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Re: I've Got to be Doing "Something". And You?

I also have the same feeling, but use it to earn extra money on the side through part time work and various projects. It is time consuming, and is much more reliable than investing.
by z3r0c00l
Thu Mar 26, 2015 6:00 am
 
Forum: Investing - Theory, News & General
Topic: I've Got to be Doing "Something". And You?
Replies: 22
Views: 3029

Re: Can bonds & stocks BOTH be negative?

It is possible, but rare. However, I can tell you that now is about the best time in a long time for this to happen. Bonds are expensive, stocks are expensive, and life goes on!
by z3r0c00l
Wed Mar 25, 2015 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can bonds & stocks BOTH be negative?
Replies: 14
Views: 1005

Re: VGPMX [Vanguard Precious Metals And Mining Fund]

Yes you are correct not to fixate on share price. This fund has paid out insane dividends over the years.
by z3r0c00l
Mon Mar 23, 2015 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: VGPMX [Vanguard Precious Metals And Mining Fund]
Replies: 24
Views: 2328

Re: Excess Cash - Play Monopoly or Repay Debt?

Deflation is a very real possibility for the future. Debt is a major risk in that kind of world and rental properties are very hard to make money on. Pay down the debt, I would even consider selling some of the properties to pay off the rest.
by z3r0c00l
Mon Mar 23, 2015 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Excess Cash - Play Monopoly or Repay Debt?
Replies: 65
Views: 4591

Re: Who should be concerned?

I am more concerned by the fact that they keep changing the target date funds. If one wanted active management, there are other funds for that. A passive, fixed glide path should stay the same because these are set it and forget it mutual funds. Adding international bonds was the move that concerned...
by z3r0c00l
Sun Mar 22, 2015 6:30 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 219
Views: 17191

Re: Foreign stocks/bonds may be less beneficial for retirees

Currency risk = currency diversification. International isn't beneficial if domestic does better. If domestic tanks a year before retirement, suddenly international may be helpful. If you are not disappointed by at least one investment at any given time, diversification is not working. I can't imagi...
by z3r0c00l
Sun Mar 22, 2015 12:19 pm
 
Forum: Investing - Theory, News & General
Topic: Foreign stocks/bonds may be less beneficial for retirees
Replies: 26
Views: 2289

Re: The one area I disagree with Jack

Money in the hand is worth two in the future. Too conservative here to count on anything that I don't already have, that includes pensions and SS.
by z3r0c00l
Sat Mar 21, 2015 5:53 pm
 
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 7264

Re: How is VTIAX performing?

Don't forget the role of currency shifts in this, the US dollar got much stronger recently and so even with a solid recovery in Japan and other countries, international stocks fell in dollars. It is possible that you may be reacting to this currency issue instead as it has not come up in a few years...
by z3r0c00l
Sat Mar 21, 2015 5:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: How is VTIAX performing?
Replies: 17
Views: 1419

Re: IBonds - now or later in the year?

I have my 10K for this year in a no penalty CD and figured that with the expected 0 variable rate coming in May, I might as well hold out until then in hopes of a .1 or even .2 percent fixed. I mean won't they struggle to sell iBonds offering nothing? Anyway, keeping the 10K liquid for a few more mo...
by z3r0c00l
Fri Mar 20, 2015 10:33 am
 
Forum: Investing - Theory, News & General
Topic: I Bonds - now or later in the year?
Replies: 25
Views: 1353

Re: Too good to be true? vgenx or vgpmx

There is simply no way to know. They could go lower, could go to near zero and then close, or could stay the same for a decade. What you should know is that neither one of these funds directly tracks, nor always correlates with the value of precious metals or oil. These are not commodity funds, they...
by z3r0c00l
Tue Mar 17, 2015 9:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Too good to be true? vgenx or vgpmx
Replies: 25
Views: 2756

Re: Stock Sale Strategy

Yes you probably can see the risk in having money you need now in stocks... that money could go down 20% tomorrow then you would be forced to sell under unfavorable conditions. Better to keep money you need soon in a bank account. Perhaps you as asking about strategies like do you sell shares with t...
by z3r0c00l
Thu Mar 12, 2015 6:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stock Sale Strategy
Replies: 3
Views: 393

Re: Trip to Mexico

Why do you right off an entire country based on violence levels in a few regions? That is like advising a person the avoid the US altogether due to the crime rates in Detroit and St. Louis. Yes I avoid war zones even if portions of the country are potentially safe. Sad state of affairs but I consid...
by z3r0c00l
Wed Mar 11, 2015 6:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Trip to Mexico
Replies: 28
Views: 1868

Re: U.S. stocks in freefall

The Dow needs to get reduced 10x so people stop freaking out about the number change and focus back on the percentage. I bet that alone would get extra life into the bull market. There really is this feeling that anything over 10,000 is overvalued. I feel it when I look at IBOVESPA. I think this is ...
by z3r0c00l
Tue Mar 10, 2015 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1225
Views: 229673

Re: Bernstein: 2% investment returns over next 20 years

Getting 3.2% real on an 80/20 over 20 years is not bad, if I knew it were set in stone I would happily invest in that. Or would one not buy a ca. 5% CD knowing inflation were to stay low?
by z3r0c00l
Tue Mar 10, 2015 6:00 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein: 2% investment returns over next 20 years
Replies: 216
Views: 22803

Re: Wait till June Fed meeting before adding to VBTLX?

