u/69philosopher

I like the evidence based approach regarding the small-cap companies they take off. But what do y’all think? I’m not a boglehead but have a similar philosophy.

I read a book on it recently, and realized I already half practice it. A bad summary is that if you use margin at a young age you diversify your stake through time while having higher exposure to your life time earnings earlier. This only makes sense at a lower rate. I already do this through Robinhood, using their 5% margin (totally unrelated but their 3% credit card is the best) but I don’t do the 2:1 ratio the book mentions as I just am not comfortable with that much risk. Which the book mentions as well, not everyone should do 2:1, and the risk of being wiped is always there, however I wanted to see what everyone else thought about the book/philosophy? I’m constantly trying to learn about how to invest. It’s hard for me to sit back and relax tbh, I like saving a large portion of my paycheck and putting it towards investments. And I’d like to think that being in my 20’s quantifies the effects.

I welcome criticism just be insightful.

I want to see your takes. Countries outside of the U.S. are selling off their bonds, bond yields are increasing, and I want do discuss what would happen as a positivity in all my lack of PhD education.

But although I’m not invested in bonds, at all, I wonder how that might affect the stock market in the U.S. & elsewhere as well.