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Re: should participate in employer matches?

Skpetic, can you tell us what the investment options are?
by z3r0c00l
Tue Sep 30, 2014 7:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: should participate in employer matches?
Replies: 18
Views: 1105

Re: 'Play Money' - why 5%?

There really is no reason, it is just the figure that many people arbitrarily agree upon, like age in bonds or age-10 in bonds. It happens to be the area where many people are comfortable, the only way to understand it would be to understand the complex interplay between our culture and the human br...
by z3r0c00l
Sun Sep 28, 2014 4:06 pm
 
Forum: Investing - Theory, News & General
Topic: 'Play Money' - why 5%?
Replies: 42
Views: 1597

Re: R u selling PIMCO bond fund

I wouldn't particularly select that fund with or without Gross, but if I had to use it or already wanted it, the change shouldn't matter much. If anything, the lack of a celebrity manager could let the fund relax a bit and focus more on following the market rather than trying to beat it. I would cer...
by z3r0c00l
Sun Sep 28, 2014 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: R u selling PIMCO bond fund
Replies: 16
Views: 1464

Re: Will Investment Returns Ever Revert to "Normal"?

So now that we have moved from a emerging market to a developed one you expect higher returns?:) The US was never an emerging market. It's more likely just noise, with the wars and Great Depression contributing too. I would definitely say the US was an emerging market in the early parts of the 1800...
by z3r0c00l
Sun Sep 28, 2014 10:15 am
 
Forum: Investing - Theory, News & General
Topic: Will Investment Returns Ever Revert to "Normal"?
Replies: 56
Views: 4253

Re: Will Bill Gross beat the Total Bond Market Index?

Janus has a not so great history, and the mutual fund he is going to run has what a 1% ER overall or something nutso like that? On top of it all, I see bond funds as intended to be safe and stable. His methods don't jibe with those expectations. I will gladly give up some performance for a .08 ER an...
by z3r0c00l
Sun Sep 28, 2014 10:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 57
Views: 5727

Re: Unexpected Emergency

campy2010 wrote:I would put an unexpected large medical expenses on a 0% interest credit card. I've seen some promotions at 0% interest for as long as 18 months. Pay it off over time and preserve the EF and 401k.


You have a $250,000 credit line?
by z3r0c00l
Fri Sep 26, 2014 7:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Unexpected Emergency
Replies: 33
Views: 3220

Re: Is Now a Good time to Buy Bonds ???

I'm 37 years old, and 95% in stocks index funds. I eventually want to get to 80/20 by age 40... But we are nearing the end of a long bull market for bonds. Is now a good time to buy, knowing that bond funds will fall soon? If someone knew the answer to this with confidence, they would not tell anyo...
by z3r0c00l
Thu Sep 25, 2014 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Now a Good time to Buy Bonds ???
Replies: 19
Views: 1814

Re: Buy today or stick to plan?

Going a bit early on a RBD doesn't do much harm directly, but if it causes you to slip further and further from the investment plan, and causes you to time the market more and more, it is a problem.
by z3r0c00l
Thu Sep 25, 2014 7:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy today or stick to plan?
Replies: 29
Views: 2751

Re: Total bond index or 5 yr CD?

I prefer iBonds to the CD because they dynamically adjust rate to keep up with inflation; they start out locked for 12 months, then become a 5 year CD until year 5 and ultimately a CD with no penalties at all, in effect. However the $10,000 a year limitation is a big one. I keep short CDs for my efu...
by z3r0c00l
Sat Sep 20, 2014 2:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total bond index or 5 yr CD?
Replies: 36
Views: 2781

Re: AliBaba

Getting a big chunk of China business this way is great, but I can't help seeing parallels between the China of today and Japan of 1989. So the exciting thing about AliBaba would be if they make a solid go of it in Europe and the US.
by z3r0c00l
Sat Sep 20, 2014 9:47 am
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 128
Views: 8168

