Search found 345 matches

by zuma
Thu May 17, 2018 12:14 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 9019

Re: The front page is ugly

Switch to a sans serif font. Subjectively, I find Times New Roman to be an ugly font for web pages and so do many professional web designers, hence why most major websites don't use it. I also think Times New Roman is ugly, but the Bogleheads website doesn't choose which serif font to display for y...
by zuma
Mon May 14, 2018 9:45 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 9019

Re: The front page is ugly

It is "ugly" but it is functional, loads pretty fast. I'm not a web designer but I would guess that there are ways to refresh the layout while keeping it predominately text. The one change I would make is changing the home page font to a sans serif font for easier reading. https://www.fonts.com/con...
by zuma
Mon May 14, 2018 6:38 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 9019

Re: The front page is ugly

The front page is fine. I wish more websites looked like they were made in the 90s. Modern web design is mostly awful.
by zuma
Tue May 08, 2018 2:46 am
Forum: Investing - Theory, News & General
Topic: Why do so many Americans not own stocks?
Replies: 44
Views: 3527

Re: Why do so many Americans not own stocks?

Because most Americans are working so they can buy food and pay their bills. Living Paycheck to Paycheck is a Way of Life for Majority of U.S. Workers, According to New CareerBuilder Survey Study Highlights: - 78 percent of U.S. workers live paycheck to paycheck to make ends meet - Nearly one in 10 ...
by zuma
Thu Apr 26, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 9244

Re: How did you tell the boss you're leaving/retiring?

A friend of mine announced his retirement by going into his boss' office late one afternoon and said, "By the way, today was my last day." He handed the boss his company-issued cellphone, walked out, and never looked back. He's my inspiration. I feel sorry for your friend, I doubt that kind of atti...
by zuma
Thu Apr 26, 2018 3:04 am
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 9244

Re: How did you tell the boss you're leaving/retiring?

Simply tell them you are planning to retire and give them enough time to prepare for your departure. I wouldn't be nervous at all and I wouldn't care what my boss thinks about the decision. Retiring is normal.
by zuma
Tue Apr 24, 2018 2:58 am
Forum: Investing - Help with Personal Investments
Topic: EXPAT: Strategy when invested in USA and spending in EUROS
Replies: 64
Views: 3920

Re: EXPAT: Strategy when invested in USA and spending in EUROS

I could make this change within my tax-advantaged accounts, so I suppose the main concerns are 1) adding rebalancing complexity and 2) increasing overall costs (IGOV is 0.35% ER). Thanks. Still, it seems only about 50% may be hold in Euros. So I would get the risk of other currencies. Is there some...
by zuma
Sun Apr 22, 2018 8:45 am
Forum: Investing - Help with Personal Investments
Topic: EXPAT: Strategy when invested in USA and spending in EUROS
Replies: 64
Views: 3920

Re: EXPAT: Strategy when invested in USA and spending in EUROS

13.3% Total US Bond Market 13.3% TIPS 13.3% Unhedged International Treasury Bond (IGOV) In practice, there's unlikely to be a large difference in performance from your previous outcome. You've also made rebalancing more complicated. Thus, do not do this if: - it leads to more taxable events - besid...
by zuma
Sun Apr 22, 2018 6:56 am
Forum: Investing - Help with Personal Investments
Topic: EXPAT: Strategy when invested in USA and spending in EUROS
Replies: 64
Views: 3920

Re: EXPAT: Strategy when invested in USA and spending in EUROS

I am also struggling with this. I'm a semi-retired US citizen living in the EU (perhaps permanently but not sure yet) with a typical 60/40 portfolio held with a US broker. My living expenses are in Euros but I'm taking periodic withdrawals from a portfolio of USD. Besides increasing my ex-US equity...
by zuma
Sat Apr 21, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Bonds beat stocks ?
Replies: 10
Views: 969

Re: Bonds beat stocks ?

