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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: 106
Views: 5037

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: 68
Views: 3960

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: 7712

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: 4945

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: 557

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: 557

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: 2026

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: 425

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: 1455

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: 613

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: 955

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: 955

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: 61
Views: 5910

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: 3382

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: 1773

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: 7907

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: 1413

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: 1309

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: 2545

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: 2545

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: 2813

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: 2988

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: 631

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: 3476

Re: Large Inheritance for Kids -- Asset Allocation?

A good time to give it to them would be between the ages of 25-30. i.e. after they finish school and are trying to start their own lives. Why not plan your allocation around that time frame? I also think that if someone is financially irresponsible at 30 it will be hard to change their habits beyond...
by InvestorNewb
Fri Jan 30, 2015 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large Inheritance for Kids -- Asset Allocation?
Replies: 34
Views: 2464

Re: How to respond when someone asks how much money you make

It's a rude question for someone to ask in the first place. I would just say "it's personal" and leave it at that.

Here is a funny video that came to mind on the topic: https://www.youtube.com/watch?v=5fYTCYL3Uz0
by InvestorNewb
Thu Jan 29, 2015 10:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 107
Views: 10349

Forecasting REIT dividends

Hello, I read in another post that over the past 41 years, REIT dividends have grown at a rate of 2.6% per year according to the NAREIT database. Let's suppose for simplicity that someone has 100k in REITs (VNQ) today. Based on the following data, I plugged some numbers into dividend-calculator.com:...
by InvestorNewb
Thu Jan 29, 2015 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: Forecasting REIT dividends
Replies: 13
Views: 1342

Re: What to do with spare cash?

Hey AceJ it's just an opinion, but it's a good idea to add precious metals to your portfolio. In general, a holdings made of around 25% cash (and bonds), 25% gold/silver, 25% stocks, and 25% real estate keeps you nice and diversified so on a monthly basis with $100-$200 put some of that toward U.S....
by InvestorNewb
Thu Jan 29, 2015 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with spare cash?
Replies: 22
Views: 2056

Re: VNQ & VNQI

I have 18% of my portfolio in VNQ. Probably more like 20% since VTI has REIT too.

I do not hold VNQI because I do not think international REIT laws are the same.
by InvestorNewb
Wed Jan 28, 2015 11:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: VNQ & VNQI
Replies: 9
Views: 1050

Re: Are any US-only investors having 2nd thoughts?

Newb, Newb, Newb... Newb... some of the threads you start (bored when market is closed).... and, now this... :oops: I'm starting to think he's trolling; way too many threads started like this that are obviously anti-Boglehead. Care to explain how the thread is anti-Boglehead? If anything, it is pro...
by InvestorNewb
Wed Jan 28, 2015 6:33 pm
 
Forum: Investing - Theory, News & General
Topic: Are any US-only investors having 2nd thoughts?
Replies: 44
Views: 4571

Are any US-only investors having 2nd thoughts?

Even though we are only 27 days into the year, the international stock index is finally showing some benefit in the portfolio. Vanguard Total Stock Market ETF (VTI) is down -0.6 YTD Vanguard Total International Stock ETF (VXUS) is up +2.3% YTD It may be a silly question, but are any of the die-hard,...
by InvestorNewb
Tue Jan 27, 2015 3:25 pm
 
Forum: Investing - Theory, News & General
Topic: Are any US-only investors having 2nd thoughts?
Replies: 44
Views: 4571

Re: Alternatives to Network Solutions for renewng website do

I've been using Namecheap for many years without any issues. They also have 2FA which is a plus.
by InvestorNewb
Tue Jan 27, 2015 11:54 am
 
Forum: Personal Consumer Issues
Topic: Alternatives to Network Solutions for renewng website domain
Replies: 10
Views: 465

Re: Back in 2011

I still find the topic interesting.
by InvestorNewb
Mon Jan 26, 2015 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Back in 2011
Replies: 6
Views: 670

Re: Transfering Euros to Dollars?

In Canada there is a process called Norbet's Gambit:
http://www.finiki.org/wiki/Norbert%27s_Gambit

It is by far the cheapest way to exchange CAD <-> USD.

I'm sure there must be a similar process for EUR <-> USD.
by InvestorNewb
Mon Jan 26, 2015 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Transfering Euros to Dollars?
Replies: 11
Views: 706

Re: Vanguard added additional security!

