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Re: International increase in Target Retirement & LifeStrate

I agree with nedsaid that at least part of the reason for this shift is relative valuations particularly in US versus INTL equity markets. The US has been in an exuberant 5+ year bull market and US stocks are generously priced on a fundamental basis relative to DM and especially EM. The increased r...
by parsi1
Thu Feb 26, 2015 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 141
Views: 10063

Re: International increase in Target Retirement & LifeStrate

I guess Vanguard read Rick Ferri's blog post - https://www.bogleheads.org/forum/viewtopic.php?f=10&t=154400 Interesting article from Mr. Ferri, thanks for the link. In this case, I will hold my judgment until I read more about this subject on this site. I am sure there will be a lot more commen...
by parsi1
Thu Feb 26, 2015 9:39 am
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 141
Views: 10063

Re: International increase in Target Retirement & LifeStrate

I don't like it, I am in TR2020 with this change my expose to international stocks will increase by 5.5% to 23.5% and my US exposure to stocks will reduce by 5.5% to 36.5%. It might be time to change plans and move 3-fund portfolio.
by parsi1
Thu Feb 26, 2015 9:14 am
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 141
Views: 10063

Re: Buy and Hold Forever Stocks

I swore off individual stocks during the period '08-'09, for reasons you can probably conjure up in your head without prompting from me. ++1 I gave up on trading individual stocks during the 2000 to 2002 tech bubble. Now all I have is 401K and Roth that I try to max out every year. Why not buy and ...
by parsi1
Tue Feb 24, 2015 11:26 am
 
Forum: Investing - Theory, News & General
Topic: Buy and Hold Forever Stocks
Replies: 101
Views: 7713

Re: End of Life for a Friend of Mine....a couple weeks ago..

you brought tears to my eyes.
sorry for your loss, but more than that sorry and sad for his family to witness such a tragedy.
by parsi1
Sun Feb 22, 2015 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: End of Life for a Friend of Mine....a couple weeks ago....
Replies: 41
Views: 4410

Re: VWENX huge hit today! [Vanguard Wellington Admiral]

it wasn't a huge hit, it dropped by 2 cents. $20 is a huge hit. 2 cents doesn't even show up in the charts.
relax, drink a beer and smoke a cigar, tomorrow it will be back up. :sharebeer
by parsi1
Thu Feb 19, 2015 9:14 am
 
Forum: Investing - Theory, News & General
Topic: VWENX huge hit today! [Vanguard Wellington Admiral]
Replies: 40
Views: 3729

Re: What is your favorite consumer product?

I recently purchased on Samsung Galaxy Tab Pro 12.2". It is definitely my favorite and I never knew there are so many movies on youtube.
by parsi1
Wed Feb 18, 2015 1:33 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 165
Views: 9956

Re: Recommend a movie for a lonely Boglehead on Valentine's

I am surprised no one has yet mentioned the best romantic/action movie ever: UP
by parsi1
Mon Feb 16, 2015 4:48 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a movie for a lonely Boglehead on Valentine's day
Replies: 87
Views: 4461

Re: Day trading and capital gain tax nightmare

Turbotax will do it all for you. All you need to do is to log into your brokerage account when you are prompted in turbotax.
Well that's what I think, I haven't traded stocks for 15 years and I have never day traded.
by parsi1
Thu Feb 12, 2015 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Day trading and capital gain tax nightmare
Replies: 37
Views: 2960

Re: I'm not a bad Boglehead

I have never spend any money on lottery tickets.
But I visit the Casinos once in a while. I find it more entertaining. This may be also considered a none Blogleheadish act.
by parsi1
Tue Feb 10, 2015 8:10 pm
 
Forum: Personal Consumer Issues
Topic: I'm not a bad Boglehead [buying Powerball ticket]
Replies: 101
Views: 6158

Re: Half off TurboTax thru Monday

Thanks for the link, just downloaded the home&business version and imported and verified the info from last year's PDF file. If you used the online version in previous years, like me, you need to log into your online account and down load last year's PDF file to your PC. The new 2014 PC version ...
by parsi1
Sun Jan 25, 2015 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Half off TurboTax thru Monday
Replies: 37
Views: 4405

Re: Half off TurboTax thru Monday

Does the 50% off include Efile for fed and state? it doesn't state anything on the site about Efile, or did I miss something.

