Search found 283 matches

by minimalistmarc
Tue Nov 06, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 14555

Re: How much money are you leaving your kids after you die?

What my perfect situation is to set up some charity to give away money each year and they can have a set salary to administer that charity. That way they make some extra money by WORKING and hopefully lets them see the benefits of helping those less fortunate. Good luck. No offence but that sounds ...
by minimalistmarc
Sat Nov 03, 2018 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: UK Investor - One Fund Portfolio
Replies: 9
Views: 508

Re: UK Investor - One Fund Portfolio

I have a 1 fund portfolio using vanguard all world ETF VWRL in my ISAs, SIPPs, and standard accounts.

Actually my SIPP is in Lifestrategy but am thinking about switching to VWRL due to lower account fees and ignorance as to the home bias when I purchased it.
by minimalistmarc
Sat Nov 03, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Close to the Bull Trap phase of the market cycle
Replies: 32
Views: 2775

Re: Close to the Bull Trap phase of the market cycle

DEFINITION of 'Bull Trap'. A bull trap is a false signal indicating that a declining trend in a stock or index has reversed and is heading upwards when, in fact, the security will continue to decline. Bull Trap - investopedia.com www.investopedia.com/terms/b/bulltrap.asp. New term for me also. Brok...
by minimalistmarc
Sat Nov 03, 2018 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Investment Properties during retirement
Replies: 6
Views: 731

Re: Investment Properties during retirement

FYI - with my Roth I would just be taking out my initial investment of each year so there would be no penalty. I live in the midwest and there are plenty of rental properties ranging from $50,000-$90,000 that can easily bring in $1200-$1500 a month. Taxes are around $2000 a year. Best investment ev...
by minimalistmarc
Sat Nov 03, 2018 5:16 am
Forum: Investing - Theory, News & General
Topic: Brett Arends: Here's a simple way to beat a bear market
Replies: 38
Views: 5207

Re: Brett Arends: Here's a simple way to beat a bear market

Just for fun, here's a less crazy strategy. If you're fairly confident the market is on the way down, you could write covered calls on your index funds. It wouldn't protect you from losses, but it would cushion them a bit. And since realized volatility tends to exceed option implied volatility on a...
by minimalistmarc
Sat Nov 03, 2018 5:13 am
Forum: Investing - Theory, News & General
Topic: Brett Arends: Here's a simple way to beat a bear market
Replies: 38
Views: 5207

Re: Brett Arends: Here's a simple way to beat a bear market

Agree completely IF one knows when the market will go south and stay south AND when it starts coming back up. His plan does not work if the market keeps going down when you are DCA. Good luck. Actually it works well if market is going down while you are DCA No it doesn't. It only works if the marke...
by minimalistmarc
Sat Nov 03, 2018 3:39 am
Forum: Investing - Theory, News & General
Topic: no dividends in index funds!
Replies: 95
Views: 9276

Re: no dividends in index funds!

I wanted the quarterly dividends like I used to get with the blue chip stocks. It would just be additional income, often just at the right times. It was great to get a quarterly $800.00 dividend check. With the Index Funds I am lucky to get $300.00 quarterly for dividends.... As it happens, $800.00...
by minimalistmarc
Sat Nov 03, 2018 3:36 am
Forum: Investing - Theory, News & General
Topic: no dividends in index funds!
Replies: 95
Views: 9276

Re: no dividends in index funds!

Petition to have dividends officially reframed as: An annoying guy randomly sells off portions of your investments a few times a year, giving you extra taxes and lowering your return. And even though you hate this annoying guy, everybody else around you seems to love him even though it is obvious t...
by minimalistmarc
Fri Nov 02, 2018 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: UK Investor - Rebalancing to Reduce Home Bias
Replies: 11
Views: 665

Re: UK Investor - Rebalancing to Reduce Home Bias

FTSE 100 is a high yielding index so if you look at total return it has done okay over the last 20 years. As a fellow U.K. investor who is 100% equities I invest solely in vanguard all world ETF VWRL. I am a seasoned investor and made a lot of mistakes and learned a lot of lessons before settling on...
by minimalistmarc
Fri Nov 02, 2018 1:04 pm
Forum: Investing - Theory, News & General
Topic: Brett Arends: Here's a simple way to beat a bear market
Replies: 38
Views: 5207

Re: Brett Arends: Here's a simple way to beat a bear market

staythecourse wrote:
Thu Nov 01, 2018 7:29 pm
Agree completely IF one knows when the market will go south and stay south AND when it starts coming back up. His plan does not work if the market keeps going down when you are DCA.

