Search found 254 matches

by Artisan
Fri Apr 28, 2017 6:49 am
Forum: Investing - Help with Personal Investments
Topic: Newbie investor hoping for portfolio advice
Replies: 8
Views: 400

Re: Newbie investor hoping for portfolio advice

Hi all, First of all, thanks to the amazing community that make this forum so helpful! My husband and I are in the transition period out of our medical residencies and will have more investment opportunities coming our way soon. We were hoping for some advice on how to maximize our current assets a...
by Artisan
Fri Apr 28, 2017 6:37 am
Forum: Investing - Help with Personal Investments
Topic: Retirement income for 50+ years?
Replies: 118
Views: 7793

Re: Retirement income for 50+ years?

Here is an excerpt from a Business Insider article: "....If an investor stayed fully invested in the S&P 500 from 1995 through 2014, they would've had a 9.85% annualized return. However, if trading resulted in them missing just the ten best days during that same period, then those annualize...
by Artisan
Wed Apr 26, 2017 8:22 am
Forum: Investing - Theory, News & General
Topic: "When Holding is the Hardest Part"
Replies: 10
Views: 1556

Re: "When Holding is the Hardest Part"

Thanks for the link Taylor.

A good short read packed with much wisdom.
by Artisan
Wed Apr 26, 2017 6:51 am
Forum: Investing - Help with Personal Investments
Topic: Retirement income for 50+ years?
Replies: 118
Views: 7793

Re: Retirement income for 50+ years?

I've never understood why someone would come to a forum that proposes a certain method of doing something, take a contrary view and then look for confirmation of their contrary view. What you are suggesting is a market timing strategy. It doesn't work for most. Maybe you will be the one it will work...
by Artisan
Tue Apr 25, 2017 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: What am I missing?
Replies: 2
Views: 316

Re: What am I missing?

I think you should pride yourself on the fact that you educated yourself enough to know you could do better on your own. How much that lesson "cost" isn't really that important. You are never going to win the argument that they charge too much. Move on and chalk it up to a life experience ...
by Artisan
Sun Apr 23, 2017 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help a 36 Yr Old With $7m+ Portfolio
Replies: 83
Views: 14746

Re: Please Help a 36 Yr Old With $7m+ Portfolio

….. I am really glad to hear some conservative views about this bloated market ….. Thanks RAchip - I'm so glad to hear some voices of reason [confirmation bias]. ….. Ha! Ha! No one can predict the future. I do not see any problem for someone who does not need to take risks in their investments to n...
by Artisan
Sat Apr 22, 2017 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for Investing Advice
Replies: 5
Views: 491

Re: Looking for Investing Advice

Your goals are vague so it is hard to give you guidance. As stated above, money needed for the short term (5-10 years or less) should not be invested in stocks. Consider CD's, online savings accounts, short term bond funds perhaps. 90/10% is extremely aggressive for someone who proclaims not to know...
by Artisan
Sat Apr 22, 2017 7:15 am
Forum: Investing - Help with Personal Investments
Topic: No clue where to start
Replies: 9
Views: 986

Re: No clue where to start

I am very interested in investing and I am so glad I found this forum. I am 43. ( I know, I know its kinda late but atleast I am starting somewhere) I have read the Bogleheads guide to investing twice just because the first time I read it I felt like I was learning French all over again. I have che...
by Artisan
Fri Apr 21, 2017 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reallocation Request
Replies: 14
Views: 947

Re: Portfolio Reallocation Request

Greetings Bogleheads. I am a long time investor who started gambling with options back in the 80’s but learned over time that “cost effective” is the way to go. I am 60 years old and have recently retired with a pension that is satisfactory to cover all of my living expenses for the foreseeable fut...
by Artisan
Thu Apr 20, 2017 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Young family portfolio review
Replies: 4
Views: 527

Re: Young family portfolio review

Welcome to the forum :) I've answered some questions and I am sure wiser minds will be a long shortly to provide additional information. Him: 27 Her: 25 Children: 3 & 1 Household income: $130K gross Tax Rate: Fed = 25%, State = 0% State: TX EF: Yes ($20K in savings account) Debt: Mortgage 1= $21...
by Artisan
Thu Apr 20, 2017 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency fund
Replies: 13
Views: 1669

Re: Emergency fund

I think an emergency fund should be separate. Although you can make the argument that high asset investors have other assets to liquify if they need money in an emergency, I would argue the other side that they can also afford to have a smaller return in their E-fund since it represents a smaller pa...
by Artisan
Thu Apr 20, 2017 6:51 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodby."
Replies: 332
Views: 33916

Re: Larry Swedroe says "Goodby."