Re: Holding Cash because Tried to time Market

There is no shame in admitting that you don't have the nerve for investing. Instead, you can put your money in CDs and just work harder or longer. Could potentially do less damage that way.
by z3r0c00l
Thu Sep 18, 2014 7:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Holding Cash because Tried to time Market
Replies: 78
Views: 6389

Re: How much you need to save as multiple of salary

Maybe I don't earn that much but by the time I am 35 I would expect to have at least 5x annual salary saved. Anything less would feel short of the mark.
by z3r0c00l
Tue Sep 16, 2014 7:11 am
 
Forum: Investing - Theory, News & General
Topic: How much you need to save as multiple of salary
Replies: 51
Views: 6311

Re: Why Invest in Bonds in your early 30s?

How would you feel if 40% of your life savings evaporated? Or 90%. Because that is the worst case scenario of going all in 100% stocks at the worst time in 1929. Of course that magnitude of drop took some time to build in, and recovery was slow but significant by 8 years later. Still, how many woul...
by z3r0c00l
Mon Sep 15, 2014 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Invest in Bonds in your early 30s?
Replies: 43
Views: 3570

Re: Am I in over my head?

I am 19 and received $250,000, currently have a paid off car and no job but I basically live for free. Everyone keeps telling me I should just speak with Financial Advisors and find one who has been doing it for a long time. I feel like I could just make a Vanguard account and do something like 40%...
by z3r0c00l
Sun Sep 14, 2014 7:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I in over my head?
Replies: 51
Views: 4659

Re: CD Rate ?

right, .25 = 25%
by z3r0c00l
Sun Sep 14, 2014 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: CD Rate ?
Replies: 3
Views: 413

Re: Do i need to invest in bonds?

Way too focused on a small economy upon which other factors of your life also depend. As a US citizen, one could make the strongest case for not needing international allocation. And I still suggest market cap or about 50/50. Even today, markets do not always move in unison. Why would one invest onl...
by z3r0c00l
Sat Sep 13, 2014 9:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Do i need to invest in bonds?
Replies: 11
Views: 1109

Re: VDE [for 5% "casino money"?]

I wouldn't call that gambling, perhaps a slight tilt. I would do VGPMX - precious metals, but that fund is such a stinker this decade, basically returning minimally over 15 years, with extremely large dividends. Holding actual metals at home would have been better. Would it not be more fun and risk ...
by z3r0c00l
Sat Sep 13, 2014 8:29 am
 
Forum: Investing - Help with Personal Investments
Topic: VDE [for 5% "casino money"?]
Replies: 11
Views: 951

Re: POLL: What was the first stock you ever bought?

Never purchased a single stock or smoked a cig. Would only own stock if I worked at a company with ESPP.
by z3r0c00l
Fri Sep 05, 2014 6:59 am
 
Forum: Investing - Theory, News & General
Topic: POLL: What was the first stock you ever bought?
Replies: 74
Views: 2860

Re: struggling to understand "bond crash"

A bad year for bonds = a bad day for stocks. Something to keep in mind.
by z3r0c00l
Thu Sep 04, 2014 8:21 pm
 
Forum: Investing - Theory, News & General
Topic: struggling to understand "bond crash"
Replies: 13
Views: 2046

Re: So, when does a market timer get back in?

I was very tempted to buy $4000 during this dip, would have made a cool 4% return to date or so, $150... Held out for the scheduled quarterly purchase and rebalance plan. Of course the shares already owned made many times this amount. Timers will get back in after the next recession; SP 500 will go ...
by z3r0c00l
Thu Sep 04, 2014 8:19 pm
 
Forum: Investing - Theory, News & General
Topic: So, when does a market timer get back in?
Replies: 54
Views: 5533

Re: BOGLEHEAD CONTEST -- S&P 500 Index at record 2000

Unfortunately I think these 7 will not win. It is either going up or down from here! : )
by z3r0c00l
Wed Aug 27, 2014 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- S&P 500 Index at record 2000
Replies: 4
Views: 882

Re: What 5 stocks can I own forever?

