Search found 130 matches

by JimmyJammy
Sat Feb 10, 2018 5:36 pm
Forum: Investing - Theory, News & General
Topic: Active v. passive during corrections
Replies: 21
Views: 1921

Re: Active v. passive during corrections

I'm active - as in not selling many of my holds, but using SPY puts and trading SDS to make some money from the sell-offs.
by JimmyJammy
Sat Feb 10, 2018 4:47 pm
Forum: Investing - Theory, News & General
Topic: Day trading for a living/career?
Replies: 95
Views: 6640

Re: Day trading for a living/career?

I'll say this - as volatility comes back into the market, it becomes a much better environment for day trading. So I expect the rest of 2018 will be much better for day trading than 2017.

Not saying you should do it.
by JimmyJammy
Thu Feb 08, 2018 7:45 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin in Freefall
Replies: 162
Views: 16697

Re: Bitcoin in Freefall

I wonder why Bitcoin held up so well today. It's still around $8000. I expected to see that it had gone down to $5K
by JimmyJammy
Wed Feb 07, 2018 3:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1265963

Re: U.S. stocks in freefall

Aren't these drops and bouts of volatility useful for determining your asset allocation? I mean, what determines your stock:bond ratio? Isn't it about how much risk you want to tolerate? It seems this recent dip has been a good way to test people's risk tolerance. Or are people determining their rat...
by JimmyJammy
Wed Feb 07, 2018 12:03 am
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 169
Views: 31604

Re: What's your U.S. : International ratio?

Well, Total Stock has certainly trounced Total international over the last 10 year period. So, I guess most people with high international allocations are expecting things to change?
by JimmyJammy
Fri Jan 19, 2018 4:58 pm
Forum: Investing - Theory, News & General
Topic: Nobody Knows Nothing - A Chart
Replies: 26
Views: 4371

Re: Nobody Knows Nothing - A Chart

Looking at the quilt, I'm surprised by how many times REITS have been in the top 3 asset classes.
by JimmyJammy
Fri Jan 19, 2018 4:34 pm
Forum: Investing - Theory, News & General
Topic: What's your one big takeaway from the Crash of 2008?
Replies: 379
Views: 62420

Re: What's your one big takeaway from the Crash of 2008?

My lesson was to pay attention. I started seeing the trouble in early 2008. And I got out of many of my positions. The trouble was deciding when to get back in. I only dipped my toes in, in March 2009. But was pretty tentative over the next couple of years. These days I'm fully invested, but I haven...
by JimmyJammy
Wed Jan 17, 2018 10:59 am
Forum: Investing - Theory, News & General
Topic: Will a bond sell-off be the catalyst for a Major Market Correction?
Replies: 13
Views: 1448

Will a bond sell-off be the catalyst for a Major Market Correction?

I saw this article: http://money.cnn.com/2018/01/16/investing/bonds-market-stocks-inflation/index.html Some scary quotes: - A sell-off in bonds could be "the Armageddon event for this year," Naeem Aslam, chief market analyst for Think Markets UK, wrote in a report Tuesday. - Bill Gross, manager of t...
by JimmyJammy
Sun Jan 07, 2018 1:05 am
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 27185

Re: Hitting The Sell Button

I'm 41 and 90/10. Unfortunately, I have not been sleeping well at night lately as I've been seeing and hearing signs of stock market euphoria all around me. Everyone at work is crazy about Bitcoin. Friends and family who haven't been investing much in the stock market for the last ten years are aski...
by JimmyJammy
Fri Dec 15, 2017 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with T. Rowe Price funds
Replies: 16
Views: 1304

Re: What to do with T. Rowe Price funds

By the way, TD Ameritrade offers most of the T Rowe Price funds with NO transaction fees. I have them in my 401(k) there.
by JimmyJammy
Fri Dec 15, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: planning for 2018
Replies: 2
Views: 438

Re: planning for 2018

Someone on here posted Vanguard's outlook for the next decade. It suggested that a higher international allocation than 15% would be prudent. Also, Goldman Sacks released their outlook for 2018. They suggest giving heavier weight to emerging markets. So far, I'm going 20% International Developed and...
by JimmyJammy
Fri Dec 15, 2017 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with T. Rowe Price funds
Replies: 16
Views: 1304

Re: What to do with T. Rowe Price funds

I love T. Rowe Price funds.

