Search found 527 matches

Return to advanced search

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: 8
Views: 853

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: 3996

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: 5346

Re: Mother Of Bog! I'm Uncertain/Frightened To Buy Fund

Yes go with a conservative fund and sleep well at night. However, the two funds you mention here are wildly different. One is 20% stocks and the other is 66% or so. Pick something reasonable and go with it. Maybe you want to buy half now and buy the next half in 6 months if that makes you feel bette...
by z3r0c00l
Sun Apr 13, 2014 10:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: I Really Would Appreciate Your Advice!
Replies: 72
Views: 2706

Re: U.S. stocks in freefall

Agreed. This 5 year engineered bull market has been no friend of long term accumulators who have had to buy at higher and higher prices. Be much better off for these folks if the market had stayed in purgatory for the last five years. Be careful what you wish for. Or we could hit Dow 30,000 in a fe...
by z3r0c00l
Thu Apr 10, 2014 10:54 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 742
Views: 122486

Re: What to do with cash?

The size of your student loan is way too similar to this 40K. I think the universe is trying to tell you something...
by z3r0c00l
Wed Apr 09, 2014 10:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with cash?
Replies: 16
Views: 2350

Re: Anyone else very reluctant to buy right now?

Based on one of Warren Buffet's favorite All due respect to him, but who cares? Who cares what he thinks? He has not beaten the market in 7 years from what I hear. I went to wsjonline, ran charts on BRK.B and SPX: value at 4/5/14: Brk.b 124.97 Spx 1911.63 value at 4/5/04: Brk.b 62.38 Spx 1107.30 ch...
by z3r0c00l
Tue Apr 08, 2014 6:23 am
 
Forum: Investing - Theory, News & General
Topic: Anyone else very reluctant to buy right now?
Replies: 124
Views: 11870

Re: Why so many Bond funds

"including corporate bonds and debentures, convertible and preferred securities, zero coupon obligations and tranches of collateralized debt obligations (CDOs) and collateralized loan obligations (CLOs)" Sounds like a winner! It did well enough recently, but everything this fund seeks to d...
by z3r0c00l
Mon Apr 07, 2014 7:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why so many Bond funds
Replies: 6
Views: 605

Re: Anyone else very reluctant to buy right now?

Based on one of Warren Buffet's favorite All due respect to him, but who cares? Who cares what he thinks? He has not beaten the market in 7 years from what I hear. Last I checked, total market cap was sitting well over 18 trillion, with GDP closer to 15 trillion. Not sure why this means anything. S...
by z3r0c00l
Mon Apr 07, 2014 6:59 am
 
Forum: Investing - Theory, News & General
Topic: Anyone else very reluctant to buy right now?
Replies: 124
Views: 11870

Re: How Ignorant am I? 5yr on Job, No 401k. 100K collecting

Hey, for whats it's worth, I'd rather be 30 and have 100k in the bank than be 31 and have only 70k in 401k. (oh wait.. who wouldnt!) Except he would have something like 50,000 in the bank and 125,000 in the 401K had he maxed it out for the past 5 years and got the 5% match and a 50% return on money...
by z3r0c00l
Sat Apr 05, 2014 6:40 am
 
Forum: Investing - Help with Personal Investments
Topic: How Ignorant am I? 5yr on Job, No 401k. 100K collecting dust
Replies: 36
Views: 3610

Re: Using municipal bonds for short term saving

If you know you have 5 years, I think a raise your rate 4 year Ally CD might be best for all around peace of mind and flexibility in the event of inflation. You get 1.3% right now.
by z3r0c00l
Tue Apr 01, 2014 9:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using municipal bonds for short term saving
Replies: 6
Views: 818

Re: [High-frequency trading hurts regular customers]

Investing largely through Vanguard, I worry less about this. A company with the GPD of Russia in assets strikes me as likely to get good deals when they have to trade.
by z3r0c00l
Tue Apr 01, 2014 7:19 pm
 
Forum: Investing - Theory, News & General
Topic: [High-frequency trading hurts regular customers]
Replies: 107
Views: 6230

Re: Watching The Market Is Not Investing

I like watching the market and reading news, it is fun. Only do it if you can remove emotion from the situation however.
by z3r0c00l
Sat Mar 29, 2014 7:03 pm
 
Forum: Investing - Theory, News & General
Topic: Watching The Market Is Not Investing
Replies: 12
Views: 1736

Re: Retired one month, now what?

