Huy (BayArea)
@huysj74.bsky.social
Gen Xer | He/him | Married + 3 kids | Bay Area in California | Software engineer | Interested in personal finance, investment, and early retirement.
📈 I just bought 10-year 5.38% of FEDERAL HOME LOAN BANKS BOND (FHLB) on Fidelity.
▪︎ CUSIP: 3130B5CK2
▪︎ Coupon: 5.380
▪︎ Maturity Date: 03/06/2035
▪︎ First Call Date: 03/06/2026
The interests from FHLB "are exempt from state and local income tax."
👉 www.fhlb-of.com/ofweb_userWe...
▪︎ CUSIP: 3130B5CK2
▪︎ Coupon: 5.380
▪︎ Maturity Date: 03/06/2035
▪︎ First Call Date: 03/06/2026
The interests from FHLB "are exempt from state and local income tax."
👉 www.fhlb-of.com/ofweb_userWe...
February 26, 2025 at 3:43 PM
📈 I just bought 10-year 5.38% of FEDERAL HOME LOAN BANKS BOND (FHLB) on Fidelity.
▪︎ CUSIP: 3130B5CK2
▪︎ Coupon: 5.380
▪︎ Maturity Date: 03/06/2035
▪︎ First Call Date: 03/06/2026
The interests from FHLB "are exempt from state and local income tax."
👉 www.fhlb-of.com/ofweb_userWe...
▪︎ CUSIP: 3130B5CK2
▪︎ Coupon: 5.380
▪︎ Maturity Date: 03/06/2035
▪︎ First Call Date: 03/06/2026
The interests from FHLB "are exempt from state and local income tax."
👉 www.fhlb-of.com/ofweb_userWe...
📈 From my 1099-DIV form, it is nice to see that all dividends from $SCHD is taxed as qualified dividends with the maximum tax rate of 20%:
▪︎ Schwab U.S. Dividend Equity ETF ($SCHD):
👉 finance.yahoo.com/quote/SCHD/
▪︎ Schwab U.S. Dividend Equity ETF ($SCHD):
👉 finance.yahoo.com/quote/SCHD/
February 20, 2025 at 3:15 PM
📈 From my 1099-DIV form, it is nice to see that all dividends from $SCHD is taxed as qualified dividends with the maximum tax rate of 20%:
▪︎ Schwab U.S. Dividend Equity ETF ($SCHD):
👉 finance.yahoo.com/quote/SCHD/
▪︎ Schwab U.S. Dividend Equity ETF ($SCHD):
👉 finance.yahoo.com/quote/SCHD/
Walmart ($WMT) is down 6% in the early trading hours. This is a great company, in my opinions: finance.yahoo.com/quote/WMT/
February 20, 2025 at 2:55 PM
Walmart ($WMT) is down 6% in the early trading hours. This is a great company, in my opinions: finance.yahoo.com/quote/WMT/
📈 Fund Analyzer is great.
I compared these 3 ETFs to calculate the total cost paid from $1M investment over 10 years:
▪︎ $SCHD : Schwab U.S. Dividend Equity ETF
▪︎ $VOO : Vanguard S&P 500 ETF
▪︎ $XLK : The Technology Select Sector SPDR® Fund
👉 tools.finra.org/fund_analyze...
I compared these 3 ETFs to calculate the total cost paid from $1M investment over 10 years:
▪︎ $SCHD : Schwab U.S. Dividend Equity ETF
▪︎ $VOO : Vanguard S&P 500 ETF
▪︎ $XLK : The Technology Select Sector SPDR® Fund
👉 tools.finra.org/fund_analyze...
February 11, 2025 at 1:52 PM
📈 Fund Analyzer is great.
I compared these 3 ETFs to calculate the total cost paid from $1M investment over 10 years:
▪︎ $SCHD : Schwab U.S. Dividend Equity ETF
▪︎ $VOO : Vanguard S&P 500 ETF
▪︎ $XLK : The Technology Select Sector SPDR® Fund
👉 tools.finra.org/fund_analyze...
