Search found 35 matches

by young-ish
Thu Apr 20, 2017 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Is this the right Fund for Metals?
Replies: 7
Views: 1099

Re: Is this the right Fund for Metals?

Hi, Im relatively new to investing and recently decided to add precious metals to my portfolio Welcome Leo. What interests you about buying precious metals? Have you read books and research papers about the subject? Metals and the stocks of the companies that mine them tend to be very volatile. Man...
by young-ish
Mon Apr 10, 2017 9:45 pm
Forum: Investing - Theory, News & General
Topic: 10yr 30yr Treasury Bonds in Roth IRA?
Replies: 3
Views: 452

Re: 10yr 30yr Treasury Bonds in Roth IRA?

Should long term treasury bonds be held in a Roth IRA? Or better to leave in taxable. I hold Long-term Treasury Bonds only in tax deferred accounts. This is because the interest income is fully taxable at the Federal level. When my IRA/401k is filled up with bonds I hold low-turnover stock index mu...
by young-ish
Mon Apr 10, 2017 9:34 pm
Forum: Investing - Theory, News & General
Topic: 10yr 30yr Treasury Bonds in Roth IRA?
Replies: 3
Views: 452

Re: 10yr 30yr Treasury Bonds in Roth IRA?

Should long term treasury bonds be held in a Roth IRA? Or better to leave in taxable. I hold Long-term Treasury Bonds only in tax deferred accounts. This is because the interest income is fully taxable at the Federal level. When my IRA/401k is filled up with bonds I hold low-turnover stock index mu...
by young-ish
Mon Feb 13, 2017 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: No company match question.
Replies: 20
Views: 1102

Re: No company match question.

willthrill81 wrote:If there's no company match, then I would skip the 401k in lieu of a traditional IRA, assuming your income allows you to deduct the contributions.


Agreed. Save as much as you can in an IRA (Traditional or Roth) before contributing to a 401k with no match.
by young-ish
Wed Feb 01, 2017 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: How do you guys ignore this stuff?
Replies: 80
Views: 9234

Re: How do you guys ignore this stuff?

I am pretty well set with 50/50 allocation at Vanguard..... It's hard not to want to cash out! Sorry, but if you want to "cash out" after reading a few news headlines then you aren't "well set" with your allocation. How did you come to your 50/50 portfolio? Perhaps you can re-re...
by young-ish
Wed Feb 01, 2017 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Cost of Living Portfolio to Hedge rising costs
Replies: 12
Views: 1114

Re: Cost of Living Portfolio to Hedge rising costs

what I am saying is I understand that renting long term is not beneficial to owning, but renting small vs buying big at this time and saving the difference should help allow for me to own in the future. Does this sound like a better plan now? Yes, "renting small" is a great idea! Just mak...
by young-ish
Wed Feb 01, 2017 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: How much will i need to retire in my apartment in nyc?
Replies: 35
Views: 4392

Re: How much will i need to retire in my apartment in nyc?

we could be comfortable with and extra 2.4k for living beyond the 1.6k which is the whole maintenance fee including gas. Just curious on a ballpark number if staying in nyc is even ever a shot? A balanced investment portfolio of global stocks & bonds currently yields around 2.5% (annual dividen...
by young-ish
Mon Nov 21, 2016 7:05 pm
Forum: Investing - Theory, News & General
Topic: What does a bond bear market look like?
Replies: 91
Views: 9896

Re: What does a bond bear market look like?

Good Listener wrote:
Is this what a bear market looks like in bonds?


No. Check out Wade Pfau's research on bond market declines... https://retirementresearcher.com/greate ... nd-market/

U.K. and U.S. investors lost over 60% of their money in the four decades beginning during WWII.
by young-ish
Mon Nov 21, 2016 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Gain Harvesting?
Replies: 6
Views: 845

Re: Tax Gain Harvesting?

Sounds like you have a good grasp on the topic.

You may want to read this Mad Fientist article just in case you missed something... http://www.madfientist.com/tax-gain-harvesting/
by young-ish
Fri Nov 18, 2016 6:19 pm
Forum: Investing - Theory, News & General
Topic: Inflation Protection: TIPS or Gold?
Replies: 35
Views: 3796

Re: Inflation Protection: TIPS or Gold?

In addition to a traditional 3-fund portfolio, id like to add some protection against inflation as I suspect is likely to be on the rise now and for many many years to come. How do TIPS & Gold each protect against inflation, how do they differ, and which do you use or recommend ? Neither is par...
by young-ish
Fri Nov 18, 2016 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Commission-only sales position -- typical rate?
Replies: 8
Views: 1381

Re: Commission-only sales position -- typical rate?

A 20% payout for new business sales is common. Expect lower for existing client sales (renewals/product upsells). I think it would depend greatly on the effort required to acquire customers (how many sales "walk in the door" and how much is cold calling, for instance) and the complexity o...
by young-ish
Tue Nov 15, 2016 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Commission-only sales position -- typical rate?
Replies: 8
Views: 1381

Re: Commission-only sales position -- typical rate?

