Search found 4657 matches

by Fallible
Wed Aug 26, 2015 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Dipping into the emergency fund for rebalancing purposes during market downturns?
Replies: 29
Views: 3282

Re: Dipping into the emergency fund for rebalancing purposes during market downturns?

... I do realize that my question leans towards 'timing the market', but given the recent bout of market volatility, (and without claiming to know when the bottom will happen, or what will go up/down in the next hour) - it seems a good time to rebalance... I also realize it is a slippery slope - wh...
by Fallible
Wed Aug 26, 2015 12:55 pm
Forum: Investing - Theory, News & General
Topic: Anybody questioning use of an advisor at this volatile time?
Replies: 19
Views: 2016

Re: Anybody questioning use of an advisor at this volatile time?

One role of an advisor is simply to prevent us from making emotion based behavioral mistakes at times like this. Myself, I think I'm quite disciplined with investing. Nonetheless, I use an advisor and have found that there has been some psychological benefit to the additional roadblock between me a...
by Fallible
Tue Aug 25, 2015 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor?
Replies: 7
Views: 545

Re: Financial Advisor?

Welcome to the forum! Whether you need a financial advisor or not, you will need to begin learning about investing. The more you learn, the better chance you have of finding the right advisor or investing on your own. In addition to the wiki's "Getting Started" section and reading "Th...
by Fallible
Tue Aug 25, 2015 3:47 pm
Forum: Investing - Theory, News & General
Topic: A Voice of Reason in the Mainstream Press
Replies: 19
Views: 2578

Re: A Voice of Reason in the Mainstream Press

Very good article, but will the average investors it's mainly about, i.e., the investors who will not only watch CNBC and other venues of daily stock market doings, but also act on them, read it and understand it's about them? Some maybe, but probably not many. Still, if it helps some break the shor...
by Fallible
Tue Aug 25, 2015 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Should I buy individual stocks or stock funds
Replies: 9
Views: 721

Re: Should I buy individual stocks or stock funds

With this 2k point decline in the DOW, should I be looking to add any individual stocks to my portfolio? I'm talking about good name stocks with good dividends like AT&T or Pfizer, or should I just stick with total stock market funds to reduce risk/volatility? I know the total market funds are ...
by Fallible
Mon Aug 24, 2015 7:27 pm
Forum: Investing - Theory, News & General
Topic: Megan McArdle, Boglehead
Replies: 6
Views: 1123

Re: Megan McArdle, Boglehead

Good article and I like the last graf referring to indexing as a "herd strategy." As more investors move into indexing, I've been thinking we may need to reconsider herd behavior as being entirely negative.
by Fallible
Mon Aug 24, 2015 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: 2008 all over again...
Replies: 25
Views: 3925

Re: 2008 all over again...

So if we were 100% sure that stocks were going to crash for 18 month would we move our $ to another asset class? I think the answer is pretty obvious :confused Not that obvious... In general, we could guess what most people would do. But what would YOU do. What is your current AA and how would you ...
by Fallible
Mon Aug 24, 2015 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Dealing with a sell off as a young investor
Replies: 13
Views: 1247

Re: Dealing with a sell off as a young investor

I'm an unexperienced, untested investor. In fact, having started to invest in 2011, I'm experiencing the biggest loss my portfolio has endured so far (several tens of thousands) (50% of my stocks are international). The market may keep going down, and we may end up in a bear market, or we may not. ...
by Fallible
Mon Aug 24, 2015 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: What to do now with market crash?
Replies: 56
Views: 7589

Re: What to do now with market crash?

Why isn't there a bolded, large-font sticky at the top of the forum titled "READ HERE IF YOU'RE NEW TO THE BOARD AND WANT ADVICE ON INDIVIDUAL STOCKS/CRASHES/MARKET TIMING/INVESTING STRATEGIES" Then it should explain IPS, indexing, how hard it is to be consistent in market timing, and sta...
by Fallible
Mon Aug 24, 2015 2:19 pm
Forum: Investing - Theory, News & General
Topic: "There’s No Need to Fear Stock Market Corrections"
Replies: 15
Views: 2598

Re: "There’s No Need to Fear Stock Market Corrections"

"The only thing we have to Fear,...Is Fear itself ." FDR, 1941 . Over the years, since about 1983 when the DOW dropped about 500 points, I Have kept track of my reactions to both Greed and Fear . Fear, for me, has been a much more emotional roller coaster ride in the markets and I committ...
by Fallible
Mon Aug 24, 2015 2:10 pm
Forum: Investing - Theory, News & General
Topic: Book Recs for Historical Bears
Replies: 11
Views: 591

