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Re: Concentrated Bet ... not bad after all ?

How much do you want to bet on one stock?

Sure it would be nice to be up 44% for the year on Amazon, but it could have gone the other way. Everything is easy in hindsight.

Remember that slow and steady wins the race.
by InvestorNewb
Fri Apr 24, 2015 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Concentrated Bet ... not bad after all ?
Replies: 6
Views: 553

Re: Is this a reasonable request for broker?

About 70 documents in total have to be downloaded, so not as bad as I thought. But still a pain. Each one will also have to be renamed upon download.

I can't use any automated tool or Firefox add-on to download them; they are all generated dynamically with java script as another poster mentioned.
by InvestorNewb
Fri Apr 24, 2015 11:39 am
 
Forum: Personal Consumer Issues
Topic: Is this a reasonable request for broker?
Replies: 13
Views: 1111

Is this a reasonable request for broker?

I would like to download all electronic statements from my online brokerage account. The statements go back to 2009 and I have various accounts. Right now I can only download each statement individually. There is no way to download all of them in one single batch. I emailed my broker asking if they ...
by InvestorNewb
Thu Apr 23, 2015 2:31 pm
 
Forum: Personal Consumer Issues
Topic: Is this a reasonable request for broker?
Replies: 13
Views: 1111

Re: Children's financial gifts

LeeMKE wrote:Is there such a thing as a single share of an index fund? I'm guessing not.

Buy 1 share of VTI for $109.40.

LeeMKE wrote:How about a single share of stock, maybe Apple?

I think you already know the answer to that. :D
by InvestorNewb
Wed Apr 15, 2015 8:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Children's financial gifts
Replies: 1
Views: 268

Re: On a budget and Friday night

Gentlemen's club.
by InvestorNewb
Fri Apr 10, 2015 6:39 pm
 
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 5098

Concerns about not tilting to certain sectors

Do you ever worry about "missing out" by not tilting to a specific sector? It seems like health care and small caps are worthy of a tilt.

I know the total market index already has both of these, but you sometimes wonder what your gains might be with a bit of extra mileage...
by InvestorNewb
Thu Apr 09, 2015 7:16 pm
 
Forum: Investing - Theory, News & General
Topic: Concerns about not tilting to certain sectors
Replies: 10
Views: 739

Re: REITs in IRAs - how much is too much?

I have my tax-deferred account maxed with REITs; it makes up about 20% of my portfolio.

When I contribute new money next year, I will probably try and lower it.
by InvestorNewb
Wed Apr 08, 2015 5:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: REITs in IRAs - how much is too much?
Replies: 2
Views: 525

Re: Might Go $4,000 AAPL

closetoreality wrote:Would this be considered a reckless and irrational decision?

Is $4,000 a lot of money to you? If yes, it's a reckless decision. If 4k is only a small part of your portfolio, then it's a different story.
by InvestorNewb
Mon Apr 06, 2015 6:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Might Go $4,000 AAPL
Replies: 68
Views: 5245

Re: Real estate and reits

I added to my REIT position today. If you do decide to buy, just make sure they are held in a tax-advantaged account. Otherwise you will lose too much to taxes when the dividends are paid out.
by InvestorNewb
Mon Apr 06, 2015 2:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Real estate and reits
Replies: 22
Views: 2179

Re: Haliburton vs. Exxon as a buy and hold

As boring as it may sound, I would just buy the total stock market index. There you can have them both.

z3r0c00l is right in that individual stocks carry a lot of risk.
by InvestorNewb
Mon Apr 06, 2015 7:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Haliburton vs. Exxon as a buy and hold
Replies: 40
Views: 3422

Re: Why Vanguard Why?

Mailing in forms is a pain - I had to do it too with my broker. And multiple times for different accounts.

But once it's over you don't have to look back.
by InvestorNewb
Sun Apr 05, 2015 7:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Why Vanguard Why? [Problems opening new account]
Replies: 85
Views: 6847

Re: Sunglasses $6 to $200

I recently bought polarized, 100% UV sun glasses at Wal-Mart for about $20.
by InvestorNewb
Sat Apr 04, 2015 7:34 pm
 
Forum: Personal Consumer Issues
Topic: Sunglasses $6 to $200
Replies: 30
Views: 2814

Re: What are you up YTD?

