Bogleheads

Also, why do you want to invest now? Do you think it is 'safer' because the markets have gone up so much (if anything, the opposite is true)?

Not really. I just think that being so much in cash i ...

Agree with what LH is saying. Think hard about your need to take risk and if it is low, go with a low / very low allocation to stocks.

Also, why do you want to invest now? Do you think it is 'safer ...

Status & goals - I haven’t taken control of my money like this before. In the past, I had hired people, but was unsatisfied. Now I’m determined to take charge, but I’m a bit nervous. I know ...

Have reduced my risk significantly over the last 3-4 months. Currently only 11% in Equities, no REITs and only a very small Commodities position. 30% in Cash. Have to add that my need to take risk is ...

Interesting story today: The EU commission basically forced ING to sell ING Direct until 2013. You can tell by the way the press release was written that ING would have liked to keep the business. I a ...

Interesting story today: The EU commission basically forced ING to sell ING Direct until 2013. You can tell by the way the press release was written that ING would have liked to keep the business. I a ...

WHOA!!!!!!

Bingo!

An evident forward call has been made, a rare event which must be investigated further, backed by "a lot" of cash. Sweeeet. I feel like a bird watcher who think ...

Goog points have been brought up, thanks for the replies.

Agree with Adrian's point that the real returns on bonds are not that bad and the investments mentioned are basically what I am investing i ...

High in comparison to what? What they've been in the past?

The stock market was high in the 1980's. Look what it did in the 1990's.

My opinion is that nobody has a clue what the stock or ...

It took all of 7 months and there are no attractive investments anymore. Stock are overpriced again, bond yields are low, REITs doubled from their lows and commodities look expensive again as well. I ...

I am actually surprised people still respond to Adrian's posts.

Suppose you have $2 million in investments. $1 million in tax-sheltered accounts and $1 million is in a taxable account. If you want 50% stocks and 50% bonds, then you buy $1 million of bond funds for ...

I am thinking about taking the CPA exam and am looking for some guidance. I don't need the CPA qualification for my current job (financial accounting in banking), however I think the CPA certification ...

39 yr old...continued to max out my 401k, trad IRA, and DCA into my taxable account during the whole debacle for the last 2 years...and I will continue to do so going forward. However, I did sit on c ...

this morning i just moved $150K from VG TE MM at .23% yield to ING Direct Savings at 1.4% yield.

Since you have your money with ING why not check out:

Electric Orange Checking - $100,000.00 ...

Given the magnitude and speed of the rally (VTI is up 62% since March 9, VEU is up 86%, Emerging Markets up 99% and Small Cap up 97%), I wonder what actions Bogleheads took?

I decreased my % in sto ...

Yeah, I'm sure it will be just like 1975.

Or maybe the fact that the PE10 (calculated with real earnings) was below 9 in January 1975 and is now over 18 actually matters and this will be more like ...

Jon
Just one advise: Think very carefully about your need to take risk. It sounds like it is very low, given how little you spend, your assets and your earnings potential.

Having said that, your ...

has anybody had both ING and HBSC? HBSC looks to pay a slightly higher rate but rate is not the only important thing.

BTW - i feel like a traitor to even consider putting my money anywhere other t ...

i think 2010-2020 is going to be a great decade for stock investors!

"Reversion to the mean is found everywhere in the financial jungle, for the mean is a powerful magnet that, in the long run ...

I realize this is a "not a run of the mill indexing/AA/ Bonds topic" as is usually discussed here. But what do you do with your 5%-10% play money? I buy individual securites with 5% of my po ...

I've seen quite a few people on the board mention that they were either back or very near their portfolio all-time-high's, counting new contributions. I have a 7-figure portfolio and I am still quite ...

I am constantly rebalancing, ahm, market timing since probably May. Compared to March I sold all my High Yield Bonds, decreased my commodity postion, decreased my REITs and significantly decreased my ...

in addition to my stock holdings, i have VG Muni Money Market and VG Muni Bond fund. the yield is minuscule on the MM. i'm tempted to move ~$200K over to the TE (Tax-Exempt) Bond because of the HUGE y ...

Suggestion. When you are one, please come back

That will be in about 3.5 years.

