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Re: How I beat Indexing... in 1 hour

Gives us Septembers picks now Supersaver :idea:
by Redstorm
Wed Aug 27, 2014 11:43 pm
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 55
Views: 7747

Re: Telling my friends I paid off my house was a mistake.

Some friend may think you had some LUCK to get where you are, but LUCK is just Labouring Under Correct Knowledge

There's also RISK in everything we do, financial and otherwise, RISK is Likelihood x Consequences.

No RISK No REWARD :wink:
by Redstorm
Tue Aug 26, 2014 9:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Telling my friends I paid off my house was a mistake.
Replies: 73
Views: 10309

Re: The Funniest Movie Ever

For me A Fish Called Wanda

Bridesmaids was pretty good as was the original Hangover movie
by Redstorm
Fri Aug 15, 2014 7:20 pm
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 227
Views: 14968

Re: Berkshire Hathaway - Warren Buffett - Anyone own the sto

From the news

CLASS A shares of Berkshire jumped past the milestone to an all-time trading high of $US201,740 ($A218,274.28) Thursday morning.

It has taken 44 years (1962-2006) to reach first $100K and 8 years for the second. Would be interesting to see how many years it takes to reach the third.
by Redstorm
Thu Aug 14, 2014 9:47 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway - Warren Buffett - Anyone own the stock?
Replies: 110
Views: 9585

Re: Advice for a young Australian Investor

From the 1st July 2014 the Superannuation levy moved up to 9.5% for employers, employees can also contribute but its not mandatory Paul Keating was aiming for 15% There's a historical perspective here on Wikipedia http://en.wikipedia.org/wiki/Superannuation_in_Australia There's curently around $1.3 ...
by Redstorm
Sun Aug 03, 2014 5:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice for a young Australian Investor
Replies: 17
Views: 1139

Re: How Much Did You Lose Today?

Garco wrote:That's right. If you can't do like Scrooge McDuck and swim the backstroke in your cash and coins in your private vault, it's not money.


Image

Gotta love old Scrooge :wink:
by Redstorm
Sun Aug 03, 2014 5:34 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 15026

Re: Landlording for long-term wealth? Who's doing it?

Here's the median house price growth of our city from 1974-2013

Not sure why the use median, but they do...

Image
by Redstorm
Sun Aug 03, 2014 5:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Landlording for long-term wealth? Who's doing it?
Replies: 68
Views: 7767

Re: How Much Did You Lose Today?

It didn't drop enough to make me release some bonds :wink:
by Redstorm
Fri Aug 01, 2014 7:40 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 15026

Re: Advice for a young Australian Investor

Super is currently 25% VTS 25% VAS 25% VGB 25% VEU Rebalance quarterly as new money comes in Nice and simple! Do you hold this in a smsf? Hi Beeroclock Yes, all in a SMSF It seems more and more Superannuation companies are letting members chose their investments to compete with the popularity of SM...
by Redstorm
Thu Jul 31, 2014 6:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for a young Australian Investor
Replies: 17
Views: 1139

Re: Landlording for long-term wealth? Who's doing it?

A large percentage of our investment is in Australian Real Estate Capital Growth has been great over the last 30+ years with investments doubling every 10-12 years and continual rental increases Current low interest rates are a bonus Though our 5 year rates have 'just' gone below 5%, they are nothin...
by Redstorm
Thu Jul 31, 2014 6:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Landlording for long-term wealth? Who's doing it?
Replies: 68
Views: 7767

Re: Advice for a young Australian Investor

Super is currently

25% VTS
25% VAS
25% VGB
25% VEU

Rebalance quarterly as new money comes in
by Redstorm
Thu Jul 31, 2014 6:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice for a young Australian Investor
Replies: 17
Views: 1139

Re: Australian - buying international shares fund?

As an Aussie

I have the below ETF's

VTS
VEU
VAS
VGB
by Redstorm
Wed Jul 30, 2014 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Australian - buying international shares fund?
Replies: 6
Views: 310

Re: Please help me fight for index funds!

As Upton Sinclair said:

'It is difficult to get a man to understand something, when his salary depends on his not understanding it.'
by Redstorm
Wed Jul 30, 2014 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Please help me fight for index funds!
Replies: 37
Views: 2518

Re: Anybody using dash cameras?

There's probably a Facebook Page devoted to outing bad drivers recorded on these devices

Russian Dash Cams on Youtube has some carazy stuff stuff recorded
by Redstorm
Sun Jul 20, 2014 8:18 am
 
Forum: Personal Consumer Issues
Topic: Anybody using dash cameras?
Replies: 12
Views: 2784

Re: POLL: Are You Re-Balancing?

