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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: 114
Views: 6872

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: 72
Views: 4171

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: 72
Views: 4171

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: 72
Views: 4171

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: 318

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: 944

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: 4920

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: 1035

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: 3301

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: 2012

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: 441

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: 2012

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: 1018

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: 973

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: 1881

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: 1018

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: 1018

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: 2525

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: 1134

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: 2525

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: 1343

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: 903

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: 637

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: 2336

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: 1115

Re: When 60/40 just isn't appropriate

@Nisiprius. Could it be that people find 60/40 attractive for some mystical reason? It's very close to the "golden ratio" -- https://en.wikipedia.org/wiki/Golden_ratio. I have sometimes gravitated toward something like that in asset allocations of different types, e.g., between growth vs....
by z3r0c00l
Sun Feb 08, 2015 3:06 pm
 
Forum: Investing - Theory, News & General
Topic: When 60/40 just isn't appropriate
Replies: 127
Views: 13035

Re: Vanguard Total Bond - Not reccomended by Swedroe??

"Don't invest in something you don't understand." I certainly don't understand MBS securities, and that's a basic investment reason for me to avoid TBM. Rick van Ness, who also avoids TBM, says the same thing in Why Bother with Bonds? What's not to understand about MBS? Even CMOs, CDOs or...
by z3r0c00l
Sat Feb 07, 2015 11:00 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Total Bond - Not reccomended by Swedroe??
Replies: 23
Views: 3759

Re: Ten Year Treasuries Up 1.68 to 1.95 This Week

Yes, jobs report suggests that rate increase will happen sooner rather than later.
by z3r0c00l
Sat Feb 07, 2015 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Ten Year Treasuries Up 1.68 to 1.95 This Week
Replies: 24
Views: 1959

Re: stagnant Pension - what to do?

Yes, same pension rules for me. Company still contributes but this is just one reason why I think pensions are a pretty antiquated benefit. Would much rather a healthy 401K match and be done with it, especially because companies can stop contributing to pensions on a whim. Consider it one possible r...
by z3r0c00l
Thu Feb 05, 2015 7:16 am
 
Forum: Investing - Help with Personal Investments
Topic: stagnant Pension - what to do?
Replies: 6
Views: 916

Re: Hedging the Swiss Franc - possible?

If you can afford it today, just exchange the money today.
by z3r0c00l
Wed Feb 04, 2015 7:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Hedging the Swiss Franc - possible?
Replies: 7
Views: 476

Re: Bearish Boglehead, is there such a thing?

Without inflation and the red queen situation it causes, it would be closer to reasonable to just save money in a bank account. That is part of the reason why some inflation is attractive; it forces people to not just keep the money in a bank account. Without inflation, I would consider it pretty re...
by z3r0c00l
Mon Feb 02, 2015 7:04 pm
 
Forum: Investing - Theory, News & General
Topic: Bearish Boglehead, is there such a thing?
Replies: 45
Views: 3931

Re: How am I doing? (28yr old male)

Why leave all your nest-egg at the mercy of Wall street? May I suggest the road less traveled. Find yourself a small apartment building and invest in it. You can always hire a management company to help out with issues. You need something you can see and feel, rather than just paper profits. Wow, c...
by z3r0c00l
Mon Feb 02, 2015 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: How am I doing? (28yr old male)
Replies: 14
Views: 2620

Re: Buy High, Sell Low : Avoid Market Timing

I don't sell my investments at all, since they are meant to be 10+ year investments. Instead I rebalance by buying most whatever is lagging. That feels good emotionally, even though it is not exactly buying low, it feels like it! Nothing is cheap right now so it gets harder. If I don't feel right on...
by z3r0c00l
Mon Feb 02, 2015 7:12 am
 
Forum: Investing - Theory, News & General
Topic: Buy High, Sell Low : Avoid Market Timing
Replies: 32
Views: 3214

Re: Met a Vanguard basher TransAmerica Insurance pusher

Similar to the advisers at my local bank. Always trying to sell something to me, always failing because they don't seem to have even a basic understanding of what options are out there. They know as far as the fact sheets meant to sell expensive Alliance Bernstein mutual funds or worse. I met a guy ...
by z3r0c00l
Mon Feb 02, 2015 7:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Met a Vanguard basher TransAmerica Insurance pusher
Replies: 41
Views: 4655

Re: Boomers and dividend stocks

Household investors have perhaps 1/4th of all public equities (census 2010) and considering how infrequently they trade, mostly held in retirement accounts and the like, I doubt there is any major trend to get ahead of here.
by z3r0c00l
Mon Feb 02, 2015 7:05 am
 
Forum: Investing - Theory, News & General
Topic: Boomers and dividend stocks
Replies: 21
Views: 1699

Re: Problem importing Vanguard into Turbotax

mur44 wrote:I downloaded my Vanguard data successfully yesterday.
By the by, I am using Turbotax Premier version.


Same, dividends killed me this year.
by z3r0c00l
Sun Feb 01, 2015 8:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Problem importing Vanguard into Turbotax
Replies: 13
Views: 1470

Re: Boomers and dividend stocks

No, it just doesn't work the way most people think it does. (Like most investors who hope their stock will split so they can double their money.) Dividends are important and, to old fashioned investors like me, the ultimate goal of owning stock in mature companies. Think Apple, at some point they sh...
by z3r0c00l
Sun Feb 01, 2015 7:26 pm
 
Forum: Investing - Theory, News & General
Topic: Boomers and dividend stocks
Replies: 21
Views: 1699

Re: Is This Market Timing?

