Search found 711 matches

by red5
Fri Aug 19, 2016 4:33 am
Forum: Investing - Help with Personal Investments
Topic: spreadsheet [to organize a portfolio]
Replies: 21
Views: 1676

Re: spreadsheet

I recently discovered an online and free version of Excel. I haven't really checked it out yet but it might be worth it.
by red5
Thu Aug 04, 2016 4:32 am
Forum: Investing - Help with Personal Investments
Topic: Help: Calculating overall % gains
Replies: 10
Views: 482

Re: Help: Calculating overall % gains

I believe if you want to know how you are doing it is more meaningful to calculate your annualized rate of return rather than your overall return. Let me give you a couple of reasons why. Let's say you invested $100 and it has turned into $150 for a 50% gain. That 50% gain seems nice and is if you j...
by red5
Wed Jun 29, 2016 4:26 am
Forum: Investing - Theory, News & General
Topic: VTSMX vs VTI compounding interest?
Replies: 14
Views: 1299

Re: VTSMX vs VTI compounding interest?

Let's say I have 10K I want to put in either VTSMX or VTI. If I purchase 10K shares of VTSMX, with my understanding, I believe this will have higher compounding of interest over the long term, say 20-30 years, since share prices are lower and can therefore be bought quicker with the reinvested divi...
by red5
Fri Jun 03, 2016 4:31 am
Forum: Investing - Help with Personal Investments
Topic: Getting Started: USAA vs Vanguard?
Replies: 17
Views: 1357

Re: Getting Started: USAA vs Vanguard?

I don't exactly know if it matters or not. But consider using USAA for your banking and insurance needs and Vanguard for your investing needs. That is what I do and am happy with that.
by red5
Mon May 09, 2016 7:17 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to SC or TX
Replies: 31
Views: 3502

Re: Thinking of moving to SC or TX

Currently live in MO, but seriously considering moving to TX or SC. Anybody live there or have any advice or guidance on either location? Also - anybody ever sell their own house without using an agent? I spent 3 years in Greenville, SC but ultimately decided to move away due to the hot weather and...
by red5
Thu May 05, 2016 6:48 am
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 12944

Re: Sci-Fi ... your favorite movies and episodes??

Interested in seeing what the group likes best. My all time favorites are Avatar as a movie, the last two episodes of Star Trek Voyager, where Janeway time travels to defeat the Borg and return Voyager home. The Stargate introductory movie, the Star Trek Enterprise season end and start episodes whe...
by red5
Fri Apr 08, 2016 5:01 am
Forum: Personal Consumer Issues
Topic: Stay in city or move out to suburbs?
Replies: 33
Views: 2656

Re: Stay in city or move out to suburbs?

Only you can determine if the burbs are for you. It's a huge life decision and I sincerely hope you make the correct choice. I want to say that it also should not be a financial decision but rather a lifestyle decision (to include the schools). As for me, a few years ago I made the wrong choice (ras...
by red5
Thu Apr 07, 2016 4:28 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage payment same day as closing?
Replies: 8
Views: 754

Re: Mortgage payment same day as closing?

Last summer our closing date coincided with our payment due date. I simply called my bank and asked them what they wanted to do (also since giving payment can change the HUD numbers). They told me not to pay and that essentially my payment (along with the rest of the remaining balance) would be paid...
by red5
Thu Apr 07, 2016 4:24 am
Forum: Personal Consumer Issues
Topic: Dallas suburbs or Northern Virginia for me?
Replies: 87
Views: 6448

Re: Dallas suburbs or Northern Virginia for me?

Also, at the very least, rent and don't buy in either place until you know it is a place you want to settle down in.
by red5
Thu Apr 07, 2016 4:23 am
Forum: Personal Consumer Issues
Topic: Dallas suburbs or Northern Virginia for me?
Replies: 87
Views: 6448

Re: Dallas suburbs or Northern Virginia for me?

