Bullish Jkap ~

Intelligent Investor 🙇🏻‍♂️. Idea generator 💡. Economist 📊

[Bullish Jkap ~ @BullishJkap]

Interview with @jimcramer at @TotalWine in Boca Raton Part 1.

[Bullish Jkap ~ @BullishJkap]

@TKopelman You basically answered my question.

On my side we typically include assets like cash, non managed positions in total AUM even though we don’t “manage” it.

[Bullish Jkap ~ @BullishJkap]

@TKopelman So planning fees really your bread and butter from the numbers..

You clear through Schwab or fidelity? Or both?

[Bullish Jkap ~ @BullishJkap]

@TKopelman @grok Hah lmk what you think @TKopelman .. I’m sick of of this 6% mortgage. Been doing 500 extra a month since I got the home and considering a lump sum versus lump sum recast and just continuing to make same payments.

[Bullish Jkap ~ @BullishJkap]

@TKopelman @grok Does it make sense to do a recast and continue making same monthly payments prior to recasting. Will I pay off my mortgage faster doing that rather than just doing a lump sum and not recasting?

[Thomas Kopelman 💵 @TKopelman]

If you got a $1mil mortgage at 6%

Then in the first 5 years, 81% of the payments you make will go to interest

If you increase it to 7%, then 85.5% of your payments would go to interest

This is exactly why buying a home is not a good move in the short term

You front load interest, have closing costs, etc.

And then when you sell you have more costs

Buying wins in the long term, but rarely in the short term

[Thomas Kopelman 💵 @TKopelman]

Dangerous things happen when you only look at financial decisions through the lens of tax savings

Taxes matter, of course, but they are just one piece of your financial plan

Focusing solely on deductions, credits, or write-offs can lead to decisions that actually reduce your long-term wealth

The bigger goal is maximum wealth, not minimum taxes

Every decision should be evaluated by how it impacts your overall financial picture, not just the number on your tax return

[Ben Carlson @awealthofcs]

How often S&P 500 drawdowns occurred in a given year since 1928:

-5%: 94% of all years
-10%: 63% of all years
-20%: 26% of all years
-30%: 10% of all years
-40%: 6% of all years
-50%: 2% of all years

https://t.co/aDaCdrPCq3

[Thomas Kopelman 💵 @TKopelman]

Financial planning is not an expense

It's an investment in your current and future self

To help you:
- become more educated
- free up more time
- feel more confident in the decisions you are making
- avoid mistakes
- reduce your tax liability
- etc

[Bullish Jkap ~ @BullishJkap]

@TKopelman 1 referral a year would be a solid W

[Ryan Detrick, CMT @RyanDetrick]

S&P 500 down 10% YTD at some point and finishes the year up >15%?

Good chance it happens this year for only the 4th time ever.

The slingshot effect is real, as the next year was up at least double digits each time and up 19% on avg.

[Shay Boloor @StockSavvyShay]

DATA CENTERS WILL HIT 10% OF U.S. POWER DEMAND BY 2029

8 names to watch:
• $NNE grid buildout
• $VST grid generation
• $CCJ uranium supply
• $VRT power & cooling
• $CEG nuclear baseload
• $OKLO micro-nuclear edge
• $LEU enriched uranium fuel
• $EOSE long-duration storage

[Jon Erlichman @JonErlichman]

How often does stock market decline?

1% drop: 50-60 times a year

3% drop: 7-8 times a year

5% drop: 3-4 times a year

10% drop: every 1.1 years

15% drop: every 2 years

20% drop: every 3 ½ years

25% drop: every 5-7 years

(S&P 500 avg since 1928)

[Charlie Bilello @charliebilello]

At today's low, the S&P 500 was down 5.8% from its Oct 29 peak, the 31st pullback >5% since the March 2009 low.

Each one came with a scary headline.

Each one felt like the end of the world.

And yet ... the world didn’t end and the market eventually recovered to hit new highs.

[Charlie Bilello @charliebilello]

% Below 52-Week High
Apple: -4%
Google: -6%
S&P 500: -6%
Gold: -7%
Microsoft: -14%
Nvidia: -15%
Amazon: -16%
Tesla: -20%
Palantir: -25%
Meta: -26%
Bitcoin: -32%
Ethereum: -44%
Coinbase: -47%
MicroStrategy: -67%
Dogecoin: -70%
Fartcoin: -90%
Trump Coin: -91%
Melania Coin: -99%

[Thomas Kopelman 💵 @TKopelman]

I’m a financial advisor and I probably look at stock prices less often than the average person

Investing isn’t about the price today

It’s about 10, 20, or 30+ years from now

[Bullish Jkap ~ @BullishJkap]

@TKopelman Same

[Peter Mallouk @PeterMallouk]

125 years of market history tell a simple story...
Stocks and earnings move together with a 98% correlation.
The short run is all about noise.
The long run is all about profits.
Speculators chase noise. Investors follow profits.

[Thomas Kopelman 💵 @TKopelman]

A good financial advisor is:

-a teacher
-a listener
-a guide
-an accountability partner
-a friend who truly cares about your success
- a coach
- a therapist
- an unbiased third part
- someone who should challenge you
- there for you in the biggest moments/decisions

[Daniel J. Stefanski, EA @danjstefanski]

Splitting investments between you and a financial advisor to “see who does better?”

You are not testing performance

You are setting up a competition you are guaranteed to lose

Here is why it is a bad idea: