Search found 1208 matches

by John3754
Wed Sep 02, 2015 10:42 am
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 103
Views: 5658

Re: Selling all equities, discuss why I'm wrong. :)

OP, what are you going to do if stock go up instead of down as you're forecasting? What's your plan of action?
by John3754
Wed Sep 02, 2015 8:29 am
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 103
Views: 5658

Re: Selling all equities, discuss why I'm wrong. :)

Did you sell and go to cash or rebalance into bonds? I would submit that if you went to cash, you may have done what a lot of people do....sell low then when the market bounces up, buy back in high. If, on the other hand, you sold-to-buy in bonds, then this could be considered rebalancing and if yo...
by John3754
Sun Aug 30, 2015 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Blue collar worker and millionaire dream
Replies: 32
Views: 4365

Re: Blue collar worker and millionaire dream

Read The Millionaire Next Door By Thomas J. Stanley‎.
by John3754
Sat Aug 29, 2015 9:08 pm
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 116
Views: 6071

Re: Aug 2015 correction: what Bogleheads did...

I haven't even looked at my portfolio in weeks and I don't care what Livesoft says.
by John3754
Sat Aug 29, 2015 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Optimal Fund for Rising Interest Rates
Replies: 2
Views: 220

Re: Optimal Fund for Rising Interest Rates

Have you considered CDs?
by John3754
Sat Aug 29, 2015 10:19 am
Forum: Investing - Theory, News & General
Topic: Reblancing
Replies: 17
Views: 1111

Re: Reblancing

I rebalance mostly by directing new contributions and accumulated dividends to the asset that is lagging my target. The pros are that I don't have to worry about frequent trading policies and I don't trigger any taxable events. There are no cons that I can think of, at some point though your contrib...
by John3754
Sat Aug 29, 2015 8:37 am
Forum: Investing - Theory, News & General
Topic: 100% Equities?
Replies: 76
Views: 4957

Re: 100% Equities?

I've seen plenty "what to do" threads recently and deliberations about whether to sell bonds and rebalance into equities. For those of us who don't own bonds / bond funds for whatever reason (hopefully due to risk based asset allocation), this thread is for us. I don't want to hear about ...
by John3754
Fri Aug 28, 2015 9:59 pm
Forum: Investing - Theory, News & General
Topic: Can the market go up forever?
Replies: 80
Views: 5523

Re: Can the market go up forever?

We have no idea what the limits of technology are.
by John3754
Thu Aug 27, 2015 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: international bond fund
Replies: 4
Views: 729

Re: international bond fund

Seems reasonable. Did you have a specific question?
by John3754
Wed Aug 26, 2015 10:49 pm
Forum: Personal Consumer Issues
Topic: Has anyone actually used gold or silver coins for a purchase?
Replies: 57
Views: 4417

Re: Has anyone actually used gold or silver coins for a purchase?

I've seen it claimed many times that gold is currency. Here's my problem... Can I walk into a supermarket and pay for groceries with gold bullion? Can I go to a gas station and pay for a tank of gas with gold bullion? Can I eat at a restaurant and pay for the meal with gold bullion? Can I go to a c...
by John3754
Wed Aug 26, 2015 9:16 pm
Forum: Personal Consumer Issues
Topic: Has anyone actually used gold or silver coins for a purchase?
Replies: 57
Views: 4417

Re: Has anyone actually used gold or silver coins for a purchase?

LoveMyDog wrote:Image

It's a $50 coin essentially...


That will cost you over $1,000 to purchase...
by John3754
Wed Aug 26, 2015 9:11 pm
Forum: Personal Consumer Issues
Topic: Has anyone actually used gold or silver coins for a purchase?
Replies: 57
Views: 4417

Re: Has anyone actually used gold or silver coins for a purchase?