Well, stocks are volatile. Some years are really bad for stocks. Look at 2002 and 2008.
by zuma
Fri Apr 20, 2018 4:23 am
Forum: Investing - Help with Personal Investments
Topic: EXPAT: Strategy when invested in USA and spending in EUROS
Replies: 64
Views: 3920

Re: EXPAT: Strategy when invested in USA and spending in EUROS

I am also struggling with this. I'm a semi-retired US citizen living in the EU (perhaps permanently but not sure yet) with a typical 60/40 portfolio held with a US broker. My living expenses are in Euros but I'm taking periodic withdrawals from a portfolio of USD. Besides increasing my ex-US equity ...
by zuma
Tue Apr 17, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 8806

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

Instead, I'm asking if you personally would feel secure in taking $75K a year, for at least 50 years, from a portfolio whose initial balance is $3.0M and whose composition is as set forth above. Yes, I would consider this a reasonable plan that may need to be adjusted sometime in the next 50 years....
by zuma
Fri Apr 06, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 59
Views: 4628

Re: Tequila and Magaritas

1. The most known favorites have some deep sales this week -- Jose Cuervo and Sauza Blue the cheapest, Hornitos a couple bucks more, and 1800 a few more dollars than that. Blanco, Silver, and Reposado are identical in price within the brand. The kicker is these sales -- $8-10 off -- are only for th...
by zuma
Fri Apr 06, 2018 5:17 am
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 59
Views: 4628

Re: Tequila and Magaritas

I collect tequila and have visited many tequila distilleries in Mexico. I also love a good margarita. My suggestions: 1) Buy only 100% agave tequila. This is the most important thing. If it doesn't say 100% agave on the bottle, don't buy it. 2) There are four common types to look for: blanco/silver ...
by zuma
Sat Mar 24, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: How to Learn to Build a Web App
Replies: 19
Views: 1689

Re: How to Learn to Build a Web App

Seems like a fairly large project for one person to complete in a year starting with zero knowledge. You'll need to learn several different languages required for coding and client/server data exchange, database administration, server administration, encryption, etc. Agreed. Doing this in a year do...
by zuma
Fri Mar 23, 2018 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Just Starting - Inevitable Bear Market?
Replies: 13
Views: 2014

Re: Just Starting - Inevitable Bear Market?

2) Buy ETFs (I'm thinking around 70/30 BND to VTI) and let the bear market come. Once it's here, sell the ETFs and get into the Target Fund when, theoretically, stocks are low and I'm buying low and then holding. Low compared to what? In your hypothetical scenario where "stocks are low" and you're ...
by zuma
Fri Mar 16, 2018 2:03 am
Forum: Investing - Help with Personal Investments
Topic: The Case For Dividend ETF/Fund
Replies: 3
Views: 588

Re: The Case For Dividend ETF/Fund

I know a lot of people who are pretty good at investing are against investing in dividend-oriented funds. The arguments are for total returns instead of depending on the dividend streams. I think a lot of people here are against false assumptions about the intrinsic merits of dividends. They are no...
by zuma
Tue Feb 20, 2018 2:07 am
Forum: Investing - Help with Personal Investments
Topic: VAIPX/TIPS: To sell or not to sell
Replies: 14
Views: 1089

Re: VAIPX/TIPS: To sell or not to sell

When you buy a TIPS fund, you're essentially buying a form of insurance to protect against unexpected inflation. If inflation jumps unexpectedly, TIPS will compensate you (to the extent that TIPS are represented within your whole portfolio). If inflation stays within the expected range, a fund like ...
by zuma
Tue Feb 13, 2018 3:55 am
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 12062

Re: Did you learn anything from the market correction?

No.

It's mostly noise.

For most buy-and-hold Bogleheads, nothing happened.
by zuma
Thu Jan 25, 2018 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking About Timing the Market
Replies: 75
Views: 6019

Re: Thinking About Timing the Market

Sounds like a losing strategy to me. No one knows when the correction will come. I'd rather choose an appropriate AA, ignore the noise, and rebalance when necessary. If you simply said "I'm going to update my IPS and change my asset allocation" AND didn't use the words Market Timing, Bull, Crash, e...
by zuma
Thu Jan 25, 2018 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking About Timing the Market
Replies: 75
Views: 6019

Re: Thinking About Timing the Market

And if/when the bear market arrives, there's no guarantee that it will go below today's level.
by zuma
Thu Jan 25, 2018 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking About Timing the Market
Replies: 75
Views: 6019

Re: Thinking About Timing the Market

Sounds like a losing strategy to me. No one knows when the correction will come. I'd rather choose an appropriate AA, ignore the noise, and rebalance when necessary.
by zuma
Thu Jan 25, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Could meditation help deal with market distress?
Replies: 32
Views: 1903

Re: Could meditation help deal with market distress?

