Search found 743 matches

by snarlyjack
Fri Jul 06, 2018 5:25 pm
Forum: Investing - Theory, News & General
Topic: The Worst U.S. Portfolio Disasters — A Historical Comparison
Replies: 66
Views: 5496

Re: The Worst U.S. Portfolio Disasters — A Historical Comparison

SimpleGift, Interesting charts as usual...Thank You. I do know of a couple that had a 60/40 portfolio going through the 2008/2009 debacle & were dca'ing as much as they could through the whole thing. When all was said & done, they dca their way into a $1.5 Million portfolio. I thought that was inter...
by snarlyjack
Wed Jul 04, 2018 7:55 pm
Forum: Investing - Theory, News & General
Topic: How Do You Like My New 'Doo
Replies: 152
Views: 29800

Re: How Do You Like My New 'Doo

Nedsaid,

Good...you have a plan.

I was going to suggest that you move to Montana
& I could show you how to chop firewood so we can
keep the place warm in the winter. (It's a money
saver when your frugal on the utilities)...ha...
by snarlyjack
Wed Jul 04, 2018 7:33 pm
Forum: Investing - Theory, News & General
Topic: How Do You Like My New 'Doo
Replies: 152
Views: 29800

Re: How Do You Like My New 'Doo

Nedsaid, I just looked at Vanguards fund list page. As of today 7-4-2018 the SEC yield on my favorite fund (VHDYX) is 3.11%. A $1. Million dollar portfolio could pay out $31,100. $31,000 + Social Security = ? (how much are you expecting from SS)? (let's say $25,000 + $31,000 = $56,000 year). Then go...
by snarlyjack
Wed Jul 04, 2018 7:07 pm
Forum: Investing - Theory, News & General
Topic: How Do You Like My New 'Doo
Replies: 152
Views: 29800

Re: How Do You Like My New 'Doo

Hey Nedsaid, I agree with Bobcat2. In retirement it's all about the income generated. The portfolio will ebb & flow in value. What would happen if you converted the whole portfolio to a income portfolio? Would that kick up the numbers high enough? Most of your funds & stocks are dividend/ income pro...
by snarlyjack
Wed Jul 04, 2018 6:28 pm
Forum: Investing - Theory, News & General
Topic: How Do You Like My New 'Doo
Replies: 152
Views: 29800

Re: How Do You Like My New 'Doo

Nedsaid, Let me be the 1st person to wish you a Happy Birthday... :sharebeer I think your numbers look good, congrats. Question. Can you live off of the portfolio? With all your dividend stocks & value fund dividends are they where you need them to be? I think your great & love your analysis. 3 more...
by snarlyjack
Tue Jul 03, 2018 8:59 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Premium Is 5th Biggest In History
Replies: 18
Views: 2069

Re: Small Cap Premium Is 5th Biggest In History

I also agree. I own large cap. value, medium cap. value & small cap. value.
It seems like when 1 is down the other is up. I can live with that...
by snarlyjack
Tue Jul 03, 2018 7:35 pm
Forum: Investing - Theory, News & General
Topic: History of U.S. Dividends & Share Buybacks, 1871-2017
Replies: 32
Views: 2032

Re: History of U.S. Dividends & Share Buybacks, 1871-2017

Simplegift,

Thank you for posting the charts.
I thought they were interesting.
Both buybacks & dividends can significantly increase
shareholder returns. Together they are awesome...
by snarlyjack
Mon Jul 02, 2018 3:06 pm
Forum: Investing - Theory, News & General
Topic: "homemade dividends" from Total Stock Market fund
Replies: 135
Views: 8534

Re: "homemade dividends" from Total Stock Market fund

(Lunch Time)

Phineas J. Whoopee

I' am sorry...I' am trying my best.
(It's hard to put your thoughts down on paper
when your being constantly attacked. I can go to
Seeking Alpha or other blogs & feel right at home).

However, I' am trying...thanks for being patient with me.
by snarlyjack
Mon Jul 02, 2018 9:50 am
Forum: Investing - Theory, News & General
Topic: "homemade dividends" from Total Stock Market fund
Replies: 135
Views: 8534

Re: "homemade dividends" from Total Stock Market fund

Good Morning Bogleheads. (I' am on my way to work...). T. I' am glad our situations are similar. That makes things more relatable. I think I have been very evidence based. For example I have shown you assorted studies. If you read Jack Bogle's book "The Little Book of Common Sense Investing, 10th an...
by snarlyjack
Mon Jul 02, 2018 1:21 am
Forum: Investing - Theory, News & General
Topic: "homemade dividends" from Total Stock Market fund
Replies: 135
Views: 8534

