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Re: Should I buy more REITs?

You have an investment strategy which is a recipe for a 6 car train pile up at some point. Likely at the next stock market crash, but who knows? Well to be fair, he did put newb in the name :D I agree though. If OP thinks dips of 5%-10% are bad, what happens if REITs drop by 70% like they did a few...
by zaboomafoozarg
Thu Oct 30, 2014 8:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 44
Views: 4112

Re: Your Thoughts on my Portfolio

You have a < 1.5% withdrawal rate. You should be free and clear no matter what your AA is.
by zaboomafoozarg
Mon Oct 27, 2014 11:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Your Thoughts on my Portfolio
Replies: 16
Views: 1309

Re: Should I buy more REITs?

Ged wrote:
John3754 wrote:What does your IPS say?


Probably something like 'start another Boglehead thread to see what they say'.


The Wisdom and/or Madness Of Crowds AA strategy :D
by zaboomafoozarg
Mon Oct 27, 2014 11:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 44
Views: 4112

Re: Should I buy more REITs?

InvestorNewb wrote:Should I buy more VNQ shares even though they have done really well this year?


You should buy more of whatever in your target allocation did the worst.
by zaboomafoozarg
Mon Oct 27, 2014 11:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 44
Views: 4112

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

Phineas J. Whoopee wrote:Oh, and, welcome to the forum, au4all. I'm sure you'll be a solid gold contributor. :wink:


I see what you did there :D
by zaboomafoozarg
Wed Oct 22, 2014 10:35 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 26634

Re: Big Changes for Retirement Savers

Thanks zaboomafoozarg. I had to ask. It's hard to believe since it is much higher than the $5500 amount and not dependent on yearly income. Then can you only transfer the money to the Roth when you leave the company? Yeah, but even the normal Roth IRA $5.5k income limit doesn't usually apply becaus...
by zaboomafoozarg
Sun Oct 19, 2014 11:34 pm
 
Forum: Investing - Theory, News & General
Topic: Big Changes for Retirement Savers
Replies: 14
Views: 3291

Re: Big Changes for Retirement Savers

Compared to just putting the money in a taxable account, would the advantage be that when you transfer the money out of the 401k, you can put it in a Roth, where from that point forward it would be in a tax free account? Correct. It's like having a limit of $30k+ on a Roth IRA instead of just $5.5k.
by zaboomafoozarg
Sun Oct 19, 2014 11:09 pm
 
Forum: Investing - Theory, News & General
Topic: Big Changes for Retirement Savers
Replies: 14
Views: 3291

Re: Big Changes for Retirement Savers

That's the subject of the latest posts in the "Mega Backdoor Roth IRA" thread: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=137366 I started doing after-tax Roth IRA rollovers with my 401k this year. My Roth IRA is a lot smaller than my taxable or tax-deferred accounts, so I pla...
by zaboomafoozarg
Sun Oct 19, 2014 10:59 pm
 
Forum: Investing - Theory, News & General
Topic: Big Changes for Retirement Savers
Replies: 14
Views: 3291

Re: "I've had it" at work - how often

Mid 40's, engineering/project management. I feel the I can't take it no more 3-5 x/month. Its getting tougher each year. Sometimes I think the guy mowing the city's baseball field would be the best job ever. Haha, I thought that every day at my last job! Of course they probably thought the same thi...
by zaboomafoozarg
Sun Oct 19, 2014 9:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12474

Re: "I've had it" at work - how often

32, software developer. On my last job it was happening 3-4 times per week, and it was like that for a couple years. The team got cut in half but I was still expected to get the team to do the same amount of work. So I quit this summer and went to a new company, and so far I haven't had a single day...
by zaboomafoozarg
Sun Oct 19, 2014 8:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12474

Re: Long term return forecast

This is why I'm trying to save 50% of my income. It's not fun, but it is what it is.
by zaboomafoozarg
Sat Oct 18, 2014 12:51 am
 
Forum: Investing - Theory, News & General
Topic: Long term return forecast [Research Affil. Expected returns]
Replies: 33
Views: 2455

Re: Wealthfront updates tax loss harvesting software

I swear stuff like this is just begging the IRS to better enforce the wash sale rules. These schemes are shady, knowing full well the shares being purchased immediately after are nearly identical to what was sold. I think it's fraud. If they are tracking different indexes, then it would seem they a...
by zaboomafoozarg
Fri Oct 17, 2014 7:33 am
 
Forum: Investing - Theory, News & General
Topic: Wealthfront updates tax loss harvesting software
Replies: 11
Views: 1004

