Search found 4414 matches

by Noobvestor
Sun Oct 15, 2017 6:29 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Non-US Valuations Look Attractive
Replies: 73
Views: 6805

Re: Larry Swedroe: Non-US Valuations Look Attractive

I'll never understand this kind of argument. You don't use that logic for individual stocks or sectors, so why countries? We don't say 'well healthcare has done well and utilities poorly over the last 50 or 100 years so you should tilt toward one over the other.' Makes no sense for a passive invest...
by Noobvestor
Sun Oct 15, 2017 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: EE/Ibonds & Tax Advantaged Space
Replies: 25
Views: 1495

Re: EE/Ibonds & Tax Advantaged Space

I love my EE and I Bonds. 10K per type per year (more if you use the tax refund strategy for I Bonds). Between them, you've got inflation and deflation protection, tax-deferred, state tax exempt, etc.... The yields are pretty good considering what comparable bonds offer (e.g. individual TIPS or 20-y...
by Noobvestor
Fri Oct 13, 2017 12:51 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Non-US Valuations Look Attractive
Replies: 73
Views: 6805

Re: Larry Swedroe: Non-US Valuations Look Attractive

Ex-US indexing hasn't worked well in the past - under-performance over long periods of time as mentioned above in this thread. It's possible to argue about the reasons and whether the next century will be like the last century, but the reality so far is what it is, and it's a huge red flag. So shou...
by Noobvestor
Tue Oct 03, 2017 9:08 pm
Forum: Investing - Theory, News & General
Topic: Shooting for the moon as a young investor
Replies: 19
Views: 1991

Re: Shooting for the moon as a young investor

The earlier your invest wisely the more it compounds. The idea that if you're young you can afford to lose money is, in my opinion, entirely backward - you have more time to let compounding earn for you. You don't have to gamble on long shots that almost certainly will fail. If you want to gamble (a...
by Noobvestor
Tue Oct 03, 2017 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Help with private investment opportunity
Replies: 47
Views: 2510

Re: Help with private investment opportunity

The earlier your invest wisely the more it compounds. The idea that you're young and can afford to lose money is, in my opinion, entirely backward - you're young and can let compounding earn for you. You don't have to gamble on long shots that almost certainly will fail.
by Noobvestor
Sat Sep 30, 2017 12:55 am
Forum: Investing - Theory, News & General
Topic: 4% rule and timing
Replies: 16
Views: 2307

Re: 4% rule and timing

Oh nice - thanks for the links Mike and dbr!
by Noobvestor
Sat Sep 30, 2017 12:22 am
Forum: Investing - Theory, News & General
Topic: 3 stages of Financial Independence
Replies: 63
Views: 7018

Re: 3 stages of Financial Independence

I for sure definitely have goal to hit the 3rd category before declaring true FI (which for me comes to 1.2MM for category 1 and already atained at age 35, 3MM for category 2, and 7MM for category 3!) That's quite the spread. ~1MM or so makes sense for 1 to me, but more like 2MM and 3MM for 2 and 3...
by Noobvestor
Wed Sep 27, 2017 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: TLTD - Int'l Developed Small/Value Tilt Fund
Replies: 9
Views: 703

Re: TLTD - Int'l Developed Small/Value Tilt Fund

.39% is far too rich for my tastes. Also, lots of data shows that small/value premiums are relatively independent of location (i.e. you can get your small and value tilts in the US, where's it's cheap and easy, and it won't really matter). And then there are your concerns, like: how well it actually...
by Noobvestor
Wed Sep 27, 2017 9:20 pm
Forum: Investing - Theory, News & General
Topic: 4% rule and timing
Replies: 16
Views: 2307

Re: 4% rule and timing

I'm equally curious about the reverse - what happens when your 4% (or whatever) SWR doubles you money over an unusually profitable decade (despite spending 4% each year) or similar? At what point do you adjust the SWR upward and make that a new starting point?
by Noobvestor
Wed Sep 27, 2017 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones (again)
Replies: 28
Views: 2310

Re: Edward Jones (again)

d. there is perceived safety in making purchases or changes to the account through a known person (i.e. not an Internet transaction with questionable security safeguards - looming shades of the Equifax hacking nightmare as well as other scary hacks) Perceived is a critical word here. Adding a layer...
by Noobvestor
Sat Sep 23, 2017 2:42 am
Forum: Investing - Help with Personal Investments
Topic: the tax efficiency conundrum
Replies: 7
Views: 799

Re: the tax efficiency conundrum

That’s a helpful perspective, thanks. I just hate the thought of $50k sitting unproductive earning 1.5% much of which will be paid in taxes. Seems only slightly better than burying it in the back yard. You have to weigh hating that and having a fund that could dip 20-30% in a crash before you need ...
by Noobvestor
Thu Aug 03, 2017 1:41 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 276
Views: 24350

Re: A poll: How much money do you need to retire?