Glad to see this thread still going! I will check my YTD balance when the US total stock index (VTI) is back around $110. :D
by InvestorNewb
Fri Apr 03, 2015 1:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 319
Views: 39166

Re: Vanguard Alternative Strategies Fund

Thanks! I agree this is surprising coming from Vanguard. They are basically doing the opposite of what they advocate.
by InvestorNewb
Thu Apr 02, 2015 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Alternative Strategies Fund
Replies: 5
Views: 514

Re: Completely new early twenty something needs help!

estachovic wrote:I currently work 25-35 hours a week at a job that pays me $10.50 an hour and pays me every other week. (I feel like my even being in this forum is laughable)

Most people in their early 20s have low paying jobs. Don't feel like you are the only one.
by InvestorNewb
Fri Mar 27, 2015 11:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Completely new early twenty something needs help!
Replies: 37
Views: 2119

Re: Buying Canadian Currency

The cheapest way to exchange USD <-> CAD is through Norbert's Gambit.

More information can be found here:
http://www.finiki.org/wiki/Norbert's_Gambit
by InvestorNewb
Mon Mar 23, 2015 8:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying Canadian Currency
Replies: 4
Views: 384

Re: Tax pdf - quick type II font?

"When you create a PDF file of your book document you need to make sure you embed your fonts in the PDF file. This ensures that if the person who opens the document does not have the font you used on their computer that they are able to view and print the file with the font you used." Sour...
by InvestorNewb
Thu Mar 19, 2015 9:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax pdf - quick type II font?
Replies: 5
Views: 354

Re: Vanguard - changing Target Date Intl allocations

Glad I'm using individual funds. Maybe I don't want 40% international.
by InvestorNewb
Thu Mar 19, 2015 2:17 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 233
Views: 20783

Re: Rental property vs. REIT

Any idea why REITs are up 2.3% today?

I thought an interest rate hike would have the opposite effect on REITs?
by InvestorNewb
Wed Mar 18, 2015 2:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental property vs. REIT
Replies: 38
Views: 3246

Re: Vanguard account canada

... but they only offer ETFs, no sign of them bringing their index funds to Canada. I believe you meant to say mutual funds. The ETFs are also index funds. OP: I am a Canadian resident and I invest in Vanguard index funds through ETFs. You need to open a brokerage account and buy the funds through ...
by InvestorNewb
Sat Mar 14, 2015 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard account canada
Replies: 4
Views: 440

Re: What are some common misconceptions found in this forum?

That there are misconceptions found in this forum.
by InvestorNewb
Wed Mar 11, 2015 7:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 209
Views: 18128

Re: Bonds, REITs, Utilities, Commodities and Stocks down - W

I remember when VNQ was at almost $90/share this year. Now it's at ~$80/share. But near $90 is when you rebalanced some shares out of VNQ because you were overweighted in REITs. And yesterday, you were underweighted, so you that's when you bought more shares of VNQ. Doing all of that is too much wo...
by InvestorNewb
Sat Mar 07, 2015 8:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds, REITs, Utilities, Commodities and Stocks down - Wow
Replies: 66
Views: 4531

Re: Bonds, REITs, Utilities, Commodities and Stocks down - W

REITs are now in negative territory YTD. I remember when VNQ was at almost $90/share this year. Now it's at ~$80/share.

I guess I should have waited before making my tax-deferred contribution.
by InvestorNewb
Sat Mar 07, 2015 8:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds, REITs, Utilities, Commodities and Stocks down - Wow
Replies: 66
Views: 4531

Re: What's your average ER?

