Search found 63 matches

by rerod
Wed Feb 14, 2018 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Stock Index Fund [better to purchase in bear market?]
Replies: 8
Views: 1429

Re: Vanguard Total Stock Index Fund [better to purchase in bear market?]

whodidntante wrote:
Wed Feb 14, 2018 9:57 pm
Purchasing it in a bull market feels a lot better.
Yeah, I bought some when it was in the 70's :oops:

Ten years from now I will look back and feel the same way about the shares I bought at 33
by rerod
Sun Feb 11, 2018 8:49 am
Forum: Investing - Theory, News & General
Topic: leveraged Investing , Account Margining.. And the SEC
Replies: 9
Views: 742

Re: leveraged Investing , Account Margining.. And the SEC

And around in a circle we go. And where we end up, no one knows.. haha Seriously, thanks for that. Do you have a link to that study? Iv heard both Black Monday (1987) and the 2008 housing crash were so close to a complete crumbing breakdown of the markets, that only by breaking the law and manipula...
by rerod
Sun Feb 11, 2018 7:45 am
Forum: Investing - Theory, News & General
Topic: leveraged Investing , Account Margining.. And the SEC
Replies: 9
Views: 742

Re: leveraged Investing , Account Margining.. And the SEC

Is leveraged investing or account margining one of the reasons for corrections and recessions? Investing my money in the market is risky enough for me, let alone borrowing money to invest.. Wow. Have you ever had a mortgage? Have you ever contributed even $1 to your 401k while you had a mortgage? C...
by rerod
Sat Feb 10, 2018 7:16 pm
Forum: Investing - Theory, News & General
Topic: leveraged Investing , Account Margining.. And the SEC
Replies: 9
Views: 742

Re: leveraged Investing , Account Margining.. And the SEC

I don't think the SEC is OK with 4X leveraged mutual funds, please cite your source. Mutual funds are, as far as I know, subject to a "300% asset coverage ratio," their assets must a value of 3 times the debt, meaning leverage is limited to 1.34X. There is a problem, of course, in that mutual funds...
by rerod
Sat Feb 10, 2018 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: The Prime Money Market vs the Short Term Investment Grade bond fund question
Replies: 17
Views: 2721

Re: The Prime Money Market vs the Short Term Investment Grade bond fund question

Consider Vanguard Treasury Money Market as an alternative to Prime. Due to recent SEC regs, in high-volatility scenarios where MMF liquidity is perceived to be at risk, Prime funds may be exposed to required "gates" (restrictions on withdrawals) and "fees" (actual haircuts on money withdrawn) requi...
by rerod
Sat Feb 10, 2018 12:44 pm
Forum: Investing - Theory, News & General
Topic: leveraged Investing , Account Margining.. And the SEC
Replies: 9
Views: 742

leveraged Investing , Account Margining.. And the SEC

Is leveraged investing or account margining one of the reasons for corrections and recessions? Investing my money in the market is risky enough for me, let alone borrowing money to invest.. Wow. And the SEC is ok with 4X Leveraged Mutual Funds? I had no idea.. Again, is account margining one of the ...
by rerod
Fri Feb 09, 2018 10:24 pm
Forum: Investing - Theory, News & General
Topic: % VINEX to VTIAX?
Replies: 4
Views: 465

% VINEX to VTIAX?

I hold two funds for my international equities. Not considering any domestic or FI, my VTIAX is 78% and VINEX 22%.

Is this a reasonable mix of international for a four fund portfolio? Or is it even worth owning VINEX, just to keep it simple.

Thanks
by rerod
Fri Feb 09, 2018 9:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6413
Views: 1375497

Re: U.S. stocks in freefall

I bought stocks today, hopefully. My plan in my Fidelity 401K was to exchange 20% of my bonds for total stock market when the market falls 10%, then 30% of remaining bonds at market drop of 20%, and the balance at market drop of > 30%). I missed executing this yesterday, so today I submitted an exc...
by rerod
Fri Feb 09, 2018 7:05 pm
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 13602

Re: "The stock market is officially in a correction... here's what usually happens next"

