Search found 1198 matches

by whaleknives
Fri Jun 23, 2017 8:48 pm
Forum: Investing - Theory, News & General
Topic: Anyone have a habit of checking the market all day?
Replies: 38
Views: 2628

Re: Anyone have a habit of checking the market all day?

There was some article recently about those whose portfolios did best; they had literally forgotten about their portfolios! No, the article was their advisor had died. Not dead, or even forgotten: "In Praise of the Dead (Investors) Google "Fidelity dead investors" and you'll see a nu...
by whaleknives
Thu Jun 22, 2017 4:30 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7637

Re: Poll: Do Bogleheads own Stocks?

12 days and responses are tapering off at 402. Individual stock ownership is 60%. The largest categories for stockholders are age 40 to 60, net worth < $1 million, no employer stocks, and portfolio < 25% individual stocks. For a simple random sample from a large population, the maximum margin of err...
by whaleknives
Wed Jun 21, 2017 7:24 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7637

Re: Poll: Do Bogleheads own Stocks?

11 days, 399 responses, and individual stock ownership is 60%. The largest categories for stockholders are age 40 to 60, net worth < $1 million, no employer stocks, and portfolio < 25% individual stocks. 11 days 399 responses Yes by Age | Yes by Net Worth | Yes by | Yes by % Portfolio | No for | | E...
by whaleknives
Wed Jun 21, 2017 2:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard invite - transition to a Brokerage Acct
Replies: 33
Views: 2150

Re: Vanguard invite - transition to a Brokerage Acct

The Wizard wrote:. . . You still own the same mutual funds after changing to a brokerage account. Nothing changes there...
It's the mutual fund accounts I want to keep. :D
by whaleknives
Wed Jun 21, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: Vanguard invite - transition to a Brokerage Acct
Replies: 33
Views: 2150

Re: Vanguard invite - transition to a Brokerage Acct

I'd advise taking the plunge. There were no downsides for me (the interface changed very slightly, but not in a bad way). Plus you get SIPC coverage. But some argue that SIPC coverage is of no benefit for mutual funds: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=219235&newpost=337...
by whaleknives
Wed Jun 21, 2017 1:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard invite - transition to a Brokerage Acct
Replies: 33
Views: 2150

Re: Vanguard invite - transition to a Brokerage Acct

. . .After I log into my account, I just enter "brokerage upgrade" in the search box. When I click on the search results, it prompts me to go through the upgrade process. It certainly is a lower profile than the previous upgrade button. We currently have only mutual fund accounts, and I'd...
by whaleknives
Wed Jun 21, 2017 11:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard invite - transition to a Brokerage Acct
Replies: 33
Views: 2150

Re: Vanguard invite - transition to a Brokerage Acct

flamesabers wrote:. . . There's a link you can use to upgrade your account. This topic has been discussed before. . .

After ignoring my upgrade link, it seems to have disappeared. Where is yours?
by whaleknives
Wed Jun 21, 2017 11:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard invite - transition to a Brokerage Acct
Replies: 33
Views: 2150

Re: Vanguard invite - transition to a Brokerage Acct

I wonder if the invite is some sort of test or pilot project, given no one else is reporting receiving this? Actually, the Wiki Google search "vanguard brokerage account upgrade site:bogleheads.org" shows 18,000 results. Evidently it's slowly being phased in, and prompts new threads when ...
by whaleknives
Wed Jun 21, 2017 7:25 am
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7637

Re: Poll: Do Bogleheads own Stocks?

. . .I would also caution readers their IP address and web browser are also part of the dataset. You can download the data here: Bogleheads poll on individual stock ownership - Results , then click on "Responses". I hope modifying the "Security" settings does not change the poll...
by whaleknives
Tue Jun 20, 2017 5:38 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7637

Re: Poll: Do Bogleheads own Stocks?