We recently tried a move to a low cost of area that was very economically prosperous (at least relative to where we were coming from) in an area that was perhaps not as good a fit for us in terms of lifestyle. Sort of like your Dallas. Well 3 years later and we are back to our original area. So I su...
by red5
Thu Mar 24, 2016 4:41 am
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Fund
Replies: 22
Views: 2085

Re: Target Retirement Fund

I am figuring out what to do with my wife's ROTH IRA. It houses about $15k. I am considering dumping it all into Vanguard's 2055 Target Retirement Fund (VFFVX). What is the sentiment around here about Vanguard Target Retirement Funds? Vanguards retirement funds are one of the great ways to invest f...
by red5
Thu Mar 24, 2016 4:39 am
Forum: Investing - Help with Personal Investments
Topic: Are you changing your asset allocation?
Replies: 9
Views: 863

Re: Are you changing your asset allocation?

2comma wrote:Stay the course...


I'll second that.
by red5
Wed Mar 23, 2016 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Has your definition of "a lot" of money changed?
Replies: 57
Views: 5487

Re: Has your definition of "a lot" of money changed?

I suppose my question is, is it normal to have some trepidation as the money grows? Did your definition of "a lot of money" change as your balances grew? My definition of "a lot of money" does change as we accumulate and earn more just like my definition of "old" chang...
by red5
Tue Mar 22, 2016 4:29 am
Forum: Investing - Theory, News & General
Topic: mutual funds or ETF
Replies: 6
Views: 755

Re: mutual funds or ETF

Neither is better. Pick the one you are most comfortable with.
by red5
Mon Mar 21, 2016 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Franchises - the good and the bad?
Replies: 14
Views: 1769

Re: Franchises - the good and the bad?

As a very young adult I worked for a food franchise and got to know the owner. The owner was simply a glorified employee. However this is not to say that all franchises would be like this though.
by red5
Mon Mar 21, 2016 3:46 am
Forum: Investing - Theory, News & General
Topic: Gains, Losses, and Recovery Time
Replies: 10
Views: 1077

Re: Gains, Losses, and Recovery Time

Small sample sizes...
by red5
Fri Mar 18, 2016 4:45 am
Forum: Investing - Theory, News & General
Topic: Ben Graham [Asset allocation]
Replies: 20
Views: 2806

Re: Ben Graham [Asset allocation]

Ben Graham said an investor should hold no more than 75% in equities. Do you think in today's low yield environment in bonds, he would even suggest owning bonds. Warren Buffett thinks bonds are a terrible investment right now. And Jack thinks they should be held to have some anchor to windward, but...
by red5
Thu Mar 17, 2016 4:44 am
Forum: Investing - Help with Personal Investments
Topic: Dividend and Capital Gains Reinvestment Option - Vanguard
Replies: 10
Views: 1399

Re: Dividend and Capital Gains Reinvestment Option - Vanguard

There are no Vanguard fees for reinvesting your dividends and capital gains in your taxable account. You will merely accumulate quite a few tax lots over the years (your bi-monthly investments and your four distributions throughout each year). There is nothing wrong with that (I myself have quite a ...
by red5
Tue Mar 15, 2016 9:51 am
Forum: Investing - Theory, News & General
Topic: A call to all Bogleheads: let's accurately calculate returns!
Replies: 13
Views: 1872

Re: A call to all Bogleheads: let's accurately calculate returns!

I have a spreadsheet to do this for my stock picks. The extra special fun is when dividends are automatically reinvested. The automatically reinvested dividend should basically be an empty transaction since the receiving of the dividend money and the reinvesting of the dividend money cancel each ot...
by red5
Tue Mar 15, 2016 4:46 am
Forum: Investing - Theory, News & General
Topic: A call to all Bogleheads: let's accurately calculate returns!
Replies: 13
Views: 1872

Re: A call to all Bogleheads: let's accurately calculate returns!

What if you just plugged in your transactions and used the XIRR formula in Excel? Does XIRR calculate the same rate of return that you are attempting to compute?