Kodak, Tennessee Coal Iron and RR, US Rubber, American Cotton Oil, Facebook.
by z3r0c00l
Tue Aug 26, 2014 7:23 am
 
Forum: Investing - Help with Personal Investments
Topic: What 5 stocks can I own forever?
Replies: 58
Views: 4580

Re: S&P500 over 2000

Doctor Shiller's predictions From CNBC dated 31 December 2010 - Using long term analysis, Professor Robert Shiller, macromarkets chief economist at Yale University and the co-creator of the S&P/Case-Shiller Home Price Index, told CNBC on Friday that the S&P 500 may reach 1430 by the year 20...
by z3r0c00l
Tue Aug 26, 2014 7:21 am
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5444

Re: 100% stock AA-> At what age to add bonds?

For my system? I should have had started with 5% bonds at age 15.
by z3r0c00l
Sun Aug 24, 2014 10:34 pm
 
Forum: Investing - Theory, News & General
Topic: 100% stock AA-> At what age to add bonds?
Replies: 58
Views: 3787

Re: Downsizing emergency fund

Don't just worry about the risk of putting some of this money in stocks and bonds, worry also about the risk of inflation.
by z3r0c00l
Fri Aug 22, 2014 8:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Downsizing emergency fund
Replies: 12
Views: 1419

Re: Playing Millenial Student Debt

I don't find this information reliable enough or, even if reliable, actionable in any particular way. More important than what happens to middle class millenials who delay buying a home, worry about the impact on the economy from having 50 million Americans below the poverty line. The action there i...
by z3r0c00l
Tue Aug 05, 2014 7:11 am
 
Forum: Investing - Theory, News & General
Topic: Playing Millenial Student Debt
Replies: 5
Views: 661

Re: What to tell friends who think "it's all a scam"

I much prefer to wait it out and see their remorse after stocks continue to be the best investment around for decades. Then again, I enjoy a touch of schadenfreude at the expense of conspiracy thinkers. E.g. the gold bugs of the past 5 years.
by z3r0c00l
Mon Aug 04, 2014 7:42 pm
 
Forum: Investing - Theory, News & General
Topic: What to tell friends who think "it's all a scam"
Replies: 64
Views: 5775

Re: RBD here yet? (DOW -300points drop) [Really Bad Day]

Stocks now down to where they were in late May. If you simply purchased back in early May, instead of waiting for an RBD... Better yet in April, or March. The RBD concept = buying on the dips. It has no basis in mathematical reality and is one of many schemes that seeks to out think the market. It t...
by z3r0c00l
Fri Aug 01, 2014 7:12 am
 
Forum: Investing - Help with Personal Investments
Topic: RBD here yet? (DOW -300points drop) [Really Bad Day]
Replies: 49
Views: 5120

Re: Goodbye and Good Luck!

M_to_the_G wrote:banned three times... wha? huh? stayed too long trying to pay it forward? refocus energies on something other then personal finance?

I don't get it...


Wants to spend more time with family.
by z3r0c00l
Tue Jul 29, 2014 9:04 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Goodbye and Good Luck!
Replies: 12
Views: 2651

Re: Stocks: losing money for 20-30 years not uncommon

But how many put their entire nest egg into the market right before a crash and then never add any more money? I would like to see the worst 30 years for someone who invested $1,000 a year for the entire 30 years.
by z3r0c00l
Tue Jul 29, 2014 9:02 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: losing money for 20-30 years not uncommon
Replies: 43
Views: 4322

Re: Bonds!!??

This matches my experience with Chase bank representatives. They never really know what they are talking about and simply push the products (crappy mutual funds from Franklin Tempelton or Alliance Bernstein) that make them the most money. As I was closing my relationship with the last Chase adviser,...
by z3r0c00l
Tue Jul 29, 2014 6:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds!!??
Replies: 56
Views: 10928

Re: Afraid of Bonds

These bond posts have been around for a few years now. Last I checked, my bond purchases at Vanguard are in the green. So not only better income than a CD or bank account, but they actually made a small cap. gain as well. Be afraid of missing out on time in market. Be afraid of inflation.
by z3r0c00l
Sat Jul 26, 2014 8:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Afraid of Bonds
Replies: 28
Views: 2315

Re: possible to have TOO MUCH in 401k account?

