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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 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: Health care tilt
Replies: 77
Views: 3716

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 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks as long term investments
Replies: 52
Views: 3631

Re: It's a good day to be heavy in REITs

The REIT index contains a 138 securities all concentrated in a single highly volatile market sector, while the total market index contains 3742 securities across all market sectors. Do you honestly believe that those two funds carry the same amount of risk? I was just referencing Vanguard. Why do t...
by InvestorNewb
Tue Oct 14, 2014 12:51 pm
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be heavy in REITs
Replies: 42
Views: 3980

Re: It's a good day to be heavy in REITs

Good grief. Have your fun, InvestorNewb but please reassure me that you are perfectly aware of 2008-2009. Losing half your money in the stock market is tough, but losing 2/3 of it in Vanguard REIT Index Fund is tougher. By all means invest in REITs if it makes sense to you, and I'm glad it's been a...
by InvestorNewb
Tue Oct 14, 2014 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be heavy in REITs
Replies: 42
Views: 3980

It's a good day to be heavy in REITs

Inspired by similar posts about it being a good day to be heavy in stocks/bonds, I thought I would create one for REITs given the growth today.

Currently up 1.60%. Good thing I have about 17% of my portfolio in REITs.
by InvestorNewb
Tue Oct 14, 2014 10:20 am
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be heavy in REITs
Replies: 42
Views: 3980

Re: What are you up YTD?

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.
by InvestorNewb
Mon Oct 13, 2014 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 141
Views: 11805

Re: Headed for a 300+ point loss today?

REITs are still up today. Good thing I have a high tilt to REITs.
by InvestorNewb
Thu Oct 09, 2014 1:28 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28437

Re: Why are my funds negative if stock market setting new hi

It all depends on what period you look at.

The S&P 500 is up 6.6% year to date. But it is down almost 2% from September 9 to today and up only 0.19% from July 9 to today.
by InvestorNewb
Wed Oct 08, 2014 6:12 pm
 
Forum: Investing - Theory, News & General
Topic: Why are my funds negative if stock market setting new highs?
Replies: 21
Views: 2809

Re: It's a good day to be in Stocks - 10-08-2014.........

A good reminder why it's important to stay the course.
by InvestorNewb
Wed Oct 08, 2014 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be in Stocks - 10-08-2014.........
Replies: 24
Views: 3199

Re: Getting back into the market

I AM NOW 65 AND HAVE HAD PLENTY OF TIME TO READ BOGLES BOOKS AND THIS WEB SITE. ALTHOUGH I HAVE WANTED TO ACT I WAS SIDETRACKED W/ FAMILY HEALTH ISSUES AND FINANCES TOOK A BACK SEAT. IT IS TRUE MAKING MAJOR DECISIONS IS SCARRY BUT I NOW HAVE THE CONFIDENCE TO ACT. I FIND THIS FORUM HELPFUL IN SUPPO...
by InvestorNewb
Wed Oct 08, 2014 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting back into the market
Replies: 32
Views: 3846

Re: Large Inheritance - Need Advice

I agree that you shouldn't be discouraged by the time it takes to "manage" your portfolio. I remember before I had any clue about investing, I was worried about making mistakes and had fears about making the wrong investing decisions and losing money. Fast forward two years, and I have bee...
by InvestorNewb
Tue Oct 07, 2014 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large Inheritance - Need Advice
Replies: 28
Views: 3488

1,000th post

When should someone retire their newb status?

Is it after x number of posts and/or x number of years in the market?

Thanks to the community here, I made my first investment with Vanguard in November of 2012 - almost two years ago. Haven't sold any shares since.
by InvestorNewb
Fri Oct 03, 2014 3:34 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: 1,000th post
Replies: 10
Views: 800

Re: Leaving a legacy

The issue is simple, really. If you really want to make sure your kids are taken care of, there's no problem with you leaving them your estate. Just do it prudently with a scheduled payout with stipulations. 1. No lump sum payout 2. They must remain gainfully employed 3. They must save a minimum of...
by InvestorNewb
Fri Oct 03, 2014 1:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leaving a legacy
Replies: 63
Views: 4034

Re: Why not 100% Stocks?

