Search found 157 matches

by Saphomd
Fri Jan 06, 2017 5:11 pm
Forum: Investing - Theory, News & General
Topic: I am timing the market. Why am I wrong?
Replies: 89
Views: 5675

Re: I am timing the market. Why am I wrong?

From the " Bogleheads Guide to investing":

" Market timing is an obsession in the world of investing."

" Its futile to pick winning funds based on past returns, but that certainly doesn't stop investors from trying"
by Saphomd
Fri Jan 06, 2017 4:22 pm
Forum: Investing - Theory, News & General
Topic: I am timing the market. Why am I wrong?
Replies: 89
Views: 5675

Re: I am timing the market. Why am I wrong?

If you time the market correctly, its only luck. Thats all I have to say.
by Saphomd
Fri Jan 06, 2017 2:00 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on a Bogle quote
Replies: 29
Views: 2346

Re: Thoughts on a Bogle quote

The only international I have is whats included in my VG 500 index fund. :sharebeer
by Saphomd
Fri Jan 06, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: How will the market perform in 2017?
Replies: 45
Views: 3130

Re: How will the market perform in 2017?

Market will go sideways first 3 months, down next 4, and finish up at the end of the year.
Inflation will go up and I will be contributing more to my VG TIPS fund :happy
by Saphomd
Wed Jan 04, 2017 12:38 am
Forum: Personal Finance (Not Investing)
Topic: How many of you did a Roth conversion the first day of 2017
Replies: 43
Views: 2696

Re: How many of you did a Roth conversion the first day of 2017

Did a backdoor Roth conversion for 2016 about 2 weeks ago ($6500.00). Will do another backdoor Roth in about 2 months. :)
by Saphomd
Mon Jan 02, 2017 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds go in taxable/
Replies: 13
Views: 1754

Re: Bonds go in taxable/

Interesting. I wonder if Balanced funds with 60%stocks/40%bonds also would benefit in a taxable account. :|
by Saphomd
Sun Jan 01, 2017 12:14 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 667
Views: 28620

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

Oops. Thanks for letting me know.
by Saphomd
Sun Jan 01, 2017 10:40 am
Forum: Forum Issues and Administration
Topic: Bogleheads is back!
Replies: 21
Views: 3600

Re: Bogleheads is back!

Omg, I have been trying since last night! Glad it's working again. Happy investing 2017 to all :sharebeer
by Saphomd
Fri Dec 30, 2016 6:08 pm
Forum: Investing - Theory, News & General
Topic: If you only have 20% in bonds...
Replies: 42
Views: 6847

Re: If you only have 20% in bonds...

:happy Early 50's and proud to have both Total Bond Market Index fund and Tips, both in a Roth with Vanguard.
by Saphomd
Thu Dec 29, 2016 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Mutal Fund Roth vs Brokerage Roth
Replies: 3
Views: 351

Re: Vanguard Mutal Fund Roth vs Brokerage Roth

But my old Roth is a Vanguard Mutual Fund only Roth. The service guy at Vanguard said not many people use that kind anymore. Is there any reason to set up one kind of Roth over the other is I only use Mutual Funds? It's my understanding that you can't open a new account on the mutual fund-side anym...
by Saphomd
Tue Dec 27, 2016 5:36 pm
Forum: Investing - Theory, News & General
Topic: Dollar Cost Averaging
Replies: 17
Views: 1372

Re: Dollar Cost Averaging

Good Vanguard link posted earlier.

Thank you. 8-)
by Saphomd
Tue Dec 27, 2016 1:56 pm
Forum: Investing - Theory, News & General
Topic: Dollar Cost Averaging
Replies: 17
Views: 1372

Re: Dollar Cost Averaging

There are many people who are more comfortable investing a little at a time (DCA). I personally DCA into my Vanguard Index funds every month . I feel comfortable doing it this way. However, there have been some studies where lump-sum investing has provided better returns than DCA. If anyone has any ...
by Saphomd
Mon Dec 26, 2016 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Is my calculation correct? [Effect of expenses on return]
Replies: 4
Views: 453

Is my calculation correct? [Effect of expenses on return]

Suppose a mutual fund charges a 1% fee and you anticipate a 5% return, are you then giving up 20% of your return ( 1% of the 5%) to costs?

Of course, this does not include any inflation or taxes.
by Saphomd
Mon Dec 26, 2016 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Star Fund Question (VGSTX)
Replies: 3
Views: 483

Re: Star Fund Question (VGSTX)

Thanks, so what they were saying is the Star fund lost more than the benchmark ( or index) in down periods.
by Saphomd
Mon Dec 26, 2016 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Star Fund Question (VGSTX)
Replies: 3
Views: 483

Star Fund Question (VGSTX)

I read somewhere from Morningstar that the Star fund has a 108% downside capture compared to other balanced funds. Can someone please explain what downside capture means? Is it because the Star fund invests in "Vanguard funds" instead of equities? (Like the VG Balanced index or Wellington)...
by Saphomd
Sun Dec 25, 2016 8:26 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo
Replies: 84
Views: 10035

Re: Amazon Echo

Can I ask Echo how the stock market is doing?
by Saphomd
Sun Dec 25, 2016 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Active Funds better than Index Funds for coming Bear Market?
Replies: 27
Views: 2203

Re: Active Funds better than Index Funds for coming Bear Market?