10 days, 375 responses, and individual stock ownership is still 61%. The largest categories for stockholders are unchanged at age 40 to 60, net worth < $1 million, no employer stocks, and portfolio < 25% individual stocks. A new foreign city reporting: Victoria, Canada. The State with the most respo...
by whaleknives
Mon Jun 19, 2017 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Help with TIAA-CREF Investment Options
Replies: 6
Views: 557

Re: Help with TIAA-CREF Investment Options

. . . I have a 403b and a Roth with TIAA-CREF, and my husband has Roth and traditional IRAs, also with TIAA-CREF. We are going to roll over his assets to Vanguard but leave my 403b intact with TIAA-CREF. We also have other separate after-tax Vanguard assets. . . I have accumulated multiple TIAA-CRE...
by whaleknives
Mon Jun 19, 2017 8:26 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 5606

Re: Alternatives to Amazon

. . . Curious what people like/don't like as an alternative to Amazon, especially ones that use a more traditional, vetted delivery process. . . I had to stop buying over-the-counter medications from Amazon, because they literally failed in fulfillment. They have a pricing policy where they refuse ...
by whaleknives
Mon Jun 19, 2017 7:03 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7637

Re: Poll: Do Bogleheads own Stocks?

Among an age bracket, what is the percentage of stock owners? Or just add the number of survey respondents per age bracket and the rest can be deduced. The same as "Yes [to stock ownership] by Age": Stock Owners by Age < 40 73 20% 40-60 97 27% 61-80 48 13% > 80 1 0% Totals 219 61%
by whaleknives
Mon Jun 19, 2017 6:55 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7637

Re: Poll: Do Bogleheads own Stocks?

9 days, 359 responses, and individual stock ownership is still 61%. The largest categories for stockholders are unchanged at age 40 to 60, net worth < $1 million, no employer stocks, and portfolio < 25% individual stocks. 9 days 359 responses Yes by Age | Yes by Net Worth | Yes by | Yes by % Portfol...
by whaleknives
Mon Jun 19, 2017 6:25 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7637

Re: Poll: Do Bogleheads own Stocks?

I hold company stock for about 10 minutes twice a year from ESPP. Company has returned a total of 4% over the last 5 years while being pretty volatile, so there's no reason to hold it in a decent portfolio. Worst case scenario (after discount and tax) is ~10% return over 6 months, but it is usually...
by whaleknives
Mon Jun 19, 2017 6:24 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7637

Re: Poll: Do Bogleheads own Stocks?

MichaelRpdx wrote:Could you list out the stock ownership stats for each age bracket please?

I'm not sure what you mean. The "Yes by Age" section in Code shows the responses and % for individual stock owners by age group. Could you be more specific?
by whaleknives
Sun Jun 18, 2017 8:21 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7637

Re: Poll: Do Bogleheads own Stocks?

8 days, 342 responses, and individual stock ownership is 61%. The largest categories for stockholders are age 40 to 60, net worth < $1 million, no employer stocks, and portfolio < 25% individual stocks. 8 days 342 responses Yes by Age | Yes by Net Worth | Yes by | Yes by % Portfolio | No for | | Emp...
by whaleknives
Sat Jun 17, 2017 9:17 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7637

Re: Poll: Do Bogleheads own Stocks?

7 days, 335 responses, and individual stock ownership is 61%. The largest categories for stockholders are age 40 to 60, net worth < $1 million, no employer stocks, and portfolio < 25% individual stocks. New country reports are from Oranjestad, Aruba; Bodegraven, Netherlands; and Fornebu, Norway. 7 d...
by whaleknives
Fri Jun 16, 2017 11:41 pm
Forum: Personal Consumer Issues
Topic: Password Managers
Replies: 61
Views: 3951

Re: Suggestions for password storage services?

I don't have any personal experience (yet), but these have been recommended to me: ⋅ LastPass ( just hacked by a Google security researcher, 3/30/17 ) ⋅ 1Password* ⋅ KeePassX with KeePassX as the most secure, but less user-friendly. _____ *Name correction from obafgkm
by whaleknives
Fri Jun 16, 2017 11:20 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7637

Re: Poll: Do Bogleheads own Stocks?

