Search found 1421 matches

by gilgamesh
Sun May 19, 2019 9:00 am
Forum: Investing - Theory, News & General
Topic: Dividends almost Doubled between 2013 and now
Replies: 80
Views: 5224

Re: Dividends almost Doubled between 2013 and now

:arrow: To me, regular dividends force a company to keep performing well , which buybacks do not. As some have already mentioned that companies are loathe to cut dividends and the big name dividend aristocrats actually take pride in increasing dividends every year. Buybacks can be decreased anytime...
by gilgamesh
Thu May 16, 2019 4:44 pm
Forum: Investing - Theory, News & General
Topic: Dividends almost Doubled between 2013 and now
Replies: 80
Views: 5224

Re: Dividends almost Doubled between 2013 and now

To me, regular dividends force a company to keep performing well , which buybacks do not. As some have already mentioned that companies are loathe to cut dividends and the big name dividend aristocrats actually take pride in increasing dividends every year. Buybacks can be decreased anytime without...
by gilgamesh
Thu May 16, 2019 4:20 pm
Forum: Investing - Theory, News & General
Topic: Did you buy the 600+ dip last week ?
Replies: 126
Views: 7423

Re: Did you buy the 600+ dip last week ?

...All I was saying is, we invest in stocks assuming, given enough time we will have a positive return. Definitely. Anyone who asserts the contrary should be lashed with wet noodles... All I was saying is, we invest in stocks assuming, given enough time we will have a positive return. I assume that...
by gilgamesh
Thu May 16, 2019 3:47 pm
Forum: Investing - Theory, News & General
Topic: Did you buy the 600+ dip last week ?
Replies: 126
Views: 7423

Re: Did you buy the 600+ dip last week ?

This poster does not speak for me. PJW Lol!, fair enough...please elaborate. So, do you not invest in stocks? Thank you for the predictable, and passive-aggressive, response. Fortunately, I know the answer. Forty percent of my portfolio is in equities. I am a satisficer, not a maximizer. Far too ma...
by gilgamesh
Thu May 16, 2019 3:24 pm
Forum: Investing - Theory, News & General
Topic: Did you buy the 600+ dip last week ?
Replies: 126
Views: 7423

Re: Did you buy the 600+ dip last week ?

... All of these depend on stocks going up to its original amount - given enough time frame, we all assume that . This poster does not speak for me. PJW Lol!, fair enough...please elaborate. So, do you not invest in stocks? Thank you for the predictable, and passive-aggressive, response. Fortunatel...
by gilgamesh
Thu May 16, 2019 3:02 pm
Forum: Investing - Theory, News & General
Topic: Did you buy the 600+ dip last week ?
Replies: 126
Views: 7423

Re: Did you buy the 600+ dip last week ?

Phineas J. Whoopee wrote:
Thu May 16, 2019 2:45 pm
gilgamesh wrote:
Thu May 16, 2019 8:14 am
...
All of these depend on stocks going up to its original amount - given enough time frame, we all assume that.
This poster does not speak for me.

PJW
Lol!, fair enough...please elaborate.

So, do you not invest in stocks?
by gilgamesh
Thu May 16, 2019 1:12 pm
Forum: Investing - Theory, News & General
Topic: We’ve won the game...but how do we stop playing?
Replies: 72
Views: 6634

Re: We’ve won the game...but how do we stop playing?

Hi all. I love William Bernstein’s quote “ If you’ve won the game, stop playing .” But here is the issue: My grandmother has held seceral sector funds at Vanguard for decades (Healthcare, etc.) She has done extraordinarily well over many many years. (She has a very low portion in bonds. She is prob...
by gilgamesh
Thu May 16, 2019 1:12 pm
Forum: Investing - Theory, News & General
Topic: We’ve won the game...but how do we stop playing?
Replies: 72
Views: 6634

Re: We’ve won the game...but how do we stop playing?

alpenglow wrote:
Thu May 16, 2019 1:06 pm
I'd just leave it alone. Respect her wishes and be thankful for what you might inherit with stepped up basis.
This will be my advice to OP as well.
by gilgamesh
Thu May 16, 2019 1:09 pm
Forum: Investing - Theory, News & General
Topic: We’ve won the game...but how do we stop playing?
Replies: 72
Views: 6634

Re: We’ve won the game...but how do we stop playing?