0.085%
by InvestorNewb
Sun Mar 01, 2015 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 7648

Re: How to Invest in Gold

Bogleheads don't buy gold or bitcoins.
by InvestorNewb
Fri Feb 27, 2015 7:51 pm
 
Forum: Investing - Theory, News & General
Topic: How to Invest in Gold
Replies: 70
Views: 4765

Re: Buy and Hold Forever Stocks

I don't own any individual stocks. - BRK.B will probably give similar returns to the S&P 500. Why not hold the S&P 500 instead? (Why take on the added risk?) - As for Apple, what happens if iPhone loses its popularity? I have no interest in buying individual stocks; I would rather own ~10,00...
by InvestorNewb
Mon Feb 23, 2015 7:25 pm
 
Forum: Investing - Theory, News & General
Topic: Buy and Hold Forever Stocks
Replies: 101
Views: 8668

Re: Market Top

If you stick around long enough you will see that threads like this are posted every year. That should tell you something about market timing.
by InvestorNewb
Sat Feb 21, 2015 9:04 am
 
Forum: Investing - Theory, News & General
Topic: [What to do at] Market Top
Replies: 57
Views: 5331

Re: 21 year old looking to invest in a business

I work in small business lending and the typical age when people started their own business is mid/late 40's. At you age the best business to invest in is yourself (i.e. get experience). You need to learn how the world operates and learn from others' mistakes to minimize the ones you will make in t...
by InvestorNewb
Thu Feb 19, 2015 7:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: 21 year old looking to invest in a business
Replies: 7
Views: 596

Re: 21 year old looking to invest in a business

Watching a few episodes of Kitchen Nightmares will make you want to stay clear of the restaurant business.
by InvestorNewb
Thu Feb 19, 2015 6:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: 21 year old looking to invest in a business
Replies: 7
Views: 596

Re: Keep buying regardless of price movement?

What does the rest of your portfolio look like?

Personally I would not place a big bet on energy. Invest in the Total Stock Market Index Fund (VTSMX) instead.
by InvestorNewb
Thu Feb 19, 2015 7:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Keep buying regardless of price movement?
Replies: 17
Views: 2145

Re: copy/paste or attach an image

Code: Select all
[img]https://developer.chrome.com/extensions/examples/api/idle/idle_simple/sample-128.png[/img]


Image

Just copy and paste the code above into your post.
by InvestorNewb
Wed Feb 18, 2015 6:32 pm
 
Forum: Forum Issues and Administration
Topic: copy/paste or attach an image
Replies: 8
Views: 537

Re: Accountant Cost When Taxes Done During Meeting

It seems very reasonable to me. I pay $2k for corporate taxes. I also give specific instructions on what needs to be done and itemize everything.
by InvestorNewb
Wed Feb 18, 2015 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Accountant Cost When Taxes Done During Meeting
Replies: 19
Views: 1562

Re: Rookie, looking to assess my investments and my plan..th

Second, wow, sad. If those estimates and predictions are accurate, then I can never retire early. I had what I thought was a solid plan. Historically, I thought it had been around 10.4%. I expected a little lower, so I figured if I could get 9 that would be great. At 2%, I can never have enough to ...
by InvestorNewb
Wed Feb 18, 2015 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Rookie, looking to assess my investments and my plan..thanks
Replies: 9
Views: 669

Re: Over the long-run, are there any poor-performing sectors

Do you mean something like this, but for a longer period? http://news.morningstar.com/stockReturns/CapWtdSectorReturns.html yes exactly I seem to recall reading somewhere that airlines have been terrible investments. Airlines Airlines would fall into the consumer cyclical sector but they are only o...
by InvestorNewb
Tue Feb 17, 2015 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: Over the long-run, are there any poor-performing sectors?
Replies: 13
Views: 1036

Over the long-run, are there any poor-performing sectors?

Looking back into the past, are there any stock sectors that did poorly over a 30-year period? Let's exclude precious metals and emerging markets for this example. It seems to me that while there are sectors that beat the returns of the S&P 500, we are hard-pressed to find ones that underperform...
by InvestorNewb
Tue Feb 17, 2015 6:30 pm
 
Forum: Investing - Theory, News & General
Topic: Over the long-run, are there any poor-performing sectors?
Replies: 13
Views: 1036

Re: Cap Gains & Divs killed me this year

Sounds like a good problem to have.
by InvestorNewb
Tue Feb 17, 2015 3:27 pm
 
Forum: Investing - Theory, News & General
Topic: Cap Gains & Divs killed me this year
Replies: 65
Views: 7365

Re: Am I saving properly for retirement?

