Search found 4316 matches

by Noobvestor
Sat Aug 20, 2016 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market (Settlement fund) - quick question
Replies: 13
Views: 2430

Re: Vanguard Prime Money Market (Settlement fund) - quick question

I feel like I don't get the point of this change (as a default, sure, but why force it when I can manually move the funds at any time?). I'm half-tempted to just move money (1-2% of portfolio at any given time) from the Federal to the Prime manually to get the higher rate, but am too lazy for that ...
by Noobvestor
Sat Aug 20, 2016 7:03 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on International Investing at Bogleheads 11
Replies: 63
Views: 8384

Re: Jack Bogle on International Investing at Bogleheads 11

What efficient market theory tells us is that knowing that the US has better governance than say Argentina, doesn't tell us which stock market will outperform *from the current valuation*. You are paying 2-3x as much for $1.00 of US earnings (even if earned by a Latin American subsidiary) as you ar...
by Noobvestor
Sat Aug 20, 2016 6:47 pm
Forum: Personal Consumer Issues
Topic: The True Cost of Owning a Dog
Replies: 105
Views: 7346

Re: The True Cost of Owning a Dog

For us part of the hidden cost has been not just the explicit pet fee but the limited options for finding housing with a dog in the first place. When looking for apartments in a new city not long ago, we had to cross out between 80 and 90 percent of listings because dogs weren't allowed in general o...
by Noobvestor
Sat Aug 20, 2016 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) w/Match + Small Biz SEP IRA = ?
Replies: 5
Views: 298

Re: 401(k) w/Match + Small Biz SEP IRA = ?

Right, to clarify: the SEP contributions I make are all employer contributions (I'm 98% sure of this). I should mention the LLC has no employees so nothing to add complexity/cost on that front. So far it sounds like I'll be able to contribute $18K to the 401(k) + whatever I would normally contribute...
by Noobvestor
Sat Aug 20, 2016 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) w/Match + Small Biz SEP IRA = ?
Replies: 5
Views: 298

401(k) w/Match + Small Biz SEP IRA = ?

Simplified scenario: I have an SEP IRA for a business (single-member LLC) that earns $100,000/year. Each year I max this out. I also have a new job with a 401(k) where I earn $100,000/year (the 401(k) options are fine - solid core Vanguard funds.) The job matches 100% of first 3%, 50% of next 2% (so...
by Noobvestor
Mon Aug 15, 2016 12:11 am
Forum: Investing - Help with Personal Investments
Topic: Is Warren Buffet Right About The S&P 500?
Replies: 34
Views: 5757

Re: Is Warren Buffet Right About The S&P 500?

It could do fine ... but why risk it? There are international stocks and bonds out there. If the US market does horribly for a while (see: 2000 to 2010) you could be drawing down without any recuperation and really suffer for it. There's no reason to take those market/stock-specific risks. Will it w...
by Noobvestor
Mon Aug 15, 2016 12:07 am
Forum: Investing - Theory, News & General
Topic: What CAGR to use
Replies: 6
Views: 594

Re: What CAGR to use

Remember to account for taxes. As for rules of thumb: it used to be 4% SWR, these days without lower rates/dividends 3% is more typical. Impossible to say - best if you can be flexible and nothing is certain.
by Noobvestor
Mon Aug 15, 2016 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 262
Views: 29472

Re: Self-made Millionaires: how did hitting 7 figures change you?

I hit it all at once (from relatively little), and it was a pleasant shock ... but it wears off. The reality is that 3% of 1MM isn't that much if you have people to support. So it's great as a theoretical baseline, but it doesn't mean you can stop working for more (in most cases). So ... I don't kno...
by Noobvestor
Mon Aug 15, 2016 12:01 am
Forum: Investing - Help with Personal Investments
Topic: Time to sell VTIAX
Replies: 10
Views: 1393

Re: Time to sell VTIAX

Indexes are different. If they track slightly different contents, that's just part of the game. The differences you're citing aren't huge in the grand scheme - unless you have solid reasons to think they are way off base in what they include (or don't) in the index I suggest staying the course.
by Noobvestor
Sun Aug 14, 2016 11:52 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on International Investing at Bogleheads 11
Replies: 63
Views: 8384

Re: Jack Bogle on International Investing at Bogleheads 11

I can think of a lot of reasons why one would prefer to invest only in the US.The US has been blessed with so many advantages in terms of location natural resources,waterways for shipping and diversity of people,combined with so many wanting to move and work here.No country in the world has these a...
by Noobvestor
Sun Aug 14, 2016 11:47 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on International Investing at Bogleheads 11
Replies: 63
Views: 8384