Good luck.
Actually it works well if market is going down while you are DCA
by minimalistmarc
Wed Oct 31, 2018 5:00 pm
Forum: Investing - Theory, News & General
Topic: Why I'm 100% stocks
Replies: 149
Views: 17210

Re: Why I'm 100% stocks

4. There are portfolios that can get you 80% of the expected return of 100% stocks for less than 50% of the expected risk (measured by standard deviation). Rephrasing the math, why take double the risk for an extra 25% return? That's illogical, in my opinion. For some example portfolios of this com...
by minimalistmarc
Wed Oct 31, 2018 4:57 pm
Forum: Investing - Theory, News & General
Topic: Why I'm 100% stocks
Replies: 149
Views: 17210

Re: Why I'm 100% stocks

Why stop at 100%? You can get 10x the exposure by just buying Dec 2020 at the money SPY calls. May as well go heavy. I’m 100% equities but “rebalance” regularly with new cash from my job. I usually wait till I have 20k to put lumps in. I am in a gov defined benefit pension scheme though. If I wasn’...
by minimalistmarc
Wed Oct 31, 2018 4:56 pm
Forum: Investing - Theory, News & General
Topic: Why I'm 100% stocks
Replies: 149
Views: 17210

Re: Why I'm 100% stocks

Why stop at 100%? You can get 10x the exposure by just buying Dec 2020 at the money SPY calls. May as well go heavy. I’m 100% equities but “rebalance” regularly with new cash from my job. I usually wait till I have 20k to put lumps in. I am in a gov defined benefit pension scheme though. If I wasn’...
by minimalistmarc
Wed Oct 31, 2018 4:42 pm
Forum: Investing - Theory, News & General
Topic: Why I'm 100% stocks
Replies: 149
Views: 17210

Re: Why I'm 100% stocks

Minderbinder wrote:
Wed Oct 31, 2018 4:37 pm
Why stop at 100%?

You can get 10x the exposure by just buying Dec 2020 at the money SPY calls.

May as well go heavy.

What happens if the market drops 50%?

The above seems more like a short term punt.
by minimalistmarc
Wed Oct 31, 2018 12:50 am
Forum: Investing - Theory, News & General
Topic: Why I'm NOT 100% stocks
Replies: 36
Views: 5122

Re: Why I'm NOT 100% stocks

Do you really believe the market is capable of a 90% drop given today's margin requirements, broader ownership of stocks and other factors? You don't think a market mostly fueled by debt, credit, and trillions of dollars (of imaginary money) pumped into the economy can drop by 90%? No, I wouldn’t i...
by minimalistmarc
Thu Oct 25, 2018 3:17 am
Forum: Personal Finance (Not Investing)
Topic: Buying an apartment in China
Replies: 14
Views: 1620

Re: Buying an apartment in China

Do you trust the Chinese government?
by minimalistmarc
Tue Oct 23, 2018 11:33 pm
Forum: Investing - Theory, News & General
Topic: 'Smart money' bailing on the market, time to get out?
Replies: 92
Views: 12244

Re: 'Smart money' bailing on the market, time to get out?

rgs92 wrote:
Tue Oct 23, 2018 6:28 pm
Lately, there has been a remarkable absence of threads asking Why Not 100% Stocks?
But the last few weeks provide a definitive answer to this frequent question.
Nope, I’m 100% stocks and accumulating so it can carry on dropping. The last few weeks hasnt even been a correction.
by minimalistmarc
Sun Oct 21, 2018 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Investing a $1.5m windfall [Great Britain]
Replies: 17
Views: 2194

Re: Investing a $1.5m windfall [Great Britain]

Why are you talking about $ rather than £?

Are you American?

Regarding ISAs, do they lose their tax exempt status if you cease to be a U.K. citizen?