Hi all. I love William Bernstein’s quote “ If you’ve won the game, stop playing .” But here is the issue: My grandmother has held seceral sector funds at Vanguard for decades (Healthcare, etc.) She has done extraordinarily well over many many years. (She has a very low portion in bonds. She is prob...
by gilgamesh
Thu May 16, 2019 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Do you reward yourself for achieving a financial goal?
Replies: 106
Views: 6040

Re: Do you reward yourself for achieving a financial goal?

Hi, Like the title says, did you ever buy luxury for as a reward? Like a nice rolex when reaching 250000 net worth or a new BMW at 500000 or something like that? Rewarding myself and financial milestones are not related...I have a retirement plan, I already have a Rolex and Porsche for almost 16 ye...
by gilgamesh
Thu May 16, 2019 8:51 am
Forum: Investing - Theory, News & General
Topic: Did you buy the 600+ dip last week ?
Replies: 126
Views: 7423

Re: Did you buy the 600+ dip last week ?

...I think that’s ok...but it’s good to make aware of the full implication. It’s so easy to fall into the trap of ‘buying the dip’ and not having a full understanding. Some might be holding on to cash thinking they want to buy the stock that’s $1 to buy at $0.98, and when it actually reaches $0.98,...
by gilgamesh
Thu May 16, 2019 8:14 am
Forum: Investing - Theory, News & General
Topic: Did you buy the 600+ dip last week ?
Replies: 126
Views: 7423

Re: Did you buy the 600+ dip last week ?

When the market drops 15% I will do a Roth conversation. In Dec, I did one and felt it was a way to come out a head. I'm at 12% tax I exchanges my Ira S&P to My Roth S&P. About $30000. I have 4 years to 70 and I can see a real tax bite coming my way. :sharebeer I am not sure I understand . How does...
by gilgamesh
Thu May 16, 2019 8:10 am
Forum: Investing - Theory, News & General
Topic: Did you buy the 600+ dip last week ?
Replies: 126
Views: 7423

Re: Did you buy the 600+ dip last week ?

When the market drops 15% I will do a Roth conversation. In Dec, I did one and felt it was a way to come out a head. I'm at 12% tax I exchanges my Ira S&P to My Roth S&P. About $30000. I have 4 years to 70 and I can see a real tax bite coming my way. :sharebeer Even if you just switch between S&P 5...
by gilgamesh
Thu May 16, 2019 7:54 am
Forum: Investing - Theory, News & General
Topic: Dividends almost Doubled between 2013 and now
Replies: 80
Views: 5224

Re: Dividends almost Doubled between 2013 and now

Are you saying all dividend companies already knows their profit, what they need for re-investing years in advance and pays out some of the difference in dividends? “Know” might be a tad strong, since none of us “know” the future. But otherwise, yes, this is what companies do. They evaluate their g...
by gilgamesh
Thu May 16, 2019 7:48 am
Forum: Investing - Theory, News & General
Topic: Did you buy the 600+ dip last week ?
Replies: 126
Views: 7423

Re: Did you buy the 600+ dip last week ?

If you put in a large enough amount , it will make a difference but I do not want to take that much risk What is(are) the risk(s) you are taking? Risk of losing money if Market keeps dropping ; risk of deviating from my preferred asset allocation of 65:35 The second risk is the issue in your case. ...
by gilgamesh
Thu May 16, 2019 7:16 am
Forum: Investing - Theory, News & General
Topic: Did you buy the 600+ dip last week ?
Replies: 126
Views: 7423

Re: Did you buy the 600+ dip last week ?