Mr. Swedroe: Thanks for your time and advice. You provided a service in educating many. Some of your strategies I agreed with, some I did not. Mostly probably because I wasn't able to understand them ;) Some people will always be unkind or condescending, especially on an internet forum. What I like ...
by Artisan
Thu Apr 20, 2017 6:41 am
Forum: Investing - Help with Personal Investments
Topic: Timing Assets Within Your Portfolio
Replies: 14
Views: 1324

Re: Timing Assets Within Your Portfolio

Markets are always making all time highs. If they didn't who would invest? Just because international is off its high or hasn't performed doesn't mean it won't continue that performance. What you are describing is market timing pure and simple. You can give it a nice new coat of paint, call it somet...
by Artisan
Tue Apr 18, 2017 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Implementing AA Across Taxable and Tax Deferred Accounts
Replies: 4
Views: 399

Re: Implementing AA Across Taxable and Tax Deferred Accounts

I've asked that question myself and asked other. From my experience most balance across accounts without regard to where each asset class is located.

Yes that is not accurate if one asset class is over representedin lets say a tax advantaged account but it is the way most I know do it.
by Artisan
Sun Apr 16, 2017 8:24 pm
Forum: Investing - Theory, News & General
Topic: Investors backing off their equity AA primarily due to 8-year bull market?
Replies: 56
Views: 4546

Re: Investors backing off their equity AA primarily due to 8-year bull market?

I haven't been following market news. Good Idea. Most of it is noise. Is there a growing trend of investors backing off their equity AA, stopping auto-investment in equity or even selling equity shares, primarily because of the 8-year bull market? Not because they are needing the money anytime soon...
by Artisan
Sat Apr 15, 2017 11:48 am
Forum: Investing - Help with Personal Investments
Topic: New contributions after making number, aggressive or conservative?
Replies: 30
Views: 2075

Re: New contributions after making number, aggressive or conservative?

We made our number too. Haven't retired yet although hub will sometime this year. I don't plan to for at least 3 years. We are still maxing out our contributions to our retirement accounts. We will continue to contribute after hub retires. Currently we are contributing at 60%stocks/40% fixed income....
by Artisan
Fri Apr 14, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: First Time Investor / I know nothing / Trying to learn
Replies: 6
Views: 499

Re: First Time Investor / I know nothing / Trying to learn

Hi Everyone, Welcome to the forum. So, my first post here, hoping for many more. Going through Google Searches on investment help I found my way here. I've read up on the basics, I like the general feel of this forum, everyone seems very helpful and as a shot in the dark, I joined to try and learn ...
by Artisan
Fri Apr 14, 2017 6:50 am
Forum: Investing - Help with Personal Investments
Topic: How to invest my children's inheritance
Replies: 33
Views: 2761

Re: How to invest my children's inheritance

You'll see recommendations that run the gamut from: Since you don't need the portfolio you have "won the game" and therefore you should: be less aggressive as there is no need to take more risk to be more aggressive. You are investing this for the next generation so you have a long time ho...
by Artisan
Thu Apr 13, 2017 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Will it be a mistake to buy VTSMX today?
Replies: 39
Views: 3947

Re: Will it be a mistake to buy VTSMX today?

AlohaJoe wrote:
Artisan wrote:Maybe someone wise, like Nisiprius or Livesoft, could summarize the answer to this question in a sticky because this question seems to come up at least once a day.


The kind of person who asks these kinds of questions don't read stickies.


