Search found 1942 matches

by lostdog
Sun Oct 13, 2019 8:29 am
Forum: Personal Investments
Topic: Money Market Decision
Replies: 26
Views: 1947

Re: Money Market Decision

My only concern about transferring monies to VMFXX is the lack of FDIC Insurance. I know many folks on this site keep a large amount of funds in Vanguard Money Market funds, do you have any concerns? Am I worrying senselessly? Most of my savings are in Vanguard money market funds. I have no worries...
by lostdog
Sat Oct 12, 2019 9:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: the case for global equity investing
Replies: 75
Views: 5664

Re: Vanguard: the case for global equity investing

Thank you for sharing. I will not be surprised if Vanguard eventually recommenced a 50% / 50% split. Or they'll replace total stock and total international with total world in their target date and life strategy funds. I think this will happen maybe in a decade when the younger crowd takes over wit...
by lostdog
Sat Oct 12, 2019 1:33 am
Forum: Investing - Theory, News & General
Topic: Vanguard: the case for global equity investing
Replies: 75
Views: 5664

Re: Vanguard: the case for global equity investing

VT and BNDW. The 3 fund portfolio is out of date.

Simplicity....
by lostdog
Sat Oct 12, 2019 1:25 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps pushing their financial advisors...why?
Replies: 78
Views: 5087

Re: Vanguard keeps pushing their financial advisors...why?

greg24 wrote:
Fri Oct 11, 2019 3:59 pm
If the biggest downside to Vanguard is the PAS emails, we are a lucky bunch.

Delete and move on.
+1

It's not that big of deal to me. I'm actually glad they're working hard to keep costs low for us.
by lostdog
Fri Oct 11, 2019 5:28 pm
Forum: Personal Investments
Topic: How to TLH from VTIAX to IXUS on VG website?
Replies: 13
Views: 725

Re: How to TLH from VTIAX to IXUS on VG website?

No need to be paranoid about having a portion of your portfolio out of the market for a day or so. The expected return of the market is only about 0.03% per day. That's a mis-use of statistics or something like that. Some days it is nice to be out of the market. Some days it is not so nice to be ou...
by lostdog
Fri Oct 11, 2019 3:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12294
Views: 2098262

Re: U.S. stocks in free fall

Finished up 1.09%. Nice end to the week. :beer It was up almost 2% earlier... I think up a paltry 1% on such a MAJOR positive development is negative in my view especially since we were still under the old highs even with the earlier gain. I would've liked to see a stronger showing and the sell off...
by lostdog
Fri Oct 11, 2019 3:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12294
Views: 2098262

Re: U.S. stocks in free fall

stocknoob4111 wrote:
Fri Oct 11, 2019 3:24 pm
S&P 500 had a huge sell off in the last 10 minutes giving up half it's gains... that does not inspire much confidence in this rally.
People taking profits? Any idea?
by lostdog
Fri Oct 11, 2019 9:45 am
Forum: Investing - Theory, News & General
Topic: Is home bias really biased?
Replies: 12
Views: 923

Re: Is home bias really biased?

Vanguard's expert opinion on this matter.

https://investor.vanguard.com/investing ... -investing
by lostdog
Fri Oct 11, 2019 7:27 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1528
Views: 157339

Re: U.S. stocks continue to soar!

Looks like a possible big soar today.
by lostdog
Fri Oct 11, 2019 7:18 am
Forum: Personal Finance (Not Investing)
Topic: What’s the proper way to pay yourself in retirement?
Replies: 56
Views: 5729

Re: What’s the proper way to pay yourself in retirement?

There is no best or proper way. It would be a matter of opinion. I plan on not reinvesting dividends or interest or capital gains, which this year will be 7/12 of my planned retirement income. Prior to Social Security, I will sell monthly holdings to provide the other 5/12s, for a period of 6 month...
by lostdog
Thu Oct 10, 2019 8:55 am
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 82
Views: 7329

Re: Fidelity to $0 Commissions

The competition is awesome. This is great for all investors.
by lostdog
Wed Oct 09, 2019 11:06 pm
Forum: Investing - Theory, News & General
Topic: INTERNATIONALS 20% of Equities or 20% of Portfolio?
Replies: 57
Views: 3272

Re: INTERNATIONALS 20% of Equities or 20% of Portfolio?

I will never understand the thinking of the New Age Progressive Market Weight Zealots. So I presume you only own 20% of the SP 500 in your mutual fund? Or are you a market weight zealot, but only domestically? This pretty much sums it up on what I was saying earlier in this thread. The U.S. only cl...
by lostdog
Wed Oct 09, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Should I download Android 10?
Replies: 12
Views: 675

Re: Should I download Android 10?