It's percentages, not points that matter. You're not sure if buying on the dip makes a difference? If it does make a difference, why? If it doesn't make a difference, why? If you put in a large enough amount , it will make a difference but I do not want to take that much risk What is(are) the risk(...
by gilgamesh
Thu May 16, 2019 6:52 am
Forum: Investing - Theory, News & General
Topic: Did you buy the 600+ dip last week ?
Replies: 126
Views: 7423

Re: Did you buy the 600+ dip last week ?

It's percentages, not points that matter. You're not sure if buying on the dip makes a difference? If it does make a difference, why? If it doesn't make a difference, why? If you put in a large enough amount , it will make a difference but I do not want to take that much risk What is(are) the risk(...
by gilgamesh
Wed May 15, 2019 7:31 pm
Forum: Investing - Theory, News & General
Topic: Did you buy the 600+ dip last week ?
Replies: 126
Views: 7423

Re: Did you buy the 600+ dip last week ?

AkwardDoct@rd wrote:
Wed May 15, 2019 6:01 pm
I did not because I have no excess cash
Sounds like you like to maximize expected returns and not into the fun of buying dips...I do the same.
by gilgamesh
Wed May 15, 2019 12:17 pm
Forum: Investing - Theory, News & General
Topic: Nobody knows nothing and AA
Replies: 19
Views: 2190

Re: Nobody knows nothing and AA

OP, this is one way to think about it...it’s not only being able to know something, but it’s to know something others don’t. So think about it...if you can think of something, would the investing populace also know the same info, then it’s already priced in. You have to have info others don’t have....
by gilgamesh
Wed May 15, 2019 10:08 am
Forum: Investing - Theory, News & General
Topic: Dividends almost Doubled between 2013 and now
Replies: 80
Views: 5224

Re: Dividends almost Doubled between 2013 and now

I am not 100% sure where you are coming from but it sounds like you are suggesting that you feel companies that declare larger div's are just better off (in terms of total ROI) in general than companies that do not distribute div's or distribute a lower % of divs???? See? You're just showing what a...
by gilgamesh
Wed May 15, 2019 10:02 am
Forum: Investing - Theory, News & General
Topic: Dividends almost Doubled between 2013 and now
Replies: 80
Views: 5224

Re: Dividends almost Doubled between 2013 and now

If you believe the management is on average "squandering" the money that would be better off paid out as dividends, you really shouldn't be buying the stock of that company at all (or at a minimum be petitioning the board to change the management). Thats not necessary true though right? Some compan...
by gilgamesh
Wed May 15, 2019 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Do you reward yourself for achieving a financial goal?
Replies: 106
Views: 6040

Re: Do you reward yourself for achieving a financial goal?

I prefer to look at my income, not NW. I assume roughly 5% net on stocks (of course varies up and down but that's a good assumption on average), whatever comes net on rental RE, plus job income. Save and (re)invest 30% of total net income, spend the rest guilt free. If followed religiously over you...
by gilgamesh
Wed May 15, 2019 6:11 am
Forum: Investing - Theory, News & General
Topic: Dividends almost Doubled between 2013 and now
Replies: 80
Views: 5224

Re: Dividends almost Doubled between 2013 and now

Riprap wrote:
Tue May 14, 2019 10:46 pm
randomguy wrote:
Tue May 14, 2019 10:40 pm
You chose how either pocket is used. The difference in one case you make the choice. In the other case you let some other person make the choice for you.
Excellent point.
Lol
by gilgamesh
Tue May 14, 2019 3:46 pm
Forum: Investing - Theory, News & General
Topic: Nobody knows nothing and AA
Replies: 19
Views: 2190

