Search found 2318 matches

by Index Fan
Thu Dec 08, 2016 1:17 pm
Forum: Investing - Theory, News & General
Topic: Why not have an Emergency Fund in your Roth...(for those who can't max out anyways)
Replies: 22
Views: 2079

Re: Why not have an Emergency Fund in your Roth...(for those who can't max out anyways)

abuss368 wrote:I have always keep our cash separate from our investing. Our Roth IRAs are for retirement.

Keep investing simple.



:beer
by Index Fan
Thu Dec 08, 2016 9:53 am
Forum: Investing - Theory, News & General
Topic: Vanguard Health Care Fund
Replies: 16
Views: 1617

Re: Vanguard Health Care Fund

Nobody knows nothin'.
by Index Fan
Thu Dec 08, 2016 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Current Market rally
Replies: 51
Views: 4917

Re: Current Market rally

Nobody knows nothin'.
by Index Fan
Thu Dec 08, 2016 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Where does Gold fit in passive investing
Replies: 18
Views: 1339

Re: Where does Gold fit in passive investing

I see a small amount of gold as an insurance policy on one's traditional portfolio. The same as being prepared for a disaster with extra food and whatnot.
by Index Fan
Tue Dec 06, 2016 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard
Replies: 44
Views: 2922

Re: Fidelity or Vanguard

Use both. Simple- diversification of your money is good :)
by Index Fan
Mon Dec 05, 2016 12:29 pm
Forum: Investing - Theory, News & General
Topic: Euro slides as Italy Votes No
Replies: 18
Views: 2964

Re: Euro slides as Italy Votes No

Nothing against grok's comments. I was prepared to see the Euro down and international stocks down on Monday. I just wonder what the future's markets tell us if anything? Remember the US election night where the news reporters said the Dow futures were down 500 points (if I recall right)? The curre...
by Index Fan
Fri Dec 02, 2016 1:27 am
Forum: Investing - Theory, News & General
Topic: What was your Asset Allocation before and after retirement?
Replies: 91
Views: 8033

Re: What was your Asset Allocation before and after retirement?

60/40 before retirement, 50/50 in retirement (have a pension)
by Index Fan
Fri Dec 02, 2016 1:25 am
Forum: Investing - Theory, News & General
Topic: What percentage of international do you hold?
Replies: 127
Views: 5614

Re: What percentage of international do you hold?

33% of equities, ~10% of bonds
by Index Fan
Sun Nov 27, 2016 8:49 am
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 11114

Re: Anybody regretting holding on to your REITS?

Why?

I'm a buy-and-hold investor, and in the 16 or so years I've held them they've been a good diversifier and have done well for me.
by Index Fan
Sat Nov 26, 2016 9:10 am
Forum: Investing - Help with Personal Investments
Topic: My Bonds Are Enraging Me
Replies: 43
Views: 5221

Re: My Bonds Are Enraging Me

You apparently cannot take any risk whatsoever.

Invest in CDs.
by Index Fan
Mon Nov 14, 2016 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds suck
Replies: 46
Views: 6407

Re: Bonds suck

Bonds are doing their job, dampening stock market volatility in a portfolio and responding to interest rate moves, up or down.

Anyone looking at a 1-year return on an investment is not much of a Boglehead.
by Index Fan
Fri Nov 11, 2016 9:21 am
Forum: Personal Finance (Not Investing)
Topic: John Hancock discontinues LTC insurance sales
Replies: 45
Views: 4154

Re: John Hancock discontinues LTC insurance sales

The writing has been on the wall for some time now.
by Index Fan
Wed Nov 09, 2016 7:45 pm
Forum: Investing - Theory, News & General
Topic: Bonds are getting crushed...
Replies: 42
Views: 8879

Re: Bonds are getting crushed...

TBM and forget it. You can arguably own TIPS too, but TBM is a sleep-tight bond allocation.
by Index Fan
Wed Nov 09, 2016 4:15 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Index
Replies: 15
Views: 2752

Re: Total Bond Index

I used to own the Short Term Bond Index in taxable (not a high tax bracket here). I'd be fine with TBM in taxable.