Those "other" comments are best left unanswered since they were not really trying to be helpful. I will say that I did manage to increase my account more than 5X from it's all time low of about $173K in about 12 years. As to the 500% return in 12 years, please tell us how you did it becau...
by z3r0c00l
Fri Mar 28, 2014 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retired one month, now what?
Replies: 25
Views: 4681

Re: Retired one month, now what?

MI was pretty heavy into tech stocks during the dot com crash and that has made me very aware of how easily I could lose a lot of money if I don’t invest wisely. I’ve managed to build my accounts back up by diversifying in Vanguard funds and ignoring market corrections and staying the course until ...
by z3r0c00l
Thu Mar 27, 2014 10:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retired one month, now what?
Replies: 25
Views: 4681

Re: Worried about the market

Worry more at Dow 25,000, a likely high point before another recession. If we go to 28,000, then fall back down to 20,000 and you failed to get in now, won't that feel worse? I feel better knowing that even if you buy some shares at a temporary high, and even if they fall below that mark, they will ...
by z3r0c00l
Thu Mar 27, 2014 6:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Worried about the market
Replies: 24
Views: 2302

Re: Were These Investment Advisors Lying or Incompetent?

I also asked if they knew the difference between a net ER and a gross ER (both were listed), and they said they would have to get back to me about that as well. Seems condescending to put someone on the spot like that. They were invited to give the presentation after all. Yes who in the world would...
by z3r0c00l
Wed Mar 26, 2014 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Were These Investment Advisors Lying or Incompetent?
Replies: 90
Views: 5894

Re: how do student loans work?

Lastly, college education may be much cheaper in 10-15 years. There is at least a chance that your child will be able attend college online for a very reasonable cost. It already is, if your student attends a state or city school, they can pay a fraction of what private schools charge. That may not...
by z3r0c00l
Wed Mar 26, 2014 7:23 am
 
Forum: Investing - Help with Personal Investments
Topic: how do student loans work?
Replies: 9
Views: 1039

Re: Ruminatiions on the US bull market

I rebalance quarterly so no problems there. However, if the rally continues for another 3 - 5 years and the Dow hits 35,000, I will switch to age in bonds. Hows that for market timing?
by z3r0c00l
Tue Mar 25, 2014 7:45 pm
 
Forum: Investing - Theory, News & General
Topic: Ruminatiions on the US bull market
Replies: 10
Views: 1438

Re: High Yield Florida Bond

Why take such tremendous risk with bonds? These returns are great but over a decade stocks are likely to beat them. I bet there are 1 - 2% fees somewhere too.
by z3r0c00l
Tue Mar 25, 2014 6:56 am
 
Forum: Investing - Theory, News & General
Topic: High Yield Florida Bond
Replies: 7
Views: 681

Re: Jim Cramer's Index Embrace

Still suggesting that those who want to spend the time can investigate individual stocks, watch his show, and beat index funds and the market. So he is still lying to people who are not smart enough to make rational choices about this stuff.
by z3r0c00l
Tue Mar 25, 2014 6:50 am
 
Forum: Investing - Theory, News & General
Topic: Jim Cramer's Index Embrace
Replies: 11
Views: 1766

Re: Non-profit endowment: VG LifeStrategy?