It varies depending upon the industry, value of sale and if there is a recurring (annual) commission.

A 20% payout for new business sales is common. Expect lower for existing client sales (renewals/product upsells).
by young-ish
Mon Nov 14, 2016 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: EM buying opportunity? [Emerging Markets]
Replies: 35
Views: 4564

Re: EM buying opportunity?

A lot of market timers on this thread I have a fixed asset allocation strategy. 1/3 of my international stock holdings are invested in Emerging Markets. I've kept that target since I first read Bill Bernstein about 15 years ago. OK, you've kept that target, but you didn't say if your portfolio has ...
by young-ish
Mon Nov 14, 2016 6:32 pm
Forum: Investing - Theory, News & General
Topic: Glide path for 100% Equity Portfolio
Replies: 17
Views: 2826

Re: Glide path for 100% Equity Portfolio

That being said, at what ages does that equity portfolio no longer become prudent, even with a very healthy emergency fund? at 40 should a higher bond allocation be considered? 50? I'm looking for some ideas on a general rule of thumb for someone who is basically 100% equities, high earner, etc. U....
by young-ish
Mon Nov 14, 2016 6:23 pm
Forum: Investing - Theory, News & General
Topic: Is it a good time to buy bond ETF now?
Replies: 10
Views: 2098

Re: Is it a good time to buy bond ETF now?

larui529 wrote:
Last but not least, what do you think is the best book for a new investor. Thanks.


Read the book If You Can by William J. Bernstein.

It's a great easy read and available for free on his website... http://efficientfrontier.com/ef/0adhoc/2books.htm
by young-ish
Mon Nov 14, 2016 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: EM buying opportunity? [Emerging Markets]
Replies: 35
Views: 4564

Re: EM buying opportunity?

A lot of market timers on this thread :greedy

I have a fixed asset allocation strategy. 1/3 of my international stock holdings are invested in Emerging Markets. I've kept that target since I first read Bill Bernstein about 15 years ago.
by young-ish
Thu Nov 03, 2016 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Advice Needed!
Replies: 8
Views: 825

Re: Investing Advice Needed!

I am certainly afraid to lose what I do have in there. If you are really afraid to lose what you have invested in stocks, if it's keeping you up at night then your portfolio is too risky. Holding a larger chunk of cash and U.S. Treasury Bonds will allow you to sleep well and stay the course during ...
by young-ish
Tue Oct 04, 2016 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: If i want to invest in gold (metal), what is the best way?
Replies: 128
Views: 10728

Re: If i want to invest in gold (metal), what is the best way?

First you need to decide if you want to hold physical gold bullion or invest in companies that mine for gold. Of course you could put money in both but that dilutes the reward if one or the other rises dramatically. Second, decide how much precious metals you want to hold as a percentage of your tot...
by young-ish
Thu Sep 29, 2016 1:03 am
Forum: Investing - Theory, News & General
Topic: Has anyone been tempted to buy AMZN?
Replies: 77
Views: 6175

Re: Has anyone been tempted to buy AMZN?

65% of my portfolio is still in individual stocks and I'm trying to sell most and buy index funds in preparation for retirement in 2017. If you don't mind sharing how many individual stocks do you hold? If any company is greater than 10% of your total equity position you may want to investigate the...
by young-ish
Thu Sep 29, 2016 12:53 am
Forum: Investing - Help with Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 58
Views: 4006

Re: Anyone feel like ripping this asset allocation to shreds?

35% in stocks (counting REIT's) is probably fine if you are saving aggressively. The more you have saved the less risk you need to take in order to achieve your goals. I doubt 5% in TIPS is going to matter either way. Maybe just up the BND to 45% and simplify. 5% in commodities is a nice idea but ho...
by young-ish
Tue Aug 02, 2016 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: should i buy this house
Replies: 16
Views: 1578

Re: should i buy this house

What is the price-to-rent ratio on the house?

If you aren't sure then read this detailed post by Paula Pant at Afford Anything... http://affordanything.com/2015/11/24/is ... nt-or-buy/
by young-ish
Wed Jul 27, 2016 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: 20% In REITS?
Replies: 65
Views: 7065

Re: 20% In REITS?

You are late to the party. I agree. Avoid REITS. Back to the original question. The most I've ever seen recommended to put in REITS was about 4%. This was Ric Edelman's portfolio selector that spits out allocations. But others like Burton Malkiel say to put NOTHING in REITS. m That's weird. From my...
by young-ish
Wed Jul 27, 2016 10:12 pm
Forum: Investing - Theory, News & General
Topic: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?
Replies: 267
Views: 22049

Re: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?

This test is for someone who is asking about putting all their eggs in an extremely risky basket but hasn't yet lived through a bear market. By deploying their hard earned cash after a big market decline they will have passed the test and may be a candidate for a highly risky portfolio. Maybe the o...
by young-ish
Wed Jul 27, 2016 3:21 pm
Forum: Investing - Theory, News & General
Topic: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?
Replies: 267
Views: 22049

Re: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?

