CRE
Cre8 Enterprise Limited Class A
stock NASDAQ

Hey guys,
Looking for a quick sanity check on my long-term taxable brokerage portfolio. Aiming for aggressive growth over the next 10–15 years using a core + factor tilt strategy. All rebalancing will be done strictly through new cash inflows.
**Background / Context:**
* 31M, married w/ a newborn, solid income, zero debt, don't own a primary home.
* \~$500k stock portfolio.
* \~$500k in commercial real estate (CRE) generating solid passive monthly cash flow.
**The Breakdown:**
* **VOO (45%)**
* **SPMO (25%)**
* **AVUV (15%)**
* **VXUS (10%)**
* **SCHD (5%)**
**Questions for the sub:**
1. Cut SCHD entirely?
2. Bump up or drop VXUS?
3. Too much overlap / complexity?
Appreciate any brutal honesty or tweaks!

Have you looked at CRE at all? Hospitality might be worth adding to the comparison. A hotel is basically an operating business sitting on top of real estate, so the investment thesis can be pretty different from either a dividend stock or a pure growth stock. The interesting part is figuring out whether the added complexity is worth it.

The answer is zero. Collateral... pristine collateral is hard to come by. AI companies are using depreciating chips as collateral to raise more money, what could go wrong there? Banks are pretending their CRE and regular loans are still good.... what could go wrong? Private equity binged upon cheap debt, now it is not so cheap and are gating the exits.

Do you have collateral when all of this goes belly up? The debtor countries are being forced to pay more and more to get "stuff". Pretty soon they will want real things to acquire real things.
The goons in Washington (FINALLY) understand this and is why they are acting the way they have the last 8 years. Hamiltonian policies mean a return to a need for collateral. Learn to grow stuff, and be as self sufficient as possible, you are going to need it.

Hey guys,
Looking for a quick sanity check on my long-term taxable brokerage portfolio. Aiming for aggressive growth over the next 10–15 years using a core + factor tilt strategy. All rebalancing will be done strictly through new cash inflows.
**Background / Context:**
* 31M, married w/ a newborn, solid income, zero debt, don't own a primary home.
* \~$500k stock portfolio.
* \~$500k in commercial real estate (CRE) generating solid passive monthly cash flow.
**The Breakdown:**
* **VOO (45%)**
* **SPMO (25%)**
* **AVUV (15%)**
* **VXUS (10%)**
* **SCHD (5%)**
**Questions for the sub:**
1. Cut SCHD entirely?
2. Bump up or drop VXUS?
3. Too much overlap / complexity?
Appreciate any brutal honesty or tweaks!

Have you looked at CRE at all? Hospitality might be worth adding to the comparison. A hotel is basically an operating business sitting on top of real estate, so the investment thesis can be pretty different from either a dividend stock or a pure growth stock. The interesting part is figuring out whether the added complexity is worth it.

The answer is zero. Collateral... pristine collateral is hard to come by. AI companies are using depreciating chips as collateral to raise more money, what could go wrong there? Banks are pretending their CRE and regular loans are still good.... what could go wrong? Private equity binged upon cheap debt, now it is not so cheap and are gating the exits.

Do you have collateral when all of this goes belly up? The debtor countries are being forced to pay more and more to get "stuff". Pretty soon they will want real things to acquire real things.
The goons in Washington (FINALLY) understand this and is why they are acting the way they have the last 8 years. Hamiltonian policies mean a return to a need for collateral. Learn to grow stuff, and be as self sufficient as possible, you are going to need it.