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Poll: How important is rebalancing?

I have not rebalanced since I started investing a few years ago. How important is it?

It seems that it could either work in or out of your favor, similar to a coin flip.

I started a poll to get a better sense on the topic.
by InvestorNewb
Mon Dec 22, 2014 9:04 am
 
Forum: Investing - Theory, News & General
Topic: Poll: How important is rebalancing?
Replies: 25
Views: 1186

Re: Who should pay for this meal?

I would just get separate tabs. I meet up with old friends and this is the way we always do it.
by InvestorNewb
Sun Dec 21, 2014 3:56 pm
 
Forum: Personal Consumer Issues
Topic: Who should pay for this meal?
Replies: 75
Views: 4820

Re: VTI went up, but VTSMX went down

TheTimeLord wrote:
InvestorNewb wrote:Please post the full names of the funds instead of only the tickers.


Your post is ironic given your signature.

Changed.
by InvestorNewb
Sat Dec 20, 2014 10:12 pm
 
Forum: Investing - Theory, News & General
Topic: VTI went up, but VTSMX went down
Replies: 14
Views: 1654

Re: VTI went up, but VTSMX went down

Please post the full names of the funds instead of only the tickers.
by InvestorNewb
Fri Dec 19, 2014 8:07 pm
 
Forum: Investing - Theory, News & General
Topic: VTI went up, but VTSMX went down
Replies: 14
Views: 1654

Re: Please debunk this CNN Money article on dividend investi

Most stocks pay dividends from what I understand.

In the S&P 500 for instance, only 80 stocks do not pay dividends:
http://www.indexarb.com/dividendYieldSortedsp.html
by InvestorNewb
Fri Dec 19, 2014 11:23 am
 
Forum: Investing - Theory, News & General
Topic: Please debunk this CNN Money article on dividend investing
Replies: 42
Views: 4583

Re: U.S. stocks in freefall

The market has been on fire the past two days. We're almost back to where we were before the little crash, if you can call it that.
by InvestorNewb
Thu Dec 18, 2014 5:36 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1073
Views: 191514

Re: Went "all in" Nov 17-21 in VTTHX (2035) - worried...

You are probably glad you didn't sell today. :D

(assuming you didn't)
by InvestorNewb
Wed Dec 17, 2014 2:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Went "all in" Nov 17-21 in VTTHX (2035) - worried...
Replies: 26
Views: 3366

Re: 100% equities - my reasoning

I am 100% equities and I do not think that being 80:20 or even 70:30 would really help me that much from a psychological standpoint in a down market. There is still a lot of money at risk and losing 50% of a 70% stock allocation would still "hurt" so to speak. Sure you could buy more share...
by InvestorNewb
Sun Dec 14, 2014 8:47 pm
 
Forum: Investing - Theory, News & General
Topic: 100% equities - my reasoning
Replies: 91
Views: 5942

Re: Investment Help

You will get more responses if you share the ticker names.
by InvestorNewb
Sun Dec 14, 2014 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Help
Replies: 7
Views: 355

Re: Buy oil drilling companies stocks?

Bogleheads don't believe in market timing or in buying individual stocks.
by InvestorNewb
Sun Dec 14, 2014 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Buy oil drilling companies stocks?
Replies: 5
Views: 464

Re: What's wrong with VTIAX?

Is it a bad time to Exchange a few VTIAX shares for funds of Total market VTSAX or Small Caps Value Index VSIAX, I have no fees to exchange between Vanguard Indexes. ? I only want to change my international from 12% to 10% of my total portfolio. If international was up the past few days would you b...
by InvestorNewb
Wed Dec 10, 2014 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: What's wrong with VTIAX?
Replies: 63
Views: 7473

Poll: Dividend income to match annual salary?

I would like to get a general idea of how long it took for your dividend income (from index funds) to match or exceed your annual salary.

For me I see this as the 'euphoria' of investing. The day that someone no longer has to worry about staying employed.
by InvestorNewb
Tue Dec 09, 2014 10:09 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Dividend income to match annual salary?
Replies: 39
Views: 3656

Re: What's wrong with VTIAX?