This test is for someone who is asking about putting all their eggs in an extremely risky basket but hasn't yet lived through a bear market. By deploying their hard earned cash after a big market decline they will have passed the test and may be a candidate for a highly risky portfolio. Maybe the o...
by young-ish
Wed Jul 27, 2016 2:14 pm
Forum: Investing - Theory, News & General
Topic: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?
Replies: 267
Views: 22049

Re: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?

To those thinking of going 100% stocks here is a test: Step 1 - Save up 2 years of living expenses in cash Step 2 - Wait until the next 20% decline in the S&P 500 index Step 3 - Deploy half of your cash savings into the stock market after the 20% drop If you complete step 3 you can deploy the o...
by young-ish
Tue Jul 26, 2016 10:37 pm
Forum: Investing - Theory, News & General
Topic: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?
Replies: 267
Views: 22049

Re: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?

To those thinking of going 100% stocks here is a test: Step 1 - Save up 2 years of living expenses in cash Step 2 - Wait until the next 20% decline in the S&P 500 index Step 3 - Deploy half of your cash savings into the stock market after the 20% drop If you complete step 3 you can deploy the ot...
by young-ish
Tue Jul 26, 2016 10:10 pm
Forum: Investing - Theory, News & General
Topic: Gold. OUNZ, PHYS, IAU, GLD, SGOL?
Replies: 11
Views: 1650

Re: Gold. OUNZ, PHYS, IAU, GLD, SGOL?

Have you tried asking at the Permanent Portfolio discussion board?

http://www.gyroscopicinvesting.com/forum/
by young-ish
Mon Jul 25, 2016 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: 4% rule - Asset Allocation
Replies: 66
Views: 7503

Re: 4% rule - Asset Allocation

Wade Pfau's study on historical safe withdrawal rates found that a 4% starting WDR +inflation had a 100% success rate for 30 year retirements. This perfect score was achieved with an allocation evenly split between stocks and government bonds. For 40 year periods the 4% starting WDR +inflation plan ...
by young-ish
Tue Jul 19, 2016 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Just got back from Europe...ready to sell my International...
Replies: 82
Views: 10962

Re: Just got back from Europe...ready to sell my International...

When you set your AA you made certain assumptions about how the world works. You are now thinking that those assumptions were wrong. So the question comes down to this: were you correct originally, or are you correct now? The evidence is overwhelmingly in favor of you having been correct originally...
by young-ish
Wed Jul 06, 2016 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Ideal allocation for someone who has reached their "number"
Replies: 38
Views: 5164

Re: Ideal allocation for someone who has reached their "number"

I've developed a simple guideline to determine how much of an investment portfolio needs to be invested in risky assets (mainly equities). The main assumption is that you want your savings to provide enough income to maintain your current standard of living for 30 years. For instance if you have sav...
by young-ish
Fri Jul 01, 2016 1:05 am
Forum: Investing - Help with Personal Investments
Topic: Getting rid of international funds
Replies: 83
Views: 8334

Re: Getting rid of international funds

"One of the most common mistakes made by investors from all over the globe is a strong tendency toward home-country bias. I believe this results from what I refer to as confusing the familiar with the safe. This bias leads investors to believe that their home country is not only the safest pla...
by young-ish
Tue Jun 28, 2016 11:41 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, have we "arrived" ?
Replies: 70
Views: 7064

Re: Bogleheads, have we "arrived" ?

Awesome list David!

I would add that Bogleheads have arrived once they achieve total ignorance of financial media.

No CNBC, no Wall Street Journal, no Bloomberg and especially no investment newsletters.
by young-ish
Thu Jun 23, 2016 11:45 pm
Forum: Investing - Theory, News & General
Topic: Another Brexit question
Replies: 15
Views: 3407

Re: Another Brexit question

It will probably be less than 17% come the morning. If you reach your rebalancing band then buy some to get back to it. Otherwise stay the course. Yes, exactly. Stick with your asset allocation plan. On a side note, IMHO 17% Ex-U.S. equities is a little low. Even Vanguard Target Retirement funds ho...
by young-ish
Fri May 06, 2016 2:18 am
Forum: Personal Consumer Issues
Topic: Anyone do online work from online sites?
Replies: 4
Views: 1018

Re: Anyone do online work from online sites?

You should look into Upwork. I've worked with clients through their platform for the last 2 years and it's been really great.

If you have a few hours take a bunch of the skills tests and build up your profile. Clients like to see some credibility from their freelancers.
by young-ish
Fri Apr 15, 2016 12:51 am
Forum: Investing - Help with Personal Investments
Topic: Long Term Allocation High Risk Tolerance
Replies: 18
Views: 1672

Re: Long Term Allocation High Risk Tolerance

Great job thinking about your asset allocation before you have a good deal of money to invest. One thing to be aware of is that many people who are 30 years away from retirement think they can endure big losses in their portfolio because "stocks win in the long run". When equities tank and...