Absolutely a good choice. However, good luck convincing the types of people you find on these boards. They are typically of the sort who know so much about finance that an index investment is an insult to them and unable to satisfy their need for complex solutions to simple problems. (Yes I say this...
by z3r0c00l
Mon Mar 24, 2014 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Non-profit endowment question
Replies: 7
Views: 536

Re: Buy and hold or keep adding

The market will inevitably trend downwards but no one can say when or how quickly. We can't even say that it will ever drop below the closing today, although that is a likely thing. Out of the range of possible outcomes, it is pretty clear that Dow 25,000 in a few years is not unlikely. You sure wi...
by z3r0c00l
Mon Mar 17, 2014 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy and hold or keep adding
Replies: 6
Views: 692

Re: How much do you make a year in Dividends?

Not that much, a few thousand. I make much more in changes in stock value. Hell a good week for stocks will beat my yearly dividends. Yet, it is nice to have the reliable income too. Makes stocks a bit more palatable even after a good run. Bonds obviously only for the income, and bonds return compar...
by z3r0c00l
Mon Mar 17, 2014 9:14 pm
 
Forum: Investing - Theory, News & General
Topic: How much do you make a year in Dividends?
Replies: 72
Views: 5688

Re: I Bonds - buy now or wait for May?

P.S. If you didn't buy in 2013, as soon as possible was last November, not January.


This seems like a 2014 post, no?
by z3r0c00l
Wed Mar 12, 2014 6:29 am
 
Forum: Investing - Theory, News & General
Topic: I Bonds - buy now or wait for May?
Replies: 25
Views: 4437

Re: I Bonds - buy now or wait for May?

Buy in full as soon as possible, eg. $10,000 around January 20th. Since you cannot predict the fixed rate, you may gain a bit or lose a bit. This is almost like a time in market thing, not that you will earn a fortune either way.
by z3r0c00l
Mon Mar 10, 2014 6:50 am
 
Forum: Investing - Theory, News & General
Topic: I Bonds - buy now or wait for May?
Replies: 25
Views: 4437

Re: Ahh Missed It!

For a person your age the worst thing you can do is sit on the sidelines. I think the worst would be to invest now at market highs, sell after a crash, stay on the sidelines, then invest again when the market recovers. Most investors will recognize the buy low, sell high cliche, but then they do th...
by z3r0c00l
Sun Mar 09, 2014 9:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Ahh Missed It! [market timing]
Replies: 20
Views: 2717

Re: stayed out of the market, what to do now?

Don't take this the wrong way, but I don't think you have the grit to invest in stocks if this is how you reacted to a recession. In fairness I doubt we can determine how much grit the OP does or doesn't have. I suspect the problem was two-fold: having the wrong asset allocation for their risk tole...
by z3r0c00l
Thu Mar 06, 2014 7:51 am
 
Forum: Investing - Help with Personal Investments
Topic: stayed out of the market, what to do now?
Replies: 64
Views: 7391

Re: Can Vanguard Become Too Big?

Until Vanguard goes substantially international, I see their market share falling more than anything by 2030. Even ignoring the competition on the domestic front from Fidelity and others, as well as the never-ending appeal of overpriced funds and ETFs with strange strategies, and terrible 401Ks set ...
by z3r0c00l
Wed Mar 05, 2014 7:44 am
 
Forum: Investing - Theory, News & General
Topic: Can Vanguard Become Too Big?
Replies: 24
Views: 3633

Re: stayed out of the market, what to do now?

Reading a lot of negative stuff around 2007, I pulled out of the market completely in early 2008. Most of the blogs I follow, save for one, recommended staying away from the market saying that the Fed's actions would not work. Along the way, prior to the crash of 2008/2009, I also encountered the w...
by z3r0c00l
Wed Mar 05, 2014 7:34 am
 
Forum: Investing - Help with Personal Investments
Topic: stayed out of the market, what to do now?
Replies: 64
Views: 7391

Re: Chart showing what percentage needed to recover

Here is the chart. I think it came from pkcrafter on the original morningstar forum. Here is the loss vs make up rate. Loss (%) Req'd. Gain (%) 5%............5.2% 10%...........10% 15%...........18% 20%...........25% 25%...........33% 30%...........43% 35%...........54% 40%...........67% 45%..........
by z3r0c00l
Mon Mar 03, 2014 8:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Chart showing what percentage needed to recover
Replies: 10
Views: 754

Re: The Great 100 thousand dollar pension question.

