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The week's question
In March 2025, in the thread "Re: OT, out", Umm asked the members: "Do you think it is because America is made up of magical soil that makes businesses based in America magically profitable?" This week it is put to everyone again. The button below opens the small thread re-asking it - read what others have said so far, then give your own answer as an ordinary reply.
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Investment Strategies / Mechanical Investing
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Author: rayvt ✧☼🐝🐝  😊 😞
Number: of 6243 
Subject: Re: What constitutes success?
Date: 04/16/24 9:15 AM
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No. of Recommendations: 7
do I have a better than 50-50 expectation that I can beat SPY by using MI screens? As long as I think I do, and have fun doing it, I'll keep doing it. Nothing else matters.

and

a smooth ride won't get you any higher standard of living the day you retire: only the portfolio balance matters. ... stick with the strategy which will ultimately in real life get you the highest CAGR

I believe that Elan is retired. I am retired. (I think we both retired much younger than the typical 65.) Jim, if not already functionally retired, could retire at whim.

Once retired, the main thing is having a portfolio large enough to easily tolerate Bengan's 4% (now revised to 4.5% - 5%) SWR withdrawals.

If it is large enough that your withdrawals get down to below 4%, you are golden. At that point, your focus can shift to HAVING FUN. The smoothness or bumpiness of the ride does not matter.

A FI asked me why we were nearly 100% stocks and literally 0.0% bonds when our portfolio had already "won the game". You know, “When you've won the game, stop playing.” We said back, "No, now we are running up the score. No reason to quit."
Quit would be boring. Running--or attempted running--up the score is fun!
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This community has written 6,227 posts about Mechanical Investing. The article-length ones it recommended most:
Dividend investing · 52 recs · 2025
Non-Mag7 screen · 34 recs · 2025
OT - Div yields and returns · 32 recs · 2024
Using AI to generate backtesting programs · 30 recs · 2025
Rankings for 19Dec2022 · 29 recs · 2022
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