Re: Nobody knows nothing and AA

OP, this is one way to think about it...it’s not only being able to know something, but it’s to know something others don’t. So think about it...if you can think of something, would the investing populace also know the same info, then it’s already priced in. You have to have info others don’t have. ...
by gilgamesh
Tue May 14, 2019 3:08 pm
Forum: Investing - Theory, News & General
Topic: What Am I Missing Here
Replies: 15
Views: 1564

Re: What Am I Missing Here

Even if you don’t take the SPIA route a TIPS ladder can guarantee inflation adjusted $32k for $416k (most likely less if it’s higher than 0% yield) until 80 (when many slow down on vacations abroad)... An added point I had to consider, and if you are married, you may have to as well...SS will go dow...
by gilgamesh
Tue May 14, 2019 2:08 pm
Forum: Investing - Theory, News & General
Topic: What Am I Missing Here
Replies: 15
Views: 1564

Re: What Am I Missing Here

Like others have said, only thing majorly missing is you are unnecessarily working longer than needed. Your withdrawal method is unnecessarily ultra-conservative. Will your pension adjust to inflation and how about royalty - I think factoring inflation on those is important too... If you have to wor...
by gilgamesh
Tue May 14, 2019 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Is a 401K Worth It as a Small Business Owner?
Replies: 13
Views: 870

Re: Is a 401K Worth It as a Small Business Owner?

...run the numbers... Many small business owners just look at, say $18k in taxes saved, $15k in costs and think they are good. Thank you gilgamesh... You touched on the important part of my question where you wrote "run the numbers". But before I go any further, a few data points... - We use Employ...
by gilgamesh
Tue May 14, 2019 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Is a 401K Worth It as a Small Business Owner?
Replies: 13
Views: 870

Re: Is a 401K Worth It as a Small Business Owner?

...run the numbers... Many small business owners just look at, say $18k in taxes saved, $15k in costs and think they are good. Thank you gilgamesh... You touched on the important part of my question where you wrote "run the numbers". But before I go any further, a few data points... - We use Employ...
by gilgamesh
Mon May 13, 2019 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Is a 401K Worth It as a Small Business Owner?
Replies: 13
Views: 870

Re: Is a 401K Worth It as a Small Business Owner?

You have to compare what you are doing now (401k) vs taxable or vs simple IRA+taxable and see. You have to make some assumption on years before withdrawal, growth percentage and tax drag on taxable (this isn’t much)...and do the math. You only have one employee with spouse and you , so tax deferrals...
by gilgamesh
Sun May 12, 2019 2:14 pm
Forum: Investing - Theory, News & General
Topic: William Bernstein first guest on new weekly Morningstar Podcast
Replies: 24
Views: 3119

Re: William Bernstein first guest on new weekly Morningstar Podcast

It was a very good podcast...my retirement plan closely resembles William Bernstein’s proposals, and thus interested in anything he has to say. However, I thought the question about which areas are expensive wasn’t fully answered (around the 31:30 min mark). The answer from “50,000 feet above” was U...
by gilgamesh
Sun May 12, 2019 8:14 am
Forum: Personal Investments
Topic: Need Advice for Low Cost Investment in TD Ameritrade for HSA Money
Replies: 13
Views: 873

Re: Need Advice for Low Cost Investment in TD Ameritrade for HSA Money

The three fund no fee ETF with the lowest fee option I’m using are SPTM, SPDW, SPAB.
by gilgamesh
Sat May 11, 2019 8:44 am
Forum: Investing - Theory, News & General
Topic: Why I bet on S&P500
Replies: 51
Views: 2998

Re: Why I bet on S&P500

Doing the right thing for all the wrong reasons :D
by gilgamesh
Wed May 08, 2019 8:31 pm
Forum: Investing - Theory, News & General
Topic: International Exposure — A Fresh Look at Your Stock Portfolio
Replies: 104
Views: 6424