Re: How can I stop feeling depressed about my finances?

here I am: 26, seemingly nothing to my name, working a (removed) job, holding seemingly worthless degrees, and just feeling... worthless. I sit at home all weekend afraid to waste gas and to spend money. It just seems like I really don't enjoy life anymore. This might not be caused solely by your i...
by zaboomafoozarg
Thu Oct 16, 2014 5:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can I stop feeling depressed about my finances?
Replies: 130
Views: 14097

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

Notice how the thread was started on March 4/2014, with this message: Well, Mr. Market had already seen it. March 4/2014 was very much at the end of the run up. http://i61.tinypic.com/15q98xi.png Wow, I did not notice that. But I had the same thing happen to me on one of the few individual stocks I...
by zaboomafoozarg
Mon Oct 13, 2014 7:05 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 26634

Re: Why not 100% Stocks?

JohnnyFive wrote:I'm certainly not ignorant


Certainly not. Someone who has the ability to see any and all difficulties coming their way, both personally and professionally, has achieved a level of foresight that most cannot even comprehend :D
by zaboomafoozarg
Sun Oct 12, 2014 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 20940

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

This is a case where people would've been a lot better off paying up high fees to advisors or having active management. No professional would have allowed a hundred percent allocation to a single name. Paying 1% AUM sure beats -100%. True. But you wonder if they would have put up with an advisor wh...
by zaboomafoozarg
Sat Oct 11, 2014 4:05 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 26634

Re: Why not 100% Stocks?

Good luck with that. Let me know how it works out for you. It'll probably work out OK. If I can keep saving 50% of my income for a few more years, that'll probably make up for this 25% allocation to bonds that I keep laying around. That's not to mention the 1-to-2 year emergency/house fund I keep i...
by zaboomafoozarg
Sat Oct 11, 2014 12:28 am
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 20940

Re: It's a good day to be in Stocks - 10-08-2014.........

Sents wrote:Darn, I shouldn't have sold everything yesterday night because I thought there was an impending crash.

Just kidding. :beer


Hey, maybe you were just off by a day :D
by zaboomafoozarg
Thu Oct 09, 2014 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be in Stocks - 10-08-2014.........
Replies: 24
Views: 3232

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

Interestingly, Bogleheads was just mentioned today in the thread: I like the boglehead approach... total market US, international and bonds. No more than 10% in individual stocks and no more than 5% in one individual stock. No get rich quick deals with that, but you will at least protect what you go...
by zaboomafoozarg
Thu Oct 09, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 26634

When people put all their eggs in the wrong basket

The quote "Put all your eggs in the one basket and --- WATCH THAT BASKET" often comes up in investing discussions that I read around the web, particularly in use by people who are convinced that a single stock will be their path to riches. On occasion I've tried to convince some of these p...
by zaboomafoozarg
Tue Oct 07, 2014 8:51 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 26634

Re: What SWR/expense multiple to use for early retirement pl

I am shooting for a 50/50 AA with 40 times my needed income, so 2.5%.
by zaboomafoozarg
Thu Oct 02, 2014 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: What SWR/expense multiple to use for early retirement plan?
Replies: 63
Views: 3093

Re: 'Play Money' - why 5%?

nisiprius wrote:Alternatively, we think 5% is an allowable loss because we have 20 digits total and we can survive the loss of a finger or toe fairly well.


Not a big toe! You'll lose your balance.
by zaboomafoozarg
Sun Sep 28, 2014 8:45 pm
 
Forum: Investing - Theory, News & General
Topic: 'Play Money' - why 5%?
Replies: 42
Views: 1658

Re: 'Play Money' - why 5%?

There doesn't have to be a reason for everything.
by zaboomafoozarg
Sun Sep 28, 2014 7:11 pm
 
Forum: Investing - Theory, News & General
Topic: 'Play Money' - why 5%?
Replies: 42
Views: 1658

Re: [S&P is down 1.3% !!!]

pennstater2005 wrote:I don't consider myself a sitting duck.


Yeah, neither do I. I just pick an asset allocation that I can live with, keep putting money in, and tune out the noise.

pennstater2005 wrote:And I'm not sure what "times like this" means.


That's what caused me to ask the question, haha.
by zaboomafoozarg
Thu Sep 25, 2014 8:48 pm
 
Forum: Investing - Theory, News & General
Topic: [S&P is down 1.3%, thus] We're all going to die!!!
Replies: 58
Views: 4815

Re: [S&P is down 1.3% !!!]

dgdevil wrote:For sure, but one does not need to be a sitting duck at times like this in the market.