6 days, 320 responses, and individual stock ownership is 60%. The largest categories for stockholders are age 40 to 60, net worth < $1 million, no employer stocks, and portfolio < 25% individual stocks. New country reports are from Horsens, Denmark; Riyadh, Saudi Arabia; and Lund, Sweden. New cities...
by whaleknives
Fri Jun 16, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: 401k Choices
Replies: 2
Views: 285

Re: 401k Choices

. . . I got a notification recently that my 401k was changing to Blackrock Lifepath Index. It was Vanguard Target Fund. Now I'm unsure if this is an ok 401k choice? See below for choices. Expense Ratios included. And even if I should stick to my Blackrock Lifepath choice... do I need any actual Tot...
by whaleknives
Fri Jun 16, 2017 10:53 am
Forum: Investing - Theory, News & General
Topic: Vanguard risk tolerance survey blunder.
Replies: 41
Views: 4302

Re: Vanguard risk tolerance survey blunder.

. . . I mean, seriously. One of these questionnaires could include a question, "Which of these would you like to do on your next vacation? a) "Skydive." b) "Walk a tightrope across Niagara Falls." c) "Try to jump Snake River Canyon in a replica of Evel Knievel's SkyCyc...
by whaleknives
Fri Jun 16, 2017 10:45 am
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 13867

Re: Anyone else gotten totally bored with investing?

. . . I feel like I've optimized our portfolio about as much as I possibly can from a Boglehead perspective and so there's just nothing left to do anymore. I guess that's how it should be. I've gone from managing my investing to managing my spending, Roth conversions, and Medicare. There's always s...
by whaleknives
Fri Jun 16, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: 401k mix investments
Replies: 7
Views: 644

Re: 401k mix investments

. . . I'm not in a rush to retire or anything so risk isn't an issue. I just was wondering how you should mix these or if there was a specific one not to go for? Any advice? I'm assuming I'd want to at the minimum invest in domestic and global and go from there? Welcome. You'll get better responses...
by whaleknives
Fri Jun 16, 2017 10:31 am
Forum: Investing - Theory, News & General
Topic: Financial Engines usage
Replies: 5
Views: 598

Re: Financial Engines usage

. . .(1) The suggested portfolios of funds are far from a 3-fund system. Is FE considering each portfolio (of the 6) independently and separately for AA? Or is it somehow distributing the suggested AA throughout the portfolios so that they vary due to some considerations? Or maybe it's using the sa...
by whaleknives
Fri Jun 16, 2017 10:21 am
Forum: Investing - Help with Personal Investments
Topic: AA with a pension
Replies: 15
Views: 1737

Re: AA with a pension

Should a pension at retirement impact a current AA decision? . . . Are you estimating future withdrawals with anything like FIRECalc ? If so, the more common recommendation here is to use pensions and Social Security to reduce withdrawals, rather than leverage your asset allocation. But this has be...
by whaleknives
Fri Jun 16, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Re-balance Utility - New Version (v2)
Replies: 17
Views: 1786

Re: Re-balance Utility

LadyGeek wrote:The link is broken. You can edit your post using the "!" in the top-right corner. Then, bump the thread to say it's been fixed. . .

I think you mean "Edit post" pencil icon. :D
by whaleknives
Fri Jun 16, 2017 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Help me fix my company's 401k plan
Replies: 10
Views: 589

Re: Help me fix my company's 401k plan

A couple of months ago I complained about the fund selection. I was just asked which funds I would like to see added. Here is a list of the current offerings. I would like to suggest as few funds as possible so it doesn't appear that I'm being too much of a PITA. . . You were looking at 80/10/10 Fi...
by whaleknives
Fri Jun 16, 2017 9:40 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 105
Views: 11947

Re: Vanguard's new "account overview" page... BOO!

Try to be nice about this but websites are not made to display correctly for old people who have the font size bumped way up in the brower and have their monitors set so everything looks giant. They are trying to make it so that the site is readible for you without messing with the browser font siz...
by whaleknives
Thu Jun 15, 2017 9:40 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7637

Re: Poll: Do Bogleheads own Stocks?

