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Right. But that’s not what I mean.

Split the total market into 3 funds and see how much better it compares to your solution. (Drawdowns tab also)

https://www.portfoliovisualizer.com/backtest-portfolio?s=y&t...



I think what you're seeing is the higher yield (+risk) of the small-cap fund. See this comparison to VISGX only:

https://www.portfoliovisualizer.com/backtest-portfolio?s=y&t...


I agree with bsmith. SCV is riskier, and in theory provides better returns. You can minimize the risk a little by tilting a little, like Paul Merriman recommends.

As long as we are performance chasing[0].. CAGR 27.22%! or Bitcoin before the pop, or any of the big FAANG's alone :)

Obviously I'm not suggesting you actually buy and hold UPRO 100% AA.

The problem is, we have no idea what the future holds, and can only guess. Buying the market(VTSAX/VTI) is the next best thing, you can't really do wrong, but you also won't "win" in the sense that you only get winners. Or VT if you want the global market.

0: https://www.portfoliovisualizer.com/backtest-portfolio?s=y&t...




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