Half now and half in 6 months or just waiting are not so terrible, except that they may be a gateway to increasingly irrational/emotional investing behavior.
by z3r0c00l
Sat Mar 07, 2015 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wait till June Fed meeting before adding to VBTLX?
Replies: 17
Views: 1140

Re: US economy, $ strong -> implication for various asset cl

If you want to speculate, Russian stocks will do nicely.
by z3r0c00l
Sat Mar 07, 2015 5:35 pm
 
Forum: Investing - Theory, News & General
Topic: US economy, $ strong -> implication for various asset class
Replies: 7
Views: 1024

Re: Can my friend retire at 30 with 800K saved?

I am slightly older in a high COLA, and to actually stop working right now and feel 100% safe, I would want about 4 or 5 million invested conservatively. That means living to 85 possibly, and continuing to enjoy a modest but not spartan life. So no, 800,000 at 30 would make me very confident, certai...
by z3r0c00l
Sat Mar 07, 2015 5:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can my friend retire at 30 with 800K saved?
Replies: 19
Views: 2326

Re: Investing in China

Yes there are, but they are small and risky ETFs generally :
https://www.google.com/webhp?sourceid=c ... hina%20etf
by z3r0c00l
Sat Mar 07, 2015 4:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in China
Replies: 8
Views: 763

Re: Why are bonds a bad investment for a taxable account?

They are not bad, just sometimes less than optimal. Taxes may stink, but paying more taxes does not mean that making more income is a bad thing. No one turns down a million dollars because of the taxes involved. Regular bonds in taxable are fine if you don't have a better option.
by z3r0c00l
Sat Mar 07, 2015 11:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Why are bonds a bad investment for a taxable account?
Replies: 22
Views: 2048

Re: Bonds, REITs, Utilities, Commodities and Stocks down - W

canbonbon wrote:So where do we invest now? How can everything go down at the same time? Where are great folks on this forum investing new money now?


Surely you are aware of the concept of buying low and selling high : ) So if everything is down then one can more comfortably buy anything and everything.
by z3r0c00l
Sat Mar 07, 2015 8:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds, REITs, Utilities, Commodities and Stocks down - Wow
Replies: 66
Views: 4250

Re: 5-year CDs

No because bond mutual funds adjust to interest rates on the fly, daily, are totally liquid in whole or in small fractions, and I can add to them monthly or quarterly, and at 2.x%, they are doing well enough to compete with a 5 year CD, albeit at greater risk. I would rather own iBonds than a 5 year...
by z3r0c00l
Fri Mar 06, 2015 7:03 am
 
Forum: Investing - Help with Personal Investments
Topic: 5-year CDs
Replies: 22
Views: 2607

Re: Safe investment for 1 year

Why are you buying a car? Do you need one? My advice is buy a $10k car and invest the rest. You'll come out ahead in the end Yes, you can earn far more by simply buying a solid used car: http://www.cargurus.com/Cars/l-Used-Toyota-Camry-d292#listing=107587142 I have no idea what you are looking for,...
by z3r0c00l
Thu Mar 05, 2015 7:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Safe investment for 1 year
Replies: 13
Views: 1242

Re: Illiquid Assets

My most illiquid investments then are iBonds. But they return basically zero net. Total International is quite liquid, but what does it mean to be liquid if the investment can reasonably be expected to fall by 50% in a bad year? I think the risk is plenty and being able to sell after a crash is not ...
by z3r0c00l
Mon Mar 02, 2015 7:06 am
 
Forum: Investing - Theory, News & General
Topic: Illiquid Assets
Replies: 44
Views: 3619

Re: Market Cycle Psychology

Maybe the cusp of optimism? This was a fairly deep recession so if the cycle is the same, it may just take longer to go through the steps. Rest assured, if the stock market can keep this up for another 1-3 years, the plebs will be day trading and buying Janus Intergalactic Medical Explorer Nano Bala...
by z3r0c00l
Sun Mar 01, 2015 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Market Cycle Psychology
Replies: 9
Views: 347

Re: Not "Staying the Course"

