I’m not doing so well this year. My returns suck. they are around 4%. Everyone else is doing double digits… Price I pay I guess to being more conservative….I wish I had the guts to still gamble on big option positions or those leveraged 3x funds….
My most recent biggest change was moving my kid’s 529 from the predominantly heavy concentration of Vanguard small cap, mid cap, and large cap stock only choices to what they call “Commencement Day 2024/2025” fund….I guess it’s suppose to remove a some of the risk by putting a higher percentage into things other than stonks! The odometer on my kid’s college fund rolled over , and I no longer need to actively contribute to it. Maybe I pulled the trigger too early…