Re-Balance each quarter with new funds

I've also re-balanced and taken some gains when an index (ETF) gets over 15% in a quarter
by Redstorm
Fri Jul 04, 2014 5:32 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Are You Re-Balancing?
Replies: 70
Views: 5036

Re: Listen to ebooks -- How?

You can pick up a cheap MP3 player from any of the larger stores, download the books to that

I put them onto my android phone, along with say a TV series to watch when on the bus or plane
by Redstorm
Sat May 24, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: Listen to ebooks -- How?
Replies: 17
Views: 1570

Re: Gurus Achieve An Astounding 47.4% Accuracy!

Rick Ferri wrote:Guru's don't make money predicting markets: they make money marketing predictions.

Rick Ferri


Spot on :D

"nobody knows nothing"


Then somebody knows something :wink:
by Redstorm
Sat Jan 25, 2014 5:50 pm
 
Forum: Investing - Theory, News & General
Topic: Gurus Achieve An Astounding 47.4% Accuracy!
Replies: 202
Views: 10376

Re: Why shouldn't REIT's be a large % of your portfolio?

Just on this Unpack: analyze (something) into its component elements. "let us unpack this question" Is this not common usage? For all I know you probably think that stuff in cans you drink is called 'soda' ;-). When in fact everyone knows it is pop ;-). Cool Drink for us And that yellow th...
by Redstorm
Wed Jan 22, 2014 3:22 pm
 
Forum: Investing - Theory, News & General
Topic: Why shouldn't REIT's be a large % of your portfolio?
Replies: 67
Views: 11206

Re: The Funniest Movie Ever

A Fish Called Wanda
by Redstorm
Fri Jan 03, 2014 9:15 am
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 227
Views: 14968

Re: 'Play' Money

I went to indexing with all bar some funds I'd been trading in the stock below with and let it ride for the last 2 years. This was my 'play money'. I add to my index funds each 1/4 http://chart.finance.yahoo.com/z?s=CBA.AX&t=2y&q=l&l=on&z=l&a=v&p=s&lang=en-AU&region=AU
by Redstorm
Thu Dec 26, 2013 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: 'Play' Money
Replies: 95
Views: 6920

Value [of stocks]

When looking at individual stocks would it be fair to say

"Price is what you pay, value is what you get and value is subjective"
by Redstorm
Wed Dec 25, 2013 6:36 pm
 
Forum: Investing - Theory, News & General
Topic: Value [of stocks]
Replies: 4
Views: 472

Re: Property & Bonds

Thanks Magneto

Most property is leveraged to some degree also, which can magnify gains (or losses)
by Redstorm
Mon Dec 23, 2013 6:32 pm
 
Forum: Investing - Theory, News & General
Topic: Property & Bonds
Replies: 7
Views: 674

Property & Bonds

Rental payments that determine an asset’s yield allow comparisons to other income-generating investments.

Are there any similarities or correlations between residential property, REITs and Bonds?
by Redstorm
Mon Nov 25, 2013 8:57 am
 
Forum: Investing - Theory, News & General
Topic: Property & Bonds
Replies: 7
Views: 674

Re: Pull-ups and Push-ups

http://slcmma.com/wp-content/uploads/2008/12/chinup_bar.jpg I use one of these simple doorway units at home for pull ups and leg lifts and for variety, the larger unit at the local park A combination of anaerobic and aerobic is great for me and I enjoy it. Recent workout examples 11 minute time lim...
by Redstorm
Wed Nov 20, 2013 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 329
Views: 40982

Re: Pull-ups and Push-ups

Crossfit has a many great body workouts...a good one is called "Cindy". As many rounds as you can do in 20 minutes. Each round consists of 5 pullups, 10 pushups and 15 air squats...try it..you will like it...Mark Try that with a minute as your marker 5 pullups, 10 pushups and 15 air squat...
by Redstorm
Sun Nov 10, 2013 2:27 am
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 329
Views: 40982

Re: More XIRR Questions

Thanks for that

Looking back, I need to try and work out exact starting and end value for 2012

Starting value is easy enough, I only started passive index investing around August 2012

Though I need to work out end value as at 31st Dec 2012 as I hadn't noted anything down
by Redstorm
Sun Oct 13, 2013 2:44 am
 
Forum: Investing - Theory, News & General
Topic: More XIRR Questions
Replies: 10
Views: 803

