Search found 1794 matches

by zaboomafoozarg
Sat Aug 19, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 74
Views: 6853

Re: IBonds: My worst bond investment over the last 5 years

I bought $5,000 in I bonds at the end of 2011. It is now worth $5,450.00. If I had spent that $5,000 on BND (Total Bond Market) instead, it would be worth $5,708.55. If I had spent that $5,000 on VTI (Total US Stock Market) instead, it would be worth $10,765.11. And If I had spent that $5,000 on bit...
by zaboomafoozarg
Wed Aug 16, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 5329

Re: Plan for making child pay for part of college

I was given the ultimatum: get scholarships for college or you'll pay for it yourself.

So I studied for the ACT 20-30 hours a week during the summer, aced it and got a full tuition scholarship at a state school, close enough that I could live at home so I didn't have to pay for room and board.
by zaboomafoozarg
Tue Aug 15, 2017 9:46 pm
Forum: Investing - Theory, News & General
Topic: what was the actual return of BND last year?
Replies: 19
Views: 1811

Re: what was the actual return of BND last year?

It shows that BND in the face of news of rising rates, which we have known for a couple of years now, still beats being parked in a MMF. Not by a lot. And it depends on the price of BND at the time you're going to sell as well. From 8/16 to 8/17, BND had a share price dip in the middle but has clim...
by zaboomafoozarg
Tue Aug 15, 2017 7:27 pm
Forum: Investing - Theory, News & General
Topic: what was the actual return of BND last year?
Replies: 19
Views: 1811

Re: what was the actual return of BND last year?

Open to critics on this. I would like to think I could do better with the bond fund, but any fund carries duration risk. The MMF does not. If you are making purchases regularly (say bimonthly or monthly), then the fluctuation in prices can make for better buying opportunities and possibly better re...
by zaboomafoozarg
Tue Aug 15, 2017 5:55 pm
Forum: Investing - Theory, News & General
Topic: what was the actual return of BND last year?
Replies: 19
Views: 1811

Re: what was the actual return of BND last year?

BND return was 2.57% for 2016 per Morningstar's data.
by zaboomafoozarg
Tue Aug 15, 2017 12:15 pm
Forum: Investing - Theory, News & General
Topic: What a Low Return Outlook Means for Your Retirement?
Replies: 42
Views: 5123

Re: What a Low Return Outlook Means for Your Retirement?

So based on the last chart in that article, I should be planning for a 2% safe withdrawal rate instead of a 3%. :shock:

Awesome :oops:

Still, I think I could get there by 55 if I continue to save 50-60% of income and do work on the side.
by zaboomafoozarg
Sun Aug 13, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: One more year [to retire]
Replies: 23
Views: 2521

Re: One more year

I find that as I get older, the variety of things I can do other than work (mostly athletic) seems to be declining. I'm very curious what people intend to do in retirement. When I was 20 I thought retirement would be awesome. Now I'm wary of it. I'm trying to get to retirement by age 45 so I can st...
by zaboomafoozarg
Sat Aug 05, 2017 10:18 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 11145

Re: Your "at peace" moments.

Watching ASMR videos on YouTube is super relaxing for me. It's inexplicable, but it works.
by zaboomafoozarg
Sat Jul 29, 2017 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Good Service for Flagship Investors
Replies: 35
Views: 4309

Re: Good Service for Flagship Investors

If someone can provide me with a small loan of several hundred thousand dollars, I too will post my Flagship experience in this thread. :D
by zaboomafoozarg
Fri Jul 28, 2017 3:45 pm
Forum: Investing - Theory, News & General
Topic: Retirement plan for newborns
Replies: 15
Views: 1227

Re: Retirement plan for newborns

My dad spent $10k on EE bonds for my nephew when he was born. They more than doubled by the time he went to college. Paid for a great portion of his college ed. I think my nwphew had around 40k from grandparents. Same thing for the few hundred $ of EE bonds that my great grandma bought for me when ...
by zaboomafoozarg
Sun Jul 23, 2017 10:00 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: REITs Aren't Special
Replies: 106
Views: 8424