I have 4, and they've outperformed their indexes to a significant degree over the past decade.
by JimmyJammy
Thu Dec 14, 2017 4:42 pm
Forum: Investing - Theory, News & General
Topic: Is the Tax bill going to force First In First Out or not?
Replies: 5
Views: 829

Is the Tax bill going to force First In First Out or not?

If the tax bill goes ahead with this FIFO provision, that's going to be a capital gains tax headache for many (though not the buy and holders). Does anyone know which way it's going to go? I think the House version of the bill did not have the provision, right? http://www.investmentnews.com/article/...
by JimmyJammy
Thu Dec 14, 2017 4:20 pm
Forum: Investing - Theory, News & General
Topic: Just not getting it [Stock Picking versus TSM]
Replies: 98
Views: 14457

Re: Just not getting it

This is an important topic. Great discussion. I suffer from a mild addiction to individual stocks and I want to break it because it takes up too much of my time. 25% of my portfolio is in individual names. But, if you're going to bet on individuals, I recommend keeping track of your performance with...
by JimmyJammy
Thu Dec 14, 2017 11:22 am
Forum: Investing - Theory, News & General
Topic: Any of you trade just a little as a hobby?
Replies: 64
Views: 6249

Re: Any of you trade just a little as a hobby?

Starting near the recession lows, I developed a semi-addiction to stock trading. It was not a terrible time to do so, since you could get a big win by throwing a dart at a board of stocks. My biggest problem was getting freaked out by my wins. When stock would double or quadruple, I'd sell it, but t...
by JimmyJammy
Wed Dec 13, 2017 3:41 pm
Forum: Investing - Theory, News & General
Topic: Should I get out of New York Long Term Tax Exempt (Munis) ?
Replies: 7
Views: 926

Re: Should I get out of New York Long Term Tax Exempt (Munis) ?

Ok, thanks. I'll look into that Limited Term tax Exempt .
by JimmyJammy
Wed Dec 13, 2017 2:57 pm
Forum: Investing - Theory, News & General
Topic: Should I get out of New York Long Term Tax Exempt (Munis) ?
Replies: 7
Views: 926

Should I get out of New York Long Term Tax Exempt (Munis) ?

In my taxable account, my bonds are mostly held in Vanguard's Intermediate Term Tax Exempt (National munis) and Vanguard's New York Long Term Tax Exempt (NY munis). http://www.morningstar.com/funds/XNAS/VNYTX/quote.html Should I get out of the New York Tax Exempt Long Term? With interest rate risk a...
by JimmyJammy
Fri Dec 08, 2017 11:28 am
Forum: Investing - Theory, News & General
Topic: Vanguard's International Growth / Value / Explorer funds
Replies: 4
Views: 792

Vanguard's International Growth / Value / Explorer funds

What do you think of Vanguard's International Growth, Value, and Explorer funds?

Growth: VWIGX

Value: VTRIX

Explorer: VINEX

Have you considered juicing your portfolio beyond Total International with one or more of these funds?
by JimmyJammy
Fri Dec 08, 2017 11:25 am
Forum: Investing - Theory, News & General
Topic: Vanguard economic and market outlook for 2018
Replies: 33
Views: 3678

Re: Vanguard economic and market outlook for 2018

Thanks for that info.

Maybe I should add CRED to my bond world. I simply have AGG to cover all bonds. And a big chunk in municipal bonds.
by JimmyJammy
Fri Dec 08, 2017 10:28 am
Forum: Investing - Theory, News & General
Topic: Vanguard economic and market outlook for 2018
Replies: 33
Views: 3678

Re: Vanguard economic and market outlook for 2018

Question: What are "US Credit Bonds" versus "Us Bonds" ?
by JimmyJammy
Fri Dec 08, 2017 10:25 am
Forum: Investing - Theory, News & General
Topic: Vanguard economic and market outlook for 2018
Replies: 33
Views: 3678

Re: Vanguard economic and market outlook for 2018

The first chart you posted asserts that non-US equities will not only have higher 10 year return expectations than US equities, but the volatility will be lower.

