Search found 224 matches

by zuma
Sun Apr 30, 2017 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park 200k cash for 2-5 years
Replies: 12
Views: 1423

Re: Where to park 200k cash for 2-5 years

Most Bogleheads will recommend avoiding stocks if you'll need the money in less than 5 years. That is good advice, but it sounds like you're willing to take some extra risk because of your flexible timeframe. You might consider the LifeStrategy Income fund. It's 20% stocks and 80% bonds. If that's n...
by zuma
Sun Apr 30, 2017 9:12 am
Forum: Investing - Theory, News & General
Topic: Should we treat investors' tolerance for volatility as fixed?
Replies: 86
Views: 2405

Re: Should we treat investors' tolerance for volatility as fixed?

When looking at your investing goals, you should consider all the options available. Saving as much as possible is almost always a prudent choice. Although this is a heterodox view, I want to push back a little on that. I think for many people here, "saving as much as possible" is just a ...
by zuma
Sun Apr 30, 2017 3:53 am
Forum: Investing - Theory, News & General
Topic: Should we treat investors' tolerance for volatility as fixed?
Replies: 86
Views: 2405

Re: Should we treat investors' tolerance for volatility as fixed?

When looking at your investing goals, you should consider all the options available. Saving as much as possible is almost always a prudent choice. Taking neither too little nor too much risk is also a good idea. The question is, what if I've done all I can (in terms of saving, paying debt, etc.) but...
by zuma
Sat Apr 29, 2017 4:19 pm
Forum: Investing - Theory, News & General
Topic: Why aren't small cap indices a major portion of recommended stock allocations?
Replies: 44
Views: 2400

Re: Why aren't small cap indices a major portion of recommended stock allocations?

Some investors (myself included) prefer the simplicity of a cap-weighted total market fund.

If I want more risk in exchange for more expected return, I'll change my AA to include more stocks.
by zuma
Sat Apr 29, 2017 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Suggestion
Replies: 14
Views: 758

Re: Portfolio Suggestion

bluehawk91 wrote:I'm learning about stocks, and I do not have enough knowledge yet to pick stocks/bonds/etfs on my own. For simplicity at the moment, I can allocate all accounts in Target Date Funds.

Thank you!

:thumbsup

Good luck!
by zuma
Sat Apr 29, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: calculating best house value across US markets
Replies: 15
Views: 1171

Re: calculating best house value across US markets

Numbeo might be helpful. https://www.numbeo.com Numbeo provides a tool to see, share and compare information about cost of living worldwide, by providing online software which: - provides to a reader of a website prices for free - uses wisdom of the crowd to get as reliable data as possible - provid...
by zuma
Sat Apr 29, 2017 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Suggestion
Replies: 14
Views: 758

Re: Portfolio Suggestion

I'm considering 50% of S&P500 because of the rate of return. I have been tracking it and it has done very well over time. Choosing funds based on past returns is a poor way to build a portfolio. It's better to think about your desired asset allocation and then decide on funds to realize that al...
by zuma
Sat Apr 29, 2017 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Suggestion
Replies: 14
Views: 758

Re: Portfolio Suggestion

So, my portfolio would look like this: 1) 401K - Target Date Fund 2) Roth IRA - VFFVX 3) TIRA - VFFVX Looks good. Is VFFVX going to be aggressive? I'd like something aggressive in the portfolio. I was thinking about 50% VFFVX and 50% S&P500 for TIRA. I'll not be putting more funds into TIRA tha...
by zuma
Sat Apr 29, 2017 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Does Portfolio Size Influence Stock/Bond Allocation?
Replies: 42
Views: 3696

Re: Does Portfolio Size Influence Stock/Bond Allocation?

Are there people who at 45 are 100% stocks? I don't think I will go there, but I could see a way to rationalize it or close to it (maybe 10% fixed income/other) especially with both spouses working and covering current expenses. Some are, but that's not particularly relevant IMO. What are your inve...
by zuma
Sat Apr 29, 2017 3:48 am
Forum: Investing - Help with Personal Investments
Topic: Help with Investing for Elderly Parents
Replies: 14
Views: 949

Re: Help with Investing for Elderly Parents

What do they want? Are there things on their bucket lists that they still want to do? That's where I would start. I am assuming and you know where that leads.... +1 What is their experience with investing? Will they get nervous when the market falls? Did they ask for your help? Are they both of sou...
by zuma
Sat Apr 29, 2017 2:42 am
Forum: Investing - Help with Personal Investments
Topic: Retirement income for 50+ years?
Replies: 126
Views: 9399

Re: Retirement income for 50+ years?

