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Re: Mechanics of paying a financial advisor?

I don't mind writing a check to my investment manager each quarter. I think it is money well spent and I sleep better at night knowing that when I am not be here any longer my spouse will not have to take on a task for which she has no interest or skill. Furthermore, having a trusted investment man...
by John3754
Sun Sep 21, 2014 3:35 pm
 
Forum: Investing - Theory, News & General
Topic: Mechanics of paying a financial advisor?
Replies: 23
Views: 1305

Re: Higher Dividend Three Fund Portfolio Idea

I think your idea is actually a pretty good one. I would wait and this is why: low interest rates are not a secret, everyone knows that rates are very low. Investors have piled into higher yielding investments like higher dividend stocks, REITs, junk bonds, utility stocks, etc. When rates do go up ...
by John3754
Sat Sep 20, 2014 5:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Higher Dividend Three Fund Portfolio Idea
Replies: 15
Views: 1600

Re: Do I Really Need a Million Bucks?

Trader Joe wrote:$1,000,000 would be way too low for our needs. We want to enjoy life to the fullest, not live like paupers.


If having a million dollars in retirement savings means living like a pauper then something is very wrong.
by John3754
Sat Sep 20, 2014 4:42 pm
 
Forum: Personal Consumer Issues
Topic: Do I Really Need a Million Bucks?
Replies: 50
Views: 3459

Re: Higher Dividend Three Fund Portfolio Idea

Why are you focusing on dividends rather than total return for a "long-term, hold, hold, hold" portfolio? I am only considering dividends for reinvestment and growth at this point. That's my point, why do you think the high yield dividend fund is going to be better for total long term gro...
by John3754
Fri Sep 19, 2014 10:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Higher Dividend Three Fund Portfolio Idea
Replies: 15
Views: 1600

Re: Higher Dividend Three Fund Portfolio Idea

Why are you focusing on dividends rather than total return for a "long-term, hold, hold, hold" portfolio?
by John3754
Fri Sep 19, 2014 8:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Higher Dividend Three Fund Portfolio Idea
Replies: 15
Views: 1600

Re: Bonds in portfolios ??

Yes they do.
by John3754
Thu Sep 18, 2014 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds in portfolios ??
Replies: 11
Views: 809

Re: Need for International Investing ?

cashinstinct wrote:Sure.

Dropping International investing because US market did better in the last couple of years...

Market timing, anyone?


Performance chasing.
by John3754
Thu Sep 18, 2014 9:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 56
Views: 2973

Re: Need for International Investing ?

Since, I started my index investing and have allocated 18% into foreign investments - I have only lost money. I have had a gone fishing lazy portfolio for about 3 months and the foreign investments do nothing but go down. I am considering just dropping them - and keeping the total Market Index fund...
by John3754
Thu Sep 18, 2014 9:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 56
Views: 2973

Re: Help! Are we making a huge mistake?

Only you can decide whether returning home is worth giving up $3M or not, but $3M is a lot of money.
by John3754
Thu Sep 18, 2014 9:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Help! Are we making a huge mistake?
Replies: 39
Views: 5027

Re: How often do YOU rebalance and when?

And how exactly am I supposed to know when the market is at its low or high point for the year? Let's discuss that. Suppose it is June 27. Would you say that if the market is at its lowest point of the year on June 27 (so far), that it is at its low point for the year so far? Furthermore, would you...
by John3754
Wed Sep 17, 2014 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: How often do YOU rebalance and when?
Replies: 39
Views: 1965

Re: How often do YOU rebalance and when?

I wanted to add to this thread by saying that one should occasionally work backwards when thinking about this. For best results with rebalances, do you believe that it is best to rebalance into stocks at the market low for the year? And to rebalance out of stocks at the market high for the year? Wo...
by John3754
Wed Sep 17, 2014 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: How often do YOU rebalance and when?
Replies: 39
Views: 1965

Re: Proposed: 35% Maximum Bond Allocation, For Life

With a 2.3% withdrawal rate allocation doesn't matter much, as long as its within reason and you can stay the course and not do something foolish.
by John3754
Wed Sep 17, 2014 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: Proposed: 35% Maximum Bond Allocation, For Life
Replies: 37
Views: 3735

Re: Please critique my 2015 household budget

$5k a year on clothes?
by John3754
Wed Sep 17, 2014 10:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Please critique my 2015 household budget
Replies: 21
Views: 1963

Re: Inflation Bonds - Staying the Course?

