Search found 1299 matches

by InvestorNewb
Tue Feb 09, 2016 2:18 pm
Forum: Investing - Theory, News & General
Topic: Schwab vs Vanguard
Replies: 22
Views: 1348

Re: Schwab vs Vanguard

Don't forget you are asking this on a Vanguard forum. :happy

If it wasn't for Vanguard, many of these other companies wouldn't be lowering their fees. You have to give credit where it is due.
by InvestorNewb
Mon Feb 08, 2016 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Thank goodness for my precious metals
Replies: 63
Views: 3315

Re: Thank goodness for my precious metals

Silence Dogood wrote:Troll.

We shouldn't discourage someone from posting a question or comment that doesn't align with our own philosophy.

This is a dangerous kind of thinking and behavior.
by InvestorNewb
Thu Feb 04, 2016 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Web sites to calculate personal investing returns
Replies: 4
Views: 292

Web sites to calculate personal investing returns

Hello, What sites do Bogleheads use to calculate their yearly returns? I recently stumbled upon a pretty neat site called hellomoney.co but my only issue with it is that you have to enter dollar amounts as opposed to the number of shares you own. This is obviously problematic because the dollar amou...
by InvestorNewb
Wed Feb 03, 2016 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: ETF regret
Replies: 26
Views: 2313

Re: ETF regret

While I only own ETFs, one thing that I like about mutual funds is being able to buy partial shares. Since I can only buy full shares with ETFs, I often have a small amount of change sitting in my tax-free/deferred account for the entire year. It's just annoying to look at I suppose.
by InvestorNewb
Tue Feb 02, 2016 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: question [Advisor suggests dividend paying funds/stocks]
Replies: 12
Views: 541

Re: question

Ask him if there is any guarantee that he can get him 60-70K a year. The truth will come out.
by InvestorNewb
Mon Feb 01, 2016 7:05 pm
Forum: Investing - Theory, News & General
Topic: Arguments against small-caps
Replies: 10
Views: 1376

Arguments against small-caps

Hello, What are some good arguments against holding small-cap funds? My portfolio is mainly made up of large-cap stocks. People often tout the advantages of small-caps, but what are some arguments from the other side for a change? I know they are riskier but how much riskier are they if you invest i...
by InvestorNewb
Thu Jan 28, 2016 9:12 pm
Forum: Investing - Theory, News & General
Topic: how often to rebalance
Replies: 11
Views: 1199

Re: how often to rebalance

Never.
by InvestorNewb
Fri Jan 22, 2016 9:19 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2692
Views: 534434

Re: U.S. stocks in freefall

If you think of 16 years as a " very long period of time", Bogle's strategy probably isn't for you. I would argue that it is a very long time considering that 16 years is typically more than half of one's investing lifetime. I.e. consider someone who starts investing at age 30 and retires...
by InvestorNewb
Fri Jan 22, 2016 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: I hate ETFs!!! [Lessons learned from market not going as expected]
Replies: 68
Views: 6488

Re: I hate ETFs!!!

I like ETFs. I wouldn't be with Vanguard if they weren't offered. (Vanguard mutual funds aren't offered outside the US.)

Also: you could have prevented the headache entirely if you simply used a market order. I use market orders every time I purchase more shares, and have never had this problem.
by InvestorNewb
Wed Jan 20, 2016 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: I have no more money to invest
Replies: 76
Views: 6291

I have no more money to invest

How many here are 100% stocks and seeing their net worth evaporate? I happen to be in that boat (after approx 3 years) and I am now thinking up ways to make more money to invest. One idea I had was selling my car, but then I would have to bus everywhere. I am saving some money every month (about $1k...
by InvestorNewb
Wed Jan 20, 2016 9:58 am
Forum: Investing - Theory, News & General
Topic: Why are REITs not providing any benefit in this market?
Replies: 45
Views: 4908

Why are REITs not providing any benefit in this market?

REITs are supposed to zig when the market zags.. or so I have been told.

Why are we not seeing the diversification benefit in the current market?
by InvestorNewb
Tue Jan 19, 2016 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones or Vanguard?
Replies: 53
Views: 4591

Re: Edward Jones or Vanguard?