Edit: Fed Efile is included but there is a $20 state Efile
by parsi1
Sat Jan 24, 2015 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Half off TurboTax thru Monday
Replies: 37
Views: 4405

Re: Gotta Be a Bear Market Coming

It will start early Monday morning
by parsi1
Fri Jan 23, 2015 8:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Gotta Be a Bear Market Coming
Replies: 64
Views: 7776

Re: The Three Fund Portfolio

I have never considered social security and pension as part of my asset allocation. I am 55 years old and currently 90% in target retirement 2020 which is currently almost 60/40.
How should I know if this is a right allocation for me if I factor in the SS and pension?
Thanks for any help
by parsi1
Thu Jan 22, 2015 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1027
Views: 460564

Re: Hedge fund loses 99.8% of all funds, $100m down to $200k

why would anyone trust their money with the former trader at Raj Rajaratnam's company?
May be they were aware to the risk and aiming too high.
by parsi1
Wed Jan 21, 2015 9:26 pm
 
Forum: Investing - Theory, News & General
Topic: Hedge fund loses 99.8% of all funds, $100m down to $200k.
Replies: 59
Views: 6874

Re: Do you check you get all your dividends?

In my 401K I have target retirement 2020, this week I checked the distribution using Vanguards web site and it was credited to my account correctly.
by parsi1
Thu Jan 08, 2015 9:06 am
 
Forum: Investing - Theory, News & General
Topic: Do you check you get all your dividends?
Replies: 20
Views: 2418

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

1979.00

the same as my last forecast.
best wishes to everyone.
by parsi1
Thu Jan 01, 2015 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19956

Re: Target Retirement Funds - are they the AA you would choo

Good discussions thanks for posting. I have been debating the same thing, I am 55 and currently in TR2020 which is 60/40(stock/Bond) by the time I am 60 it will be 50/50 and at 65 it will be almost 40/60. I am not sure if TR2020 will be too conservative at retirement specially since the place I work...
by parsi1
Mon Dec 29, 2014 10:17 am
 
Forum: Investing - Theory, News & General
Topic: Target Retirement Funds - are they the AA you would choose?
Replies: 32
Views: 2801

Re: Buying Vanguard Energy Index

I like fundamental index funds. One reason is that they buy sectors (like energy) based on their dividends and profits and cashflow and book value from the last several years. They continue buying those companies even when the market thinks that returns look grim for the near future. If dividends a...
by parsi1
Wed Dec 17, 2014 8:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying Vanguard Energy Index
Replies: 22
Views: 2930

Re: Investment books I have read.

Miriam2 wrote:Taylor -
What is the investing book you have not yet read that you are looking forward to reading?


If you don't mind I like to add to this, what is the book that you already have read and don't mind reading again?
by parsi1
Tue Dec 16, 2014 10:03 am
 
Forum: Investing - Theory, News & General
Topic: Investment books I have read.
Replies: 32
Views: 4807

Re: Embarrassingly stupid question

I do Pretax for 401K and Posttax in RothIRA.
We also have roth 401K but I have not contributed to that yet
by parsi1
Mon Dec 15, 2014 9:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Embarrassingly stupid question
Replies: 25
Views: 4561

Re: Investment books I have read.

An honest questions, after reading all these books do you still think the best portfolio is a three fund portfolio or is it time for and update/revision of the three fund portfolio?
Thanks
by parsi1
Mon Dec 15, 2014 9:13 am
 
Forum: Investing - Theory, News & General
Topic: Investment books I have read.
Replies: 32
Views: 4807

Re: 'Might Jack Bogle Be Wrong for a Change?' [Int'l holding

As far as I know he has majority of his money in Vanguard Balanced index fund, right or wrong he is putting his money where his mouth is.
by parsi1
Thu Dec 11, 2014 11:58 am
 
Forum: Investing - Theory, News & General
Topic: 'Might Jack Bogle Be Wrong for a Change?' [Int'l holdings]
Replies: 49
Views: 4366

Re: Why don't YOU follow Buffett's advice?