I am 100% equity because I DCAed my 40% bond allocation into stocks while others were bailing out in a panic, be ...

the run-up from March 9 has been phenomenal

I took a little off the table, then I took a little more off

I know, market-timing is foolish.

But, don't you, well, you know, get this "fee ...

Thanks for all the feedback. I know it doesn't 'matter' in the long run, however it might be a good reminder in the next crisis how quickly things can approve (and therefore selling at the bottom is a ...

I don't really track my performance but when I calculcated it today, it came out to be 41%. Suprisingly high to me, as my portfolio on March 9 was 48% Stocks, 9% REITs, 5% Commodities, 25% Bonds and t ...

I am doing the same. I have been selling REITs quite a bit over the last few weeks. I was deep in the hole after I started my investment in REITs last summer but thanks to rebalancing in the spring, I ...

For what its worth, my guess is that we have an increase to around 1200 this year and then will revisit the March lows. 1550 has to wait I'm afraid.

After hitting a low of 666.79 on 03/09/2009, the S&P 500 today touched 999.01, a 49.8% increase in under 5 months (over 50% including dividends). What a rally! Of course, still down approximatel ...

John Hussman's latest commentaryUnfortunately, as I've noted before, there is little information content in mean reversion following extreme moves, and that's what the LEI is picking up here – to a ...

let's say my target asset allocation is 60/40 Stocks/Cash+Bonds. let's say i did not rebalance all through a bull market and i wake up one morning and i'm at 75/25 Stocks/Cash+Bonds. what are some s ...

renditt, markets can stay irrational longer than you can stay solvent

Larry, not in this case as this is only my gambling money Wink

In my trading money (5% of portfolio) I bought an ultra short ETF on emerging markets the other day. Terrible investment so far, but I will buy more should the markets go up another 10-20%. Emerging m ...

Hard to see how you can be fully recovered when you were 70-80% in stocks?

I am back to where I was last summer, but I had sizeable contributions along the way. I don't track my performance but tra ...

Thanks guys, looks like it is 10% of the NY State Taxes.

A question for New Yorkers: Does anybody know how much additional income tax somebody has to pay who lives in Yonkers? I heard there is an additional tax (similar to NYC), but can't find it anywhere o ...

So why bother buying NY bonds for a measly 4%?

Isn't that tax free?

Exactly. If you are in the highest tax bracket with a marginal tax rate of 44%, the current yield of 3.8% equals a 6.8% y ...

Walking over the Brooklyn Bridge. On a nice day you can take the water taxi to Fulton Ferry in Dumbo, get one of the best ice creams in town at the Brooklyn Ice Cream Factory and walk back to Manhatta ...

Not much to add to livesoft's comments. 15% REITs seems a bit high, people generally recommend 5-10% of your total portfolio.

Given the high income in the coming years, I would spend some time thin ...

I voted yes and had them as part of my bond allocations. I had about 5% in my 401k as prices seemed very cheap early this year, however I sold them all after the recent run up. Was probably just lucky ...

Personally I feel much better about my portfolio than at any point in the last 12 months. I used the run up since March to decrease my equity allocation due to low need to take risk and are now comfor ...

Steve Redgrave. Gold medal winner at 5 consecutive Olympic Games.

Age 37 and 33% in stocks (plus 10% REITs). The 33% really comes from stocks = 2 x maximum tolerable loss plus a fixed $ limit I don't want to exceed in stocks. Our portfolio is fairly high given our a ...

Being 3 years from retirement, that seems a very dangerous approach to me. How does your retirement plan look like if the S&P goes back down to 500-600 and stays there for a few years?

I realized my portfolio was way too risky given the size of my portfolio and my relatively low need to take risk and I used the recent run up to decrease my allocation to stocks from 60% to 33% (kept ...

Thanks for the responses. Just want to emphasize that the main driver for this was the fact that I realized that I don't need equity like returns in the future (low 7 figure portfolio and sizeable sav ...

'The same' meaning using the recent rally to make your portfolio more conservative. I mentioned I was too heavy in equities, however I decided not to adjust my AA back in March, as prices were too low ...

Hard to believe but my portfolio is back to where it was last summer (still means I 'lost' my contributions over the last year though). I realized my portfolio was way too risky given the size of my p ...