Re: "homemade dividends" from Total Stock Market fund

The conversation started when Carol8888 (OP) was asking about selling off the portfolio vs. using dividends. I realize most people here use the 4% rule & fully intend to sell off their portfolios in retirement. I have no problem with that. However, being a young guy that has studied this I realize t...
by snarlyjack
Mon Jul 02, 2018 12:58 am
Forum: Investing - Theory, News & General
Topic: "homemade dividends" from Total Stock Market fund
Replies: 135
Views: 8534

Re: "homemade dividends" from Total Stock Market fund

MT, I realize that, but... What companies does Warren Buffett invest in? (dividend paying stocks). Also, the reason WB does not pay a dividend out is because he thinks he is a better investor than most people. Getting a dividend & paying out a dividend are 2 different strategies. Warren Buffett is t...
by snarlyjack
Mon Jul 02, 2018 12:43 am
Forum: Investing - Theory, News & General
Topic: "homemade dividends" from Total Stock Market fund
Replies: 135
Views: 8534

Re: "homemade dividends" from Total Stock Market fund

This is who I really believe... I've studied & read about to many millionaires and how they accomplished their goals. All the millionaires I've studied have certain traits. (Warren Buffett, Charlie Munger, Ronald Read, the list goes on...their are to many of them)... Enjoy a really successful invest...
by snarlyjack
Mon Jul 02, 2018 12:00 am
Forum: Investing - Theory, News & General
Topic: "homemade dividends" from Total Stock Market fund
Replies: 135
Views: 8534

Re: "homemade dividends" from Total Stock Market fund

By the way, I am on paper completely unqualified to say any of this. I have no formal background in finance or accounting of any kind. I didn't even take a finance or business course in college. Evaluate my posts on the basis of what I say, not who I am. T. Ok...I'll take you at your word. Why shoul...
by snarlyjack
Sun Jul 01, 2018 7:31 pm
Forum: Investing - Theory, News & General
Topic: "homemade dividends" from Total Stock Market fund
Replies: 135
Views: 8534

Re: "homemade dividends" from Total Stock Market fund

Var, I just spent a couple of minutes glancing at his articles for where he worked. Unfortunately I could not find it. Let's just say he is a CPA that ownes Simply Safe Dividends. I'am not sure what math you want me to respond to? It was an article by a CPA comparing the 4% Trinity Rule to dividend ...
by snarlyjack
Sun Jul 01, 2018 6:38 pm
Forum: Investing - Theory, News & General
Topic: "homemade dividends" from Total Stock Market fund
Replies: 135
Views: 8534

Re: "homemade dividends" from Total Stock Market fund

VaR, I was just showing the source of the articles (I was asked to). I do not invest in individual stocks or use his services. I did not suggest anyone pay for his services. I invest in Vanguard Mutual Funds. I especially like index funds & invest the Jack Bogle way. I consider myself a Boglehead. A...
by snarlyjack
Sun Jul 01, 2018 6:30 pm
Forum: Investing - Theory, News & General
Topic: "homemade dividends" from Total Stock Market fund
Replies: 135
Views: 8534

Re: "homemade dividends" from Total Stock Market fund

T. (I read where Brian worked, I think it's G.S. but I' am not 100% sure). (It's in one of his articles). Anyway, This is what I think: Finance is very complicated. It changes daily, weekly & yearly. No one has a clear crystal ball. The target keeps moving. What we want to do is give the best advice...
by snarlyjack
Sun Jul 01, 2018 5:55 pm
Forum: Investing - Theory, News & General
Topic: "homemade dividends" from Total Stock Market fund
Replies: 135
Views: 8534

Re: "homemade dividends" from Total Stock Market fund

Ok, Brian Bollinger, is a financial analyst & CPA. He worked for Goldman Sachs (I believe) as a financial analyst. He started a business called "Simply Safe Dividends" & analyzes individual stocks & rates them for dividend safety. He is not a "blogger" & is a very qualified financial analyst. I post...
by snarlyjack
Sun Jul 01, 2018 4:57 pm
Forum: Investing - Theory, News & General
Topic: "homemade dividends" from Total Stock Market fund
Replies: 135
Views: 8534

Re: "homemade dividends" from Total Stock Market fund

Having read the blog, I thought the 3 articles I posted were appropriate to the discussion of "home made dividends". I realize their is disagreements on home made dividends vs. actual dividends. It really depends on who you are talking with. Some groups like home made dividends other groups like div...
by snarlyjack
Sun Jul 01, 2018 4:19 pm
Forum: Investing - Theory, News & General
Topic: "homemade dividends" from Total Stock Market fund
Replies: 135
Views: 8534

