@ducksays Mine is in VFFSX and I’m 29 so. Not bad. However I do only have this portion of it in VFFSX and then the rest in a SDBA with Schwab so I can have my own customized allocation with factors I’m not able to access thru my 401k broker (Empower)
@sentdefender This has got to be going exactly as planned… vague / ambiguous posts, movements etc amplified by big X platforms… totally NOT a Psyop of any sorts. 🙄🤣
Important context: The official 30-year fixed mortgage rate is currently around 6.45-6.55% and Freddie Mac's latest weekly average is 6.22%.
It hasn't sustainably crossed 7% . This looks more like a brief intraday spike or specific lender quote, not the national average most borrowers see. Rates are up a bit lately but still well below 7% and lower than a year ago.
I appreciate the response and I see what you’re saying. I guess I’m curious - after reading responses and commentary, how come She can’t be more straightforward about how the funds are held custody? Why not say something like ‘Your funds are custodies using X’ or something of the sorts.
My Bitcoin Market Synopsis:
You’re going to want to bookmark this.
*Not Investment Advice*
My base case remains that we are still in a bull market: we’ll recover from this dip over the coming week or two after briefly dipping below the 50-week SMA/EMA, then closing back above it by Sunday’s weekly close.
The bull market will extend at least into Q1 2026, but most likely longer and well into 2026, and it could even extend beyond that.
However, let’s look at the bear case.
A lot of the fear right now comes from people having PTSD from previous Bitcoin events like the FTX/Luna collapses, or from the recent mass liquidation events if they were holding altcoins.
Many people are scared under the false assumption that Bitcoin could easily drop by 50–80% like it has in past bear markets.
However, with the institutional bid and the market cap now comfortably over $1 trillion, Bitcoin is not the same asset.
The “it could go to zero” discount that existed in all previous bear markets has been completely removed. Bitcoin is now on the radar of essentially ALL the big money players in the world.
Without a major black swan catalyst, the odds of dropping below $70,000 (-45%) are extremely small, and a move to $80,000–$90,000 is much more likely if — and it’s a big if — the bull market is truly over, which I still don’t think it is.
So if we do enter a bear market from here, could you handle a period of time with Bitcoin ranging between $70,000 and $90,000?
In my view, we are not going back to $50,000–$60,000 without a significant black swan catalyst — a very low-probability event, just a few percent odds.
Either way, the ones who will win in the long term are the long-term-minded, stoic, set-it-and-forget-it-for-a-decade-or-longer, true Bitcoin investors — NOT the “let’s get cute with it” traders.
The big players are here, and the sophistication of short-term emotional manipulation and the trading game has increased in difficulty by an order of magnitude.
Anyone still playing that game had better be a pro.
If you got something out of this post, please share it.
— Plan C