So, perhaps it's time to give international equities a greater allocation. I have only 15% international. I've been meaning to increase.
by JimmyJammy
Wed Dec 06, 2017 1:38 pm
Forum: Investing - Theory, News & General
Topic: Podcasts for Bogleheads?
Replies: 26
Views: 4324

Re: Podcasts for Bogleheads?

I like THE DISCIPLINED INVESTOR podcast.

http://thedisciplinedinvestor.com/blog/podcast-summary/
by JimmyJammy
Wed Dec 06, 2017 1:37 pm
Forum: Investing - Theory, News & General
Topic: What happened to municipal bonds around 1980?
Replies: 10
Views: 2154

Re: What happened to municipal bonds around 1980?

I'm glad you asked this question. 90% of my bonds in my taxable account are Intermediate National munis and Long Term NYC munis. I've been feeling a little over-exposed there.
But at least my 401k has a normal bond fund (AGG) to help balance things out.
by JimmyJammy
Wed Dec 06, 2017 1:29 pm
Forum: Investing - Theory, News & General
Topic: Choosing a 401k provider
Replies: 10
Views: 1278

Re: Choosing a 401k provider

I've had a great experience at TD Ameritrade. I love the number of options available. I recently moved there from T Rowe Price (which is also very good) in order to have access to cheaper bond funds.
by JimmyJammy
Wed Dec 06, 2017 1:27 pm
Forum: Investing - Theory, News & General
Topic: Amount You Need To Save Annually Over Lifespan
Replies: 80
Views: 9357

Re: Amount You Need To Save Annually Over Lifespan

For me, and for a lot of people, the biggest unknown factor is health care costs. What diseases will I get? How much will treatment cost? Such costs could eat into your nest egg in a big way. (And this is why ALL Americans need health care to help mitigate this risk) So, I think it's important to in...
by JimmyJammy
Tue Nov 14, 2017 3:42 pm
Forum: Investing - Theory, News & General
Topic: GE and the myth of "safe blue-chip stocks"
Replies: 123
Views: 15423

Re: GE and the myth of "safe blue-chip stocks"

GE was the top performing stock in my ROTH IRA until this year.

There's no tax advantage to selling it.

But, I wonder if I should just move on anyway. A ship that big takes awhile to turn around.
by JimmyJammy
Sun Sep 17, 2017 9:18 am
Forum: Investing - Theory, News & General
Topic: International Equity: Are managed funds better than Index funds?
Replies: 35
Views: 2624

Re: International Equity: Are managed funds better than Index funds?

By coincidence, Morningstar just put out an article about Vanguard's Total International fund: http://news.morningstar.com/articlenet/article.aspx?id=825361 I like Morningstar's screeners. I just put in the following search criteria: Brokerage: TD Ameritrade Retail Fund Category: Foreign Large Blend...
by JimmyJammy
Sat Sep 16, 2017 8:20 pm
Forum: Investing - Theory, News & General
Topic: International Equity: Are managed funds better than Index funds?
Replies: 35
Views: 2624

Re: International Equity: Are managed funds better than Index funds?

So is Morningstar just a useless company making money on people's ignorance, in the opinion of the Bogleheads?
by JimmyJammy
Sat Sep 16, 2017 4:51 pm
Forum: Investing - Theory, News & General
Topic: International Equity: Are managed funds better than Index funds?
Replies: 35
Views: 2624

International Equity: Are managed funds better than Index funds?

I've been using mutual fund screeners on Morningstar and reading about ETFS there as well. I haven't been impressed with Vanguard's basic International index funds (VEA, VEU) and neither has Morningstar. Sure they're cheap. But, the performance and quality of management of some mutual funds seem ver...
by JimmyJammy
Sat Aug 12, 2017 1:47 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 7582

Re: What Percentage CASH are you?