Would like $3,000,000 ideally - very flexible in that situation ($120,000/year SWR - me and a sig other with no income), but probably only need more like 2-2.5 to do most of what I want to do from year to year without any real worry (except maybe a home in a HCOL area). With luck, I'll be there in t...
by Noobvestor
Thu Aug 03, 2017 1:27 am
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 225
Views: 34528

Re: What's the ideal safe retirement net worth target?

Setting aside the two *additional* properties, I would love to know where in the Bay you can have a 2500 SF home on a quarter acre with a view of the Bay and the city for less than, say, 1MM (I'm assuming the other 1MM is tied up in the other two properties and liquid spending needs). I'm casting m...
by Noobvestor
Thu Aug 03, 2017 1:21 am
Forum: Investing - Theory, News & General
Topic: Is now time to move into international stocks?
Replies: 57
Views: 6964

Re: Is now time to move into international stocks?

Nothing changes on my end. I don't own any international stocks or bonds. A simple two fund all U.S. 60/40 portfolio or one fund Vanguard Balanced Index Fund is all you need. Stay the Course and keep it Simple!! Vanguard Total World Stock + Total Bond Market is as simple or simpler. The main reason...
by Noobvestor
Thu Aug 03, 2017 1:19 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 369
Views: 31573

Re: Your USER NAME...what does it mean?

Lieutenant.Columbo wrote:
Noobvestor wrote:It means I lack foresight.
maybe, but you're witty
:beer
by Noobvestor
Mon Jul 17, 2017 2:37 am
Forum: Investing - Theory, News & General
Topic: Is now time to move into international stocks?
Replies: 57
Views: 6964

Re: Is now time to move into international stocks?

Many large US companies have significant international operations, so US stock markets are already somewhat international. Emerging markets seem riskier to me, and Europe has Brexit, PIGS, and diversity problems. If I were young or a billionaire, I'd be happy to gamble on international stocks becau...
by Noobvestor
Mon Jul 17, 2017 2:33 am
Forum: Investing - Theory, News & General
Topic: Is now time to move into international stocks?
Replies: 57
Views: 6964

Re: Is now time to move into international stocks?

Global market is around 50/50 US, give or take - has been for years. If you know better than the total market, tilt away (or toward or whatever)! If you don't (hint: you don't) maybe start with something like that, which, incidentally, is pretty neutral (no temptation to add or subtract a bit and ma...
by Noobvestor
Wed Jul 05, 2017 11:24 pm
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 225
Views: 34528

Re: What's the ideal safe retirement net worth target?

$10M is a very standard number that people talk about in the Bay Area. That means decent but not too big house, small property in the mountain and some money in the bank. Nothing very fancy, pretty much basic stuff. More and more i hear 50M as THE Number. (In each bubble the number goes up, then it...
by Noobvestor
Wed May 24, 2017 11:42 pm
Forum: Investing - Theory, News & General
Topic: Robo investing for the richer folks
Replies: 2
Views: 818

Re: Robo investing for the richer folks

The robos have a lot of advantages: 1) Automation and anti-Wall Street sentiments of younger folks 2) These younger folks don't have as much money yet, so AUM isn't really an issue 3) They can always ratchet up the prices later 4) Leaving a robo may mean tax headaches (cost basis tracking, etc...) I...
by Noobvestor
Wed May 24, 2017 11:36 pm
Forum: Investing - Theory, News & General
Topic: The dot com "do over" bull market?
Replies: 82
Views: 8976

Re: The dot com "do over" bull market?

Juicero? Uber? There's a lot more venture capital available now, so tech-based startups can get very large on private investment before ever doing an IPO. Never heard of Juicero - just tried to look it up and doesn't seem to be publicly traded? Probably start here: m CEO's response: m Honestly, I h...
by Noobvestor
Wed May 17, 2017 12:29 am
Forum: Investing - Theory, News & General
Topic: What Will Burst the Next Bubble?
Replies: 66
Views: 7457

Re: What Will Burst the Next Bubble?