Re: "homemade dividends" from Total Stock Market fund

T. Here is another analysis/article the author of "Simply Safe Dividends" wrote concerning how dividend stocks perform in a rising interest rate environment. https://www.simplysafedividends.com/will-rising-interest-rates-hurt-dividend-stocks/ Here is his source... http://www.mhinvest.com/files/pdf/N...
by snarlyjack
Sun Jul 01, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: "homemade dividends" from Total Stock Market fund
Replies: 135
Views: 8534

Re: "homemade dividends" from Total Stock Market fund

Here is a article on the 4% withdrawal rule vs. dividend withdrawal.
(I think it has to do with the size of the portfolio).

Enjoy...interesting analysis.

https://www.simplysafedividends.com/4-p ... etirement/
by snarlyjack
Fri Jun 29, 2018 6:05 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Dividend Policy And Stock Returns
Replies: 8
Views: 743

Re: Larry Swedroe: Dividend Policy And Stock Returns

I see MSN rewrote their article from when I posted it (this morning) to the rewrite after the market close. When I posted the article the Dow was up 250 points. I see the Dow corrected up approx 55 points at the close. The article talked about the market moving up due to the FED saying it was ok for...
by snarlyjack
Fri Jun 29, 2018 4:47 pm
Forum: Investing - Theory, News & General
Topic: "homemade dividends" from Total Stock Market fund
Replies: 135
Views: 8534

Re: "homemade dividends" from Total Stock Market fund

I would like to jump in here & make a comment. My 3 value/dividend funds. 1). Large Cap. Value (High dividend yield index fund). 2). Mid Cap. Value Index Fund. 3). Small Cap. Value Index Fund. Between all 3 funds they hold approx. 1500 stocks and they are pretty diversified in all the sectors. Plus ...
by snarlyjack
Fri Jun 29, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Dividend Policy And Stock Returns
Replies: 8
Views: 743

Re: Larry Swedroe: Dividend Policy And Stock Returns

I admit that I don't know a lot... However, I do know the market is surging today because the FED. is allowing the banking industry to increase their dividends & buybacks due to the banking industry passing their stress tests. Enjoy, todays article on the markets... https://www.msn.com/en-us/money/m...
by snarlyjack
Wed Jun 27, 2018 12:17 pm
Forum: Investing - Theory, News & General
Topic: Did value just bottom vs. growth?
Replies: 2
Views: 490

Did value just bottom vs. growth?

Interesting article & chart.

Did value just bottom vs. growth?

Enjoy...

http://allstarcharts.com/value-just-bot ... report.com
by snarlyjack
Wed Jun 27, 2018 9:25 am
Forum: Investing - Theory, News & General
Topic: GE and the myth of "safe blue-chip stocks"
Replies: 140
Views: 20622

Re: GE and the myth of "safe blue-chip stocks"

Between my 3 value funds,

Small Cap. Value
Med. Cap. Value
Large Cap. Value (High Dividend Yield Index Fund)

Their are approximately 1500 value stocks paying dividends.
My dividend payout has been very reliable.
So far so good...
by snarlyjack
Tue Jun 26, 2018 11:37 pm
Forum: Investing - Theory, News & General
Topic: The cost of reducing portfolio volatility
Replies: 25
Views: 2330

Re: The cost of reducing portfolio volatility

Vineviz,

Paul Merriman wrote a article that I thought you would enjoy.

"Opinion, a half percent can change your retirement".

Enjoy...

https://paulmerriman.com/opinion-a-half ... etirement/
by snarlyjack
Sun Jun 17, 2018 2:42 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rediscovering The Size Effect
Replies: 36
Views: 3623

Re: Larry Swedroe: Rediscovering The Size Effect

Here is a new analysis put together by a engineer
going back to 1926-2017 that I thought was interesting.

Enjoy...

https://paulmerriman.com/wp-content/upl ... risons.pdf

https://paulmerriman.com/the-case-for-s ... -retirees/
by snarlyjack
Sun Jun 17, 2018 7:27 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rediscovering The Size Effect
Replies: 36
Views: 3623

Re: Larry Swedroe: Rediscovering The Size Effect

Dead Man Walking, That was great! I love your aphorism "money talks & b.s. walks". I'll have to remember that... I totality agree with you. I thought Kevin O'Leary's video was pretty informative for different assorted reasons. Thank You, Dead Man Walking :happy https://www.youtube.com/watch?v=DEfHnh...
by snarlyjack
Sat Jun 16, 2018 7:42 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rediscovering The Size Effect
Replies: 36
Views: 3623

Re: Larry Swedroe: Rediscovering The Size Effect

Thank You, Moto Trojan. The dividend fund is good. It gives me all the emergency funds that I might need. I' am no longer contributing to the fund & it is passively rolling along (my emergency expenses could include property taxes, new roof, car maintenance, etc.). Currently, I' am 100% focused on l...
by snarlyjack
Sat Jun 16, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rediscovering The Size Effect
Replies: 36
Views: 3623

Re: Larry Swedroe: Rediscovering The Size Effect

Here is a short video by Kevin O'Leary talking about
why he thinks small caps are going up...interesting conversation.