I plan on holding my portfolio (hopefully) for the next 50+ years, why should I care what inflation is doing at this particular point in time? Does the fact that inflation is low now mean that I won't need inflation protection at some point over the next 5+ decades?
by John3754
Wed Sep 17, 2014 10:34 am
 
Forum: Investing - Theory, News & General
Topic: Inflation Bonds - Staying the Course?
Replies: 43
Views: 3103

Re: How often do YOU rebalance and when?

I check on my allocation quarterly and rebalance every 6 months, mostly by redirecting new contributions, but occasionally by mild buying/selling in tax advantaged accounts.
by John3754
Tue Sep 16, 2014 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: How often do YOU rebalance and when?
Replies: 39
Views: 1965

Re: Why Invest in Bonds in your early 30s?

How would you feel if 40% of your life savings evaporated?
by John3754
Mon Sep 15, 2014 5:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Invest in Bonds in your early 30s?
Replies: 43
Views: 3536

Re: Angry when stock market is down

InvestorNewb, I don't know you and I don't know anything about you...other than the fact that you have 100% stocks with a big REIT tilt and every time the stock/REIT market dips 2% you come on here and post about how upset you are. I've said it before...a number of times...but I guess I'll say it ag...
by John3754
Fri Sep 12, 2014 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 4015

Re: Angry when stock market is down

Your posts are like a broken record, when are you going to get a grip on reality?
by John3754
Fri Sep 12, 2014 12:29 pm
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 4015

Re: How would you handle this situation ?

I'd just quit the group, they seem like jerks and a "homogeneous cultural group" sounds boring anyway.
by John3754
Fri Sep 12, 2014 9:07 am
 
Forum: Personal Consumer Issues
Topic: How would you handle this situation ?
Replies: 33
Views: 2609

Re: Neighborhood kid around 13 throwing rocks at my house

I wouldn't try to reason with a child, I'd go to the parents and tell them what's going on.
by John3754
Fri Sep 12, 2014 7:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Neighborhood kid around 13 throwing rocks at my house
Replies: 55
Views: 3108

Re: Future direction of U.S. stock market

https://www.google.com/finance?chdnp=1&chdd=1&chds=1&chdv=1&chvs=maximized&chdeh=0&chfdeh=0&chdet=1410379200000&chddm=488750&chls=IntervalBasedLine&q=INDEXSP:.INX&ntsp=0&ei=6qsQVNDVPMOw8gblnoHwBQ What observation/conclusion can you make by looking at ...
by John3754
Wed Sep 10, 2014 8:40 pm
 
Forum: Investing - Theory, News & General
Topic: Future direction of U.S. stock market
Replies: 23
Views: 2245

Re: would like to protect principal

lotsofquestions wrote:45, and my only investing experience is with my 401K, which has 170k, and is 40/60 stocks/stable fund.


Would you be comfortable with the $500k having the same amount of principal fluctuation as your 401k?
by John3754
Wed Sep 10, 2014 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: would like to protect principal
Replies: 15
Views: 984

Re: would like to protect principal

Thanks for the replies so far. To clarify: I'd like to earn 3-5%+ and am willing to take on some risk for that. It has 10 years to grow. My tolerance for large fluctuations in value is low, and I don't NEED a great deal of growth (but do need to best inflation). I know that one cannt time the marke...
by John3754
Wed Sep 10, 2014 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: would like to protect principal
Replies: 15
Views: 984

Re: would like to protect principal

I would recommend CDs.
by John3754
Wed Sep 10, 2014 5:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: would like to protect principal
Replies: 15
Views: 984

Re: Total World is 50% Intl?!