I got 14.5% annualized (this is for 11 months of data).
by red5
Tue Mar 15, 2016 4:40 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Roth IRA
Replies: 6
Views: 634

Re: Vanguard Roth IRA

Hi everyone, I just opened a Vanguard Roth IRA and was hoping to get some advice and where to invest my money in as I am really new to this. I have $6k currently in there. I am planning to invest in Vanguard ETFs, a mixture of Total Stock Market (about 50%) , Total International Stock (about 30%), ...
by red5
Fri Mar 04, 2016 5:10 am
Forum: Investing - Theory, News & General
Topic: A look at Emerging Markets, recency bias, and diversification
Replies: 32
Views: 4010

Re: A look at Emerging Markets, recency bias, and diversification

stm wrote:Well guys - I've been slacking on putting 2016 Roth IRAs in. Went ahead and dropped full amounts into VWO for wife and self and son's ESA. Horizon is 20+ years and 10 for him. You all are a bad influence! :)


Did you significantly change your AA in doing so?
by red5
Sun Feb 28, 2016 5:44 am
Forum: Personal Consumer Issues
Topic: Camping & "Adventure" Gear for a 3 year old
Replies: 34
Views: 1888

Re: Camping & "Adventure" Gear for a 3 year old

My kids are a bit older but not much older and they got excited about getting real backpacking packs and sleeping bags that are rated for low temperatures and compress down real small. But they also enjoy the neat stuff like compasses, lighting, maps/guide books, binos, ... Perhaps bring them on an ...
by red5
Sun Feb 28, 2016 5:36 am
Forum: Investing - Help with Personal Investments
Topic: Charts With Total Returns
Replies: 3
Views: 437

Re: Charts With Total Returns

Here is a Wiki article that explains what the previous poster mentioned. Note that you must enter a mutual fund in order to get a growth chart. If you wish to view a ETF or stock then type that in as a comparison to a mutual fund.

How to use Morningstar growth charts
by red5
Tue Feb 09, 2016 2:08 pm
Forum: Investing - Theory, News & General
Topic: Staying the course?
Replies: 16
Views: 1252

Re: Staying the course?

OP,

Stay the course.

Best of luck.
by red5
Tue Feb 09, 2016 4:59 am
Forum: Personal Consumer Issues
Topic: Which Mazda3 to buy? 2013 (53k miles) $12k, 2012 (27k miles) $15k, new 2015 $19k
Replies: 60
Views: 5257

Re: Which Mazda3 to buy? 2013 (53k miles) $12k, 2012 (27k miles) $15k, new 2015 $19k

ShoogyBee wrote:You'll notice that a lot more drivers these days forget to turn on their headlights toward sunset due to gauges in most new cars being illuminated all the time.

...


I am guilty of this a couple of times in the last few weeks..Guess it is just something to get used to.
by red5
Tue Feb 09, 2016 4:58 am
Forum: Personal Consumer Issues
Topic: Which Mazda3 to buy? 2013 (53k miles) $12k, 2012 (27k miles) $15k, new 2015 $19k
Replies: 60
Views: 5257

Re: Which Mazda3 to buy? 2013 (53k miles) $12k, 2012 (27k miles) $15k, new 2015 $19k

What did you get and how did you like it? I'm thinking of getting a 2012 hatch today or tomorrow. got the new 2015 3i sport hatchback @ $500 under invoice. add $2k in incentivess, and it was $19k out the door. it has 2 annoyances: 1) no cig lighter under the dash board. there's one in the arm rest ...
by red5
Mon Feb 08, 2016 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: No guts to buy today!
Replies: 55
Views: 6078

Re: No guts to buy today!

I know that I will regret it. It happens to me every time that there is a major equity drop. Instead of buying I chicken out. In a year I will say the same I always say: "You fool" I have been at it over 30 years and I cannot correct my bad habit. If you've been at it for over 30 years th...
by red5
Mon Feb 08, 2016 10:22 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer
Replies: 21
Views: 2466

Re: Jim Cramer

He, personally, outperforms the market. The portfolio generated by following his TV recommendations do not. How do you know that? I'm not necessarily doubting you but I am skeptical, if that makes sense. Of which statement? Should be easy to find articles on his shows' lack of edge, e.g. http://www...
by red5
Mon Feb 08, 2016 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Am I getting fleeced on my IRA? Opinions welcome.
Replies: 21
Views: 1094

Re: Am I getting fleeced on my IRA? Opinions welcome.

EdB wrote:I am talking to the agent this coming Thursday. Am I justified in feeling fleeced, and should I get out of this ASAP? I am about six years from starting to take RMD's.


