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Investing Discipline

AI: "Most CFPs and financial advisors use a tiered percentage model, with the annual fee decreasing as assets increase, but 1% is very standard for a $1,000,000 portfolioT

The Vanguard S&P 500 ETF (VOO) is consistently ranked among the lowest-cost S&P 500 index funds, with a current expense ratio of 0.03%"

I get a kick out of Fisher commercials that say....."If you don't make money, we don't make money." They charge 1 to 1.5%.

1% a year for investing 30-years is 30% of 'your wealth' compounded! The really rich buy a bunch of the S&P 500 stocks that mimic the S&P 500 and avoid the capital gains distribution that tends to happen with ETFs. I have a close friend who had a retirement account from a large law firm and the long returns are dismal. I'd almost call it criminal.
 
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The thing is, the market is probably not too far from entering another box like that. It won't be exactly like last time, but a similar period of sub par gains will come. It wil not be going up at a rate of 20% per year forever.

This secular bull could be longer or shorter than last time. If it plays out the same as the last time, then we would have around five years left to the top and about a couple years before it enter the box.
 
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I don't know when it is coming but it is coming. This could end up being the greatest bull market ever. Or it could be in the box already.
 
Joe Flacco said:
The thing is, the market is probably not too far from entering another box like that. It won't be exactly like last time, but a similar period of sub par gains will come. It wil not be going up at a rate of 20% per year forever.

This secular bull could be longer or shorter than last time. If it plays out the same as the last time, then we would have around five years left to the top and about a couple years before it enter the box.
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I saw an interesting forecast recently from an Elliott Wave chartist that has been more accurate than the vast majority of them lately. He thinks that the top is in for the year, a ~ 20% pullback in 2026, then a blowoff top in 2027.

My guaranteed-to-be-wrong forecast is a rally to 7500 to end the year, 2026 being stagnant, then a strong 2027 to usher in a high inflation period that ends the bull for some time. Sentiment was quite frothy last year and there are plenty of doubters this year, so there is probably a political element *cough, Fernando* which could buoy the market for longer than it should.
 
Probably best to average purchases into the S&P while waiting for the next Bear & Bull markets.

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Gobears81 said:
I saw an interesting forecast recently from an Elliott Wave chartist that has been more accurate than the vast majority of them lately. He thinks that the top is in for the year, a ~ 20% pullback in 2026, then a blowoff top in 2027.

My guaranteed-to-be-wrong forecast is a rally to 7500 to end the year, 2026 being stagnant, then a strong 2027 to usher in a high inflation period that ends the bull for some time. Sentiment was quite frothy last year and there are plenty of doubters this year, so there is probably a political element *cough, Fernando* which could buoy the market for longer than it should.
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I'm feeling like we end this year around $720. Then I think it grinds higher all of 2026 into the mid-terms, then it skyrockets for the next two years after the Democrats take back control of congress.
 
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