Very true :)
by Artisan
Thu Apr 13, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Will it be a mistake to buy VTSMX today?
Replies: 39
Views: 3947

Re: Will it be a mistake to buy VTSMX today?

Maybe someone wise, like Nisiprius or Livesoft, could summarize the answer to this question in a sticky because this question seems to come up at least once a day. The market cannot be effective and consistently timed. It goes up and down and which way it is headed on any given day, week or month is...
by Artisan
Thu Apr 13, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to a Lazy portfolio : Should I wait for a market correction?
Replies: 16
Views: 1957

Re: Moving to a Lazy portfolio : Should I wait for a market correction?

You should wait for a market drop. The only problem with that plan is no one knows when the next market drop is. And in case you don't know... this includes all the ones who are screaming the loudest. It is true the market could drop 20% tomorrow and all these "experts" would exclaim they ...
by Artisan
Tue Apr 11, 2017 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: New (In terms of thinking about investing)
Replies: 3
Views: 310

Re: New (In terms of thinking about investing)

Welcome to the forum Matt :) Perhaps do some research and discover what your Roth and your wife's 401K are invested in. Find out the fund names and their expense ratios. Try and jumpstart your education in investing by reading the Boglehead wiki, the getting started guide one of the recommended book...
by Artisan
Tue Apr 11, 2017 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Want to confirm my retirement decision logic
Replies: 7
Views: 883

Re: Want to confirm my retirement decision logic

Any money that you plan to spend within the next 5 years (maybe 10) and especially for a house downpayment should be invested in some type of investment with no risk to principal. That means either a high yield savings account or CD's.
by Artisan
Tue Apr 11, 2017 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead looking for portfolio advice
Replies: 2
Views: 303

Re: New Boglehead looking for portfolio advice

Hi all, I've just started reading The Bogleheads Guide to Investing and started browsing the forum. Figured it was time to "put it all out there" and get some advice from the experts. Would like to start taking more control over where our investments are and start thinking about what to d...
by Artisan
Tue Apr 11, 2017 6:52 am
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Seeking Alternate Guidance on Portfolio
Replies: 20
Views: 1467

Re: New Boglehead Seeking Alternate Guidance on Portfolio

I also think having between 10% and 25% bonds in your asset allocation would be a good idea. They help reduce some of the volatility and have their own total return. At your age you can't have had much money in the market during the last recession compared to what you have now. It's prudent to have...
by Artisan
Tue Apr 11, 2017 6:44 am
Forum: Investing - Help with Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 58
Views: 5270

Re: Changes to NYS Deferred Compensation Plan

I've read through the available information but I don't see the big advantage to the investor. I understand that they (BlackRock) can run the funds at lower cost (to them) due to less regulations and what I am guessing is less redemptions due to the lack of individual investors. I've seen the touted...
by Artisan
Sun Apr 09, 2017 6:15 am
Forum: Investing - Help with Personal Investments
Topic: 33 yr old Fed wants to be a boglehead
Replies: 23
Views: 2343

Re: 33 yr old Fed wants to be a boglehead

I'm sorry you feel it isn't for you. Perhaps instead of changing anything at the moment just read a book or two to get the alternate perspective. A Random Walk Down Wall Street by Burton Makiel is a good read. In any event I wish you the best of luck and sincerely hope you succeed whatever you may d...
by Artisan
Sat Apr 08, 2017 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: 33 yr old Fed wants to be a boglehead
Replies: 23
Views: 2343

Re: 33 yr old Fed wants to be a boglehead

Here is some tough love: Stop day trading, It is very much more likely you will lose then win. Start living below your means. You need to save more. RKHusky stated it well. It really is that simple. Save more, spend less, live below your means. Invest as much as you can in a small selection of stock...
by Artisan
Sat Apr 08, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Seeking Alternate Guidance on Portfolio
Replies: 20
Views: 1467

Re: New Boglehead Seeking Alternate Guidance on Portfolio

Greetings, Bogleheads. I am seeking input, analysis, and scrutiny of my portfolio. After lurking but never participating on forums, I finally felt comfortable enough to join and share my portfolio for some outside perspective. Thank you all for facilitating such a welcoming and comfortable communit...
by Artisan
Thu Apr 06, 2017 7:41 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 129
Views: 10746

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Thanks to Mel and all the others who spend what I am sure are countless hours making this event happen.

