Search found 777 matches
- Sun Aug 05, 2018 1:06 pm
- Forum: Investing - Theory, News & General
- Topic: Will dividend spending only portfolio last forever ?
- Replies: 90
- Views: 8558
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 can figure the yield on cost from these figures). Now, look at VIG the dividend growth isn't nearly as strong as VYM,VOE or VBR. Who would have guessed that? If you go to morningstar & look at the dividend growth of these 4 funds, (VYM, VOE, VBR & VIG) it's very interesting. But keep in mind this is only 1 metric (data point). Their are other considerations that I use. Such as asset class, dividend level, types of companies, etc... Th...
- Sun Aug 05, 2018 9:28 am
- Forum: Investing - Theory, News & General
- Topic: Will dividend spending only portfolio last forever ?
- Replies: 90
- Views: 8558
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 other reasons. I' am managing $330,000.
& your thought experiment makes no sense, to me...
https://www.dividendgrowthinvestor.com/ ... ategy.html
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 other reasons. I' am managing $330,000.
& your thought experiment makes no sense, to me...
https://www.dividendgrowthinvestor.com/ ... ategy.html
- Sun Aug 05, 2018 8:45 am
- Forum: Investing - Theory, News & General
- Topic: Will dividend spending only portfolio last forever ?
- Replies: 90
- Views: 8558
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).
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).
- Sun Aug 05, 2018 8:30 am
- Forum: Investing - Theory, News & General
- Topic: Will dividend spending only portfolio last forever ?
- Replies: 90
- Views: 8558
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
you want to buy into a down market. This is what
makes it so powerful...
https://www.youtube.com/watch?v=cw979PB0A3Q
- Fri Aug 03, 2018 8:48 pm
- Forum: Investing - Theory, News & General
- Topic: Will dividend spending only portfolio last forever ?
- Replies: 90
- Views: 8558
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...
some people do it & some people don't.
I would suggest you get excited & start building yours.
Go for it...time waits for no one...
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...
some people do it & some people don't.
I would suggest you get excited & start building yours.
Go for it...time waits for no one...
- Fri Aug 03, 2018 7:56 pm
- Forum: Investing - Theory, News & General
- Topic: Will dividend spending only portfolio last forever ?
- Replies: 90
- Views: 8558
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 individual stock
portfolio's that I've studied are fairly small, compared with
1300 - 1400 stocks. Also, the %'s in the sectors are different.
The best we can do is go with what is provided us by Vanguard.
Unless you want to go the individual stock route which I do
not suggest (for a bunch of reasons). I' am very comfortable
with Vanguard & their funds. I feel well diversified.
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 individual stock
portfolio's that I've studied are fairly small, compared with
1300 - 1400 stocks. Also, the %'s in the sectors are different.
The best we can do is go with what is provided us by Vanguard.
Unless you want to go the individual stock route which I do
not suggest (for a bunch of reasons). I' am very comfortable
with Vanguard & their funds. I feel well diversified.
- Fri Aug 03, 2018 7:28 pm
- Forum: Investing - Theory, News & General
- Topic: Will dividend spending only portfolio last forever ?
- Replies: 90
- Views: 8558
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 than the S & P or TMS. The percentages are a "meaningful" amount. The overlap I have no control over. When I look at portfolio visualizer I can see a certain % of overlap. But, I still want Large Cap. Value, Mid Cap. Value & Small Cap. Value. Because of the history of the class I want them in a meaningful amount. I suppose I could get a super clean class through another mutual fund company but I really like Vanguard &am...
- Fri Aug 03, 2018 5:14 pm
- Forum: Investing - Theory, News & General
- Topic: Will dividend spending only portfolio last forever ?
- Replies: 90
- Views: 8558
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 & performance. VYM is one of the
top rated etf's in the USA according to Seeking Alpha.
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 & performance. VYM is one of the
top rated etf's in the USA according to Seeking Alpha.
- Fri Aug 03, 2018 3:08 pm
- Forum: Investing - Theory, News & General
- Topic: Will dividend spending only portfolio last forever ?
- Replies: 90
- Views: 8558
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 stocks.
