Search found 576 matches

by snarlyjack
Thu Jan 25, 2018 7:59 pm
Forum: Investing - Theory, News & General
Topic: [Early Retirement Now: How much of a Random Walk is the Stock Market?]
Replies: 5
Views: 970

Re: [Early Retirement Now: How much of a Random Walk is the Stock Market?]

Another great article from MMM (Mr. Money Mustache).

The #1 method to early retirement.

"The shockingly simple math behind early retirement".

Enjoy...

http://www.mrmoneymustache.com/2012/01/ ... etirement/
by snarlyjack
Thu Jan 25, 2018 7:39 pm
Forum: Investing - Theory, News & General
Topic: In what ways could BogleHeads be badly wrong ?
Replies: 237
Views: 20630

Re: In what ways could BogleHeads be badly wrong ?

This is the #1 method to success. :beer

"The shockingly simple math behind early retirement".

Enjoy this article...

http://www.mrmoneymustache.com/2012/01/ ... etirement/
by snarlyjack
Thu Jan 25, 2018 4:23 pm
Forum: Investing - Theory, News & General
Topic: [Early Retirement Now: How much of a Random Walk is the Stock Market?]
Replies: 5
Views: 970

[Early Retirement Now: How much of a Random Walk is the Stock Market?]

Another excellent article by Dr. ERN (Early Retirement Now).
Dr. ERN has a PHD in Economics & does retirement studies.

How much of a random walk is the stock market. (Excellent Article).

https://earlyretirementnow.com/2018/01/24/random-walk/
by snarlyjack
Mon Jan 22, 2018 11:00 am
Forum: Investing - Theory, News & General
Topic: jlcollinsnh - Stock Series
Replies: 9
Views: 1053

Re: jlcollinsnh - Stock Series

Rowan, Your learning. Way to go... John Collins is awesome. If you really study what he is doing. 1 fund (TSM) very low ER .04 2 funds at the most (Total Bond Fund). AA of 100 or 90/10, or 80/20. That's all a person really needs. Super efficient, low ER, just keep investing (good time's & bad times)...
by snarlyjack
Sun Jan 21, 2018 11:18 am
Forum: Investing - Theory, News & General
Topic: "Why Simple Beats Complex"
Replies: 14
Views: 2513

Re: "Why Simple Beats Complex"

In follow up to my thinking on my own account.

Maybe a investor needs 3 huge funds not
10 smaller funds, (Like the 3 fund portfolio).

Which is better...1 large Battleship or 10 smaller Boats?
Same amount of money but positioned differently...
by snarlyjack
Sun Jan 21, 2018 11:01 am
Forum: Investing - Theory, News & General
Topic: "Why Simple Beats Complex"
Replies: 14
Views: 2513

Re: "Why Simple Beats Complex"

Thanks Rowan,

I believe "Simple Beats Complex".

Another article I just read is "Go Deeper Not Wider".
Which is another interesting article.

Maybe investor's need to go "Simple & Deep" ?

Enjoy this article...

http://www.raptitude.com/2017/12/go-deeper-not-wider/
by snarlyjack
Fri Jan 19, 2018 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Can You Say...Auto Insurance
Replies: 36
Views: 2717

Re: Can You Say...Auto Insurance

Update, I thought to myself who do I really like... Warren Buffet & Berkshire Hathaway came to my mind. I own a small part of Berkshire Hathaway in my TSM fund. Might as well profit on my own policy. I switched all my insurance to Geico. I ended up with better coverages 300/300/100 for less than I w...
by snarlyjack
Fri Jan 19, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Can You Say...Auto Insurance
Replies: 36
Views: 2717

Can You Say...Auto Insurance

I have pretty good coverages 100/300/50 to protect myself & my assets in case of a accident. I' am even thinking of a umbrella policy. The problem is my premiums keep going up with my big national company. I just received in the mail yesterday my renewal notice. From what I can tell the premium is g...
by snarlyjack
Wed Jan 17, 2018 4:37 pm
Forum: Investing - Theory, News & General
Topic: 10 Lessons from 10 safe withdrawal rate case studies
Replies: 3
Views: 1107

10 Lessons from 10 safe withdrawal rate case studies

Here is the latest/current lessons from 10 safe withdrawal rate case studies. Dr. ERN has a PHD. in Economics & has done a lot of mathematical stimulations on the "safe withdrawal rates" & asset allocation. Enjoy, Early Retirement Now... https://earlyretirementnow.com/2018/01/17/ten-lessons-from-ten...
by snarlyjack
Wed Jan 17, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: A question that keeps coming to my head
Replies: 13
Views: 1152

Re: A question that keeps coming to my head

Hi Wec,

Welcome to Bogleheads.