Re: Larry Swedroe: REITs Aren't Special

lazyday wrote:With Research Affiliates assumptions, the 10 year real expected return for US largecap is 0.5% per year, US REITS 1.9% per year.

https://interactive.researchaffiliates. ... rrency=USD


Looking some more at that site - expected returns for the next 10 years look bad for EVERYTHING except international stocks.
by zaboomafoozarg
Sun Jul 23, 2017 2:20 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: REITs Aren't Special
Replies: 106
Views: 8424

Re: Larry Swedroe: REITs Aren't Special

At current PE's though, the entire US market ER isn't much higher than that, is it? Anyone? With Research Affiliates assumptions, the 10 year real expected return for US largecap is 0.5% per year, US REITS 1.9% per year. m Wow, that's actually opposite of what I was thinking - expected return of to...
by zaboomafoozarg
Sun Jul 23, 2017 1:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 146
Views: 15989

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

...instead of waiting until Vanguard does it automatically. They can't do it automatically. You can't just open brokerage accounts for people w/o their consent. But IIRC they don't give you an option of not converting. I did it manually ASAP but my parents waited until Vanguard was effectively forc...
by zaboomafoozarg
Sun Jul 23, 2017 12:36 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 146
Views: 15989

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

letsgobobby wrote:How should we "deal with it on OUR terms?" What does that mean?


Probably to initiate the account conversion yourself, instead of waiting until Vanguard does it automatically.
by zaboomafoozarg
Sat Jul 22, 2017 10:40 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: REITs Aren't Special
Replies: 106
Views: 8424

Re: Larry Swedroe: REITs Aren't Special

nedsaid wrote:The projected real return above inflation of 0.30% is one reason I stopped adding to my REIT position. Indeed, I cut back my REIT stake by 20%. Larry's work did influence me.


At current PE's though, the entire US market ER isn't much higher than that, is it?
by zaboomafoozarg
Sat Jul 22, 2017 10:12 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: REITs Aren't Special
Replies: 106
Views: 8424

Re: Larry Swedroe: REITs Aren't Special

I wonder if this observation is also true of the TIAA Real Estate fund.

I'd love to be able to get an IRA there to invest in that fund, but alas, neither I nor any of my family members have the required work experience in order for me to qualify.
by zaboomafoozarg
Sat Jul 22, 2017 10:02 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Drives Municipal Bond Yields
Replies: 42
Views: 3366

Re: Larry Swedroe: What Drives Municipal Bond Yields

Zaboomafoozarg, I agree. Need at list one asset class that is the same (or largely the same) in both taxable and tax advantaged accounts to maintain the desired AA. I think there's frequently a point where individuals have to accept something less than perfect asset location for the sake of the ass...
by zaboomafoozarg
Sat Jul 22, 2017 8:54 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Drives Municipal Bond Yields
Replies: 42
Views: 3366

Re: Larry Swedroe: What Drives Municipal Bond Yields

I recently reached a point where I wasn't concerned about free lunch or not - my taxable account had nothing but stock funds in it and was finally worth enough that I felt some balance was necessary there. So lately I've been buying Vanguard's intermediate-term tax-exempt bond fund in my taxable acc...
by zaboomafoozarg
Fri Jul 21, 2017 3:58 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: REITs Aren't Special
Replies: 106
Views: 8424

Re: Larry Swedroe: REITs Aren't Special

nedsaid wrote:The problem I am beginning to have with all of this is that academic research is starting to look faddish.


Agreed. More and more I can see the appeal of just buying total market and being done with it. But I have my tilts and I'm sticking to 'em.
by zaboomafoozarg
Fri Jul 21, 2017 11:39 am
Forum: Investing - Theory, News & General
Topic: Cryptocurrencies
Replies: 45
Views: 3272

Re: Cryptocurrencies

A classmate of mine put everything of his into bitcoin in 2011, thinking that the US economy was going to collapse.