Oh for the days of 5% money market returns :p
by Index Fan
Mon Nov 07, 2016 3:08 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo
Replies: 53
Views: 5699

Re: Amazon Echo

If you want big business recording and inevitably selling everything you say, by all means, jump right in. Government buys data from businesses you patronize too. Just to let you know. Pet licenses, no big deal? Human nature being what it is, I doubt it stops there. King County using customer grocer...
by Index Fan
Fri Oct 28, 2016 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Sued for General [Investment] Advice?
Replies: 43
Views: 5389

Re: Sued for General Advice?

adamthesmythe wrote:> You can get sued for anything.

In the US you can be sued for having a wide tie.

Personally I feel less of an urge to improve other people as I get older. So I rarely feel the need to give advice.



With age comes wisdom :)
by Index Fan
Thu Oct 27, 2016 6:00 pm
Forum: Investing - Theory, News & General
Topic: Who disagrees with Jack. . .
Replies: 73
Views: 5474

Re: Who disagrees with Jack. . .

Since Argument By Authority is a fallacy, I don't agree with Jack just because he's Jack. In my judgement he's right on many things, but I don't agree with him on 'there's no need for international equity funds' and I share the OP's concern with adding more corporate bonds to the TBM. Jack's a livin...
by Index Fan
Wed Oct 26, 2016 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: BND instead of a saving account
Replies: 7
Views: 1063

Re: BND instead of a saving account

That would pass my sleep test.
by Index Fan
Sat Oct 22, 2016 8:17 pm
Forum: Investing - Theory, News & General
Topic: "Jack Bogle wouldn’t risk investing outside the US"
Replies: 101
Views: 7257

Re: "Jack Bogle wouldn’t risk investing outside the US"

Appeal To Authority is a logical fallacy, and I am constantly amused to see otherwise intelligent people here engage in it.

Jack is a fantastic guy and has made incredible contributions to investment theory, but I have to disagree with him here.
by Index Fan
Fri Oct 21, 2016 6:01 pm
Forum: Investing - Theory, News & General
Topic: "Jack Bogle wouldn’t risk investing outside the US"
Replies: 101
Views: 7257

Re: "Jack Bogle wouldn’t risk investing outside the US"

like the U.S. The U.S. is the most productive country in the world. It is the most rapidly growing of the industrialized nations, other than Switzerland. We still have plenty of problems, but we’re much better than France, Britain and Germany. And we don’t even want to talk about Italy and Greece. ...
by Index Fan
Wed Oct 19, 2016 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance Premium Increase
Replies: 29
Views: 3197

Re: Long Term Care Insurance Premium Increase

I had LTCI at one time but dropped it. Not only are premiums drastically increasing, many providers are getting out of the business. I didn't want to pay for a product that I would have to cancel after many years and many thousands of dollars spent on it. The final straw was realizing how I get the ...
by Index Fan
Wed Oct 12, 2016 10:11 am
Forum: Investing - Help with Personal Investments
Topic: If i want to invest in gold (metal), what is the best way?
Replies: 128
Views: 8764

Re: If i want to invest in gold (metal), what is the best way?

If you look at a small position in PM's as portfolio insurance, the case for them looks better.

Funny how bitcoins are seen as The Future buy many, but gold is a dinosaur.
by Index Fan
Wed Oct 12, 2016 10:09 am
Forum: Investing - Theory, News & General
Topic: The Case for Consumer Staples in Your Portfolio
Replies: 13
Views: 1022

Re: The Case for Consumer Staples in Your Portfolio

Sector tilting towards soft drinks and tobacco? Is this a vice ETF?


If by vice you mean 'things I don't like', apparently so.
by Index Fan
Mon Oct 10, 2016 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: If i want to invest in gold (metal), what is the best way?
Replies: 128
Views: 8764

Re: If i want to invest in gold (metal), what is the best way?

gerntz wrote:
sawhorse wrote: Even during the Civil War, the stock market survived and paper money held value.
That depended on which side you supported.


