Search found 43 matches

by BuyAndHoldOn
Sat Aug 05, 2017 10:14 am
Forum: Investing - Help with Personal Investments
Topic: 85/15 too aggressive at age 35?
Replies: 89
Views: 7836

Re: 85/15 too aggressive at age 35?

I am a little younger than the 'OP' (not by much) - and 100% of my retirement accounts (HSAs, etc.) are in equities. In my taxable account: I'm moving towards 60/40 equities/fixed income. [point is] If your accessible [non-retirement] money is sufficient, you could have a higher allocation to equiti...
by BuyAndHoldOn
Sun Jul 16, 2017 1:11 pm
Forum: Investing - Theory, News & General
Topic: Is the Total US Stock Market too concentrated?
Replies: 51
Views: 4017

Re: Is the Total US Stock Market too concentrated?

This might leave an investor who invests in 100% US stocks exposed to certain sectors and not adequately diversified. Could you explain this a bit more? What sectors do you think are being under weighted? Here is my take. For the past 20 to 30 years the market has undergone a structural change. It ...
by BuyAndHoldOn
Sun Jul 16, 2017 12:59 pm
Forum: Investing - Theory, News & General
Topic: Do Index Funds Distort Market Valuations?
Replies: 83
Views: 5080

Re: Do Index Funds Distort Market Valuations?

I wish I could find it, but there was a Wall Street Journal article a while back that discussed the valuation metrics of companies in the S&P 500 vs. outside the S&P 500. I believe they used two trucking/transport companies as an example, pointing out that the company included in the index h...
by BuyAndHoldOn
Sun Jul 09, 2017 6:20 pm
Forum: Investing - Theory, News & General
Topic: Stocks and Bonds both declining.
Replies: 60
Views: 5386

Re: Stocks and Bonds both declining.

This may be obvious, but "bonds" as an asset class can be quite diverse. Total Bond Market (or equivalent) is nice because it makes 0 active bets [for better or worse] - it covers all parts of the yield curve, and does not lean heavily to certain corporate sectors. The one area it is proba...
by BuyAndHoldOn
Sun Jul 09, 2017 6:04 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 13805

Re: Anyone else gotten totally bored with investing?

I am interested in financial markets (etc.) so I continue to find investing fascinating.

But I invest boglehead style.
by BuyAndHoldOn
Sun Jul 09, 2017 5:47 pm
Forum: Investing - Theory, News & General
Topic: My Favorite Alternative Funds
Replies: 119
Views: 9519

Re: My Favorite Alternative Funds

Interesting that no one has discussed private equity. Is that too difficult to access for a non-accredited investor? I like the concept of private equity more than trading strategies for an investment approach (i.e., some actual economic activity). Not "dissing" the other approaches, I fin...
by BuyAndHoldOn
Thu Jun 29, 2017 9:28 am
Forum: Investing - Theory, News & General
Topic: Tax free investing with hedge funds
Replies: 2
Views: 283

Tax free investing with hedge funds

New boglehead strategy here. I hope to see a guide on the main site.

& apologies if this was posted already.

https://www.bloomberg.com/news/articles ... s-insurers
by BuyAndHoldOn
Sun Jun 18, 2017 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Producing Income in Taxable Account (Not Retired)
Replies: 19
Views: 1818

Re: Producing Income in Taxable Account (Not Retired)

Remember that any shares sold that have short term cap gains will be taxed at your ordinary rate, not the LTCG rate of 15%. Maybe you should keep out 9 months to 1 year's worth of cash, invest the rest and wait a year before using any of that money (other than the dividends). I like a strategy *lik...
by BuyAndHoldOn
Sun Jun 18, 2017 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Why do we need an emergency fund?
Replies: 70
Views: 4527

Re: Why do we need an emergency fund?