Re: Book Recs for Historical Bears

Not sure if this is what you're looking for, but William Bernstein's "History of Investing," in his book,"The Four Pillars of Investing'" is excellent. He says "the investor who is unaware of financial history is irretrievably handicapped." And when you're done with the...
by Fallible
Mon Aug 24, 2015 12:37 pm
Forum: Investing - Theory, News & General
Topic: "FEAR" Is Here,...
Replies: 53
Views: 6937

Re: "FEAR" Is Here,...

There are books and blogs aplenty, hundreds at least, both current and going back decades, that can explain what is happening in the market and, more important, the fear, confusion, and panic being felt and expressed on the forum. Among the best of them, "The Bogleheads' Guide to Investing,&quo...
by Fallible
Mon Aug 24, 2015 12:13 pm
Forum: Investing - Theory, News & General
Topic: "There’s No Need to Fear Stock Market Corrections"
Replies: 15
Views: 2598

Re: "There’s No Need to Fear Stock Market Corrections"

"The only thing we have to Fear,...Is Fear itself ." FDR, 1941 . Over the years, since about 1983 when the DOW dropped about 500 points, I Have kept track of my reactions to both Greed and Fear . Fear, for me, has been a much more emotional roller coaster ride in the markets and I committ...
by Fallible
Mon Aug 24, 2015 12:00 pm
Forum: Investing - Theory, News & General
Topic: New Investors - First Correction?
Replies: 45
Views: 4049

Re: New Investors - First Correction?

So a little bit of a story about me. I started saving and investing 4 years ago. After doing many stupid things with my money a few months ago I pulled all of my sector funds, individual stocks, etc and parked them in cash while consuming the content on this forum, the boglehead wiki, and a few oth...
by Fallible
Mon Aug 24, 2015 10:31 am
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 220
Views: 25600

Re: What was the 2008 crash like in real time?

Finally finished reading every story posted here. At 28 years old, I'm lucky to have access to history and people willing to share their personal experiences. I am staying at my 90/10 AA because I now believe that Bogleheads will keep me calm and rational during any future market crashes. I will ig...
by Fallible
Sun Aug 23, 2015 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Books to help a couple working out a budget
Replies: 38
Views: 2573

Re: Books to help a couple working out a budget

I'm not sure I fully understand your situation or exactly what you need, but I know you Will do well with the classic personal finance book, "Making The Most of Your Money Now" by Jane Bryant Quinn. It's a reference book to be used for the long haul. I also second the Tobias book recommend...
by Fallible
Sun Aug 23, 2015 8:10 pm
Forum: Investing - Theory, News & General
Topic: "Five Things Investor's Shouldn't Do Now"
Replies: 6
Views: 1522

Re: "Five Things Investor's Shouldn't Do Now"

I thought he did a nice job, and very timely. It's something Jonathan Clements would write--but he's no longer with WSJ (again). From Clements's web site, first article up and I imagine there will be more: http://www.jonathanclements.com/ Also, a helpful one from the NYT: http://www.nytimes.com/201...
by Fallible
Sun Aug 23, 2015 4:01 pm
Forum: Investing - Theory, News & General
Topic: Where are you in the cycle of market emotions?
Replies: 63
Views: 5523

Re: Where are you in the cycle of market emotions?

gkaplan asks: " Is "meh" an emotion?" I don't think so. But it sure is an appropriate response! ;-) Lev +1 Indifference. Is ignorance an emotion, because I've not been paying attention, really. ... Per dictionary definitions, meh can express indifference, which would seem emotio...
by Fallible
Sun Aug 23, 2015 3:05 pm
Forum: Investing - Theory, News & General
Topic: Getting out of your comfort zone
Replies: 21
Views: 2410

Re: Getting out of your comfort zone

Not sure that applies to investing if one buys into low cost index funds, buy and hold, stay the course. ... I was thinking the same since comfort zone usually refers to those who stay in it when they should be leaving it at times to brave some discomfort and try new experiences to learn and grow. ...
by Fallible
Sat Aug 22, 2015 10:14 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1049
Views: 177822

Re: What Movie Have You Recently Watched?