I'm not sure how to attach an image so I'll just link it below. I know this has been posted on this forum before (Investor Equity Allocation vs 10 year SPX return). May offer some insight into return expectations going forward. http://www.philosophicaleconomics.com/2013/12/the-single-greatest-predi...
by Noobvestor
Mon Apr 24, 2017 10:50 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 41910

Re: Larry Swedroe says "Goodby."

Pretty sure my signature line says it all! Thanks for everything, Larry.
by Noobvestor
Fri Apr 21, 2017 12:03 am
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 321
Views: 21679

Re: I don't understand the case for EE bonds

I recently bought a 7-year CD at 3%. I'd much rather take this bet than have to hold for 20 years to get 3.5%. If I can earn 4% for the remaining 13 years after the CD matures, I end up making 3.65%. Or maybe a CD will come along in less than 7 years with a rate high enough to justify paying the 1....
by Noobvestor
Fri Apr 21, 2017 12:00 am
Forum: Investing - Theory, News & General
Topic: I don't understand the case for EE bonds
Replies: 321
Views: 21679

Re: I don't understand the case for EE bonds

3.5% rate - higher than comparable treasuries (currently 2.6%) Tax-deferred until you cash them out Option to ditch out in the first few years if rates go up enough (but I started buying in 2012 and it's been a great deal) Nice way to balance out I Bonds (split 50/50 and it's 50/50 nominal/inflation...
by Noobvestor
Mon Apr 17, 2017 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: [Advice needed for mother's inheritance/finances.]
Replies: 129
Views: 15158

Re: Too much inheritance to handle. Advice needed

With the brokerage account, you will have tax consequences if you sell existing assets. So don't rush into selling until you understand the taxes you will owe. Better to leave things as they were before your father died. You could consult a CPA if needed. If there was an attorney who helped settle ...
by Noobvestor
Mon Apr 17, 2017 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: [Advice needed for mother's inheritance/finances.]
Replies: 129
Views: 15158

Re: Too much inheritance to handle. Advice needed

With the brokerage account, you will have tax consequences if you sell existing assets. So don't rush into selling until you understand the taxes you will owe. Better to leave things as they were before your father died. You could consult a CPA if needed. If there was an attorney who helped settle ...
by Noobvestor
Mon Apr 17, 2017 12:03 am
Forum: Investing - Help with Personal Investments
Topic: Why invest in International Index Fund?
Replies: 39
Views: 4624

Re: Why invest in International Index Fund?

I am not sure I understand. But the past shows solid evidence of better returns, what suppose to change in the future? Its all buying stocks anyway. If domestic stocks go down, international stocks go down too. Vice versa if stocks go up. If it doesn't matter, then stay diversified. Your 'stocks an...
by Noobvestor
Thu Mar 30, 2017 12:40 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 219
Views: 39782

Re: John Bogle on international

"If there's one place I don't want people to take my advice, it's international. I want you to think it through for yourself." - Jack Bogle at Bogleheads 11 in 2012. https://www.bogleheads.org/forum/viewtopic.php?t=104781 As for Buffett ... that guy's got so much money he could leave it i...
by Noobvestor
Sun Mar 26, 2017 12:58 am
Forum: Personal Consumer Issues
Topic: Anyone taken a mid-career sabbatical?
Replies: 47
Views: 6748

Re: Anyone taken a mid-career sabbatical?

I haven't taken a true break since before grad school, but I have let work ebb and flow. I ran a series of (digital) businesses for a while, then sold a few and kept a few, took it easier for a bit. During that period I'd do things like: travel for a month to a city where I have friends, rent a plac...
by Noobvestor
Sat Mar 25, 2017 5:45 pm
Forum: Investing - Theory, News & General
Topic: I-Bonds Fixed Rate
Replies: 6
Views: 1343

Re: I-Bonds Fixed Rate

For the first 10 years, the I Bond fixed rate hovered around 1% below what the 10-year TIPS rate were/would have been. However, that was just empirical, with the actual rate setting logic a black box which it still is today. If you consider that people in those first ten years were perfectly happy ...
by Noobvestor
Wed Mar 22, 2017 12:06 am
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard have contrarian funds ?
Replies: 25
Views: 2444

Re: Does Vanguard have contrarian funds ?