As has been pointed out on this and other threads: Once your accessible investments become sizable enough, that *is* your emergency fund. Within that framework, having sufficient cash/low risk investments on hand would be nice when funds are needed -->Timing the market is tough in equities for both ...
by BuyAndHoldOn
Sun Jun 18, 2017 2:22 pm
Forum: Investing - Theory, News & General
Topic: If everybody indexed, the only word you could use is chaos, catastrophe
Replies: 66
Views: 8612

Re: If everybody indexed, the only word you could use is chaos, catastrophe

Anything that can't go on forever won't do so in the real world. If there is a percentage at which indexing becomes less efficient than stock picking or other strategies, indexing will presumably not grow to a higher percentage than that value. Doesn't matter whether that percentages is 50%, 80%, o...
by BuyAndHoldOn
Sun Jun 18, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: Best Financial Advice from Dad (in honor of father's day)
Replies: 78
Views: 5424

Re: Best Financial Advice from Dad (in honor of father's day)

My dad always said: [just] Buy the S&P 500. Whenever I mentioned saving money or a similar topic, he always said that.

I do total market funds, but the idea of indexing was pointed out to me in my ~mid-teens.
by BuyAndHoldOn
Sat Jun 17, 2017 7:33 pm
Forum: Investing - Theory, News & General
Topic: Risk on or Risk off? An NYU professor's take
Replies: 5
Views: 1114

Risk on or Risk off? An NYU professor's take

This guy puts out a lot of free content, FYI. Quick takeaway: Largely because of historically low interest rates, equities do not *appear* significantly overvalued by historical standards. He is referring to the risk premium, or extra compensation [theoretically] demanded by investors for holding eq...
by BuyAndHoldOn
Sun Jun 11, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: To re-paint car bumper, or wait
Replies: 12
Views: 913

Re: To re-paint car bumper, or wait

Thanks for the suggestions, all.
by BuyAndHoldOn
Sat Jun 10, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: To re-paint car bumper, or wait
Replies: 12
Views: 913

To re-paint car bumper, or wait

Hello, I have some minor (in my opinion) scrapes on the front bumper of my car. Are these scrapes severe enough to necessitate repair before winter/rain comes in? And/or when roads get treated with who knows what (I live in Utah, if matters) - ? The metal comes through in a few small places (indicat...
by BuyAndHoldOn
Sat Jun 03, 2017 6:28 pm
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 9341

Re: Everything keeps going up, this feels too easy?

Will equities be up more than they are now in 2, 5, 10; 30 years? I guess it all depends on your time frame.
by BuyAndHoldOn
Fri Jun 02, 2017 8:43 pm
Forum: Investing - Theory, News & General
Topic: Bogle: Even indexing can be too much of a good thing
Replies: 25
Views: 4511

Re: Bogle: Even indexing can be too much of a good thing

I don't think that last quartile will go to indexing anytime in the next decade or two. It's all the rage now and still less than 50% of even domestic equity assets according to that article. Many, many years away. There has been a mass exodus to indexing the last 1-3 years to the tune of 46% domes...
by BuyAndHoldOn
Fri Jun 02, 2017 8:35 pm
Forum: Investing - Theory, News & General
Topic: Does anyone treat taxable as a "someday fund"?
Replies: 86
Views: 6627

Re: Does anyone treat taxable as a "someday fund"?

mortfree wrote:..
my taxable account is labeled "I have no idea what I'm going to use this money for but I like watching it grow."

..