It's all about the ER (expense ratio) of the portfolio.
(study ER in the wiki).

In your example I would pick option #1.
My portfolio has:
1). Roth IRA...1 fund.
2). Roth 401K...1 fund
3). Taxable Account...1 fund.
My ER cost's are super low.
Hope I helped you.
by snarlyjack
Tue Jan 16, 2018 7:00 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 4631

Re: Anyone pondering moving to a cheaper place and downsizing?

Rob in cal,

Welcome to Bogleheads.

What a interesting thought...

This article has your name written all over it.

Enjoy...

http://www.mrfreeat33.com/can-you-retir ... th-200000/
by snarlyjack
Sun Jan 14, 2018 10:40 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 212
Views: 18780

Re: Dividends vs. Capital Gains for Spending Needs?

Pdub, Welcome to Bogleheads & nice meeting you. This is how I understand your question. If you have a large enough portfolio where you can live off your portfolio (dividends & interest) that's the way to go. If your portfolio isn't quite as large, where you don't have enough to live off dividends & ...
by snarlyjack
Sun Jan 14, 2018 7:10 pm
Forum: Investing - Theory, News & General
Topic: Profiles Of Some Successful Investors
Replies: 26
Views: 3638

Re: Profiles Of Some Successful Investors

Randomguy, I agree with you. However, in our defense...you can't be a super successful investor if you can't visualize it or know what it looks like. It's called "Motivation". Crystalize your goals & go for it. People would be more successful if they could see it & become really motivated. Yes it is...
by snarlyjack
Sun Jan 14, 2018 5:00 pm
Forum: Investing - Theory, News & General
Topic: Profiles Of Some Successful Investors
Replies: 26
Views: 3638

Re: Profiles Of Some Successful Investors

Stemikger, Here are some more "Secret Millionaires" for us to study. I think this study is very important & interesting. What do they know that we don't? (If you want to be successful...what does successful look like). Enjoy this list of Secret Millionaires... https://www.joshuakennon.com/?s=secret+...
by snarlyjack
Sun Jan 14, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 212
Views: 18780

Re: Dividends vs. Capital Gains for Spending Needs?

Katon,

Welcome to Bogleheads...from Israel.

Their is a thread running now that might help you.

Enjoy...

viewtopic.php?f=10&t=237611
by snarlyjack
Sat Jan 13, 2018 11:56 am
Forum: Investing - Theory, News & General
Topic: Profiles Of Some Successful Investors
Replies: 26
Views: 3638

Re: Profiles Of Some Successful Investors

Stemikger, These rich Royals are not secret millionaires, however... (I also studied the "Royals" to see how they were investing) very interesting. From what I could tell, the Royals need money to support their lifestyles & their dynasties. They started investing in companies generations ago that th...
by snarlyjack
Sat Jan 13, 2018 12:24 am
Forum: Investing - Help with Personal Investments
Topic: 21 Year Old Portfolio
Replies: 9
Views: 1040

Re: 21 Year Old Portfolio

Hello Calilivin, Welcome to Bogleheads. You & I are about the same age (I' am 23 years old). When I first started investing I read John Collins stock series. Excellent information...it will answer all of your questions. So 1st things 1st...read John Collins stock series then if you have any more que...
by snarlyjack
Fri Jan 12, 2018 2:41 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '8% rule' - Where are they now?
Replies: 40
Views: 6637

Re: Year 2000 retirees using the '8% rule' - Where are they now?

I feel very fortunate having found Bogleheads. When I started studying investing. My 1st question was what kind of portfolio do I want? My 2nd question was how do I get the money out? My 3rd question was can I live off of the portfolio someday? With the help of the Bogleheads & research (reading the...
by snarlyjack
Fri Jan 12, 2018 12:00 pm
Forum: Investing - Theory, News & General
Topic: Profiles Of Some Successful Investors
Replies: 26
Views: 3638

Re: Profiles Of Some Successful Investors

Here are some more "secret millionaires" for your reading enjoyment. Towards the bottom just highlight the name to learn more about them. $188,000,000. How did you do that Jack Macdonald? Congrats... The real question is: What can we learn from them? Enjoy... https://www.joshuakennon.com/add-jack-ma...
by snarlyjack
Thu Jan 11, 2018 11:09 pm
Forum: Investing - Theory, News & General
Topic: Profiles Of Some Successful Investors
Replies: 26
Views: 3638

Re: Profiles Of Some Successful Investors

Thank You Nedsaid, What happened is when I started studying the "Millionaire Next Door" type of investors & "Secret Millionaires" I found out this is the strategy they were all using. A lot of these investors are getting pretty old now, but damn they made a ton of money (Millions). But, your right i...
by snarlyjack
Thu Jan 11, 2018 12:43 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 354
Views: 35051

Re: Year 2000 retirees using the '4% rule' - Where are they now?