Is that pension going to actually be there? In my state, that type of pension is bankrupting local governments, and court cases are in progress about whether they can be substantially reduced or not. +1 The early retirement is a great deal. Almost too great. Not sure how long government jobs can co...
by z3r0c00l
Sun Mar 02, 2014 9:38 am
 
Forum: Personal Finance (Not Investing)
Topic: The Great 100 thousand dollar pension question.
Replies: 65
Views: 6159

Re: Guaranteed 7% return too good to be true??

My elementary school teachers retired as millionaires off the TDA. It used to be 8%. It is one of the best deals in the investing world today. Helps compensate for only moderate pay, and a job that is, let's face it, stressful at times.
by z3r0c00l
Sat Mar 01, 2014 10:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Guaranteed 7% return too good to be true??
Replies: 19
Views: 3052

Re: Why bonds??

If you can stomach the possibility of equities dropping 50% in a downturn go for 100% stocks. More than that, if we are really going to be conservative, consider the possibility of a 90% drop like the great depression, or a 50% drop that does not recover much for decades, like Japan. That is why I ...
by z3r0c00l
Fri Feb 28, 2014 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why bonds??
Replies: 25
Views: 2260

Re: Vanguard Tot Intl and Emerging Markets just got cheaper

I would really love to see the tax exempt funds go to a 10,000 threshold instead of 50,000 right now... Not sure why it is still so high, what are the costs involved in an index of muni bonds? You and me both! The fund is technically an active fund and not an index offering. A couple of years ago V...
by z3r0c00l
Fri Feb 28, 2014 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Tot Intl and Emerging Markets just got cheaper
Replies: 49
Views: 4400

Re: Vanguard Tot Intl and Emerging Markets just got cheaper

I would really love to see the tax exempt funds go to a 10,000 threshold instead of 50,000 right now... Not sure why it is still so high, what are the costs involved in an index of muni bonds?
by z3r0c00l
Fri Feb 28, 2014 8:19 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Tot Intl and Emerging Markets just got cheaper
Replies: 49
Views: 4400

Re: Has anyone seen the Japanese Stock Market?

When I see graphs like this it really puts global diversification into perspective for me. We are presently 60% US and 40% International and plan to stay the course. I would expect however that the graph does not include dividends or the compounding of dividends. The return to the average Japanese ...
by z3r0c00l
Fri Feb 28, 2014 8:13 am
 
Forum: Investing - Theory, News & General
Topic: Has anyone seen the Japanese Stock Market?
Replies: 73
Views: 6250

Re: Has anyone seen the Japanese Stock Market?

... diversity in your equity holdings towards global market weight... ...understand that Japan is one of the largest holdings you'll have in a global market-weight portfolio. Not that I think Japan is in the bubble territory of the past, but there are still some significant challenges in their econ...
by z3r0c00l
Sun Feb 23, 2014 7:45 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone seen the Japanese Stock Market?
Replies: 73
Views: 6250

Re: Has anyone seen the Japanese Stock Market?

Waller, this is a very well known, very carefully studied history. Google search "lost decade" and "lost two decades." There are a series of reasons why this terrible chart did not, has not, is not resulting in bad living conditions in Japan. Instead, life in Japan has improved, ...
by z3r0c00l
Sat Feb 22, 2014 4:15 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone seen the Japanese Stock Market?
Replies: 73
Views: 6250

Re: What to Invest in when market is low?