The decision is very simple. If you want to pay exorbitant fees, go with Edward Jones. If you don't, go with Vanguard.
by InvestorNewb
Mon Jan 18, 2016 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Switching strategies and general thoughts
Replies: 6
Views: 605

Switching strategies and general thoughts

Hello, I'll start this off by saying that I am not seriously considering swapping my ETFs -- but it's hard not to second guess your investments when things are down. My question is why is the Total Stock Market ETF (VTI) the preferred and superior choice in the 3-fund portfolio over the High Dividen...
by InvestorNewb
Sat Jan 16, 2016 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Advice needed...US citizen attending college in Canada
Replies: 19
Views: 1063

Re: Advice needed...US citizen attending college in Canada

Norbert's Gambit is the cheapest way to exchange money. I live in Canada and have converted USD->CDN and CDN->USD multiple times using this method without any hassle.
by InvestorNewb
Fri Jan 15, 2016 12:54 pm
Forum: Investing - Theory, News & General
Topic: Who's buyin' today?
Replies: 127
Views: 10714

Re: Who's buyin' today?

I have no more disposable money to invest unfortunately. Everything is already in stocks.
by InvestorNewb
Fri Jan 15, 2016 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Swapping ETFs
Replies: 2
Views: 319

Re: Swapping ETFs

Thanks! I made the swap yesterday.
by InvestorNewb
Wed Jan 13, 2016 3:06 pm
Forum: Investing - Theory, News & General
Topic: Ever get mad at the screen when the market is down
Replies: 32
Views: 2078

Ever get mad at the screen when the market is down

I see that the market is down again today. I found myself saying "Take it all! I don't care what happens. [insert a few profanities]" in a frustrated yet serious undertone. In other words, if the market wants to play games then I will too. I will pretend that red is up and green is down. G...
by InvestorNewb
Tue Jan 12, 2016 10:03 pm
Forum: Investing - Theory, News & General
Topic: Is VITPX is the most cheapest of all index mutual funds?
Replies: 15
Views: 1511

Re: Is VITPX is the most cheapest of all index mutual funds?

Also don't forget that the cheapest MER fund isn't necessarily the cheapest overall. There could be a higher spread between the bid and the ask price if the fund isn't as liquid.
by InvestorNewb
Mon Jan 11, 2016 12:49 pm
Forum: Personal Consumer Issues
Topic: Treadmill
Replies: 17
Views: 1315

Re: Treadmill

I don't mean to hijack the thread, but does a silent or extremely quiet treadmill exist? I would like to get one for my apartment... but the noise level would have to be so low not to disturb the neighbors.
by InvestorNewb
Thu Jan 07, 2016 10:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Attracts Record Flows in 2015
Replies: 26
Views: 2312

Re: "Vanguard Hauls in Record"

The forum has undoubtedly been a huge catalyst to Vanguard's growth. I think that would be both claiming too much credit and grossly misunderstanding Vanguard's scale. There are something like 44K registered users including dupes, abandoned accounts, and many who don't invest much if at all in Vang...
by InvestorNewb
Thu Jan 07, 2016 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: VBTLX, where's the upside? [Vanguard Total Bond Market Index]
Replies: 16
Views: 1481

Re: VBTLX, where's the upside?

I thought that when the markets got hammered, VBTLX would work in the other direction. I realize it's up a few cents the last day or two but serious question, where is the upside to this fund? I really wish I could sell my position in this fund and then buy a rental house. Someone with knowledge ex...
by InvestorNewb
Thu Jan 07, 2016 8:18 pm
Forum: Investing - Theory, News & General
Topic: worst first four opening days in HISTORY for S&P 500
Replies: 125
Views: 12945

Re: worst first four opening days in HISTORY for S&P 500

Looking at my spreadsheet, it really sucks to see international and Canada lower than when I first bought the funds in 2012. It's easy to see why people drop out after periods of flat/poor performance.
by InvestorNewb
Thu Jan 07, 2016 9:53 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2692
Views: 534434

Re: U.S. stocks in freefall

Can the US halt trading like China has done?
by InvestorNewb
Wed Jan 06, 2016 8:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Attracts Record Flows in 2015
Replies: 26
Views: 2312

Re: "Vanguard Hauls in Record"

There was a chart in one of the presentations at this year's Bogleheads Conference, showing the huge spike up in assets starting in 2007, leaving Fidelity in the dust. I mentioned that our forum started in 2007 and asked Jack if he thought there was any correlation. He replied that the correlation ...
by InvestorNewb
Wed Jan 06, 2016 8:44 pm
Forum: Investing - Theory, News & General
Topic: Question about individual stocks versus index fund?
Replies: 29
Views: 1231

Re: Question about individual stocks versus index fund?

I own 4 ETFs that contain a collective total of 10,174 stocks.

