Differences

This shows you the differences between two versions of the page.

--- investing [2025/11/24 07:13] – [Risk] jhagstrand
+++ investing [2025/11/30 00:30] (current) – [Key Ideas] jhagstrand
@@ Line 1: / Line 1: @@
 ====== Investing ======
+[[American Expat Retiree Financials | contents]]
+=====Key Ideas=====
+company types
+how to evaluate your broker/dealer: independent, conflict-free, ACAT
+broker/dealer accounts: taxable, deferred, tax-free Roth
+types of investments: stocks, bonds, mutual funds and ETFs
+how to evaluate investments: growth vs value, cap:large, mid, small, risk
+how to balance a portfolio
+financial advisor: how to choose
+(this is not key ideas, its organization)
+=====Updates=====
+====2025====
+SP500 etfs are over-valued now: IVV and SPY
+put VBIL in taxable account to prep for Roth Conversions
+if market crashes, do heavy Roth Conversions, have VBIL on hand to pay the taxes
+value vs growth
+I have everything in growth.  This is aggressive.
+In a sell-off you might want to have some value funds like VTV
+keep 50:50, rebalance every year in january
+international stocks are this year beating US stocks:  VXUS
+depends on strength of dollar
+Jack Vogel, founder of Vanguard
+Google, half of sales is foreign
+value funds have dividends, which have to be paid in the taxable account
 ====== Introduction ======