Last night, on Netflix, I watched Casting By . Interviews with Martin Scorsese, Woody Allen, Glenn Close, Al Pacino and others look at how casting directors have shaped the direction of Hollywood over the last fifty years. The 2012 documentary, directed by Tom Donahue, emphasizes the special role p...
by Fallible
Sat Aug 22, 2015 1:07 pm
Forum: Investing - Theory, News & General
Topic: How long will you"Stay the Course"?
Replies: 99
Views: 8674

Re: How long will you"Stay the Course"?

What combination of duration and drop in the market might break your resolve? 20%/two months?, 20%/two years, 40%/four months?,40%/four years?, or whatever. It is possible since there is a surplus of capacity/labor and a scarcity of jobs. These, of course, are the questions to ask BEFORE a market d...
by Fallible
Sat Aug 22, 2015 12:39 pm
Forum: Investing - Theory, News & General
Topic: Good time for 50/50 portfolio Bonds/Equities?
Replies: 85
Views: 9133

Re: Good time for 50/50 portfolio Bonds/Equities?

I know, it's Market Timing. I currently have 67/33 stocks/bonds, but might feel more peace with a 50/50 allocation during this time where it seems equities have reached their peak after 5 years of excellence. Is it wrong to change your AA during this volatile time ?? It appears to be a safe place t...
by Fallible
Sat Aug 22, 2015 12:13 pm
Forum: Investing - Theory, News & General
Topic: Deciding allocation for new investments during a market correction or possibly a Bear market
Replies: 17
Views: 935

Re: Deciding allocation for new investments during a market correction or possibly a Bear market

I have read John Bogle for a while and I am convinced that you cannot beat the market by buying and selling stocks your existing portfolio during up and down markets. Can you just buy the inverse portfolio during a market correction? My investment conditions are that I must invest 10% of my salary ...
by Fallible
Fri Aug 21, 2015 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell a fund that just went red?
Replies: 9
Views: 1099

Re: Should I sell a fund that just went red?

About 15% of my holdings are in VTIAX (International Index fund). My VTIAX holdings went down today and crossed into red but just by $1k. I'm tempted to sell it now and harvest the tax loss and sit tight for a little bit. Any thoughts? This is market timing, in this case selling based not on your a...
by Fallible
Fri Aug 21, 2015 11:26 am
Forum: Investing - Help with Personal Investments
Topic: New to investing: Investing with friend
Replies: 56
Views: 2529

Re: New to investing: Investing with friend

I appreciate all of your responses. As I said in the original post, I am brand new to this and am completely ignorant to investing. ... Good news! You are no longer "brand new ... and completely ignorant to investing." Having used good sense to ask good questions, you now know one of the ...
by Fallible
Thu Aug 20, 2015 8:04 pm
Forum: Investing - Theory, News & General
Topic: some nice Warren Buffett words of wisdom
Replies: 3
Views: 701

Re: some nice Warren Buffett words of wisdom

I thought this was worth sharing. I hope the link works. http://www.marketwatch.com/story/the-genius-of-warren-buffett-in-23-quotes-2015-08-19 Stay calm BH'ers. We are seeing a nice opportunity right now if you are long term oriented and can stay focused. I was wondering why you said we should stay...
by Fallible
Thu Aug 20, 2015 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing: Investing with friend
Replies: 56
Views: 2529

Re: New to investing: Investing with friend

Setting aside for the moment the eye-popping expenses and fees you would face, consider how much more difficult it could be if you later wanted to leave your friend for a less expensive firm or decide to do invest on your own. We see this predicament fairly often on the forum and here is one example...
by Fallible
Thu Aug 20, 2015 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help Starting Out
Replies: 6
Views: 404

Re: Need Help Starting Out

Welcome! Your "rational brain" is working quite well for you and your post is excellent. There have been many threads on military investing and here is one that may be especially helpful:
viewtopic.php?t=48901
by Fallible
Wed Aug 19, 2015 7:21 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 970
Views: 191815

Re: What Book Are You Currently Reading? Part VI

Hello - first official post! I'm excited to be here. Currently reading Dead Wake: The Last Crossing of the Lusitania by Erik Larson. Welcome to the forum :) . I read that too, it's a very good book in my opinion. Also read and liked it, but was surprised that much of what was new and memorable for ...
by Fallible
Wed Aug 19, 2015 4:08 pm
Forum: Investing - Theory, News & General
Topic: Greenspan: we've got a bond bubble, Houston
Replies: 71
Views: 6214