Maybe in the short run, but who knows. If, If, If, there is a bear market, my plan is to just stick with my index funds. In the long run, they will come back up, and I win. :sharebeer
by Saphomd
Sun Dec 25, 2016 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index vs American Funds?
Replies: 45
Views: 16467

Re: Vanguard Index vs American Funds?

In my 403(b) plan, there are three new Funds: American funds american balanced R6 ---RLBGX American funds WM R6---------------------RWMGX American funds AMCAP R6-----------------RAFGX I believe in the Class A series, they have a front load fee and higher ER. The load fee is waived in the 403(b) acco...
by Saphomd
Sun Dec 25, 2016 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index vs American Funds?
Replies: 45
Views: 16467

Re: Vanguard Index vs American Funds?

[quote="tibbitts"]I don't understand what everyone is arguing so vehemently about.

I dont either. All I know is, if American funds is included in your retirement plan, then there is no load fee. Also the ER will be lower than the other share classes (non-retirement plan).
by Saphomd
Sat Dec 24, 2016 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Question
Replies: 4
Views: 440

Re: Backdoor Roth Question

Thanks. I already made my contribution to Vanguard which is in a traditional Brokerage IRA ( Federal money market settlement fund). This is what Vanguard set up for me. However, on the website, they want me to open up a new Roth Brokerage. It wont allow me to contribute to my regular Roth IRA which ...
by Saphomd
Sat Dec 24, 2016 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Question
Replies: 4
Views: 440

Backdoor Roth Question

Must I open a traditional brokerage IRA to convert to a backdoor Roth IRA? Or is it possible to open a traditional non-brokerage IRA?

Thanks.
by Saphomd
Fri Dec 23, 2016 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Where can I get some yield on my cash?
Replies: 16
Views: 1023

Re: Where can I get some yield on my cash?

I am having a hard time finding any kind of money market account linked to my checking account that pays anything. The only thing I see is American Express pays 0.9%. Any suggestions? Don't assume that you will be better off in cash than bonds. Let me try to explain. If you don't need the cash for ...
by Saphomd
Wed Dec 21, 2016 9:51 pm
Forum: Investing - Theory, News & General
Topic: Fortune Article - Vanguard Flexes Its Muscle
Replies: 43
Views: 5347

Re: Fortune Article - Vanguard Flexes Its Muscle

Its a good " cult" to be part of. :D
by Saphomd
Wed Dec 21, 2016 1:19 pm
Forum: Investing - Theory, News & General
Topic: What are the REAL reasons to avoid international?
Replies: 71
Views: 5221

Re: What are the REAL reasons to avoid international?

I believe Mr. Bogle said there is enough international exposure in the Vanguard 500 Index fund. :happy
by Saphomd
Mon Dec 19, 2016 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: DCA vs Value Investing
Replies: 2
Views: 472

DCA vs Value Investing

http://www.investopedia.com/articles/stocks/07/dcavsva.asp I was just surfing and found this article. Personally, I DCA every month into the Vanguard 500 Index Admiral Fund and a portion of my paycheck into my 401(k). My question to all Bogleheads out there is: Isn't the purpose of dollar cost avera...
by Saphomd
Sun Dec 18, 2016 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Anyone read Vanguard's commentary on rising interest rates?
Replies: 14
Views: 2395

Re: Anyone read Vanguard's commentary on rising interest rates?

All you really need to know :



It's helpful to keep in mind the silver lining—higher rates can benefit long-term investors. The higher cumulative income from reinvested dividends and compound interest can outweigh the front-end volatility from rising rates over the long run."
by Saphomd
Fri Dec 16, 2016 4:53 pm
Forum: Investing - Theory, News & General
Topic: Investing in the current market?
Replies: 26
Views: 2956

Re: Investing in the current market?

I am in my early 50's and my AA with Vanguard is 75/25. Yes , it is risky to have that much in stocks but I plan to rebalance before this year is over. I plan to increase my bond portion to at least 40%. If I rebalance by taking out from my VG 500 index (taxable account) into my Total Bond Market in...
by Saphomd
Thu Dec 15, 2016 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Question about the Yield Curve
Replies: 7
Views: 478

Re: Question about the Yield Curve

I read it on thebalance.com. Can't find the link. Not very good with computers :oops:
by Saphomd
Thu Dec 15, 2016 10:25 pm
Forum: Investing - Theory, News & General
Topic: "How a Second Grader Beats Wall Street" -- A Gem
Replies: 79
Views: 18198

Re: "How a Second Grader Beats Wall Street" -- A Gem

Mr. Bogle also says in his book "Common sense on mutual funds":

Foreign funds may reduce a portfolio's volatility, but their economic and currency risks may reduce returns by a still larger amount.
Correctly said.
by Saphomd
Thu Dec 15, 2016 10:14 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 13363

Re: How old is your vehicle?

