Search found 48 matches

by Xyz214
Tue May 23, 2017 7:51 am
Forum: Investing - Theory, News & General
Topic: Why Invest in Average?
Replies: 34
Views: 3001

Re: Why Invest in Average?

It's a completely plausible idea which makes intuitive sense... It just doesn't quite work out that way in practice. The question I have now is why so few funds manage to beat the indices - even accounting for survivor bias, shouldn't roughly 50% of funds be above average? And yet, it's not even cl...
by Xyz214
Sun Mar 26, 2017 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Where to Invest a Bit of a Windfall
Replies: 10
Views: 1143

Re: Where to Invest a Bit of a Windfall

Why not Vanguard Total International? Its valuation certainly looks better than the US'.
by Xyz214
Thu Jan 12, 2017 8:48 am
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 224
Views: 19208

Re: How Bad was 2008, really?

In case this hasn't been mentioned, seeing people getting laid off left and right made me really nervous about my job.
by Xyz214
Thu Jan 12, 2017 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Been renting for 10 years. Is it about time for me to get my own place?
Replies: 11
Views: 1912

Re: Been renting for 10 years. Is it about time for me to get my own place?

It sounds like I should wait for now. I just calculated the CAGR of my rent for the past 10 years. It comes out to 2.42, which is not as bad I thought. physiorol, I'm afraid my income growth will be limited for the rest of my career. I'm in individual contributor and in tech where agism exists. jimb...
by Xyz214
Wed Jan 11, 2017 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Been renting for 10 years. Is it about time for me to get my own place?
Replies: 11
Views: 1912

Been renting for 10 years. Is it about time for me to get my own place?

Hi. I live in HCOL city and have been renting the past 10 years. My rent keeps increasing so I've been debating lately whether I should buy my own place to achieve more stable housing cost going forward and to build equity. I'm currently paying 2400 for a small studio. Here are my information. Age: ...
by Xyz214
Sat Sep 24, 2016 12:18 pm
Forum: Investing - Theory, News & General
Topic: The Trouble with "Buy and Hold"
Replies: 141
Views: 13275

Re: The Trouble with "Buy and Hold"

OP, the reality is you don't just invest at one point. Most people in accumulation phase would have continuously invested after the tech bubble. This means they reached breakeven much sooner than you think.
by Xyz214
Sat Sep 24, 2016 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Invest entire $1M windfall now or over time?
Replies: 39
Views: 5344

Re: Invest entire $1M windfall now or over time?

Invest at least 30% of it now and DCA the rest in two year schedule. If you become more comfortable with the market after experiencing large price movements, accelerate your DCA schedule. Along the way, keep learning. One book I highly recommend is "Investor's Manifesto" by William Bernste...
by Xyz214
Sun Jul 31, 2016 10:32 am
Forum: Investing - Theory, News & General
Topic: Investing at stock market highs
Replies: 52
Views: 4929

Re: Investing at stock market highs

this question comes up atleast once a month here. To summarize, you will get one of the responses below 1. Put it all in at once 2. Put it in regular intervals 3. Wait for a drop - put some in. Repeat until done I tend to favor 3rd option as every one of my buddies made much higher returns than mar...
by Xyz214
Sun Jul 31, 2016 9:31 am
Forum: Investing - Theory, News & General
Topic: Investing at stock market highs
Replies: 52
Views: 4929

Re: Investing at stock market highs

50K seemed like a large sum to me when I just started investing. Now, I see more than 50K movement over few days/weeks and I don't lose sleep about it. What helps is knowing that I don't need the money any time soon. Given that you have 3-4 decades ahead of you, invest now and be done with it. Educa...
by Xyz214
Sun Jul 24, 2016 7:45 pm
Forum: Investing - Theory, News & General
Topic: Remind me once again why I can't time the market?
Replies: 75
Views: 8426

Re: Remind me once again why I can't time the market?