I would. You can do index funds by yourself.
by red5
Mon Feb 08, 2016 10:06 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer
Replies: 21
Views: 2466

Re: Jim Cramer

swl wrote:He, personally, outperforms the market. The portfolio generated by following his TV recommendations do not.


How do you know that? I'm not necessarily doubting you but I am skeptical, if that makes sense.
by red5
Mon Feb 08, 2016 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance Question
Replies: 13
Views: 774

Re: Rebalance Question

If it's in an IRA I don't see the problem with selling one fund to purchase another fund (transfer) when new contribution money is not enough to give you your desired AA. Now I agree, if you are only off by a percentage or two then that is "close enough". But if your 11k still is not enoug...
by red5
Mon Feb 08, 2016 8:59 am
Forum: Investing - Help with Personal Investments
Topic: are you buying or selling or staying the course
Replies: 22
Views: 1673

Re: are you buying or selling or staying the course

In the context of keeping my money in the markets then no, I am not selling. In the context of regular 401k contributions one can say that I am buying. However for me, staying the course entails periodically checking my investments and rebalancing opportunities. When a rebalancing need arises then I...
by red5
Mon Feb 08, 2016 6:11 am
Forum: Investing - Theory, News & General
Topic: How to calculate annual standard deviation from monthly returns
Replies: 49
Views: 3263

Re: How to calculate annual standard deviation from monthly returns

Hi, I'd like to calculate the annual volatility of my portfolio. I have monthly return data. I've read that one approach it to calculate the monthly standard deviation of returns then multiply by the square root of 12, but that this is just an approximation. Does anyone know where I could find an e...
by red5
Sat Feb 06, 2016 5:49 am
Forum: Investing - Theory, News & General
Topic: What is your average return?
Replies: 17
Views: 2170

Re: What is your average return?

4.5% annualized over 10 or 11 years. That is why a pretty heavy stock allocation throughout.
by red5
Sat Feb 06, 2016 5:45 am
Forum: Investing - Help with Personal Investments
Topic: Disappointed in International Funds
Replies: 42
Views: 3882

Re: Disappointed in International Funds

Perhaps some of the responses you are receiving are a bit sarcastic. Here is what I would do. Since the two funds are in a taxable account (?) I would exchange both funds for an international index fund, such as VTIAX, as long as you are comfortable with the amount of gains you have. What you are co...
by red5
Sat Feb 06, 2016 5:31 am
Forum: Investing - Help with Personal Investments
Topic: when is the right time to do a planned shift in AA
Replies: 8
Views: 793

Re: when is the right time to do a planned shift in AA

I agree that it is hard to do something like this. Going from 87 to 80% stocks when stocks are low seems counterintuitive. That is why I try to make everything as "mechanical" as possible. By this I mean taking the emotions out of investing. So what I do to combat this preplanned change of...
by red5
Fri Feb 05, 2016 9:24 am
Forum: Investing - Theory, News & General
Topic: Expense ratio vs return on investment
Replies: 15
Views: 1749

Re: Expense ratio vs return on investment

Hello, All the literature I've been able to access indicates that a fund's return incorporates the fees. In other words, if a fund grows at 4% and has an expense ratio of .5%, the return is listed at 3.5%. If this is true, isn't the expense ratio of a fund irrelevant when searching for a quality in...
by red5
Thu Feb 04, 2016 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: How to behave on a RGD (Really Good Day)?
Replies: 17
Views: 1996

Re: How to behave on a RGD (Really Good Day)?

kiddoc wrote:
red5 wrote:Invest a lot in a poorer performing asset class?

So realize short term gains? This will wipe out all the losses I harvested so far this year and more. :?


I meant invest new money....not with already invested money. It may not be a realistic option. I was just throwing it out there.
by red5
Thu Feb 04, 2016 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: How to behave on a RGD (Really Good Day)?
Replies: 17
Views: 1996

Re: How to behave on a RGD (Really Good Day)?

Invest a lot in a poorer performing asset class?
by red5
Thu Feb 04, 2016 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: TSP doesn't credit dividends & interest?
Replies: 14
Views: 1157

Re: TSP doesn't credit dividends & interest?