Be my guest if you want to buy them all individually. :)
by InvestorNewb
Wed Jan 06, 2016 10:23 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2692
Views: 534434

Re: U.S. stocks in freefall

dbCooperAir wrote:Yesterday I was thinking how smart I was getting my 2016 Roth Funded, I Should have waited another day :twisted:

Me too.
by InvestorNewb
Tue Jan 05, 2016 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: When to leave day job
Replies: 38
Views: 4093

Re: When to leave day job

Is it a web business? I was making $200k/year online and am now making almost nothing with that venture. I kept my day drop the entire time thankfully, and still hold one to this day. I am thinking about building a new web site, as I learned a lot in the experience. Google's algorithm can change ove...
by InvestorNewb
Tue Jan 05, 2016 9:08 pm
Forum: Investing - Theory, News & General
Topic: VWO: what a terrible performance!!
Replies: 79
Views: 7559

Re: VWO: what a terrible performance!!

It's called emerging markets for a reason, and is probably one of Vanguard's highest risk funds along with precious metals.

I'm fine with holding VXUS for my international allocation and not over-weighting EM.
by InvestorNewb
Mon Jan 04, 2016 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Lottery - lump sum or annual payout?
Replies: 75
Views: 6049

Re: Lottery - lump sum or annual payout?

Lump sum in case lottery company goes out of business and to take advantage of compound interest early on.
by InvestorNewb
Thu Dec 31, 2015 10:31 am
Forum: Investing - Theory, News & General
Topic: Are any US-only investors having 2nd thoughts?
Replies: 123
Views: 17568

Re: Are any US-only investors having 2nd thoughts?

InvestorNewb wrote:This thread will be revisited at the end of the year.

Here we are at the end of the year and international is down -6.43% YTD. Could Bogle and Buffett be right?
by InvestorNewb
Thu Dec 31, 2015 9:37 am
Forum: Investing - Theory, News & General
Topic: Teaching Family the Bogle Way
Replies: 29
Views: 2684

Re: Teaching Family the Bogle Way

You can lead a horse to water, but you can't make it drink.
by InvestorNewb
Thu Dec 31, 2015 8:47 am
Forum: Investing - Theory, News & General
Topic: Dividend payable dates - brokerage journaling discrepancies
Replies: 4
Views: 414

Re: Dividend payable dates - brokerage journaling discrepancies

I noticed the same thing too.

VTI & VXUS were scheduled to pay dividends on December 28, 2015

I received the dividends for VTI on December 30, 2015.
I received the dividends for VXUS on December 31, 2015 (today).

I'm with Qtrade.
by InvestorNewb
Wed Dec 30, 2015 8:35 pm
Forum: Investing - Theory, News & General
Topic: Volume up quite a bit today with ETFs
Replies: 10
Views: 756

Re: Volume up quite a bit today with ETFs

stratton wrote:Never, ever do a market order. Even on something like SPY. If there is a spike right that second you could get badly burned.

I have been buying ETFs quarterly since 2012 and I have never used a limit order.
by InvestorNewb
Sun Dec 27, 2015 10:31 am
Forum: Investing - Theory, News & General
Topic: Canadian earning in USD. Invest in Vanguard US or Canada?
Replies: 14
Views: 922

Re: Canadian earning in USD. Invest in Vanguard US or Canada?

I am in the same situation as the OP - living in Canada earning USD. Since 2010, I have kept the majority of my dollars in USD. Like another poster suggested, use Norbert's Gambit when you convert USD->CDN. It is the cheapest way to exchange currencies. You can buy Vanguard's ETFs with any online br...
by InvestorNewb
Wed Dec 23, 2015 8:57 pm
Forum: Investing - Theory, News & General
Topic: Part 2 of the perfect storm post, how to increase EXPECTED returns
Replies: 118
Views: 9511

Re: Part 2 of the perfect storm post, how to increase EXPECTED returns

I'm in the camp of "nobody knows nothing." Maybe we'll have 7, 5, or 0% returns. Different forecasters say different things. Models are imperfect and so are we.
by InvestorNewb
Sun Dec 20, 2015 1:06 pm
Forum: Investing - Theory, News & General
Topic: What happened to VXUS December dividend?
Replies: 2
Views: 479

Re: What happened to VXUS December dividend?

The distribution will be $0.34700. Where are you getting your info from?

https://personal.vanguard.com/us/funds/ ... =INT#tab=4
by InvestorNewb
Tue Dec 15, 2015 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford a BMW i8 priced at ~150k?
Replies: 64
Views: 4929

Re: Can I afford a BMW i8 priced at ~150k?