What should one do to avoid being a sitting duck?
by zaboomafoozarg
Thu Sep 25, 2014 8:36 pm
 
Forum: Investing - Theory, News & General
Topic: [S&P is down 1.3%, thus] We're all going to die!!!
Replies: 58
Views: 4815

Re: The Mega Backdoor Roth IRA

Not a problem. You can just write a replacement check and roll it into your Roth IRA. Since the amount is small enough to be confused with a regular Roth IRA contribution, be sure the Roth custodian codes it as a rollover contribution. This will be very easy to report on your tax return. Without th...
by zaboomafoozarg
Thu Sep 25, 2014 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 173
Views: 25935

Re: Investing in Europe

VXUS will give you Europe, plus the rest of the non-US world too. VGK is just Europe. I don't split my international up into Europe/Pacific/Emerging, but I know some people do (Rick Ferri advocated it in one of his books). Just don't expect to make a quick buck off of it. Europe's been having proble...
by zaboomafoozarg
Thu Sep 25, 2014 8:28 am
 
Forum: Investing - Theory, News & General
Topic: Investing in Europe
Replies: 4
Views: 441

Re: Dave Ramsey: The Legacy Journey

The guy makes a killing selling common sense and basic financial math.
by zaboomafoozarg
Wed Sep 24, 2014 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey: The Legacy Journey
Replies: 41
Views: 5531

Re: VNQI name anomaly on Google Finance

livesoft wrote:We all work for Google, so we will fix that for you right away. Maybe you should e-mail somebody who actually does work for Google Finance? That might be more productive and would get things fixed for the rest of us.


C'mon livesoft, you don't have to be sarcastic ALL the time. :D
by zaboomafoozarg
Wed Sep 24, 2014 7:36 pm
 
Forum: Investing - Theory, News & General
Topic: VNQI name anomaly on Google Finance
Replies: 8
Views: 747

Re: It's pretty freaky watching your stocks go up & down all

I don't consider this money to be mine now anyway, it's for myself in 20+ years. So the current valuation doesn't matter as much. The less it costs, the more I can buy.
by zaboomafoozarg
Wed Sep 24, 2014 9:32 am
 
Forum: Investing - Theory, News & General
Topic: It's pretty freaky watching your stocks go up & down all day
Replies: 60
Views: 5750

Re: The only risk of leverage is selling at the bottom

So if you like leverage, use it and let us know how it goes. I'd be interested to hear what the effect is in a moderate bear market.

I'm still not doing it though. 75% stocks is enough for me, without the leverage.
by zaboomafoozarg
Tue Sep 23, 2014 10:31 am
 
Forum: Investing - Theory, News & General
Topic: The only risk of leverage is selling at the bottom
Replies: 46
Views: 1577

Re: VNQ dividend [Vanguard REIT - ETF]

I think they publish them after EOD of the listed date. So you'd be able to see them tomorrow, or maybe late tonight.
by zaboomafoozarg
Mon Sep 22, 2014 10:31 am
 
Forum: Investing - Theory, News & General
Topic: VNQ dividend [Vanguard REIT - ETF]
Replies: 6
Views: 1452

Re: AliBaba

BornInCA wrote:I wonder how those who bought Facebook at IPO day fared :?:


FB is over 2x the IPO price right now, so people who stuck with it have fared OK thus far. It stayed at about 50-60% of IPO price for over a year though, so not so good for people looking to make a quick buck.
by zaboomafoozarg
Fri Sep 19, 2014 11:50 pm
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 128
Views: 8497

Re: AliBaba

SuperSaver wrote:Put your $1000 in BABA Monday, and thank me in 3y


If it has underperformed the market in 3 years, can I fire you? :D

I'm not buying, too much of a hassle.
by zaboomafoozarg
Fri Sep 19, 2014 6:34 pm
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 128
Views: 8497

Re: The Mega Backdoor Roth IRA

Sounds like you received a separate check for the 2k, which instead of being the after tax sub account balance, is just your basis in the entire plan. If you are still within 60 days of receipt you could still roll it to a Roth IRA and as an after tax rollover you could pull it out of the Roth for ...
by zaboomafoozarg
Thu Sep 18, 2014 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 173
Views: 25935

Re: The Mega Backdoor Roth IRA

I fully meant to do a backdoor Roth IRA rollever with my after-tax 401k contributions, but transitioned jobs at an unexpected time. Since I only had $2k of after-tax 401k contributions, it didn't seem worth the hassle to try to move it to a Roth IRA. So I'm just keeping it in taxable.
by zaboomafoozarg
Thu Sep 18, 2014 9:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 173
Views: 25935

Re: Why should young people invest in bonds at all?