I own Stocks: Microsoft, Praxair, Coca Cola, McDonald's, Dominion Resources, Walmart. Not sure If I qualify to be a Boglehead Lets see....JNJ,AAPL,PM,WMT,DE,TUP,VZ,O,LTC. But have my wifes IRA in 4 Fidelity Index funds. And 3 Bond funds with a Duration under 4 years. I think everyone would be inter...
by whaleknives
Thu Jun 15, 2017 6:45 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7637

Re: Poll: Do Bogleheads own Stocks?

After 5 days and 298 responses, individual stock ownership remains 61%. The largest categories for stockholders are unchanged at age 40 to 60, net worth < $1 million, no employer stocks, and portfolio < 25% individual stocks. 5 days 298 responses Yes by Age | Yes by Net Worth | Yes by | Yes by % Por...
by whaleknives
Thu Jun 15, 2017 4:10 pm
Forum: Forum Issues and Administration
Topic: How do you get this Bogleheads page to go all the way across the screen
Replies: 11
Views: 1231

Re: How do you get this Bogleheads page to go all the way across the screen

Browser zoom or <ctrl +> until you're happy. I'm at 125% on a 14" laptop, and the Chrome browser returns to that setting from the 100% default when I return to Bogleheads.org!
by whaleknives
Thu Jun 15, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: scary phone calls [phone scams]
Replies: 35
Views: 3602

Re: scary phone calls

what a bummer...just tried to add nomorobo and AT&T landlines don't support them. The never-ending calls and hangups are driving me nuts, (and I'm on both DNC state and federal) but I need a landline for business in my area. Same here with a problematic AT&T traditional landline (not U-vers...
by whaleknives
Thu Jun 15, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard's pie chart reflect mixed funds?
Replies: 5
Views: 412

Re: Does Vanguard's pie chart reflect mixed funds?

Admiral wrote:. . . For an account that has $1m but includes $100k of Wellesley, does the chart take into account that 61% of that 100k is bonds?Thanks.

You might be able to check this more easily by changing from the default "My Account View" to an individual account with Wellesley.
by whaleknives
Thu Jun 15, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: scary phone calls [phone scams]
Replies: 35
Views: 3602

Re: scary phone calls

sschoe2 wrote:. . . I wish I could use Nomorobo on my cell as well

Image
by whaleknives
Thu Jun 15, 2017 9:36 am
Forum: Investing - Theory, News & General
Topic: Rebalancing
Replies: 4
Views: 389

Re: Rebalancing

Does Vanguard or others have a tool to rebalance portfolio? Is there a rule of thumb as to when you should rebalance? Vanguard doesn't have a rebalancing tool on their site, but others do. Empower (Great-West) had one on their 401(k) site. For general information, the Wiki is your friend: Rebalanci...
by whaleknives
Wed Jun 14, 2017 4:57 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7637

Re: Poll: Do Bogleheads own Stocks?

After 4 days and 279 responses, individual stock ownership is 61%. The largest categories for stockholders are age 40 to 60, net worth < $1 million, no employer stocks, and portfolio < 25% individual stocks. 4 days 279 responses Yes by Age | Yes by Net Worth | Yes by | Yes by | No for | | Employer S...
by whaleknives
Wed Jun 14, 2017 10:39 am
Forum: Investing - Theory, News & General
Topic: The amount of mined gold is increasing fairly rapidly, IMO
Replies: 22
Views: 1624

Re: The amount of mined gold is increasing fairly rapidly, IMO

. . . In fact, the adoption of the gold standard generally began in the 1870s, ended with Bretton Woods in 1944, and completely ended with the "Nixon shock" of 1971--so, about a century. As a matter of fact, the era of the gold standard just about coincided with the era of the slide rule!...
by whaleknives
Wed Jun 14, 2017 10:30 am
Forum: Investing - Help with Personal Investments
Topic: AA drifting away from soft target - are you all rebalancing?
Replies: 19
Views: 1133

Re: AA drifting away from soft target - are you all rebalancing?

