Olivia's Boston --> Texas --> Stanford

Tuesday, August 19, 2025

Pottery -- 2025

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Pottery by Will and Olivia

Thrown and fired, June, 2025. Euless, TX.

Saturday, July 26, 2025

Olivia's Team At The Chavín Site In Peru Made The Reuter's News Earlier This Month -- July 26, 2025

In early 2025, Olivia saw a request for an engineering student to join this team on a message board. She wrote to John W. Rick and was selected to be the only engineer on his team this year.

Link here.

Background:

Wednesday, February 26, 2025

Antique (?) Panasonic AM-FM Radio -- From Great-Grandmother Ruth -- For Olivia's Antique Museum -- February 26, 2025

Link here: https://www.youtube.com/watch?v=uGm1zoYSnmY.

From AI:

Monday, February 24, 2025

Comparing VFIAX With VFIFX -- How To Compare Different Ticker Symbols

How to compare different stocks or different funds.

In google (or the URL line): type in ticker vfiax

You will get this:

At the upper right corner of that screen shot above, note the box compare, as below, at the #1 arrow. Click on the compare icon, and then you will get the screenshot below. At the #2 arrow, type in FVIFX.

Type in VFIFX in the box designated with the #2 arrow like this:

And hit return after you type in VFIFX.

You will get this:

Note that it compares VFIAX with VFIFX for the past three months.

You can click on any time period to compare. If you click on max, you will get this:

The difference is not trivial.

With the more conservative VFIFX, you get a 100% return, or you doubled your money over the past sixteen years (2008 to 2024).

On the other hand, with the more aggressive VFIAX (Admiral), you get a return of nearly 400%, which it means it doubled three times (?) in that same time period.

The red and blue lines start to separate as the lines move to the right, because the life cycle funds increase bond holdings as you get older, decreasing the volatility and the risk, but also potentially decreasing return. The theory is that when you are getting ready to retire you want to have a more conservative fund so you don't have wild swings from year-to-year.

We can discuss what this means at later.

One option: diversify. That's what I did.

This year invest in the life cycle fund, VFIFX.

Then next year invest in the more aggressive fund, the VFIAX (Admiral).

Then starting in your third year, fund both IRAs up to the max allowed and change allocations over time as you feel more comfortable with investing.

Wednesday, February 19, 2025

A Roth IRA -- February 19, 2025

Olivia's 2024, W-2 statement: earnings, $XXXXX.

For Olivia, my recommendation: Vanguard Admiral shares.

Link: https://investor.vanguard.com/investment-products/mutual-funds/profile/vfiax.

Ticker symbol: VFIAX.

Balanced, large equity fund.

Minimum: $3,000 to open. Olivia earned more than enough to open a Vanguard Roth IRA.

Papa will send you a check to fully fund this Roth IRA. With some left over. Insert smile here.

Top ten holdings:

You can type in "ticker vfiax" in the Google search box and this will pop up:

How to remember the ticker symbol:

Vanguard Fund Index Admiral Mutual Fund
All mutual fund ticker symbols are five letters long.
The fifth letter is always an "X" to designate it's a "mutual fund."
The first four letters are unique to the fund.

So, Vanguard Fund Index Admiral - VFIA .... and then VFIAX.
Lower case / upper case does not matter when typing in the URL/google search.

So, again, type in: ticker vfiax.
Also interestingly enough, you don't even have to type in that much. You can simply type in vfiax.