Re: International Exposure — A Fresh Look at Your Stock Portfolio

I do equal SCHE and SCHF for my foreign which is 1/3rd of my stock exposure ( 2/3rd being domestic US SCHB) is this reasonable emerging market stock allocation as per your diversification criteria? Not too much emerging? Thanks! Totally reasonable, IMHO. Honestly, my view is that it would also be r...
by gilgamesh
Wed May 08, 2019 4:55 pm
Forum: Investing - Theory, News & General
Topic: International Exposure — A Fresh Look at Your Stock Portfolio
Replies: 104
Views: 6424

Re: International Exposure — A Fresh Look at Your Stock Portfolio

Curious how EM small caps compare to EM large caps in this regard? Of course all of the dedicated EM small cap funds are fairly expensive. I find basically the same result. Sorting the emerging markets ETFs with three or more years of history by their size factor loading, the top quartile (i.e. tho...
by gilgamesh
Mon May 06, 2019 6:40 pm
Forum: Investing - Theory, News & General
Topic: TD Ameritrade Expanding List of Commission-Free ETFs
Replies: 17
Views: 1825

Re: TD Ameritrade Expanding List of Commission-Free ETFs

unclescrooge wrote:
Mon May 06, 2019 5:04 pm
Nicolas wrote:
Mon May 06, 2019 3:34 pm
gilgamesh wrote:
Mon May 06, 2019 3:32 pm
Looks like they are not bringing back the vanguard options?
No it appears they are not. :annoyed
They have comparable low cost options from iShares.

I’m using SPTM, SPDW, SPAB which are the lowest cost options.
by gilgamesh
Mon May 06, 2019 3:32 pm
Forum: Investing - Theory, News & General
Topic: TD Ameritrade Expanding List of Commission-Free ETFs
Replies: 17
Views: 1825

Re: TD Ameritrade Expanding List of Commission-Free ETFs

Looks like they are not bringing back the vanguard options?
by gilgamesh
Sat May 04, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Perspective [How much is left for spending in retirement?]
Replies: 47
Views: 3968

Re: Perspective [How much is left for spending in retirement?]

This is the Boglehead wiki article on how this affects AA (risk) and several relevant links...

https://www.bogleheads.org/wiki/Tax-adj ... allocation
by gilgamesh
Sat May 04, 2019 7:37 am
Forum: Personal Investments
Topic: Dentist seeking portfolio advice
Replies: 7
Views: 1026

Re: Dentist seeking portfolio advice

HSA to put away a little more - you need an eligible medical plan. If all your employees are at least contributing up to your simple IRA match (assume 3%), then doing a safe harbor with non-elective 3% will cost the same in match, and thus will not cost you too much more. A company like guideline.c...
by gilgamesh
Sat May 04, 2019 7:11 am
Forum: Personal Investments
Topic: Riskfree 3.00% Yield?!
Replies: 33
Views: 6106

Re: Riskfree 3.00% Yield?!

Zero85 wrote:
Fri May 03, 2019 11:48 am
Maybe I’m the one who needs to learn from you all.
One never knows ... I’d say it’s possible.

The previous posts have already attempted to educate you, however, the important part of learning from it is entirely up to you.
by gilgamesh
Fri May 03, 2019 12:56 pm
Forum: Investing - Theory, News & General
Topic: TIPs vs total return portfolio in retirement
Replies: 27
Views: 2336

Re: TIPs vs total return portfolio in retirement

I think a maturing ladder not covering the RMD is not a big issue, as long as I don't have to liquidate a future ladder to satisfy RMD, if most of tIRA is used up for the ladder. For instance, the large ladder at the end which pays for an SPIA (if inside a tIRA) will elicit RMD and if I don't have e...
by gilgamesh
Fri May 03, 2019 12:21 pm
Forum: Personal Investments
Topic: Dentist seeking portfolio advice
Replies: 7
Views: 1026