Re: Jack Bogle on International Investing at Bogleheads 11

To me it's got nothing to do with the innate superiority of the US. Your subsequent questions suggest otherwise. Some pertinent questions: Is it desirable to decouple your investing prospects from the US economy? Why expose yourself to extraneous risks in the hopes of gaining an edge over other US ...
by Noobvestor
Sun Aug 14, 2016 11:39 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on International Investing at Bogleheads 11
Replies: 63
Views: 8384

Re: Jack Bogle on International Investing at Bogleheads 11

I think there are some advantages to certain economic systems versus others and these may or may not be reflected in stock prices. I think the assumption that they are reflected in stock prices like the US, UK or other Anglo-Dutch market systems is a large assumption and based upon the assumption t...
by Noobvestor
Fri Jul 01, 2016 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: 3% Matching Per Year via Employer at Vanguard
Replies: 7
Views: 814

Re: 3% Matching Per Year via Employer at Vanguard

niceguy7376 wrote:I might be wrong but i assume the employer dictates how they pay the match.
In most cases, it is the match per each paycheck that the employee contributes to the 401k.


OK, so it sounds like Option B is what should be expected/typical - I'll pass it along. Thanks!
by Noobvestor
Fri Jul 01, 2016 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: 3% Matching Per Year via Employer at Vanguard
Replies: 7
Views: 814

3% Matching Per Year via Employer at Vanguard

I have a friend who is working at a small company that is just starting to offer 401(k) and matching this year through Vanguard. Employer said back in January/Feburary there would be a 3% match, but hasn't set things up yet with Vanguard. Assuming the employer sets things up this fiscal year, would ...
by Noobvestor
Thu May 19, 2016 10:55 am
Forum: Personal Consumer Issues
Topic: Side hustle: blog/podcasting
Replies: 12
Views: 1677

Re: Side hustle: blog/podcasting

Blogging : . Beyond the very basics (buying a domain, finding a CMS and theme, following the lead of other sites) you need to do your own legwork more in depth. Ignore any/all Google-generated results for how to start a blog. Tough, right? But really, people who blog about blogging are literally ma...
by Noobvestor
Sun Apr 24, 2016 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: How would you recommend I invest $500k to generate maximum monthly income with relatively low risk?
Replies: 24
Views: 3975

Re: How would you recommend I invest $500k to generate maximum monthly income with relatively low risk?

I would like to know what is the maximum income possible without taking too much risk (i.e not loose more than 5%-10% of the principal) Approximately zero (maybe slightly less than zero). In terms of how I arrived at that: I'm thinking a TIPS fund would have a 5-10% risk of principle loss, more or ...
by Noobvestor
Wed Apr 06, 2016 2:54 am
Forum: Investing - Help with Personal Investments
Topic: Advice needed: Low maintenance way to funnel lump sum into tax-advantaged accounts over time
Replies: 9
Views: 1231

Re: Advice needed: Low maintenance way to funnel lump sum into tax-advantaged accounts over time

Just wanted to add that she could get up to $20,000 a year in effectively-tax-advantaged space by maxing out annual allocations to Series I and Series EE bonds (10K limit for each type per year). They are safe government bonds, and, in a nutshell: (1) I Bonds will track inflation, like TIPS, (2) EE ...
by Noobvestor
Wed Apr 06, 2016 2:27 am
Forum: Investing - Theory, News & General
Topic: Mr. Bogle and Global Corruption Crackdown
Replies: 32
Views: 4635

Re: Mr. Bogle and Global Corruption Crackdown

Issues such as corruption, currency risk, shareholder protections, economic growth, etc. are widely known. I would think market prices would take these into account. If so, unless you are better at judging the effects of these than the market, avoiding non-US stocks leaves you less diversified than...
by Noobvestor
Fri Mar 25, 2016 3:26 am
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 500
Views: 114194

Re: Rick Ferri looking to internationalize his portfolio

EM' is up 20% since mid-January. Missed opportunity!?
by Noobvestor
Sat Jan 30, 2016 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Help me select portfolio in volatile times (35 yo self-employed)
Replies: 15
Views: 1140

Re: Help me select portfolio in volatile times (35 yo self-employed)

