Search found 423 matches

by snarlyjack
Wed Oct 18, 2017 4:15 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13385

Re: Dividends vs. Capital Gains for Spending Needs?

Paul, Thank you for that... I' am learning & tweaking my portfolio. Currently, it is 100,000 VHDYX (just let it ride, reinvest all dividends). 150,000 VTSAX (reinvesting all dividends & dca into monthly). Your charts are very accurate to my situation (Thanks). I' am trying to get the portfolio extre...
by snarlyjack
Tue Oct 17, 2017 10:18 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13385

Re: Dividends vs. Capital Gains for Spending Needs?

Maybe I' am the "Lone Ranger" but I doubt it... When I started thinking about investing, I knew that I didn't want to pay any commissions. That narrowed my search down to T. Rowe Price, Fidelity & Vanguard. Then I started researching each company. (Before I landed on Bogleheads). After I picked Vang...
by snarlyjack
Tue Oct 17, 2017 7:15 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13385

Re: Dividends vs. Capital Gains for Spending Needs?

Triceratop, In my statement I was responding to the conversation that PKCrafter & Dbr were having concerning "qualities & preferences" in the dividend puzzle. I was trying to say that I understand why investors are confused about dividends. I consider myself very logical. Before I started investing,...
by snarlyjack
Tue Oct 17, 2017 6:48 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13385

Re: Dividends vs. Capital Gains for Spending Needs?

I don't consider myself ignorant "willful ignorance, is still a form of ignorance". (?) If you read what I wrote; "Investors are confused". To prove my point in addition to the numerous white papers floating around in these forums, I went online & copied another study on the dividend strategy. My po...
by snarlyjack
Tue Oct 17, 2017 12:51 pm
Forum: Investing - Theory, News & General
Topic: Vanguard expects "decent sized correction" soon, sometime, maybe later
Replies: 67
Views: 6088

Re: Vanguard expects "decent sized correction" soon

My favorite uncle (JLCollins) would say...

"Toughen up cupcake & cure your bad behavior"

Here is a great article from JLCollins...enjoy.

http://jlcollinsnh.com/2012/04/15/stock ... -save-you/
by snarlyjack
Tue Oct 17, 2017 12:41 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13385

Re: Dividends vs. Capital Gains for Spending Needs?

I" am not arguing one way or the other. However, For every white paper that you show me showing dividends are bad, I can show you a white paper showing dividends are good. Investors are confused... If you take taxes out of the mix they are very close to one another (think Jeremy Siegel). Dividend co...
by snarlyjack
Sat Oct 14, 2017 11:13 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle, The Only Way To Beat The Stock Market
Replies: 5
Views: 2354

Jack Bogle, The Only Way To Beat The Stock Market

Jack Bogle, The Only Way To Beat The Stock Market.
Published September 2017. Video, about 30 minutes.

Pretty good...enjoy.

https://www.youtube.com/watch?v=EC8rWTGZhak
by snarlyjack
Fri Oct 13, 2017 7:52 pm
Forum: Investing - Theory, News & General
Topic: Offensive Valuations
Replies: 45
Views: 4065

Re: Offensive Valuations

Here is Warren Buffett big prediction of
1 Million on the Dow in the next 100 years,
by 2117. So I guess the markets going up...

https://www.usatoday.com/story/money/20 ... 707440001/
by snarlyjack
Fri Oct 13, 2017 3:55 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 160
Views: 13648

Re: What's your asset allocation and why?

As of today (I just tweaked my portfolio) I' am 100% in the stock market. But, I' am 23 years old (77 years to go). Long term buy & hold. Very efficient, low ER. I don't need the money in the short term... Buy & hold through anything & dca each payday. Actually, I would like to see the market come d...
by snarlyjack
Fri Oct 13, 2017 6:31 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13385

Re: Dividends vs. Capital Gains for Spending Needs?

1st of all I want to thank everyone for all your help. After sleeping on this for a few days & thinking to myself what can I do to maximize the portfolio. In my mind were building a rocket ship. A super efficient, streamlined, shoot to the moon rocket ship. Were building a 2 stage or 3 stage rocket ...
by snarlyjack
Tue Oct 10, 2017 9:43 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13385

Re: Dividends vs. Capital Gains for Spending Needs?