I compared these 3 ETFs to calculate the total cost paid from $1M investment over 10 years:
▪︎ $SCHD : Schwab U.S. Dividend Equity ETF
▪︎ $VOO : Vanguard S&P 500 ETF
▪︎ $XLK : The Technology Select Sector SPDR® Fund
👉 tools.finra.org/fund_analyze...
📈 Wow. I didn't know that Select Sector SPDR has recently lowered their expense ratios:
"On January 31, 2025, the total expense ratios for our Select Sector SPDR ETFs were reduced to 0.08%."
👉 www.ssga.com/us/en/indivi...
"On January 31, 2025, the total expense ratios for our Select Sector SPDR ETFs were reduced to 0.08%."
👉 www.ssga.com/us/en/indivi...
February 11, 2025 at 1:43 PM
📈 Wow. I didn't know that Select Sector SPDR has recently lowered their expense ratios:
"On January 31, 2025, the total expense ratios for our Select Sector SPDR ETFs were reduced to 0.08%."
👉 www.ssga.com/us/en/indivi...
"On January 31, 2025, the total expense ratios for our Select Sector SPDR ETFs were reduced to 0.08%."
👉 www.ssga.com/us/en/indivi...
📈 Bought more shares of Schwab U.S. Dividend Equity ETF ($SCHD) today.
👉 finance.yahoo.com/quote/SCHD/
This year, my investing plan is to focus more exchange-traded fund (ETF) instead of individual stocks.
#invest
👉 finance.yahoo.com/quote/SCHD/
This year, my investing plan is to focus more exchange-traded fund (ETF) instead of individual stocks.
#invest
February 6, 2025 at 3:17 PM
📈 Bought more shares of Schwab U.S. Dividend Equity ETF ($SCHD) today.
👉 finance.yahoo.com/quote/SCHD/
This year, my investing plan is to focus more exchange-traded fund (ETF) instead of individual stocks.
#invest
👉 finance.yahoo.com/quote/SCHD/
This year, my investing plan is to focus more exchange-traded fund (ETF) instead of individual stocks.
#invest
📈Bought more shares of $GOOGL this morning. This position is my largest individual stock (only after $VOO):
▪︎ (GuruFocus) "Alphabet Tumbles 8% Amid Slower Revenue Growth and Heavy AI Investment"
👉 finance.yahoo.com/news/alphabe...
▪︎ (GuruFocus) "Alphabet Tumbles 8% Amid Slower Revenue Growth and Heavy AI Investment"
👉 finance.yahoo.com/news/alphabe...
February 5, 2025 at 3:51 PM
📈Bought more shares of $GOOGL this morning. This position is my largest individual stock (only after $VOO):
▪︎ (GuruFocus) "Alphabet Tumbles 8% Amid Slower Revenue Growth and Heavy AI Investment"
👉 finance.yahoo.com/news/alphabe...
▪︎ (GuruFocus) "Alphabet Tumbles 8% Amid Slower Revenue Growth and Heavy AI Investment"
👉 finance.yahoo.com/news/alphabe...
(Yahoo Finance) "Job openings hit lowest level since September"
👉 finance.yahoo.com/news/job-ope...
👉 finance.yahoo.com/news/job-ope...
February 4, 2025 at 3:40 PM
(Yahoo Finance) "Job openings hit lowest level since September"
👉 finance.yahoo.com/news/job-ope...
👉 finance.yahoo.com/news/job-ope...
My wife has been busy preparing for Lunar (Vietnamese) New Year 😍
January 29, 2025 at 3:36 PM
My wife has been busy preparing for Lunar (Vietnamese) New Year 😍
📈 (Reuters) "RTX's quarterly profit rises on strong demand for aircraft parts, repair"
👉 finance.yahoo.com/news/rtxs-qu...
The shares of this aerospace and defense US company were up 5% in pre-market.