You are doing awesome by the way!
by minimalistmarc
Sat Oct 13, 2018 5:56 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7837
Views: 1608570

Re: U.S. stocks in freefall

The forum sure gets interesting when the market heads into choppy waters. Would be interesting to chart the level of forum activity against market volatility. I doubt you would see a blip. Most here have been there/done that. Do you really thing that -5% = "choppy waters?" I would call "choppy wate...
by minimalistmarc
Fri Oct 12, 2018 8:46 am
Forum: Investing - Theory, News & General
Topic: Does it make sense to consider that stocks are 'on sale' when there's a correction?
Replies: 84
Views: 4432

Re: Does it make sense to consider that stocks are 'on sale' when there's a correction?

For the next 20 years I will only be a buyer if the all world and will be 100% equities so I do see a price drop as a sale.

I hate it when mini drops like this one quickly rebound.
by minimalistmarc
Sun Oct 07, 2018 2:38 am
Forum: Investing - Theory, News & General
Topic: “It’s probably wise to sell to the sleeping point.” - Jack Bogle
Replies: 83
Views: 11737

Re: “It’s probably wise to sell to the sleeping point.” - Jack Bogle

Namashkar wrote:
Sat Oct 06, 2018 9:58 pm
Ask yourself the following questions.

1. What are the odds for the equity market (TSM) to gain 20% from this year’s S&P 500 high vs 20% loss within a couple of years considering the current valuation?
I don’t know. Can you tell me the answer please?
by minimalistmarc
Sat Oct 06, 2018 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Income (US vs Europe)
Replies: 55
Views: 3776

Re: Income (US vs Europe)

My impression is that work life balance is poor in America compared to Europe. Long hours and very limited annual leave seems to be the norm. In Europe 6 weeks paid annual leave and 10 public holidays a year is the norm. I’m US 3 weeks is generous from people I’ve talked to. The thing I like most ab...
by minimalistmarc
Tue Oct 02, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 5682

Re: Root of Good's cost of raising a child: $3,300 per year

Wow, this thread has highlighted a whole dark side of bogleheads I didn’t know existed. Get a grip people. Root of good is a very decent human being, and his family have an amazing life, it is obvious if you take the time to read his blog. All the criticisms on this thread are pathetic and sound ver...
by minimalistmarc
Tue Oct 02, 2018 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice - new UK investor
Replies: 18
Views: 648

Re: Portfolio advice - new UK investor

I think jersey is pounds sterling, stand to be corrected!
by minimalistmarc
Tue Oct 02, 2018 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice - new UK investor
Replies: 18
Views: 648

Re: Portfolio advice - new UK investor

Let me save you some time; you will not find a IFA who will offer anything near cost of VWRL:VGOV

In my opinion you have chosen the best 2 ETFSs and don’t need an IFA
by minimalistmarc
Mon Oct 01, 2018 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice - new UK investor
Replies: 18
Views: 648

Re: Portfolio advice - new UK investor

In the U.K. , if you hold an accumulating fund/etf in a taxable account you still need to pay tax on the dividends. I’m sure it will be similar in CI. For this reason, I never hold accumulating investments in taxable accounts because it makes tax reporting more complicated. It seems to be a common m...
by minimalistmarc
Wed Sep 26, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: What flax seed do you buy (that is cadmium free)
Replies: 10
Views: 1036

Re: What flax seed do you buy (that is cadmium free)

I buy ground flax from Aldi or Costco. Once open I store it in a cupboard. It does go rancid. Even the giant Costco bag that takes months to go through stays fine.
by minimalistmarc
Fri Sep 07, 2018 2:05 am
Forum: Investing - Help with Personal Investments
Topic: 28/F... $325k total comp for 2019. Minimize taxes?
Replies: 8
Views: 2291

Re: 28/F... $325k total comp for 2019. Minimize taxes?

Incredible salary for 28y/o.