Good Morning everyone, (additional information). I just graduated from the U of M last year (at 22 years old) with a B.S. Degree in Finance. I just got my first job out of college (about 1 1/2 years ago). I make about $15.00 per hour, $31,200. I' am single with no debt & save about 50% of my income....
by snarlyjack
Mon Oct 09, 2017 11:44 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13385

Re: Dividends vs. Capital Gains for Spending Needs?

Triceratop, First of all I want to thank you for your advice & being patient with me, I appreciate it. I understand exactly what you are saying. When I posted articles about the Janitor Next Door (Ronald Read) (The Millionaire Next Door). Ronald Read had accumulated $6 Million in stocks & $2 Million...
by snarlyjack
Mon Oct 09, 2017 10:58 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13385

Re: Dividends vs. Capital Gains for Spending Needs?

TropikThunder, Hello, nice meeting you. (Now were getting into the math of the strategy). Their is a difference between the accumulation stage & DE accumulation stage. I agree they are totality different. The problem as I see it: It is extremely difficult in a taxable account to shift over a large a...
by snarlyjack
Mon Oct 09, 2017 5:43 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13385

Re: Dividends vs. Capital Gains for Spending Needs?

Thank you Wizard & PhysicianOnFire, (your comments are much appreciated). When I received the life insurance settlement I just happened to land on JLCollins stock series. Thank heavens! Through JLCollins I found Vanguard and the Bogleheads. In studying his stock series I started looking at the Trini...
by snarlyjack
Mon Oct 09, 2017 8:31 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13385

Re: Dividends vs. Capital Gains for Spending Needs?

Good Morning Everyone, I' am on my way to work...but I have a special treat for you today. JLCollins first article to his daughter. It's excellent...I hope you enjoy it like I did. I also wanted to thank everyone for all your help. Bogleheads is full of excellent advise... Admiral, Montana is a rura...
by snarlyjack
Sun Oct 08, 2017 7:04 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13385

Re: Dividends vs. Capital Gains for Spending Needs?

Another problem is long term capital gains on switching funds: Let's say your in a low dividend paying fund during your accumulation years (say TSM). Then at retirement you switch your TSM fund into a dividend paying fund (say HDY). As soon as you make the switch your hit with capital gains tax. On ...
by snarlyjack
Sun Oct 08, 2017 12:00 am
Forum: Investing - Theory, News & General
Topic: Exposure Distributions in Equivalent-Risk Portfolios
Replies: 6
Views: 504

Re: Exposure Distributions in Equivalent-Risk Portfolios

TD2626,

I kind of like simple portfolios. They have lower ER's.
I did your back test with just 1 fund. The TSM fund
(by itself) blew all of your portfolios out of the water,
by $Thousands of dollars. Give it a try.
by snarlyjack
Sat Oct 07, 2017 9:34 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13385

Re: Dividends vs. Capital Gains for Spending Needs?

TropicThunder, Hello. I didn't say the Vanguard High Dividend Yield Index fund was out performing the Total Stock Market fund. I said the dividend yield was higher on the High Dividend Yield fund (3.0% vs. 1.88%). However, if you look at the 10 year chart comparing the TSM vs. HDY the TSM fund isn't...
by snarlyjack
Sat Oct 07, 2017 9:18 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13385

Re: Dividends vs. Capital Gains for Spending Needs?

I believe your right with your comments about dividends. However, let me get this straight in my mind. Dividends are Federal Tax free since I' am in the 15% Federal Tax rate (with qualified dividends). However, I will owe 6.9% State Tax on dividend income. But if I liquidate share's I will pay a 20%...
by snarlyjack
Sat Oct 07, 2017 4:52 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13385

Re: Dividends vs. Capital Gains for Spending Needs?

Hello Triceratop & Avalpert, Thank you for your help & suggestions. I' am reinvesting all my dividends at this time to build up the account as quickly as possible. I' am also dollar cost averaging into all 3 funds (taxable & IRA) each payday. On #2, I must be completely confused? The dividend paymen...
by snarlyjack
Sat Oct 07, 2017 3:53 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13385

Re: Dividends vs. Capital Gains for Spending Needs?

