Search found 145 matches

by MKP
Sat Aug 29, 2015 8:12 pm
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 116
Views: 6065

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

I tax loss harvested and bought some energy index and small value with some play money.
by MKP
Mon Aug 24, 2015 7:39 pm
Forum: Investing - Theory, News & General
Topic: Was vanguard.com slow for anyone else this morning?
Replies: 37
Views: 2561

Re: Was vanguard.com slow for anyone else this morning?

yes - and all my trades through the brokerage were getting halted. :twisted:
by MKP
Mon Aug 24, 2015 7:33 pm
Forum: Investing - Theory, News & General
Topic: VHT down 27% - Glitch or missed opportunity
Replies: 59
Views: 6914

Re: VHT down 27% - Glitch or missed opportunity

Dont feel too bad. I was active at the time and most everything that was significantly on sale was halted.
by MKP
Mon Aug 24, 2015 6:02 am
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?

4nursebee wrote:I just changed our 401K contributions from 5% pre tax to 25% pre tax.


I did this a couple of weeks prior to the major drop - first contribution went in on thursday....

:beer
by MKP
Sun Aug 23, 2015 8:21 am
Forum: Investing - Theory, News & General
Topic: Kind of getting excited about energy stocks
Replies: 50
Views: 4524

Re: Kind of getting excited about energy stocks

You can now buy VDE at early 2007 prices. At a certain point, you're getting some very good companies at a very good price. I have no idea where the trough is, but I do like the idea of buying something at a price it was at almost a decade ago. T he question is, has the world changed? In 2007, we w...
by MKP
Sat Aug 22, 2015 10:17 pm
Forum: Investing - Theory, News & General
Topic: A warning on RBDs [Really Bad Days]
Replies: 46
Views: 6821

Re: A warning on RBDs [Really Bad Days]

jalbert wrote:A better strategy is to decide on rebalancing criteria when the market is boring, and then grit your teeth and stick to them when the market is more interesting.

-jalbert


And when in doubt, do nothing
by MKP
Thu Aug 20, 2015 9:28 pm
Forum: Investing - Theory, News & General
Topic: VWO seems cheap right now
Replies: 173
Views: 25268

Re: VWO seems cheap right now

tfb wrote:
sperry8 wrote:I still say $37 is the magic number... with China nosediving it may touch that all too soon.

I'm surprised this thread didn't get bumped up. A hair under $35 now.


I will buy in droves at $20. $35 still seems too high based on the currency and economic risk.
by MKP
Thu Aug 20, 2015 8:53 pm
Forum: Investing - Theory, News & General
Topic: A bad day on Wall Street -- A good day for the media.
Replies: 51
Views: 5587

Re: A bad day on Wall Street -- A good day for the media.

UADM wrote:I keep saying that the fact that the market rebounded after 2008 into the biggest run in history taught people the wrong lesson... Sigh.


Yes, people forgot that stocks could go down.
by MKP
Thu Aug 20, 2015 8:40 pm
Forum: Investing - Theory, News & General
Topic: A bad day on Wall Street -- A good day for the media.
Replies: 51
Views: 5587

Re: A bad day on Wall Street -- A good day for the media.

My 401K contribution went in today. #winning.
by MKP
Thu Aug 20, 2015 8:38 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 10149

Re: anyone treating this as an RBD (really bad day)

i think everyone (media) is completely out of their minds. The S&P is 5% off it's all time high, that is not that bad. I don't look at the DOW because it is a stupid index.
by MKP
Wed Aug 19, 2015 7:32 pm
Forum: Investing - Theory, News & General
Topic: Piling into emerging markets
Replies: 67
Views: 7821

Re: Piling into emerging markets

It is not just the fall, but lack of growth in EM for past 5 years. It went on to value scale during the time as it went from 17 p/E to 12 right now. However, the correlation was expected to be inline around 0.7 against total stock market based on "historical data". Very good demonstratio...
by MKP
Sun Aug 09, 2015 1:05 pm
Forum: Investing - Theory, News & General
Topic: The folly of the dividend yield
Replies: 73
Views: 6544

