Net Zero

Gen Z • first gen investor. Index funds, small cap value tilt, and the math behind it. Built free private portfolio math.

[Net Zero @FinanceNetZer0]

Been off here for like 7 months.

Spent most of that time going down a rabbit hole on index investing and it honestly changed how I think about all of this.

[Net Zero @FinanceNetZer0]

@zerohedge waiting for the Claude powered good terminator to come fight it in the sequel

[Net Zero @FinanceNetZer0]

@jeremyct worth noting the limit went up to $7,500 for 2026, so there's another $500 of room if you're maxing. small thing but it compounds for 40 years like everything else in here

[Net Zero @FinanceNetZer0]

@mistressdivy the Roth part is underrated here. those dividends come out completely untaxed, so you're keeping the full 3.56% instead of handing a chunk back every April. same portfolio in a taxable account is a meaningfully different result

[Net Zero @FinanceNetZer0]

@StockMKTNewz people read these as a signal but the simpler read is that even the guy who built it doesn't want everything in one stock. diversifying out of your own concentrated position is just what you do when you have something to lose

[Net Zero @FinanceNetZer0]

@KobeissiLetter this is the thing that finally got me to stop trading earnings. you can be completely right on the numbers and still lose, because you're not betting on the results, you're betting on results vs whatever was already priced in

[Net Zero @FinanceNetZer0]

@charliebilello the 10 year number is the one that gets me. 2,200 to 7,700 and there was never a stretch in there where it felt obviously safe to buy. every one of those years had a reason to wait

[Net Zero @FinanceNetZer0]

@xBitcoin_Teej mostly agree but worth knowing QQQM and VOO overlap a ton, you're basically doubling down on US large cap growth. fine if that's the bet you want, just isn't as diversified as it looks on paper

[Net Zero @FinanceNetZer0]

@themoviedadsc I'm one of the youngins who had to learn this the hard way. spent last year picking stocks, finished up 22.5% and felt great about it until I realized the index I was ignoring did nearly the same thing without me doing anything. switched over this year

[Net Zero @FinanceNetZer0]

@unusual_whales the sheer amount of activity in these disclosures is what stands out to me now. every one of those positions has to be right twice, going in and coming out. I gave up trying to be right twice and my results got better

[Net Zero @FinanceNetZer0]

@unusual_whales central bank buying is the part of the gold case that actually holds up. most of the rest of it is vibes. still haven't decided if it deserves a permanent slot in my allocation or if I just like owning it

[Net Zero @FinanceNetZer0]

@KobeissiLetter this is the part that actually matters if you hold a 60/40 or anything like it. bonds only earn their spot by zigging when stocks zag. worth actually checking what your bond sleeve is doing for you instead of assuming it's doing the old job

[Net Zero @FinanceNetZer0]

@unusual_whales all time highs feel like the worst possible time to buy and they're actually one of the most normal times to buy. the market spends a big chunk of its life near a high. took me way too long to stop flinching at this headline

[Net Zero @FinanceNetZer0]

@unusual_whales honest question, what are you supposed to do with a call like this if you're 25 and buying every month. sit in cash for 3 years waiting for it? I tried timing stuff like this last year and being wrong cost me more than the drop would have

[Net Zero @FinanceNetZer0]

@MikeZaccardi wild how fast that gap closed. this is basically why I gave up trying to guess the US/intl split and just hold market weight. whichever side runs, I own it

[Net Zero @FinanceNetZer0]

@dividedgrwthdad how do you pick the split each week? that's the part I always overthought. these days I just put the new money into whatever's furthest under my target and leave the rest alone

[Net Zero @FinanceNetZer0]

Went back through my 2025 posts and the pattern is pretty obvious now.

Every win I posted about was a growth name in a year growth ran. I had nothing to compare it against so it looked like skill.

Keeping those posts up for a reason.

[Net Zero @FinanceNetZer0]

Not deleting my old posts either, that's just where I was at.

If anyone else is working through this stuff happy to talk about it.

[Net Zero @FinanceNetZer0]

Been off here for like 7 months.

Spent most of that time going down a rabbit hole on index investing and it honestly changed how I think about all of this.

[Net Zero @FinanceNetZer0]

It's free and open source, no ads, no affiliate stuff. Just something I wanted to exist.

https://t.co/AFaCTcETUE

If you try it and something's broken or the math looks off please tell me, I'd honestly rather hear it.