It didn't collapse, but also he is now a early-retired multi-millionaire at the age of about 30.
by zaboomafoozarg
Thu Jul 20, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Are my parents a good fit for Vanguard Advisory Services?
Replies: 11
Views: 1341

Re: Are my parents a good fit for Vanguard Advisory Services?

A Vanguard IRA with a single target date fund holding might also be an option to consider.

My parents also didn't want to worry about individual funds, so they rolled over to Vanguard and invested everything in Target Date 2025.
by zaboomafoozarg
Thu Jul 20, 2017 3:43 pm
Forum: Investing - Theory, News & General
Topic: Bogle is pro-SCV!
Replies: 36
Views: 4027

Re: Bogle is pro-SCV!

amd7239 wrote:The SCV tilt debate is over!

http://paulmerriman.com/10-lessons-jack ... dex-funds/


Just like the US-international allocation debate is over because Bogle advocates US-only? :D
by zaboomafoozarg
Wed Jul 19, 2017 4:24 pm
Forum: Investing - Theory, News & General
Topic: The Death of Buy and Hold
Replies: 25
Views: 3237

Re: The Death of Buy and Hold

bligh wrote:OP, Did you, a client or a friend of yours write the book?


Definitely not the author, since he died 6 months ago :(
by zaboomafoozarg
Wed Jul 19, 2017 4:04 pm
Forum: Investing - Theory, News & General
Topic: The Death of Buy and Hold
Replies: 25
Views: 3237

Re: The Death of Buy and Hold

gwrvmd wrote:What does a 5 star book on Amazon mean?..........Gordon


It could either mean it's a really good book, or a bunch of people who are wrong think it's a really good book

or that somebody bought a lot of fake reviews.
by zaboomafoozarg
Sun Jul 16, 2017 8:07 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1186
Views: 174466

Re: QSPIX - thoughts on interesting fund

matjen wrote:I haven't sold any QSPIX but the market run up has moved me closer to 6% now. I'll stick with that and I have some of Stone Ridge's LENDX and will likely add some SRRIX. Perhaps 10-15% between the three.


I assume you have to have an advisor to buy SRRIX?
by zaboomafoozarg
Fri Jul 14, 2017 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Have you switched from Total International to Slice & Dice or vice versa?
Replies: 28
Views: 2065

Re: Have you switched from Total International to Slice & Dice or vice versa?

I do 70% total international (VXUS), 20% small cap international (VSS), and 10% international REITs (VNQI). I'm doing almost the same, except my target percentages are 50/40/10. I did more of a SC tilt after being convinced that a smaller SC slice wouldn't make much of a difference, so I went just ...
by zaboomafoozarg
Wed Jul 12, 2017 3:55 pm
Forum: Investing - Theory, News & General
Topic: My Favorite Alternative Funds
Replies: 119
Views: 9566

Re: My Favorite Alternative Funds

Final point, maybe I'm a little overly influenced on these funds by one expert former poster? Maybe. If I can understand the concepts of these funds and he tells me he's done due diligence I don't need to backtest for example SRRIX in 2008 or maybe try to find the last 150 years of reinsurance retu...
by zaboomafoozarg
Tue Jul 11, 2017 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Have you switched from Total International to Slice & Dice or vice versa?
Replies: 28
Views: 2065

Re: Have you switched from Total International to Slice & Dice or vice versa?