Recommendations for international allocation range from 0% to market cap. The total world index represents the market cap, nothing more nothing less, if you don't want the market cap either don't use it or use it in combination with something else.
by John3754
Tue Sep 09, 2014 6:09 pm
 
Forum: Investing - Theory, News & General
Topic: Total World is 50% Intl?!
Replies: 17
Views: 2194

Re: So far, so good? Vanguard Total International Bond

Leeraar wrote:What do the pundits and cogniscenti say now? Seriously, any comments will be appreciated.


Here's my comment: Comparing the performance of these two funds over the past year means absolutely positively nothing, it's not useful or meaningful in any way whatsoever.
by John3754
Sun Sep 07, 2014 2:58 pm
 
Forum: Investing - Theory, News & General
Topic: So far, so good? Vanguard Total International Bond
Replies: 44
Views: 3851

Re: Poll: Cash Holdings

I don't understand the 0% answer, unless this is "under the mattress only". How does one operate with 0% ? Except for my emergency fund and what I need for the following months expenses I hold 0% cash. But that is not the poll question. The poll asked what percentage of your portfolio is ...
by John3754
Sun Sep 07, 2014 8:50 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Cash Holdings
Replies: 65
Views: 3621

Re: Poll: Cash Holdings

sperry8 wrote:I wonder - of the people holding 4% or less - is that because you are all in on purpose or broke (simply don't have any cash to hold)?


Fully invested on purpose.
by John3754
Sun Sep 07, 2014 8:49 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Cash Holdings
Replies: 65
Views: 3621

Re: Need advice on short-term (bond) mutual funds

Have you considered a 2 year CD as an option?
by John3754
Sun Sep 07, 2014 2:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Need advice on short-term (bond) mutual funds
Replies: 10
Views: 782

Re: What do you measure your AA against?

I don't measure it against anything, what would I even do with the information?
by John3754
Sun Sep 07, 2014 2:15 am
 
Forum: Personal Finance (Not Investing)
Topic: What do you measure your AA against?
Replies: 20
Views: 1117

Re: Considering divesting international position...

Performance chasing is not a good investment strategy.
by John3754
Sat Sep 06, 2014 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering divesting international position...
Replies: 12
Views: 589

Re: between rebalancing, Stocks or bonds?

Two reasons: 1) I'm going to be traveling quite a bit and just want to deploy cash in one order instead of doing another rebalancing so soon. 2) The funds were just rebalanced a month ago. I'm assuming they are pretty balanced at this moment. These seem like all the more reason to split it up and i...
by John3754
Sat Sep 06, 2014 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: between rebalancing, Stocks or bonds?
Replies: 8
Views: 334

Re: between rebalancing, Stocks or bonds?

I would split it up in whatever way necessary to keep things balanced...why throw things out of balance when you don't have to?
by John3754
Sat Sep 06, 2014 4:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: between rebalancing, Stocks or bonds?
Replies: 8
Views: 334

Do you consider your emergency fund part of your portfolio?

Do you consider your emergency fund part of your portfolio, yes or no? Thanks.
by John3754
Fri Sep 05, 2014 6:15 pm
 
Forum: Investing - Theory, News & General
Topic: Do you consider your emergency fund part of your portfolio?
Replies: 50
Views: 3044

Re: Poll: Cash Holdings

I don't understand the 0% answer, unless this is "under the mattress only". How does one operate with 0% ? Except for my emergency fund and what I need for the following months expenses I hold 0% cash. But that is not the poll question. The poll asked what percentage of your portfolio is ...
by John3754
Fri Sep 05, 2014 5:57 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Cash Holdings
Replies: 65
Views: 3621

Re: Poll: Cash Holdings

sdsailing wrote:I don't understand the 0% answer, unless this is "under the mattress only". How does one operate with 0% ?


Except for my emergency fund and what I need for the following months expenses I hold 0% cash.
by John3754
Fri Sep 05, 2014 5:36 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Cash Holdings
Replies: 65
Views: 3621

Re: Holding Cash because Tried to time Market

Thanks for the advice. My concern is that I'll start investing and then 2007 will happen again. I hear many well-informed analysts out there saying that the market should drop significantly in the next six months, but I've been hearing that for two years. Was originally intending to wait for antici...
by John3754
Thu Sep 04, 2014 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Holding Cash because Tried to time Market
Replies: 78
Views: 6257

Re: Do I need bonds?