👉 finance.yahoo.com/news/rtxs-qu...
The shares of this aerospace and defense US company were up 5% in pre-market.
January 28, 2025 at 2:11 PM
📈 (Reuters) "RTX's quarterly profit rises on strong demand for aircraft parts, repair"
👉 finance.yahoo.com/news/rtxs-qu...
The shares of this aerospace and defense US company were up 5% in pre-market.
👉 finance.yahoo.com/news/rtxs-qu...
The shares of this aerospace and defense US company were up 5% in pre-market.
According to @washingtonpost.com :
"Flu overtakes covid as the major strain on hospitals during winter".
👉 Gift link: wapo.st/40O0FdJ
"Flu overtakes covid as the major strain on hospitals during winter".
👉 Gift link: wapo.st/40O0FdJ
January 25, 2025 at 4:05 PM
According to @washingtonpost.com :
"Flu overtakes covid as the major strain on hospitals during winter".
👉 Gift link: wapo.st/40O0FdJ
"Flu overtakes covid as the major strain on hospitals during winter".
👉 Gift link: wapo.st/40O0FdJ
📈 Speaking of investments I have that are in the red 🔻, here is The Kraft Heinz Company ($KHC):
👉 finance.yahoo.com/quote/KHC/
👉 finance.yahoo.com/quote/KHC/
January 21, 2025 at 12:59 PM
📈 Speaking of investments I have that are in the red 🔻, here is The Kraft Heinz Company ($KHC):
👉 finance.yahoo.com/quote/KHC/
👉 finance.yahoo.com/quote/KHC/
Summit Trail in Sedona, Arizona (Our family December 2024)
January 19, 2025 at 5:04 PM
Summit Trail in Sedona, Arizona (Our family December 2024)
📈Added more shares to my existing positions every month:
▪︎ $VOO, $MCD, $T, $PG, $JNJ, and $GM.
👉 Current portfolio: 30 individual stocks + 7 ETFs
▪︎ $VOO, $MCD, $T, $PG, $JNJ, and $GM.
👉 Current portfolio: 30 individual stocks + 7 ETFs
January 17, 2025 at 3:47 PM
📈Added more shares to my existing positions every month:
▪︎ $VOO, $MCD, $T, $PG, $JNJ, and $GM.
👉 Current portfolio: 30 individual stocks + 7 ETFs
▪︎ $VOO, $MCD, $T, $PG, $JNJ, and $GM.
👉 Current portfolio: 30 individual stocks + 7 ETFs
Daily Treasury Par Yield Curve Rates (Current Month):
👉 home.treasury.gov/resource-cen...
👉 home.treasury.gov/resource-cen...
January 16, 2025 at 12:47 PM
Daily Treasury Par Yield Curve Rates (Current Month):
👉 home.treasury.gov/resource-cen...
👉 home.treasury.gov/resource-cen...
My story of one nail:
👉 2 new tires (rear)
👉 $902 + $55 spent (tires + installation)
👉 $20 saved (no commute, WFH).
👉 TireRack and American's Tire => They are great 👍
👉 2 new tires (rear)
👉 $902 + $55 spent (tires + installation)
👉 $20 saved (no commute, WFH).
👉 TireRack and American's Tire => They are great 👍
January 16, 2025 at 12:39 PM
My story of one nail:
👉 2 new tires (rear)
👉 $902 + $55 spent (tires + installation)
👉 $20 saved (no commute, WFH).
👉 TireRack and American's Tire => They are great 👍
👉 2 new tires (rear)
👉 $902 + $55 spent (tires + installation)
👉 $20 saved (no commute, WFH).
👉 TireRack and American's Tire => They are great 👍
Thank you for sharing.
For new investors who use Fidelity, how would you compare your EDGE score of 75 with the 8.1 (out of 10) Analyst Ratings on Fidelity in which it states:
"This rating does some of the hard work for you by consolidating up to 8 independent firm opinions into a single rating."