Bogleheads: "Stay the course" is not the same as "Buy and hold." Corrections and bear markets can often be an opportunity to rebalance, sell an unwanted fund, tax-loss harvest or move to another company. Best wishes. Taylor Thanks for that Taylor. But when do you rebalance? After your 10% off targe...
by rerod
Fri Feb 09, 2018 7:43 am
Forum: Investing - Theory, News & General
Topic: Feeling good about the market's direction. Wish it would drop more...
Replies: 14
Views: 2325

Re: Feeling good about the market's direction. Wish it would drop more...

ivk5 wrote:
Fri Feb 09, 2018 7:39 am
rerod wrote:
Fri Feb 09, 2018 7:36 am
but when.. ... but when..
When you reach the rebalancing bands/criteria you set in your IPS.
Could you explain your comment please?
by rerod
Fri Feb 09, 2018 7:36 am
Forum: Investing - Theory, News & General
Topic: Feeling good about the market's direction. Wish it would drop more...
Replies: 14
Views: 2325

Re: Feeling good about the market's direction. Wish it would drop more...

I'm right there with you Ron Scott .. I have some bonds I want to sell, but when.. And I want to by equities, but when.. Decisions, decisions.

I don't think any TA can accurately make the call. Most of it is luck.
by rerod
Thu Feb 08, 2018 3:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6413
Views: 1375497

Re: U.S. stocks in freefall

Burn baby BURN!
by rerod
Wed Feb 07, 2018 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: VWIUX vs VBTLX in 24% tax bracket
Replies: 19
Views: 2555

Re: VWIUX vs VBTLX in 24% tax bracket

It’s interesting that, when you look at 1-year, 3-year, and 5-year performance, VWIUX does better than VBTLX. I would assume that the tax benefits would increase this advantage further. This is based on the little “Average annual performance” graph on the Vanguard fund pages. I guess this is a comb...
by rerod
Wed Feb 07, 2018 9:21 pm
Forum: Investing - Theory, News & General
Topic: Observations on Market Crashes
Replies: 7
Views: 1477

Re: Observations on Market Crashes

For those interested in the Black Monday 1987 market crash the recent podcast by Jill Schlesinger interviewing Diana Henriques was very interesting. Jill had just joined Wall Street and saw it up close and personal. What was interesting since this was a little bit before my time of investing on how...
by rerod
Wed Feb 07, 2018 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for new Boglehead-where to focus extra money to correct past mistakes?
Replies: 26
Views: 2122

Re: Advice for new Boglehead-where to focus extra money to correct past mistakes?

At 29, I wish someone would have insisted and convinced me I should go 100% equities. I like a combination of vtsax vtiax and some vcsax in the late cycle. At your age you will see your share of corrections/bear markets, but just go all in and don't look back until your 10 years from retirement imho...
by rerod
Wed Feb 07, 2018 7:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6413
Views: 1375497

Re: U.S. stocks in freefall

triceratop wrote:
Wed Feb 07, 2018 6:23 pm
Warren Buffett has over a hundred billion in cash with which he is not (currently) buying American (equities).
Mostly in short term treasuries.
by rerod
Wed Feb 07, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Why did BND drop with no interest rate increase and what's in store short term?
Replies: 19
Views: 2113

Re: Why did BND drop with no interest rate increase and what's in store short term?

RRAAYY3 wrote:
Wed Feb 07, 2018 9:18 am

Have you made any money since you bought? Still trying to fully understand the price drop vs yield dynamic
Yes about 30k. But my Total gain/loss says 15k
by rerod
Wed Feb 07, 2018 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Why did BND drop with no interest rate increase and what's in store short term?
Replies: 19
Views: 2113

Re: Why did BND drop with no interest rate increase and what's in store short term?

Yes. The value of the holding with reinvested interest will eventually be greater with increasing interest rates than if interest rates had been constant. Yields go up (dividends) as interest rates increases.. But the principal value goes down. I bought vbtlx at 11.22 6 years ago. Now its down to 1...
by rerod
Mon Feb 05, 2018 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: 50K to invest for the long hall - VTSMX
Replies: 18
Views: 2245

Re: 50K to invest for the long hall - VTSMX

Ha, I did get a chuckle to be honest with you. This just shows you cannot time the market. I drop 50K into the market and the very next day the DOW drops 650 pts the most since 2008. All you can do is laugh and move on and hope for the best in the future. Your not alone.. 40k into a old vtsax accou...
by rerod
Mon Feb 05, 2018 9:03 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6413
Views: 1375497