BuyHighSellLow wrote:Sorry if this has been answered already, but do the Target Retirement funds with Vanguard approximate the whole market?

Target fund stock holdings are 70% US and 30% International. Approximating the whole market (world market) would need 55% International and 45% US.
by InvestorNewb
Tue Feb 17, 2015 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I saving properly for retirement?
Replies: 54
Views: 3619

Re: Should I raise my tenants rent?

As a tenant myself I hate when the rent goes up. Even if it is only by $20/mo.
by InvestorNewb
Mon Feb 16, 2015 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I raise my tenants rent?
Replies: 35
Views: 1940

Re: Expecting a big inheritance - Should it change my life?

I would try not to live with the expectation of receiving any inheritance at all. It will prevent you from achieving your own self-made goals. Personally, I would rather my parents spend everything they have; I want them to live their lives to the fullest. I think it's selfish to expect an inheritan...
by InvestorNewb
Mon Feb 16, 2015 9:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Expecting a big inheritance - Should it change my life?
Replies: 124
Views: 8510

Re: Projection at age 28 - Is this correct?

8% might be overly optimistic. I usually see conservative estimates using 5-6%.
by InvestorNewb
Sun Feb 15, 2015 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Projection at age 28 - Is this correct?
Replies: 10
Views: 1486

Re: possible churning?

No there is not. Why not ask him directly?
by InvestorNewb
Sun Feb 15, 2015 9:24 am
 
Forum: Investing - Help with Personal Investments
Topic: possible churning?
Replies: 20
Views: 1423

Re: If you could start over at age 30...

@InvestorNewb - When I was first starting out I was unaware of Vanguard/VTI, so I started building with 50 shares of SPY. I agree, moving forward I should just stick to VTI, but is the 50 shares of SPY hurting anything? Not hurting anything at all. VTI is just the better choice because it has 3,796...
by InvestorNewb
Thu Feb 12, 2015 10:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: age 30... [portfolio advice requested]
Replies: 22
Views: 2714

Re: If you could start over at age 30...

I would not bother with both VTI and SPY. Only VTI is needed, SPY is redundant.
by InvestorNewb
Thu Feb 12, 2015 9:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: age 30... [portfolio advice requested]
Replies: 22
Views: 2714

Re: Anticipating the pain [of one day portfolio drop]

I actually have about $350k already and every drop is a pain. It is also painful that the fund price tends to be higher on days on my automatic contributions come in. I just hate to have a repeat of 2008 to my money. I can't imagine people knowingly let their existing balance nose-dives. The key is...
by InvestorNewb
Thu Feb 05, 2015 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anticipating the pain [of one day portfolio drop]
Replies: 25
Views: 2908

Re: Janitor in Vermont leaves millions

If it turns out that he actually picked stocks, and didn't pile into index funds, I guess this forum will have to self-destruct. I don't see anything wrong with picking stocks as long as you buy enough of them in different sectors. I think many investors from my father's generation built their weal...
by InvestorNewb
Thu Feb 05, 2015 1:56 pm
 
Forum: Investing - Theory, News & General
Topic: [Janitor in Vermont leaves millions] A true Boglehead!
Replies: 47
Views: 3349

Re: Canadian index fund

The cheapest way to convert money for USD <-> CAD is by using Norbert's Gambit:

http://www.finiki.org/wiki/Norbert's_Gambit
by InvestorNewb
Wed Feb 04, 2015 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Canadian index fund
Replies: 6
Views: 667

Re: Is it ok not to own property?

I am in the same situation as you.

I am not convinced that buying is better than renting. Even after the house/condo is paid for, there is still annual property tax and maintenance. That's a good chunk of rent money right there.
by InvestorNewb
Mon Feb 02, 2015 8:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Is it ok not to own property?
Replies: 24
Views: 3589
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