Nothing is perfect. You tried you best to accommodate as many as possible and that's what counts.

We appreciate your collective efforts.
by Artisan
Mon Apr 03, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Moving Mom from EJ to Vanguard
Replies: 8
Views: 1151

Re: Moving Mom from EJ to Vanguard & PAS

Looking for opinion/thoughts on this. With the size of my Mom's portfolio, 0.3% seems pretty significant each year, but she would have someone keeping an eye on things and rebalancing. I'm willing to do the same and want to keep this all as simple as possible. Sounds like you already know what to d...
by Artisan
Mon Apr 03, 2017 9:33 am
Forum: Investing - Help with Personal Investments
Topic: "VXX - insurance against a market crash?"
Replies: 16
Views: 1231

Re: "VXX - insurance against a market crash?"

The stock market is risky. It is a form of greed to believe that there is some easy, effective way to get the risk premium without actually taking the risk. Many people go through a stage in which they engage in delusional thinking: a) The stock market has had high returns. That's good, I'd like th...
by Artisan
Sun Apr 02, 2017 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Saying Hello, Questions on Getting Started
Replies: 20
Views: 1151

Re: New Boglehead Saying Hello, Questions on Getting Started

I'm just going to make a general comment instead of answering your questions individually. You mention how you're not trying to time the market in various different ways several times in your post. Holding money back because you "think" the market is going to go down and you want to take ...
by Artisan
Sun Apr 02, 2017 6:26 pm
Forum: Investing - Theory, News & General
Topic: Article--Vanguard's customer service takes a hit as it receives epic inflows of cash
Replies: 33
Views: 4154

Re: Article--Vanguard's customer service takes a hit as it receives epic inflows of cash

I was struck by the following information in the article: "The volumes were off the charts, beyond our forecasts. We handled more than 10 million phone calls, answered 1.4 million emails, and transacted 17 million brokerage trades" in 2016, Vanguard spokesman John Woerth It is difficult t...
by Artisan
Sat Apr 01, 2017 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Saying Hello, Questions on Getting Started
Replies: 20
Views: 1151

Re: New Boglehead Saying Hello, Questions on Getting Started

I'm just going to make a general comment instead of answering your questions individually. You mention how you're not trying to time the market in various different ways several times in your post. Holding money back because you "think" the market is going to go down and you want to take a...
by Artisan
Sat Apr 01, 2017 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Two comma club - thank you
Replies: 10
Views: 2308

Re: Two comma club - thank you

Well done. Enjoy your pizza. :)
by Artisan
Fri Mar 31, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?
Replies: 75
Views: 3935

Re: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?

I disagree with the advice you were given. If you had this conversation before you invested this lump sum, and you prefer to DCA rather then lump sum invest then that's fine. The reason he gave you about IF it goes down is one side of the argument. The other side is: what if it never goes lower? Wha...
by Artisan
Fri Mar 31, 2017 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request - Hoping I'm On the Right Track
Replies: 5
Views: 504

Re: Portfolio Review Request

Thanks Artisan! Great points and much appreciated. Hoping to pay for college out of the 529s if possible. Although it seems to be the range of potential costs for college is so high it's crazy hard to plan for (estimates seem to range from about $250k for an expensive state school to $600k for a pr...
by Artisan
Fri Mar 31, 2017 7:09 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Request - Hoping I'm On the Right Track
Replies: 5
Views: 504

Re: Portfolio Review Request - Hoping I'm On the Right Track

Some comments in pink Dear Bogleheads, I would be grateful for your advice on my portfolio and the specific questions listed at the end of this post, especially questions number 1 and 2. I have studied this forum and the wiki quite a bit, read a few books, and hope I am close to a sensible strategy,...
by Artisan
Wed Mar 29, 2017 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: construct a portfolio
Replies: 7
Views: 413

Re: construct a portfolio

Use the link at the bottom of Retiredjg 's post for the proper format for asking portfolio question.