Dated May 2018. Enjoy...

https://www.youtube.com/watch?v=DEfHnhq_HeM
by snarlyjack
Fri Jun 15, 2018 8:12 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rediscovering The Size Effect
Replies: 36
Views: 3623

Re: Larry Swedroe: Rediscovering The Size Effect

Nisiprius: I did read the blog "small-cap tilt, 1925-2004: good enough to make you switch?" Which I wanted to comment on. It was a very interesting challenge & story. However, going through what I went through settling my Mom's estate. I would not suggest to anyone to have 10 different funds. It mak...
by snarlyjack
Fri Jun 15, 2018 5:13 pm
Forum: Investing - Theory, News & General
Topic: Our interview with Taylor Larimore
Replies: 17
Views: 3792

Re: Our interview with Taylor Larimore

Thank You Taylor.

I agree you are the voice of reason
& it's much appreciated. :sharebeer
by snarlyjack
Fri Jun 15, 2018 4:57 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rediscovering The Size Effect
Replies: 36
Views: 3623

Re: Larry Swedroe: Rediscovering The Size Effect

Thank You Vineviz,

I think I' am to young for bonds. I' am comfortable with 100% stocks.
I was thinking of the Total International Stock Fund.

I keep learning. The Bogleheads have helped a lot.
It takes a long time to put together a well thought out portfolio.

Once again...Thank You, Vineviz.
by snarlyjack
Fri Jun 15, 2018 3:03 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rediscovering The Size Effect
Replies: 36
Views: 3623

Re: Larry Swedroe: Rediscovering The Size Effect

Vineviz, Right now the % is really small about 10% small caps. That's because the brokerage account is so large. It's about $300,000. High Dividend Yield & $30,000. Small Cap Value. What I would like to do is not make any more contributions to the High Dividend Yield & concentrate 100% on Small Cap ...
by snarlyjack
Fri Jun 15, 2018 2:39 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Rediscovering The Size Effect
Replies: 36
Views: 3623

Re: Larry Swedroe: Rediscovering The Size Effect

How about a real life example. (you guy's are kind of talking above my head...) I read all of Paul Merrimans articles & agree with his statement that a 1/2% or 1% can change your life. With that in mind I changed my Roth IRA to 100% Vanguard Small Cap Value Fund (VSIAX). My broker account is 100% Va...
by snarlyjack
Thu Jun 14, 2018 8:54 am
Forum: Investing - Theory, News & General
Topic: New JUST ETF - thoughts?
Replies: 12
Views: 725

Re: New JUST ETF - thoughts?

I have read articles on people picking individual dividend paying stocks that are analyzing the company values. The idea is that dividend paying stocks are more share holder friendly, think J & J. They feel dividend paying stocks are giving back to the share holders & are more fiscally responsible w...
by snarlyjack
Wed Jun 13, 2018 5:54 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 137
Views: 15147

Re: Paul Merriman and Small Cap Value

abogler,

Paul Merriman.com is a very informative site.
He has lot's of articles, pod cast & videos on his
strategy. Paul would suggest Small Cap. Value Funds
not Small Cap. Blend Funds.

Hope this helps you...
by snarlyjack
Tue Jun 12, 2018 9:38 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 137
Views: 15147

Re: Paul Merriman and Small Cap Value

abogler,

Welcome to Bogleheads…

If I were you I would call/contact your 401K provider &
ask for suggestions for a Int. SCV ETF. Then go from their...

I hope I helped you & welcome.
by snarlyjack
Tue Jun 12, 2018 9:29 pm
Forum: Investing - Theory, News & General
Topic: Low inflation caused by e-commerce?
Replies: 15
Views: 1931

Re: Low inflation caused by e-commerce?

Raybo,

I have a friend that lives in Malaysia that I have been
e-mailing for years.

According to him the wages in Malaysia & Asia are terrible.
He is a computer system analyst. Highly educated, he
makes very little money.