I am worried about a crash so where can I dump a significant Vanguard portfolio in to once I see signals of a pullback or recession? I do not want to ride out a 20% pullback? Too old! Well if I wanted a 'contrarian' fund at Vanguard for stocks, I'd go with EDV - extended-duration treasuries. Those ...
by Noobvestor
Tue Mar 21, 2017 1:40 am
Forum: Investing - Theory, News & General
Topic: the important asset that many fail to consider in portfolio construction/allocation
Replies: 15
Views: 3358

Re: the important asset that many fail to consider in portfolio construction/allocation

I dunno ... in theory, I could work for a long time and make a lot of money (high human cap), but I've also considered retiring early (low human cap). I guess it's an easier calculation for someone who just assumes they're going to work until X age. For me it's uncertain - I like working, but if I s...
by Noobvestor
Tue Mar 14, 2017 12:01 am
Forum: Investing - Help with Personal Investments
Topic: Move my Traditional IRA from Ameriprise to where?
Replies: 8
Views: 985

Re: Move my Traditional IRA from Ameriprise to where?

1) Yes
2) Yes
3) I like Vanguard. Some people find their customer service lacking. Fidelity is another option.
4) Index mutual funds or ETFs. When in doubt, there are always Target Retirement funds too.

This might help: https://www.bogleheads.org/wiki/Boglehe ... art-up_kit
by Noobvestor
Mon Mar 13, 2017 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard - Money Market Funds
Replies: 16
Views: 2918

Re: Vanguard - Money Market Funds

Still too much hassle for me - I'll take lazy over a bit more return on cash.
by Noobvestor
Mon Mar 13, 2017 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: Vang. High Yield Tax Exempt Fund Admiral Shares
Replies: 16
Views: 1504

Re: Vang. High Yield Tax Exempt Fund Admiral Shares

Dear all, 1. I purchased a lot of shares in this fund last July, when shares were at their highest. As of now, I get monthly income from this fund but all in all, I lost nearly 5K. It's down about 60 cent a share and has not really moved in the last 3-4 months. Should I keep this fund or get rid of...
by Noobvestor
Sun Mar 12, 2017 10:37 pm
Forum: Investing - Theory, News & General
Topic: Estimated Quarterly Tax Payments and Capital Gains Distributions
Replies: 8
Views: 867

Re: Estimated Quarterly Tax Payments and Capital Gains Distributions

If you use the prior year taxes as a guide and pay estimated taxes of the same amount in equal payments (or 110% if AGI>150K in prior yr), you will meet the "safe harbor" conditions and will not be penalized even if income /taxes in current yr are higher. Of course, there will be a balanc...
by Noobvestor
Sun Mar 12, 2017 3:57 pm
Forum: Investing - Theory, News & General
Topic: Estimated Quarterly Tax Payments and Capital Gains Distributions
Replies: 8
Views: 867

Re: Estimated Quarterly Tax Payments and Capital Gains Distributions

Hello! As I begin retirement planning, I am wondering how to handle estimated quarterly tax payments. I will receive interest, dividends, and capital gains on my funds. It appears that if I do not pay sufficient estimated quarterly tax, I would pay a penalty. How are capital gains handled when payi...
by Noobvestor
Sun Mar 12, 2017 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Updated portfolio review (2 years later)
Replies: 4
Views: 890

Re: Updated portfolio review (2 years later)

Thanks for the input Noob. I appreciate it. Just to clarify, the 401K list is just available funds. My entire 401K is Vanguard Retirement 2020. My question regarding the 401K was that that fund has a higher expense ratio, so with that kind of balance, perhaps I shroud split the investments into fun...
by Noobvestor
Sat Mar 11, 2017 3:35 am
Forum: Investing - Help with Personal Investments
Topic: New to investment and need help! Thank you!
Replies: 18
Views: 1314

Re: New to investment and need help! Thank you!

Thank you for your quick response! Actively managed funds and targeted-date funds are the same? Or do you mean Thomas Partners? Actively-managed funds with high expense ratios (over .20% to keep it simple) are just not going to help your cause. Target-date funds are sometimes slightly more expensiv...
by Noobvestor
Sat Mar 11, 2017 3:28 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs. Schwab vs. T. Rowe Price vs. Fidelity
Replies: 24
Views: 4755

Re: Vanguard vs. Schwab vs. T. Rowe Price vs. Fidelity

I have some extra saving I would like to put into investment. I am a newbie into investment. 1. vanguard vs. Schwab vs. T.Rowe Price vs. Fidelity,which one should I with? Fidelity has the tax deferred annuity which gives me a tax break as I am in the high tax bracket. 2. Which portfolio should I go...
by Noobvestor
Sat Mar 11, 2017 3:12 am
Forum: Investing - Help with Personal Investments
Topic: ETF Bond Fund for Roth IRA
Replies: 3
Views: 568

Re: ETF Bond Fund for Roth IRA

I'm a Vanguard man, so consider me biased, but I like Total Bond (I think it's BND as an ETF).
by Noobvestor
Sat Mar 11, 2017 3:11 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard taxable - changes?
Replies: 3
Views: 798

Re: Vanguard taxable - changes?