More XIRR Questions

I finally got XIRR to work on a spreadsheet =XIRR(B1:B15,A1:A15,0.1) Hopefully for 2013 I can track it accurately and enter in all purchases, sales, dividends to ascertain performance I'm curious though, looking back on the previous year and the fact that I had dividends paid out, what value do I as...
by Redstorm
Sat Oct 12, 2013 9:52 pm
 
Forum: Investing - Theory, News & General
Topic: More XIRR Questions
Replies: 10
Views: 803

Re: The market is on fire

The Australian share market has hit a five year high, gaining more than one per cent after the world's largest economy decided to continue its stimulus program. Local stocks opened strongly and gained momentum on Thursday after the United States Federal Reserve surprised the market with its decisio...
by Redstorm
Thu Sep 19, 2013 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: The market is on fire
Replies: 127
Views: 12560

Re: Tax Loss Harvesting Question

Thanks,

I checked out the RBD link and chart also
by Redstorm
Tue Sep 17, 2013 6:18 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Question
Replies: 3
Views: 293

Re: Bogleheads, why is this taboo? [Use Leverage in a Portfo

That's some impressive chart-work there Clive :D
by Redstorm
Tue Sep 17, 2013 5:43 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, why is this taboo? [Use Leverage in a Portfolio]
Replies: 189
Views: 15393

Tax Loss Harvesting Question

http://farm4.staticflickr.com/3744/9790106706_aaf4f69351_b.jpg Not sure if the above screenshot will work, but here goes Over the last 12 months or so whilst stocks have moved northwards the Bond Index has moved south (re-balancing has been done quarterly with new funds) My question is, with Tax Lo...
by Redstorm
Tue Sep 17, 2013 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Question
Replies: 3
Views: 293

Re: "The Clash of the Cultures" -- A Gem

Got the book on Kindle along with the Bogleheads, Second Grade Investor, Millionaire Teacher, The Investment Answer and a few more good reads
by Redstorm
Sat Sep 14, 2013 9:34 am
 
Forum: Investing - Theory, News & General
Topic: "The Clash of the Cultures" -- A Gem
Replies: 14
Views: 2152

Re: Bogleheads, why is this taboo? [Use Leverage in a Portfo

baw703916 wrote: ...I think that leverage in the 20% range early in one's investing career may be helpful, provided all of the following apply: 1. You take on the leverage in such a way that you cannot have a margin call.... 1) How do you do that? Other than by holding a cash reserve equal to the a...
by Redstorm
Thu Sep 12, 2013 6:08 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, why is this taboo? [Use Leverage in a Portfolio]
Replies: 189
Views: 15393

Re: Bogleheads, why is this taboo? [Use Leverage in a Portfo

True

Even $10 extra up front on a 30 year loan makes a difference
by Redstorm
Sun Sep 08, 2013 8:12 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, why is this taboo? [Use Leverage in a Portfolio]
Replies: 189
Views: 15393

Re: Bogleheads, why is this taboo? [Use Leverage in a Portfo

technovelist wrote:I used leverage once. I got massacred. I learned my lesson.


Leverage in Real Estate has served me well though
by Redstorm
Fri Sep 06, 2013 7:59 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, why is this taboo? [Use Leverage in a Portfolio]
Replies: 189
Views: 15393

Re: Thirty (30) Years

OK, but I have limited interest in the past; the future is where we're heading to... Was reading some sayings the other day, and thought that for just about every saying that I've heard that is supposedly wise, there is another saying that says the exact opposite which also imparts wisdom. Which on...
by Redstorm
Fri Sep 06, 2013 7:53 am
 
Forum: Investing - Theory, News & General
Topic: Thirty (30) Years
Replies: 6
Views: 1571

Thirty (30) Years

Vanguard's 30-year index chart tracks the growth of a $10,000 investment. If you invested $10,000 30 years ago and reinvested all income, you could now have: $268,733 if invested in Australian shares; $190,702 if invested in US shares; $168,900 if invested in listed property; $105,786 if invested in...
by Redstorm
Wed Sep 04, 2013 9:32 am
 
Forum: Investing - Theory, News & General
Topic: Thirty (30) Years
Replies: 6
Views: 1571

Re: Boxing (for fitness/workout)

Try this when skipping

http://www.youtube.com/watch?v=OSMvoZnh_ng

Double's are hard enough
by Redstorm
Wed Sep 04, 2013 9:14 am
 
Forum: Personal Consumer Issues
Topic: Boxing (for fitness/workout)
Replies: 19
Views: 1281

Re: Bogleheads, why is this taboo? [Use Leverage in a Portfo

Consider this hypothetical. Margin rates 3 Percent ... expected portfolio return of 8 percent (high - but stick with example) - standard deviation of such a portfolio 15 percent (VERY LOW). One third of the years you will have a return one standard deviation below 8 percent. ... adding in the 3 per...
by Redstorm
Tue Aug 20, 2013 8:27 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, why is this taboo? [Use Leverage in a Portfolio]
Replies: 189
Views: 15393

Re: Bogleheads, why is this taboo?

