I don’t, I only kind of know who he is. My comment was more of a joke. I don’t think one guy can shift a market.
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What duration are you getting?
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I'm shooting for 5 years. I can still find those pretty consistently through Fidelity. The 10 year ones are down to 4.5 or 4.75, which actually is still good if you're retiring and think inflation is headed to 2.9 again. But10 year terms are hard to find.

I've got some shorter term ones as well that are a little higher, but I'd rather get 5 or 10 year. Lesson learned: don't buy JP Morgan CDs. They'll offer high rates and then will call them on you.

These rates probably aren't good for anyone under 55, but they're great for the 60+ crowd.
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6 months ago I put most of my assets in S&P funds and I think that’s gonna be the long term plan. Listen to Warren Buffett. S&P will always go up and if it doesn’t then everybody is ****ed.

I have FZROX which has no expense ratio. It’s free. It’s performed great.
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I bought into some travel stocks back in 2021 hoping for a nice rebound. To date, they’ve been hit or miss. As others have noted, Royal Caribbean has crushed it but Carnival is lagging. Same deal with airlines- I’ve got a couple that are up and a couple that are still down three years later. Not sure what to make of it all.
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minor correction:


FZROX is not an S&P 500 fund, its a total market fund (it has small and mid caps) so its not quite the same as investing in the S&P500


here's a 10 year chart of FZROX vs the S&P 500 https://seekingalpha.com/symbol/FZRO...ic=priceReturn


if youre trying to specifically invest in the S&P 500 and mimic the perforfance of the S&P 500 then things like SPY or VOO etc are what youre going to want to look at.
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I've got a little LUV and it's languished for a long time. I'm debating moving on from it, but haven't found the strength to do so yet. I like their business model.
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No fees at all? That's intriguing. I hate paying fees, and would like some broad market exposure.
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SCHB has made up the bulk of my brokerage portfolio for years. (My retirement accounts are largely in target date index funds.)
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Yeah, I bought quite a bit of LUV and AAL at the beginning of COVID with hopes of a substantial rebound when it was all over. I sold them both last month for relatively no gain or loss at all.
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many etf have very low fees.

people have different opinions but one of my favorites is VOO with only 0.03% fees. not zero but very close and has historically been one of the best investments long term to just forget about.


I think the total market are great too.

To keep it simple depending on age and portfolio amount 25% each in total market, s&p 500, nasdaq & some other fund you like wouldn't be bad.

lots of ways to skin a cat but you really can't go wrong with zero/low cost s&p, nasdaq and total market funds for simplicity
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Exactly why I bought into JetBlue. I don’t like flying or travel in general but everytime I’ve flown JetBlue, I’ve REALLY enjoyed my experience compared to other airlines.

Also, forgive me if I already asked and we discussed this recently, but with HYSA interest rates being so high at the moment, have you dabbled in any of those in lieu of parking that cash in a CD? I’ve been using CapitalOne’s HYSA and getting 4.3%. Admittedly, I could have found others at 5%+ but went with CapOne because of familiarity.

I just wonder what are the pros to going CD over HYSA at a time like this.
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For my S&P 500 I use VOO for brokerage and IRA, and FXAIX within my workplace savings. I keep those separate from my, hey I think I’m a good trader play funds. That way I get to see how shit I am against the market.
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Oddly, I have never flown JetBlue. I think they have some flights out of Denver, or at least they used to. I was interested in trying them, but it's never worked out.

I've parked a little money in a HYSA at my local bank for cash that I need relatively soon. Or maybe not. It's called a "timed deposit account". I don't know if that's the same thing or not.
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As low-cost carriers go, I like JetBlue. But yeah, about the only routes they have out of Denver are Boston and NYC, so it's a pretty limited use case for me.
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