Search found 777 matches

by snarlyjack
Sun Aug 05, 2018 1:06 pm
Forum: Investing - Theory, News & General
Topic: Will dividend spending only portfolio last forever ?
Replies: 90
Views: 5627

Re: Will dividend spending only portfolio last forever ?

Chris, If you don't think WB knows about yield on cost your kidding yourself. Let me show you something interesting... When I choose a fund I will look at the dividend payout ratio over the years. If you look at 3 funds...VYM, VOE & VBR. The dividend growth in these 3 funds is very strong (yes, you ...
by snarlyjack
Sun Aug 05, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: Will dividend spending only portfolio last forever ?
Replies: 90
Views: 5627

Re: Will dividend spending only portfolio last forever ?

Chip, Here is a article that WB is a closet dividend investor. (how dividend investors look at things). As far as your thought experiments. (why don't you sell everything once a year & rebuy something else)? That's not even a thought I would ever in my wildest dreams entertain, for tax reason's plus...
by snarlyjack
Sun Aug 05, 2018 8:45 am
Forum: Investing - Theory, News & General
Topic: Will dividend spending only portfolio last forever ?
Replies: 90
Views: 5627

Re: Will dividend spending only portfolio last forever ?

Chip,

So...you don't believe in yield on cost.
I get it, I' am pretty sure Warren Buffett does...

I do not rebalance. My 100% stock portfolio is
set up to run...(the numbers are on my side).
by snarlyjack
Sun Aug 05, 2018 8:30 am
Forum: Investing - Theory, News & General
Topic: Will dividend spending only portfolio last forever ?
Replies: 90
Views: 5627

Re: Will dividend spending only portfolio last forever ?

Here is a short video on "Yield On Cost" & why
you want to buy into a down market. This is what
makes it so powerful...

https://www.youtube.com/watch?v=cw979PB0A3Q
by snarlyjack
Fri Aug 03, 2018 8:48 pm
Forum: Investing - Theory, News & General
Topic: Will dividend spending only portfolio last forever ?
Replies: 90
Views: 5627

Re: Will dividend spending only portfolio last forever ?

I think it's a awesome strategy. Very well research by University's, Brokerages & Jack Bogle has written about it. I think a person could live off of a dividend portfolio. Lot's of people do... It takes time & dedication to build a great portfolio. Most things in life take time to build. Nothing new...
by snarlyjack
Fri Aug 03, 2018 7:56 pm
Forum: Investing - Theory, News & General
Topic: Will dividend spending only portfolio last forever ?
Replies: 90
Views: 5627

Re: Will dividend spending only portfolio last forever ?

spdoublebass, Ok...now were getting back to the original subject of dividends. You might be right 1300-1400 stocks might be the correct number with no overlap. (I really don't know the exact number). However, most of the individual stock portfolio's that I've read about go from 30 to 110 stocks. The...
by snarlyjack
Fri Aug 03, 2018 7:28 pm
Forum: Investing - Theory, News & General
Topic: Will dividend spending only portfolio last forever ?
Replies: 90
Views: 5627

Re: Will dividend spending only portfolio last forever ?

Yes, I misspoke, their is Gm & GE in VHDYX (sorry, my mistake). Not sure why they sold Microsoft. Their yield must have dropped below a certain screening... Yes, their is overlap between the High Dividend Yield, Mid Cap. Value & Small Cap. Value. However, my percentage's in the funds are much higher...
by snarlyjack
Fri Aug 03, 2018 5:14 pm
Forum: Investing - Theory, News & General
Topic: Will dividend spending only portfolio last forever ?
Replies: 90
Views: 5627

Re: Will dividend spending only portfolio last forever ?

What I have found concerning some companies... If a company starts to weird out, VHDYX sell's them. I don't own GE or GM or Enron. With 1700 companies/stocks that's my last worry. I trust Vanguard & how they manage the fund. In fact I' am super impressed with the fund & it's sector selection & perfo...
by snarlyjack
Fri Aug 03, 2018 3:08 pm
Forum: Investing - Theory, News & General
Topic: Will dividend spending only portfolio last forever ?
Replies: 90
Views: 5627

Re: Will dividend spending only portfolio last forever ?