KlangFool, There is nothing "fictitious" in my example at all. If you go through my old posts I have divulged my account values. But I'll do it again. Tms--$250,000 x (1.8%) = $4,500. (Example). HDY--$250,000 x (3.0%) = $7,500. (Example). Now this isn't (correct) because I have diversified out a bit...
by snarlyjack
Sat Oct 07, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13385

Re: Dividends vs. Capital Gains for Spending Needs?

KlangFool, Nice meeting you by the way. I follow JLCollins (JLCollins.com) Taylor has posted his web site quite a few times. (JLCollins is very good, by the way). And, I agree with him about 98-99%. Basically what JLCollins suggest is put 100% of your monies into the TSM fund & when your dividends a...
by snarlyjack
Sat Oct 07, 2017 2:02 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13385

Re: Dividends vs. Capital Gains for Spending Needs?

KlangFool, I can give you (some) of my reasons for liking dividends. 1). Since both of are parents are gone (I' am on my own & can't borrow money from them in a emergency). In a emergency I can use my credit card & pay if off with the next dividend payment. (Financial Security). 2). Compounding, the...
by snarlyjack
Sat Oct 07, 2017 1:33 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13385

Re: Dividends vs. Capital Gains for Spending Needs?

I went on the internet & found out the 15% Federal Income Tax level is $37,950. No taxes are due on dividends if you earn less than this amount. However, some State Tax might have to be paid (depends on the State). When I did my taxes last year (2016) because I earned less than $37,950 my dividends ...
by snarlyjack
Sat Oct 07, 2017 9:06 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13385

Re: Dividends vs. Capital Gains for Spending Needs?

Good Morning Everyone, I guess were going back into this conversation (dividends). (I would like to say that I' am not the only one who likes dividends, in the marketplace, their are Millions of people who look for dividends. Why do you think that Vanguard offers these 3 funds, Dividend Appreciation...
by snarlyjack
Fri Oct 06, 2017 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Freeze - What did you do?
Replies: 71
Views: 5442

Re: Pension Freeze - What did you do?

Tooluser, I' am sorry to hear of your pension. I think the faster you can get to acceptance the better for you & your family. What I would do is pick 1 fund. Something like the LifeStrategy fund, that is very diversified with a low ER. Then, I put would as much money into it as possible. I would not...
by snarlyjack
Fri Oct 06, 2017 2:48 pm
Forum: Investing - Theory, News & General
Topic: Time Value of Money (Young Investors)
Replies: 29
Views: 1881

Re: Time Value of Money (Young Investors)

Alexia9,

I totality agree with you. Compounding is the 8th
wonder of the world.

Learning at Bogleheads has been very informative &
educational. Unfortunately, we Bogleheads are a very
small percentage of the people.
by snarlyjack
Fri Oct 06, 2017 2:27 pm
Forum: Investing - Theory, News & General
Topic: I'm thinking about cashing completely out of equites....
Replies: 75
Views: 8059

Re: I'm thinking about cashing completely out of equites....

Hello Harrington,

Age 56 - Age 100 = 44 more years to go.
I think a 50/50 stock/bond mix is perfect.
If you sell out you will have a tax consequence.
I would hang tough for yourself, estate, children, gifting, etc.
Just don't pay any attention to it & go have a good time.
Whatever happens, happens...
by snarlyjack
Fri Oct 06, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 11064

Re: Millionaire Next Door (Thank you Bogleheads)

B. Wellington,

Congratulations!

I' am so happy for you & your children's future.
"It can be done, even on a modest salary, it takes time, but it can be done".

I think that is just great. Thanks for sharing... :sharebeer
by snarlyjack
Fri Oct 06, 2017 7:48 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13385

Re: Dividends vs. Capital Gains for Spending Needs?

Good morning everybody, (New day, new thoughts...I slept on this last night) The problem is: Selling off the portfolio. There are lot of people that don't want to sell off their portfolio for various reasons. 1). Psychological reasons. 2). Longevity reasons. 3). Inheritance reasons. 4). Diversify ou...
by snarlyjack
Thu Oct 05, 2017 4:48 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13385

Re: Dividends vs. Capital Gains for Spending Needs?