I do 70% total international (VTI), 20% small cap international (VSS), and 10% international REITs (VNQI).
by zaboomafoozarg
Sat Jul 08, 2017 9:58 am
Forum: Investing - Theory, News & General
Topic: My Favorite Alternative Funds
Replies: 119
Views: 9566

Re: My Favorite Alternative Funds

What will be interesting is to see how such funds will behave in an actual crisis. In theory, they will do what they are designed to do. The funds that use leverage and shorting are vulnerable to unexpected market moves, one would hope that the managers know what they are doing. Leverage and shorti...
by zaboomafoozarg
Fri Jul 07, 2017 2:33 pm
Forum: Investing - Theory, News & General
Topic: My Favorite Alternative Funds
Replies: 119
Views: 9566

Re: My Favorite Alternative Funds

I'm not sure which advisors allow access to Stone Ridge funds, but I assume they would require more money than I have in order to work with them.
by zaboomafoozarg
Thu Jul 06, 2017 11:47 pm
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 15361

Re: Dividend Misunderstandings & Only Spend Return

Not sure why there's any confusion at this point, Larry wrote about it many times.
by zaboomafoozarg
Wed Jul 05, 2017 8:54 pm
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 225
Views: 32940

Re: What's the ideal safe retirement net worth target?

HomerJ wrote:
zaboomafoozarg wrote:One decade of returns like that would leave me set for life, let alone 2 decades! But I don't think I will see any decades like that in the next 60-70 years.


We've seen 7 years of returns like that just now. 2010-2017 - around 12% annual real returns


That's true. Maybe it'll continue!
by zaboomafoozarg
Tue Jul 04, 2017 10:23 pm
Forum: Investing - Theory, News & General
Topic: 100% stocks no debt?
Replies: 56
Views: 4370

Re: 100% stocks no debt?

pepperz wrote:Let's say you're relatively young (35)


I'm not even 35 yet and I feel as old as dirt!

Maybe that's why I've got 20% in bonds.
by zaboomafoozarg
Tue Jul 04, 2017 12:03 pm
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 225
Views: 32940

Re: What's the ideal safe retirement net worth target?

1980s 11.3% annual real return with dividends reinvested before any expenses or taxes. 1990s 14.1% annual real return with dividends reinvested before any expenses or taxes. One decade of returns like that would leave me set for life, let alone 2 decades! But I don't think I will see any decades li...
by zaboomafoozarg
Sat Jul 01, 2017 8:40 am
Forum: Investing - Help with Personal Investments
Topic: 33 and getting serious about retirement
Replies: 17
Views: 2169

Re: 33 and getting serious about retirement

With a 6% guaranteed return paying off the $200k student loans, I'd consider putting money into those after hitting the 401k match.
by zaboomafoozarg
Sat Jul 01, 2017 8:04 am
Forum: Investing - Theory, News & General
Topic: Why Diversify? Why Not 100% Global Stocks
Replies: 31
Views: 3053

Re: Why Diversify? Why Not 100% Global Stocks

minimalistmarc wrote:umm, so sell some stocks. What do you think retirees do for income?


Needing to selling stocks at a time like March 2009 is being forced to sell low. Potentially very low.
by zaboomafoozarg
Sat Jul 01, 2017 8:00 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 146
Views: 15989

Re: Vanguard upgraded my accounts - angry

To be fair, they have said they were going to do this update to every account for 2 years now.
by zaboomafoozarg
Fri Jun 30, 2017 11:16 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 146
Views: 15989

Re: Vanguard upgraded my accounts - angry

I find that a combined account is simpler than having 2 separate account types for mutual funds and stocks/ETFs. Things are a little different now but I welcomed the change.
by zaboomafoozarg
Sun Jun 25, 2017 10:10 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 13886

Re: Anyone else gotten totally bored with investing?

I haven't gotten totally bored yet. I still feel the need to tweak every now and then, so I shuffle things around by 5-10% just to "scratch the itch", knowing full well that amount of movement won't make much of a difference in the long run. But it pacifies me for another few years.
by zaboomafoozarg
Tue Jun 20, 2017 10:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard risk tolerance survey blunder.
Replies: 41
Views: 4309

Re: Vanguard risk tolerance survey blunder.

