Search found 587 matches

by RyeWhiskey
Mon Feb 01, 2016 6:20 pm
Forum: Investing - Theory, News & General
Topic: relationship Bonds an interest rate
Replies: 4
Views: 541

Re: relationship Bonds an interest rate

Suppose I bought $10000 of a bond index fund. If feds increase interest rate to 0.5%, what will happen to my yield and the price of each share? If feds decrease rate to 0%, what happens? If feds decrease to -.25%, what happens? Thanks. It seems as though you need to research the relationship betwee...
by RyeWhiskey
Wed Jan 27, 2016 2:50 pm
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 100
Views: 14514

Re: Stacked up some more silver bullion today

About four years ago, when I was first getting interested in and serious about personal finance, I walked into the local gold/silver coin dealer to take a look at how investing in physical precious metals would play out. I didn't have the capital or security to invest in physical gold at the time, b...
by RyeWhiskey
Sun Jan 24, 2016 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: No troll, not a sock puppet just wondering
Replies: 17
Views: 2442

Re: No troll, not a sock puppet just wondering

Regarding the rolling LEAP strategy, FWI it was discussed on this forum here: https://www.bogleheads.org/forum/viewtopic.php?t=88487, there seem to me some important questions to ask, namely: - If one buys a LEAP call on the S&P and the market drops, the value of the leap decreases as well. Give...
by RyeWhiskey
Sat Jan 23, 2016 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Going from 50/50 US/Int to All US
Replies: 80
Views: 5199

Re: Going from 50/50 US/Int to All US

FWIW, I'm of similar age to OP and am 100% invested in Total World Stock Index. It's about 50/50 domestic/international and I couldn't sleep any easier. Why? You think there will suddenly be economic growth in Europe, or Japan, or Brazil? Which countries would drive the increases you expect in non-...
by RyeWhiskey
Fri Jan 22, 2016 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Going from 50/50 US/Int to All US
Replies: 80
Views: 5199

Re: Going from 50/50 US/Int to All US

FWIW, I'm of similar age to OP and am 100% invested in Total World Stock Index. It's about 50/50 domestic/international and I couldn't sleep any easier.
by RyeWhiskey
Fri Jan 22, 2016 6:02 pm
Forum: Investing - Theory, News & General
Topic: Why don't people like the higher level of real estate allocation in Swensen lazy portfolio?
Replies: 33
Views: 2684

Re: Why don't people like the higher level of real estate allocation in Swensen lazy portfolio?

And for that I prefer PAIFs .. You get very low volatility, virtually no correlation to equities, obviously illiquidity was a problem in 2008, but they'll go on paying income PAIFs are not available in the US, though, no? And to my knowledge there isn't an analogous vehicle available in the states....
by RyeWhiskey
Fri Jan 15, 2016 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: VTSMX vs. VTSAX
Replies: 28
Views: 1691

Re: VTSMX vs. VTSAX

They are the same fund only different "classes." So if you have a refrigerator and in it is 3,000 things, one person can access the fridge for 0.17% per year but they have to commit $3,000 up front. The other person can access the fridge for 0.05% a year but they have to have $10,000 up fr...
by RyeWhiskey
Thu Jan 14, 2016 6:30 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets: Yes or No?
Replies: 75
Views: 8177

Re: Emerging Markets: Yes or No?

I have no idea what my exposure to emerging markets is, so I'll look it up. Vanguard Total World Market Index says I'm 6.18% emerging market equities. So there you have it. I like not knowing and not caring. :beer
by RyeWhiskey
Sat Jan 02, 2016 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: VUSTX [Vanguard Long-Term Treasury]
Replies: 6
Views: 418

Re: VUSTX [Vanguard Long-Term Treasury]

It seems as though you may wish to do more research on the vehicles you are investing in. Long term bonds can be useful in several important ways: - long term treasuries are inversely coorelated with equities, so when equities crash, they go up. - long term treasuries provide stable dividends that c...
by RyeWhiskey
Sat Jan 02, 2016 2:35 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 110
Views: 7983

Re: frustrating to keep investing in international/EM

Or you can just take a total world approach and let the chips fall where they may. What if 50 years from now the rest of the world is 90% of the stock market? Are you going to keep rebalancing away from "rest-of-world" to US for 5 decades to some arbitrary US/international split that over...
by RyeWhiskey
Mon Dec 28, 2015 10:24 pm
Forum: Investing - Theory, News & General
Topic: Different asset allocations for different accounts?
Replies: 18
Views: 931

Re: Different asset allocations for different accounts?