Re: The folly of the dividend yield

Ah, the boglhead crusade against dividends continues. So misguided and an utter waste of energy. I would offer that some here go back to investing 101 and relearn a few things. Companies have earnings, some companies choose to share those earnings with the company owners and pay a dividend. The end...
by MKP
Tue Aug 04, 2015 7:48 pm
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting VDE for VGENX
Replies: 7
Views: 712

Re: Tax loss harvesting VDE for VGENX

VDE and Vgenx are different funds. VDE is an index and VGENX is an active fund. I believe you can do this without a wash sale penalty.
by MKP
Wed Jul 08, 2015 7:12 am
Forum: Investing - Theory, News & General
Topic: "Vanguard's recommended international allocation."
Replies: 63
Views: 6883

Re: "Vanguard's recommended international allocation."

I let mine move around between 30-40% of my stock allocation. P/B is very low on intl....
by MKP
Fri Apr 24, 2015 7:58 pm
Forum: Investing - Theory, News & General
Topic: Who follows Age in Bonds
Replies: 62
Views: 5681

Re: Who follows Age in Bonds

cjackson0 wrote:Wow. I must be the only one actually (roughly) following age in bonds.


I am pretty close.
by MKP
Thu Apr 09, 2015 9:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: One Third of 401k Participants Not Maxing Match
Replies: 13
Views: 1822

Re: Vanguard: One Third of 401k Participants Not Maxing Mat

my company used to be a match of 5% with the participant's contribution of 1%. They just changed it to: to get the 5% you have to contribute 5%.
by MKP
Fri Apr 03, 2015 9:20 pm
Forum: Investing - Theory, News & General
Topic: How did your 401k and IRA do 1st quarter?
Replies: 28
Views: 2241

Re: How did your 401k and IRA do 1st quarter?

In my 401K I pulled 2.6% with a 90/10 stock bond allocation. 30% of the stock is in international. I dont know where to find the info for Vanguard, which has significant small value/international and int bond holdings.
by MKP
Mon Mar 23, 2015 5:25 pm
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 235
Views: 28039

Re: Who should be concerned?

I was considering these funds as a way to simplify my portfolio down the road. My wife is not investment savvy and making things simple for her is a concern. I was not thrilled when VG increased the equity allocation of these funds awhile back and again when they added international bonds. I can't ...
by MKP
Sun Mar 22, 2015 2:52 pm
Forum: Investing - Theory, News & General
Topic: How do you invest your taxable account?
Replies: 69
Views: 9103

Re: How do you invest your taxable account?

I disagree with most of these replies. ... According to my calculations, based on my tax situation (39.6% fed + 8.97% state) , putting the fastest growing investments into tax-deferred space to avoid dividend and capital gains taxes and to "expand" the 401k/IRA/Roth space will result in M...
by MKP
Sat Mar 21, 2015 8:25 pm
Forum: Investing - Theory, News & General
Topic: How do you invest your taxable account?
Replies: 69
Views: 9103

Re: How do you invest your taxable account?

s&p500 with TLH to total market
by MKP
Sat Mar 21, 2015 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Does your CPA/Tax Person help with reducing your taxes?
Replies: 66
Views: 6750

Re: Does your CPA/Tax Person help with reducing your taxes?

CPAs are obligated by the profession to not have you pay more than you owe based on the information you have provided. They are not obligated to provide you with strategies that would ultimately change the information you provide in the next tax year. I am probably going to open a Tax practice (on m...
by MKP
Mon Mar 16, 2015 7:19 pm
Forum: Investing - Theory, News & General
Topic: Poll: When to pay down debt rather than invest
Replies: 49
Views: 4684

Re: Poll: When to pay down debt rather than invest

I wont pay anything down that is less than annual real inflation.

.9 or 1.9% car loan...nope.

