Search found 4304 matches

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: 787

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: 787

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: 1642

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: 3917

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: 1200

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: 4574

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: 112871

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: 1116

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: 464

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: 2813

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: 624

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: 2813

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: 3196

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: 2340

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: 2237

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: 1192

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: 2340

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: 3196

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: 624

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: 26
Views: 2966

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: 2813

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: 2340

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: 1647

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: 1647

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: 1273

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: 13597

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: 194
Views: 26504

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: 14302

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: 4892

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: 858

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: 858

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: 266

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: 3451

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: 829

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: 2049

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: 829

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: 829

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: 829

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...
by Noobvestor
Sat Nov 07, 2015 12:15 am
Forum: Investing - Theory, News & General
Topic: Warren Buffett`s will to his wife
Replies: 13
Views: 2460

Re: Warren Buffett`s will to his wife

I've said it before and I'll say it again: 1) Both Bogle and Buffet have so much money what they invest in is almost entirely irrelevant to ordinary people. 2) Both Bogle and Buffet, in their own ways, made their fortunes on the US stock market - one by inventing the 500 index fund and the other by ...
by Noobvestor
Fri Nov 06, 2015 11:55 pm
Forum: Forum Issues and Administration
Topic: Well that stinks - Comcast deleted personal sites and my post figures are all gone
Replies: 14
Views: 2532

Re: Well that stinks - Comcast deleted personal sites and my post figures are all gone

Archive.org is a good place to start. You may find them cached or copied in other places too, so try Google Cache for instance (e.g. Google for a page on the site, then instead of clicking the link click to view their cached version). If any other sites scrape yours regularly (again, Google for some...
by Noobvestor
Wed Oct 14, 2015 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Fund allotment into tax-advantaged/non-advantaged accouts
Replies: 7
Views: 578

Re: Fund allotment into tax-advantaged/non-advantaged accouts

I would avoid a balanced fund in a taxable account if at all possible. If you sell now, you will have to pay taxes on realized gains, but if it were me, I would sell, get the allocation you want and that will be tax-efficient for the long haul, and be OK with paying the gains. Aside from taxes, ther...
by Noobvestor
Sun Sep 06, 2015 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone avoiding TLH in favor of simplicity (automatic investing)?
Replies: 42
Views: 3334

Re: Anyone avoiding TLH in favor of simplicity (automatic investing)?

Every time I think about tax loss harvesting I am comforted to find these lively discussions about its complexity versus its simplicity, which are themselves complex enough to in turn convince me to avoid the issue altogether. :beer
by Noobvestor
Mon Aug 31, 2015 9:56 pm
Forum: Investing - Theory, News & General
Topic: I Bonds vs cd's
Replies: 11
Views: 1828

Re: I Bonds vs cd's

I prefer I Bonds to CDs at equivalent/similar rates because (1) I don't have to read the fine print about when I can cash them in, (2) they are tax-deferred for up to 30 years, so I can keep holding them without taking new actions (simplicity + flexibility).
by Noobvestor
Sun Aug 30, 2015 1:36 am
Forum: Investing - Theory, News & General
Topic: Investing Money for Taxes
Replies: 20
Views: 1355

Re: Investing Money for Taxes

Being a risqué kind of guy, I put it entirely into shorts.

Generally buy them at Old Navy.
by Noobvestor
Sat Aug 29, 2015 2:42 pm
Forum: Investing - Theory, News & General
Topic: Why no diversification benefit for international in this week's crash?
Replies: 90
Views: 9083

Re: Why no diversification benefit for international in this week's crash?

rca1824, slice-and-dicers (factor-based investors) claim that a portfolio of poorly correlated risky assets will experience risk reduction due to the low correlation, and thus a better risk-adjusted reward. If you look at the actual data and the actual claims numerically... as you've been doing whe...
by Noobvestor
Fri Aug 28, 2015 12:22 am
Forum: Investing - Theory, News & General
Topic: Why no diversification benefit for international in this week's crash?
Replies: 90
Views: 9083

Re: Why no diversification benefit for international in this week's crash?

rca1824, slice-and-dicers (factor-based investors) claim that a portfolio of poorly correlated risky assets will experience risk reduction due to the low correlation, and thus a better risk-adjusted reward. If you look at the actual data and the actual claims numerically... as you've been doing whe...
by Noobvestor
Mon Aug 17, 2015 9:01 pm
Forum: Investing - Theory, News & General
Topic: Why does Bogle disparage ETFs in his book?
Replies: 35
Views: 3014

Re: Why does Bogle disparage ETFs in his book?

The short answer: yes, his advice is a bit dated, plus it assumes people won't use ETFs like index funds - if you *do* use them passively like you would index funds, you'll be fine. Also, he says: "...the returns earned by ETF investors come nowhere near the returns earned by the funds themselv...
by Noobvestor
Sun Aug 16, 2015 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in the house
Replies: 80
Views: 7659

Re: Cash in the house

It's all relative. If $1,000 is your life's savings, I wouldn't keep it at home. If it's 0.1% of your net worth, why not? Worst case: it gets stolen, and your net worth drops less that day than it would in a typical down day on the stock market.
by Noobvestor
Sun Aug 16, 2015 9:16 pm
Forum: Personal Consumer Issues
Topic: What's a Bug Out Bag and who uses them?
Replies: 72
Views: 9784

Re: What's a Bug Out Bag and who uses them?

The idea behind a BOB is that if something goes awry where you are you don't have to pack a bag to get a move on - you can just grab this prepacked bag and rush out the door. By virtue of its size (something you can carry easily) it won't address long-duration situations. Some people (like: preppers...
by Noobvestor
Wed Aug 05, 2015 11:25 am
Forum: Forum Issues and Administration
Topic: Bringing back the poll
Replies: 12
Views: 1260

Re: Bringing back the poll

+1

I know they aren't scientific or representative, but polls are still useful for getting answers to certain kinds of questions or at least seeing a distribution or range of responses. Also: I miss polls :/

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