When someone says they are 100% stocks, it means they have no bond allocation. I am also 100% stocks. Sure, I have a small cash reserve, but I do not include that as part of my investment portfolio. In theory, as long as someone has $0.01 in cash they are not "100% stocks". But I don't thi...
by InvestorNewb
Fri Oct 03, 2014 10:59 am
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 20508

Re: Total world stock index

Instead of holding VT, I would split your holdings between Total US (VTI) and Total International (VXUS). Here is the reason I decided to do this: VTI + VXUS - VTI has 3,742 stocks - VXUS has 5,667 stocks - Combined they have 9,409 stocks - VTI has an MER of 0.05% - VXUS has an MER of 0.14% - Combin...
by InvestorNewb
Fri Oct 03, 2014 8:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Total world stock index
Replies: 19
Views: 2406

Re: Why not 100% Stocks?

It's nice to see a thread like this when stocks haven't been doing so well lately.

People always ask where are all the 100% stock threads when stocks are going down? Well here is one right here.
by InvestorNewb
Fri Oct 03, 2014 8:13 am
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 20508

Re: When should someone "not stay the course"?

Newb, all of your posts on this forum seem to suggest that you may not have the risk tolerance for 100% equities like you say you do, and a number of people point this out in every thread. What is your response to that? My response is that while I may appear jittery at times, I have never sold a si...
by InvestorNewb
Wed Oct 01, 2014 2:18 pm
 
Forum: Investing - Theory, News & General
Topic: When should someone "not stay the course"?
Replies: 43
Views: 2560

Re: When should someone "not stay the course"?

Thanks for the replies. I bought more international today with the dividends that were paid out yesterday.
by InvestorNewb
Wed Oct 01, 2014 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: When should someone "not stay the course"?
Replies: 43
Views: 2560

When should someone "not stay the course"?

On August 28, 2006, Vanguard's Total International Stock index was priced at $16.42 per share. On September 30, 2014, it was priced at $16.41 per share. That's almost 10 years of stagnation (or 8 years, 1 month, and 2 days to be exact). http://uploadpie.com/1qrRr I know that I'm cherry picking the d...
by InvestorNewb
Tue Sep 30, 2014 2:31 pm
 
Forum: Investing - Theory, News & General
Topic: When should someone "not stay the course"?
Replies: 43
Views: 2560

Re: bogus schwab email

Not sure how 2-factor auth would save you if you were fooled into entering your credentials into a fake site. The attacker would need to be ready to act quickly... This is why two-factor authentication is important. Even if they created a spoofed version of Schwab's log-in area and recorded all use...
by InvestorNewb
Tue Sep 30, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: bogus schwab email [Phishing scam]
Replies: 22
Views: 912

Re: bogus schwab email

This is why two-factor authentication is important.
by InvestorNewb
Tue Sep 30, 2014 12:38 pm
 
Forum: Personal Consumer Issues
Topic: bogus schwab email [Phishing scam]
Replies: 22
Views: 912

Re: Should I pay off my sisters student loans?

Why is your sister not getting any part of the windfall?
by InvestorNewb
Mon Sep 29, 2014 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my sisters student loans?
Replies: 49
Views: 3579

Re: How can I stop feeling depressed about my finances?

$45k a year is not bad at all for a 26 y.o. There is always someone doing better.. just have to focus on yourself.
by InvestorNewb
Mon Sep 29, 2014 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can I stop feeling depressed about my finances?
Replies: 130
Views: 13992

Why do people buy annuities?

Hello, According to RBC's annuity calculator, for a 62 y.o. male who wants a guaranteed $4,000 per month for 25 years, he would have to deposit $874,992.36. Why not just take the ~$875k and put it into something safe like TIPS? $875k would buy 65,297 units in Vanguard's Inflation-Protected Securitie...
by InvestorNewb
Fri Sep 26, 2014 1:13 pm
 
Forum: Investing - Theory, News & General
Topic: Why do people buy annuities?
Replies: 50
Views: 3991

Re: We're all going to die!!!

It's amazing how fast it can come and go.
by InvestorNewb
Thu Sep 25, 2014 1:52 pm
 
Forum: Investing - Theory, News & General
Topic: [S&P is down 1.3%, thus] We're all going to die!!!
Replies: 58
Views: 4806

Re: Stubbornly Non-Boglehead Husband. What To Do?