If my portfolio grows 320% compounded annually for the next 10 years I will have $60billion when I retire.
Now all I have to do is to find a way to make sure it grows that much, do you all think Buffett may have a solution for that?
by parsi1
Wed Dec 10, 2014 9:20 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't YOU follow Buffett's advice?
Replies: 122
Views: 10094

Re: 'Might Vanguard Founder Jack Bogle Be Wrong for a Change

sorry for my ignorance but I don't know how to attach a graph here, but by comparing vanguard balanced index fund which is 60/40 (without international) with the life strategy moderate growth (another 60/40 with international), the vanguard balanced fund is a clear winner. That shows me that you don...
by parsi1
Wed Dec 10, 2014 8:58 pm
 
Forum: Investing - Theory, News & General
Topic: 'Might Jack Bogle Be Wrong for a Change?' [Int'l holdings]
Replies: 49
Views: 4366

Annuity feature in Target-date mutual funds in 401(k)s

"Target-date mutual funds in 401(k)s can now add an annuity feature, which will provide lifetime income in retirement." This article is on CNN money, is this a good idea for Target Retirement funds? https://time.com/money/3616433/retirement-income-401k-new-solution/?xid=yahoo_money I have ...
by parsi1
Fri Dec 05, 2014 9:11 am
 
Forum: Investing - Theory, News & General
Topic: Annuity feature in Target-date mutual funds in 401(k)s
Replies: 1
Views: 328

Re: how to make money like a billionaire

I don't like Tony Robins.
by parsi1
Thu Nov 20, 2014 10:11 pm
 
Forum: Investing - Theory, News & General
Topic: how to make money like a billionaire
Replies: 116
Views: 16278

Re: Rick Ferri 60/40 portfolio

I am in a target dated fund but I like this portfolio and the allocations. Rick Ferri's Lazy Three Fund Portfolio 40% Vanguard Total Bond Market Index Fund 40% Vanguard Total Stock Market Index Fund 20% Vanguard Total International Stock Index Fund edited: sorry I lied, I also have Reit, so I am mor...
by parsi1
Thu Nov 20, 2014 9:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri 60/40 portfolio
Replies: 18
Views: 4880

Re: Side jobs or hobbies that make you money

VictoriaF wrote:Oldest profession.

Victoria



I don't like the oldest profession.
I like new professions. Venture capital, do you all watch Shark Tank?
Make money from somebody’s innovation and hard work.
by parsi1
Thu Nov 20, 2014 10:55 am
 
Forum: Personal Consumer Issues
Topic: Side jobs or hobbies that make you money
Replies: 127
Views: 19352

Re: What funds are negatively correlated with stocks?

ProShares Short S&P500 (SH) or if you want stronger negative correlation: ProShares UltraPro Short Dow30 (SDOW) I believe parsi1 is telling a joke with a straight face. That joke went over my head. OP wants a hedge. These are hedges. Yes thanks the question was : What are some funds to hedge ag...
by parsi1
Sun Oct 26, 2014 11:01 am
 
Forum: Investing - Theory, News & General
Topic: What funds are negatively correlated with stocks?
Replies: 24
Views: 3436

Re: What funds are negatively correlated with stocks?

ProShares Short S&P500 (SH)
or if you want stronger negative correlation: ProShares UltraPro Short Dow30 (SDOW)
by parsi1
Sat Oct 25, 2014 5:21 pm
 
Forum: Investing - Theory, News & General
Topic: What funds are negatively correlated with stocks?
Replies: 24
Views: 3436

Re: How do you wash your car?

I hand wash my car twice a year, spring and fall.
I guess it is about time to wash my car.
by parsi1
Mon Oct 20, 2014 9:17 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 8169

Re: When people put all their eggs in the wrong basket

I was tempted by Facebook, I was tempted by Alibaba. Once in a while I get tempted to move to riskier assets since I think I have too much in bonds. But every time, with market gyrations like recent weeks and reading links like this I tell myself that being a Boglehead is the best option, and that h...
by parsi1
Wed Oct 08, 2014 8:14 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 31155

Re: Oatmeal suggestions

I have mine every morning with cinnamon, honey and raisin or (dried cranberries). Original oatmeal Wall-Mart brand.
by parsi1
Tue Sep 30, 2014 6:08 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 147
Views: 13655

Re: New Tony Robbins Book on Financial Freedom

pjstack wrote:I thought Tony Robbins was/is in prison.


Why do you say that? People can't write books while in prison :|
by parsi1
Thu Sep 25, 2014 8:30 am
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 90
Views: 22147

Re: New Tony Robbins Book on Financial Freedom

I may check it out from the library. No reason to waste money buying his books.
by parsi1
Thu Sep 25, 2014 8:27 am
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 90
Views: 22147

Re: Could one theoretically be 100% stocks your whole life?