I agree that you shouldn't focus on dividends.

A total-return approach is generally recommended here, especially if you're a long-term investor.
by zuma
Fri Apr 28, 2017 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Suggestion
Replies: 14
Views: 758

Re: Portfolio Suggestion

Hi, welcome to the forum. Let me know if I can provide any further information. 1) What funds do you hold in your Roth IRA? 2) What funds do you hold in your TIRA? 3) I'm a little confused about the status of your 401k. Is it currently with ML or Vanguard? 4) For each fund that you hold, please ind...
by zuma
Fri Apr 28, 2017 10:36 am
Forum: Investing - Theory, News & General
Topic: Should we treat investors' tolerance for volatility as fixed?
Replies: 86
Views: 2405

Re: Should we treat investors' tolerance for volatility as fixed?

We need to use whatever strategy that works for us. KlangFool That's a good point. If you can achieve your investment objectives with a low-volatility strategy, then why not? Accepting more risk is not an end in itself. However, if an aversion to risk is preventing you from realizing your goals, th...
by zuma
Fri Apr 28, 2017 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Suggestion
Replies: 14
Views: 758

Re: Portfolio Suggestion

Hi, welcome to the forum. Let me know if I can provide any further information. 1) What funds do you hold in your Roth IRA? 2) What funds do you hold in your TIRA? 3) I'm a little confused about the status of your 401k. Is it currently with ML or Vanguard? 4) For each fund that you hold, please indi...
by zuma
Fri Apr 28, 2017 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Beginner portfolio advice requested.
Replies: 4
Views: 248

Re: Beginner portfolio advice requested.

2. I know bonds are good, but I really don't understand them. I'm torn between BND and VCIT. Which would be better long term? Or just get both? You can't go wrong with BND. It's a fine default choice for a core bond holding. VCIT is 100% corporate bonds, which means more risk in exchange for more e...
by zuma
Fri Apr 28, 2017 6:54 am
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 143
Views: 18024

Re: Why not add a "like" button to Boglehead posts?

pondering wrote:The pejorative term used was yours, not mine. Several of them have been used here, and if I have used any, I'll correct my posts. Leaving name calling in a thread like this is inappropriate on both sides.

Fair point. I've updated my post. :)
by zuma
Fri Apr 28, 2017 6:50 am
Forum: Investing - Theory, News & General
Topic: Should we treat investors' tolerance for volatility as fixed?
Replies: 86
Views: 2405

Re: Should we treat investors' tolerance for volatility as fixed?

Interesting question. I haven't read any of the research myself, but I would guess that one's emotional disposition toward risk is informed by a variety of factors both environment and genetic. I would also suspect that one's investing temperament -- and attitudes toward risk in general -- could cha...
by zuma
Fri Apr 28, 2017 2:36 am
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 143
Views: 18024

Re: Why not add a "like" button to Boglehead posts?

Even getting an option for the Home tag on every page being user selectable (the default works very poorly in Safari) was turned down. The current crowd here is self selected. They like things the way they are. A like button has multiple uses. As a lighter form of engagement it is particularly suit...
by zuma
Thu Apr 27, 2017 10:31 am
Forum: Investing - Theory, News & General
Topic: Article on Vanguard Total Stock Market
Replies: 10
Views: 2232

Re: Article on Vanguard Total Stock Market

I admit to being rather naive when it comes to investing. If I wanted to get some small cap/value in my portfolio, what Vanguard funds would I want to look at? VISVX is one to look at. See https://www.bogleheads.org/forum/viewtopic.php?t=100487 and https://www.bogleheads.org/forum/viewtopic.php?f=1...
by zuma
Thu Apr 27, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Best strategy for retaining tenants?
Replies: 30
Views: 1958

Re: Best strategy for retaining tenants?