2) What if taxes are higher when you retire? http://taxfoundation.org/article/us-federal-individual-income-tax-rates-history-1913-2013-nominal-and-inflation-adjusted-brackets for example, in 1983 the tax rate for income exceeding $34,100 (~80k in todays dollars) was 40%. Historically speaking, our ...
by z3r0c00l
Fri Jun 13, 2014 6:54 am
 
Forum: Investing - Help with Personal Investments
Topic: possible to have TOO MUCH in 401k account?
Replies: 54
Views: 7402

Re: Bond ETFs a certain loss?

We had a great break from these bond posts for a while, I guess because bonds once again beat expectations. Now that interest rates are increasing a bit, the posts are back.
by z3r0c00l
Thu Jun 12, 2014 6:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond ETFs a certain loss?
Replies: 16
Views: 1169

Re: Demographics of Millenials and how that will affect retu

We may be delaying children and marriage but we are not delaying spending. Couples live together and buy houses or rent houses. Couples still travel, eat out, spend money, etc. Obviously the largest anchor weighing down millenials is our titanic student loan obligations. Actually the average studen...
by z3r0c00l
Fri Jun 06, 2014 7:15 am
 
Forum: Investing - Theory, News & General
Topic: Demographics of Millennials and how that will affect returns
Replies: 14
Views: 1871

Re: Emergency Fund. Not Boglehead-ish?

This, like bond allocation, is largely a personal choice. Do what makes you feel comfortable. Although I keep a very healthy emergency fund, larger than most, it allows me to comfortably invest at 80 - 20. I doubt I would do that without a solid e fund and so in that way, it is not exactly a drag be...
by z3r0c00l
Thu Jun 05, 2014 6:40 pm
 
Forum: Investing - Theory, News & General
Topic: Emergency Fund. Not Boglehead-ish?
Replies: 28
Views: 2021

Re: I need some "hand-holding" right now...

"I took a big hit (as most did) in 2008 and pulled out of the market for several years. Mistake. All the gloom and doom news and the market just continued to grow ever since! Many have about doubled their value since 2009!" Actually I am going to talk you out of investing. If you don't hav...
by z3r0c00l
Sun May 25, 2014 11:45 am
 
Forum: Investing - Theory, News & General
Topic: I need some "hand-holding" right now...
Replies: 51
Views: 5493

Re: GoPro IPO

I am excited to see GoPro develop lots of additional products like wireless waterproof microphones etc. They should stick to high quality and they may be the Kodak of the new era of video content. Some day soon, most content could be filmed on a GoPro and hosted on Youtube, LiveLeak, etc. However, I...
by z3r0c00l
Fri May 23, 2014 7:03 am
 
Forum: Investing - Theory, News & General
Topic: GoPro IPO
Replies: 30
Views: 2976

Re: Where to Allocate 10K Right Now

Actually I will have this very same issue soon! Next month I will put any extra money in my savings account into mostly these two stock funds and a bit of bonds too. Total stock market happens to be down by 1,000 so it will get 1,000 more. Bonds purchased to keep my ratio 80/20. It is really comfort...
by z3r0c00l
Mon May 19, 2014 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to Allocate 10K Right Now
Replies: 32
Views: 1893

Re: Saving to buy house. Invest in municipal bonds?