Yes, you can be 100% stocks your whole life, not just theoretically but actually. I have been and I am 77 yo. I never made over 100k in my life Began serious investing in 1980 Didn't sell a penny in 1987 Didn't sell a penny in 2002 Didn't sell a penny in 2008 Just went through the greatest 5 year b...
by parsi1
Tue Sep 23, 2014 10:36 am
 
Forum: Investing - Theory, News & General
Topic: Could one theoretically be 100% stocks your whole life?
Replies: 43
Views: 2854

Re: AliBaba

They didn't let them go public in Hong Kong because of technical issue, they are going public here and people are going GooGoo GaaGaa.
No I am not buying
by parsi1
Fri Sep 19, 2014 11:07 am
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 151
Views: 13270

Re: Two Fund real Lazy Portfolio?

those are the components of the classic/original John Bogle's suggested portfolio: Total Stock Market and Total Bond Market. That was also the basis of Scott Burns' original "couch potato" portfolio. +1 I have had this portfolio for a long time and have a substantial amount in it. I'm ver...
by parsi1
Fri Sep 19, 2014 8:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Two Fund real Lazy Portfolio?
Replies: 37
Views: 5015

Re: Hamilton watches, worth the money?

VictoriaF wrote:
parsi1 wrote:I wonder what kind of watch Jack Bogle and Warren Buffett Wear. :confused :?:


Do you think they share a watch?

Victoria



That was funny, I meant each one. This was one of those english as a secong language flaw thingy.
by parsi1
Mon Sep 15, 2014 2:53 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 262
Views: 16045

Re: Hamilton watches, worth the money?

I wonder what kind of watch Jack Bogle and Warren Buffett Wear. :confused :?:
by parsi1
Mon Sep 15, 2014 2:46 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 262
Views: 16045

Re: Hamilton watches, worth the money?

I don't know what is a Zenga suit, but WOW what you have in the picture is a beautiful watch. I don't mind having one.
by parsi1
Mon Sep 15, 2014 10:52 am
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 262
Views: 16045

Re: Share your Hot-Rod Portfolio

ELBoringO or SuperLazy:

10% Reit
90% Target2020
by parsi1
Mon Sep 15, 2014 8:20 am
 
Forum: Investing - Theory, News & General
Topic: Share your Hot-Rod Portfolio
Replies: 55
Views: 4470

Re: Does anyone have 'Lazy Portfolios'?

imgritz wrote:My portfolio is soooo lazy it snores. :D


+1
mine is 90% in target retirement 2020, 10% Reit
I haven't had any need to rebalance yet
by parsi1
Fri Aug 29, 2014 9:21 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 85
Views: 7034

Re: Simplisafe Home Security Systems

sorry for being so ignorant, but if you don't subscribe to the monitoring service and there is an intruder do you get an email or a text on your cell phone, or multiple cell phones? Plus a siren at home that will go off? how does the alarm work in case of an intruder?
Thanks for all the replies
by parsi1
Tue Aug 19, 2014 1:39 pm
 
Forum: Personal Consumer Issues
Topic: Simplisafe Home Security Systems
Replies: 35
Views: 3541

Re: Simplisafe Home Security Systems

How often do you need to change batteries in all those pieces?
Or do you need to change batteries?
by parsi1
Tue Aug 19, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: Simplisafe Home Security Systems
Replies: 35
Views: 3541

Re: Robin Williams

I always loved his movies and his style of comedy, my favorite movie was The Fisher King.
People like him never die. :(
by parsi1
Tue Aug 12, 2014 8:03 pm
 
Forum: Personal Consumer Issues
Topic: Robin Williams
Replies: 42
Views: 5010

Re: How Much Did You Lose Today?

None. Went to the sidelines 2 weeks ago. Today was just the beginning... Beginning of what? A correction? If so, how much will it correct? If this is indeed the "beginning" it is good that you will be on the sideline. But will you know when to get back in? Or will you stay sidelined like ...
by parsi1
Fri Aug 01, 2014 8:35 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 16048

Re: How Much Did You Lose Today?

1 to 2 percent is a very wide band, the 1 - 2% should be probably broken down to smaller increments.
The market lost 2%, a well divesified allocation (dependent on age) lost close to 1%, but all the votes will be casted under 1 to 2%. :confused
I am in Target2020 which lost 1.15% :sharebeer
by parsi1
Fri Aug 01, 2014 8:27 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 16048
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