I hold bonds to decrease risk, not to increase return. I don't expect it to increase return - it almost certainly won't.
by zaboomafoozarg
Tue Sep 16, 2014 1:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why should young people invest in bonds at all?
Replies: 87
Views: 8030

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

Whoa, been a long time since I saw this thread!

Multiple of salary doesn't make as much sense as multiple of spending.

Shoot, I didn't realize that I'm currently at 9x spending. Only 3.5x salary though.
by zaboomafoozarg
Mon Sep 15, 2014 9:09 pm
 
Forum: Investing - Theory, News & General
Topic: How much you need to save as multiple of salary
Replies: 51
Views: 6382

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

Funkey wrote:What ever happened to the Munchkin Man? I really like his writing style. Shows some real pzazz.


Not sure, but I miss that guy too.
by zaboomafoozarg
Sun Sep 14, 2014 11:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: VDE [for 5% "casino money"?]
Replies: 11
Views: 969

Re: Did you reveal to your kids...your savings and salary

I know what my parents make, they know what I make. They shared this from a young age (under 10). Now I help them with their taxes too, so I see the amounts on forms. I never understood why some people keep it a secret from their immediate family. Of course, as a child I knew better than to tell peo...
by zaboomafoozarg
Sat Sep 13, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you reveal to your kids...your savings and salary
Replies: 75
Views: 7102

Re: Angry when stock market is down

What would you do if stocks dropped 25% in a few months? Which will happen, someday.
by zaboomafoozarg
Fri Sep 12, 2014 11:39 am
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 4221

Re: Angry when stock market is down

Nope, LOL

But I have bonds.
by zaboomafoozarg
Fri Sep 12, 2014 11:33 am
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 4221

Re: Why COULDN'T we just retire on Social Security?

I've seen my grandparents try to do it, and it's pretty stressful, so no thanks.
by zaboomafoozarg
Thu Sep 11, 2014 10:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why COULDN'T we just retire on Social Security?
Replies: 66
Views: 6065

Re: Poll: Cash Holdings

About 20%. I have a pretty big emergency fund, and am also saving for a house.
by zaboomafoozarg
Sun Sep 07, 2014 9:24 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Cash Holdings
Replies: 65
Views: 3714

Re: How to become a millionaire retiree -- then and now

Browser wrote:But it does illustrate the importance of investing as much as you can into stocks as early as you can in your working career. So Amigos - forego that Bimmer, the trips to Las Vegas, and the 5-bdrm 4 bath McMansion and buy more stocks while you are still young and dumb!


That's the goal! :D
by zaboomafoozarg
Tue Sep 02, 2014 11:51 am
 
Forum: Investing - Theory, News & General
Topic: How to become a millionaire retiree -- then and now
Replies: 67
Views: 10144

Re: A Low-Return Future? Are We Prepared?

I would hope that no boglehead is saving to retire on the bare minimum. I hope the goal is to have some fun in retirent. Frequent vacations, eating healthy, some fun toys. I don't plan to spend any more money in retirement than I do now. However, I do plan to spend way more time doing stuff I actua...
by zaboomafoozarg
Sun Aug 31, 2014 8:11 pm
 
Forum: Investing - Theory, News & General
Topic: A Low-Return Future? Are We Prepared?
Replies: 189
Views: 12590

Re: How to become a millionaire retiree -- then and now

livesoft wrote:Now I am embarassed by my great starting salary and that of my spouse.


"embarassed" :D

I have some classmates in an engineering program (electrical) who started at mid-to-high 30's in 2004.
by zaboomafoozarg
Sun Aug 31, 2014 8:04 pm
 
Forum: Investing - Theory, News & General
Topic: How to become a millionaire retiree -- then and now
Replies: 67
Views: 10144

Re: A Low-Return Future? Are We Prepared?

LongerPrimer wrote:So, What is the answers to: A High-Return Future. Are we prepared?
:mrgreen:


That's an easy problem to prepare for :D
by zaboomafoozarg
Sun Aug 31, 2014 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: A Low-Return Future? Are We Prepared?
Replies: 189
Views: 12590

Re: How to become a millionaire retiree -- then and now

Interesting, I've never seen the amounts in terms of average pay percentages.
by zaboomafoozarg
Sun Aug 31, 2014 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: How to become a millionaire retiree -- then and now
Replies: 67
Views: 10144
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