If anyone is lazy and just wants the game for free - and it’s a pretty good game - here’s a code.

Please respond when you’ve redeemed it so others don’t try without success.

4TPR7-Q29G4-IW32M

Got my $80 gift card yesterday. Looks like they sent them all out at the same time.

Make sure to use their “Will my device work?” function.

I’m on Sprint and have a Sprint SIM. My device is definitely unlocked - I bought it outright - and yet it says my phone doesn’t qualify.

It’s an iPhone 6s in case it matters.

Abombinabull

Just tried it and it worked. Easy as pie. You’ll need to log in of course.

Thanks @ctujackbauer

$1.25 off
TP98V3LW
Expires 5/13 at 11:59pm

If you decide to go 100% stocks, just know that the maximum (reasonably conservative) decline you can expect at any one point in time is probably around 50%.

Is that likely? Not at all. Is it feasible? Indeed.

People love investing in all stocks until the market turns, they lose 20-25% in value (a VERY real outcome) and then they sell because they “can’t afford to lose any more”.

If you can honestly say you’d hold tight under losing 30% or 35% of the portfolio, have at a 100% stock position.

Otherwise, consider adding a significant dollop of bonds.

** Disclaimer: IANA RIA, and I’m certainly not your RIA. Stocks could go up 50% this year, down 60%, anywhere in between, or more or less.

Ha, I can’t tell if this will be awesome or cringeworthy. Either way, it’s worth a watch.

I just went to look up the results for Vanguard Healthcare.

Congrats to whoever invested in them for the past 20 years - the annualized return has been a whopping 16%(!!!) over the past 30 years.

The problem is that once everyone realizes this and piles in, it gets much harder to maintain.

The 1 year return is 2 points behind a much-lower risk index.

Vanguard’s fund description:

"For more than 25 years, this actively managed fund has offered investors low-cost exposure to domestic and foreign companies involved in various aspects of the health care industry, such as pharmaceutical firms, medical supply companies, and research firms. The fund tends to be more geographically diverse and exhibit lower turnover than other health care funds. Still, one risk to note is the fund’s narrow scope, investing solely within the health care sector. Returns may vary widely from year to year, so this fund should be considered complementary to an already diversified portfolio with a long-term time horizon.

I am not an RIA.

He has two investments, neither of which is really suitable. Money Market is too conservative for a 10 year investment. Health Care is too aggressive - he’s betting on one segment (that has done exceptionally well historically) to continue to do so. Ask those who invested in Fidelity Japan how that worked out back in the 90s.

My belief is that he should be in a 40/60 split of Vanguard Total Market and Vanguard Total Bond. Risk tolerance is a big factor here - if he can handle the potential that he could lose a little money over 10 years vs. a much more likely strong gain, then he could nudge that to 50/50 or even 60/40. But the higher than ratio, the higher the risk.

Today, the risk is absurdly high.

Also, note that since you mentioned that funds would be invested outside of retirement accounts that Vanguard Total Stock Market is highly tax efficient. I don’t invest in bonds outside of my retirement account, so he’d have to do a little leg work to see what his net tax rate would be on the bond portion. If it’s high, he should look at the Tax-Managed or Municipal bond offerings, although those have a bit of concentration risk as well.

Hope this helps.

Credentials: 10+ years as a Chief Financial Officer. MBA from top 25 school (graduating # 1… hooray me!). Lots and lots and lots of time explaining to people why their investments don’t match their risk profile & goals.