I read an earlier post about saving money to buy a house. The comments, if I recall, suggested CDs or Vanguard Life Strategy Funds. What about short/intermediate term California (that's my state of residence) or national municipal bonds? CDs vs Vanguard mutual funds are totally different. Depending...
by z3r0c00l
Sun May 18, 2014 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving to buy house. Invest in municipal bonds?
Replies: 5
Views: 699

Re: "Get out of bond funds"

Vanguard estimates that nominal high quality bond returns over the next decade to be somewhere around 2%, which is likely to be at or below the 10 year inflation rate. That is to say about a zero real return for a decade. Why lock up dead money for a decade when you're early in the accumulating pha...
by z3r0c00l
Tue May 13, 2014 7:11 am
 
Forum: Investing - Theory, News & General
Topic: "Get out of bond funds"
Replies: 147
Views: 23008

Re: Buffett pulls further ahead

Doesn't this provide further reason not to invest beyond it's market weight?
by z3r0c00l
Tue May 06, 2014 7:08 am
 
Forum: Investing - Theory, News & General
Topic: Buffett pulls further ahead
Replies: 16
Views: 3106

Re: 14 yr. old nephew wants to invest $600

Fun, but a bank account might be best. It gives him the flexibility to save more money, perhaps even weekly depositing money he earns. Teaching to save regularly is more important now, and if he needs some of it he can get it from a bank account without liquidating a mutual fund and paying taxes.
by z3r0c00l
Tue May 06, 2014 7:03 am
 
Forum: Investing - Help with Personal Investments
Topic: 14 yr. old nephew wants to invest $600
Replies: 16
Views: 1816

Re: Retirement in 15 years, $200K in cash

Employer provides a 5% match of total paycheck. 15 years is also a very conservative estimate. I'm 50 years old and I plan on working as long as possible which hopefully ends up being around 20-25 years. You probably will have to unless you save quite a bit starting now, say 30,000 a year for the n...
by z3r0c00l
Mon May 05, 2014 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement in 15 years, $200K in cash
Replies: 16
Views: 3205

Re: Cash I bonds for college fees?

good points! we dont qualify for any financial aid (fasfa). but i like your idea of cahsing some of the more recent bonds. i notice when i go to the bond value calculator that it shows the older i bonds earning close to 4% (is that possible?) and more recent ones showing 1.19%. Those bonds from the...
by z3r0c00l
Mon May 05, 2014 9:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Cash I bonds for college fees?
Replies: 7
Views: 689

Re: Wait to invest since stocks are high?

And if it goes higher wait some more? My unscientific method is it is usually reasonable to do some lump sum immediately and then dollar cost average the rest over 6-9 months. When the market is at an objective high (not that it feels high) then maybe the initial lump is 20-25%. If the market has b...
by z3r0c00l
Sun May 04, 2014 8:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Wait to invest since stocks are high?
Replies: 13
Views: 1598

Re: Where are the Opportunities now ?

greg24 wrote:Today is a good opportunity to challenge yourself to increase your 401k withholding by 1 or 2%.


Exactly, opportunities look like working harder, working a 2nd job, trying to get a better job, saving more, spending less. This will almost certainly trump any investment choices you make.
by z3r0c00l
Sun Apr 27, 2014 8:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Where are the Opportunities now ?
Replies: 37
Views: 3606

Re: Starting Again - 35yo Australian in Japan

My concerns are that 1) coming off the back of my bad investment I'm going to try to make up for lost time and go in too aggressively One thing that I'm sure will come up is "why don't you sell the company stock?" Well, apart from the capital gains tax we'd be hit with it's my wife's and ...
by z3r0c00l
Sat Apr 19, 2014 7:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Starting Again - 35yo Australian in Japan
Replies: 11
Views: 1517

Re: Save for 25 years = $1million?

Don't make the kid feel bad, but in 25 years a million wont seem like much. If he gets a few promotions and keeps working at a big company, he could be earning $200,000 a year in his last 10 years on the job. A million will be easy, but not enough at that point. His target should be 3 million by 65.
by z3r0c00l
Tue Apr 15, 2014 6:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Save for 25 years = $1million?
Replies: 22
Views: 4278

Re: Stocks: How Bad It Can Get

Remember this is how bad it has been in the past. It can get quite a bit worse, as in the value of all human holdings going to zero. One hopes to think that is unlikely, but I doubt it is.
by z3r0c00l
Tue Apr 15, 2014 6:15 am
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 72
Views: 6027
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