Let's kick it up a notch & look at my portfolio. (now that we have the basic's covered). I have 4 accounts. 1). 401K (small cap. blend, long term investing) 200 stocks. 2). Roth IRA (small cap. value, long term investing) 900 stocks. 3). Taxable account, Vanguard High Dividend Value Index Fund 400 s...
by snarlyjack
Fri Aug 03, 2018 2:22 pm
Forum: Investing - Theory, News & General
Topic: Will dividend spending only portfolio last forever ?
Replies: 90
Views: 5627

Re: Will dividend spending only portfolio last forever ?

***What I do not want is for this blog to go off the rails like they usually do...***

Here is a video explaining "yield on cost" & how you can use it in your portfolio.
(Their are many, many investors who believe in yield on cost).

enjoy...

https://www.youtube.com/watch?v=Zw5uUeecFKk
by snarlyjack
Fri Aug 03, 2018 12:40 pm
Forum: Investing - Theory, News & General
Topic: Will dividend spending only portfolio last forever ?
Replies: 90
Views: 5627

Re: Will dividend spending only portfolio last forever ?

Here is a interesting case study of Warren Buffett
and his purchase of Coke Cola yield on cost.

(This is what the Janitor Next Door did).

Enjoy...this study.

https://www.suredividend.com/yield-on-cost/
by snarlyjack
Fri Aug 03, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: Will dividend spending only portfolio last forever ?
Replies: 90
Views: 5627

Re: Will dividend spending only portfolio last forever ?

It's called yield on cost. (It's the factor that is really compounding the dividends out. Their are some excellent examples on how yield on cost works on the internet). Say the growth of the dividend is 7% per year. (look at the dividends on VHDYX) The price can be flat but the dividends keep growin...
by snarlyjack
Thu Aug 02, 2018 10:38 pm
Forum: Investing - Theory, News & General
Topic: Will dividend spending only portfolio last forever ?
Replies: 90
Views: 5627

Re: Will dividend spending only portfolio last forever ?

Skor99, It's a great strategy... (I would like to make a few points). 1). The reason VHDYX cut it's dividend in 2008 (about 25%) is because the Fed. Gov't had restrictions on the bank stocks to not pay any dividends. (2008 was a banking/mortgage crisis). 2). If you look at long term charts VHDYX is ...
by snarlyjack
Wed Aug 01, 2018 7:50 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Portfolio Pain Happens
Replies: 49
Views: 4637

Re: Larry Swedroe: Portfolio Pain Happens

I've been dollar cost averaging each month into my value funds
for the past 4 years & I think I've got some good buys. My
portfolio is way up from 4 years ago so I'm a happy camper...
by snarlyjack
Wed Aug 01, 2018 7:37 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett on buying & holding index funds
Replies: 11
Views: 2679

Re: Warren Buffett on buying & holding index funds

Thank You Rowan Oak...

(I looked around but could not find it).


The first 20 minutes of this video is perhaps Warren Buffett
best advice ever...Everyone should watch the first 20 minutes
of this video.

Thanks again Rowan OaK.

sj
by snarlyjack
Wed Aug 01, 2018 4:46 pm
Forum: Investing - Theory, News & General
Topic: How to diversify a dividend-yield portfolio
Replies: 21
Views: 1788

Re: How to diversify a dividend-yield portfolio

Hi spdoublebass, To answer your question Vanguard Large cap. value vs. VYM. When I first started with Vanguard I picked VYM because I thought I might need the dividends & I' am basically a dividend investor. Both are good funds... I love Warren Buffett & have read his articles, watched his videos & ...
by snarlyjack
Wed Aug 01, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: How to diversify a dividend-yield portfolio
Replies: 21
Views: 1788

Re: How to diversify a dividend-yield portfolio

Hi Sandtrap, (I love your posts by the way). Just to reiterate what Vineviz has posted. By combining a fairly low risk fund (VYM, high dividend yield index) with a higher risk fund (VOE, small cap value) it actually reduces your risk & has the potential to increase your returns substantially. See po...
by snarlyjack
Tue Jul 31, 2018 1:38 pm
Forum: Investing - Theory, News & General
Topic: How to diversify a dividend-yield portfolio
Replies: 21
Views: 1788