Triceratop, I agree with you, you are very good! You must be getting a MBA or working on your CPA degree? The reason I picked the High Dividend Yield Index fund was the companies/stocks in the fund. Big Blue Cap. stocks imho, are the cat's meow. I've noticed that a lot of investors here tax-loss har...
by snarlyjack
Thu Oct 05, 2017 4:08 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13385

Re: Dividends vs. Capital Gains for Spending Needs?

Since were posting articles & giving opinions. I would like to post mine. I love freedom, I love passive income, I love my time... The question is, how can I achieve my goals without selling off my portfolio? Remember I' am a young guy 23 years old. I need my portfolio to last until age 100. That's ...
by snarlyjack
Thu Oct 05, 2017 3:36 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13385

Re: Dividends vs. Capital Gains for Spending Needs?

Avalpert,

I absolutely refuse to be drawn into this argument again.

However, I also don't invest in "zero coupon bonds" just to be fair.

I love Warren Buffett & his fund is super but it's not what I' am looking for
in a investment. Nice guy tho..
by snarlyjack
Thu Oct 05, 2017 3:15 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13385

Re: Dividends vs. Capital Gains for Spending Needs?

I really don't want to get into this argument again. However, I would like to point out some items to (Physician On Fire) for future reference. 1). Not everyone lives in California. 2). Not everyone is in the 25% tax bracket. 3). Not every State imposes high taxes on dividends. 4). Everyone is not a...
by snarlyjack
Wed Oct 04, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: how to choose mutual fund
Replies: 2
Views: 180

Re: how to choose mutual fund

Hello Peterb111, The very 1st thing I do when checking out a mutual fund is to look at the ER fees (expense ratio). The lower your fees the lower your cost. Then, I look at see what kind of fund it is (stock/bond/balance fund). I would suggest that you read the Boglehead "Wiki". This will help you. ...
by snarlyjack
Wed Oct 04, 2017 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: $5k inheritance & portfolio question . . .
Replies: 6
Views: 860

Re: $5k inheritance & portfolio question . . .

Hi MikeT, I really like the LifeStrategy Funds. You can choose the AA that you feel comfortable with, (20/80, 40/60, 60/40, 80/20) stock/bond ratio. It has a mix of the Total Stock Market, Total International Market & the Total Bond Market with a bit of International Bonds. I own mine in my Roth IRA...
by snarlyjack
Wed Oct 04, 2017 7:10 am
Forum: Investing - Theory, News & General
Topic: Exposure Distributions in Equivalent-Risk Portfolios
Replies: 6
Views: 504

Re: Exposure Distributions in Equivalent-Risk Portfolios

TD2626,

Since your asking about "theoretical" market efficiency.

Here is a article about the "efficient frontier" by Millennial Revolution.
Called "let's math this stuff up".

Enjoy...

http://www.millennial-revolution.com/in ... io-retire/
by snarlyjack
Wed Oct 04, 2017 6:38 am
Forum: Investing - Theory, News & General
Topic: Shooting for the moon as a young investor
Replies: 19
Views: 1988

Re: Shooting for the moon as a young investor

I' am a young investor (age 23). I also have a B.S. Degree in Finance from the U of M. I've done extensive studying & reading here at Bogleheads & other web sites. Imho, it's all about compounding at a yearly age. I own 3 funds: 1). LifeStrategy fund (which has tsm, international, & bonds) (11,000 s...
by snarlyjack
Tue Oct 03, 2017 9:15 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1527
Views: 270607

Re: What are you up YTD? [Year To Date]

According to Vanguard's portfolio summary
14.3%...I' am a happy camper.
by snarlyjack
Sun Oct 01, 2017 4:48 pm
Forum: Investing - Theory, News & General
Topic: Buffett's idea of risk vs risk as in the formula: 'willingness, ability and need'
Replies: 50
Views: 2573

Re: Buffett's idea of risk vs risk as in the formula: 'willingness, ability and need'

Lauretta,

Here is a article on Warren Buffett call
on the 2117 (100 years) Dow being at 1 Million.

If only someone could be like Rip Van Winkle.

Enjoy...

https://www.usatoday.com/story/money/20 ... 707440001/
by snarlyjack
Sat Sep 30, 2017 1:45 pm
Forum: Investing - Theory, News & General
Topic: Which bogleheads have a "high need to take risk"?
Replies: 51
Views: 4467

Re: Which bogleheads have a "high need to take risk"?

