and county officials in cities and towns were informed the day before but didnt act. https://www.npr.org/2025/07/05/nx-s1-5457759/texas-floods-timeline https://www.npr.org/2025/07/05/nx-s1-5457759/texas-floods-timeline"
X Link 2025-07-08T12:20Z 30.1K followers, [----] engagements

"@Ashton_1nvests Mathematically diversification reduces the risk of a large portfolio loss. The reduction in volatility can also increase long-term compounding"
X Link 2025-07-08T12:25Z 30K followers, [---] engagements

"Why is it that active management critics of index investing who write papers that point to a recent increase in correlations of stocks returns in the S&P [---] by cap weight never use an equal weight total US stock market index as a proxy https://papers.ssrn.com/sol3/papers.cfmabstract_id=5259427&utm_source=theideafarm.com&utm_medium=newsletter&utm_campaign=deficit-demographic-disasters&_bhlid=8c5bc366426e355b5d3365e0baa06f18bae3d92b"
X Link 2025-07-13T13:41Z 30.1K followers, [----] engagements

"Critics of index funds (see link) claim that buying an index puts too much money in overvalued stocks and not enough in undervalued stocks. If that's true why do so many active managers underperform The answer is they don't know which stocks are overvalued and which are undervalued. https://papers.ssrn.com/sol3/papers.cfmabstract_id=5259427&utm_source=theideafarm.com&utm_medium=newsletter&utm_campaign=deficit-demographic-disasters&_bhlid=8c5bc366426e355b5d3365e0baa06f18bae3d92b"
X Link 2025-07-13T21:13Z 30.1K followers, 16.7K engagements

"@1_old_hiker Less diversification by default means more risk. The fewer stocks you own the more specific risk is inherent in the portfolio"
X Link 2025-07-14T19:21Z 30.1K followers, [--] engagements

"@profplum99 @larryswedroe As a total world market index investor (VTI + VXUS or just VT in tax-advantaged accounts) its not going have any impact on my performance whatsoever"
X Link 2025-07-20T14:05Z 30.1K followers, [----] engagements

"@RHAInvestments @profplum99 @larryswedroe Huh I don't care what the impact of the largest holdings of VTI might be over any time period. What I care about is getting my fair share of the long-term global market total return"
X Link 2025-07-20T15:57Z 30.2K followers, [---] engagements

"@RHAInvestments @profplum99 @larryswedroe It is linked to flows into global equities in aggregate. It doesn't matter which portion of the pool you dump water in; the level of the pool rises the same"
X Link 2025-07-20T16:09Z 30.1K followers, [----] engagements

"@RHAInvestments @myersbradley @profplum99 @larryswedroe Total market index funds do not distort the market because they are the market. Money can shift from large to small and growth to value but as long as that money remains in the market it has no impact on a total market index fund"
X Link 2025-07-20T16:18Z 30.2K followers, [--] engagements

"@RHAInvestments @myersbradley @profplum99 @larryswedroe That's a fallacy created by advisers who profit from propagating the fallacy. There is no hidden risk to owning the entire global equity market"
X Link 2025-07-20T16:22Z 30.1K followers, [--] engagements

"@RHAInvestments @myersbradley @profplum99 @larryswedroe The fear of extremely short-run inelasticity in individual securities is irrelevant to a long-term buy-and-hold total market index investor. They won't see it even if it does happen"
X Link 2025-07-20T16:28Z 30.1K followers, [--] engagements

"@dvandenbord @RHAInvestments @profplum99 @larryswedroe No. I buy stocks for long-term growth. I dont need the money in stocks for the next [--] years so I dont care what happens over any single year or even five years. Stocks tumble Id buy more"
X Link 2025-07-20T19:04Z 30.1K followers, [---] engagements

"Everyone needs to come up with the asset allocation going into retirement thats appropriate for them. Whatever money a person will need in the next [--] years should not be invested in equity. Im not saying that all the money youre not going to spend should be an equity Im saying that you may change your allocation as you approach retirement based on your unique situation"
X Link 2025-07-20T19:13Z 30.1K followers, [---] engagements

"Whats absurd is for those over [--] and paying for Medicare to also have to pay a Medicare tax (FICA) just because theyre still working. People who are over age [--] and still working have to pay into Social Security even though they are getting SS and get no additional benefit from paying more in. Now we have an extra over [--] tax deduction but many people who are still working wont get it because the income is too high. The government simply does not want people over [--] to work. That is absurd"
X Link 2025-07-20T19:26Z 30.1K followers, [---] engagements

"@derektinnin @dvandenbord @RHAInvestments @profplum99 @larryswedroe I dont believe that investing passively in a total market index is going to be harmed more in a bear market than investing actively. That has never happened in the past and I dont believe itll happen in the future"
X Link 2025-07-20T19:46Z 30.1K followers, [---] engagements

"@derektinnin @dvandenbord @RHAInvestments @profplum99 @larryswedroe I dont think the man who is responsible for managing 10% of the US equity market value is wrong but you can say whatever you want on social media"
X Link 2025-07-20T20:52Z 30.1K followers, [--] engagements

"@RHAInvestments @derektinnin @dvandenbord @profplum99 @larryswedroe Hedge funds have been trying to exploit index reconstitution and rebalancing for decades. It is not easy to do. The index providers and fund sponsors are constantly innovating to prevent front-running"
X Link 2025-07-20T21:14Z 30.1K followers, [--] engagements