OK, I understand what many of you are saying about real estate risk -- a crash would make it difficult to sell at a time I'm most likely to need the money, so real estate is more stock-like than bond-like. So, say I acquired enough real estate that income from rents covered all of my monthly expens...
by John3754
Wed Sep 03, 2014 8:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I need bonds?
Replies: 43
Views: 2730

Re: Do I need bonds?

OK, I understand what many of you are saying about real estate risk -- a crash would make it difficult to sell at a time I'm most likely to need the money, so real estate is more stock-like than bond-like. So, say I acquired enough real estate that income from rents covered all of my monthly expens...
by John3754
Wed Sep 03, 2014 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I need bonds?
Replies: 43
Views: 2730

Re: Wouldn't rebalancing minimize the gains of value tilting

Rebalancing is about maintaining risk, not maximizing gains.
by John3754
Wed Sep 03, 2014 8:05 am
 
Forum: Investing - Theory, News & General
Topic: Wouldn't rebalancing minimize the gains of value tilting?
Replies: 4
Views: 388

Re: Has VMMXX been good to you?

It was very very good back in 1982. OMG, back in the early 80's, thanks to hyper-inflation, savers were getting 10%+ on deposit accounts, more on CDs. Locked in a ten-year CD for my Daughter at 10% back in 1980. You'd walk down the street in the Financial District in San Francisco in the early 80's...
by John3754
Tue Sep 02, 2014 10:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Has VMMXX been good to you?
Replies: 11
Views: 626

Re: Do I need bonds?

If the market crashed and you lost your job what would you live off of? Does your spouse work? Does your rental income cover 100% of your living expenses? If the answer to these questions is "no" then how would you make up the difference? What would happen if your portfolio lost 50+% of it...
by John3754
Tue Sep 02, 2014 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I need bonds?
Replies: 43
Views: 2730

Re: struggling to understand "bond crash"

The articles you're reading are just noise, ignore the noise and you'll be better off.
by John3754
Mon Sep 01, 2014 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: struggling to understand "bond crash"
Replies: 13
Views: 2035

Re: Probability question

The odds do not change, the odds of him drawing the #1 three years in a row is 1/12x1/12x1/12, but the odds of him picking #1 in any given single year is still 1/12. The belief that him picking the #1 for the last two years lowers his chances of picking it again next year is called "the gambler...
by John3754
Fri Aug 29, 2014 3:23 pm
 
Forum: Personal Consumer Issues
Topic: Probability question
Replies: 14
Views: 1146

Re: Can/do you sell bonds to purchase stocks?

What you are proposing is rebalancing your stocks:bonds asset allocation back to your nominal values whenever stocks drop in value. For example, suppose you want an asset allocation of 90:10 and if stocks dropped so your asset allocation was 85:15, then you can exchange from bond fund to equity fun...
by John3754
Wed Aug 27, 2014 1:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can/do you sell bonds to purchase stocks?
Replies: 19
Views: 934

Re: Warren Buffet and the S&P index fund

Because it's simple.
by John3754
Wed Aug 27, 2014 1:29 pm
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett and the S&P index fund
Replies: 23
Views: 1756

Re: Can/do you sell bonds to purchase stocks?

What you're proposing is market timing, which you won't find much support for on this forum.
by John3754
Wed Aug 27, 2014 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can/do you sell bonds to purchase stocks?
Replies: 19
Views: 934

Re: AA of 60/40 for your Lifetime?

The more stocks you have, the better you do, but you have a higher chance for poor results. Risk vs. Reward. It appears fairly monotonic but I haven't plotted it out. If so, no sweet spot. There may not be a nominal "sweet spot" but that doesn't mean there isn't a risk adjusted "swee...
by John3754
Wed Aug 27, 2014 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: AA of 60/40 for your Lifetime?
Replies: 27
Views: 2346
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