Same here. The indeterminate time frame can make asset allocation more challenging, but such is life. :|
by BuyAndHoldOn
Fri Jun 02, 2017 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Timing the market? :Bonds in rising interest rate environment
Replies: 22
Views: 2291

Re: Timing the market? :Bonds in rising interest rate environment

The market already prices in expectations of future interest rates. The current price of bonds includes the knowledge that the Fed is likely to raise the short term rate 1-2 more times in 2017. Precisely. The same math that is leading to this thread is also part of the inputs to the current market ...
by BuyAndHoldOn
Sun May 28, 2017 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Help - transfer HSA; rollover 403(b) to IRA
Replies: 5
Views: 483

Re: Help - transfer HSA; rollover 403(b) to IRA

HealthEquity charges 0.4% for access to Vanguard funds, so you wouldn't be saving much from switching to HealthEquity. Saturna gets good reviews here. You are correct. .033% per month on every $1,000 invested [like, this only has 120 calories - per tbsp]. I am still mulling over the decision.
by BuyAndHoldOn
Sat May 27, 2017 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Help - transfer HSA; rollover 403(b) to IRA
Replies: 5
Views: 483

Re: Help - transfer HSA; rollover 403(b) to IRA

Health equity has had some good reviews here. I wouldnt worry about volatility, you will only be out of the market for a sort time compared to your investment lifetime. There are several reasons to leave the 403 as is, but rolling it over is fine if you want to. If your income should increase, you ...
by BuyAndHoldOn
Sat May 27, 2017 7:52 am
Forum: Investing - Help with Personal Investments
Topic: Help - transfer HSA; rollover 403(b) to IRA
Replies: 5
Views: 483

Help - transfer HSA; rollover 403(b) to IRA

Greetings, And thank you in advance for your perspective. I have changed employers in the last few months, which has left me with the following situation. 1) Bank of America Health Savings Account with $13k in equity Mutual Funds (invested Boglehead style); and a $1k cash account balance. After leav...
by BuyAndHoldOn
Tue Mar 14, 2017 9:51 am
Forum: Investing - Theory, News & General
Topic: Fewer investment grade corporate bonds due to tax proposal?
Replies: 7
Views: 582

Re: Fewer investment grade corporate bonds due to tax proposal?

You are a relatively new poster, but discussions of proposed legislation are off topic (see forum policies) and this thread will be locked. #1, Thank you (and ValueThinker!) for the comments. #2, sorry about the rules issue. This seemed a pertinent topic to me, and investing-related - I didn't mean...
by BuyAndHoldOn
Tue Mar 14, 2017 9:06 am
Forum: Investing - Theory, News & General
Topic: Fewer investment grade corporate bonds due to tax proposal?
Replies: 7
Views: 582

Fewer investment grade corporate bonds due to tax proposal?

Hello, Any ideas (theories) on the impact of removing the interest expense deduction from corporations? My concern is fewer investment grade corporate bonds to invest in. But as much as I appreciate investment grade corporate bonds in the Aggregate bond index(es), I can understand the reasoning behi...
by BuyAndHoldOn
Sun Aug 28, 2016 6:35 pm
Forum: Investing - Theory, News & General
Topic: Outlook on oil
Replies: 54
Views: 4456

Re: Outlook on oil

Like many of the other Oil threads in the last 2+ years, there are a lot of good replies/good thoughts in this thread. Here is my situation: *I Bought VGENX (Vanguard Energy - actively managed) about a year ago looking for a value investment. *I saw oil/the equities in the fund go up and down - most...
by BuyAndHoldOn
Sat Mar 26, 2016 6:10 pm
Forum: Investing - Theory, News & General
Topic: You cannot make money old fashioned way in this market
Replies: 25
Views: 5875

Re: You cannot make money old fashioned way in this market

stevewolfe wrote:I enjoy listening to him on Bloomberg or CNBC. He's always well prepared, thought provoking and convincing. A lot to ponder.

But I don't act on what he says. :beer



Same with the market commentators I listen to. Good for information; bad for advice.
by BuyAndHoldOn
Wed Jan 20, 2016 5:21 pm
Forum: Investing - Theory, News & General
Topic: Why buy now, why not wait until the market really crashes??
Replies: 79
Views: 12157

Re: Why buy now, why not wait until the market really crashes??