"Jeff Clark is my guest on "Bolgeheads on Investing" episode [--]. Jeff is a 27-year veteran of Vanguard Workplace Solutions Head of Defined Contribution Research and author of "How America Saves 2025." https://bogleheads.podbean.com/e/episode-84-jeff-clark-author-of-how-america-saves-2025-vanguards-annual-report-on-workplace-401k-plans-host-rick-ferri/ https://bogleheads.podbean.com/e/episode-84-jeff-clark-author-of-how-america-saves-2025-vanguards-annual-report-on-workplace-401k-plans-host-rick-ferri/"
X Link 2025-07-22T13:13Z 30.6K followers, [----] engagements

"@bogleheads @Vanguard_Group"
X Link 2025-07-22T13:14Z 30.1K followers, [----] engagements

"@BrianFeroldi Professional sports empowers people to become world class athletes. Read my book on how to go from a slouch to a NFL superstar without ever getting off the couch. 🤣🤣🤣"
X Link 2025-08-02T23:18Z 30.2K followers, [---] engagements

"@KristophJeffers @HashOverCash21 [--] year treasuries is a little bit long for me . None the less if you wish to speculate your way to retirement with bitcoin thats your choice. I will stay with intrinsic value"
X Link 2025-08-09T00:24Z 30.2K followers, [---] engagements

"@HashOverCash21 You havent discovered anything new. I was in college during 70s and know what inflation is. I also know that there will be inflation and I know inflation its worked into all asset prices over time from stocks to bonds to real estate. Those things with intrinsic value"
X Link 2025-08-09T00:45Z 30.2K followers, [---] engagements

"@chadpvegas @JonLuskin Bonds are more complicated than stocks due to the timing of your liabilities and your tax rate. Short term bond work well when saving for big ticket items municipal bonds work well and when youre in a high tax bracket"
X Link 2025-08-09T11:33Z 30.2K followers, [--] engagements

"Why Correlation Doesnt Matter Much - http://t.co/rXgbH2Kzt5 http://www.rickferri.com/blog/investments/why-correlation-doesnt-matter-much/ http://www.rickferri.com/blog/investments/why-correlation-doesnt-matter-much/"
X Link 2014-01-28T13:02Z 28.4K followers, [--] engagements

"I'm at an index investing conference today listening to a panel on frontier markets and the room is nearly empty. How things have changed"
X Link 2014-12-09T18:21Z 28.4K followers, [--] engagements

"Trading ETFs in a Volatile Market. My view http://t.co/aEfyOZscVH http://us.asset.tv/video/trading-etfs-volatile-market http://us.asset.tv/video/trading-etfs-volatile-market"
X Link 2015-09-23T18:19Z 28.4K followers, [--] engagements

"Few advisers were using index fund strategies in the 1990s when I founded @InvestWithPS. Now it's the norm. Good http://www.wsj.com/articles/the-dying-business-of-picking-stocks-1476714749 http://www.wsj.com/articles/the-dying-business-of-picking-stocks-1476714749"
X Link 2016-10-18T12:56Z 28.4K followers, [--] engagements

"You can bet the brave men who died at Pearl Harbor [--] years ago never took a knee during our national anthem. http://profootballtalk.nbcsports.com/2016/12/08/kaepernicks-anthem-protest-comes-up-during-pearl-harbor-75th-anniversary-event/ http://profootballtalk.nbcsports.com/2016/12/08/kaepernicks-anthem-protest-comes-up-during-pearl-harbor-75th-anniversary-event/"
X Link 2016-12-08T14:42Z 28.4K followers, [--] engagements

"Lower fee is always good to see "Vanguard Reports First Wave Of [----] Expense Ratio Changes" http://www.prnewswire.com/news-releases/vanguard-reports-first-wave-of-2016-expense-ratio-changes-300382814.html http://www.prnewswire.com/news-releases/vanguard-reports-first-wave-of-2016-expense-ratio-changes-300382814.html"
X Link 2016-12-23T15:28Z 28.4K followers, [--] engagements

"Vanguard released its annual report on indexing "The case for low-cost index fund investing" https://personal.vanguard.com/pdf/ISGIDX.pdf https://personal.vanguard.com/pdf/ISGIDX.pdf"
X Link 2017-04-26T11:47Z 28.4K followers, [--] engagements

"Good information on the diversification benefits of adding a REIT index fund or ETF to a broad US equity index fund. https://advisors.vanguard.com/iwe/pdf/FAETFPSP.pdfcbdForceDomain=true https://advisors.vanguard.com/iwe/pdf/FAETFPSP.pdfcbdForceDomain=true"
X Link 2017-05-16T21:03Z 28.4K followers, [--] engagements

"I always had an issue with this: a fund sponsor actively picks stocks to go into an index; they manage an ETF that follows their index; they call this product a passively managed index fund. Seriously Can they at least be a little honest http://www.etf.com/sections/features-and-news/motley-fool-jumps-etfsutm_source=newsletter&utm_medium=email&utm_campaign=dailynewsletter http://www.etf.com/sections/features-and-news/motley-fool-jumps-etfsutm_source=newsletter&utm_medium=email&utm_campaign=dailynewsletter"
X Link 2018-02-09T19:12Z 28.4K followers, [--] engagements

"@EconomPic @syouth1 The key word is expected net of fee excess return. Thats easy. Actually getting alpha ex-post is a different story. Its possible just not probable and always more expensive"
X Link 2018-04-19T10:45Z 30K followers, [--] engagements

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