And there’s still some dude just sitting in Pontiff waiting for invaders so he can insta destroy them with hacks.
And there’s a dude just playing with invulnerability hacks so if you invade, you can’t harm him.
I mean, for all the care I have to take with mods just to unlock FPS and not get banned, you would think FS could do something about this. Oh well!
Vanguard projects roughly 1.5%-3% annualized returns for US growth stocks over the next 10 years, citing high valuations and valuation mean reversion as the primary thesis (growth is great, but the price you pay matters).
I was originally planning a 70/30 allocation VOO and SCHD, with the intent that all future contributions would go only to SCHD so that the “income” allocation of my portfolio would increase over time, eventually overtaking growth.
Vanguard’s report echoes what I keep hearing from several other of my most respected commentators of the markets, namely that a rough period is on the horizon. Now I am seriously doubting whether starting with 70% large cap growth (VOO) is a good idea.
What other possible approaches could I consider? 30/70 VOO/SCHD? For context, I am late 30’s with about 25-30 year time horizon, provider for my family.
Note: My end goal is a massive position in SCHD (never sell, live off dividends), supplemented by a growth bucket I can sell off as needed from time to time.