Pretty sure they're forcing the upgrade on everyone. I haven't had any issues myself.
by Noobvestor
Sat Mar 11, 2017 3:09 am
Forum: Investing - Help with Personal Investments
Topic: Life Changes Warrant Portfolio Check (Divorce, Salary Cut, Better 401k)
Replies: 1
Views: 423

Re: Life Changes Warrant Portfolio Check (Divorce, Salary Cut, Better 401k)

As with most portfolios these days (all hail the great decade in US stocks!) you seem light on international (it's 50% of the market). There are some odds and ends you don't need, like Extended Market (why not just Small Cap or Small Cap Value?) and High Dividend Yield (why not Value or Total Stock?...
by Noobvestor
Sat Mar 11, 2017 3:02 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard All-in-one to 3 fund portfolio: advice for planning?
Replies: 2
Views: 722

Re: Vanguard All-in-one to 3 fund portfolio: advice for planning?

1. Hard to say. For that horizon you should be leaning toward bonds. 2. Vanguard Total Stock and Vanguard Total International are both good in taxable. There's some quibbles about foreign tax credits, etc... and some suggest International if you're on the fence. 3. I'd be reluctant to populate the R...
by Noobvestor
Sat Mar 11, 2017 2:54 am
Forum: Investing - Help with Personal Investments
Topic: Updated portfolio review (2 years later)
Replies: 4
Views: 890

Re: Updated portfolio review (2 years later)

1. Her IRA doesn't really need short-term or international bonds, but whatever. 2. Lots of confusion in the 401ks - bunch of overlapping funds - why not simplify? 3. I'd sell the individual stock - it's done well, cash in and consider yourself lucky. 4. If the cash is for a short-term project it's n...
by Noobvestor
Sat Mar 11, 2017 2:45 am
Forum: Investing - Help with Personal Investments
Topic: New to investment and need help! Thank you!
Replies: 18
Views: 1314

Re: New to investment and need help! Thank you!

1) ETFs versus mutual funds is virtually apples to apples - doesn't really matter - but your Schwab holdings right now are too complex 2) In your taxable account, stick to total-stock and total-international funds, maybe intermediate-term tax-exempt bonds 3) Stock/bond allocation is up to you. Age-i...
by Noobvestor
Sat Mar 11, 2017 2:34 am
Forum: Investing - Help with Personal Investments
Topic: AQR in 401k
Replies: 4
Views: 481

Re: AQR in 401k

I am one of the trustees of our small company 401k. I believe that we have access to AQR through our platform but we do not currently use any of their funds in our menu. I don't know if the minimum investment available to us is practical either as I've not investigated that. That said, is there an ...
by Noobvestor
Mon Mar 06, 2017 2:45 am
Forum: Investing - Theory, News & General
Topic: international bonds a good idea?
Replies: 20
Views: 2627

Re: international bonds a good idea?

No benefit I can see but I also would accept them if I were trying to simplify with a fund-of-funds (like a Target Date fund).
by Noobvestor
Sun Mar 05, 2017 3:13 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio & Financial Health Check
Replies: 2
Views: 463

Re: Portfolio & Financial Health Check

1) Looks good. I'd sell the company stock ASAP, but that's just me (double-down risk). 2) Could use I Bonds for some of the taxable space (tax-deferred until you cash them in) 3) You might eek out small gains by avoiding Target Date funds depending on what's available. Breaking those up might also a...
by Noobvestor
Sun Mar 05, 2017 2:49 am
Forum: Investing - Help with Personal Investments
Topic: Swensen - Why does he recommend Emerging Markets and Developed Markets for Int'l?
Replies: 11
Views: 1528

Re: Swenson - Why does he recommend Emerging Markets and Developed Markets for Int'l?

Could be to tilt toward EM, but it doesn't look like it. Could also be to get some kind of rebalancing 'bonus'. Doesn't seem important tho.