I didn't read other people's posts. Sorry if what I'm going to say has already been said. I suggest you save your energy in doing something else. Just automate your investment. If history is your guide, chances are you'd be doing worse with your "buy in the dip" strategy since the market g...
by Xyz214
Thu May 12, 2016 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Prenup, middle age couple no children
Replies: 22
Views: 3611

Re: Prenup, middle age couple no children

I felt sad reading the OP. Both of you are matured and have been together for 8 years and I'm guessing both are educated also. Given these, the probability of getting a divorce later is really low. Why can't you trust yourself and her that you two will stick together through thick and thin? And why ...
by Xyz214
Sat Apr 16, 2016 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Postnuptial agreement for Physician
Replies: 94
Views: 8008

Re: Postnuptial agreement for Physician

Hi, My wife and I recently got married and joined our finances. We currently don't have any significant assets (she has about 30K in student loan debt, and 25K in her retirement account; while I have 16K in car debt, no student loans). I am a physician and she is a nurse. I am still in training, an...
by Xyz214
Sat Apr 16, 2016 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Postnuptial agreement for Physician
Replies: 94
Views: 8008

Re: Postnuptial agreement for Physician

OP. Divorce rate is not as bad as you think. From http://www.bls.gov/opub/mlr/2013/article/marriage-and-divorce-patterns-by-gender-race-and-educational-attainment.htm "The chance of a marriage ending in divorce was lower for people with more education, with over half of marriages of those who d...
by Xyz214
Sun Apr 03, 2016 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving a LBYM lifestyle ["Living Below" to "Living At" Your Means]
Replies: 54
Views: 7288

Re: Leaving a LBYM lifestyle

At your current income level, you can definitely afford it. Are you confident you can sustain same level of income for next 10, 15 years?
by Xyz214
Fri Feb 26, 2016 5:09 am
Forum: Investing - Theory, News & General
Topic: Where does the money go when stocks and bonds are in the red ?
Replies: 34
Views: 5030

Re: Where does the money go when stocks and bonds are in the red ?

There is no "money". When you see the price of a share of stock or a bond, what you see is the amount it could be sold for. It is just the price that that investment is trading for at the moment. There's money! Stock price goes up because someone put in money into the stock and it goes do...
by Xyz214
Sat Nov 07, 2015 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Have people who want early retirement actually BETA-TESTED it to see if you like it?
Replies: 13
Views: 1423

Re: Have people who want early retirement actually BETA-TESTED it to see if you like it?

I had a month break in between jobs 5 years ago. I travelled, read books, worked out and did whatever I liked. What I realized in my experience, it's not enjoyable if I have do all the fun things just myself. I know extreme ER is not for me. Right now, I'm aiming to retire around 55 and be FI ASAP. ...
by Xyz214
Tue Nov 03, 2015 8:33 pm
Forum: Personal Consumer Issues
Topic: Organic Food: Costco vs Trader Joe's vs Local Super market
Replies: 33
Views: 4749

Re: Organic Food: Costco vs Trader Joe's vs Local Super market

I eat organic frozen blueberries for breakfast everyday. We buy the 3 pound bag from CostCo for about $11. At Whole Foods, the 10 ounce bag is $4 and at Trader Joe's, the 12 ounce bag is $3. Since the blueberries are Kirkland brand, they always seem to be available. I don't buy anything else on you...
by Xyz214
Tue Oct 13, 2015 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: I am scared of a bear is it ok to take longer to go in?
Replies: 36
Views: 3814

Re: I am scared of a bear is it ok to take longer to go in?

I am 55 and would like it to last 30 years. I do not care to list the amount at this time. I would take out no more than 4%. I am thinking about a 60/40 AA How does this plan sound? 60/40 is a reasonable asset allocation for people your age. But ultimately, as Larry Swedroe said, your asset allocat...
by Xyz214
Mon Oct 12, 2015 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: I am scared of a bear is it ok to take longer to go in?
Replies: 36
Views: 3814

Re: I am scared of a bear is it ok to take longer to go in?