Yes, if PE ratios hit truly astronomical numbers such as above 35, I would strongly consider selling a chunk of stock holdings and increase my bond holdings in order to feel comfortable. Since bond/stock ratio is a personal choice, I don't quite see this as market timing. Instead, it is just doing w...
by z3r0c00l
Sun Mar 01, 2015 2:57 pm
 
Forum: Investing - Theory, News & General
Topic: Not "Staying the Course"
Replies: 40
Views: 4876

Re: International increase in Target Retirement & LifeStrate

At once good, because international stock allocation has always been too low, and very disturbing because international bonds are a horrible investment for the foreseeable future. I mean .84% yield to lend money to a list that includes 14% Italy and Spain? A 12 month CD beats this with no ER and no ...
by z3r0c00l
Sat Feb 28, 2015 9:49 am
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 219
Views: 17191

Re: International is disappointing

Since you have International at 15% then it probably does not make a huge difference whether you rebalance that or not. I think much more disturbing is your thought to kick an asset class to the side when it has 5 years of relative under performance. I think that is the issue you need to give thoug...
by z3r0c00l
Sat Feb 28, 2015 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 84
Views: 7059

Re: International is disappointing

Look at the image below. 1978-1988 international (EAFE, international large cap) beat U.S. (S&P 500, U.S. large cap). 1988-1998 U.S. beat international 1998-2008 International beat U.S. 2008-2018 ??? So one can take 50/50 odds of guessing the better investment for a decade. Or one can be 100% c...
by z3r0c00l
Fri Feb 27, 2015 10:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 84
Views: 7059

Re: International is disappointing

Vanguard Total International has underperformed the S&P 500 in the past 5 years by more than 60%? So disappointing that I'm considering taking the risk and going 100% Vanguard TSM (Total Stock Market). Since the purpose of holding international is diversification, this shows it IS working. It i...
by z3r0c00l
Fri Feb 27, 2015 7:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 84
Views: 7059

Re: 401k bond question.

What is the expense ratio for the stable value fund? They are sometimes more expensive.
by z3r0c00l
Thu Feb 26, 2015 8:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k bond question.
Replies: 5
Views: 341

Re: Anyone still owns RadioShack?

Not really worried because I also own the companies that did profit from the electronics revolution.
by z3r0c00l
Thu Feb 26, 2015 6:40 am
 
Forum: Investing - Theory, News & General
Topic: Anyone still owns RadioShack?
Replies: 5
Views: 986

Re: Market Top

Actually I sold it all during the market tops in 1989. Still waiting for DOW to get back to 2,600 so I can buy back in.
by z3r0c00l
Sat Feb 21, 2015 10:30 am
 
Forum: Investing - Theory, News & General
Topic: [What to do at] Market Top
Replies: 57
Views: 5207

Re: Chase?

I first started in the mutual fund game when Chase arranged a meeting with one of their brokers who talked me out of a CD and into a fair to poor mutual fund that, of course, paid them for the business. The timing wasn't great but the fund was conservative and after a few years, I moved out. They ch...
by z3r0c00l
Fri Feb 20, 2015 7:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Chase?
Replies: 10
Views: 1073

Re: Does Inflation eliminate the Safety of Bonds?

I would be okay with 0% real on bonds, and iBonds offer that. 1% would be good though.
by z3r0c00l
Thu Feb 19, 2015 6:52 pm
 
Forum: Investing - Theory, News & General
Topic: Does Inflation eliminate the Safety of Bonds?
Replies: 42
Views: 3448

Re: Keep buying regardless of price movement?

Do people buy in even when price goes up when thy have control over timing of purchase unlike 401k, which gets contributed biweekly? In 1932 the Dow was at 41. Why would anyone buy after that point, better to wait for it to go back down. The same can't be said for everything. I bought a lot of Ruge...
by z3r0c00l
Thu Feb 19, 2015 6:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Keep buying regardless of price movement?
Replies: 17
Views: 2102

Re: Why does 10-year T note price change daily?

Of course, since we rarely have to buy or sell, the price changes (rarely more than a few percent over a year) don't cause much harm.
by z3r0c00l
Thu Feb 19, 2015 6:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Why does 10-year T note price change daily?
Replies: 3
Views: 448

Re: Keep buying regardless of price movement?

Prague wrote:Do people buy in even when price goes up when thy have control over timing of purchase unlike 401k, which gets contributed biweekly?