" I see people saying they are buying. " Why? " Time " ,of which we all only have a limited amount of. Not Timing Invest Now ,put the dollars to work. Exactly. You don't have to use lump-sums to invest; just dollar-cost average. I'm increasing my contributions outside of my tax ...
by BuyAndHoldOn
Sun Jan 03, 2016 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio frustration
Replies: 8
Views: 1376

Re: Portfolio frustration

I like your current portfolio - it should reap market returns without excessive fees and without having to think about/manage the portfolio.

Why so much bond investing - how close are you to retirement?
by BuyAndHoldOn
Thu Dec 24, 2015 4:24 pm
Forum: Investing - Theory, News & General
Topic: Large Energy stocks - why not?
Replies: 158
Views: 14716

Re: Large Energy stocks - why not?

Not sure anyone has posted this news: ETF Investors Have Spent $24 Billion Trying to Call a Bottom in Oil It seems energy stocks have not reached the bottom as investors have not given up on them yet. Cheers, Zhen I saw that. I actually saved it to my One Note. I wondered if I (who invested in Vang...
by BuyAndHoldOn
Mon Dec 21, 2015 3:50 pm
Forum: Investing - Theory, News & General
Topic: Large Energy stocks - why not?
Replies: 158
Views: 14716

Re: Large Energy stocks - why not?

I rather enjoy these threads. I mean it - they're fun for me, I enjoy the points people make. For context: I took a speculative position in Vanguard Energy recently, and have added to it with the even-more recent volatility. But I know I may be "wrong" - the industry/sector may lag the ove...
by BuyAndHoldOn
Wed Dec 09, 2015 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Who's buying Oil stocks?
Replies: 168
Views: 24507

Re: Who's buying Oil stocks?

I am curious how many Bogleheads may have invested in the Vanguard Energy Fund over the last couple of months. Guilty. Ditto. I was just buying and holding on - but I recently bought in a little bit more with the recent volatility. I really do think this is a buying opportunity if your time horizon...
by BuyAndHoldOn
Tue Oct 06, 2015 9:36 am
Forum: Investing - Theory, News & General
Topic: VW stock goes from 170 to almost 100 and falling, good time to buy?
Replies: 169
Views: 18979

Re: VW stock goes from 170 to almost 100 and falling, good time to buy?

Anyone thinking of shorting VW for further falls? Shorting seems pretty aggressive: you could just stay out of the stock if you thought it was going down --> no headache if the stock comes back. [I'll thank myself for playing Captain Obvious there]. Plus: it's such a timing game; at what point do y...
by BuyAndHoldOn
Sun Sep 20, 2015 3:06 pm
Forum: Investing - Theory, News & General
Topic: Active Management for International investing?
Replies: 14
Views: 1459

Active Management for International investing?

My question: Is investing internationally an area where active management makes sense? I know *cost* is a huge variable to that. I could stand to do some more research on this before asking the question, but what I have looked at so far didn't give me much to work with. I like the Vanguard Total Int...
by BuyAndHoldOn
Sat Sep 12, 2015 4:13 pm
Forum: Investing - Theory, News & General
Topic: The Dogs of Vanguard?
Replies: 36
Views: 4582

Re: The Dogs of Vanguard?

The 'unknown' is why the standard advice is to invest broadly. Those sectors may or may not be profitable in the 5-10 year period you have in mind. Do you know what companies are in these sector funds; how the funds select investments, etc.? You may be in a fund that is not invested in what you thou...
by BuyAndHoldOn
Mon Aug 24, 2015 8:57 am
Forum: Investing - Theory, News & General
Topic: New Investors - First Correction?
Replies: 45
Views: 5189

Re: New Investors - First Correction?