The decision is yours to make. You are asking a frugal crowd who believes in delayed gratification so the answers around here will generally be the same. For me personally, I could never buy a luxury car because I would be too worried about getting it scratched, which of course is inevitable over ti...
by InvestorNewb
Tue Dec 15, 2015 10:08 am
Forum: Investing - Help with Personal Investments
Topic: [Intending to drop international funds]
Replies: 70
Views: 7561

Re: I've been duped by index investing it seems.

International has been a drag; there is no question about that. I try to look at it this way: think about how many shares you are buying "cheaply" when you reinvest the dividends. Over time, they add up. When the index does eventually go up, those re-investments will pay off. I am sticking...
by InvestorNewb
Mon Dec 14, 2015 2:30 pm
Forum: Personal Consumer Issues
Topic: Tipping on Large Catering Order
Replies: 17
Views: 1199

Re: Tipping on Large Catering Order

$20 sounds reasonable. They can't expect you to pay their mortgage.
by InvestorNewb
Sun Dec 13, 2015 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Swapping ETFs
Replies: 2
Views: 319

Swapping ETFs

Hello, I own FTSE Canada Index ETF (VCE) in a tax-free account. About a year after I bought VCE, Vanguard came out with FTSE Canada All Cap Index ETF (VCN) which seems to be a better choice. It is comparable to VTI (all cap) vs. VOO (large cap) for U.S. stocks. My question is: is it worth the switch...
by InvestorNewb
Sun Dec 06, 2015 9:34 am
Forum: Personal Finance (Not Investing)
Topic: A car nicer than the boss?
Replies: 169
Views: 11151

Re: A car nicer than the boss?

I could care less what my coworkers drive.
by InvestorNewb
Wed Dec 02, 2015 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 136
Views: 18103

Re: What age did you hit $100,000?

Interesting chart...kind of crazy that $10 in 1950 is the same as $100,000 today. Did it take 10 years for people to save $10 back then? It would suck to have a few quarters fall out of your pocket and get lost...that's like a years worth of savings. $10 in 1950 is equal to $240.24 today. http://ww...
by InvestorNewb
Sun Nov 29, 2015 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in 100% Stocks?
Replies: 46
Views: 3825

Re: Investing in 100% Stocks?

I hugely regret the fact that we didn't start saving for retirement over a decade ago. But we can only go forward from here. Even if you started saving a decade ago, would it have made that much of a difference? Most 21-25 year old kids are either in school or just starting to work. I started inves...
by InvestorNewb
Sat Nov 14, 2015 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Worst night of my life [personal loan or cash out IRA to pay gambling debt]
Replies: 126
Views: 10937

Re: Worst night of my life [personal loan or cash out IRA to pay gambling debt]

Which game were you playing? My guess is that it would have had to be poker, blackjack, or roulette. Although poker is very social. Surely someone would have noticed you that you were "out of it". Blackjack can be social too. It would be hard to spend $64k on slots unless you were at the $...
by InvestorNewb
Wed Nov 11, 2015 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Good REIT for British, US non-resident?
Replies: 25
Views: 1358

Re: Good REIT for British, US non-resident?

I have almost 20% of my portfolio in REIT (VNQ). My entire tax-deferred account is currently dedicated to it. I realize this it higher than most so with new money I will be buying other total market ETFs. My rationale for doing this was that I wanted to keep my tax-deferred account simple and only i...
by InvestorNewb
Wed Nov 11, 2015 8:09 am
Forum: Personal Consumer Issues
Topic: Trouble Accessing .gov websites
Replies: 15
Views: 1419

Re: Trouble Accessing .gov websites

When in doubt if the site is down for just you or everyone:
http://downforeveryoneorjustme.com/
by InvestorNewb
Mon Nov 02, 2015 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Computershare - Better to sell or hold a single stock
Replies: 8
Views: 684

Re: Computershare - Better to sell or hold a single stock

Does it matter either way? It's 1.85 shares worth $60.

If it was 1.85 shares of BRK.A, then it would be a different story. :D
by InvestorNewb
Fri Oct 23, 2015 3:15 pm
Forum: Investing - Theory, News & General
Topic: Peanut returns [why not try stock picking?]
Replies: 61
Views: 6055

Peanut returns [why not try stock picking?]

When I look at some of the tech stocks, I feel like my indexing strategy is getting peanut returns: Year-to-date: Amazon: 92% Netflix: 104% Goolgle: 38% Me: Slightly down for the year. I've given away some peanuts. Why not invest in the top stocks of well-known companies that are moving the index? B...

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