Apart from your bank account, is there really a need to check your investment accounts while you are on vacation? Probably not... When I was in Europe for three weeks, it was the only time I really "tuned off" my investments because I was doing other stuff. It was nice to take a break from...
by InvestorNewb
Fri Jan 23, 2015 1:50 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 124
Views: 18822

Re: Vanguard added additional security!

It would be nice if all financial institutions adopted 2FA.
by InvestorNewb
Fri Jan 23, 2015 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 124
Views: 18822

Re: Gotta Be a Bear Market Coming

The international stock index has been in a bear market for the last 7 years or so... it's already here.
by InvestorNewb
Fri Jan 23, 2015 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gotta Be a Bear Market Coming
Replies: 64
Views: 7776

Re: Malware problem on new PC

I use Super AntiSpyware (free edition): http://superantispyware.com/

I discovered it by trying to remove a virus from my PC, when no other software would work. It did the job and I've been using it ever since.
by InvestorNewb
Wed Jan 21, 2015 10:24 pm
 
Forum: Personal Consumer Issues
Topic: Malware problem on new PC
Replies: 42
Views: 2700

Re: What age did you hit $100,000?

At age 26 due to savings; no investments at the time. I remember feeling "rich" at the $70k mark.

I have significantly more today at 32 but I do not feel rich. Rich is when you have the ability to leave your job, and not worry/stress about finances. I'm not there yet.
by InvestorNewb
Wed Jan 21, 2015 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 68
Views: 6046

Re: Hedge fund loses 99.8% of all funds, $100m down to $200k

Wow. How can someone lose that much money? That's insane.
by InvestorNewb
Wed Jan 21, 2015 5:58 pm
 
Forum: Investing - Theory, News & General
Topic: Hedge fund loses 99.8% of all funds, $100m down to $200k.
Replies: 59
Views: 6874

Re: good time to invest in a Reit Index fund?

... REITs are actually more volatile than total stock and historically don't perform as well, though I don't know if these stock charts on Google finance take dividends into consideration. Here are some stats that I pulled from portfoliovisualizer.com: From 1972-2014, - $10,000 in the US Stock Mark...
by InvestorNewb
Wed Jan 21, 2015 10:08 am
 
Forum: Investing - Theory, News & General
Topic: good time to invest in a Reit Index fund?
Replies: 40
Views: 4590

Bored when market is closed

Does anyone else get bored/annoyed when the market is closed? I was looking forward to making some money today but forgot about the holiday.

It should be open 24/7/365.
by InvestorNewb
Mon Jan 19, 2015 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: Bored when market is closed
Replies: 28
Views: 2119

Re: The DOW: An Index I Love to Hate

furwut wrote:Despite all the gripes hasn't the DOW's performance closely mirrored the S&P 500?


Pretty much

Image
by InvestorNewb
Mon Jan 19, 2015 11:11 am
 
Forum: Investing - Theory, News & General
Topic: The DOW: An Index I Love to Hate
Replies: 27
Views: 1966

Re: Mobile version

Thanks for the info
by InvestorNewb
Fri Jan 16, 2015 8:22 pm
 
Forum: Forum Issues and Administration
Topic: Mobile version
Replies: 3
Views: 536

Mobile version

Hello,

Are there any plans to make bogleheads.org mobile-friendly?

I notice the Canadian version of the site is mobile-friendly but not the more popular bogleheads.org.

I believe this would just be a matter of upgrading the site to the most recent version of phpBB.
by InvestorNewb
Fri Jan 16, 2015 7:23 pm
 
Forum: Forum Issues and Administration
Topic: Mobile version
Replies: 3
Views: 536

Re: Bought more REITs today

Not that I am negative on REITS, but I think you should look back at your post and learn from the statement that interest rates are 'on the rise,' not whether REITs have performed ok. Take a look at rates in 2013 vs now and ask yourself if your instincts or prognosticator statements about market di...
by InvestorNewb
Tue Jan 13, 2015 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bought more REITs today
Replies: 48
Views: 4677

Re: Bought more REITs today

Maybe I'm an idiot (with interest rates on the rise) but I just bought 10k of VNQ today. I couldn't resist the price being lower than what I bought it at 7 months ago with my original lump sum (~$69). I had the cash and the contribution room in my tax-deferred account, so I figured why not. REITs n...
by InvestorNewb
Tue Jan 13, 2015 10:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Bought more REITs today
Replies: 48
Views: 4677

Re: Why not just let cash be cash?

If you've already "made it" then cash is fine. Most of us aren't there yet and want to grow our worth.
by InvestorNewb
Mon Jan 12, 2015 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why not just let cash be cash?
Replies: 27
Views: 2537
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