You are losing money to your loans - not sure of their rates, but that's some guaranteed return to look at. Your house plans seem ambitious, depending on the status of your S-Corp and its stability. Why the rush to buy? I'm guessing you're Bay Area? Even there, though, you can get places cheaper tha...
by Noobvestor
Sat Jan 30, 2016 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to create a permanent portfolio without gold [Canada]
Replies: 5
Views: 485

Re: Trying to create a permanent portfolio without gold [Canada]

If you want to prepare for inflation, why not inflation-protected securities? If you want to hedge inflation/deflation scenarios, TIPS and long-term safe government bonds might be the pair you are looking for. Also, your non-CAD exposure seems extremely high - your outcomes may be strongly impacted ...
by Noobvestor
Wed Jan 27, 2016 2:47 am
Forum: Investing - Theory, News & General
Topic: International investing
Replies: 20
Views: 2862

Re: International investing

Oh whoops my bad ... I think was looking at the wrong date range or line on the chart. From 2000 to 2010 US was negative a few percent and international was up about 25%, and emerging was up a whopping 150%. Anyway, point remains: winners rotate. Callahan Periodic Table and all that jazz.
by Noobvestor
Mon Jan 25, 2016 2:40 am
Forum: Investing - Help with Personal Investments
Topic: Building a portfolio... Hedged or not? [Canada]
Replies: 8
Views: 643

Re: Building a portfolio... Hedged or not? [Canada]

Generally unhedged but ... if you're tilting heavily away from CA (say, a more global market weight portfolio), you may want to be hedged. Or if you have a lot of domestic bonds, that reduces the need to hedge. I've invented an arbitrary rule of thumb that half of one's portfolio or more should be ...
by Noobvestor
Mon Jan 25, 2016 2:34 am
Forum: Investing - Theory, News & General
Topic: International investing
Replies: 20
Views: 2862

Re: International investing

I would say if something hasn't for a 15 year period, why not ask . Some people are immune from being criticized. By the way I do have 10% in VEU and am debating on going to 15%. Totally! I mean in that 10-year period from 2000 to 2010 in which domestic stocks returned 0% and international returned...
by Noobvestor
Mon Jan 25, 2016 2:30 am
Forum: Investing - Help with Personal Investments
Topic: I Bonds
Replies: 27
Views: 3251

Re: I Bonds

I love the idea of I-Bonds, but I refuse to hold one penny at Treasury Direct, the worst customer service experience I have ever encountered, staring with its website, and down from there. STARTING with the website?! I've literally never once had to deal with a human BEYOND the website. I created a...
by Noobvestor
Sun Jan 24, 2016 12:17 am
Forum: Investing - Help with Personal Investments
Topic: 30 YO with 100K looking for investment advise - and a Shocking Chart
Replies: 25
Views: 2363

Re: 30 YO with 100K looking for investment advise - and a Shocking Chart

I have read all the answers. I am willing to take a step back and re-strategize - at least for this $100K. So can someone guide me as to how I should allocate and invest this $100K. I will honestly appreciate it. Which Vanguard index funds or mutual funds should I buy? Thank you. Vanguard Total Sto...
by Noobvestor
Sat Jan 23, 2016 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: who is buying or selling ??
Replies: 27
Views: 2263

Re: who is buying or selling ??

Selling bonds, buying stocks. Managed to catch close to a bottom last week, at least for now. Maybe I'll catch a NEW bottom NEXT week! :moneybag
by Noobvestor
Sat Jan 23, 2016 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: Investing inheritance
Replies: 7
Views: 1217

Re: Investing inheritance

Welcome to the forum! Your international allocation looks dismally low. Stock allocation overall seems a bit high. 1) You don't need bonds in Roth. Treat it all as one big portfolio. 2) Not sure about the restrictions/laws on that 3) Lump sum is better. If you can't put it in as a lump sum, perhaps ...
by Noobvestor
Sat Jan 23, 2016 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: 30 YO with 100K looking for investment advise - and a Shocking Chart
Replies: 25
Views: 2363

Re: 30 YO with 100K looking for investment advise - and a Shocking Chart

I don't mean anything by this and it's simply a question out of curiosity. That sounds like it could be a Jim Cramer portfolio...is that what you've been doing to this point, following Mr. Cramer? No - I don't follow any of the tools at CNBC. I would throw darts rather than following Cramer. I did ...
by Noobvestor
Sat Jan 23, 2016 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: I Bonds
Replies: 27
Views: 3251