Then people will be able to provide better answers.
by Artisan
Wed Mar 29, 2017 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Have had money in a managed Merrill Lynch account for years, wondering if I should switch
Replies: 30
Views: 1429

Re: Have had money in a managed Merrill Lynch account for years, wondering if I should switch

Sounds like you are paying with AUM, Expense ratios and load waiver fees between 2.5 - 3%. That is huge!! I will pass on these words of wisdom from Mr. Bill Bernstein from his "If You Can" pamphlet: "Act as if every broker, insurance salesman, mutual fund salesman and financial adviso...
by Artisan
Wed Mar 29, 2017 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Question re 403b with TIAA-CREF
Replies: 21
Views: 863

Re: Question re 403b with TIAA-CREF

I think it is important for you to get the information from your employer about what options you have in your 403b and 401A plans. Then when you have them make a post following the guidelines in the sticky at the beginning of this section of the forum. I think we will be able better to offer guidanc...
by Artisan
Wed Mar 29, 2017 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund In Retirement?
Replies: 20
Views: 2733

Re: Vanguard Balanced Index Fund In Retirement?

Nothing wrong withe this fund in retirement if you are comfortable with a 60/40 AA. If you have both taxable and non taxable accounts the bond portion might be better off in the tax deferred portion with slightly lower expense ratios. Taxable VTSAX 60% Tax deferred VBTLX 40% Other then that, a good ...
by Artisan
Wed Mar 29, 2017 7:46 am
Forum: Investing - Theory, News & General
Topic: Stay the course, always?
Replies: 55
Views: 4366

Re: Stay the course, always?

^^^^^^^^^^ This!
by Artisan
Tue Mar 28, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Short time to retirement questions, thinking about bogle philosophy in light of our short time frame
Replies: 10
Views: 897

Re: Short time to retirement questions, thinking about bogle philosophy in light of our short time frame

Thank you very much to everyone; you've been very generous with your replies. We have both already invested monies as well as an uninvested lump sum that needs to be invested and so, in fact, we hit on both situations. To the extent you are willing to share, may I ask how far you are from retiremen...
by Artisan
Mon Mar 27, 2017 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 6414

Re: Weathering sell-off days like today

If you are seriously concerned about the small intra-day drop then you shouldn't be invested in the market. Pick investments like CDs that only go up. Not necessarily real value but total dollars. Other then that, you have to accept that investing involves risk as Nisiprius so eloquently stated it. ...
by Artisan
Sun Mar 26, 2017 7:10 pm
Forum: Investing - Theory, News & General
Topic: Christine Benz's Three Bucket System
Replies: 77
Views: 7675

Re: Christine Benz's Three Bucket System

I guess if the financial "gurus" didn't think up stuff like this no one would need to listen to them.

A three fund portfolio, an emergency fund, a proper asset allocation for our situation and an IPS are all we need.
by Artisan
Fri Mar 24, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Advice investing in index funds
Replies: 9
Views: 870

Re: Advice investing in index funds

Welcome to the Boglehead forum and investing. To give you advice we need a little more information. How much do you plan to invest overall? Is this a one time investment or do you plan to contribute regularly? How much do you plan to invest over time say every month or year? Do you have access thro...
by Artisan
Fri Mar 24, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: dollar cost averaging
Replies: 11
Views: 1011

Re: dollar cost averaging

Of course it is difficult. It is hard to do the right thing when everyone is telling you something else. Remind yourself that: 1) Most of the people who are talking about what to do don't really know. 2) The "experts" on television all have a vested interest and it isn't your interest they...
by Artisan
Thu Mar 23, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Advice investing in index funds
Replies: 9
Views: 870

Re: Advice investing in index funds

Welcome to the Boglehead forum and investing. To give you advice we need a little more information. How much do you plan to invest overall? Is this a one time investment or do you plan to contribute regularly? How much do you plan to invest over time say every month or year? Do you have access thro...

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