I've seen it claimed many times that gold is currency. Here's my problem... Can I walk into a supermarket and pay for groceries with gold bullion? Can I go to a gas station and pay for a tank of gas with gold bullion? Can I eat at a restaurant and pay for the meal with gold bullion? Can I go to a ca...
by John3754
Tue Aug 25, 2015 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Yet another TLH question - Are most of you switching back after 30/60 days?
Replies: 27
Views: 2179

Re: Yet another TLH question - Are most of you switching back after 30/60 days?

sfchris wrote:
Grt2bOutdoors wrote:VOO + VXF = VTI Therefore, there are many roads to Dublin, if you wanted to approximate VTI you could have purchased 70% VOO and 30% VXF. :)


I cannot buy VOO + VXF as a replacement. That would be a wash.


No it wouldn't.
by John3754
Tue Aug 25, 2015 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Considering 401k Reblance - Foreign Stocks?
Replies: 5
Views: 256

Re: Considering 401k Reblance - Foreign Stocks?

Why do you want to do this now? What's your reasoning behind it?
by John3754
Mon Aug 24, 2015 9:23 pm
Forum: Personal Consumer Issues
Topic: Buy and hold Apple shares
Replies: 8
Views: 1583

Re: Buy and hold Apple shares

anonforthis wrote:Will we come out ahead with this decision?


Answering this question would require us to be able to tell the future.
by John3754
Mon Aug 24, 2015 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss VTIAX
Replies: 10
Views: 708

Re: Tax loss VTIAX

Exchange it for VFWAX.
by John3754
Sun Aug 23, 2015 9:25 pm
Forum: Investing - Theory, News & General
Topic: How are you being GREEDY when others are fearful?
Replies: 84
Views: 11467

Re: How are you being greedy when others are fearful?

Ignore the noise and stay the course.
by John3754
Sun Aug 23, 2015 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: waiting on the side-lines
Replies: 9
Views: 1027

Re: waiting on the side-lines

ptb wrote:very well, I will wait for 20% correction when DOW hits 14,681 then come back to this board for answers


And what if that doesn't happen? What will you do then?
by John3754
Sat Aug 22, 2015 12:16 pm
Forum: Investing - Theory, News & General
Topic: Deciding allocation for new investments during a market correction or possibly a Bear market
Replies: 17
Views: 932

Re: Deciding allocation for new investments during a market correction or possibly a Bear market

Seriously guys, he wants to direct new money into underperforming asset classes (stocks). You guys would all approve if he described it in a way we could better understand. RetireWellRN, is this what you're asking? Are you saying that you want to direct your new contributions towards stocks because...
by John3754
Sat Aug 22, 2015 12:00 pm
Forum: Investing - Theory, News & General
Topic: A warning on RBDs [Really Bad Days]
Replies: 46
Views: 6821

Re: A warning on RBDs

To underline what livesoft is saying: market movements are not smooth, on any time scale. It seems to be almost impossible to "feel" this intuitively, the actual complexity of the past movements is far too complicated for anyone--or at least most people--to remember. We smooth, we simplif...
by John3754
Sat Aug 22, 2015 11:39 am
Forum: Investing - Theory, News & General
Topic: Deciding allocation for new investments during a market correction or possibly a Bear market
Replies: 17
Views: 932

Re: Deciding allocation for new investments during a market correction or possibly a Bear market

I plan to use the value of the market before the correction as the trigger when I switch my future allocations back to the my existing portfolio (75/25 stock/bond mutual funds) and rebalance my portfolio back to 75/25 ratio. So you're saying you don't want to buy equities because they've dropped 6%...
by John3754
Sat Aug 22, 2015 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Fund of Fund Questions
Replies: 4
Views: 557

Re: Fund of Fund Questions

Yes..
by John3754
Wed Aug 19, 2015 11:37 am
Forum: Investing - Theory, News & General
Topic: A deeper look at gold. What's the "right" price?
Replies: 45
Views: 3118

Re: A deeper look at gold. What's the "right" price?

I claim that getting drunk and then driving will cause you to crash your car, your analysis is like saying "I crashed my car when I was sober therefore getting drunk doesn't cause you to crash your car." I disagree with your example. Crashing while sober would indicate that driving drunk ...
by John3754
Wed Aug 19, 2015 8:51 am
Forum: Investing - Theory, News & General
Topic: A deeper look at gold. What's the "right" price?
Replies: 45
Views: 3118

Re: A deeper look at gold. What's the "right" price?