Rather than having a "soft" target and not knowing when to rebalance, why not have a target and rebalancing bands. In your case the target is 65/35 with 5% bands. Also, you can place new money to drive to target whether or not you are outside your bands. I have firm allocations (currently...
by whaleknives
Tue Jun 13, 2017 11:06 am
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7637

Re: Poll: Do Bogleheads own Stocks?

After 3 days, stockholders are at 61%, down slightly. The largest age group remains unchanged at 40 to 60 years, and the largest category of net worth has decreased to < $1 Million. Stockholders without employer plans still lead 2:1. The late question on % portfolio shows most stock is less than 25%...
by whaleknives
Mon Jun 12, 2017 6:17 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7637

Re: Poll: Do Bogleheads own Stocks?

The portfolio question says "If you own individual stocks, what percentage of your portfolio is stock?", so not owning stock shouldn't enter into it. There should be no responses for <25% stock from those with no stocks. What I'll be missing is the 121 responses before I added the questio...
by whaleknives
Mon Jun 12, 2017 5:57 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7637

Re: Poll: Do Bogleheads own Stocks?

The poll requires an answer to the following question, and the survey is not submitted unless one does so. Remember to subtract out those who own no individual stocks from the "<25%" count. If you own individual stock, what percentage of your portfolio is stock? Thank you! I'm adding a &q...
by whaleknives
Mon Jun 12, 2017 5:31 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7637

Re: Poll: Do Bogleheads own Stocks?

daveydoo wrote:
MrNewEngland wrote:73% of respondents have a net worth over $1M... that's impressive.
I better hurry up and take that poll -- I like those odds.

It's only 59% at $1 Mil or over currently. :D
by whaleknives
Mon Jun 12, 2017 4:48 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7637

Re: Poll: Do Bogleheads own Stocks?

Is there any way to revise my answers? I incorrectly answered the question "% of equities in individual stocks?" rather than "% of portfolio in individual stocks." That moves me from 25-50% reported to 10-25%, given that I am roughly 65% equities. I don't think so. Even if you t...
by whaleknives
Mon Jun 12, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: Reasonable HVAC Quote?
Replies: 34
Views: 3276

Re: Reasonable HVAC Quote?

Update on my Carrier install - after a week with the new A/C we were very unhappy with one issue - NOISE!! The Comfort 15 is much noisier than the 16 year old builder grade unit it replaced. Working with the dealer to upgrade to an Infinity unit. In the middle of a heat wave here (record breaker to...
by whaleknives
Mon Jun 12, 2017 4:27 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7637

Re: Poll: Do Bogleheads own Stocks?

MrNewEngland wrote:73% of respondents have a net worth over $1M... that's impressive.

But I think I should have made a category for < $500k, for symmetry.
by whaleknives
Mon Jun 12, 2017 4:21 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7637

Re: Poll: Do Bogleheads own Stocks?

ps56k wrote:I'm not sure the last couple of questions are getting tallied correctly....
I answered on the % of stock ownership - and it is still showing ZERO - for the 50% and above

I see one response for 50% to < 75% now. I don't know what the response time is, but I refresh often.
by whaleknives
Mon Jun 12, 2017 3:31 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7637

Re: Poll: Do Bogleheads own Stocks?

Yohanson wrote:I'm in the majority for every question. Go figure.

You're in a comfortable place, here.
by whaleknives
Mon Jun 12, 2017 3:30 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7637

Re: Poll: Do Bogleheads own Stocks?

alfaspider wrote:It depends what you mean by "own." I have a considerable percentage of my portfolio (~30%) in company stock if you include unvested restricted stock units. . .

I think you should answer yes to stock ownership, and yes to stock from an employer plan. :D
by whaleknives
Mon Jun 12, 2017 3:25 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7637

Re: Poll: Do Bogleheads own Stocks?

Where are you getting the geographical information from? The geographical location comes from your IP address , and is reported usually as a city, but could include a longitude and latitude to 4 decimal places. I don't know how close that comes. If you have concerns about anyone locating you from y...