It's simple: does your taxable account serve a different purpose than your Roth/IRA/401k? This is to say, is the money invested in taxable also for retirement? If so, then it's one asset allocation. If not, then it is whatever it is.
by RyeWhiskey
Mon Dec 28, 2015 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 12
Views: 1052

Re: Portfolio Review

I'm not sure what your questions are. :happy Your portfolio is fine. I think you should consider rolling the tIRA into your current 401k (which seems to have good options, but you didn't list the expense ratios) and then use the back door method to contribute to Roth IRA each year. :sharebeer
by RyeWhiskey
Mon Dec 28, 2015 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest $500/week in Vanguard Total Stock Market ETF
Replies: 36
Views: 3629

Re: How to invest $500/week in Vanguard Total Stock Market ETF

If I was going to invest weekly I'd do it automatically into the fund class and forget about it.
If I was going to invest monthly I'd do it however felt easiest (ETF or fund) and accommodated my finances.

Full disclosure: I have automatic weekly investments into VTWSX. Couldn't sleep better. :beer
by RyeWhiskey
Mon Dec 28, 2015 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum - payoff student loans or add to after tax investments?
Replies: 5
Views: 314

Re: Lump sum - payoff student loans or add to after tax investments?

Seems like you have a lot of debt to be contributing to a taxable account with extra money. I'd definitely knock out the 6.55% loan and dump the rest into the other and call it a day. :beer
by RyeWhiskey
Mon Dec 28, 2015 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: 30 yr old 401k asset allocation
Replies: 5
Views: 669

Re: 30 yr old 401k asset allocation

1. Well done putting yourself in a good position at such an age. 2. Is your emergency fund large enough? I ask only because with 150k/yr of income you may have a higher cost of living, and the EF is usually 6-12 months expenses. 3. What you post here is a fine plan: 65% VINIX - Vanguard Institutiona...
by RyeWhiskey
Mon Dec 28, 2015 1:46 am
Forum: Investing - Help with Personal Investments
Topic: 5%&up return and 0 risk tolerance, are there options?
Replies: 65
Views: 3291

Re: 5%&up return and 0 risk tolerance, are there options?

A given risk is a risk none-the-less, is it not? The risk of savings accounts and CDs is that they underperform compared to inflation, thus losing real purchasing power over time. This is a risk that deserves to be stated. And, given that this is the case, there is no such thing as a riskless or ri...
by RyeWhiskey
Mon Dec 28, 2015 1:43 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house with no money down
Replies: 77
Views: 5856

Re: Buying a house with no money down

The house is $880k and my income last year was $220k although it's from my business so it can fluctuate a lot. Well there's your problem: you simply cannot afford an $880k home. Take a deep breath, find a less expensive home that you can afford, put 20% down and get a nice low rate mortgage and mov...
by RyeWhiskey
Mon Dec 28, 2015 1:38 am
Forum: Investing - Help with Personal Investments
Topic: 5%&up return and 0 risk tolerance, are there options?
Replies: 65
Views: 3291

Re: 5%&up return and 0 risk tolerance, are there options?

Looking for investment options. All investment options carry risk. 3% is probably the best you can do with minimal risk. Anything outside of treasury and eebonds? You may want to familiarize yourself with different forms of fixed-income investments and the risk associated with each. Equities and re...
by RyeWhiskey
Sun Dec 27, 2015 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house with no money down
Replies: 77
Views: 5856

Re: Buying a house with no money down

The house is $880k and my income last year was $220k although it's from my business so it can fluctuate a lot. Well there's your problem: you simply cannot afford an $880k home. Take a deep breath, find a less expensive home that you can afford, put 20% down and get a nice low rate mortgage and mov...
by RyeWhiskey
Sun Dec 27, 2015 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: 5%&up return and 0 risk tolerance, are there options?
Replies: 65
Views: 3291

Re: 5%&up return and 0 risk tolerance, are there options?