Heh.
by Index Fan
Sun Oct 09, 2016 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Crossing the line (becoming a miser)
Replies: 71
Views: 9201

Re: Crossing the line (becoming a miser)

It's all relative (in more ways than one). Some people think you're a miser if you have a savings account.
by Index Fan
Thu Oct 06, 2016 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: New study suggest human lifespan is limited to 115 years
Replies: 27
Views: 1959

Re: New study suggest human lifespan is limited to 115 years

In Larry Niven's Known Space sci-fi series, people lived over 200 years by receiving organ transplants. Organs became so much in demand that you'd be taken apart for your organs if you got too many traffic tickets.

Good series :)
by Index Fan
Thu Oct 06, 2016 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: If i want to invest in gold (metal), what is the best way?
Replies: 128
Views: 8764

Re: If i want to invest in gold (metal), what is the best way?

There are certainly many different objects of value to have when economies collapse (booze, toilet paper, ammo, food etc) but precious metals have their place as well- this author survived the Argentine Economic Collapse and recommends having some junk gold & silver: https://en.wikipedia.org/wik...
by Index Fan
Thu Oct 06, 2016 7:37 am
Forum: Investing - Help with Personal Investments
Topic: If i want to invest in gold (metal), what is the best way?
Replies: 128
Views: 8764

Re: If i want to invest in gold (metal), what is the best way?

Worth repeating- We have close to 10% of our assets in GLD and/or PHYS. I see gold as a currency that can't be inflated by governments, not as a commodity. Commodities are consumed & very little gold is. True that gold is only worth what someone is willing to pay for it. What tangible asset isn'...
by Index Fan
Sun Oct 02, 2016 7:13 pm
Forum: Investing - Theory, News & General
Topic: Which Bond Fund As Emergency Fund?
Replies: 39
Views: 4020

Re: Which Bond Fund As Emergency Fund?

I used to use the VG Short Term Bond Index as an emergency fund. TBM is probably more suitable now if you don't mind a bit of risk.
by Index Fan
Sat Oct 01, 2016 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: A broker's response to 3 Fund Portfolio
Replies: 61
Views: 6148

Re: A broker's response to 3 Fund Portfolio

Having to justify my money decisions to a person trying to make money off of me is the last thing I'd ever want to do.
by Index Fan
Fri Sep 30, 2016 11:35 am
Forum: Investing - Help with Personal Investments
Topic: How much cash should I have in my portfolio?
Replies: 27
Views: 3468

Re: How much cash should I have in my portfolio?

How much cash you have in your portfolio is like your asset allocation decision- how much makes you feel comfortable? I view cash as a part of a diversified portfolio of equities and bonds. I don't want to hold too much of it, due to its lack of inflation protection, but having enough on hand not to...
by Index Fan
Fri Sep 30, 2016 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Are REITS appropriate in a "buy and hold" portfolio?
Replies: 18
Views: 2286

Re: Are REITS appropriate in a "buy and hold" portfolio?

I'm a buy-and-holder with 10% of my total portfolio in the VG REIT Index. I'm largely a lumper- 90% of my portfolio consists of TSM, TISM, TBM, and VG TIPS Fund- the 10% in the REIT Index is my one nod to slice-and-dice. The volatility (and over the last 16 years, the increased return) of REITs has ...
by Index Fan
Thu Sep 29, 2016 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Furious about adult education class [Investment seminar]
Replies: 42
Views: 3721

Re: Furious about adult education class

The sooner you make your peace with the world being non-optimal, the sooner you can focus on what you yourself can control.
by Index Fan
Thu Sep 29, 2016 7:01 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market vs. 2% CD
Replies: 39
Views: 8190

Re: Total Bond Market vs. 2% CD

Total Bond Market Index returns: 2008: 5.15% 2009: 6.04% 2010: 6.54% 2011: 7.69% 2012: 4.15% 2013: -2.15% 2014: 5.89% 2015: 0.40% YTD 5.81% Useful information if you have a time machine. Actually, if you have a time machine, you could have done much better. Kevin Nothing to do with a time machine. ...
by Index Fan
Thu Sep 29, 2016 6:56 pm
Forum: Investing - Theory, News & General
Topic: reit allocation
Replies: 30
Views: 2687