I question some of the recommendations to let them go month-to-month. If OP's biggest concern is the lost time/money in having to fly back and show the apartment if current tenants move out, then it behooves him lock current tenants into another year (or two) lease rather than have them go month-to...
by zuma
Thu Apr 27, 2017 5:13 am
Forum: Investing - Help with Personal Investments
Topic: 140k safe investment for 4 months
Replies: 4
Views: 653

Re: 140k save investment for 4 months

A high-yield savings account at 1.05% APY would be best. Check out Ally or Synchrony.

However, if it's only a 4-month investment period, any FDIC-insured account would be fine.
by zuma
Thu Apr 27, 2017 4:32 am
Forum: Investing - Theory, News & General
Topic: How to Incorporate Bonds into asset allocation
Replies: 3
Views: 510

Re: How to Incorporate Bonds into asset allocation

TIPS track actual inflation and should be viewed as a kind of insurance against unexpected inflation. A nominal bond fund like BND may produce better returns during periods of "normal" inflation. If you decide to hold TIPS, a common recommendation is between 20–50% of your fixed income all...
by zuma
Thu Apr 27, 2017 3:54 am
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 143
Views: 18024

Re: Why not add a "like" button to Boglehead posts?

pondering wrote:There are a lot of vocal people not all that interested in trying something new.

Including the forum admins, who have compelling reasons to not try the new thing in question. :)
by zuma
Thu Apr 27, 2017 3:46 am
Forum: Investing - Help with Personal Investments
Topic: Retirement income for 50+ years?
Replies: 126
Views: 9399

Re: Retirement income for 50+ years?

As to the question of waiting for a crash: if you wait for, say, 5 years, and the market is still trending upward, how will you feel? What will you do? If you decide to wait, you should have a plan for that scenario. There's no guarantee that a significant downturn (to a point below current levels)...
by zuma
Wed Apr 26, 2017 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Taxation on Investments Question
Replies: 4
Views: 416

Re: Taxation on Investments Question

Tax efficiency of bonds
Some investors see bonds or bond funds as tax-inefficient because almost all of the return comes from the dividend yield, which is fully taxed as ordinary income.

https://www.bogleheads.org/wiki/Tax-eff ... _placement
by zuma
Wed Apr 26, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Best strategy for retaining tenants?
Replies: 30
Views: 1958

Re: Best strategy for retaining tenants?

Yes, converting to month-to-month after the initial lease expires is very common. Your tenants may be expecting that to happen if you don't inform them otherwise.
by zuma
Wed Apr 26, 2017 6:40 am
Forum: Investing - Help with Personal Investments
Topic: Investing $1M
Replies: 57
Views: 5484

Re: Investing $1M

One concern I would have is the plan to retire at 30 years of age with $1,000,000 and begin distributions. In my opinion, while $1,000,000 sounds like a lot of money (and it is), at 30 years of age and the expected time frame, this amount may not be enough to be comfortable. Best. Read the thread. ...
by zuma
Wed Apr 26, 2017 6:07 am
Forum: Investing - Help with Personal Investments
Topic: I'm jumping into taxable brokerage account not knowing what I'm doing, advise please!
Replies: 7
Views: 698

Re: I'm jumping into taxable brokerage account not knowing what I'm doing, advise please!

Hi milkshake,

We could use some more information.

See this post on asking portfolio questions: viewtopic.php?t=6212

Without knowing your desired asset allocation, investment objectives, and so on, it's impossible to give good advice.
by zuma
Wed Apr 26, 2017 5:52 am
Forum: Investing - Help with Personal Investments
Topic: Retirement income for 50+ years?
Replies: 126
Views: 9399

Re: Retirement income for 50+ years?

Congratulations. I think being flexible with your spending should be a priority. It's good that you're prepared to do that. $300k might seem like a reasonable amount now given your wealth, but the future is hard to predict. The market will fluctuate over the years, sometimes significantly, but your ...
by zuma
Wed Apr 26, 2017 4:36 am
Forum: Investing - Theory, News & General
Topic: Single most important investing advice?
Replies: 83
Views: 7041

Re: Single most important investing advice?