4). Taxable account, Vanguard mid cap. value Index fund 200 stocks.
Total diversified stocks = 1700 stocks, mostly index funds except for 401K.
Let's look at some numbers for long term growth.
enjoy...
https://paulmerriman.com/decade-returns/
(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 stocks.
4). Taxable account, Vanguard mid cap. value Index fund 200 stocks.
Total diversified stocks = 1700 stocks, mostly index funds except for 401K.
Let's look at some numbers for long term growth.
enjoy...
https://paulmerriman.com/decade-returns/
- Fri Aug 03, 2018 2:22 pm
- Forum: Investing - Theory, News & General
- Topic: Will dividend spending only portfolio last forever ?
- Replies: 90
- Views: 8558
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
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
- Fri Aug 03, 2018 12:40 pm
- Forum: Investing - Theory, News & General
- Topic: Will dividend spending only portfolio last forever ?
- Replies: 90
- Views: 8558
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/
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/
- Fri Aug 03, 2018 11:50 am
- Forum: Investing - Theory, News & General
- Topic: Will dividend spending only portfolio last forever ?
- Replies: 90
- Views: 8558
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 growing. Yield on
cost is the hidden secret of dividend investing.
I wish I could have bought 30 years ago vs. today.
Compounding is the 8th wonder of the world...
(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 growing. Yield on
cost is the hidden secret of dividend investing.
I wish I could have bought 30 years ago vs. today.
Compounding is the 8th wonder of the world...
- Thu Aug 02, 2018 10:38 pm
- Forum: Investing - Theory, News & General
- Topic: Will dividend spending only portfolio last forever ?
- Replies: 90
- Views: 8558
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 within " a hair" of the S & P 500 & TSM funds. You can also sell shares of VHDYX just as easily as the S & P 500 or TSM fund. In other words you can convert the strategy to the 4% rule at any time (options). 3). If you look at the dividend growth rate of VHDYX,VMVAX & VSIAX (high dividend yield, Medium cap. value & small cap. value) the dividend growth rate is very strong. 4). If you have the time ( a long runway) (y...
- Wed Aug 01, 2018 7:50 pm
- Forum: Investing - Theory, News & General
- Topic: Larry Swedroe: Portfolio Pain Happens
- Replies: 49
- Views: 5713
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...
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...
- Wed Aug 01, 2018 7:37 pm
- Forum: Investing - Theory, News & General
- Topic: Warren Buffett on buying & holding index funds
- Replies: 11
- Views: 3534
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
(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
- Wed Aug 01, 2018 4:46 pm
- Forum: Investing - Theory, News & General
- Topic: How to diversify a dividend-yield portfolio
- Replies: 21
- Views: 3008
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 & read his book "The Snowball". I also like BRK. But, BRK doesn't pay a dividend. I like to get paid while I' am holding a stock...In the future BRK might change & pay a dividend. Your right High Dividend Yield is different than Vanguard Large Value. I think both would work just great (long term). I like dividends & my fund has substational gains in it & I don't want to pay any capital gain's tax moving things arou...
- Wed Aug 01, 2018 3:59 pm
- Forum: Investing - Theory, News & General
- Topic: How to diversify a dividend-yield portfolio
- Replies: 21
- Views: 3008
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 posted table of long term returns. Your graph went from 2008-2018 (10 years) which in the stock market is a relative short time period. The table of long term returns goes from 1930-2013 (83 years). The longer the time frame the more accurate the (probabilities of success) statistically speaking. What we want to do is put the odd's in our favor with long term investing. VYM has about 400 stocks. VBR has about 900 stocks. Total diversified stock...
- Tue Jul 31, 2018 1:38 pm
- Forum: Investing - Theory, News & General
- Topic: How to diversify a dividend-yield portfolio
- Replies: 21
- Views: 3008
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/do ... ndices.pdf
Paul Merriman "Decade Returns".
https://paulmerriman.com/decade-returns/
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/do ... ndices.pdf
Paul Merriman "Decade Returns".
https://paulmerriman.com/decade-returns/
- Tue Jul 31, 2018 12:33 pm
- Forum: Investing - Theory, News & General
- Topic: Are millennials botching their asset allocations?