While I agree with most of the above.. we all have a tendency to ignore the fact that anyone with a mortgage is doing exactly what you say and in a lot of cases far more than 110%. I know most will think this is off topic... but is it? Agreed Most here don't seem to invest in physical property, but...
by Redstorm
Mon Aug 19, 2013 7:33 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, why is this taboo? [Use Leverage in a Portfolio]
Replies: 189
Views: 15393

Re: Bogleheads, why is this taboo? [Use Leverage in a Portfo

Index Funds = No

Leverage/Gearing with property is okay though :confused
by Redstorm
Mon Aug 19, 2013 6:47 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, why is this taboo? [Use Leverage in a Portfolio]
Replies: 189
Views: 15393

Re: Bogleheads, why is this taboo? [Use Leverage in a Portfo

The problem with traditional leveraged investing isn't so much the leveraging (assuming you can handle the volatility); it's the margin calls. I have no doubt that market timer could handle the severe volatility his portfolio went through. What he couldn't handle was the margin calls. For this reas...
by Redstorm
Sun Aug 18, 2013 5:31 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, why is this taboo? [Use Leverage in a Portfolio]
Replies: 189
Views: 15393

Re: [Australia] Creating $200k income p/a [(per annum)]

Someone else asked this recently (Australia) as property seems to be having another growth spurt in several areas

Ungeared index fund vs geared (80%LVR) residential property portfolio?

I want some opinions - out of the two, which would have a higher expected rate of return over the long term?
by Redstorm
Sun Aug 18, 2013 5:08 am
 
Forum: Investing - Help with Personal Investments
Topic: [Australia] Creating $200k income p/a [(per annum)]
Replies: 40
Views: 12984

Re: LinkedIn strategy?

There'a a Bogleheads group on LinkedIn
by Redstorm
Fri Aug 09, 2013 10:08 am
 
Forum: Personal Consumer Issues
Topic: LinkedIn strategy?
Replies: 51
Views: 5745

Re: Portfolio Returns

I'm trying again with a simpler model for myself No withdrawals or rebalancing, just dollar cost averaging each month, investing $1k as the unit price fluctuates End value is the value of all shares at the end unit price Starting Value $100,000.00 $1.00 100000 Date....Invested....Price....Shares 1/0...
by Redstorm
Sun Aug 04, 2013 6:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Returns
Replies: 6
Views: 615

Re: Portfolio Returns

If XIRR confuses you, simply download the absolutely free Microsoft Money sunset edition for Windows and use it to track your portfolio transactions. It can calculate performance between any 2 dates for any single investment or any collection of investments or accounts that you want without any has...
by Redstorm
Sat Aug 03, 2013 8:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Returns
Replies: 6
Views: 615

Re: Portfolio Returns

Thanks Reds This was an account I changed to Index Funds Starting with $60,603.61 and with an end value of $81,457.80 I initially used y-x/x and got 34.41% However I sold some shares in this account and balanced across several index funds How about a scenario where using the above starting and end d...
by Redstorm
Sat Aug 03, 2013 7:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Returns
Replies: 6
Views: 615

Portfolio Returns

Hi All I've read a bit about XIRR and had a look at putting numbers into a couple of spreadsheets with no joy, including a money-sense Rate of Return one which looked promising and had a graph attached also, sadly I just got N/A ### Is anyone able to assist with how I would work out the example belo...
by Redstorm
Sat Aug 03, 2013 4:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Returns
Replies: 6
Views: 615

Re: The Many Myths of Warren Buffett

There's also Warren Buffett: More myth than legend A $10,000 investment in Berkshire Hathaway stock in 1965 would have grown to be worth nearly $30 million 40 years later, in 2005. That's about 60 times as much as you would have made if you'd invested $10,000 in the Standard & Poor's 500 Index a...
by Redstorm
Fri Aug 02, 2013 7:46 am
 
Forum: Investing - Theory, News & General
Topic: The Many Myths of Warren Buffett
Replies: 29
Views: 4922
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