3.125% mortgage...nope.
by MKP
Fri Mar 13, 2015 8:29 pm
Forum: Investing - Theory, News & General
Topic: American Funds beats the market 97% of the time?
Replies: 50
Views: 6008

Re: American Funds beats the market 97% of the time?

compared to other load funds.

that is like saying my pile of dirty laundry smells cleaner than your dirty laundry. At the end of the day, they both stink.
by MKP
Thu Mar 12, 2015 5:39 pm
Forum: Investing - Theory, News & General
Topic: Finra raps UBS, Vanguard with fines totaling $850,000
Replies: 23
Views: 3216

Re: Finra raps UBS, Vanguard with fines totaling $850,000

ShiftF5 wrote:Ouch.


they wont even notice $350K.
by MKP
Sun Mar 08, 2015 5:41 pm
Forum: Investing - Theory, News & General
Topic: interest rate increase looming. what you gonna do ?
Replies: 65
Views: 7319

Re: interest rate increase looming. what you gonna do ?

anotherITguy wrote:Would moving $ from TSP G to TSP C/S after the rate increase be seen as timing the market?


To time the market for the expected increase, you sold have moved from stocks to bonds on Friday.

I had some big contributions to make...so I did then on Friday.
by MKP
Sat Mar 07, 2015 8:13 pm
Forum: Investing - Theory, News & General
Topic: interest rate increase looming. what you gonna do ?
Replies: 65
Views: 7319

Re: interest rate increase looming. what you gonna do ?

My current Bond AA is: GIC (through 401-K): 17% of bond portion VBIRX (Vanguard Short-Term Bond: 70.5% of bond portion I Bonds: 12.5% of bond portion My bonds are 32.9% of total portfolio. I would like to move my VBIRX to a fund with a longer duration, but I've been waiting on interest rates to ris...
by MKP
Sat Mar 07, 2015 11:39 am
Forum: Investing - Theory, News & General
Topic: Vanguard Utilities Index
Replies: 3
Views: 428

Re: Vanguard Utilities Index

People flocked to utilities due to the higher distributions they offer relative to other sectors. If rates are raised-those distributions wont look as appealing. People appear to be front-running the rate rise.
by MKP
Mon Feb 16, 2015 8:00 pm
Forum: Investing - Theory, News & General
Topic: Average amount saved for retirement by age
Replies: 133
Views: 29399

Re:

While it is great that this worked out for you, saving over half of your retirement assets in the last 5 years of working is dangerous to say the least. A real story: What this person saved. Not enough, you would say, but.... It has worked out. It wasn't because of spending...it was income and takin...
by MKP
Sun Feb 15, 2015 8:19 pm
Forum: Investing - Theory, News & General
Topic: why stocks outperform other asset classes in the long run ?
Replies: 51
Views: 4008

Re: why stocks outperform other asset classes in the long ru

Caduceus wrote:If I were a company, and I could borrow money at a 4% interest rate, but could not find any capital projects with an anticipated return in excess of 4%, I would not (or should not) borrow the money.


unless you wanted to use the cash to buy back your shares...har har. :sharebeer
by MKP
Sat Jan 31, 2015 2:13 pm
Forum: Investing - Theory, News & General
Topic: When should you stop contributing to an HSA?
Replies: 31
Views: 2275

Re: When should you stop contributing to an HSA?

If I could I would max my HSA every year and treat it as a Roth IRA (read: retirement savings) with extra perks. I see no reason to do otherwise. Isn't it more like a traditional IRA for non-medical expenses? Yes, but there is no way that your or your dependents will never have a medical expense fo...
by MKP
Sat Jan 31, 2015 2:11 pm
Forum: Investing - Theory, News & General
Topic: Any other investors with 70/30 portfolio?
Replies: 71
Views: 9150

Re: Any other investors with 70/30 portfolio?

I am at 72/27 I am turning 31 and am doing age-5 in bonds.