Re: U.S. stocks in freefall

limeyx wrote:
Fri Feb 02, 2018 11:46 pm
I just put in a bunch of buy orders for Monday. So ... of course it will keep going down :)
Yeah same here.. Good thing I dca.. But never fails.. As soon as I bought my bonds 6 years ago.. Bam! As soon as I buy equities.. Bam! Oh well
by rerod
Mon Feb 05, 2018 6:24 am
Forum: Investing - Help with Personal Investments
Topic: Why did BND drop with no interest rate increase and what's in store short term?
Replies: 19
Views: 2113

Re: Why did BND drop with no interest rate increase and what's in store short term?

I own VBTLX which is the mutf corresponding to BND. I asked the same question in another post and it looks like the posted yield is a 30 day rolling average so it takes time to adjust. The way I understand it, BND and VBTLX will never rise in value if interest rates keep going up which they are for...
by rerod
Sun Feb 04, 2018 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: Why did BND drop with no interest rate increase and what's in store short term?
Replies: 19
Views: 2113

Why did BND drop with no interest rate increase and what's in store short term?

I'm wondering why total bond index fell so much lately even though the fed didn't raise rates? Iv heard expectations are priced in, but wasn't it predicted rates would remain unchanged? Also.. Will total bond bounce back a little in your opinion before the next hike end of march? Then drop again? I ...
by rerod
Sat Feb 03, 2018 6:28 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market Index Fund vs. CDs?
Replies: 33
Views: 4744

Re: Total Bond Market Index Fund vs. CDs?

I'm not convinced that interest rates are rising. I choose CDs but Vanguard Total Bond or the equivalent will likely do just fine in the long run. Boy, I sure hope your right. We will see march 21st. Its painful watching my Vanguard Total Bond drop WITH my equities.. I bought it at 11.22 and its 10...
by rerod
Sat Feb 03, 2018 6:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 108
Views: 24674

Re: Vanguard opens special offices for $1 million clients

Well, I WAS a millionaire there for a second.. :oops: :thumbsdown Makes no difference to vanguard if you have 1M invested. One consultation with a different adviser per year. I don't know.. Maybe I just wanted to be able to chew the fat about my investments with the same young cfp.. Is that really t...
by rerod
Mon Jan 22, 2018 5:29 am
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 108
Views: 24674

Re: Vanguard opens special offices for $1 million clients

It is interesting that this year old conversation was revived. I am wondering if anyone has heard, seen, or experienced any changes or actions with regard to the "special offices"? It seems to me that perhaps some of the perks for the million dollar clients have in fact been deleted such as the ded...
by rerod
Sun Jan 21, 2018 12:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 108
Views: 24674

Re: Vanguard opens special offices for $1 million clients

...Personally, as a stay-the-course 3-fund investor, I have no need for a walk-in office. Keep investing simple. Best wishes. Taylor With all due respect Taylor, what happens if one of us dies and our spouse is not so well versed in investing? This is where having an office where our spouse could g...
by rerod
Fri Jan 19, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: Active Core Bond Beats Total Index in 2017
Replies: 12
Views: 2466

Re: Active Core Bond Beats Total Index in 2017

Better, also meaning less volatile during a turn down so I can sell and buy equities. Why exactly would you expect a fund with fewer government bonds and a lower credit rating to perform better in a crisis? If your attempting to answer my question with yet another question, Its not working. But I g...
by rerod
Fri Jan 19, 2018 12:29 am
Forum: Investing - Theory, News & General
Topic: Active Core Bond Beats Total Index in 2017
Replies: 12
Views: 2466

Re: Active Core Bond Beats Total Index in 2017

I own the Core Bond Fund. So after a year, I’m thinking about exchanging 50% of the Core Fund into the intermediate term investment grade bond fund, and 50% into the total bond index fund, both of which are in my T-IRA account , as is Core. Why? The fund fee of 0.15% and not sure it is doing all th...
by rerod
Wed Jan 11, 2017 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: tiaa/cref lazy portfolio
Replies: 33
Views: 5497

Re: tiaa/cref lazy portfolio

For my US equity portion, I did a 4 : 1 mix of VINIX and VEXMX, which is a reasonable proxy for the VG Total Stock market (VTSMX) but with a lower ER because VTSMX wasn't offered in my choices.
by rerod
Tue Jan 10, 2017 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: The Exclusive Consumer Staple Fund
Replies: 8
Views: 1930

Re: The Exclusive Consumer Staple Fund

Instead of starting a new thread..