In 1932 the Dow was at 41. Why would anyone buy after that point, better to wait for it to go back down.
by z3r0c00l
Wed Feb 18, 2015 10:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Keep buying regardless of price movement?
Replies: 17
Views: 2102

Re: Voya 401k down

Was not working this morning for me, called the 1-800 number and was able to speak to a person, he admitted that there was a problem (after trying to get me to talk to a financial adviser!) but had no reply to my query about putting a notification up on the website. "Unfortunately that is the o...
by z3r0c00l
Tue Feb 17, 2015 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Voya 401k down
Replies: 16
Views: 1055

Re: Tobyhanna (Valor)-did they change conditions of 7 year C

Adding funds in year 2 of 7 at a 3% fee would not be horrible I guess.
by z3r0c00l
Mon Feb 16, 2015 8:04 pm
 
Forum: Investing - Theory, News & General
Topic: Tobyhanna (Valor)-did they change conditions of 7 year CD?
Replies: 11
Views: 1011

Re: One stock

The not fun answer is Berkshire Hathaway, it has half-decent diversification as single stocks go. The fun answer, which you had in mind, would be General Electric. They have the right combination of innovative high tech and low tech everyday products, it is a stable company that pays out profits in ...
by z3r0c00l
Mon Feb 16, 2015 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: One stock
Replies: 35
Views: 1984

Re: Voya 401k down

Still not working, has anyone been able to get back in after having this problem?
by z3r0c00l
Mon Feb 16, 2015 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Voya 401k down
Replies: 16
Views: 1055

Re: Voya 401k down

Yes, I had the same issue on Friday. Got home after more than a few beers so was at first afraid that I was losing my mind. The next morning I presumed that I had been locked out due to failed drunk login passwords. Then I called to make sure the money was still there, it is... Funny how giant corpo...
by z3r0c00l
Sun Feb 15, 2015 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Voya 401k down
Replies: 16
Views: 1055

Re: 5.6% stable value fund - what allocation?

The NYC teachers retirement system has no requirement that the 7% be supported wholly by investments. They could, at any time, simply pay that interest they way they pay billions in salary and other benefits to employees. A Ponzi scheme would demand that new retirement money is required to pay out t...
by z3r0c00l
Sun Feb 15, 2015 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: 5.6% stable value fund - what allocation?
Replies: 29
Views: 2583

Re: Vanguard - remove old funds associated with account

My old accounts were removed, I think it takes about 12 months from the time balance goes to zero. I can confirm that once my last zero balance account goes away in a few months. I agree that for people trying to simplify, even though it really does no harm to see old accounts, it just feels better ...
by z3r0c00l
Sun Feb 15, 2015 12:54 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard - remove old funds associated with account
Replies: 10
Views: 1175

Re: 5.6% stable value fund - what allocation?

NYC teachers were getting 8% in a retirement account, now it is down to 7% or something but still. My mom has been maxing it out for years, best investment ever. So it is not impossible if the company or government is subsidizing returns. https://www.trsnyc.org/trsweb/passportFunds/fixedReturnFund.h...
by z3r0c00l
Sun Feb 15, 2015 9:43 am
 
Forum: Investing - Theory, News & General
Topic: 5.6% stable value fund - what allocation?
Replies: 29
Views: 2583

Re: What is your "margin investing" threshold?

Similar to my payday loan threshold. Higher than loan shark threshold or organ selling overseas.
by z3r0c00l
Thu Feb 12, 2015 10:32 pm
 
Forum: Investing - Theory, News & General
Topic: What is your "margin investing" threshold?
Replies: 13
Views: 1399

Re: What Mr. Bogle says on speculation vs investment is shoc

Yes imagine a boat going up and down with each wave, many times every minute. Then consider that same boat slowly going up during the 6 hours between low and high tide. That boat has experienced thousands of feet of motion, but how much has it actually gone up in those six hours? Perhaps 3 feet. Thi...
by z3r0c00l
Wed Feb 11, 2015 8:33 pm
 
Forum: Investing - Theory, News & General
Topic: What Mr. Bogle says on speculation vs investment is shocking
Replies: 4
Views: 909

Re: Exotic investment?

The boglehead side of me screams: "Sell, sell, sell". But the old, risk-taking, stock-picking, irrational side of me says, "Hmmmmm". So too does my market timing side. Bonds have done very well for a while now. This was a gamble that worked out, I would take the money off the ta...
by z3r0c00l
Mon Feb 09, 2015 6:57 am
 
Forum: Investing - Theory, News & General
Topic: Exotic investment?
Replies: 4
Views: 646

Re: iPhone radiation levels

Pseudoscience and a scam website to boot. The images of credit cards on the top of the homepage are a good warning sign. Here are some other similar items: http://www.promagnet.com/ http://www.enterprisemission.com/ http://www.hgtv.com/design/rooms/bedrooms/feng-shui-your-bedroom If you think I am b...
by z3r0c00l
Sun Feb 08, 2015 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: iPhone radiation levels
Replies: 31
Views: 2407

Re: What do you use besides 3 Fund Portfolio? Why?

iBonds, CD, and bank accounts. This all counts as an eFund rather than investments, although the iBonds are a pretty significant source of income.
by z3r0c00l
Sun Feb 08, 2015 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: What do you use besides 3 Fund Portfolio? Why?
Replies: 18
Views: 1150
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