Re: How to diversify a dividend-yield portfolio

Vineviz, You seem to be the type of investor that would enjoy this analysis/study by Ibbotson. Enjoy...The Ibbotson Style Indices. https://corporate.morningstar.com/ib/documents/MethodologyDocuments/IBBAssociates/IbbotsonStyleIndices.pdf Paul Merriman "Decade Returns". https://paulmerriman.com/decad...
by snarlyjack
Tue Jul 31, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: Are millennials botching their asset allocations?
Replies: 41
Views: 3616

Re: Are millennial botching their asset allocations?

In my case the "stars all aligned"... I was just graduating with a B.S. Degree in Finance. My Mom died & I inherited some money. I found Bogleheads & started studying. I knew I had to get money smart. (About 4 years ago, I was 20 years old). I found the FIRE community (and it clicked) all at a very ...
by snarlyjack
Tue Jul 31, 2018 11:24 am
Forum: Investing - Theory, News & General
Topic: I desire above average results
Replies: 14
Views: 1815

Re: I desire above average results

mbasherp,

Welcome to Bogleheads…

Good for you. The secrets are here, read, read, read...
Everyone is different. My secrets are probably different
than yours. Enjoy the process, read & learn...Good Luck.
by snarlyjack
Tue Jul 31, 2018 11:10 am
Forum: Investing - Theory, News & General
Topic: Are millennials botching their asset allocations?
Replies: 41
Views: 3616

Re: Are millennial botching their asset allocations?

I' am a millennial (24 years old) & 100% equities. According to portfolio visualizer my 100% stock portfolio is on the efficient frontier. I think I had a lot of great Finance Professors & have read a lot of portfolio design studies & analysis...interesting stuff. P.S. I would see a "correction or b...
by snarlyjack
Tue Jul 31, 2018 12:05 am
Forum: Investing - Theory, News & General
Topic: How to diversify a dividend-yield portfolio
Replies: 21
Views: 1788

Re: How to diversify a dividend-yield portfolio

Vineviz, I have spent a lot of time studying Fama & French factors. The conclusion that I came to is were looking at the same info, only calling it different names. Fama & French call it value investing. Large blue cap value stocks & Small cap value stocks. My portfolio is: Vanguard High Dividend Yi...
by snarlyjack
Sun Jul 29, 2018 9:50 am
Forum: Investing - Theory, News & General
Topic: Adjusting portfolio due to illness
Replies: 4
Views: 492

Re: Adjusting portfolio due to illness

Simplesauce, We have talked about adjusting the portfolio due to illness here at Bogleheads. It's a very good conversation. My Mom died & I was the executor of her estate. In my portfolio I try to keep things very simple. I also limit the number of funds that I have & the number of banks that I use....
by snarlyjack
Sat Jul 28, 2018 11:27 am
Forum: Investing - Theory, News & General
Topic: Warren Buffett on buying & holding index funds
Replies: 11
Views: 2679

Re: Warren Buffett on buying & holding index funds

Imho, this is one of Warren Buffett best short video's...

Watch this video...

https://www.bing.com/videos/search?q=wa ... ORM=VRDGAR
by snarlyjack
Sat Jul 28, 2018 11:12 am
Forum: Investing - Theory, News & General
Topic: Warren Buffett on buying & holding index funds
Replies: 11
Views: 2679

Warren Buffett on buying & holding index funds

This is a great advice from Warren Buffett on buying &
holding index funds.

Enjoy...

https://www.bing.com/videos/search?q=wa ... ORM=VRDGAR
by snarlyjack
Wed Jul 25, 2018 7:12 pm
Forum: Investing - Theory, News & General
Topic: If financial markets shut down, temporarily...
Replies: 42
Views: 3015

Re: If financial markets shut down, temporarily...

psteinx, (History Lesson)...If you were to look at old price charts say 1928-1932. The people who could hang on & (buy) at the bottom (after a crash) did very, very good. I would be looking to buy the market, not buying guns, ammo or can goods. The real question is: how can you make money in a bad s...
by snarlyjack
Wed Jul 25, 2018 5:47 pm
Forum: Investing - Theory, News & General
Topic: What are the odds of someone with no experience to have a successful business?
Replies: 8
Views: 697

Re: What are the odds of someone with no experience to have a successful business?