He say's you can live like a king on $500. a month.
by snarlyjack
Tue Jun 12, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: Do Small Caps Outperform?
Replies: 61
Views: 4081

Re: Do Small Caps Outperform?

Here is a article on Small Cap. Stocks that you might find informative.
The more information the better...

Enjoy.

http://theconservativeincomeinvestor.co ... -a-caveat/
by snarlyjack
Sat Jun 09, 2018 11:26 pm
Forum: Investing - Theory, News & General
Topic: Multi-Asset vs. Simple Portfolio, 1970-2017
Replies: 37
Views: 3155

Re: Multi-Asset vs. Simple Portfolio, 1970-2017

No one knows the future. It seems to me that we want to try to put the statistic's in our favor. And, we do have some long term trends over 80 years that seem to hold on over time. The other thing I have noticed is: Large companies have a lot of money. When a small company is making cutting edge pro...
by snarlyjack
Sat Jun 09, 2018 7:15 pm
Forum: Investing - Theory, News & General
Topic: Multi-Asset vs. Simple Portfolio, 1970-2017
Replies: 37
Views: 3155

Re: Multi-Asset vs. Simple Portfolio, 1970-2017

Nice meeting you Rick. Ok...The fee difference between TSM (.04) & SCV (.07) is not much. Not a deal breaker in my book. For a young guy like myself I see no harm or very little risk to add a SCV (tilt) to my portfolio. I look for it to be the "after burner" to my LCV fund. I' am more of a value inv...
by snarlyjack
Sat Jun 09, 2018 6:45 pm
Forum: Investing - Theory, News & General
Topic: Multi-Asset vs. Simple Portfolio, 1970-2017
Replies: 37
Views: 3155

Re: Multi-Asset vs. Simple Portfolio, 1970-2017

I started studying Paul Merriman & his investment tables. I consider a simple portfolio 2 or 3 funds. Now, that we have the long term data of different asset classes it could be a game changer. As Paul Merriman said this could change your life... https://paulmerriman.com/wp-content/uploads/2018/02/2...
by snarlyjack
Fri Jun 08, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 137
Views: 15147

Re: Paul Merriman and Small Cap Value

Being a young guy Paul Merriman's numbers (see table) are very close to mine. I' am 24 years old - age 60 (IRA & 401K open up) = 36 years. Started at age 20 - mortality age 100 = 80 potential investment years. (I' am all ready up quite a bit in the past 4 years). If his numbers are good or for that ...
by snarlyjack
Fri Jun 08, 2018 10:14 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 137
Views: 15147

Re: Paul Merriman and Small Cap Value

Here is Paul Merriman's table for the 4 fund & 2 fund portfolio. I thought this table was very educational & informative. Because of this table I've been moving around my 401K & IRA funds & brokerage account to better match up with his suggestions. I feel more comfortable now than I ever have about ...
by snarlyjack
Mon Jun 04, 2018 7:44 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 137
Views: 15147

Re: Paul Merriman and Small Cap Value

Paul, I read every article on your web site, Paul Merriman.com (They were excellent by the way). I ended up going with your ultimate 2 fund strategy. My favorite investments are in large cap. value funds. (Big blue cap. funds). For several reasons. Dividends being 1 of the reasons. I also like the b...
by snarlyjack
Sat Jun 02, 2018 8:15 pm
Forum: Investing - Theory, News & General
Topic: Asset Location Gets REALLY Complex [Tax-ajusted asset allocation]
Replies: 21
Views: 2210

Re: Asset Location Gets REALLY Complex

I believe in the simpler the better philosophy. Roth 401K 1 fund. Roth IRA 1 fund. Taxable account 3 funds. Total funds 5. I really like all 5 funds but I don't want to get anymore. (some times you can't pick your asset location due to things like life insurance settlements that you can't put into a...
by snarlyjack
Sat Jun 02, 2018 7:26 pm
Forum: Investing - Theory, News & General
Topic: Strengths/Weaknesses of Market Cap and Value Strategies
Replies: 21
Views: 2185

Re: Strengths/Weaknesses of Market Cap and Value Strategies

Strengths & Weaknesses of Market Cap & Value Strategies... I consider myself a dividend investor (growth & value) but more value. One of the strengths of the dividend/value strategy is I plan to hold forever. I' am a young guy & I plan to hold for 70/80 years without selling. My portfolio looks like...
by snarlyjack
Fri Jun 01, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Milestones on the way to FI [Financial Independence]
Replies: 28
Views: 3145

Re: Milestones on the way to FI

Wow...It's my tribe.

My net savings rate is 60-65%.

Hitting it as hard as I can... :beer