Re: I Bonds

1) Tax-deferred in a way that's more flexible than at least some retirement account types - cash out anytime over 30 years, including in a year where you have reduced income. 2) State tax exempt 3) Keeps up with inflation, which you have to buy at least intermediate-term TIPS to do otherwise/general...
by Noobvestor
Sat Jan 23, 2016 11:32 pm
Forum: Investing - Help with Personal Investments
Topic: Building a portfolio... Hedged or not? [Canada]
Replies: 8
Views: 643

Re: Building a portfolio... Hedged or not? [Canada]

Generally unhedged but ... if you're tilting heavily away from CA (say, a more global market weight portfolio), you may want to be hedged. Or if you have a lot of domestic bonds, that reduces the need to hedge. I've invented an arbitrary rule of thumb that half of one's portfolio or more should be d...
by Noobvestor
Sat Jan 23, 2016 11:26 pm
Forum: Investing - Theory, News & General
Topic: Lending Club - Thoughts?
Replies: 27
Views: 3320

Re: Lending Club - Thoughts?

My brother created an algo to trade LC notes right as they come out based on set criteria. He is finding there are players trading even faster than he is. So what is left for the individual investor to choose from? The ones the presumably fancy/smart algos leave behind. So in a way, it's getting to ...
by Noobvestor
Sat Jan 23, 2016 11:21 pm
Forum: Investing - Theory, News & General
Topic: International investing
Replies: 20
Views: 2862

Re: International investing

Ah, so you think Jack Bogle was 'right' in predicting higher returns for the US? Or did he predict that at all? Allow me to relate to you Jack's thoughts on the matter from Bogleheads 11, which I attended and where I took notes: he said if he were asked what would win over any-given next-ten-years p...
by Noobvestor
Sat Jan 23, 2016 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: 30 YO with 100K looking for investment advise - and a Shocking Chart
Replies: 25
Views: 2363

Re: 30 YO with 100K looking for investment advise - and a Shocking Chart

These are below subpar returns. Actually, these are precisely 'par' returns - the market in aggregate is what the index tracks. So some people did better, some did worse, but the index got the AVERAGE of all of that activity, plus some bonus for being cost- and tax-efficient. So if what you did was...
by Noobvestor
Fri Jan 22, 2016 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Moving ROTH IRA from Fidelity to Vangaurd
Replies: 17
Views: 1676

Re: Moving ROTH IRA from Fidelity to Vangaurd

*BUMP* Seems too small an issue to open up a separate thread ;)
by Noobvestor
Thu Jan 21, 2016 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Moving ROTH IRA from Fidelity to Vangaurd
Replies: 17
Views: 1676

Re: Moving ROTH IRA from Fidelity to Vangaurd

So question (from someone about to move Roth IRA from Fido to Vanguard): should I put $50 in cash somewhere in the account, or will they take it from a connected bank account, or must they take it out of the Roth itself (50 less bucks growing tax-free forever!)?
by Noobvestor
Sun Jan 17, 2016 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for changing AA to reduce risk exposure for large taxable portfolio?
Replies: 21
Views: 1288

Re: Advice for changing AA to reduce risk exposure for large taxable portfolio?

A few things: 1) The change you propose tilts them heavily toward international stocks. This is probably not a good idea. 2) Selling a fund (versus selling a type of stock) at a loss isn't bad if you want to stock up on losses and switch to something similar-but-different (basically tax loss harvest...
by Noobvestor
Sun Jan 17, 2016 2:36 am
Forum: Investing - Theory, News & General
Topic: It sure looks like a good time to invest in oil
Replies: 111
Views: 13847

Re: It sure looks like a good time to invest in oil

If I thought it was feasible (guessing it's not, but haven't researched it) I'd stockpile oil in ... I dunno, barrels? A truck? In its refined form (gasoline) most likely - hedging future expenses.
by Noobvestor
Fri Jan 15, 2016 11:18 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 201
Views: 29215

Re: I'm Calling an Emerging Markets Bottom

Well, I dunno about a bottom, but I took 30K in bonds/cash today and moved it over into stocks, emerging first and foremost. We'll see. I'm not counting on it turning around or anything like that, but I'll rebalance all the way down. :moneybag :moneybag :moneybag :moneybag :moneybag :shock: :!:
by Noobvestor
Fri Jan 08, 2016 2:05 am
Forum: Investing - Theory, News & General
Topic: worst first four opening days in HISTORY for S&P 500
Replies: 125
Views: 14512

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

Personally, I love it when stocks go down. It's the part of the roller coaster where everybody screams..
by Noobvestor
Mon Jan 04, 2016 2:02 pm
Forum: Investing - Theory, News & General
Topic: At what age did you stop reinvesting dividends?
Replies: 45
Views: 5030

Re: At what age did you stop reinvesting dividends?