This reminds me of my friend who gambles a lot at the casino. Despite how much he loses, he just keeps playing. The numbers are irrelvant and it is impossible to get through to him. "DUDE, I can make my money back." Why bother playing if it's always a matter of recouping your losses? The p...
by InvestorNewb
Wed Sep 24, 2014 3:39 pm
 
Forum: Investing - Theory, News & General
Topic: Stubbornly Non-Boglehead Husband. What To Do?
Replies: 122
Views: 7843

Re: Total Stock Market Dividends

^ Forgot about the price difference... my bad.
by InvestorNewb
Tue Sep 23, 2014 10:45 am
 
Forum: Investing - Theory, News & General
Topic: Total Stock Market Dividends
Replies: 18
Views: 1208

Re: Total Stock Market Dividends

The September dividend for TSM is also virtually the same as Vanguard's high dividend yield fund:

Vanguard Total Stock Market - $0.46500
Vanguard High Dividend Yield - $0.46900

... it seems that TSM is superior in a lot of ways.
by InvestorNewb
Tue Sep 23, 2014 10:18 am
 
Forum: Investing - Theory, News & General
Topic: Total Stock Market Dividends
Replies: 18
Views: 1208

Re: Vanguard Quarterly Dividends in September

VG should be more punctual in posting the dividend rates (with declaration date of Sep 22) on their web site. I have probably checked their web site at least a dozen time today but have not seen any update. Another poster said this comes at end of day, but why not make Sep 23 the declaration date if...
by InvestorNewb
Mon Sep 22, 2014 8:01 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Quarterly Dividends in September
Replies: 40
Views: 5137

Re: VNQ dividend [Vanguard REIT - ETF]

It's Monday and there no sign of the rates on VG's web site.
by InvestorNewb
Mon Sep 22, 2014 9:37 am
 
Forum: Investing - Theory, News & General
Topic: VNQ dividend [Vanguard REIT - ETF]
Replies: 6
Views: 1338

Re: Higher Dividend Three Fund Portfolio Idea

The top 10 holdings of VYM are almost the same as VTI.

If I had to guess, I would say the future returns won't be significantly different than total market. But I would rather go with total market to cover everything.
by InvestorNewb
Fri Sep 19, 2014 10:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Higher Dividend Three Fund Portfolio Idea
Replies: 15
Views: 1681

Re: VNQ dividend

VNQ is the US REIT index. Looks like it will be announced on Monday.
by InvestorNewb
Fri Sep 19, 2014 9:18 pm
 
Forum: Investing - Theory, News & General
Topic: VNQ dividend [Vanguard REIT - ETF]
Replies: 6
Views: 1338

Re: AliBaba

ArthurO wrote:1000 shares at $75, it goes to 90 or more I sell, can't get it on 2ndary market for that price, I don't buy, I get it and goes down, hold it for long term, this is my gambling money....

Is risking $75,000 worth it to make $15k? I'd rather buy more shares of VTI.
by InvestorNewb
Fri Sep 19, 2014 9:59 am
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 128
Views: 8485

Re: Yes, It's Dividend Time

You had me thinking the dividend rates were posted on Vanguard's web site. To my dismay, they haven't been yet.
by InvestorNewb
Thu Sep 18, 2014 8:36 pm
 
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 84
Views: 7243

Re: Vanguard's Market Neutral Fund

The expense ratio is 1.6%. Not sure why anyone would want it...
by InvestorNewb
Wed Sep 17, 2014 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Market Neutral Fund
Replies: 4
Views: 544

Re: Good hobby for a bright/obsessive 9 year old?

pennstater2005 wrote:
InvestorNewb wrote:
livesoft wrote:Collecting insects. One can stick pins in them and have a nice display case.

Seems cruel if you ask me. I know kids do cruel things to insects but I wouldn't encourage it.


After they're dead, of course. We did it when I was in elementary school.

Where do you find dead insects?
by InvestorNewb
Mon Sep 15, 2014 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 73
Views: 3214

Re: Good hobby for a bright/obsessive 9 year old?

livesoft wrote:Collecting insects. One can stick pins in them and have a nice display case.

Seems cruel if you ask me. I know kids do cruel things to insects but I wouldn't encourage it.
by InvestorNewb
Mon Sep 15, 2014 2:22 pm
 
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 73
Views: 3214

Angry when stock market is down

Does anyone else get angry/edgy/cranky on days where the stock market is down? In the last couple of days, I find little things "set me off". But maybe it could also be other factors in my life.