I just learned that the government Thrift Savings Plan does not credit individual accounts with any income from the holdings. I am used to IRAs with an "automatic reinvestment" setting, where each time dividends or interest came in to my account, the plan used those funds to purchase addi...
by red5
Thu Feb 04, 2016 5:21 am
Forum: Investing - Help with Personal Investments
Topic: International index funds necessary?
Replies: 8
Views: 1103

Re: International index funds necessary?

Still think you are better off with 1 fund. If 90% stocks is higher than your comfort level, you might use LifeStrategy Growth at 80%, and move to TR2055 sometime when it has a lower stock allocation. Another option would be to use a different Target Retirement fund. One does not need to necessaril...
by red5
Thu Feb 04, 2016 5:18 am
Forum: Investing - Help with Personal Investments
Topic: International index funds necessary?
Replies: 8
Views: 1103

Re: International index funds necessary?

Thanks for the replies. This would be for a Roth IRA (no employer account available). I am in the 15% income bracket and 40 years away from retirement. I am leaning towards putting most of my contributions with my target date fund and 1k with the Target Income so I have some TIPS shares. Hope this ...
by red5
Wed Feb 03, 2016 10:30 am
Forum: Investing - Help with Personal Investments
Topic: My portfolio
Replies: 9
Views: 674

Re: My portfolio

Are the ratios within each bucket going to stay roughly the same? Which would mean over time that your total stock allocation will decrease since your value of bucket 1 will stay roughly the same? Your plan looks good to me.
by red5
Mon Feb 01, 2016 1:13 pm
Forum: Personal Consumer Issues
Topic: Dual-military couple relocating to Vilseck, Germany :)
Replies: 23
Views: 2013

Re: Dual-military couple relocating to Vilseck, Germany :)

I really want to move back to Europe :sharebeer
by red5
Mon Feb 01, 2016 9:33 am
Forum: Investing - Theory, News & General
Topic: Bogle vs. Vanguard on International Funds
Replies: 27
Views: 4200

Re: Bogle vs. Vanguard on International Funds

After reading Bogle's chapter, I'm inclined to admit he's influenced me into thinking that 60/40 is too high - though I'm admittedly, still learning quite a bit about this and figuring out my comfort zones.Where do most of you fall on your intentional stock holdings? Do you tend to lean more toward...
by red5
Mon Feb 01, 2016 9:27 am
Forum: Investing - Help with Personal Investments
Topic: where to find a tool to check etfs correlation instantly
Replies: 6
Views: 429

Re: where to find a tool to check etfs correlation instantly

HI ALL where to find a tool to check etfs, or mutual funds, correlation instantly , vanguard does not tell percentage correlation . all i want to know percentage difference for example ivov ( s&p 400 midcap ) and VO(vanguard midcap) tanks Just keep in mind that correlations are not static.
by red5
Mon Feb 01, 2016 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index Funds (Admiral) vs ETFs (Advantages and disadvantages)
Replies: 24
Views: 3751

Re: Vanguard Index Funds (Admiral) vs ETFs (Advantages and disadvantages)

Wow. I personally like both. I like mutual funds. I like ETFs. Each person (investor) is different. Some may like ETFs and some may not. Same for mutual funds. Some may think ETFs are complicated and some may think they are simple. People are varied in their thoughts and opinions. It's like people a...
by red5
Mon Feb 01, 2016 5:09 am
Forum: Local Chapters and Bogleheads Community
Topic: One year of knowing Taylor Larimore
Replies: 15
Views: 2983

Re: One year of knowing Taylor Larimore

Thanks for sharing that very nice story. You are very fortunate to have found that kind of friendship.
by red5
Mon Feb 01, 2016 4:53 am
Forum: Investing - Help with Personal Investments
Topic: List of all tax-advantaged space?
Replies: 22
Views: 2189

Re: List of all tax-advantaged space?

whatistiaa wrote:Edited OP to show annual limits. So far, it looks like the annual limits for a typical individual is quite low. Not too many ways to tax shelter income.


40k is quite low? I suppose it is relative. You can always invest efficiently in a plain taxable account once you reach that 40k as well.

Go to advanced search