Larry, to be fair to gold advocates, at least some of them in this have been clear that the claim that gold is an "inflation hedge" does not mean constant real value, but rather that it has a true insurance-like hedging function. The claim is that gold actually is a poor investment most o...
by John3754
Tue Aug 18, 2015 11:53 am
Forum: Investing - Theory, News & General
Topic: Should you own foreign stocks?
Replies: 67
Views: 4352

Re: Should you own foreign stocks?

The past doesn't predict the future. Thanks for that bit of insight. But I would then ask what is your justification for investing in anything, international included? Rick's article, Vanguard white papers, analyst recommendations - they are all based on what we know about securities, and knowledge...
by John3754
Tue Aug 18, 2015 9:16 am
Forum: Investing - Theory, News & General
Topic: Should you own foreign stocks?
Replies: 67
Views: 4352

Re: Should you own foreign stocks?

The benefit of diversification by adding international equities to the 3000+ stocks one gets in TSM really comes down to correlation. The long term trend is that international is becoming increasingly well correlated to US equities. Any benefit that existed in the past is diminishing. The following...
by John3754
Sun Aug 16, 2015 6:49 pm
Forum: Investing - Theory, News & General
Topic: When do you notice the compounding at work?
Replies: 52
Views: 7336

Re: When do you notice the compounding at work?

dbr, so, you're agreeing with me? Equities might (or might not) "grow", but they most assuredly do not "compound" in the technical sense. The technical definition of compounding is generating earnings from previous earnings. That's it, that's all it means. So you're saying that ...
by John3754
Thu Aug 13, 2015 6:10 am
Forum: Investing - Theory, News & General
Topic: What is going on out there?
Replies: 43
Views: 6412

Re: What is going on out there?

This is correct. I am happy not to play, although I am one of the very few on this forum who do not own shares or index funds of any type, feeling lonely sometimes :happy No one said you had to play. Most people don't have the means to have a withdrawal rate low enough that they don't need to inves...
by John3754
Mon Aug 10, 2015 10:52 pm
Forum: Investing - Theory, News & General
Topic: What is going on out there?
Replies: 43
Views: 6412

Re: What is going on out there?

You should stop watching, why does it matter to you what the market does on a day to day, hour to hour basis?
by John3754
Mon Aug 10, 2015 10:02 pm
Forum: Personal Consumer Issues
Topic: Interesting comment from a gold/silver dealer today
Replies: 27
Views: 2323

Re: Interesting comment from a gold/silver dealer today

What % over spot did you pay?
by John3754
Mon Aug 10, 2015 7:30 pm
Forum: Investing - Theory, News & General
Topic: Front-End Loads: Are They Really THAT Big of a Deal?
Replies: 60
Views: 4530

Re: Front-End Loads: Are They Really THAT Big of a Deal?

...This is definitively more than nothing, but is it really something to get worked up about? I see many posters saying that front-end loaded funds should be avoided at all costs... Whether or not it's "something to get worked up about" is a subjective question, but that aside, let me ask...
by John3754
Sun Aug 09, 2015 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: 100% bond portfolio
Replies: 35
Views: 3066

Re: 100% bond portfolio

How old is this friend and what is their planned withdrawal rate?
by John3754
Fri Aug 07, 2015 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Monthly rebalancing question
Replies: 7
Views: 275

Re: Monthly rebalancing question

There's absolutely nothing wrong with what you're doing. I call it "rebalancing with new contributions".
by John3754
Thu Aug 06, 2015 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Put all my TSP in G fund ??
Replies: 17
Views: 1515

Re: Put all my TSP in G fund ??

riptide wrote:should I just keep watching my TSP going down?? :shock:


No, you should stop watching.

Sounds to me like you've over estimated your risk tolerance.
by John3754
Mon Aug 03, 2015 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Which debt to work on next?
Replies: 31
Views: 2628

Re: Which debt to work on next?