I am a new investor (well, I've been investing for 11 months now). I feel excited by these events. Positively excited. In fact, I have an itchy finger. This is probably not good - I'm asking myself: "Should I invest my emergency fund?" A resounding NO. "Should I sell some or all of m...
by BuyAndHoldOn
Sat Aug 08, 2015 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Help evaluate! Federal Government employment vs. Private sector
Replies: 49
Views: 5516

Re: Help evaluate! Federal Government employment vs. Private sector

I'm guessing the hours worked/enjoyment/development [or whatever you're going for] are similar at both jobs? Or are you just evaluating location and pay/benefits? My first thought is that government tends to offer much better hours. After being burned by a previous employer when it came to those exp...
by BuyAndHoldOn
Thu May 28, 2015 9:36 am
Forum: Investing - Theory, News & General
Topic: Market Capitalization Flaw in Index Funds
Replies: 11
Views: 1524

Re: Market Capitalization Flaw in Index Funds

I appreciate the thought and input that this thread has received - thank you, everyone. As for the name BuyAndHoldOn: I was thinking that the name FriendsWithTaxBenefits would either be confusing or seem immature, so I picked BuyAndHoldOn. Within the U.S. stock market, the possibility of distortion ...
by BuyAndHoldOn
Wed May 27, 2015 7:37 pm
Forum: Investing - Theory, News & General
Topic: Market Capitalization Flaw in Index Funds
Replies: 11
Views: 1524

Market Capitalization Flaw in Index Funds

Like many here, I think Index Fund investing is the best [easiest] way to invest. But with more and more of the investment market channeling funds to passively managed index funds, won't the cap-weighted indexes become distorted? As in: the bigger companies in an index will be over weighted as simpl...
by BuyAndHoldOn
Mon May 25, 2015 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Do I really need International equities in my portfolio ?
Replies: 87
Views: 10509

Re: Do I really need International equities in my portfolio ?

I haven't combed over all of the posts so I apologize if this has already been posted: m Basically, using yet another back-tested set(s) of data, the difference between investing internationally vs. not did not produce materially different results. Plenty of caveats and qualifiers are found in the a...
by BuyAndHoldOn
Thu Apr 30, 2015 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: VNQI/Vanguard International Real Estate fund
Replies: 2
Views: 729

VNQI/Vanguard International Real Estate fund

Hello, My question(s): What are your thoughts on VNQI/the Vanguard International Real Estate fund for diversification (i.e., a fund not correlated to US Stocks/bonds)? What are your thoughts on the risk/reward profile and nature of its holdings? ( And yes, I have done searches on this forum/read oth...
by BuyAndHoldOn
Thu Apr 02, 2015 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Total International Vs. Small Cap Intl
Replies: 15
Views: 2473

Re: Total International Vs. Small Cap Intl

It sounds like you don't realize that the small cap stocks are already included in the Vanguard Total International fund. If you add any, you are overweighting (tilting) small cap. I know some small caps are in the Total International, but the fund is still primarily a "large-cap" fund ow...
by BuyAndHoldOn
Wed Apr 01, 2015 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Total International Vs. Small Cap Intl
Replies: 15
Views: 2473

Re: Total International Vs. Small Cap Intl

What you are proposing has a logic to it, but the logic is not backed by the evidence. Normally one chooses something like total-international because one believes the evidence that it is not possible to predict which sectors or stocks will outperform the others. You think you can predict outperfor...
by BuyAndHoldOn
Mon Mar 30, 2015 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Total International Vs. Small Cap Intl
Replies: 15
Views: 2473

Re: Total International Vs. Small Cap Intl

Valid points - thank you both. (In my defense, the Seeking Alpha link is a Morningstar article Redeeming, or no? Moot point). In terms of the small-cap premium: That was not really my goal. My goal was just to be diversified on the international equity portion of my portfolio, and I thought the inte...
by BuyAndHoldOn
Mon Mar 30, 2015 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Total International Vs. Small Cap Intl
Replies: 15
Views: 2473

Total International Vs. Small Cap Intl

Hello, First post - and I registered because this question has been hard to research, and I am looking for your opinions and insights. (Thank you!) I am adding international exposure to my taxable (non-retirement) account. I was accumulating VXUS (Total International ETF), but I became concerned abo...