At least you can pick up more shares with the dividend reinvestments. It's not fun seeing it stay down like this, but the people who are rewarded are the ones who stick to their plans.

I bought about 16k worth of international last month.
by InvestorNewb
Tue Dec 09, 2014 2:48 pm
 
Forum: Investing - Theory, News & General
Topic: What's wrong with VTIAX?
Replies: 63
Views: 7473

Re: Helping my dad with his portfolio

I don't think comparing his returns to the S&P 500 only is very helpful. I have 100% Vanguard funds and I can easily do the same thing (i.e. if only I had invested everything in the total stock market index instead of international, REITs, and Canada, then my returns would have been spectacular....
by InvestorNewb
Sat Dec 06, 2014 10:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Helping my dad with his portfolio
Replies: 52
Views: 2524

Re: Is 18 too young to start investing?

You are never too young to start. But if you need the $1k for school, you are better off using it for that at this point.
by InvestorNewb
Fri Dec 05, 2014 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is 18 too young to start investing? (Investing from the UK)
Replies: 12
Views: 741

Re: Bogle Advises Investing No More Than 20% Outside U.S.

I've been allocating new money to international. It currently makes up about 30% of my portfolio. For me it is hard to allocate new money to the US stock market given the run up that we've seen. If you invested a lump sum when the price was in the $70 range (ETF), as I did a few years ago, $107 feel...
by InvestorNewb
Fri Dec 05, 2014 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 11599

Re: Teeth whitening

I had mine whitened years ago. It included having custom trays for my upper and lower teeth - they look like athletic teeth guards. A bleach solution/gel was poured into the trays and then applied to my teeth for a contact time of X minutes. It took a couple of weeks but worked well. Was your proce...
by InvestorNewb
Fri Dec 05, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: Teeth whitening
Replies: 12
Views: 2215

Re: Really Need Advice - Coming Back into Market

Fidelity Capital & Income (FAGIX) has an expense ratio of 0.71%

Vanguard has a comparable fund (VGIAX) with an expense of 0.26% (with minimum 50k investment) or 0.36% (if less than 50k).
by InvestorNewb
Fri Dec 05, 2014 7:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Really Need Advice - Coming Back into Market
Replies: 25
Views: 2055

Teeth whitening

I recently went for 'professional' teeth whitening and wasn't at all impressed with the results. There is virtually no difference between before and after.

I'm a non-smoker and do not drink any coffee, so my teeth are in relatively good shape to begin with. I just want them whiter. Any suggestions?
by InvestorNewb
Wed Dec 03, 2014 10:05 pm
 
Forum: Personal Consumer Issues
Topic: Teeth whitening
Replies: 12
Views: 2215

Re: Took the Plunge into the Boglehead Allocation

Congrats! You are off to a great start - I wish I was armed with the knowledge you have now at 22.
by InvestorNewb
Wed Dec 03, 2014 1:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Took the Plunge into the Boglehead Allocation
Replies: 38
Views: 2877

Re: Why do we like dividends?

My answer is that it's because we don't have to sell any shares to receive them. The price then goes back up.
by InvestorNewb
Fri Nov 28, 2014 10:58 am
 
Forum: Investing - Theory, News & General
Topic: Why do we like dividends?
Replies: 114
Views: 8321

Re: VT or VTI?

Here is a post I created that you may find helpful:
viewtopic.php?f=1&t=148120&p=2212410#p2212410
by InvestorNewb
Wed Nov 26, 2014 12:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: VT or VTI?
Replies: 1
Views: 323

Re: Why should I avoid REITs?

backpacker wrote:The main with REITs can be summed up in three words: Almost no data.


Congress created REITs in 1960.
by InvestorNewb
Wed Nov 26, 2014 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Why should I avoid REITs?
Replies: 54
Views: 7297

Re: Why should I avoid REITs?

How would you feel if REITs had a poor year like they did last year? You may not see them in the same light.

I have about 18% of my portfolio in REITs; all in a tax-deferred account.
by InvestorNewb
Tue Nov 25, 2014 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why should I avoid REITs?
Replies: 54
Views: 7297

Re: Been out of market since 2008 and can't get back in

I think most people think the stock market is expensive when they first get in. I thought so to when VTI was priced at $71.72/unit. Now it's almost at $107/unit.

