Search found 16 matches

by eurobogle
Tue Oct 03, 2017 10:53 pm
Forum: Investing - Theory, News & General
Topic: Shooting for the moon as a young investor
Replies: 19
Views: 2078

Re: Shooting for the moon as a young investor

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. On reflection I suspect that you are right. On the one hand it's easy to say "you are young, you can always save another $50K later." On the other ha...
by eurobogle
Tue Oct 03, 2017 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Help with private investment opportunity
Replies: 47
Views: 2634

Re: Help with private investment opportunity

I started another thread at a tangent to this one: on the general idea of "shooting for the moon" as a young investor with an investment like this as one potentially investment amongst others.
by eurobogle
Tue Oct 03, 2017 8:50 pm
Forum: Investing - Theory, News & General
Topic: Shooting for the moon as a young investor
Replies: 19
Views: 2078

Shooting for the moon as a young investor

Thought experiment: Suppose that you are a young person who has decided to make a single large bet on a risky proposition with a potential quick ~20x return (like this poster ). If it goes well then your return may be life-altering e.g. freedom to choose from more personally exciting career trajecto...
by eurobogle
Mon Jun 05, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Article: Compare ROI of college education vs S&P500
Replies: 52
Views: 3544

Re: Article: Compare ROI of college education vs S&P500

chasing the dollars above all in terms of your life career choices is usually a poor decision The article reinforces this point, right? They suggest that if you have the cash to go to college you but would prefer to do something else then that's fine. Just invest your cash in the S&P500 and then go...
by eurobogle
Mon Jun 05, 2017 6:22 am
Forum: Personal Consumer Issues
Topic: Article: Compare ROI of college education vs S&P500
Replies: 52
Views: 3544

Re: Article: Compare ROI of college education vs S&P500

Those numbers are dramatically different than the ones he presented. I wonder why mine are so different from his? Good question. Is it that the article is talking about "Expected ROI" which is adjusted by the graduation rate? I wonder what the numbers would have looked like in 2009. It does seem li...
by eurobogle
Mon Jun 05, 2017 5:36 am
Forum: Personal Consumer Issues
Topic: Article: Compare ROI of college education vs S&P500
Replies: 52
Views: 3544

Re: Article: Compare ROI of college education vs S&P500

So I went to college, and he got a job at Burger King. You can extrapolate from there. Here is how I would extrapolate in the specific context of the linked article: If two people start with the same circumstances, and one of them invests time and money in a college education while the other invest...
by eurobogle
Mon Jun 05, 2017 3:37 am
Forum: Personal Consumer Issues
Topic: Article: Compare ROI of college education vs S&P500
Replies: 52
Views: 3544

Article: Compare ROI of college education vs S&P500

I found this article thought provoking: On average, foregoing college in favor of entering the workforce + investing tuition costs nets higher returns http://erikrood.com/Posts/college_roi_.html . This sets off a few trains of thought for me... To what extent is higher education a system of wealth t...
by eurobogle
Wed Jan 11, 2017 4:51 pm
Forum: Investing - Theory, News & General
Topic: Incremental retirement?
Replies: 11
Views: 1407

Re: Incremental retirement?

This might or might not be a fine idea depending on what you would do with the time. Sometimes a full time job is just too much of a grind, but working half time is great. Or you have some hobbies or volunteer work you really want to do and so you are willing to push our retirement as the trade for...
by eurobogle
Wed Jan 11, 2017 3:54 pm
Forum: Investing - Theory, News & General
Topic: Incremental retirement?
Replies: 11
Views: 1407

Re: Incremental retirement?

Well, that depends. If you're spending 3/4 of your take-home pay annually, going half-time would cause you to run a deficit and deplete the savings you have built up. My model says otherwise. I wonder what the difference is? Do you account for investment returns during the accumulation phase? Or ha...
by eurobogle
Wed Jan 11, 2017 12:28 pm
Forum: Investing - Theory, News & General
Topic: Incremental retirement?
Replies: 11
Views: 1407

Re: Incremental retirement?

The key concept here is flexibility. [...] As long as you do not make any decisions that you cannot take back, it seems like an interesting plan. I like this way of thinking. However, I do see this plan as an irrevocable decision to spend a decade (say) with a more variable lower-bound on income an...
by eurobogle
Wed Jan 11, 2017 7:00 am
Forum: Investing - Theory, News & General
Topic: Incremental retirement?
Replies: 11
Views: 1407

Incremental retirement?

Question: If I have accumulated 50% of my retirement savings (based on SWR model) then is it safe to "50% retire" immediately? I mean: Could I immediately start to draw half of my living costs from my retirement portfolio (supposing this were accessible) and then continue working to (a) pa...
by eurobogle
Sat Jan 07, 2017 12:03 pm
Forum: Investing - Theory, News & General
Topic: Swiss Franc back down?
Replies: 4
Views: 799

Re: Swiss Franc back down?

Thank you both for the excellent replies. This casts a negative light on the strategy of earning Euros, investing them in a world-diversified portfolio, and waiting for the Franc to come down. This would be fine if the full story were that the Franc is temporarily overvalued. However, it is less att...
by eurobogle
Thu Jan 05, 2017 9:14 am
Forum: Investing - Theory, News & General
Topic: Swiss Franc back down?
Replies: 4
Views: 799

Swiss Franc back down?

Innocent questions: Why has the Swiss Franc (CHF) risen so much value against the Euro over the past 10 years? What economic forces might plausibly pressure it back down to 2007 levels? I ask because I live in Switzerland but my income is from abroad and my investments are internationally diversifie...
by eurobogle
Sat Jul 19, 2014 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: IEAG for European three-fund portfolio
Replies: 2
Views: 426

Re: IEAG for European three-fund portfolio

Being correlated with equities sounds unfortunate. I understand that a big reason for the stock/bond split is to be able to rebalance for stability.

I live in Switzerland but I don't want to buy government bonds here because the economy seems too small. German bonds instead, then?
by eurobogle
Thu Jul 17, 2014 2:02 am
Forum: Investing - Help with Personal Investments
Topic: IEAG for European three-fund portfolio
Replies: 2
Views: 426

IEAG for European three-fund portfolio

I am using the iShares Euro Aggregate Bond UCITS ETF for the bonds component of my simple European three-fund portfolio.

Is this a good choice? If not, why not and what should I consider instead?
by eurobogle
Sat Jun 07, 2014 6:51 am
Forum: Investing - Help with Personal Investments
Topic: First investment plan, for early retirement
Replies: 1
Views: 383

First investment plan, for early retirement

Hello! We have made our first investment plan and would love some feedback about how it suits our goals. Background: Young family (30s) living in Europe. Investment Philosophy: Enjoy today and be prepared for the future. Objectives: ⋅  Retire early. ⋅  Have "retirement asset...