- Replies: 68
- Views: 9168
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 young age. Being a poor student I lived
the poor student life. My living standard was very
low & I just kept it that way.
Then I discovered if I' am smart...I could FIRE in
about 12-15 years. That would make me 32 or 35
years old. I would have to be disciplined & smart.
I started reading & studying..."the stars were lining up"...
FIRE is possible...but you have to know what your doing.
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 young age. Being a poor student I lived
the poor student life. My living standard was very
low & I just kept it that way.
Then I discovered if I' am smart...I could FIRE in
about 12-15 years. That would make me 32 or 35
years old. I would have to be disciplined & smart.
I started reading & studying..."the stars were lining up"...
FIRE is possible...but you have to know what your doing.
- Tue Jul 31, 2018 11:24 am
- Forum: Investing - Theory, News & General
- Topic: I desire above average results
- Replies: 14
- Views: 2240
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.
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.
- Tue Jul 31, 2018 11:10 am
- Forum: Investing - Theory, News & General
- Topic: Are millennials botching their asset allocations?
- Replies: 68
- Views: 9168
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 bear market" as a
total buying opportunity. As a long term investor,
lower prices/higher dividend yield would totally
help me...
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 bear market" as a
total buying opportunity. As a long term investor,
lower prices/higher dividend yield would totally
help me...
- Tue Jul 31, 2018 12:05 am
- Forum: Investing - Theory, News & General
- Topic: How to diversify a dividend-yield portfolio
- Replies: 21
- Views: 3008
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 Yield Index (Large Value stocks). Vanguard Mid Cap Value Index (Mid Cap Value). Vanguard Small Cap Value Index (Small Cap Value). This is using Fama & French Factors & recommended by Paul Merriman, (except for mid cap value). What do I call it? Vanguard High Dividend Yield (high dividend yield). Vanguard Mid Cap Value, (medium dividend yield). Vanguard Small Cap Value (small dividend yield). What do they all have in common? Divi...
- Sun Jul 29, 2018 9:50 am
- Forum: Investing - Theory, News & General
- Topic: Adjusting portfolio due to illness
- Replies: 4
- Views: 736
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. My portfolio was built from day 1 with the
estate process in mind.
Here is a blog conversation that you might want to read (their are others).
viewtopic.php?f=10&t=247963&hilit=larry+swedroe
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. My portfolio was built from day 1 with the
estate process in mind.
Here is a blog conversation that you might want to read (their are others).
viewtopic.php?f=10&t=247963&hilit=larry+swedroe
- Sat Jul 28, 2018 11:27 am
- Forum: Investing - Theory, News & General
- Topic: Warren Buffett on buying & holding index funds
- Replies: 11
- Views: 3534
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
Watch this video...
https://www.bing.com/videos/search?q=wa ... ORM=VRDGAR
- Sat Jul 28, 2018 11:12 am
- Forum: Investing - Theory, News & General
- Topic: Warren Buffett on buying & holding index funds
- Replies: 11
- Views: 3534
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
holding index funds.
Enjoy...
https://www.bing.com/videos/search?q=wa ... ORM=VRDGAR
- Wed Jul 25, 2018 7:12 pm
- Forum: Investing - Theory, News & General
- Topic: If financial markets shut down, temporarily...
- Replies: 42
- Views: 4123
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 situation...(think 1940-1943) everyone
knew the USA would win the war, but who invested in a
down market (someone got rich)...
(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 situation...(think 1940-1943) everyone
knew the USA would win the war, but who invested in a
down market (someone got rich)...
- 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: 1096
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 $$$. I would say
his chances are <10% success. (That's just a guess, it is probably less
than <10%). The business world is very complex, their are many regulations
especially in the food & beverage industry. Not to mention the cost...
After 5 years at the U & spending thousand's of $$$. 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 the food & beverage industry. Not to mention the cost...