It took me 2 years to put in 200+k. I started with contributing smaller amount on the first year and after I felt more comfortable with the market, I accelerated and was done by the end of the second year. I suggest invest now using your 5 year schedule. Remember the best time to invest is now. The ...
by Xyz214
Sat Oct 10, 2015 12:31 pm
Forum: Investing - Theory, News & General
Topic: New investors: how did your first correction go?
Replies: 100
Views: 8854

Re: New investors: how did your first correction go?

I started investing boglehead-style towards the end of 2011. Honestly, I didn't even know we had a correction (> 10% drop). I just noticed my portfolio value dropped and was thinking what's happening is healthy for the market. It should wiggle out speculators. Also, I was thankful I get to buy share...
by Xyz214
Thu Oct 01, 2015 7:29 am
Forum: Investing - Help with Personal Investments
Topic: You can time the market...
Replies: 47
Views: 5161

Re: You can time the market...

Have you heard of Value Averaging? You'll probably get better result with it instead of second-guessing the market.
by Xyz214
Mon Sep 28, 2015 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: Put investing on hold given current market conditions and pay down debt? What's a Boglehead to do?
Replies: 35
Views: 3658

Re: Put investing on hold given current market conditions and pay down debt? What's a Boglehead to do?

Also, you don't need to stop investing altogether. You can just re-allocate certain percentage of your new money to paying off the loan. Personally, I will continue maxing out my tax-advantage account. If you don't utilize them, you lose them forever.
by Xyz214
Mon Sep 28, 2015 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Put investing on hold given current market conditions and pay down debt? What's a Boglehead to do?
Replies: 35
Views: 3658

Re: Put investing on hold given current market conditions and pay down debt? What's a Boglehead to do?

Go head but not for the reason you mentioned. If you continue stopping to invest because of market downturn, you will do worse as your average cost basis will be higher (only buying when market is going up) than a typical boglehead who continues to buy regardless of market condition. If you have tim...
by Xyz214
Sat Apr 11, 2015 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: how to deal with it [regret over past investing choices]
Replies: 74
Views: 9994

Re: regret and depression...how to deal with it

I realized I missed out on the gain towards the end of 2011 so I started educating myself by hanging out in here everyday and also read over ten books recommended in the wiki. Then, I felt more comfortable but not enough to invest everything at the same time. What I did was to put 20% of the cash to...
by Xyz214
Sat Mar 21, 2015 4:47 pm
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 10443

Re: The one area I disagree with Jack

You can't rebalance SS to equities when the market is down.
by Xyz214
Mon Jan 26, 2015 4:39 pm
Forum: Investing - Theory, News & General
Topic: Do any young investors use Only fixed income?
Replies: 35
Views: 4298

Re: Do any young investors use Only fixed income?

would you be able to recommend such a book(s) please? The Wiki maintains some lists of recommended readings, and people comment on good books here a lot. Here is a list of that includes a short list of books people here consider extremely valuable, as well as a very long list of other good books. A...
by Xyz214
Wed Dec 31, 2014 12:37 pm
Forum: Investing - Theory, News & General
Topic: Why donate to charity?
Replies: 61
Views: 5494

Re: Why donate to charity?

I don't think scenario 2 is correct. It should be You: -$0.67 IRS: -$0.33 Charity: +$1.00 Was going to say, you can't make money by giving it away. Gifting of appreciated shares can come close to be an exception to this. For example, I have some ETF shares I donate which are worth around 5 times wh...
by Xyz214
Wed Dec 31, 2014 11:54 am
Forum: Investing - Theory, News & General
Topic: Why donate to charity?
Replies: 61
Views: 5494

Re: Why donate to charity?