The most important realization for me was that investing doesn't have to be complicated in order to be effective.

That means you can do it yourself.

Having a simple portfolio that you understand clearly and can maintain easily will help you achieve your investing goals.
by zuma
Wed Apr 26, 2017 4:21 am
Forum: Investing - Theory, News & General
Topic: Thinking in real vs. nominal
Replies: 46
Views: 2985

Re: Thinking in real vs. nominal

Interesting discussion. I suppose I'm a realist insofar as I'm worried about the long-term erosive effects of inflation on my portfolio. Given my 40+ year horizon, it's not something to ignore. When I've experimented with various early retirement scenarios, the inflation component always strikes me ...
by zuma
Tue Apr 25, 2017 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Does Portfolio Size Influence Stock/Bond Allocation?
Replies: 42
Views: 3696

Re: Does Portfolio Size Influence Stock/Bond Allocation?

Following the ability-willingness-need approach to assessing risk tolerance, you have the ability but not the need to continue taking risk. Assuming your investment objectives have been sufficiently met, IMO you should focus on preserving what you have.
by zuma
Tue Apr 25, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Investing $1M
Replies: 57
Views: 5484

Re: Investing $1M

Opinions on the Vanguard Managed Payout Fund? https://investor.vanguard.com/mutual-funds/managed-payout/#/ I don't think it's very popular around here, probably because it's actively managed and relatively expensive at 0.38%. You could create a similar portfolio of low-cost index funds and achieve ...
by zuma
Tue Apr 25, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Software to track asset allocation (no tickers)
Replies: 41
Views: 3220

Re: Software to track asset allocation (no tickers)

Hmm... do the CAGR values not work for ETF's? That is a bummer. Seems I can get stats on current price relative to previous day's close, but the CAGR values don't work (not a mutual fund?)... It only works with mutual funds, unfortunately. There's a workaround you can try, however, using the IMPORT...
by zuma
Tue Apr 25, 2017 7:03 am
Forum: Investing - Help with Personal Investments
Topic: Investing $1M
Replies: 57
Views: 5484

Re: Investing $1M

Keep working, it sets a good example for the rest of your family (children??). This is questionable advice given how little we know about the OP. As is some of your advice. I basically suggested to the OP: keep learning, take your time, find an allocation that works for you, but don't stay on the s...
by zuma
Tue Apr 25, 2017 5:58 am
Forum: Investing - Help with Personal Investments
Topic: Investing $1M
Replies: 57
Views: 5484

Re: Investing $1M

Billionaire wrote:Keep working, it sets a good example for the rest of your family (children??).

This is questionable advice given how little we know about the OP.
by zuma
Tue Apr 25, 2017 5:21 am
Forum: Investing - Help with Personal Investments
Topic: Investing $1M
Replies: 57
Views: 5484

Re: Investing $1M

I agree that you need to do a little more reading . Take your time, there's no need to rush. Waiting around for the next crash is a bad idea. No one knows when it will happen, and when it does there's no guarantee that the market will fall below current levels. You need to think more about your risk...
by zuma
Mon Apr 24, 2017 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree Withdrawal Portfolio
Replies: 19
Views: 1645

Re: Retiree Withdrawal Portfolio

Taking $17k yearly from a $750k portfolio equals a withdrawal rate of 2.3%. Anything below 3% is considered safe for a 40-year retirement period. Some would argue that 4% is safe. In my opinion your mother doesn't need to take very much risk in order to meet her retirement objectives (assuming her g...
by zuma
Mon Apr 24, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Why is Real-Estate so Bad?
Replies: 113
Views: 8485

Re: Why is Real-Estate so Bad?

A follow-up question would be how would I know/expect when these dividends will be received? I am currently invested 100% in Total US Index (VTSAX) Quarterly. Click on the "Distributions" tab for the fund: https://personal.vanguard.com/us/funds/snapshot?FundId=0585&FundIntExt=INT#tab=...
by zuma
Mon Apr 24, 2017 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Why is Real-Estate so Bad?
Replies: 113
Views: 8485

Re: Why is Real-Estate so Bad?