- Mon Jul 23, 2018 8:14 pm
- Forum: Investing - Theory, News & General
- Topic: Larry Swedroe: Size Factor Not Dead
- Replies: 46
- Views: 6437
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
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
- Mon Jul 23, 2018 8:09 pm
- Forum: Investing - Theory, News & General
- Topic: Larry Swedroe Radio Interview
- Replies: 19
- Views: 2450
Re: Larry Swedroe Radio Interview
Larry,
This radio broadcast was excellent.
Thank You.
sj
This radio broadcast was excellent.
Thank You.
sj
- 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: 7292
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=wa ... ORM=VRDGAR
Here is what Warren Buffett had to say about the USA & the Dow.
Enjoy...
https://www.bing.com/videos/search?q=wa ... ORM=VRDGAR
- 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: 7292
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 or socialistic country
or market, I'am not a expert in investing in them or
knowing how tradeable they are. I do know that Warren
Buffett said he invested in China. He also stated that the
ownership of the company was highly regulated by the
communist party...
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 or socialistic country
or market, I'am not a expert in investing in them or
knowing how tradeable they are. I do know that Warren
Buffett said he invested in China. He also stated that the
ownership of the company was highly regulated by the
communist party...
- 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: 7292
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...
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...
- Fri Jul 20, 2018 3:04 pm
- Forum: Investing - Theory, News & General
- Topic: Index-ish fund that lacks FAANG?
- Replies: 45
- Views: 6701
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.
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.
- 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: 7292
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...
To many people have short term expectations.
https://www.msn.com/en-us/money/compani ... spartandhp
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...
To many people have short term expectations.
https://www.msn.com/en-us/money/compani ... spartandhp
- Fri Jul 06, 2018 5:25 pm
- Forum: Investing - Theory, News & General
- Topic: The Worst U.S. Portfolio Disasters — A Historical Comparison
- Replies: 72
- Views: 10338
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 interesting
considering they were using a 60/40 balanced fund.
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 interesting
considering they were using a 60/40 balanced fund.
- Wed Jul 04, 2018 7:55 pm
- Forum: Investing - Theory, News & General
- Topic: How Do You Like My New 'Doo
- Replies: 445
- Views: 106055
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...
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...
- Wed Jul 04, 2018 7:33 pm
- Forum: Investing - Theory, News & General
- Topic: How Do You Like My New 'Doo
- Replies: 445
- Views: 106055
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 from their...start tweaking.
Get a really good handle on things before you start!
Know exactly what your doing & why.
Maybe some other Bogleheads would have some
other really good suggestions...
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 from their...start tweaking.
Get a really good handle on things before you start!
Know exactly what your doing & why.
Maybe some other Bogleheads would have some
other really good suggestions...
- Wed Jul 04, 2018 7:07 pm
- Forum: Investing - Theory, News & General
- Topic: How Do You Like My New 'Doo
- Replies: 445
- Views: 106055
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 producing assets. The tweak could
be fairly minor?
(My portfolio is throwing off about $10,000 a year
in dividends. But I built a income portfolio to fire with).
A 1 Million dollar portfolio could kick off $30,000.
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 producing assets. The tweak could
be fairly minor?
(My portfolio is throwing off about $10,000 a year
in dividends. But I built a income portfolio to fire with).
A 1 Million dollar portfolio could kick off $30,000.
- Wed Jul 04, 2018 6:28 pm
- Forum: Investing - Theory, News & General
- Topic: How Do You Like My New 'Doo
- Replies: 445
- Views: 106055
Re: How Do You Like My New 'Doo
Nedsaid,
Let me be the 1st person to wish you a Happy Birthday...
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 years to really put it together...
sj
Let me be the 1st person to wish you a Happy Birthday...
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 years to really put it together...
sj
- Tue Jul 03, 2018 8:59 pm
- Forum: Investing - Theory, News & General
- Topic: Small Cap Premium Is 5th Biggest In History
- Replies: 18
- Views: 2831
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...
It seems like when 1 is down the other is up. I can live with that...
- 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: 3385
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...
Thank you for posting the charts.
I thought they were interesting.
Both buybacks & dividends can significantly increase
shareholder returns. Together they are awesome...
- Mon Jul 02, 2018 3:06 pm
- Forum: Investing - Theory, News & General
- Topic: "homemade dividends" from Total Stock Market fund
- Replies: 135
- Views: 12262
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.