Re: Dentist seeking portfolio advice

HSA to put away a little more - you need an eligible medical plan. If all your employees are at least contributing up to your simple IRA match (assume 3%), then doing a safe harbor with non-elective 3% will cost the same in match, and thus will not cost you too much more. A company like guideline.co...
by gilgamesh
Fri May 03, 2019 8:43 am
Forum: Investing - Theory, News & General
Topic: TIPs vs total return portfolio in retirement
Replies: 27
Views: 2336

Re: TIPs vs total return portfolio in retirement

So the risk with TIPS ladder is longevity past year 30. Take care of that by buying a deferred annuity. For example, at age 70 buy deferred annuity that pays out $40K at age 85. For a single male, age 70, a deferred annuity pays out ~37% with no death benefit, or ~27% with death benefit. So for an ...
by gilgamesh
Fri May 03, 2019 4:51 am
Forum: Personal Finance (Not Investing)
Topic: created LLC, can I deduct aca premiums?
Replies: 9
Views: 904

Re: created LLC, can I deduct aca premiums?

I am not 100% certain but when it comes to being an employee or not, you may want to look into QBI deductions. That may apply as an IC. Also, I think solo 401k option.
by gilgamesh
Thu May 02, 2019 8:10 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10770
Views: 1885285

Re: U.S. stocks in free fall

ETF, down about 1% from where I purchased. I dollar cost average my monthly contribution into 10 buying units. I try to buy the dips; last month I had to buy high as the month was over. Now a new month that promises to abound with dips. How long have you been doing this, relative to when you starte...
by gilgamesh
Thu May 02, 2019 7:59 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2019 BOGLEHEAD CONTEST [Entry deadline has passed]
Replies: 697
Views: 15202

Re: REGISTRATION FOR 2019 BOGLEHEAD CONTEST [Entry deadline has passed]

My analysis shows better chances in the bull region. Here's a plot of the win probabilities of a whole range of possible contest entry prices : http://i63.tinypic.com/ml5f1l.jpg This is based on historical mean growth and s.d. Bears have entries that are about 200 points below the mean. By that def...
by gilgamesh
Thu May 02, 2019 7:08 am
Forum: Personal Finance (Not Investing)
Topic: The goal of achieving FI
Replies: 41
Views: 3376

Re: The goal of achieving FI

I was reading Napoleon Hill and he says I should come out with a definite purpose, a goal to pursue and achieve by 50 (or 55, 65). His elaboration turns out to be like "I want to be a lawyer, salesman, professor etc." sort of outcome. Thankfully, financial independence is also mentioned as one of t...
by gilgamesh
Thu May 02, 2019 6:35 am
Forum: Personal Investments
Topic: Tax Question - Retired and now 59 1/2.
Replies: 11
Views: 1370

Re: Tax Question - Retired and now 59 1/2.

Hello, I retired last year at 58. I have a taxable Brokerage account ($750,000) and an IRA ($609,000). For the last year I have been taking money from the taxable account to pay living expenses. Now I am 59.5 and can take money from the IRA without penalty. I still have about 3 years of cash (or mo...
by gilgamesh
Wed May 01, 2019 12:30 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2019 BOGLEHEAD CONTEST [Entry deadline has passed]
Replies: 697
Views: 15202

Re: REGISTRATION FOR 2019 BOGLEHEAD CONTEST [Entry deadline has passed]

You picked mean growth of 8%, and I think you said grabiner’s hypothesis will be correct with 0% growth (may be, I misunderstood)

What’s the rationale for picking mean growth of 8%...is that the best option?

That’s what I was trying to get at? Thanks!
by gilgamesh
Wed May 01, 2019 8:35 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2019 BOGLEHEAD CONTEST [Entry deadline has passed]
Replies: 697
Views: 15202

Re: REGISTRATION FOR 2019 BOGLEHEAD CONTEST [Entry deadline has passed]

Even your statement "It is about optimizing your chances of getting the prize" speaks to that much like winning a lottery. I am not sure you understand the issue I am trying to raise. Let me try to explain more clearly. Quoting from the OP of this thread, one of the rules is: Forecast (below) the c...