Hyundai Accent 2012. I only have about 30 thousand miles on it. Nice reliable little car and no problems so far. :)
by Saphomd
Thu Dec 15, 2016 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Question about the Yield Curve
Replies: 7
Views: 478

Question about the Yield Curve

I was recently reading an article online about the yield curve and how it can predict the future economy. It stated that in January 2006 the curve started to flatten. Then the yield on the 10 year note was 4.37% and how it then became inverted which in turn predicted the recession of 2008. Also in A...
by Saphomd
Thu Dec 15, 2016 9:43 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2261
Views: 559946

Re: What Movie Have You Recently Watched?

I dont know if this counts as a movie, but I just finished watching on DVD:

The Grateful Dead, View from the Vault 111 (From the Shoreline in Mountain View, CA 1990).

I really enjoyed it.

Thank you.
by Saphomd
Thu Dec 15, 2016 9:02 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2064
Views: 555269

Re: What Book Are You Currently Reading? Part VI

I am currently reading two books:

How a second grader beats Wall Street, by Allen Roth

The investors manifesto, by William Bernstein.


I should have read both these two books years ago. Better late than never. :happy
by Saphomd
Thu Dec 15, 2016 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: How to perform the backdoor Roth on the Vanguard website?
Replies: 10
Views: 1310

Re: How to perform the backdoor Roth on the Vanguard website?

If you dont call them about the 5 cents, then are you not over the max limit? (5500 under age 50).
by Saphomd
Thu Dec 15, 2016 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Quick question about bond funds
Replies: 5
Views: 472

Quick question about bond funds

Why are short term bond funds less interest rate sensitive and long term bond funds more sensitive to increasing interest rates?
Thank you Bogleheads.
by Saphomd
Wed Dec 14, 2016 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Good News For Bonds!
Replies: 98
Views: 11438

Re: Good News For Bonds!

I will continue to DCA into my VG Total Bond Market Index fund monthly. I just dont know if I should contribute to my Star Fund which I believe has 40% bonds and if any future interest rate hikes will decrease the bond price because of its equity holdings. My guess is yes.
by Saphomd
Tue Dec 13, 2016 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Telephoning Vanguard
Replies: 75
Views: 4733

Re: Telephoning Vanguard

Currently on hold for approximately 1 hour. Waiting to speak with brokerage services. :annoyed
by Saphomd
Fri Dec 09, 2016 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Should I remain on the sidelines until the crash? Or invest now?
Replies: 38
Views: 6603

Re: Should I remain on the sidelines until the crash? Or invest now?

Nobody knows what the market will do. If it crashes I dont think it really matters if you are well diversified and your AA is where you want it to be. Personally I DCA every month if the market is up or down. Dont try to time the market.
by Saphomd
Thu Dec 08, 2016 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Addicted to investing?
Replies: 17
Views: 1719

Re: Addicted to investing?

All my investments are with Vanguard, mostly index funds and a couple of Vanguard active funds. Everyday before I go to work, I like to go online and see what Morningstar, the Street, Kiplingers, etc has to say about the market and investing in general. There are times when I feel like something is ...
by Saphomd
Thu Dec 08, 2016 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Current Market rally
Replies: 61
Views: 7671

Re: Current Market rally

All I know is: What goes up, will go down. (Who knows when). What goes down, will go up. (Who knows when).
If you are a long term investor, do nothing.
by Saphomd
Wed Dec 07, 2016 12:47 am
Forum: Forum Issues and Administration
Topic: Did you know? Tips for using bogleheads.org
Replies: 36
Views: 28130

Re: Did you know? Tips for using bogleheads.org

Is there a way to have an avatar next to the name?
by Saphomd
Tue Dec 06, 2016 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds: You can beat the Index
Replies: 23
Views: 3189

American Funds: You can beat the Index

Hi Bogleheads: I was reviewing some of the funds held in my 403(b) this morning. This is what their website says on the main page. I am glad I dont invest with them. "Investing in an index fund means investors won’t do worse than the overall market, but it guarantees they’ll never do better. So...
by Saphomd
Mon Dec 05, 2016 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Conference 2017?
Replies: 4
Views: 1239

Boglehead Conference 2017?

Does anyone have any information about a Boglehead conference for next year? I know its still early but I thought I would ask anyway. I have not attended one but sure would like to meet many wonderful people.
by Saphomd
Mon Dec 05, 2016 7:09 pm
Forum: Investing - Theory, News & General
Topic: Where do you put your cash?
Replies: 73
Views: 11844

Re: Where do you put your cash?

I keep my cash in Sterling Bank and Trust MMA at 0.75% yield. From this MMA I DCA into a couple of Vanguard Index funds on a monthly basis. :happy
by Saphomd
Sat Dec 03, 2016 8:05 pm
Forum: Investing - Theory, News & General
Topic: Article on expense ratios [effect on fund performance]
Replies: 5
Views: 455

Article on expense ratios [effect on fund performance]

Greetings:

Does anyone have a link I can go to about how low and high ER affect a fund performance over 20 years or so?

Thanks.

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