I've been using it on my Pixel 2 since launch with no real problems. There was an update Monday that fixed a number of problems that others faced. I'd go for it. The gesture navigation was remarkably easy to get used to, but is optional in case you don't like it. +1 Working fine on my Pixel 2. :sha...
by lostdog
Wed Oct 09, 2019 4:41 pm
Forum: Personal Investments
Topic: Does transferring taxable account have bad tax consequences.
Replies: 22
Views: 994

Re: Does transferring taxable account have bad tax consequences.

Silk McCue wrote:
Wed Oct 09, 2019 1:06 pm
Call Vanguard and ask them to convert the shares to ETFs. No need to tell them why. Then you’ll be able to transfer those to M1 without tax consequence.

Cheers


+1
by lostdog
Wed Oct 09, 2019 4:29 pm
Forum: Investing - Theory, News & General
Topic: INTERNATIONALS 20% of Equities or 20% of Portfolio?
Replies: 57
Views: 3272

Re: INTERNATIONALS 20% of Equities or 20% of Portfolio?

I’m 25% equity. I am 20% of stocks. That works out to 12% of my overall 60/40 portfolio. I find the international to be a drag on my portfolio, so I don't want to increase it. If International has another (not a 1st) decade of strong outperformance compared to the US, will you change your plan? Not...
by lostdog
Wed Oct 09, 2019 10:21 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12294
Views: 2098262

Re: U.S. stocks in free fall

2015 and 2016 were sideways also, correct? We've had 4 years of sideways in this supposed 10 year media labeled bull market. U.S. stocks have returned 9.69% nominal, 7.67% real, since 2015. I'd take that every five years from here on out with great satisfaction. While we are not in a '10 year bull ...
by lostdog
Wed Oct 09, 2019 8:07 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12294
Views: 2098262

Re: U.S. stocks in free fall

2015 and 2016 were sideways also, correct? We've had 4 years of sideways in this supposed 10 year media labeled bull market.
by lostdog
Wed Oct 09, 2019 8:01 am
Forum: Personal Consumer Issues
Topic: Help Me Decide on a New Vehicle?
Replies: 63
Views: 4491

Re: Help Me Decide on a New Vehicle?

Subaru Outback or Subaru Forester.
by lostdog
Wed Oct 09, 2019 7:37 am
Forum: Personal Consumer Issues
Topic: Capital One Eno
Replies: 35
Views: 3630

Re: Capital One Eno

My wife uses it for her online shopping. No issues at all so far.
by lostdog
Wed Oct 09, 2019 7:02 am
Forum: Investing - Theory, News & General
Topic: INTERNATIONALS 20% of Equities or 20% of Portfolio?
Replies: 57
Views: 3272

Re: INTERNATIONALS 20% of Equities or 20% of Portfolio?

Vanguard recommends 40% up to world market cap of stock allocation. https://investor.vanguard.com/investing/investment/international-investing The 0% to 20% is an out-dated recommendation from an old era of patriotism. This human condition results in home bias, performance chasing(buying high and se...
by lostdog
Tue Oct 08, 2019 10:25 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12294
Views: 2098262

Re: U.S. stocks in free fall

I looked at the market this morning and then went to Boggleheads specifically for this thread. Not finding it on the first page is what really unnerved me. :shock: Speaking for myself, the S&P 500 at least has just been 'bunny hopping' for a while now, up a bit and then down a bit but not really go...
by lostdog
Mon Oct 07, 2019 1:40 pm
Forum: Personal Investments
Topic: Nervous about TLH
Replies: 33
Views: 2210

Re: Nervous about TLH

You could also buy ITOT, if you were OK with owning a BlackRock ETF. It's closer to VTIAX since it holds small caps, but still tracks a different index. I did a VTIAX->VFWAX->ITOT->VTIAX trip a few years ago during a prolonged bad market for international, no issues when filing this. ITOT is the US...
by lostdog
Sun Oct 06, 2019 8:24 am
Forum: Personal Investments
Topic: All in on VT?
Replies: 30
Views: 4444

Re: All in on VT?

MotoTrojan wrote:
Sat Oct 05, 2019 3:03 pm
Biggest drawback in taxable is less ability to tax-loss harvest, especially if one region is up and the other down (lots of opportunistic recently to harvest Total Int.).
SPGM and VT are good TLH partners if he wants to keep things simple with 1 fund.
by lostdog
Fri Oct 04, 2019 9:30 am
Forum: Investing - Theory, News & General
Topic: Press Release 10/1/19--Vanguard Adds To Its Active Lineup With Launch Of International Core Stock Fund
Replies: 68
Views: 6563

Re: Press Release 10/1/19--Vanguard Adds To Its Active Lineup With Launch Of International Core Stock Fund

[Title was "Vanguard Expands Active Roster With Proposed International Core Stock Fund" The fund has been launched, see below. --admin LadyGeek] Press Release by Vanguard 7/18/2019 I didn't see anything on the forum regarding this https://pressroom.vanguard.com/news/Press-Release-Vanguard-Files-for...
by lostdog
Wed Oct 02, 2019 10:53 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12294
Views: 2098262