My comment is absolutely serious. If you can come up with zero risk, 5% return, by simply leveraging at 2x, you can get a 10% return. By induction, this can be taken to quite far, eventually generating a return of 20, 30, 40%, with zero risk. Thus, you should be able to conclude that you can not ma...
by RyeWhiskey
Sun Dec 27, 2015 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house with no money down
Replies: 77
Views: 5856

Re: Buying a house with no money down

I can't see why if you had the cash to make a down payment you would, instead, draw on an IRA... :confused
by RyeWhiskey
Sun Dec 27, 2015 3:49 pm
Forum: Investing - Theory, News & General
Topic: Share your current asset allocation?
Replies: 94
Views: 5970

Re: Share your current asset allocation?

Age 29. 100% Vanguard Total World Stock Index VTWSX/VT
by RyeWhiskey
Sun Dec 27, 2015 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: 5%&up return and 0 risk tolerance, are there options?
Replies: 65
Views: 3291

Re: 5%&up return and 0 risk tolerance, are there options?

Looking for investment options. All investment options carry risk. 3% is probably the best you can do with minimal risk. Anything outside of treasury and eebonds? You may want to familiarize yourself with different forms of fixed-income investments and the risk associated with each. Equities and re...
by RyeWhiskey
Sun Dec 27, 2015 2:28 pm
Forum: Forum Issues and Administration
Topic: Request for comment on disallowing unexplained/vague outsized performance claims
Replies: 17
Views: 996

Re: Request for comment on disallowing unexplained/vague outsized performance claims

As someone who has moderated/administrated multiple forums in the past, I can tell you that this proposal is too vague and difficult to implement and, in my opinion, we'd be better served by maintaining a high level of discourse that challenges such claims when they occur.
by RyeWhiskey
Sun Dec 27, 2015 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: 5%&up return and 0 risk tolerance, are there options?
Replies: 65
Views: 3291

Re: 5%&up return and 0 risk tolerance, are there options?

pisistratus wrote:Looking for investment options.


All investment options carry risk. 3% is probably the best you can do with minimal risk.
by RyeWhiskey
Sat Dec 26, 2015 6:50 pm
Forum: Investing - Theory, News & General
Topic: The Year in International-Stock Funds (by M*)
Replies: 10
Views: 1503

Re: The Year in International-Stock Funds (by M*)

Given that all the experts can't be right all the time, and some of the experts may be right some of the time, but none of the experts will be right none of the time, I think that this is another good reason to stick to a total world market index.
by RyeWhiskey
Sat Dec 26, 2015 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Money Market in IRA
Replies: 6
Views: 829

Re: Vanguard Money Market in IRA

You need to call Vanguard. I am fairly certain that your situation is less complicated than you think and can be resolved in under 15 minutes, but it will need to be done on the phone rather than through this forum. :beer
by RyeWhiskey
Sat Dec 26, 2015 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Duplicating Total International Stock Index fund (VTIAX)
Replies: 6
Views: 579

Re: Duplicating Total International Stock Index fund (VTIAX)

80% VTMGX – Vanguard Developed Markets Idx Admiral 20% VEMAX – Vanguard Emerging Mkts Stock Idx Adm This split will work fine, however, I thought I should mention that what you posted below (and I have quoted here) is simpler and should be considered as well. Total International is a great fund to ...
by RyeWhiskey
Sat Dec 26, 2015 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: What is your savings rate?
Replies: 146
Views: 15127

Re: Thoughts on Loans for Calculating Savings Rates

I get it but it does not make sense. Think of this. If I had loans that equaled 100% of my income. I then started paying down those loans but put no money aside for future use would I be "saving" money? No, of course not. When paying loans you are not "saving" money rather you a...
by RyeWhiskey
Sat Dec 26, 2015 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation Help: Too Many I-Bonds?
Replies: 32
Views: 2710

Re: Bond Allocation Help: Too Many I-Bonds?