Early 30s ... when I realized it simplified tax tracking and tax loss harvesting, and made it easier to rebalance, treating any money temporarily dumped into a money market account as a 'cash' (zero-duration bond) portion of my fixed-income allocation. I know that's not your question exactly, but if...
by Noobvestor
Wed Dec 30, 2015 4:37 pm
Forum: Personal Consumer Issues
Topic: Domain registration service and wordpress blog?
Replies: 16
Views: 898

Re: Domain registration service and wordpress blog?

I've used Wordpress extensively since about 2006. I've hosted own sites using Wordpress.org and I've used Wordpress.com. If what you really want to do is blog: I highly recommend you consider using the free version of Wordpress.com, then just pay $13 a year for the domain mapping service. The blog ...
by Noobvestor
Wed Dec 30, 2015 2:35 pm
Forum: Personal Consumer Issues
Topic: Domain registration service and wordpress blog?
Replies: 16
Views: 898

Re: Domain registration service and wordpress blog?

I know this has been discussed before, but most of the threads are quite old. I was wondering if there are new suggestions. I am thinking of starting to blog, and an excellent domain name is currently available. I am looking for recommendations on which domain registration service to use. I am look...
by Noobvestor
Wed Dec 30, 2015 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation & Logistics: Living/Working Between Two States
Replies: 2
Views: 272

Taxation & Logistics: Living/Working Between Two States

I own a residence in Minnesota and have a few LLCs domiciled here under which I run a pair of (small) businesses (no employees, only a few remote contractors). As of a few months ago, I have also been out in California, renting an apartment and working as a contractor for another (small) company (le...
by Noobvestor
Sun Dec 20, 2015 3:17 am
Forum: Personal Finance (Not Investing)
Topic: For those of you who max out their 401k & Roth...
Replies: 30
Views: 3492

Re: For those of you who max out their 401k & Roth...

EE Bonds and I Bonds - 20K/person/year goes a long way. EE will double in 20. I Bonds are a good deal (versus TIPS) and can be tax-deferred for up to 30 years.
by Noobvestor
Tue Dec 15, 2015 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Self-employed SEP IRA + Employer 401(k)?
Replies: 11
Views: 861

Re: Self-employed SEP IRA + Employer 401(k)?

Ah yes, was thinking of employer contributions. D'oh.
by Noobvestor
Tue Dec 15, 2015 3:15 pm
Forum: Investing - Theory, News & General
Topic: Bond Fund Duration is very misleading
Replies: 27
Views: 2097

Re: Bond Fund Duration is very misleading

Credit quality may also complicate comparisons of these two funds. Though they've gotten a bit closer (and are both mostly AA) since I last looked a while back, intermediate has 20% AAA and long-term has only 10% AAA.
by Noobvestor
Mon Dec 14, 2015 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Self-employed SEP IRA + Employer 401(k)?
Replies: 11
Views: 861

Re: Self-employed SEP IRA + Employer 401(k)?

I'm still not sure I understand the Roth portion, but I reread the Wiki and am going to take a stab at that, too (butchering likely to follow): Basically, the advantage of moving IRA assets to a 401(k) would be so that I could then 'restart' the IRA with mostly non-deductible contributions, then con...
by Noobvestor
Mon Dec 14, 2015 12:16 am
Forum: Investing - Help with Personal Investments
Topic: Self-employed SEP IRA + Employer 401(k)?
Replies: 11
Views: 861

Re: Self-employed SEP IRA + Employer 401(k)?

I knew I could count on ya, Bogleheads! Thanks! Let me see if I'm on the right track: @desiderium if I'm understanding correctly switching from SEP IRA to a Solo 401(k) on my business side would be a terrible idea (entirely useless), since its limit would 'overlap' the limit of the new-employer-base...
by Noobvestor
Sun Dec 13, 2015 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: Self-employed SEP IRA + Employer 401(k)?
Replies: 11
Views: 861

Self-employed SEP IRA + Employer 401(k)?

I have run a set of small businesses for the better part of a decade, and have been using an SEP IRA for retirement contributions (as well as a Roth when eligible). I am also doing contract work for another business. Next year that contract will likely turn into a full-time employment situation, wit...

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