In a few years from now $107/unit may seem cheap and $71.72/unit may seem extraordinarily cheap.
by InvestorNewb
Tue Nov 25, 2014 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Been out of market since 2008 and can't get back in
Replies: 52
Views: 5285

Re: 32 year old amateur investor looking for retirement advi

I'm the same age as you and have all stocks. I'm not recommending it but thought I would post here; my investments can be found in my signature.
by InvestorNewb
Mon Nov 24, 2014 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: 32 year old amateur investor looking for retirement advice
Replies: 10
Views: 902

Re: ETF return data location

livesoft wrote:morningstar.com is what I typically use for ETFs and mutual funds and stocks and whatever.

You own individual stocks? Since when are bogleheads allowed to do this? :happy
by InvestorNewb
Mon Nov 24, 2014 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: ETF return data location
Replies: 4
Views: 252

Bought more international today

I added 332 shares to my international stock collection (VXUS) today. It feels good to invest that money and put it to work.

I wonder what it will be worth in 30 years from now? Will revisit in 30 years.
by InvestorNewb
Wed Nov 19, 2014 3:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bought more international today
Replies: 2
Views: 642

Re: Please Try Out Test Posts Here

BB code used to be on in signatures.
Is there a reason it was turned off? I would like to be able to bold some of the text if possible.
by InvestorNewb
Wed Nov 12, 2014 2:30 pm
 
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 45
Views: 120270

Re: Vanguard launches new offering ...

It's a good idea on their part... the pricing on the merchandise also looks at-cost.
by InvestorNewb
Wed Nov 12, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 13191

Re: Question about reinvesting dividends

I reinvest dividends in both taxable and tax-protected accounts.
by InvestorNewb
Tue Nov 11, 2014 6:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about reinvesting dividends
Replies: 7
Views: 648

Re: Thinking about buying an individual stock NSC

NSC has done well, so it's easy to look back in hindsight and regret selling your shares.

But how would you feel if the company had a downward spiral? I bet you wouldn't want the certificate hanging on your wall at that point, as it would be a constant reminder of why you should have sold.
by InvestorNewb
Tue Nov 11, 2014 9:02 am
 
Forum: Investing - Theory, News & General
Topic: Thinking about buying an individual stock NSC
Replies: 56
Views: 4835

Re: astonishing performance of US markets vs others

It is disheartening to see international stay down for a long time. I would think US/int'l would be more correlated from globalization. I don't rebalance into international with dividends so my allocation to it has lost a few percentage points due to US/Canada growth. But I will be making a new cont...
by InvestorNewb
Tue Nov 11, 2014 7:26 am
 
Forum: Investing - Theory, News & General
Topic: astonishing performance of US markets vs others
Replies: 50
Views: 5282

Re: Retiring Parents Set in Risky Ways

Maybe point to Eric Schmidt. He unloaded $2.5B worth of his shares in Google to diversify his portfolio. If he's doing it with Google, your parents should do it with company x.
by InvestorNewb
Tue Nov 11, 2014 7:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiring Parents Set in Risky Ways
Replies: 46
Views: 5052

Re: new REIT sector may be 11th sector in SP500

From what I understand, they are simply re-categorizing the companies as REIT? If so, how would that impact the investors who tilt towards REIT? i.e. the companies are still the same, only they are being re-branded as REIT for investors who dig into the S&P 500's prospectus.
by InvestorNewb
Mon Nov 10, 2014 7:24 pm
 
Forum: Investing - Theory, News & General
Topic: new REIT sector may be 11th sector in SP500
Replies: 4
Views: 842

Re: Schwab ETF: SCHB or FNDB?

Vanguard has the same ETF for 0.05% MER. The ticker is VTI. VTI has $355.4 billion in assets with 3,772 holdings SCHB has $3.9 billion in assets with 2,042 holdings It seems to me that VTI is a superior product based on the number of assets (higher liquidity/lower spread costs?) and the additional 1...
by InvestorNewb
Mon Nov 10, 2014 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Schwab ETF: SCHB or FNDB?
Replies: 7
Views: 573

Re: Which ETF Portfolio is Better?