What percentage of one's bond allocation do people typically allocate towards inflation protection? There's no right answer to that question, but I've seen recommendations for anywhere from 25%-50% of one's bond allocation to TIPS/I-Bonds, although this allocation tends to be directed towards folks...
by RyeWhiskey
Sat Dec 26, 2015 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation Help: Too Many I-Bonds?
Replies: 32
Views: 2710

Re: Bond Allocation Help: Too Many I-Bonds?

I think your question reveals a more important question: what is the purpose of the bonds you hold as 25% of your allocation? If it is, as most BH's would assume, for dampening the volatility of stocks, then it doesn't matter greatly whether or not they're in I-Bonds or diversified bond fund as you'...
by RyeWhiskey
Sat Dec 26, 2015 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: [What will you do differently in] 2016
Replies: 62
Views: 6431

Re: [What will you do differently in] 2016

- Pay off grad loans before grace period ends - Live on 1k/month. Save rest. - Simplify, simplify, simplify: --- Consolidate lines of credit from cards I don't/won't use --- Delete old/unused accounts - Security check (buy Ubikey and get Lastpass Premium). That's it. Looking to make things as simple...
by RyeWhiskey
Thu Dec 24, 2015 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Healthcare funds
Replies: 28
Views: 1763

Re: Healthcare funds

Hi all, good morning. What Healthcare fund(s) do you all currently hold (assuming you do)? I was just curious to see what you guys think about HC funds as a long term strategy. Any good Vanguard HC funds I can be looking at for a long term investment? I am currently invested in the 3 fund portfolio...
by RyeWhiskey
Wed Dec 23, 2015 6:12 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Purist
Replies: 43
Views: 3422

Re: John Bogle Purist

100% Vanguard Total World Stock Index (VTWSX/VT). Purity and simplicity at its finest. Will add bonds as I get older (currently 29), starting with Long Term Treasuries until retirement, then adding Short-Term TIPS. That's the plan, at least.
by RyeWhiskey
Wed Dec 23, 2015 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: What is your savings rate?
Replies: 146
Views: 15127

Re: What is your savings rate?

Savings rates mean little when not accompanied by earnings. As SP-diceman above noted but I'll make more personal, I make approx. $25,000 a year and save anywhere between $6000 and $10,000 depending on what comes up. That's a 25%-40% savings rate. Now, if I suddenly earned $100,000 a year, I could e...
by RyeWhiskey
Wed Dec 23, 2015 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Late 20's portfolio: how do we increase our bond allocation?
Replies: 2
Views: 341

Re: Late 20's portfolio: how do we increase our bond allocation?

The simplest solutions would be either: 1) New 401k contributions into the cheapest, most diversified, bond fund available until you reach your desired allocation. 2) Convert all the rollover IRAs and Roths at Vanguard that are currently VTSAX to Total Bond Index. This would give you approx. 26% in ...
by RyeWhiskey
Wed Dec 23, 2015 4:39 pm
Forum: Investing - Theory, News & General
Topic: Opinions on Burton Malkiel's personal portfolio?
Replies: 28
Views: 2822

Re: Opinions on Burton Malkiel's personal portfolio?

I read the article and a couple more, and I've concluded that this is simply another reason to stick with a Total World index. I, frankly, have no idea whether GDP growth translates to higher investor returns, what the effects of currency are upon this for a US-domestic investor, etc. Thus, the simp...
by RyeWhiskey
Sat Dec 12, 2015 7:03 pm
Forum: Investing - Theory, News & General
Topic: Permanent Bogleheads Portfolio
Replies: 33
Views: 4019

Re: Permanent Bogleheads Portfolio

The Harry Browne Permanent Portfolio (HBPP) was built for a very different purpose than the classic Bogleheads portfolio. Combining them simply by asset allocation doesn't reflect the intent of either and detracts from both. A year ago I gave this idea a lot of thought and the best thing I could co...
by RyeWhiskey
Sat Dec 12, 2015 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Capital loss question - stock is worth zero but no market
Replies: 11
Views: 1593

Re: Capital loss question - stock is worth zero but no market

I have one stock that is "worthless" and I intend to keep it until I'm required to do otherwise. It sits there right next to my Total World Stock Index as an excellent reminder of how little I know and how much time I can save by not thinking otherwise. :beer
by RyeWhiskey
Sat Dec 12, 2015 3:09 pm
Forum: Investing - Theory, News & General
Topic: Permanent Bogleheads Portfolio
Replies: 33
Views: 4019