For new investors who use Fidelity, how would you compare your EDGE score of 75 with the 8.1 (out of 10) Analyst Ratings on Fidelity in which it states:
"This rating does some of the hard work for you by consolidating up to 8 independent firm opinions into a single rating."
January 9, 2025 at 3:57 PM
Thank you for sharing.
For new investors who use Fidelity, how would you compare your EDGE score of 75 with the 8.1 (out of 10) Analyst Ratings on Fidelity in which it states:
"This rating does some of the hard work for you by consolidating up to 8 independent firm opinions into a single rating."
For new investors who use Fidelity, how would you compare your EDGE score of 75 with the 8.1 (out of 10) Analyst Ratings on Fidelity in which it states:
"This rating does some of the hard work for you by consolidating up to 8 independent firm opinions into a single rating."
📈Currently, my investment portfolio has 37 positions total:
▪︎ 30 individual stocks
▪︎ 7 exchange-traded funds (ETFs)
I will continue to reduce the number of holdings in the new year. The number of holdings, hopefully, will be under 30 by the end of 2025.
▪︎ 30 individual stocks
▪︎ 7 exchange-traded funds (ETFs)
I will continue to reduce the number of holdings in the new year. The number of holdings, hopefully, will be under 30 by the end of 2025.
January 9, 2025 at 3:48 PM
📈Currently, my investment portfolio has 37 positions total:
▪︎ 30 individual stocks
▪︎ 7 exchange-traded funds (ETFs)
I will continue to reduce the number of holdings in the new year. The number of holdings, hopefully, will be under 30 by the end of 2025.
▪︎ 30 individual stocks
▪︎ 7 exchange-traded funds (ETFs)
I will continue to reduce the number of holdings in the new year. The number of holdings, hopefully, will be under 30 by the end of 2025.
Antelope Canyon, Arizona in December 2024.
January 4, 2025 at 3:36 AM
Antelope Canyon, Arizona in December 2024.
I didn’t know that you could get a free parking at Crissy Field East Beach. From there, it is a short walk (30 minutes) to the Golden Gate Bridge.
December 23, 2024 at 6:43 PM
I didn’t know that you could get a free parking at Crissy Field East Beach. From there, it is a short walk (30 minutes) to the Golden Gate Bridge.
A friend is concerned about his $SCHD position going "straight down for like 15 days in a row". #invest
The way I see it is that the stock is "on-sale". I plan to even buy more $SCHD (compared to my current holding $VOO): www.schwabassetmanagement.com/products/schd
The way I see it is that the stock is "on-sale". I plan to even buy more $SCHD (compared to my current holding $VOO): www.schwabassetmanagement.com/products/schd
December 22, 2024 at 4:09 PM
A friend is concerned about his $SCHD position going "straight down for like 15 days in a row". #invest
The way I see it is that the stock is "on-sale". I plan to even buy more $SCHD (compared to my current holding $VOO): www.schwabassetmanagement.com/products/schd
The way I see it is that the stock is "on-sale". I plan to even buy more $SCHD (compared to my current holding $VOO): www.schwabassetmanagement.com/products/schd
📈Just bought 5 more shares of Vanguard S&P 500 ETF ($VOO). I have to admit that it is not easy to convince myself to keep buying the market given its all time high values.
👉 finance.yahoo.com/quote/VOO/
👉 finance.yahoo.com/quote/VOO/
December 16, 2024 at 4:08 PM
📈Just bought 5 more shares of Vanguard S&P 500 ETF ($VOO). I have to admit that it is not easy to convince myself to keep buying the market given its all time high values.
👉 finance.yahoo.com/quote/VOO/
👉 finance.yahoo.com/quote/VOO/
At my company's Holiday Party last night. Took us two hours to get to the city. Still, it was worth it because I don't know whether that may be my last one with any company 🥳.
December 14, 2024 at 2:09 PM
At my company's Holiday Party last night. Took us two hours to get to the city. Still, it was worth it because I don't know whether that may be my last one with any company 🥳.