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.
- Mon Jul 02, 2018 9:50 am
- Forum: Investing - Theory, News & General
- Topic: "homemade dividends" from Total Stock Market fund
- Replies: 135
- Views: 12262
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 anniversary edition", Chapter 6, Jack Bogle talks about dividends. I have also shown you articles that Jack Bogle has written about dividends. I have shown you reports (white papers) written by PHD. level University Papers & Studies. I have shown you reports by CPA's, I have shown you reports by Brokerage Firms with analysis & graphs. I have shown you videos by expert investors, for example Kevin O' Leary. The list goes on... Imho...
- Mon Jul 02, 2018 1:21 am
- Forum: Investing - Theory, News & General
- Topic: "homemade dividends" from Total Stock Market fund
- Replies: 135
- Views: 12262
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 their are some other ways. Dividends being 1 way, flexible withdrawal strategies is another way. I was trying to be opened minded and tell him their are other ways & show him some articles from CPA's that have run the numbers & studied it. My personal opinion is (as I stated up stream) is it depends on your portfolio size. If you have a huge portfolio you can use whatever method you want. People with smaller portfolios have more limite...
- Mon Jul 02, 2018 12:58 am
- Forum: Investing - Theory, News & General
- Topic: "homemade dividends" from Total Stock Market fund
- Replies: 135
- Views: 12262
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 the greatest...he knows what he is doing.
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 the greatest...he knows what he is doing.
- Mon Jul 02, 2018 12:43 am
- Forum: Investing - Theory, News & General
- Topic: "homemade dividends" from Total Stock Market fund
- Replies: 135
- Views: 12262
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 investor.
(good night from Montana...)
https://www.cnbc.com/2015/02/09/heres-h ... rtune.html
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 investor.
(good night from Montana...)
https://www.cnbc.com/2015/02/09/heres-h ... rtune.html
- Mon Jul 02, 2018 12:00 am
- Forum: Investing - Theory, News & General
- Topic: "homemade dividends" from Total Stock Market fund
- Replies: 135
- Views: 12262
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 should I believe your expertise?
The articles speak for themselves. I did not write the articles
however a CPA did. Who am I to believe?...
(I' am going to bed...).
T.
Ok...I'll take you at your word.
Why should I believe your expertise?
The articles speak for themselves. I did not write the articles
however a CPA did. Who am I to believe?...
(I' am going to bed...).
- Sun Jul 01, 2018 7:31 pm
- Forum: Investing - Theory, News & General
- Topic: "homemade dividends" from Total Stock Market fund
- Replies: 135
- Views: 12262
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 payout. What more do you want to me say? I do not wish to tell/suggest to the OP which fund he should invest in. All I can say is read, read, read... I & other Boglehead posters have supplied (lot's) of studies on the dividend strategy. Jack Bogle has mentioned the strategy. Their have been University research papers. Brokerage papers. It is a very well known & researched strategy. This isn't a strategy that I dreamed up, it's well docume...
- Sun Jul 01, 2018 6:38 pm
- Forum: Investing - Theory, News & General
- Topic: "homemade dividends" from Total Stock Market fund
- Replies: 135
- Views: 12262
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.
Although I do like value funds & dividend paying funds. How
someone invest their money is up to them.
Once again, I just just sharing the source of the articles.
I' am very transparent. I have no ulterior motives. I was just
sharing educational information.
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.
Although I do like value funds & dividend paying funds. How
someone invest their money is up to them.
Once again, I just just sharing the source of the articles.
I' am very transparent. I have no ulterior motives. I was just
sharing educational information.
- Sun Jul 01, 2018 6:30 pm
- Forum: Investing - Theory, News & General
- Topic: "homemade dividends" from Total Stock Market fund
- Replies: 135
- Views: 12262
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 that we can. The old medical phrase of "do no harm" comes to mind. I try my best to give the best advice that I can. I try to keep an open mind knowing we are dealing with the market & moving target. I also believe the more information a person has the better. Their are some excellent articles that I have posted to increase people's information level. I have never told anyone what they should do or invest in. However, I have sh...