I would go with option 1 because it's way simpler.

VTI + VXUS are total market funds so they already include small, mid and large caps across all sectors.

Option 2 is crazy if you ask me.
by InvestorNewb
Sun Nov 09, 2014 9:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which ETF Portfolio is Better?
Replies: 8
Views: 1258

International Stock Index Potential

Hello,

What potential does the international stock index (VXUS) have to grow in one year?

What was its best year? Could it potentially double in one year from very strong emerging markets?

I own more shares of international than my other ETFs...
by InvestorNewb
Fri Nov 07, 2014 12:55 pm
 
Forum: Investing - Theory, News & General
Topic: International Stock Index Potential
Replies: 17
Views: 1700

Re: Livesoft - Thank you

livesoft is the bomb
by InvestorNewb
Mon Nov 03, 2014 8:42 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 44
Views: 5744

Re: What are you up YTD?

InvestorNewb wrote:
gerrym51 wrote:
InvestorNewb wrote:Please share your asset allocation and what you are up (or down) YTD in the format below.

Here are my stats:

Stocks: 100%
Bonds: -

Up: 10%



Just wondering what your year to date is now?


Up 2.40% YTD. Let's hope for a rebound this week.

I'm back to being up 8.14% YTD. :beer
by InvestorNewb
Fri Oct 31, 2014 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 213
Views: 18791

Re: Should I buy more REITs?

You have an investment strategy which is a recipe for a 6 car train pile up at some point. Likely at the next stock market crash, but who knows? Well to be fair, he did put newb in the name :D I agree though. If OP thinks dips of 5%-10% are bad, what happens if REITs drop by 70% like they did a few...
by InvestorNewb
Fri Oct 31, 2014 6:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 45
Views: 5075

Re: Should I buy more REITs?

To answer some of the questions: - I do not have an IPS - I do not own real estate apart from the stock market - I do not have any bonds - For last year's contribution, I bought more REITs Here is my dilemma: VNQ is currently the only fund that I have in my tax-deferred account. Ever since beginning...
by InvestorNewb
Wed Oct 29, 2014 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 45
Views: 5075

Re: Career Advice for an Unhappy Young Doctor?

I think many people in new jobs can relate. As the saying goes, the grass isn't always greener on the other side.

I'm in IT and my first year was very stressful. Fast forward seven years and I'm glad I "toughed out" the first year.
by InvestorNewb
Mon Oct 27, 2014 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 116
Views: 13623

Should I buy more REITs?

Hello, I'm using my tax-deferred account for Vanguard's REIT fund (VNQ). At this time, I only have VNQ shares in the account and they make up 17% of my portfolio. My idea for buying VNQ was to get the best of both investing worlds, i.e. total return and income. My taxable accounts are dedicated to t...
by InvestorNewb
Mon Oct 27, 2014 12:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 45
Views: 5075

Re: Water testing kit?

I had my water tested by the city about 6 months ago. I was having a similar problem, where the water would come out brownish from time to time. The technicians that came here said that rust by itself is not harmful, because it can't be absorbed by the body or something to that effect. The water was...
by InvestorNewb
Mon Oct 27, 2014 11:21 am
 
Forum: Personal Consumer Issues
Topic: Water testing kit?
Replies: 7
Views: 718

Re: Health care tilt

Yesterdaysnews wrote:Health care R&D is doing well (we will soon cure Ebola and make cancer a treatable disease) and Obamacare is out of the way for now.

How can you use the word 'soon' in this statement. What do you know that others do not?
by InvestorNewb
Sat Oct 18, 2014 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: Health care tilt
Replies: 77
Views: 4126

Re: Stocks as long term investments

If he had invested $8,000 in the US Stock Market (i.e. Total Stock Market or S&P 500 index) in 1980, that 8k would have turned into $327,289 by 2013.

How is that for a college tuition? Source: http://www.portfoliovisualizer.com
by InvestorNewb
Sat Oct 18, 2014 2:49 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks as long term investments
Replies: 57
Views: 5004
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