Favorite team:LSU 
Location:Seabrook, Texas
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Number of Posts:191
Registered on:8/5/2013
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And if charitably inclined make sure to understand QCD’s. And IRMAA is not the end of the world. Of course at the higher amounts it’s fairly significant but tax rates are still relatively low right now.
Exactly and most people are in a lower bracket in retirement.
One thing to discuss is asset location not just asset allocation. Your Roth IRA should be your most aggressive account as it grows tax free. Your Traditional IRA should have more bonds as bonds are taxed at ordinary income and this will avoid that. Any taxable accounts should have more equities as you can tax loss harvest and capital gains tax is usually lower than ordinary income.
Correct. RMD concerns are overblown. It’s a way for advisors to show their “worth” and discuss Roth conversions etc.
No. Don’t trust AI to plan your life. It’s often wrong.
The Fed Funds rate doesn’t affect bond prices. Treasury rates, which are market driven, affect bond prices.
Confused…you want the income of 1.48%? Dividend Growth funds aren’t meant for the income. They’re meant for the strength of the companies expressed by the growth of the dividend. Meaning the companies are solid because of the growth of the dividend. If you want the “income” why not look at a higher dividend yield fund or better yet a bond fund with where rates are right now.

re: Fat loss/waist size at 44

Posted by TX_Tiger23 on 6/11/26 at 10:37 pm to
Looking like Jeff Dunham’s angry old man puppet in here. LINK

re: Fat loss/waist size at 44

Posted by TX_Tiger23 on 6/11/26 at 10:34 pm to
Only one posts after this…congrats! You won!
Love sliced red grapes and almonds.

re: Space X IPO question

Posted by TX_Tiger23 on 6/10/26 at 9:01 pm to
Great response and completely correct. But those initially selling cause others to see the downtick and the momentum changes. Causing increased selling. But you are 100% that a $75bln IPO by itself doesn’t drop the entire market. But then add in Anthropic, OpenAI etc…

re: Space X IPO question

Posted by TX_Tiger23 on 6/10/26 at 8:02 pm to
You definitely won’t get what you put in for. Morgan Stanley HNW with good syndicate scores get priority over all retail.

re: Space X IPO question

Posted by TX_Tiger23 on 6/10/26 at 7:40 pm to
To fund an allocation to SpaceX investors have to have capital. That capital is coming from their winners. I’m not a fan of investing at the IPO but this selloff is expected because most are fully invested and need cash to buy the new shiny object.

re: Space X IPO question

Posted by TX_Tiger23 on 6/10/26 at 7:37 pm to
Extreme valuations, yes. Revenues “small,” incorrect.
Market volatility is not a good thing. This is my original statement. It doesn’t mean lots of money can’t be made. It means it’s not a positive for the markets. A VIX in the 30s is not a good thing for the market, regardless of how much money is being made. In ‘08-09 a ton of money was made, but it wasn’t by the market…at least not until the volatility decreased.
Right. And I’m sure your “discipline” and “reserve capacity” have constantly had you outperforming the markets with the same beta for an extended period of time.

It’s fun to speak of our heroics when receipts aren’t required.
Volatility is great for trading and speculation. It’s not a great thing for the markets in general. That’s still true regardless of how amazing of a trader or “investor” you are.
Volatility is not a good thing for the markets. Take a look at some crazy rallies during bear markets. Not saying that’s what this is the start of just saying volatility is not a good thing. You want the VIX below 20 and nice 10-20bps move days. Not 250bps moves in a day.
Blackrock owns iShares, they need the allocation to put in their ETFs that follow indexes.

re: MSFT, AMZN, GOOG

Posted by TX_Tiger23 on 6/2/26 at 4:14 pm to
And Alphabet has a huge investment in SpaceX…north of $100bln. So they’ll benefit in that scenario too.