Triceratop,

I don't know what to tell you.
My taxes are not a problem.

Here is "another" article from our mentor Jack Bogle.

Enjoy...

http://www.dividendgrowthinvestor.com/2 ... dends.html
by snarlyjack
Sat Sep 30, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: Which bogleheads have a "high need to take risk"?
Replies: 51
Views: 4467

Re: Which bogleheads have a "high need to take risk"?

Triceratop, Here is another interesting article that you might enjoy. (At my age I feel I can afford to have 2 different strategy's. I don't prefer one strategy to the other...I like & appreciate both strategy's). Enjoy this article... http://www.dividendgrowthinvestor.com/2017/09/performance-of-div...
by snarlyjack
Sat Sep 30, 2017 12:03 pm
Forum: Investing - Theory, News & General
Topic: A look at the market ride
Replies: 2
Views: 939

Re: A look at the market ride

pkcrafter,

Thank you for posting these articles & charts.
I thought they were very interesting & informative.
(All Bogleheads should read them...)

Once again thank you...I enjoyed them.
by snarlyjack
Fri Sep 29, 2017 10:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard advisor on dividends
Replies: 71
Views: 7553

Re: Vanguard advisor on dividends

Here is a new article that I thought was pretty interesting. (Published September 2017). Please keep in mind that I also own LifeStrategy Fund. (I really like Taylors 3 fund portfolio) (100% Roth IRA). This article is for discussion purposes. Enjoy the article. http://www.dividendgrowthinvestor.com/...
by snarlyjack
Fri Sep 29, 2017 9:23 pm
Forum: Investing - Theory, News & General
Topic: Which bogleheads have a "high need to take risk"?
Replies: 51
Views: 4467

Re: Which bogleheads have a "high need to take risk"?

I would not say that I have a "high need to take risk". But their are a couple of "strategies" I really like. 1). I seem to be enamored with dividend paying index funds. 2). I also really like Taylors "Three Fund Portfolio" index funds. (Totality different strategy's). I moved my entire Roth Ira int...
by snarlyjack
Fri Sep 29, 2017 6:03 pm
Forum: Investing - Theory, News & General
Topic: Share buybacks vs Dividends
Replies: 102
Views: 4673

Re: Share buybacks vs Dividends

Here is a article for your reading pleasure, that
you might enjoy.

http://www.dividendgrowthinvestor.com/2 ... e-not.html
by snarlyjack
Thu Sep 28, 2017 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Immigrant retiring in the US [Brazil]
Replies: 14
Views: 963

Re: Immigrant retiring in the US [Brazil]

Hello Tzbz,

Welcome to Bogleheads.

I' am not sure of the laws & exactly what you
need to do.

However, I would contact Vanguard & tell them your plan &
find out what advice they would give. The LifeStrategy
Funds are very good, your on the right track.

Good luck...
by snarlyjack
Thu Sep 28, 2017 7:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard advisor on dividends
Replies: 71
Views: 7553

Re: Vanguard advisor on dividends

I don't "drip into individual stocks" but I do reinvest my
index dividends. I hope Vanguard keeps really good
track of my account because I plan on never selling.

I might use the dividends someday (not reinvest) but I
see no reason for me to sell shares.
by snarlyjack
Thu Sep 28, 2017 7:34 pm
Forum: Investing - Theory, News & General
Topic: Guy proves that Buy The Dip strategy works (via backtests) any rebuttals?
Replies: 65
Views: 6411

Re: Guy proves that Buy The Dip strategy works (via backtests) any rebuttals?

I dca into my accounts every payday.
I don't care what the markets are doing (up, down, sideways).
I' am a long term buy & hold investor. It's time in the
markets not timing the markets...that's the big secret.
by snarlyjack
Thu Sep 28, 2017 7:29 pm
Forum: Investing - Theory, News & General
Topic: Likelihood of a crash and lump sum investing
Replies: 32
Views: 2666

Re: Likelihood of a crash and lump sum investing

If I inherited money today...I would invest it.
I would rather be in the market than out of the market.

I dca every dime I have...