Re: Permanent Bogleheads Portfolio

The Harry Browne Permanent Portfolio (HBPP) was built for a very different purpose than the classic Bogleheads portfolio. Combining them simply by asset allocation doesn't reflect the intent of either and detracts from both. A year ago I gave this idea a lot of thought and the best thing I could com...
by RyeWhiskey
Sat Dec 12, 2015 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Total Markets, Coffeehouse or Values and Treasuries?
Replies: 20
Views: 1659

Re: Total Markets, Coffeehouse or Values and Treasuries?

Both of the portfolios are "fine," but I'm concerned that you're using a 30-year backtest (wherein bond markets reached an all-time high in yield and subsequently plummeted to a near all-time low) to determine your future 30-year allocation. I say this not because I think the backtest doe...
by RyeWhiskey
Thu Dec 10, 2015 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Total Markets, Coffeehouse or Values and Treasuries?
Replies: 20
Views: 1659

Re: Total Markets, Coffeehouse or Values and Treasuries?

Both of the portfolios are "fine," but I'm concerned that you're using a 30-year backtest (wherein bond markets reached an all-time high in yield and subsequently plummeted to a near all-time low) to determine your future 30-year allocation. I say this not because I think the backtest does...
by RyeWhiskey
Mon Nov 30, 2015 2:14 pm
Forum: Investing - Theory, News & General
Topic: Strictly Worse "Composite" Funds - Total World
Replies: 12
Views: 1704

Re: Strictly Worse "Composite" Funds - Total World

Vanguard Total World Stock Index (VTWSX/VT) is my only equity holding. I consider this to be Vanguard's best fund and believe it the natural and logical consequence of Bogle's philosophy. Simplicity: one fund is simpler than two. What percentage international is best? I don't know and I don't care--...
by RyeWhiskey
Sat Nov 28, 2015 5:14 pm
Forum: Personal Consumer Issues
Topic: Travel backpacks with removable backpack option
Replies: 42
Views: 2706

Re: Travel backpacks with removable backpack option

The problem with "convertible" backpacks is the sacrifice that is necessitated by combining what would be two separate bags. Instead of a comfortable and light-weight pack for day-use, you have a bigger pack. Instead of a simple large pack for gear hauling, you have a smaller pack meant to...
by RyeWhiskey
Sat Nov 28, 2015 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Prioritizing emergency fund, student loans, helping family, taxable investments, and 401k
Replies: 13
Views: 1218

Re: Prioritizing emergency fund, student loans, helping family, taxable investments, and 401k

Other advice has been very good thus far. 1) You got a high paying job--congrats! Now keep living like you only make 30k a year and you'll find a lot of savings in your accounts real quick. 2) Get the 401k match. You are still young and need to keep regular retirement investments for the sake of com...
by RyeWhiskey
Sat Nov 28, 2015 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: 40% or 30% in Total International?
Replies: 16
Views: 2048

Re: 40% or 30% in Total International?

My only investment is the Vanguard Total World Stock Index fund that has approximately 50% international. I plan to stick with this single fund and ignore concerns about "what % international exposure?" for the rest of my investing life. This is how I came to my allocation: the market. Sin...
by RyeWhiskey
Sat Nov 28, 2015 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Following the Bogleherd … scary!
Replies: 37
Views: 3828

Re: Following the Bogleherd … scary!

Herd mentality is all about context. Bogleheads are a "herd" in the sense that we agree on several, simple and concise investing principles. Yet, within the context of those principles we are extremely diverse. We have completely differing opinions on asset allocation (slice and dice, etc)...
by RyeWhiskey
Sat Nov 28, 2015 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Small windfall: use towards loans, investments, etc?
Replies: 16
Views: 1388

Re: Small windfall: use towards loans, investments, etc?

I'd pay off the loans, but I would also use up the Roth space, too. I'd probably hold my emergency fund in my Roth IRA in your situation. If you paid off the loans, then how much would that free up to use for Roth IRA contributions for 2016 and going forward? I already have the maximum set aside fo...

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