For instance, it's annoying to see REITs down 1.8% today. I won't sell, but I'm just annoyed.
by InvestorNewb
Fri Sep 12, 2014 10:50 am
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 4208

Re: Neighborhood kid around 13 throwing rocks at my house

I would first make sure that you have the right kid. Talk to him and tell him know that you know about his rock throwing. Tell him that you will be going to his parents if he doesn't stop. If he continues, go to the parents... They will most likely be thankful that you let them know about their chil...
by InvestorNewb
Fri Sep 12, 2014 8:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3188

Re: How would you handle this situation ?

I would just quit. Start your own potluck with another group of people.
by InvestorNewb
Fri Sep 12, 2014 8:24 am
 
Forum: Personal Consumer Issues
Topic: How would you handle this situation ?
Replies: 33
Views: 2647

Re: Where can I get a [toddler-friendly weekend] job? Update

It's important not to wear yourself out, either. I find that when I overwork/stress I end up getting sick - usually in the form of a cold.

Health needs to be your first priority.
by InvestorNewb
Thu Sep 11, 2014 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where can I get a [toddler-friendly weekend] job? Update
Replies: 33
Views: 3710

Re: Vanguard Lost $50k

I'm happy to hear everything worked out for you.
by InvestorNewb
Thu Sep 11, 2014 1:23 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10818

Why did REITs drop today?

Hello,

I'm trying to figure out why REITs fell 1.58% today, even though the rest of the stock market did okay.

Any ideas as to the reason behind this?
by InvestorNewb
Wed Sep 10, 2014 7:39 pm
 
Forum: Investing - Theory, News & General
Topic: Why did REITs drop today?
Replies: 26
Views: 4169

Re: 50 year old looking for retirement advice & help...

You could also live another 40 years. I wouldn't let age discourage you. 50 is the new 40.
by InvestorNewb
Tue Sep 09, 2014 9:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50 year old looking for retirement advice & help...
Replies: 15
Views: 2025

Re: ROTH IRA - VGSIX vs VNQ

Here is another page on ETFs vs. mutual funds:

http://www.bogleheads.org/wiki/ETFs_vs_mutual_funds
by InvestorNewb
Tue Sep 09, 2014 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA - VGSIX vs VNQ
Replies: 5
Views: 282

Re: Do you keep paper copies of your investment statements?

Are you saying that you download and save electronic copies of your statements, or are you saying that you do not download the electronic statement but instead rely on having access to the electronic statements on the company's website? I currently do not download and save electronic copies of my s...
by InvestorNewb
Tue Sep 09, 2014 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you keep paper copies of your investment statements?
Replies: 33
Views: 1943

Re: Prioritizing: Dream Home vs. Retirement Savings

Personally I would rather use that money to travel. I don't have any desire to own a beach house, or even a cottage. It seems like they are a lot of work to maintain.

Renting sounds like a better idea.
by InvestorNewb
Tue Sep 09, 2014 10:19 am
 
Forum: Personal Consumer Issues
Topic: Prioritizing: Dream Home vs. Retirement Savings
Replies: 33
Views: 2174

Do you keep paper copies of your investment statements?

I recently moved to a new apartment and in an effort to reduce clutter I threw out all of my investment statements from my broker. I still receive a statement every month in the mail and I throw that out too. I find it annoying to keep because the stack gets big and dusty after awhile. In short, is ...
by InvestorNewb
Tue Sep 09, 2014 10:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you keep paper copies of your investment statements?
Replies: 33
Views: 1943

Re: Vanguard Lost $50k

And then it's only about 1% of your assets at Vanguard. You should be proud that it really doesn't matter in the end what happens to this $50K. Really. Net worth is irrelevant here. The bottom line is they somehow managed to misplace 50k and don't appear to be in any hurry to resolve it. OP has eve...
by InvestorNewb
Sat Sep 06, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10818

Re: Own individual stocks? Advisor recommends 20% in blue ch

A 1% fee is too high - I pay 1/10th of that. Total return is what matters.
by InvestorNewb
Fri Sep 05, 2014 6:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Own individual stocks? Advisor recommends 20% in blue chips?
Replies: 38
Views: 2764
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