This system makes no sense. If you wait, the fund goes up 10%, then you buy when it goes back down by 2%, you are buying in 8% higher than when you started. I get the logic of DCA for large lump sums, nothing wrong with sleeping well. But games like "buying on the dips" are better suited f...
by z3r0c00l
Sat Jan 31, 2015 9:48 pm
 
Forum: Investing - Theory, News & General
Topic: Is This Market Timing?
Replies: 7
Views: 360

Re: question about investing in oil, USO

I agree that it is possible, even likely that this fund will go up 50 - 100% in the next year or two. But that comes at considerable cost and risk. Note the performance of this fund from 2009 'till 2014. Basically investors during that time made no money, there are no dividends, and there are fees t...
by z3r0c00l
Sat Jan 31, 2015 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: question about investing in oil, USO
Replies: 15
Views: 1095

Re: Is this too risky?

I am 32 and do 80% stock, 50/50 international/domestic. I use age-10 in bonds, rounding down to the nearest 5%. So that would put you at 90/10 but perhaps that is just not worth the trouble as 10% bonds won't do much. Maybe 80/20 is a good starting point and just stick with it for 10 years. I like t...
by z3r0c00l
Sat Jan 31, 2015 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is this too risky?
Replies: 7
Views: 1059

Re: How to respond when someone asks how much money you make

I would never tell someone what I made. It can do no good to anyone for them to know. Actually it can do considerable good for the employees, and harm to the company. Because many companies offer significantly different compensation for similar positions even when the employees have comparable qual...
by z3r0c00l
Sat Jan 31, 2015 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 107
Views: 10332

Re: Why not a 2 fund portfolio like Bogle suggests

Why not a two stock domestic portfolio? Just own Apple and GE. They kinda correlate with the entire market sometimes.

How can someone advocate indexing for domestic stocks but not the same thing for the global market?
by z3r0c00l
Fri Jan 30, 2015 6:51 am
 
Forum: Investing - Theory, News & General
Topic: Why not a 2 fund portfolio like Bogle suggests
Replies: 36
Views: 3955

Re: Mr. Bogle on CNBC today--International and Bonds

I understand the thinking in saying that there's no need to invest internationally because the U.S. is an international economy. But instead of asking "why invest internationally?" shouldn't the question really be "Why not invest in an additional 5,800+ companies, including BP, Shell...
by z3r0c00l
Thu Jan 29, 2015 7:17 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 50
Views: 6404

Re: Why international bonds outperformed

They became even more expensive and risky, for even less return.
by z3r0c00l
Thu Jan 29, 2015 6:45 am
 
Forum: Investing - Theory, News & General
Topic: Why international bonds outperformed
Replies: 4
Views: 692

Re: Just purchased 2015 maximum EE Series Bonds

I prefer iBonds, simply can't get behind doing anything other than 401k/stocks for 20 years (and even then, the 20 years is not required).

As Arthur mentioned, I will wait until May to buy iBonds for the chance at a .1 fixed - considering inflation is going nowhere fast right now.
by z3r0c00l
Tue Jan 27, 2015 9:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just purchased 2015 maximum EE Series Bonds
Replies: 67
Views: 4120

Re: Play money- what is your process?

Tempted to go long oil or Russia but unwilling to risk enough money to make this worthwhile. : (
by z3r0c00l
Tue Jan 27, 2015 8:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Play money- what is your process?
Replies: 68
Views: 5271

Re: Pension plan lump sum for low balance?

Lots of companies only offer the payout after a year, because there is a chance to get back on track within 12 months after which point you may not be able to. In other words, make sure you don't want to go back first. I would always take the lump sum personally, I find that peace of mind very valua...
by z3r0c00l
Mon Jan 26, 2015 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pension plan lump sum for low balance?
Replies: 11
Views: 706

Re: Is VIGIX diversified enough?

Top 10 stocks are 25% of the fund. That is not very diversified, but it is certainly a great deal (.08% er) and so I would be happy to hold this and then diversify with more stocks elsewhere, including taxable as possible. Personally, and this is very much a personal choice, I would make internation...
by z3r0c00l
Mon Jan 26, 2015 6:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Is VIGIX diversified enough?
Replies: 8
Views: 1349

Re: Vanguard U.S. Gov. Obligations 2014 File

http://www.newegg.com/Product/Product.a ... 6820178689

This will get you 60,000 years or so. *May not be useful in the next ice age.*
by z3r0c00l
Sun Jan 25, 2015 5:45 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard U.S. Gov. Obligations 2014 File
Replies: 9
Views: 865

Re: Where do you think the stock market heading this year?

It is really tempting to make a guess, but after oil and the Franc I will just throw in the towel. These two, plus the ongoing currency wars, were entirely unexpected to me. I was expecting interest rates to go up and that was about it. That didn't happen either.
by z3r0c00l
Sun Jan 25, 2015 9:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Where do you think the stock market heading this year?
Replies: 20
Views: 1583
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