Re: Greenspan: we've got a bond bubble, Houston

Did Greenspan actually say, in a direct quote, that "we've got a bond bubble."? I didn't see it or hear it', but wasn't able to hear all of the Bloomberg interview. Not saying he doesn't think there is or might be one, or that one is or might be forming, but just questioning whether he sai...
by Fallible
Tue Aug 18, 2015 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to spend more and not feel bad about it
Replies: 56
Views: 5761

Re: How to spend more and not feel bad about it

I would like to start enjoying life more by spending more. For instance, I wouldn't mind traveling to more countries and buying a nice watch. The problem is that when I spend money, I think about how that money could have been invested instead. i.e I could have bought more shares in my tax free acc...
by Fallible
Tue Aug 18, 2015 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Reading for Inspiration
Replies: 4
Views: 471

Re: Reading for Inspiration

Inspiration is so deeply personal that what inspires one doesn't mean it will inspire another. Even when we are inspired, it's not always clear why, but if you know what it was in the books that inspired you, that would help. Have you read books on the wiki list?
by Fallible
Tue Aug 18, 2015 5:01 pm
Forum: Investing - Theory, News & General
Topic: The future of bonds? (Charles Ellis)
Replies: 11
Views: 1122

Re: The future of bonds? (Charles Ellis)

I don't know about you, but every time I read something from someone I respect who says I should do things differently than I am, it's very hard to not do something about it. "Stay the course" matters a lot. If all I do in my investing lifetime is save a lot, own inexpensive funds and sta...
by Fallible
Tue Aug 18, 2015 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: 23 year old with 50+ years to invest looking for advice
Replies: 31
Views: 2318

Re: 23 year old with 50+ years to invest looking for advice

Hello fellow Bogleheads, I am 23 years old with a little over 15K in my Roth IRA at this point. I am currently invested completely in the Vanguard Target Retirement 2050 Index Fund (80% equities, 20% bonds), but I think I wanted to move into the Total Stock Market Index as it would give me more exp...
by Fallible
Mon Aug 17, 2015 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: New Member and New to Investing
Replies: 6
Views: 538

Re: New Member and New to Investing

Welcome to the forum. And I think it's not only "interesting" that you love to save, but downright stupendous considering all that compounding ahead for you. :beer Don't know how much reading up you've done on investing, passive investing, Bogleheads, etc., etc., but a great place to begin...
by Fallible
Mon Aug 17, 2015 7:31 pm
Forum: Investing - Theory, News & General
Topic: Defining "stay the course"
Replies: 23
Views: 2184

Re: Defining "stay the course"

Like the Bogleheads' principles, 'stay the course' for me has always been simple to understand, though not easy to do: 1) Set a course based on an asset allocation that is right for you (goals, age, finances, risk tolerance). Then, with the help of an IPS, stay with it despite market crashes, panic,...
by Fallible
Fri Aug 14, 2015 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: asset allocation
Replies: 7
Views: 641

Re: asset allocation

Hi, I am new to this site but a long time reader of the sensible articles posted here. Over the years i have always thought that proper investing was buying and holding great companies. The likes of PG, JNJ, WMT, KO, XOM, Berkshire etc. The real reason i liked this approach was that i could get int...
by Fallible
Thu Aug 13, 2015 6:02 pm
Forum: Investing - Theory, News & General
Topic: Getting over the hurdle - Two statements conflict
Replies: 30
Views: 1882

Re: Getting over the hurdle - Two statements conflict

How does one get over the hurdle of thinking that we are ready for a correction? 1. I AGREE that no one on planet earth can consistently call the direction of a market in any given time frame. Not one week, one year or one decade. I completely and utterly agree to this. 2. However, the conflicting ...
by Fallible
Thu Aug 13, 2015 12:16 pm
Forum: Investing - Theory, News & General
Topic: Front-End Loads: Are They Really THAT Big of a Deal?
Replies: 60
Views: 4530

Re: Front-End Loads: Are They Really THAT Big of a Deal?

goingup wrote:
Durzo wrote:Sometimes this board is too bogleheadish.

It's true! :D

But sometimes not Bogleheadish enough, such as when Taylor (thankfully) has to remind us of Jack's "majesty of simplicity." :thumbsup
by Fallible
Wed Aug 12, 2015 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: How much is too much?
Replies: 42
Views: 5600

Re: How much is too much?

