Search found 10 matches

by vicp88
Tue Mar 21, 2017 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: How do you allocate your contributions?
Replies: 6
Views: 396

How do you allocate your contributions?

Let's assume that you've decided on an asset allocation of 70% stocks and 30% bonds, and plan on making monthly contributions of $1,000 ($700 into stock fund and $300 into bond fund), and rebalance once a year. Now let's say that a few months in you have a strong performance with your stock fund, ma...
by vicp88
Thu Mar 16, 2017 12:09 am
Forum: Investing - Help with Personal Investments
Topic: "Don't time the market" vs. "Buy low, sell high"
Replies: 69
Views: 4769

Re: "Don't time the market" vs. "Buy low, sell high"

RetiredinKaty wrote:Disciplined rebalancing is contrarian, “buy low, sell high” in practice. Maintaining a fixed allocation is “don’t time the market”. No conflict in this for me.


Good point.
by vicp88
Wed Mar 15, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: "Don't time the market" vs. "Buy low, sell high"
Replies: 69
Views: 4769

Re: "Don't time the market" vs. "Buy low, sell high"

It is important to remember that Haste makes waste Time is money A penny saved is a penny earned Penny wise, pound foolish Look before you leap He who hesitates is lost There are lots of conflicting sayings out there. Sounds like for OP, best choice is to dollar cost average in. Not my chosen way o...
by vicp88
Wed Mar 15, 2017 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: "Don't time the market" vs. "Buy low, sell high"
Replies: 69
Views: 4769

Re: "Don't time the market" vs. "Buy low, sell high"

Thank you. I haven't read that book, but have seen it recommended many times. This quote will serve as a nice reminder for my investing going forward. I remember reading that quote years ago, then I investigated it. The quote only tells about half the story. The other half is quite interesting as w...
by vicp88
Wed Mar 15, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: "Don't time the market" vs. "Buy low, sell high"
Replies: 69
Views: 4769

Re: "Don't time the market" vs. "Buy low, sell high"

I have never been out of the market in 35+ years of investing. I may have put a little more in one month vs. another, but I steadily invested with every paycheck. Buy low and sell high I interpreted as not selling during a market downturn. Selling is more difficult. If the market was down I might h...
by vicp88
Wed Mar 15, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: "Don't time the market" vs. "Buy low, sell high"
Replies: 69
Views: 4769

Re: "Don't time the market" vs. "Buy low, sell high"

This exert from Random Walk is what would keep me from doing this: "Because there is a long-term uptrend in the stock market, it can be very risky to be in cash. An investor who frequently carries a large cash position to avoid periods of market decline is very likely to be out of the market d...
by vicp88
Wed Mar 15, 2017 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: "Don't time the market" vs. "Buy low, sell high"
Replies: 69
Views: 4769

"Don't time the market" vs. "Buy low, sell high"

These two proverbs are ubiquitous in the world of investing, but they seem mutually exclusive to me. How can you know whether you are "buying low" or "selling high" without timing the market? Here is a quote by Warren Buffet: "I will tell you how to become rich. Close the do...
by vicp88
Mon Mar 13, 2017 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Help and critique with portfolio and tax efficient placement
Replies: 4
Views: 378

Re: Help and critique with portfolio and tax efficient placement

I just finished reading the Four Pillars of Investing by William Bernstein, and have read several investment blogs (jlcollinsnh, mr. money moustache,and a few others). You should also read "If You Can" by Dr. Bernstein. You may already be on your way to adopting what he says but it's very...
by vicp88
Sat Mar 11, 2017 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Help and critique with portfolio and tax efficient placement
Replies: 4
Views: 378

Help and critique with portfolio and tax efficient placement

Hi Bogleheads, I would love some advice and critique for my investment portfolio. First, a little about me: I am 32 years old. My annual salary is $37,000 without much room for growth in the near future. I have zero debt (car is paid off, no house, credit cards always at zero). No opportunity for 40...

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