I graduated from the University with a B.S. degree in Business Finance. After 5 years at the U & spending thousand's of $$$. I would say his chances are <10% success. (That's just a guess, it is probably less than <10%). The business world is very complex, their are many regulations especially in th...
by snarlyjack
Mon Jul 23, 2018 8:14 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Size Factor Not Dead
Replies: 46
Views: 4446

Re: Larry Swedroe: Size Factor Not Dead

Random Walker,

I've turned into a tilter.
Large Cap. Value, Medium Cap. Value, Small Cap. Value.
I' am a value investor (only I called it dividend investing) but
it's actually value investing...

Thanks for the articles...I'll read them...

sj
by snarlyjack
Mon Jul 23, 2018 8:09 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe Radio Interview
Replies: 19
Views: 1839

Re: Larry Swedroe Radio Interview

Larry,

This radio broadcast was excellent.

Thank You.

sj
by snarlyjack
Mon Jul 23, 2018 12:06 am
Forum: Investing - Theory, News & General
Topic: Does "Time in the Market" Heal All Portfolio Wounds?
Replies: 57
Views: 5643

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

While I cannot guarantee anything... Here is what Warren Buffett had to say about the USA & the Dow. Enjoy... https://www.bing.com/videos/search?q=warren+buffett+on+his+1+million+dow+statement&qpvt=warren+buffett+on+his+1+million+dow+statement&view=detail&mid=B0B745BEB8FD19B20D7FB0B745BEB8FD19B20D7F...
by snarlyjack
Sat Jul 21, 2018 12:10 am
Forum: Investing - Theory, News & General
Topic: Does "Time in the Market" Heal All Portfolio Wounds?
Replies: 57
Views: 5643

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

gmaynardkrebs, Nice meeting you (I've enjoyed your posts). Let me explain my post a bit differently. Market history demonstrates the enduring nature of capitalism. Studying price charts going back to 1928/1929 (and before) capitalism has functioned very favorably. Having not invested in a communist ...
by snarlyjack
Fri Jul 20, 2018 7:14 pm
Forum: Investing - Theory, News & General
Topic: Does "Time in the Market" Heal All Portfolio Wounds?
Replies: 57
Views: 5643

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

Capitalism works!

When you start talking about communist countries or socialistic countries
& their stock markets all bet's are off.

What makes the USA so great is it's a capitalistic country which is
way different than other countries. Look at the USA markets
vs. the other countries markets...
by snarlyjack
Fri Jul 20, 2018 3:04 pm
Forum: Investing - Theory, News & General
Topic: Index-ish fund that lacks FAANG?
Replies: 42
Views: 4044

Re: Index-ish fund that lacks FAANG?

AerialWombat,

Check out large Cap. Value Index's, Medium Cap.
Value Index's & Small Cap. Value Index's.
VHDYX
VMVAX
VSIAX
Excellent long term combination. All together they have
about 1500 value stocks, with low ER'S & all index funds.
by snarlyjack
Fri Jul 20, 2018 7:38 am
Forum: Investing - Theory, News & General
Topic: Does "Time in the Market" Heal All Portfolio Wounds?
Replies: 57
Views: 5643

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

Simple Gift, By the way...I like how you think :) Being a young guy (24 years old) I do not expect to take any long term losses (I have the time to wait it out). Now, the portfolio might take a short term paper loss. But over the course of 50 to 70 years I think my portfolio will do extremely good.....
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: 5778

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: 153
Views: 30579

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: 153
Views: 30579

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: 153
Views: 30579

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: 153
Views: 30579

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: 2164

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: 2510

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: 8924

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: 8924

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: 8924

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: 8924

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: 8924

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: 8924

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: 8924

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: 8924

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: 8924

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...