Charm, speed, and wit are not my strengths; my greatest assets are rationality, reliability, and perseverance. Knowing there’s much I don’t know, I pursue a balanced approach.

Understanding myself and prioritizing my health, I focus not on short-term “optimal” performance but on “sustainable” long-term returns.

US vs. Rest of the World:

I allocate one-third of my investments in US stocks and two-thirds in Taiwan real estate.

Stocks vs. Real Estate:

One-third in stocks (100% US) and two-thirds in real estate (100% Taiwan).

Concentrated vs. Diversified Stock Picking:

I hold one-third in BRK.B and two-thirds in VOO (Vanguard S&P 500 ETF), delegating stock picking to Warren Buffett and betting on the US over global markets.

Plans under consideration include:

1. Shifting to a 50–50 split between the US and Taiwan for both investment and personal reasons.
2. Though I don’t believe in timing the market, I am cautious of the S&P 500’s high PE ratio. I keep over 20% in cash, waiting for a market dip to buy cheap stocks.
3. To complement Buffett’s concentrated approach, I may allocate some of my VOO holdings to GVLU for diversified, mechanical value investing, though I’m kind of hesitate about GVLU’s 0.5% operating expenses is considerably higher than my hero, Bogle’s VOO at 0.03%.

Simple strategies demand discipline, perseverance, and patience, which is why they are not easy to to apply for the long run.