You are doing great, don’t obsess about taxes beyond the usual stuff.
by minimalistmarc
Tue Sep 04, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: How To Invest Windfall When At Market Top
Replies: 26
Views: 4317

Re: How To Invest Windfall When At Market Top

Worst case, the market continues to climb during the whole process, and your friend misses out on some of the gains, but still feels okay that he didn’t avoid the market altogether. In the long run, it won’t matter too much. No, worst case the market climbs over the whole process then tanks once fu...
by minimalistmarc
Tue Aug 28, 2018 4:59 am
Forum: Personal Consumer Issues
Topic: Recommend a good SOCK. Yes, I said SOCK!
Replies: 48
Views: 4063

Re: Recommend a good SOCK. Yes, I said SOCK!

Thorlo comfort crew are my favourite but they are expensive
by minimalistmarc
Mon Aug 27, 2018 3:50 pm
Forum: Investing - Theory, News & General
Topic: Any metrics that say US Stocks are *NOT* expensive?
Replies: 70
Views: 4820

Re: Any metrics that say US Stocks are *NOT* expensive?

I keep reading about how expensive US Equites are by every measure. The most alarming ones are the historical-basis ones, like CAPE, "equity risk premium", price/cash flow over time, etc. But are there any metrics under which US Equities are *not* expensive? I am not trying to be sarcastic. Just cu...
by minimalistmarc
Sat Aug 18, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Real estate dropping like a rock in U.K. - can the U.S. be far behind?
Replies: 68
Views: 12399

Re: Real estate dropping like a rock in U.K. - can the U.S. be far behind?

In london prime and the south of england there are some drops but most of that is just the froth of th e recent bubble but overall prices are still going up and seem likely to continue to do so.ly

I definitely haven't seen anything reasonably priced in the areas I look in.
by minimalistmarc
Fri Aug 17, 2018 6:48 am
Forum: Investing - Theory, News & General
Topic: Uk investor: saving on inheritance tax by investing in AIM shares: good or bad idea?
Replies: 15
Views: 491

Re: Uk investor: saving on inheritance tax by investing in AIM shares: good or bad idea?

I would rather give my kids the money now so they can invest in a global index etf. Yes, I have already to some extent. Two problems with that though: there's tax on gifts too; and more specifically to our situation, my wife does not agree on giving them more at least for now. There’s not really an...
by minimalistmarc
Fri Aug 17, 2018 5:37 am
Forum: Investing - Theory, News & General
Topic: Uk investor: saving on inheritance tax by investing in AIM shares: good or bad idea?
Replies: 15
Views: 491

Re: Uk investor: saving on inheritance tax by investing in AIM shares: good or bad idea?

I would rather give my kids the money now so they can invest in a global index etf.

You can always ask for some back if you needed it, but if you’re considering IHT I guess you don’t
by minimalistmarc
Thu Aug 16, 2018 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Enough. How do I invest in Australia. [as a US investor]
Replies: 63
Views: 5731

Re: Enough. How do I invest in Australia.

Buy an Australian index tracker fund or ETF
by minimalistmarc
Tue Aug 07, 2018 3:30 am
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 14190

Re: "Age in Bonds" fails almost everyone

I think threads like this have their greatest value in illustrating exactly how far into this bull cycle we really are. The point in having bonds is not because they improve returns, rather, the reduced volatility they provide prevent people from making very expensive behavioral mistakes when thing...
by minimalistmarc
Fri Aug 03, 2018 2:08 am
Forum: Investing - Theory, News & General
Topic: Good biotech funds
Replies: 22
Views: 1802

Re: Good biotech funds

I'd like to invest in biotech companies. Can anyone suggest a good fund that isnt to deep into experimental/risky companies? Im thinking something more long term and steady. I don't know who is who in pharma world but I do know genetics are the big focus these days They’re in the broad index so you...
by minimalistmarc
Sat Jul 28, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio: Is it 1937 all over again?
Replies: 45
Views: 6456

Re: Ray Dalio: Is it 1937 all over again?