Would a combination of VCSAX , VTSAX, VTIAX and VTBLX be good choices for a simple 4 fund portfolio in a taxable account?

Thanks!
by rerod
Sat Jan 07, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: Buying a unicorn retirement house, before retirement.
Replies: 5
Views: 1312

Re: Buying a unicorn retirement house, before retirement.

We were looking for a house with a big kitchen and big garage plus a lot of land. Well, we bought our house without the big kitchen and no garage. I later built the garage and bought a shed. I like that Jack. I want a two post lift with 14' ceiling for my 4x4 So much could change in 10-13 years. Th...
by rerod
Sat Jan 07, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Buying a unicorn retirement house, before retirement.
Replies: 5
Views: 1312

Buying a unicorn retirement house, before retirement.

For the last three years since my children moved out, Iv been searching for a smaller house with a huge tall garage but haven't found anything even close to what I want within my area. My current 1700 square foot four bedroom home sits on the bus line close to work at the U of I which saves me enoug...
by rerod
Sun Dec 25, 2016 11:38 pm
Forum: Investing - Theory, News & General
Topic: What phase of the business cycle are we in?
Replies: 9
Views: 1261

Re: What phase of the business cycle are we in?

the 70/30 I should be at According to whom? At age 45, many would say that you should be at 55% stocks, 45% bonds. Some would shift those percentages by 5%, 10%, or maybe 20% towards stocks, but I don't think you'll find universal consensus that you "should be at" 70/30. 70/30 according to vanguard...
by rerod
Sun Dec 25, 2016 9:05 pm
Forum: Investing - Theory, News & General
Topic: What phase of the business cycle are we in?
Replies: 9
Views: 1261

Re: What phase of the business cycle are we in?

Trying to change your investments based on your analysis is definitely market timing. Thanks guys, but I haven't changed anything. My financial advisor left me holding mutual funds I didn't understand after I questioned why he had me at 40/60 at the age of 45. Iv been stressed and struggling ever s...
by rerod
Sun Dec 25, 2016 6:30 pm
Forum: Investing - Theory, News & General
Topic: What phase of the business cycle are we in?
Replies: 9
Views: 1261

What phase of the business cycle are we in?

What phase of the business cycle are we in now? And how do you know? Iv read we are in the late phase because profits are stalling and rates are beginning to rise.. We know rates are rising because the fed announced and implemented them. And I also see equities dividends reducing. Is it market timin...
by rerod
Sat Apr 09, 2016 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Is TLH too much work for you?
Replies: 32
Views: 3539

Re: Is TLH too much work for you?

If you think it's too much work, you don't understand how to do it No I don't.. At first TLHing sounded doable. But after reading all the disagreements, and how you have to make it meaningful and time it.. :shock: Its something I might read more about at work. But not today Does anyone have a link ...
by rerod
Thu Apr 07, 2016 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Is TLH too much work for you?
Replies: 32
Views: 3539

Re: Is TLH too much work for you?

I had a eye opening example shown to me why holding bonds in taxable is a bad practice. I hope not TLH'ing, isn't as expensive. OT: Was it one that you discovered on this forum? Is there any chance that you could share it? Suppose that at the end of 2015 you had $10K cash in a tax deferred acct and...
by rerod
Thu Apr 07, 2016 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Is TLH too much work for you?
Replies: 32
Views: 3539

Re: Is TLH too much work for you?

I've decided that it is too much work for me, so I don't do it. I have a super simple 3 fund portfolio, I rebalance when it's out of whack by more than 5%, and I have an IPS statement that tells me where my glidepath should be. I do all those things "right," so I think that's good enough. I've made...
by rerod
Thu Feb 11, 2016 8:01 pm
Forum: Investing - Theory, News & General
Topic: What's wrong with VTIAX? [Vanguard Total International]
Replies: 66
Views: 14961

Re: What's wrong with VTIAX?