I personally think the Dow & S&P are very overvalued compared to what the economic situation is. All due respect, but you don't have any way of knowing this and you probably are not ready to invest in stocks at all. You may get lucky. The worst possible scenario is that you get lucky this t...
by z3r0c00l
Wed Feb 19, 2014 11:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to Invest in when market is low?
Replies: 24
Views: 1225

Re: Maximum upside of bonds?

If you sell as soon as rates drop, then they go up to 7% the next day. The world economy collapses, but you can buy back the same bonds cheaply and earn great returns. Then when it goes back down to .01%, you sell again. Never going to happen, but a man can dream. More realistically, the rates will ...
by z3r0c00l
Tue Feb 18, 2014 7:47 am
 
Forum: Investing - Theory, News & General
Topic: Maximum upside of bonds?
Replies: 14
Views: 1247

Re: Stay the Course?

I hope you did.
by z3r0c00l
Sun Feb 16, 2014 10:57 pm
 
Forum: Investing - Theory, News & General
Topic: Stay the Course?
Replies: 3
Views: 917

Re: Total Int. Stock % allocation?

Market weight makes the most sense to me, since it makes sense elsewhere.
by z3r0c00l
Sun Feb 16, 2014 9:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Int. Stock % allocation?
Replies: 46
Views: 2986

Re: What to do when a parent's money runs out?

She's in her early seventies and could, absolutely, spend less. (I had no idea that cigarettes were so expensive, for example :shock: , or that it would be possible to accumulate over 2000 books...) Gah! Get her to stop smoking! Pronto! :oops: In Maine, a pack a day would set her back $2,500/year. ...
by z3r0c00l
Sun Feb 16, 2014 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 135
Views: 15222

Re: Asset Allocation 2014

I am 31 and we have the same AA at 80/20. I consider it as aggressive as I can comfortably handle. That is a largely personal choice, but consider the very real possibility that stocks could drop by 50% and stay there for a while.
by z3r0c00l
Sun Feb 16, 2014 10:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation 2014
Replies: 25
Views: 1996

Re: Bonds today

Here is the fund I'm in. It seems to have been fairly volatile over the past 5 years. Also, how does it help me that yields increase via price reduction if I held those bonds before the price reduction? The yield relative to what I paid is just as low as it was before. --- I'm also a little unclear...
by z3r0c00l
Sat Feb 15, 2014 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds today
Replies: 42
Views: 2737

Re: Bonds today

Look at the yield of the bond fund. That is about what you should expect to get during the appropriate minimum holding time for that fund, say 5 years for a short duration fund and 10 years for intermediate. Doing so will indicate that intermediate bond funds should do a bit better than a 5 year CD,...
by z3r0c00l
Wed Feb 12, 2014 9:49 am
 
Forum: Investing - Theory, News & General
Topic: Bonds today
Replies: 42
Views: 2737

Re: I-Bonds no longer reissued as paper?

They have this thing called a safety deposit box. I hear it's useful for storing important stuff you don't want to lose, like your Will, other important papers, grandpa's gold watch, stuff like that. Maybe you could keep your bonds there. It is conveniently located in a bank. BTW it's a lot easier ...
by z3r0c00l
Tue Feb 11, 2014 10:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-Bonds no longer reissued as paper?
Replies: 24
Views: 1563

Re: omg, did I miss the buying opportunity in stocks?

jebmke wrote:It will go down again. Probably 50% or so - just don't know when.


But will it ever go down from here? It is quite possible that we will never see 15,000 again.
by z3r0c00l
Sat Feb 08, 2014 8:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: omg, did I miss the buying opportunity in stocks?
Replies: 54
Views: 6419

Re: Going all into Emerging Markets

Put everything in total world maybe, but EM only? That doesn't make much sense.
by z3r0c00l
Thu Feb 06, 2014 10:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Going all into Emerging Markets
Replies: 63
Views: 5824
Next

Return to advanced search