MSK, Thank you for your response & help. This article is for you & your children. It is very interesting. As your reading the article if you highlight the individual investor's you can read about them & how they made their millions. Enjoy the article & thank you once again for your help & knowledge....
by snarlyjack
Thu Jan 11, 2018 12:35 pm
Forum: Investing - Theory, News & General
Topic: Profiles Of Some Successful Investors
Replies: 26
Views: 3638

Profiles Of Some Successful Investors

Profiles Of Some Successful Investors.

Very interesting read.
As you read through the article if you highlight
the individual investors you can read about them
& how they made their millions.

Enjoy...

http://www.dividendgrowthinvestor.com/2 ... idend.html
by snarlyjack
Wed Jan 10, 2018 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Retirement Portfolio
Replies: 9
Views: 826

Re: Help with Retirement Portfolio

Ilikesparklers, Welcome to Bogleheads. I' am a young guy also, trying to set myself up to retire early (FIRE) as quickly & efficient as possible. To give you a example: I have 3 funds. 1 Roth IRA fund. 1 Roth 401K fund. 1 Taxable Account fund. Because of the ER's (expense ratio's) the more efficient...
by snarlyjack
Wed Jan 10, 2018 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Optimizing asset allocation between self & mother
Replies: 3
Views: 263

Re: Optimizing asset allocation between self & mother

Bongleur, Welcome to Bogleheads. (I guess with 2060 posts your not new to Bogleheads). If I were you...(since your going to inherit the portfolio). I would set the AA to how you & your wife would like your AA to be (say 60/40). I say this because time in the market is more important than timing the ...
by snarlyjack
Wed Jan 10, 2018 4:38 pm
Forum: Investing - Theory, News & General
Topic: Why are 401k ROTH rare?
Replies: 11
Views: 1269

Re: Why are 401k ROTH rare?

I contribute to my employers Roth 401K. (I would rather pay the taxes now...than later) (My tax rate is really low) & (will probably go up in the future). How it works is, I contribute to the Roth 401K (5% of total pay). Then my employer matches 80% of my 5% into the regular 401K so my employer can ...
by snarlyjack
Wed Jan 10, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 354
Views: 35051

Re: Year 2000 retirees using the '4% rule' - Where are they now?

Thank You Willthrill,

That's what I think also...
by snarlyjack
Wed Jan 10, 2018 12:29 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 354
Views: 35051

Re: Year 2000 retirees using the '4% rule' - Where are they now?

MSK, Thank you for your response. The reason I asked is: I' am a young guy (23 years old) that is 100% stocks. No pension, however I do have a matching 401K plan. I have built up my portfolio to $300,000. with the help of the Bogleheads. I have thought about bonds but at age 23 I think they would ju...
by snarlyjack
Tue Jan 09, 2018 8:09 am
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 354
Views: 35051

Re: Year 2000 retirees using the '4% rule' - Where are they now?

Willthrill, The problem I have with this whole conversation is: I' am 23 years old. My mortality is age 100 - age 23 = 77 more years. I cannot wrap my head around the 4% Trinity (guideline) of selling off my portfolio & making it last 40, 50, 60 years & then be able to pass down wealth to my childre...
by snarlyjack
Tue Jan 09, 2018 7:54 am
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 354
Views: 35051

Re: Year 2000 retirees using the '4% rule' - Where are they now?

MSK, Your post was very interesting...thank you. 1 Question: Would you have been able to do the same if you didn't have a pension paying (only 56% of your job income)? As you know pensions are going away (lucky for you that you received one). If you removed the pension how would a 100% stock fund tr...
by snarlyjack
Mon Jan 08, 2018 8:37 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 176
Views: 18678

Re: What's your asset allocation and why?