Short answer. You don't donate to save money (because you won't). You donate to give money. This from an above post explained it: Scenario 1: You do not donate to any charity. You: + $0.67 IRS: + $0.33 Charity: $0 Scenario 2: You donate the buck to charity. You: +$0.33 IRS: -$0.33 Charity: +$1.00 I...
by Xyz214
Sat Dec 27, 2014 11:09 am
Forum: Investing - Help with Personal Investments
Topic: butterflies investing $500K
Replies: 28
Views: 4283

Re: butterflies investing $500K

I'm 30. I have accumulated $500K cash from my job in a regular savings account, and my job is (hopefully) pretty stable. I also have $230K saved in a Vanguard 401k (Target 2050, 90% stock/10% bond). I've decided that I need to do something smarter with my cash instead of watching it lose value. I'v...
by Xyz214
Sat Dec 27, 2014 10:56 am
Forum: Investing - Help with Personal Investments
Topic: butterflies investing $500K
Replies: 28
Views: 4283

Re: butterflies investing $500K

I was in similar situation 3 years ago but with smaller amount 300+K. Here's what I did. I lump-summed 20% and DCA'd for two years. The first year was with smaller amount - around 5K per month. On the second year, after I became comfortable, I accelerated my DCA and by end of the year, I was almost ...
by Xyz214
Tue Apr 22, 2014 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Security Risk in Donating Appreciated Vanguard Shares
Replies: 6
Views: 521

Re: Security Risk in Donating Appreciated Vanguard Shares

jebmke wrote:We do everything through a VG DAF. Online donation of securities, online grants to charities. No fuss, no muss.


I'll have to look into DAF. My impression is DAF is less flexible since from the start you earmarked the funds for charity.
by Xyz214
Tue Apr 22, 2014 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Security Risk in Donating Appreciated Vanguard Shares
Replies: 6
Views: 521

Re: Security Risk in Donating Appreciated Vanguard Shares

livesoft wrote:Here's what we did: We didn't worry about it at all.


:)

I think I might have found a solution. I'm going to ask Vanguard to always give me call before processing fund transfer request. Let's see if Vanguard will indeed call me in my future donation.
by Xyz214
Tue Apr 22, 2014 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Security Risk in Donating Appreciated Vanguard Shares
Replies: 6
Views: 521

Security Risk in Donating Appreciated Vanguard Shares

On page 1 in https://personal.vanguard.com/pdf/fgfs.pdf, it says: 1. As the giver of the fund shares, you only complete Section 1. 2. Send the form, along with then enclosed Organization form and the postage-paid envelope, to your recipient So Vanguard wants me to fill section 1 of the form and have...
by Xyz214
Thu Mar 13, 2014 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Savings Growth exceeds Annual Retirement Expense
Replies: 29
Views: 3769

Re: Retirement Savings Growth exceeds Annual Retirement Expe

It looks like early 40's is the inflection point for the "average" boglehead. If everything goes as planned, I should be on schedule. :happy

I will reply to others later today. Have a good day everyone.
by Xyz214
Thu Mar 13, 2014 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Savings Growth exceeds Annual Retirement Expense
Replies: 29
Views: 3769

Re: Retirement Savings Growth exceeds Annual Retirement Expe

At age 41, we hit this. All it took was for us to become a two income family. Prior to that we were living on, paying down debt, and saving a little on one income. The second person went to work and had an income greater than our total expenses till then. We saved all of the second persons income. ...
by Xyz214
Tue Mar 11, 2014 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Savings Growth exceeds Annual Retirement Expense
Replies: 29
Views: 3769

Re: Retirement Account Growth exceeds Annual Retirement Expe

We're at the next inflection point - average return on investable assets (you said retirement accounts but I also include our taxable brokerage accounts, but not RE or 529s which hopefully have funded kids college) is more than double our estimated retirement expenses. At age 53 (DW age 47) we are ...
by Xyz214
Tue Mar 11, 2014 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Savings Growth exceeds Annual Retirement Expense
Replies: 29
Views: 3769

Re: Retirement Account Growth exceeds Annual Retirement Expe

How you're doing relative to others makes this question quite strange. My living expenses are less than my annual contributions to max out my 401k (17.5K). So by that definition, my retirement account growth exceeded expenses from the first day of my first job. 1.2M in retirement accounts at 41 is ...
by Xyz214
Tue Mar 11, 2014 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Savings Growth exceeds Annual Retirement Expense
Replies: 29
Views: 3769