I think it's smart to ask about real estate here on bogleheads as you will get learned opinions. However, not sure there are a lot of actual experienced opinions here as much as "my friend told me his horror stories." Most people here do ETFs but not real estate. They make assumptions abo...
by zuma
Mon Apr 24, 2017 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Why is Real-Estate so Bad?
Replies: 113
Views: 8485

Re: Why is Real-Estate so Bad?

A follow-up question would be how would I know/expect when these dividends will be received? I am currently invested 100% in Total US Index (VTSAX) Quarterly. Click on the "Distributions" tab for the fund: https://personal.vanguard.com/us/funds/snapshot?FundId=0585&FundIntExt=INT#tab=4
by zuma
Mon Apr 24, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Why is Real-Estate so Bad?
Replies: 113
Views: 8485

Re: Why is Real-Estate so Bad?

Real estate can appreciate/depreciate in value while producing rental income.

Index funds can appreciate/depreciate in value while producing dividend income.

They are essentially the same in this regard.
by zuma
Mon Apr 24, 2017 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Why is Real-Estate so Bad?
Replies: 113
Views: 8485

Re: Why is Real-Estate so Bad?

Both are valid ways of investing, but a total stock index fund is more diversified, more liquid, and more cost-efficient than physical real estate. Moreover, I can buy an index fund from the comfort of my couch and I can easily generate "passive income" by selling shares or keeping dividen...
by zuma
Mon Apr 24, 2017 5:48 am
Forum: Investing - Help with Personal Investments
Topic: Investing a windfall
Replies: 7
Views: 1204

Re: Investing a windfall

What dbr said. Do you already have an overall asset allocation that you're comfortable with? If you do, then invest accordingly and don't get distracted by the noise. If not, then (1) think about how much risk you're willing to take, (2) decide on an appropriate allocation, and (3) choose funds to r...
by zuma
Mon Apr 24, 2017 5:20 am
Forum: Investing - Help with Personal Investments
Topic: What fund to invest spare change in?
Replies: 4
Views: 523

Re: What fund to invest spare change in?

For $30–40k that needs to be accessible in 6 months, I would use a high-yield savings account with Ally or Synchrony or similar.
by zuma
Mon Apr 24, 2017 4:34 am
Forum: Investing - Help with Personal Investments
Topic: Help with father's investments - fixed income
Replies: 4
Views: 620

Re: Help with father's investments - fixed income

I think this question boils down to how much risk you're willing to take. I'd consider a 30/70 two-fund portfolio for maximum simplicity and a bit of equity risk/return. 70% total bond index (or maybe short-term bond fund) = 4 years of expenses. The remaining 30% goes into a total stock fund. You co...
by zuma
Sat Apr 22, 2017 6:41 pm
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 143
Views: 18024

Re: Why not add a "like" button to Boglehead posts?

I'm against it.

I think adding a "like" button would skew the incentives that motivate people to contribute. An online community that's encouraged to generate "liked" content -- regardless of accuracy or relevance -- is not necessarily a good thing IMO.
by zuma
Sat Apr 22, 2017 6:21 am
Forum: Investing - Help with Personal Investments
Topic: Which Euro bond ETF to buy?
Replies: 9
Views: 1822

Re: Which Euro bond ETF to buy?

I have been thinking about this recently. I'm a US citizen living in the EU, working part-time, dipping into the portfolio when needed to cover expenses. This means converting dollars into euros occasionally. Current investments are all US-domiciled ETFs. It's a typical BH portfolio -- US stock, non...
by zuma
Sat Apr 22, 2017 5:12 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Tweaking?
Replies: 3
Views: 352

Re: Asset Allocation Tweaking?

What factors led you to choose a 60/40 allocation last year? If those haven't changed, then I wouldn't change your portfolio.
by zuma
Fri Apr 21, 2017 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review and advice
Replies: 6
Views: 570

Re: Portfolio review and advice

My 2 cents: I'd go with a 70/30 three-fund portfolio, or maybe 60/40. There's really no need to make it more complicated than that. The key thing is to decide what asset allocation you want. Think of your portfolio as a whole and put as much of your bond allocation as possible in your tax-advantaged...

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