Age 23. 100% invested in stocks.
It's very long term growth of investments.
I feel at my age I do not need bonds. However,
I do have 10% cash/cd's in case of a emergency.
by snarlyjack
Mon Jan 08, 2018 8:32 pm
Forum: Investing - Theory, News & General
Topic: Living on Dividends and Interest
Replies: 58
Views: 7459

Re: Living on Dividends and Interest

Skime, Hello & welcome to Bogleheads. When I started investing, I did a study of the most successful investors I could find on the internet. (The idea being what are super successful investors doing)? Most (not all) of the most successful investors I could find ($Millionaires) were all invested with...
by snarlyjack
Mon Jan 08, 2018 8:20 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 354
Views: 35051

Re: Year 2000 retirees using the '4% rule' - Where are they now?

Willthrill,

In the calculations (assuming a person starts withdrawing at age 60 &
it's now 30 years later, age 90) is their any money left?

I would think this number would be important also?
by snarlyjack
Fri Jan 05, 2018 4:26 pm
Forum: Investing - Theory, News & General
Topic: "The Boglehead Philosophy"
Replies: 8
Views: 902

Re: "The Boglehead Philosophy"

Taylor, Your no fun at all... I love talking with people who... 1). Have no plan. 2). Didn't invest early & often. 3). And now their going to market time to reduce their sequence of risk... 4). Have no idea what their doing. 5). The list could go on & on... Your not letting me have any fun at all. T...
by snarlyjack
Fri Jan 05, 2018 7:46 am
Forum: Investing - Theory, News & General
Topic: Hypothetical question: Will a man who lives forever own the world?
Replies: 23
Views: 1649

Re: Hypothetical question: Will a man who lives forever own the world?

Yes, I think they will. For example when my Mom died I was 20 years old. I inherited $250,000. If you invest it all in the Total Stock Market & average 8% growth for 80 years (age 100) & invest $2,000 a month you end up with $265 Million Dollars. Nothing fancy...the 8Th wonder of the world is compou...
by snarlyjack
Thu Jan 04, 2018 3:20 pm
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 27187

Re: Hitting The Sell Button

I' am one of those 100% stock investors. Over 25,000 on the Dow today. However, I' am so young (23 years old) that I just can't see going into bonds at all at my age. I DCA (dollar cost average) every payday. Just letting the whole portfolio "float" in the market. I have years to go before retiremen...
by snarlyjack
Wed Jan 03, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 144
Views: 8760

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

2892.058

Looking for a positive year.
by snarlyjack
Wed Jan 03, 2018 2:08 pm
Forum: Investing - Theory, News & General
Topic: "Reducing sequence risk using trend following and the CAPE ratio" by Clare et al.
Replies: 56
Views: 3667

Re: "Reducing sequence risk using trend following and the CAPE ratio" by Clare et al.

I think we are making progress... First of all a investor would want to do this (market timing) in a IRA with a limited amount of money. I have always said if you have $5,000. & want to play around, go for it. Doing it for the whole portfolio would be very questionable. The real question is: What's ...
by snarlyjack
Wed Jan 03, 2018 12:41 pm
Forum: Investing - Theory, News & General
Topic: "Reducing sequence risk using trend following and the CAPE ratio" by Clare et al.
Replies: 56
Views: 3667

Re: "Reducing sequence risk using trend following and the CAPE ratio" by Clare et al.

DallasGuy, (I' am at work on a slow snowy day). Sorry, let's take a step back & think through this... 1st of all I have a B.S. Degree in Finance & have studied market timing. I have looked at & studied timing the stock market & forex (currency's) & commodities. Most of the money managers (fund manag...
by snarlyjack
Wed Jan 03, 2018 10:28 am
Forum: Investing - Theory, News & General
Topic: "Reducing sequence risk using trend following and the CAPE ratio" by Clare et al.
Replies: 56
Views: 3667

Re: "Reducing sequence risk using trend following and the CAPE ratio" by Clare et al.

DallasGuy, (I' am on my way to work). You be sure to show your graphs to all the dividend investors that have made $Millions of dollars & are living off of their dividends. For every graph that you show, I can pick another graph or article to disprove your theory. Now, I do agree that the 4% guideli...
by snarlyjack
Wed Jan 03, 2018 8:43 am
Forum: Investing - Theory, News & General
Topic: Visual of what the top companies in our TSM make per second...
Replies: 2
Views: 293

Re: Visual of what the top companies in our TSM make per second...

CyclingDue,

I enjoyed the graph.
Thank you for posting it.
(If one could just buy those 25 companies it would be interesting).
by snarlyjack
Wed Jan 03, 2018 7:45 am
Forum: Investing - Theory, News & General
Topic: Talk me out of a 60/40 AA
Replies: 76
Views: 8373

Re: Talk me out of a 60/40 AA

nasrullah,

Nice meeting you & welcome to Bogleheads.