Balance between saving and spending throughout life is indeed the key, but since we can't know the future with any certainty, it's always a bit of a guessing game. Thus, even when the figures are sufficient enough that we can relax and spend some of that money to just enjoy life, it can still be dif...
by Fallible
Wed Aug 12, 2015 11:37 am
Forum: Investing - Theory, News & General
Topic: Do older investors make better investment decisions?
Replies: 26
Views: 1787

Re: Do older investors make better investment decisions?

Previously discussed in a much earlier thread: The Age of Reason: Financial Decisions over the Life-Cycle with Implications for Regulation http://dash.harvard.edu/handle/1/4554335 ... I remember this excellent paper and the thread, which contains links to several other good studies. Thanks for the ...
by Fallible
Tue Aug 11, 2015 3:12 pm
Forum: Investing - Theory, News & General
Topic: Buffett: Stocks Will Be Much Higher
Replies: 25
Views: 5084

Re: Buffett: Stocks Will Be Much Higher

To be clear, Buffett said that stocks are going higher, perhaps a lot higher 10 to 20 years from now. Higher in 10 to 20 years isn't such a big hurtle to jump over. Note the two qualifiers: first, the holding period (10 -20 years), definitely long term and in truth most of us expect that over a dec...
by Fallible
Mon Aug 10, 2015 3:56 pm
Forum: Investing - Theory, News & General
Topic: Preparing for the unimaginable
Replies: 33
Views: 2992

Re: Preparing for the unimaginable

All of the retirement calculators try to take into account the "worst case" scenarios for the stock market typically based on history. What would you do/are you doing to respond to a collapse in the stock market that has never been experienced, eg, let's say the equity market sees double ...
by Fallible
Sun Aug 09, 2015 10:30 pm
Forum: Investing - Theory, News & General
Topic: Don't Trust (self-serving) Past Performance Figures
Replies: 7
Views: 851

Re: Don't Trust (self-serving) Past Performance Figures

Good digging by Morningstar and Lipper and reporting by Bloomberg. The article notes that the SEC says “companies can’t mislead investors in public presentations.” But nobody says they actually were misled and the article ends saying the “bottom line” is that "JPMorgan’s calculations of its mut...
by Fallible
Sun Aug 09, 2015 8:54 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1049
Views: 177822

Re: What Movie Have You Recently Watched?

Last night, on Netflix, I watched Casting By . Interviews with Martin Scorsese, Woody Allen, Glenn Close, Al Pacino and others look at how casting directors have shaped the direction of Hollywood over the last fifty years. The 2012 documentary, directed by Tom Donahue, emphasizes the special role p...
by Fallible
Fri Aug 07, 2015 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Morgan Housel on investing discussions
Replies: 3
Views: 371

Re: Morgan Housel on investing discussions

pkcrafter wrote:The link? :happy

Paul


This may be it: The Priceless Art of Not Caring
http://www.fool.com/investing/general/2 ... aring.aspx
by Fallible
Fri Aug 07, 2015 3:41 pm
Forum: Forum Issues and Administration
Topic: [deleted] [SUGGESTION: Include basic stats (age, net worth, asset allocation)... when they post]
Replies: 27
Views: 1708

Re: SUGGESTION: Include basic stats (age, net worth, asset allocation) in one's portfolio when they post

...It would be nice if this card (which has empty space) included a user's basic stats: their age, their net worth, and their asset allocation. It would lend a lot of credibility to people's opinions , beyond their number of posts and join date. ... People's opinions are most credible when they hav...
by Fallible
Fri Aug 07, 2015 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Where to start?
Replies: 4
Views: 377

Re: Where to start?

Welcome! The place to start is in the wiki's "Getting Started": https://www.bogleheads.org/wiki/Getting_started
by Fallible
Fri Aug 07, 2015 1:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: Congrats to Laura Dogu
Replies: 61
Views: 5829

Re: Congrats to Laura Dogu

Chan_va wrote:For us newcomers, who is Laura?
Congratulations!


Read the above post and link by Raymond. And "The Bogleheads' Guide to Retirement," which Laura co-authored.
by Fallible
Fri Aug 07, 2015 1:50 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg: Look How Much Your Peers Are Saving for Retirement
Replies: 10
Views: 2763

Re: Bloomberg: Look How Much Your Peers Are Saving for Retirement

There are many reasons Americans don't save enough and peer pressure, by its very nature, can't address those reasons individually. Thus, someone who doesn't have the extra money to save and who might be doing extremely well to manage 6%, could feel quite discouraged to learn that peers save more. A...

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