How is an astute investor supposed to answer a question like this? I've heard before that astute investors don't take risk tolerance surveys to measure their risk tolerance, they take them to make fun of the surveys... ... and the people who make the surveys, and the people who take the surveys wit...
by zaboomafoozarg
Sun Jun 18, 2017 3:10 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite Portfolio Tilts
Replies: 86
Views: 6900

Re: Your Favorite Portfolio Tilts

70% total market, 20% small value and 10% REITs. There are many tilts like it, but this one is mine. I think your combination is the best one in this thread. Haha, thanks. The asset allocation I got from Rick Ferri, with the small value as a substitute for small business and REITs as a substitute f...
by zaboomafoozarg
Sat Jun 17, 2017 1:59 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite Portfolio Tilts
Replies: 86
Views: 6900

Re: Your Favorite Portfolio Tilts

70% total market, 20% small value and 10% REITs.

There are many tilts like it, but this one is mine.
by zaboomafoozarg
Fri Jun 16, 2017 3:51 pm
Forum: Investing - Theory, News & General
Topic: FireCalc: Equities almost 70% for a 20 year term???
Replies: 43
Views: 3945

Re: FireCalc: Equities almost 70% for a 20 year term???

FireCalc defaults to an allocation of 75/25, which is what I plan on staying at for the rest of my life.
by zaboomafoozarg
Fri Jun 09, 2017 2:56 pm
Forum: Investing - Theory, News & General
Topic: Jim Rogers predicting "crash of a lifetime" this year or next
Replies: 89
Views: 10867

Re: Jim Rogers predicting "crash of a lifetime" this year or next

LOL, Henry Blodget's in that video! I haven't seen him since he was hawking almost every tech stock in existence during the dot-com days.

Edit: so Rogers is predicting the collapse of western civilization starting in the next year. Oooookay.
by zaboomafoozarg
Sun Jun 04, 2017 11:27 am
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 9390

Re: Everything keeps going up, this feels too easy?

TheTimeLord wrote:The FEAR in this forum has become palpable in the past week or so. I am sure lots of BH have their personal theories as to why.


Maybe because PE10 is 29.88 right now, and the only other times it's been that high before were 1929 and 1998.
by zaboomafoozarg
Sat Jun 03, 2017 11:48 am
Forum: Investing - Theory, News & General
Topic: How do you fight the urge to micromanage?
Replies: 57
Views: 4532

Re: How do you fight the urge to micromanage?

I allow myself to micromanage 10% of my portfolio. The other 90% just stays the same.
by zaboomafoozarg
Mon May 29, 2017 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: 20 percent international
Replies: 29
Views: 3068

Re: 20 percent international

Nova1967 wrote:I never thought of it that way I just assumed 20% INT was 20% of the entire portfolio


If I see 20 INT then I assume we're talking D&D :D
by zaboomafoozarg
Sat May 27, 2017 12:13 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on (fear of?) investing: money won vs. money earned
Replies: 27
Views: 2152

Re: Thoughts on (fear of?) investing: money won vs. money earned

Sounds like you need an Investment Policy Statement. Decide what you want your emergency savings to be and put the rest to work at your desired AA. Sometimes I think I need an Enjoyment Policy Statement. My Investment Policy Statement doesn't care about enjoyment, just that every spare penny gets i...
by zaboomafoozarg
Sun May 21, 2017 10:16 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 13765

Re: For those with $500k-$1m in investments...

But looking at the population as a whole made me feel much better about where I am. Hanging around here doesn't always make me feel so. Agreed, I felt way more optimistic about my situation and my future before joining this forum. Of course it was out of ignorance, but sometimes I yearn for that ha...
by zaboomafoozarg
Sun May 21, 2017 12:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3823
Views: 1002190

Re: U.S. stocks in freefall

JonnyDVM wrote:Don't ruin the thread,just let it go. How can you guys lose focus at a time like this?


I absolutely agree, this thread is a national treasure!

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