Re: Retirement Account Growth exceeds Annual Retirement Expe

I think I see what you're (Xyz214) getting at. If this year's savings+growth equals one year's expected expenses in retirement (in today's dollars), then in one year you've saved+gained enough to cover one year of retirement, assuming that the money grows at the rate of inflation. In practice, long...
by Xyz214
Tue Mar 11, 2014 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Savings Growth exceeds Annual Retirement Expense
Replies: 29
Views: 3769

Re: Retirement Account Growth exceeds Annual Retirement Expe

Nathan Drake wrote:Still wondering how someone amasses 1.2M in a typical retirement account by 41.

Is this combined income?


I'm single. The sum will be from 401K and taxable account.
by Xyz214
Tue Mar 11, 2014 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Savings Growth exceeds Annual Retirement Expense
Replies: 29
Views: 3769

Re: Retirement Account Growth exceeds Annual Retirement Expe

I am not sure I understand the logic of including your contributions in the calculation. After all, you won't be contributing when you are retired. Thus, I would look at growth only. I am 56 (and not yet retired), and my portfolio growth began exceeding my annual retirement spending probably 25 yea...
by Xyz214
Tue Mar 11, 2014 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Savings Growth exceeds Annual Retirement Expense
Replies: 29
Views: 3769

Re: Retirement Account Growth exceeds Annual Retirement Expe

I am not following? By age 41 your accounts are growing greater than $120,000 per year with contribution and investment gains? However, you are assuming a 5% return? Can you explain a little more? Thanks. Portfolio Size by 41 is 1.2MM. 5% of that is 60K + 60K contribution = 120K So by 41, I'll have...
by Xyz214
Tue Mar 11, 2014 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Savings Growth exceeds Annual Retirement Expense
Replies: 29
Views: 3769

Retirement Savings Growth exceeds Annual Retirement Expense

At what age did your retirement savings start increasing annually by your expected expense on retirement? For example, based on my calculation, I will need $120,000 annually when I retire. My forecast is that by 41, my retirement savings will grow by at least $120,000 annually, includes new contribu...
by Xyz214
Sun Feb 16, 2014 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Advice for computer science student
Replies: 33
Views: 3237

Re: Advice for computer science student

Thanks guys. At this point, she wants to take whatever she can get. Software development, QA, project management, technical writing. Pretty much anything. She has tried looking for jobs before (technical writing and that sort of stuff) without much luck. They usually want you to know something abou...
by Xyz214
Sat Jan 25, 2014 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Zowie, what a day. Thanks, all!
Replies: 52
Views: 4694

Re: Zowie, what a day. Thanks, all!

With about twenty years till retirement, this was a good day. A bad day is when the market goes up. Going up just means the next purchase is going to be more expensive. It's important to remember which side you are on: a buyer or a seller. I sure don't do a lot of crying when my favorite beer goes ...
by Xyz214
Wed Nov 27, 2013 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Sell Stocks (Taxable) to pay cash for House
Replies: 22
Views: 2880

Re: Sell Stocks (Taxable) to pay cash for House

Why not just sell some of your taxable and put a bigger downpayment? How old are you and what's your current allocation? By selling everything in taxable, you may end up too light in equity. And this will be like selling everything and dollar cost averaging into the market again with your monthly in...
by Xyz214
Fri Oct 11, 2013 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Talk me down
Replies: 77
Views: 7371

Re: Talk me down

If you have a mechanical way of picking stock, why don't you backtest it? Instead of testing out for few years and missing out on the gain. If your thing works in all time periods, invest now and become rich. Good luck with your endeavor.
by Xyz214
Sat Aug 24, 2013 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review- High income, NY/NJ, 529, Roth 401k, EM
Replies: 26
Views: 2491

Re: Portfolio Review- High income, NY/NJ, 529, Roth 401k, EM

I work in a mega bank. What flashes said is true

Go to advanced search