Most of my "cash" is in the Vanguard Prime Money Market Fund - A SEC yield of 1.1% isn't terrible right? Someone in this thread mentioned the Vanguard Short-Term Treasury Fund - I think that's yielding 1.24%. So I guess that's a better option for me without much extra risk? The problem with CDs is t...
by JimmyJammy
Fri Aug 11, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 7582

Re: What Percentage CASH are you?

Are Vanguard's brokered CDs worth checking out?

And, if they're not competitive, then why do they even bother selling them?
by JimmyJammy
Thu Aug 10, 2017 11:43 am
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 7582

What Percentage CASH are you?

I'm curious what percentage of assets people hold in cash? Also, if you didn't haven it in cash, where would you put it? Personally, I'm 12% Cash right now. Maybe this is dumb, especially with the dollar falling. Feel free to let me know. But, I do like the feeling of having some "dry powder" especi...
by JimmyJammy
Wed Aug 09, 2017 4:11 pm
Forum: Investing - Theory, News & General
Topic: Alternatives to the Vanguard Total International Fund?
Replies: 33
Views: 4266

Re: Alternatives to the Vanguard Total International Fund?

Thanks for the recs. Wow - sounds like you have a larger international exposure than most.

Yes, if you don't mind, I'd like to know about some passive (ETF) options that are interesting Vanguard alternatives.
by JimmyJammy
Wed Aug 09, 2017 3:45 pm
Forum: Investing - Theory, News & General
Topic: Alternatives to the Vanguard Total International Fund?
Replies: 33
Views: 4266

Re: Alternatives to the Vanguard Total International Fund?

Thanks for all the advice and food for thought. Hopefully, this thread will be helpful to others as well. I think you've convinced me to put a little more faith into the index funds over these (albeit wonderfully managed) mutual funds. Fortunately, most of my managed funds are in my 401K so making c...
by JimmyJammy
Wed Aug 09, 2017 3:26 pm
Forum: Investing - Theory, News & General
Topic: Factor crowding
Replies: 19
Views: 1843

Re: Factor crowding

But what about backtesting a mutual fund manager's performance? I think there's some merit there. If a mutual fund manager has done well for 15+ years and the fund has vastly outperformed the index, then a lot of funds look like a good bet to me. For example, I've owned a few T.Rowe Price funds (exp...
by JimmyJammy
Wed Aug 09, 2017 3:16 pm
Forum: Investing - Theory, News & General
Topic: Good article about having the "RIGHT" asset allocation
Replies: 27
Views: 3993

Re: Good article about having the "RIGHT" asset allocation

I wish I had listened to folks on this board who encouraged me lump sum invest my money, back in 2012/2013. Instead, feeling scared, I dribbled in a bit at a time. Oh well. But, now, I still have money on the sidelines. 12% in cash. And the dollar's been dropping. Maybe I should do what that WSJ art...
by JimmyJammy
Wed Aug 09, 2017 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Did I mess up? Transferred some of bro's trust money into his Roth IRA
Replies: 4
Views: 894

Re: Did I mess up? Transferred some of bro's trust money into his Roth IRA

Sorry, I meant to come back here sooner.

The trust is its own taxpayer.

Yes, he does have earned income of at least $5500.

Yes, the K-1 is kind of pointless IF there are no distributions.

But that's my question - have my $5500 transfers into his Roth IRA been distributions?
by JimmyJammy
Sun Jul 30, 2017 4:01 pm
Forum: Investing - Theory, News & General
Topic: Alternatives to the Vanguard Total International Fund?
Replies: 33
Views: 4266

Re: Alternatives to the Vanguard Total International Fund?

I'm got the performance data off of Yahoo.com/finance. I'm guessing they don't include dividends. But maybe it does?

But do you know of a performance tracker that does include dividend reinvestment? Morningstar?
by JimmyJammy
Sun Jul 30, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate your retirement number
Replies: 95
Views: 10434

Re: How to calculate your retirement number

Check out OnTrajectory.com

They make it easy to plot out all of this.