Here is a interesting article with studies/numbers that
you might find interesting.

Enjoy & good luck.

https://earlyretirementnow.com/2017/09/ ... lidepaths/
by snarlyjack
Wed Jan 03, 2018 7:38 am
Forum: Investing - Theory, News & General
Topic: Stocks for the Long Run by Jeremy Siegel
Replies: 11
Views: 1684

Re: Stocks for the Long Run by Jeremy Siegel

bobcat2,

I totality agree with your post. Thank you for posting
Professor Siegel quotes (especially the DC plans quote).
Everyone I know is interested in the income...
by snarlyjack
Tue Jan 02, 2018 5:30 pm
Forum: Investing - Theory, News & General
Topic: "Reducing sequence risk using trend following and the CAPE ratio" by Clare et al.
Replies: 56
Views: 3667

Re: "Reducing sequence risk using trend following and the CAPE ratio" by Clare et al.

This is the stock series that Taylor has recommended at Bogleheads. The author John Collins was written a excellent stock market series using Vanguard Funds. I would suggest everyone read this series. This might help some people see some light at the end of the tunnel. Enjoy... http://jlcollinsnh.co...
by snarlyjack
Mon Jan 01, 2018 8:58 pm
Forum: Investing - Theory, News & General
Topic: How Do You Like My New 'Doo
Replies: 138
Views: 27165

Re: How Do You Like My New 'Doo

Nedsaid, Just to play "devils advocate". The All World Stock Index Fund & International Index Fund do not pay qualified quarterly dividends. Most International Funds don't pay a quartely dividend. That's what I don't like about the Life Strategy 80/20 & 60/40 funds. It's hard to live on dividends if...
by snarlyjack
Mon Jan 01, 2018 8:26 pm
Forum: Investing - Theory, News & General
Topic: How Do You Like My New 'Doo
Replies: 138
Views: 27165

Re: How Do You Like My New 'Doo

Nedsaid, Since were analyzing our portfolio's. Someone (sorry, can't remember who) has a saying on the bottom of their screen that say's "you simply do not need 8 funds in your portfolio". I love that saying... Having said that, you know what would be perfect for you? Ready, Set, Go... The Vanguard ...
by snarlyjack
Mon Jan 01, 2018 4:40 pm
Forum: Investing - Theory, News & General
Topic: How Do You Like My New 'Doo
Replies: 138
Views: 27165

Re: How Do You Like My New 'Doo

Nedsaid, When I started to study investing I watched all of Kevin O'Leary videos on investing (He is a dividend investor). He said a couple of things that I thought were pretty interesting. 1). With dividend paying stocks they pay you to sit in the weeds & wait. 2). Once you have acquired your stock...
by snarlyjack
Mon Jan 01, 2018 3:36 pm
Forum: Investing - Theory, News & General
Topic: "Reducing sequence risk using trend following and the CAPE ratio" by Clare et al.
Replies: 56
Views: 3667

Re: "Reducing sequence risk using trend following and the CAPE ratio" by Clare et al.

I don't know what you guy's are talking about? In my situation I' am 23 years old & have $300,000. in VHDYX. Let's figure it out: At age 65 I could very easily have a $10 Million portfolio. Let's say VHDYX is paying a 3% dividend = $300,000. per year in qualified dividends with no capital gains. Let...
by snarlyjack
Mon Jan 01, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: "Reducing sequence risk using trend following and the CAPE ratio" by Clare et al.
Replies: 56
Views: 3667

Re: "Reducing sequence risk using trend following and the CAPE ratio" by Clare et al.

Willthrill81, Ok...I'll bite. (Just because today is a holiday & I' am sitting here watching football games). First of all that isn't what "Sequence of Risk" is about at all. I suggest you read part 1-23 & really get a handle on sequence of risk. https://earlyretirementnow.com/2016/12/07/the-ultimat...
by snarlyjack
Mon Jan 01, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: How Do You Like My New 'Doo
Replies: 138
Views: 27165

Re: How Do You Like My New 'Doo

Good Morning Nedsaid,

It's New Years Day, 1-1-2018.
(New Year, New Opportunities).

Here is a article that I thought you might enjoy.
(What I like about Bogleheads is a person can get some excellent ideas).

Enjoy.

https://www.suredividend.com/challengin ... -year-bet/