Re: reit allocation

I have 10% of my total asset allocation allotted to the VG REIT Index. I consider it part of my equity allocation. It has worked out well for me for the last 16 years and has been a good diversifier. It is not a fund for the faint of heart, but the other 90% of my portfolio is TBM/TIPS/TSM/TISM whic...
by Index Fan
Wed Sep 28, 2016 8:07 am
Forum: Investing - Theory, News & General
Topic: The allocation you pick has little to do with performance success
Replies: 42
Views: 4502

Re: The allocation you pick has little to do with performance success

We don't know what allocation will return the most in the future.

Set an allocation you are comfortable with and go live your life.
by Index Fan
Wed Sep 28, 2016 7:53 am
Forum: Investing - Help with Personal Investments
Topic: What Percentage To Put In International Stock?
Replies: 58
Views: 5226

Re: What Percentage To Put In International Stock?

It should be noted that since Mr. Bogle first recommended 0%-20% foreign stocks in 1993, U.S. stocks have significantly outperformed international stocks. He has been right for U.S. investors. This appears to be saying 'diversity is bad when it leads to underperformance of the best-performing asset...
by Index Fan
Mon Sep 26, 2016 8:56 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market vs. 2% CD
Replies: 39
Views: 8190

Re: Total Bond Market vs. 2% CD

Total Bond Market Index returns:

2008: 5.15%
2009: 6.04%
2010: 6.54%
2011: 7.69%
2012: 4.15%
2013: -2.15%
2014: 5.89%
2015: 0.40%

YTD 5.81%
by Index Fan
Wed Sep 21, 2016 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: What Percentage To Put In International Stock?
Replies: 58
Views: 5226

Re: What Percentage To Put In International Stock?

From zero to 50%, depending on who you talk to. Vanguard says 40%. I have 33%. It's true that international is increasingly correlated with the US stock market. I like international equity for the currency diversification.
by Index Fan
Wed Sep 21, 2016 3:30 pm
Forum: Investing - Theory, News & General
Topic: Do Bogleheads Bucket?
Replies: 89
Views: 8017

Re: Do Bogleheads Bucket?

An emergency fund (as discussed here) is a bucket, really. OK, a quasi-bucket.
by Index Fan
Tue Sep 20, 2016 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Anyone accidentally tell a friend about your inheritance?
Replies: 83
Views: 9607

Re: Anyone accidentally tell a friend about your inheritance?

I too learned my lesson when talking about finances. I foolishly mentioned how much I'd made in the market at a family gathering. Some months later, a relative asked to borrow money from me because they couldn't afford the balloon payment on their house and were desperate to throw other relatives' m...
by Index Fan
Wed Jul 27, 2016 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Think larva stage when I say "newbie" [buy an annuity?]
Replies: 25
Views: 1518

Re: Think larva stage when I say "newbie" [buy an annuity?]

Don't do it! Take your time to read up on investing, then make your decision.
by Index Fan
Tue Jul 26, 2016 7:58 am
Forum: Investing - Help with Personal Investments
Topic: short term (1 yr) investing strategy
Replies: 7
Views: 601

Re: short term (1 yr) investing strategy

nmack wrote:Any money you need for the house should be in a savings account (preferably 1%) or Very short term investments (< 1 year cd/bond) Anything else is far too risky for a 1 year time frame.


This is the way to go.
by Index Fan
Sun Jul 24, 2016 7:33 am
Forum: Investing - Help with Personal Investments
Topic: 20% In REITS?
Replies: 45
Views: 3904

Re: 20% In REITS?

I'm a 'lumper' (owning Total Stock Market, Total International Stock, Total Bond, TIPS) that has a 10% REIT Index holding as a nod to the 'slice n' dice' strategy. I've done this for the past 15 years or so and it's worked out well for diversification (future results may be different yadda yadda).
by Index Fan
Fri Jul 22, 2016 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 226
Views: 25581

Re: Where were you financially when you were at 30?

At 30, I picked up a 2nd job to get out of debt, and I started- in a small manner- to invest. 5 years later, I was a Boglehead.

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