Would you go borrow $53,000 and $57,000 at 1.5% in order to do after tax investing?. I did this many times when I was in my 30's and 40's. Credit card companies used to offer 0% interest, 12 - months cash advances and I took full advantage of many of those offers. This strategy worked out great for...
by John3754
Sun Aug 02, 2015 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Which debt to work on next?
Replies: 31
Views: 2628

Re: Which debt to work on next?

Lots of people here are saying to pay off the student loans, but I don't agree. While there can be an emotional benefit to paying off debt regardless of the interest rate, it doesn't always make mathematical/financial sense. Many will say that paying off the loan gives you a guaranteed 1.5% return, ...
by John3754
Sat Aug 01, 2015 11:38 am
Forum: Investing - Theory, News & General
Topic: Which is more optimal in retirement? Total return vs. income investing
Replies: 41
Views: 3562

Re: Which is more optimal in retirement? Total return vs. income investing

I use a total return strategy because total return is what matters. "Income" investing is just mental accounting, dollars are dollars, when you spend them it doesn't make any difference whether they came from dividends or capital gains.
by John3754
Thu Jul 30, 2015 6:41 pm
Forum: Investing - Theory, News & General
Topic: Vang Mid Cap Index VS Total Stock Market
Replies: 6
Views: 803

Re: Vang Mid Cap Index VS Total Stock Market

cp73 wrote:Any thoughts or comments as to why this may not be a good move or things to consider.


My thoughts are that performance chasing is a very poor strategy.
by John3754
Wed Jul 29, 2015 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 81
Views: 7949

Re: Could John Bogle Be Right About International Stock?

Yes, it is possible that John Bogle is right. It is also possible that he is wrong. Unfortunately, knowing which is the case requires knowledge of the future, which nobody has.
by John3754
Mon Jul 27, 2015 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: How long until a $10,000 loss matters?
Replies: 39
Views: 3441

Re: How long until a $10,000 loss matters?

Absolute amounts aside as they will obviously vary based on the size of your portfolio, if you're not financially and mentally prepared for a 30+% "loss" on the equity side of your portfolio then you may be overestimating your risk tolerance. For example, if you have a $1M portfolio that's...
by John3754
Sat Jul 25, 2015 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Protection against stock correctiom
Replies: 25
Views: 2596

Re: Protection against stock correctiom

For the sake of argument, I'm going to say high quality bonds are the best protection against a stock market correction.
by John3754
Fri Jul 24, 2015 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep/park your emergency fund?
Replies: 54
Views: 6487

Re: Where do you keep/park your emergency fund?

1st Tier: Vanguard Limited-Term Tax-Exempt Fund Admiral Shares (VMLUX).

2nd Tier: Series I Bonds.
by John3754
Mon Jul 20, 2015 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Need help reinvesting.
Replies: 4
Views: 392

Re: Need help reinvesting.

Any suggestions? Yes, these are my suggestions: 1 Develop a workable plan 2 Invest early and often 3 Never bear too much or too little risk 4 Diversify 5 Never try to time the market 6 Use index funds when possible 7 Keep costs low 8 Minimize taxes 9 Invest with simplicity 10 Stay the course https:...
by John3754
Thu Jul 16, 2015 4:46 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle in this Month's Money Magazine
Replies: 79
Views: 8610

Re: Jack Bogle in this Month's Money Magazine

Stemiker, Thanks for the update. It reinforces my feeling that international is not critical. After all since 4-29-96, the beginning of VGTSX, it has underperformed VTSMX $24k-$46k. This is not an insignificant amount, and using any other dates of comparison is cherry picking. Greg Yes, and we all ...
by John3754
Wed Jul 15, 2015 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Best place for ~$5k? Need low risk
Replies: 15
Views: 1493

Re: Best place for ~$5k? Need low risk

Your options are savings accounts or possibly short term bond funds, but he will have to be able to tolerate SOME risk with those. Nothing else that I can think of fits your criteria. Series I Bonds may be another option but they have to be "locked up" for 1 year before they can be withdra...
by John3754
Wed Jul 15, 2015 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Best place for ~$5k? Need low risk
Replies: 15
Views: 1493

Re: Best place for ~$5k? Need low risk

When do you need the money? Low risk or no risk?

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