I save a lot so I dont feel like i need to take as much risk.
by MKP
Sun Jan 18, 2015 11:50 am
Forum: Investing - Theory, News & General
Topic: US/foreign allocation under massive relative US drop
Replies: 21
Views: 1565

Re: US/foreign allocation under massive relative US drop

Does anyone know where we can get the data for the total value or relative percent of the US stock market to the US bond market and/or The US bond market to the Intl bond market?

I would actually like to implement this, as I believe there is a very compelling argument presented.
by MKP
Wed Jan 07, 2015 11:07 am
Forum: Investing - Theory, News & General
Topic: Should you buy foreign stocks because they're cheaper?
Replies: 4
Views: 1113

Re: Should you buy foreign stocks because they're cheaper?

The difference is probably due to tech valuations since the US is so tech heavy and some of the valuations are quite insane.
by MKP
Sat Dec 20, 2014 11:40 pm
Forum: Investing - Theory, News & General
Topic: Please debunk this CNN Money article on dividend investing
Replies: 42
Views: 5380

Re: Please debunk this CNN Money article on dividend investi

All the discussion here is very level headed and practical. But if taken to its logical conclusion and all companies stopped paying dividends, why would any person every buy one? The promise of eventual dividend payments is the only fundamental reason to value a stock above 0. incorrect. the cash i...
by MKP
Wed Sep 24, 2014 5:58 am
Forum: Investing - Theory, News & General
Topic: Calculating Bond Fund What-Ifs
Replies: 56
Views: 5592

Re: Calculating Bond Fund What-Ifs

Last week the Federal Reserve released their "Dot Plot", saying they expected the Fed Funds rate to increase from its current 0% to 0.25% starting in 2015, and be at 3.75% by the end of 2017. So let's assume that this does indeed occur, and the Fed Funds rate gradually and steadily increa...
by MKP
Mon Sep 22, 2014 6:33 pm
Forum: Investing - Theory, News & General
Topic: How stocks perform in recessions
Replies: 13
Views: 1572

Re: How stocks perform in recessions

Hi Larry,

I think you are on to something. I think that the market becomes properly priced before the recession due to companies lowering there outlooks. This in turn will usually reduce the stock price to a more appropriate level when entering the recession (two-three quarters out).
by MKP
Fri Sep 12, 2014 7:17 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 13740

Re: "Why 97% of People Don't Use 529 College Savings Plans."

I have maxed out my 401K, two roths, my wife's small business 401K, and a family HSA. I am planning to do a 529 when my child is born in January. I will probably do another $400 a month or so ($5K per year) because I dont want to have to worry about college for my kid and have no idea where else to...
by MKP
Fri Sep 12, 2014 5:57 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 13740

Re: "Why 97% of People Don't Use 529 College Savings Plans."

I have maxed out my 401K, two roths, my wife's small business 401K, and a family HSA. I am planning to do a 529 when my child is born in January. I will probably do another $400 a month or so ($5K per year) because I dont want to have to worry about college for my kid and have no idea where else to ...
by MKP
Fri Sep 12, 2014 5:34 am
Forum: Investing - Theory, News & General
Topic: Buffett: Modern investment theory is horse-pucky
Replies: 119
Views: 10988

Re: Buffett: Modern investment theory is horse-pucky

someone please tell him that we all don't have access to the crony capitalism component for our portfolios. :annoyed
by MKP
Sun Sep 07, 2014 7:59 am
Forum: Investing - Help with Personal Investments
Topic: I-bonds: Automatic Investments
Replies: 14
Views: 2071

Re: I-bonds: Automatic Investments

wassabi and MKP - That's incorrect, as far as I know. There's a minimum redemption of $25, but you don't need to redeem the entire amount you deposited 1+ year previously. https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iredeem.htm Not sure what you mean. Maybe I am doing so...
by MKP
Sat Sep 06, 2014 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: I-bonds: Automatic Investments
Replies: 14
Views: 2071

Re: I-bonds: Automatic Investments

Side question for anyone who has the answer: I've only ever bought I-Bonds for the max ($10k for me). Correct me if I'm wrong, but but if I bought in multiple smaller denominations throughout the year, I would have individual bonds for each purchase, right? So if I buy monthly, then I have 12 bonds...
by MKP
Tue Sep 02, 2014 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help for colleague in FRS Investment Plan
Replies: 1
Views: 268