Always good to remind ourselves of possibilities in the stock market and set allocations accordingly, especially after the big runup in recent years. Not many investors are prepared for a repeat of this: http://awealthofcommonsense.com/wp-content/uploads/2017/10/Screen-Shot-2017-10-30-at-3.31.41-PM...
by minimalistmarc
Thu Jul 26, 2018 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: First Time UK Investor
Replies: 25
Views: 1448

Re: First Time UK Investor

As a fellow Brit (although residing in EU27) I would seriously question holding 15% UK given what is just around the corner. Who knows? Should be priced in anyway. My recommendation is to stick to market weighting and buy VWRL VG All world ETF. It doesn’t overweight the U.K. but I believe VG Lifest...
by minimalistmarc
Tue Jul 24, 2018 1:13 am
Forum: Personal Consumer Issues
Topic: I want to sell my home, but I don't want to fix it up
Replies: 72
Views: 8796

Re: I want to sell my home, but I don't want to fix it up

I wouldn't want to have a contractor "complete everything", knowing I wouldn't be checking in at all. Maybe I'm the only one naive enough, but I would trust and expect a person who I hired to do a particular job on my house to actually do the job, whether or not I was there. I mean, I guess I've on...
by minimalistmarc
Sun Jul 22, 2018 1:30 pm
Forum: Investing - Theory, News & General
Topic: Does "Time in the Market" Heal All Portfolio Wounds?
Replies: 57
Views: 5981

Re: Does "Time in the Market" Heal All Portfolio Wounds?

Nope. Even if your vacancy drops from 98% to 94% on a recession, you are still cash flowing. Do you think your tenants just disappear and go live on the street? They crawl into a hole an die? What often happens is, people stop buying the SUVs, lattes, and doggy day care but they prioritize one of t...
by minimalistmarc
Sat Jul 21, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: I dont know how to spend money
Replies: 39
Views: 5316

Re: I dont know how to spend money

Most of the things I like the most are free, like walking, cycling, reading, watching TV.

I bought a new belt for £2.50 today.

Family does cost money, but not that much so far
by minimalistmarc
Sat Jul 21, 2018 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Why not go 100% stocks?
Replies: 127
Views: 15300

Re: Why not go 100% stocks?

I love 100% stocks but have a good DB pension plan so feel happy dialling up risk to the maximum unleveraged.
by minimalistmarc
Sat Jul 21, 2018 4:06 am
Forum: Investing - Theory, News & General
Topic: Does "Time in the Market" Heal All Portfolio Wounds?
Replies: 57
Views: 5981

Re: Does "Time in the Market" Heal All Portfolio Wounds?

That is why I recommend to invest in real assets that produce cash flow. Such as? Income-producing real estate (residential/commerical/self storage/agricultural/etc.). Fluctuations in value of the property/portfolio is a moot point and pretty irrelevant when you are generating a 10-15% cash flow. I...
by minimalistmarc
Fri Jul 20, 2018 5:42 am
Forum: Investing - Theory, News & General
Topic: Does "Time in the Market" Heal All Portfolio Wounds?
Replies: 57
Views: 5981

Re: Does "Time in the Market" Heal All Portfolio Wounds?

Depends if you are accumulating or deaccumulating
by minimalistmarc
Fri Jul 20, 2018 4:31 am
Forum: Investing - Theory, News & General
Topic: GMO 7 year forecasts are worse than a toss of a coin
Replies: 47
Views: 4770

Re: GMO 7 year forecasts are worse than a toss of a coin

I don't understand. How are seven-year forecasts to be evaluated? By how close one of them got? Does GMO say that their forecasts will never turn out to be way off? They surely are not that naïve. I seem to remember that Professor Tower of Duke University did an analysis of GMO forecasts over a per...
by minimalistmarc
Mon Jul 16, 2018 4:22 am
Forum: Personal Consumer Issues
Topic: How much furniture spending is ok?
Replies: 46
Views: 3246

Re: How much furniture spending is ok?

Wow, ya'll spend a lot on furniture! I live in a 4-bedroom, 1800 sq ft home, and own about $200 worth of furniture. Got some Ikea tables (free to me) zip tied together at the legs to make a big desk. Mattress on the floor in one bedroom (the other three bedrooms are empty). An inexpensive desk chai...
by minimalistmarc
Mon Jul 16, 2018 1:46 am
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 100
Views: 15792

Re: Six stocks make up 98% of S&P 500 gains in 2018

With Netflix and Amazon, I believe the idea is that they are positioned to dominate a huge industry. Bulls believe that Amazon will have a large market share of the retail industry and computer storage industries, and Netflix will dominate the TV and movie industry. If you consider the size of thes...