No, I don't work for them. Just a happy customer.
by JimmyJammy
Sun Jul 30, 2017 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Should i diversify from Vanguard?
Replies: 25
Views: 2345

Re: Should i diversify from Vanguard?

Consider T. Rowe Price. I've been using them for my 401K money for 11-12 years. Great managers, great performance. Funds I hold: PRGTX - global tech PRHSX - health PRWCX (this is a blended fund - includes bonds - which has not beat a pure stock index) I know it's been a bull market, but the bull has...
by JimmyJammy
Sun Jul 30, 2017 3:42 pm
Forum: Investing - Theory, News & General
Topic: Alternatives to the Vanguard Total International Fund?
Replies: 33
Views: 4266

Re: Alternatives to the Vanguard Total International Fund?

You're right. I am chasing performance. And I guess this butts up against the Boglehead philosophy. But, 10 years from now, when I see that certain managed mutual funds that specialize in international stocks have continued to trounce VXUS as they have these past 10 years don't you think I'm going t...
by JimmyJammy
Sun Jul 30, 2017 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Did I mess up? Transferred some of bro's trust money into his Roth IRA
Replies: 4
Views: 894

Did I mess up? Transferred some of bro's trust money into his Roth IRA

Hi, Something just occurred to me while looking over my brother's investments, which I manage at Vanguard. We (my sister and I) set up a trust for him a few years back, so he wouldn't spend the money (a gift from granny) willy nilly (the reasons are a different story). And I manage that at Vanguard....
by JimmyJammy
Wed Jul 26, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: VNQ allocation [Vanguard REIT Index]
Replies: 20
Views: 1796

Re: VNQ allocation

I wonder how much VNQ will be affected once the Fed raises rates more aggressively. But they're certainly in no rush.
by JimmyJammy
Tue Jul 25, 2017 10:51 pm
Forum: Investing - Theory, News & General
Topic: International bond fund foreign tax?
Replies: 7
Views: 608

Re: International bond fund foreign tax?

I dunno.

But I'm curious - do you get these taxes even if you hold these bonds in a tax-protected account like a Roth IRA?
by JimmyJammy
Tue Jul 25, 2017 10:51 pm
Forum: Investing - Theory, News & General
Topic: International bond fund foreign tax?
Replies: 7
Views: 608

Re: International bond fund foreign tax?

I dunno.

But I'm curious - do you get these taxes even if you hold these bonds in a tax-protected account like a Roth IRA?
by JimmyJammy
Mon Jul 24, 2017 11:37 pm
Forum: Investing - Theory, News & General
Topic: Alternatives to the Vanguard Total International Fund?
Replies: 33
Views: 4266

Alternatives to the Vanguard Total International Fund?

Hi, Does anyone have any recommendations for an International equity mutual fund that could be a core international holding? Is there anything at Vanguard that's an alternative to Total International? My other brokerage is TD Ameritrade. I'd just to like to consider other options. Can I say that I'v...
by JimmyJammy
Mon Jan 23, 2017 5:07 pm
Forum: Investing - Theory, News & General
Topic: Managed fund alternative to Total International?
Replies: 7
Views: 751

Re: Managed fund alternative to Total International?

This Morning star article is exactly what you are looking for, the 2016 nominees for best international stock fund. http://news.morningstar.com/articlenet/article.aspx?id=788118 Looks like the only fund of the 3 not closed to new investors is OAKIX. From the comments, others recommend FMIJX. Many c...
by JimmyJammy
Mon Jan 23, 2017 1:39 pm
Forum: Investing - Theory, News & General
Topic: Managed fund alternative to Total International?
Replies: 7
Views: 751

Managed fund alternative to Total International?

I know most managers can't beat an index, as the Bogleheads often point out, but there are some talented managers out there who helm reasonably-priced, high-performing funds. For my international exposure, I can't say that VXUS (Total International) excites me that much. I'd like to consider some in...