Re: Help for colleague in FRS Investment Plan

My wife is in the FRS pension and a while back I looked over the investments and decided to keep her in the pension, but during my review, I found the funds you mentioned to be pretty basic and low-expense. Overall, I think 90/10 is very aggressive for their age. I would recommend at least age in bo...
by MKP
Thu Aug 28, 2014 5:26 am
Forum: Investing - Help with Personal Investments
Topic: Intermediate term tax exempt bond fund or TBM? Pls help
Replies: 9
Views: 985

Re: Intermediate term tax exempt bond fund or TBM? Pls help

Depending on the size of those accounts, you can get even simpler than that. Lets say tax advantaged is 75% of the total dollars in all accounts: 75 TA 33% Total Market Index 33% Total Bond Index 33% Total International 25 Taxable 100% Total Market Index If the accounts are more equal in size it get...
by MKP
Tue Aug 26, 2014 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Total International Bond Index Fund
Replies: 36
Views: 3362

Re: Total International Bond Index Fund

I dont know, maybe I am in the minority here, but at a 1% SEC yeild, this bond fund seems more like a savings account with the ability to lose principle.

You can only go full NIRP for so long.
by MKP
Fri Jul 25, 2014 7:53 am
Forum: Investing - Help with Personal Investments
Topic: FRS (Fl Ret Srv) Pension Option - Worth it?
Replies: 10
Views: 866

Re: FRS (Fl Ret Srv) Pension Option - Worth it?

My wife is in the pension systeem for Fl. Iirc, it currently has a small shortfall in pension asset funding, but florida has taken steps to minimize the risk of future funding problems. My wife has 24 years until retirement and I chose to keep her in the system. She still had a Roth in order to dive...
by MKP
Fri Jan 24, 2014 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: How Bogleheaded today? I was supposed to buy my stocks.
Replies: 50
Views: 4114

Re: How Bogleheaded today? I was supposed to buy my stocks.

abuss368 wrote:
Grt2bOutdoors wrote:I bought Total Intl today. :beer


And that is the Boglehead way!


I bought yesterday :(

Not really worried - as the problems causing the markets to melt down cant be solved over the weekend. (and ill have more money to buy next week)
by MKP
Tue Jan 14, 2014 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Eugene-Fama/Dimension Funds
Replies: 13
Views: 2012

Re: Eugene-Fama/Dimension Funds

Off topic - but just want to add. I love my DFA small cap fund...because it is actually small-cap unlike the vanguard "small cap" funds that are nearly 46% mid cap.

So much for SV tilting with the VG funds.
by MKP
Wed Jan 08, 2014 7:16 am
Forum: Investing - Help with Personal Investments
Topic: buy I-bonds now or wait after May 1?
Replies: 50
Views: 10873

Re: buy I-bonds now or wait after May 1?

Yes, even at today's low rates, tax-deferred I Bonds remain a decent investment. Fortunately, many of us backed up the truck when they had fixed rates of 3.0' 3.3, 3.4 and 3.6% real. What if the May rates drop back to 0% where they were for some time? Mel, that is the KEY question, and it is why I ...
by MKP
Sun Dec 29, 2013 9:05 am
Forum: Investing - Help with Personal Investments
Topic: I-401K Question
Replies: 14
Views: 1069

Re: I-401K Question

one last question: do I have until the tax filing deadline to contribute to the plan or is it until through 12/31? The business tax year end date is 12/31.
by MKP
Sat Dec 28, 2013 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: I-401K Question
Replies: 14
Views: 1069

Re: I-401K Question

There's no point in doing employer contributions. And there's no ability to make employer contributions, since she's maxed out under the section 415 limit (100 per cent of pay is $5000-353). I would execute an elective deferral agreement to that effect by 12/31. that was what i was thinking. I just...

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