Sure, meditation can help cultivate an understanding that most things in the world are not in your control. Learning to accept and internalize this can alleviate stress.
by zuma
Thu Jan 25, 2018 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Bond Asset Allocation [ie allocation of TYPES of bonds]
Replies: 8
Views: 529

Re: Bond Asset Allocation

Don't overthink it. Keep it simple. Only 10% of your portfolio is in bonds, so frankly you don't need anything more than a good intermediate or total bond fund in my opinion. Trying to optimize that small slice (with TIPS or whatever) won't have any meaningful effect.
by zuma
Mon Jan 22, 2018 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Adding new funds and AA
Replies: 2
Views: 190

Re: Adding new funds and AA

I would use new funds to move toward my target AA. Ideally this would eliminate the need for annual or quarterly rebalancing.
by zuma
Mon Jan 22, 2018 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Advice on constructing a hands-off portfolio with intermediate-term uncertainty
Replies: 6
Views: 548

Re: Advice on constructing a hands-off portfolio with intermediate-term uncertainty

I'm curious, how did you arrive at those growth numbers? I'd like to better understand the risk/growth tradeoffs between a 60/40 and 70/30 for a portfolio of my size, but not sure how people generally do that analysis or if there are any tools that would make it easier (and my wiki searches haven't...
by zuma
Mon Jan 22, 2018 5:27 am
Forum: Investing - Help with Personal Investments
Topic: Ready to give up on bond fund, Lost 2.25% past 6 months
Replies: 85
Views: 11278

Re: Ready to give up on bond fund, Lost 2.25% past 6 months

As noted already by in_reality, the NAV has dropped but you're now earning a higher yield.

https://vanguardblog.com/2016/11/25/bon ... ing-rates/

If your investment horizon is longer than the duration of your bond holdings, no need to worry. Stay the course.
by zuma
Fri Jan 19, 2018 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Help with Planning and portfolio
Replies: 6
Views: 441

Re: Help with Planning and portfolio

Rental property is not just an investment, it is a job which can be very time-consuming. Unless you have the skills and inclination to do property management, tenant screening, and property upkeep I suggest not investing in rental property. I own a rental property and pay a property management comp...
by zuma
Sun Jan 14, 2018 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Diversify More than VTI? International Exposure?
Replies: 6
Views: 749

Re: Should I Diversify More than VTI? International Exposure?

There is no consensus on this. 20–50% international (of your total stock allocation) is typical among Bogleheads, but many are comfortable with no international exposure at all. I would suggest reading one of the MANY threads on the topic -- it's one of the most debated issues here. :happy https://w...
by zuma
Sun Jan 14, 2018 4:30 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 176
Views: 20014

Re: What's your asset allocation and why?

41, semi-retired, working part-time.

60/40 because it's enough risk for my needs and I sleep well.

45% TSM
15% TISM
20% TBM
20% TIPS
by zuma
Sat Jan 13, 2018 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Advice on investment strategy - first time poster
Replies: 5
Views: 393

Re: Advice on investment strategy - first time poster

Are you comfortable with your 50/50 AA? If yes, then why not simply invest the $500k accordingly? Your 4-fund approach is perfectly reasonable and you already know that timing the market is a bad idea. You could DCA the money if you're particularly worried about short-term losses, but most here woul...
by zuma
Sat Nov 25, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: The fallacy of spending money on "experiences" vs hard assets
Replies: 336
Views: 20287

Re: The fallacy of spending money on "experiences" vs hard assets

IMO the fallacy is creating a false dichotomy between experiences and things. For example, a luxury car seems like both a hard asset as well as something to experience. (And I'm someone who generally prefers spending money on so-called "experiences" like travel.)
by zuma
Sat Jul 15, 2017 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest 300K
Replies: 33
Views: 3718

Re: How to invest 300K

You can read my second post. By doing so you will leave on the table 1-year worth of expected return. At the same time you will reduce your future volatility (and possibly be liable for a tax bill and transaction costs). In short, why not, if you think it would be better for you ? Alternatively, yo...
by zuma
Sat Jul 15, 2017 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest 300K
Replies: 33
Views: 3718

Re: How to invest 300K

Dollar cost averaging is statistically superior. But if you are going to regret it if the market crashed the next day, it could psychologically could harm you from investing how you want to for the rest of your life and hurt you more in the end. Choose the safest AA where you won't regret a crash w...
by zuma
Sat Jul 15, 2017 1:47 am
Forum: Investing - Help with Personal Investments
Topic: Income from investments, have 200k to use.
Replies: 8
Views: 1464

Re: Income from investments, have 200k to use.