It appears soon VTIAX will go down to near $15.00 a share and be a great buy! It has done nothing but go down , since I owned it 1 1/2 years ago.... Iv owned a chunk since 2011 when it was mid twenty range.. :oops: If I owned a crystal ball , I would have sold it last june and got back in soon. Oh ...
by rerod
Wed Feb 10, 2016 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: VBTLX, where's the upside? [Vanguard Total Bond Market Index]
Replies: 17
Views: 11067

Re: VBTLX, where's the upside? [Vanguard Total Bond Market Index]

Where's the upside holding bonds bound to lose value with the imminent interest rate hike? A month like last month. :mrgreen:

Is VBTLX a good choice for fixed income in a taxable account?

Thanks
by rerod
Sat Jan 30, 2016 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: How is VTIAX performing? [Vanguard Total International Stock]
Replies: 54
Views: 14521

Re: How is VTIAX performing?

inbox788 wrote: VTIAX is performing excellent in tracking the intended index. It's the index that sucks.
I will agree to that! :beer
by rerod
Sat Jan 30, 2016 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: How is VTIAX performing? [Vanguard Total International Stock]
Replies: 54
Views: 14521

Re: How is VTIAX performing? [Vanguard Total International Stock]

Truly good investments often have to have a foul odor from time to time. That's true. :happy But I'd have to add, a truly good investment you shouldn't have to time when to get out. Iv held vtiax for 5 years and if I needed it today, I would be SOL . No growth in 5 years. Im not selling. But not bu...
by rerod
Mon Jan 25, 2016 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: How is VTIAX performing? [Vanguard Total International Stock]
Replies: 54
Views: 14521

Re: How is VTIAX performing? [Vanguard Total International Stock]

Why is my VINEX outperforming my VTIAX? if you want to call it that..
by rerod
Thu Jan 21, 2016 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: How is VTIAX performing? [Vanguard Total International Stock]
Replies: 54
Views: 14521

Re: How is VTIAX performing?

Thanks. Understood. But it seems like VG intentionally makes it look like you've taken a hit on your investment.

I guess if nothing else , you might be inclined to think that's fair value. Or was it over valued in 2011?
by rerod
Thu Jan 21, 2016 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: How is VTIAX performing? [Vanguard Total International Stock]
Replies: 54
Views: 14521

Re: How is VTIAX performing?

Yeah, but I invested 43500 into it 2011. Today its worth $43,492.80. :oops:

Yet my "total gain/loss" is – $5,911.77 Why?
by rerod
Thu Jan 21, 2016 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: How is VTIAX performing? [Vanguard Total International Stock]
Replies: 54
Views: 14521

Re: How is VTIAX performing?

livesoft wrote: Maybe it paid out $10 per share in dividends since 2011?
But then again, maybe not?
I wish I knew how to check that. But what bothers me is on the cost basis page, it shows a red number under "total gain/loss"
by rerod
Thu Jan 21, 2016 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: How is VTIAX performing? [Vanguard Total International Stock]
Replies: 54
Views: 14521

Re: How is VTIAX performing?

Holy cow.. I bought and held this since 2011 for $26.26 per share. Now its $21.59 !

Can someone give me a bit of hope this fund might turn around by 2020? :D

I was thinking about buying some, along with VTSAX soon.
by rerod
Wed Jan 20, 2016 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Cash-on-the-sidelines thread
Replies: 39
Views: 5565

Re: Cash-on-the-sidelines thread

Iv been holding almost half of my port in VBTLX . I had a lame adviser who kept mentioning China, four years ago! Its time that changes.. I hope that what ever low we drop to, will iron out most of the bubbles. Word is, Oil may bottom in the low 20's, but I wont wait that long. But not quite yet. I ...
by rerod
Fri Sep 04, 2015 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice please.
Replies: 13
Views: 1934

Re: Need advice please.

Thanks Lafder. I was hoping I would get specific portfolio recommendations from one or more of the CPAs, tax attorneys, and financial advisers on here. But it seems like the time Iv spent gathering and posting my entire financial picture hasn't had any results yet. What info haven't I included in my...
by rerod
Sun Aug 23, 2015 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice please.
Replies: 13
Views: 1934

Re: Need advice please.

OK as asked, I posted the funds and expense ratio's TIAA/CREF offers me in the first post.. But lately wondering if monday is a good time to get more aggressive with my vanguard taxable funds and buy more Vanguard Total Stock Market Index Fund with cash from VMMXX? I know bogleheads don't time the m...