Pension performance

Rattusnorvegicus

Cus said:

Rattusnorvegicus said:

Well QQQ is 2.5x the value 5 years ago (250%). So probably worth using that as a benchmark to compare your portfolios to... I hold EQQQ, its my ETF of choice.

Isn't 2.5x the value equal to 150% growth?

I was artificially boosting the percentage by posting "value" rather than growth.

Growth doesnt really bother me, only the value of it when i come to drawdown.

Bostonerimus1

Rattusnorvegicus said:

Cus said:

Rattusnorvegicus said:

Well QQQ is 2.5x the value 5 years ago (250%). So probably worth using that as a benchmark to compare your portfolios to... I hold EQQQ, its my ETF of choice.

Isn't 2.5x the value equal to 150% growth?

I was artificially boosting the percentage by posting "value" rather than growth.

Growth doesnt really bother me, only the value of it when i come to drawdown.

EQQQ has had great growth over the last 5 years, but as others have mentioned it's performance has been very up and down over other periods. If you are looking for retirement income my inclination would be to combine a secure source of base income with equity investments, particularly if they are as volatile as EQQQ.

Rattusnorvegicus

Bostonerimus1 said:

Rattusnorvegicus said:

Cus said:

Rattusnorvegicus said:

Well QQQ is 2.5x the value 5 years ago (250%). So probably worth using that as a benchmark to compare your portfolios to... I hold EQQQ, its my ETF of choice.

Isn't 2.5x the value equal to 150% growth?

I was artificially boosting the percentage by posting "value" rather than growth.

Growth doesnt really bother me, only the value of it when i come to drawdown.

EQQQ has had great growth over the last 5 years, but as others have mentioned it's performance has been very up and down over other periods. If you are looking for retirement income my inclination would be to combine a secure source of base income with equity investments, particularly if they are as volatile as EQQQ.

I'm a day trader/pattern trader, so volatility is great for me using bracket orders. I'm competent with SQQQ, and TQQQ, not something i'd recommend unless someones a practiced trader.

I appreciate the input however, but i'll go with my own risk/reward model.

Bostonerimus1

Rattusnorvegicus said:

Bostonerimus1 said:

Rattusnorvegicus said:

Cus said:

Rattusnorvegicus said:

Well QQQ is 2.5x the value 5 years ago (250%). So probably worth using that as a benchmark to compare your portfolios to... I hold EQQQ, its my ETF of choice.

Isn't 2.5x the value equal to 150% growth?

I was artificially boosting the percentage by posting "value" rather than growth.

Growth doesnt really bother me, only the value of it when i come to drawdown.

EQQQ has had great growth over the last 5 years, but as others have mentioned it's performance has been very up and down over other periods. If you are looking for retirement income my inclination would be to combine a secure source of base income with equity investments, particularly if they are as volatile as EQQQ.

I'm a day trader/pattern trader, so volatility is great for me using bracket orders. I'm competent with SQQQ, and TQQQ, not something i'd recommend unless someones a practiced trader.

I appreciate the input however, but i'll go with my own risk/reward model.

Yep, I can’t offer you any advice.

kinger101

I don't see how advocating high risk strategies answers the OP's question.  It rather just looks like showing off.

Rattusnorvegicus

kinger101 said:

I don't see how advocating high risk strategies answers the OP's question.  It rather just looks like showing off.

Read the first post reply to the OP. https://www.morningstar.com/etfs/xnas/qqq/risk

QQQ is above average risk, not high risk. Its well known that long term pension holding (30+years), mitigate some of that risk, as the ETF has time ro recover.from any financial crash barring any fundamental shift in the market.

As such a minority percentage hold in a portfolio can boost the overall performance of the portfolio while not adversely causing excessive risk.

Concerned members of the forum correctly pointed out my risk appetite looks at first sight higher than recommended for the basic investor, which is entirely true from a first glance but i'm happy with 1.35-1.5x risk over a baseliine all-world ETF. Knowing how to manage risk correctly is important. My response had nothing to do with "showing off", but demonstrated a capcity to utilize complex financial insturments happily.

Constructive feedback of the kind that was provided is always helpful, in that i re-evaluated my models, which i am still happy with as i progress towards a future drawdown date. Cheap pops like "It rather looks like showing off" is just pathetic. A good investor should always re-evaluate a plan or model, in the current financial market. There is no reason QQQ cant be part of a balanced portfolio, since risk management should be applied to any portfolio or investment.

But if you want to pass cheap shots rather than add something constructive, you do you.

Hoenir

Rattusnorvegicus said:

kinger101 said:

I don't see how advocating high risk strategies answers the OP's question.  It rather just looks like showing off.

 Its well known that long term pension holding (30+years), mitigate some of that risk, as the ETF has time ro recover.from any financial crash barring any fundamental shift in the market.

More recently there's been posting of long term charts to support the buying of certain markets now. Dig beneath the surface. Soon becomes apparent there's no proper understanding of "why" .  Hindsight investing has no predictive powers. 

Rattusnorvegicus

Hoenir said:

Rattusnorvegicus said:

kinger101 said:

I don't see how advocating high risk strategies answers the OP's question.  It rather just looks like showing off.

 Its well known that long term pension holding (30+years), mitigate some of that risk, as the ETF has time ro recover.from any financial crash barring any fundamental shift in the market.

More recently there's been posting of long term charts to support the buying of certain markets now. Dig beneath the surface. Soon becomes apparent there's no proper understanding of "why" .  Hindsight investing has no predictive powers. 

I entirely agree. My models are based on the future drawdown date of my pension, the inability of the us population to unionise, us population growth, us economic cycles, and many other us-based factors going forwards.

I'm just an advocate for financial knowledge, an understanding of risk vs reward, and a considered evaluation based approach to investing, so if someone digs deeper into investing as a subject, i view that as a good thing.

kinger101

And what was the context behind posting SQQQ and TQQQ?  This is what I was referring to.

Albermarle

Concerned members of the forum correctly pointed out my risk appetite looks at first sight higher than recommended for the basic investor, which is entirely true from a first glance but i'm happy with 1.35-1.5x risk over a baseliine all-world ETF

Probably worth noting that away from investment forums, most 'basic investors' tend to go for medium risk 60/40 type investments. So in that context even a global equity index fund is too high risk for the average punter, who would be too nervous to contemplate a potential 40% loss.