I would invest accordingly to my investing policy statement , which takes into account my long-term as well as short-term investing goals. Then I would periodically withdraw money (by selling shares, taking dividends as cash, or both) at a sustainable rate in order to meet my income needs. If you do...
by zuma
Sat Jul 15, 2017 12:29 am
Forum: Investing - Help with Personal Investments
Topic: How to invest 300K
Replies: 33
Views: 3718

Re: How to invest 300K

Dollar cost averaging is statistically superior. But if you are going to regret it if the market crashed the next day, it could psychologically could harm you from investing how you want to for the rest of your life and hurt you more in the end. Choose the safest AA where you won't regret a crash w...
by zuma
Fri Jul 14, 2017 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest 300K
Replies: 33
Views: 3718

Re: How to invest 300K

I would suggest to the OP to first come up with appropriate asset allocation. Take your time doing this and consider adding bonds to the mix. This AA should match your long-term investing goals as well as your need/ability/willingness to take risk. After you figure out your target AA, ask yourself:...
by zuma
Fri Jul 14, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest 300K
Replies: 33
Views: 3718

Re: How to invest 300K

I would suggest to the OP to first come up with appropriate asset allocation. Take your time doing this and consider adding bonds to the mix. This AA should match your long-term investing goals as well as your need/ability/willingness to take risk. After you figure out your target AA, ask yourself: ...
by zuma
Fri Jul 14, 2017 11:38 am
Forum: Investing - Help with Personal Investments
Topic: How to invest 300K
Replies: 33
Views: 3718

Re: How to invest 300K

Assuming you have an asset allocation that is appropriate for your investment goals and risk tolerance, I would put it all in now. Vanguard has a paper on this topic, btw. Their conclusion: Clearly, if markets are trending upward, it’s logical to implement a strategic asset allocation as soon as pos...
by zuma
Thu Jul 13, 2017 2:42 am
Forum: Investing - Help with Personal Investments
Topic: What is a portfolio?
Replies: 8
Views: 872

Re: What is a portfolio?

My portfolio is a collection of funds that I hold at Vanguard. These investments are divided in a way that matches my target asset allocation . For example, I don't consider real estate, bitcoin, or emergency cash as part of my portfolio. I think most Bogleheads would answer A or D. This is not a wo...
by zuma
Wed Jul 12, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put 65k cash
Replies: 64
Views: 6194

Re: Where to put 65k cash

amateurnovice wrote: Is OP looking to minimize risk? Or maximize gain?
In either case OP can eliminate diversifiable risk by holding a broad TSM fund without reducing expected return, as already noted several times. This is not a controversial view.
by zuma
Wed Jul 12, 2017 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put 65k cash
Replies: 64
Views: 6194

Re: Where to put 65k cash

amateurnovice, I suggest you read up on the topic of unsystematic risk . https://www.bogleheads.org/wiki/Risk_and_return:_an_introduction#Diversification Diversification Risk can be reduced through diversification. The risk of investing in a single risky security, such as a stock or corporate bond, ...
by zuma
Wed Jul 12, 2017 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put 65k cash
Replies: 64
Views: 6194

Re: Where to put 65k cash

First off, I'm not going sway anyone's thinking here so I'm not going to open myself up for ad hominems. I'll give my brief assessment which is easily eviscerated by boglehead "stay the course" logic because, honestly, there isn't much to that argument and every deviation from it is flat out wrong,...
by zuma
Wed Jul 12, 2017 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put 65k cash
Replies: 64
Views: 6194

Re: Where to put 65k cash

What if you were to accomplish that diversification by buying a fund like Total Stock Market? Sounds like a solid plan to me. Sounds like putting all the eggs in one basket, which isn't a great idea if you've ever bought any eggs. Could you elaborate? How would you describe the risks of the TSM bas...
by zuma
Wed Jul 12, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Buying Admiral shares vs VTI
Replies: 7
Views: 1029

Re: Buying Admiral shares vs VTI

VTI and VTSAX are equivalent investments in different containers. So it's a matter of preference, convenience, and fees. If VTI is the cheapest and most convenient option, and you don't mind the trading mechanics of ETFs (when compared to mutual funds), then there's no need to switch.
by zuma
Wed Jul 12, 2017 2:27 am
Forum: Investing - Help with Personal Investments
Topic: Where to put 65k cash
Replies: 64
Views: 6194

Re: Where to put 65k cash

Plenty of good individual stocks to put that in and reinvest the dividends without worrying about which fund or why. Funds are so high right now, you'd be getting in and possibly staying at a plateau for a while. I'd look at some individual companies that are competing against others and have grown...
by zuma
Wed Jul 12, 2017 2:19 am
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 19911

Re: Dividend Misunderstandings & Only Spend Return

snarlyjack wrote:Here is another interesting article/video from
Professor Jeremy Siegel. About 1 year old.

"Were in the first inning of dividend stock investing".
I have no idea what that means.