Re: U.S. stocks in free fall

The market hasn't gone anywhere since January of 2018. I'm always baffled when the media brings up the 10 year bull market. I've been telling y'all that the market is going sideway since late 2017. No one would listen. Everyone is yee-haw with 20%+ rate of return. If the market gives 6% long term r...
by lostdog
Wed Oct 02, 2019 9:13 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12294
Views: 2098262

Re: U.S. stocks in free fall

The market hasn't gone anywhere since January of 2018. I'm always baffled when the media brings up the 10 year bull market.
by lostdog
Wed Oct 02, 2019 8:25 am
Forum: Personal Consumer Issues
Topic: How did your Windows 10 upgrade go?
Replies: 57
Views: 3407

Re: How did your Windows 10 upgrade go?

...hard drive (spinning disk) and replacing with a SSD (solid state drive) and using windows 10 make these about as fast as most people need. +1 After installing Windows 10 on my 2011 desktop and 2012 laptops, I installed SSDs. The SSD made the machines as responsive as we needed. If you decide to ...
by lostdog
Wed Oct 02, 2019 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Willingly going from lucrative job to unemployed?
Replies: 132
Views: 13135

Re: Willingly going from lucrative job to unemployed?

Get to 3% SWR since you'll be done quite early. I walked away from technology early and never regretted it. While working on getting to your 3% SWR, work on finding ways to not feel guilty about walking away. Right now it's conditioned in your psyche. Since you're into minimalism, you could expand i...
by lostdog
Tue Oct 01, 2019 9:47 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2444
Views: 449550

Re: What are you up YTD? [Year To Date]

What are the returns like since January 2018?
by lostdog
Thu Sep 26, 2019 7:02 am
Forum: Personal Investments
Topic: Taking A Crack At This...[Portfolio Review]
Replies: 23
Views: 1919

Re: Taking A Crack At This...

I am in the 22% marginal tax bracket, and I plan to be making a far higher salary when I retire (and be in a higher tax bracket), so I feel the Roth is the way to go. There is a wiki on this choice. https://www.bogleheads.org/wiki/Traditional_versus_Roth Single people get into the higher tax bracke...
by lostdog
Wed Sep 25, 2019 8:51 am
Forum: Personal Investments
Topic: VTIAX v VFWAX
Replies: 4
Views: 378

Re: VTIAX v VFWAX

Does anyone have a view on which of these funds is preferable for international exposure? Portfolio Visualizer. VFWAX is missing international small caps and has a higher yield. Either will be fine. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&...
by lostdog
Mon Sep 23, 2019 9:42 am
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 297
Views: 25679

Re: VTIAX International fund - should I give up on it?

I've always been lowly allocated to intl.... and I've let it dwindle and dwindle for years..... to the point now it's less than 10%....and much of that is in EM. I have zero desire to invest in Europe. None, nada. The EU/EURO was a noble idea, that seemed promising, but has been a colossal failure....
by lostdog
Mon Sep 23, 2019 9:23 am
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 297
Views: 25679

Re: VTIAX International fund - should I give up on it?

I'm out of VTIAX, finally, as of last week. For years I've been telling myself to wait until the dollar weakens again, which it will, eventually. But if that doesn't happen soon, I'm probably better off pulling the plug right now. To each his own - I just can't afford the long term drag on my portf...
by lostdog
Mon Sep 23, 2019 8:48 am
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 297
Views: 25679

Re: VTIAX International fund - should I give up on it?

I'm more optimistic than you about the European project, but not sure as to how that will translate for my personal investing. As to "A question for those throwing in the towel after being in international for a long time: given the same amount of U.S. underperformance in the future over your chose...
by lostdog
Mon Sep 23, 2019 8:19 am
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 297
Views: 25679

Re: VTIAX International fund - should I give up on it?

I'm out of VTIAX, finally, as of last week. For years I've been telling myself to wait until the dollar weakens again, which it will, eventually. But if that doesn't happen soon, I'm probably better off pulling the plug right now. To each his own - I just can't afford the long term drag on my portf...
by lostdog
Mon Sep 23, 2019 8:17 am
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 297
Views: 25679

Re: VTIAX International fund - should I give up on it?

I'm out of VTIAX, finally, as of last week. For years I've been telling myself to wait until the dollar weakens again, which it will, eventually. But if that doesn't happen soon, I'm probably better off pulling the plug right now. To each his own - I just can't afford the long term drag on my portf...
by lostdog
Sun Sep 22, 2019 4:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total World Stock ETF (VT) gets some competition
Replies: 10
Views: 2350

Re: Vanguard Total World Stock ETF (VT) gets some competition

Unless I'm reading it wrong, the AWCI etf hold 1,426 stocks, vs 8,202 in VT/VTWAX, which I'm guessing means it's more of a global large cap than a global total market. The difference is immaterial: the weighted average market cap of the Vanguard fund is $142.43B versus $160.49B for the iShares fund...
by lostdog
Sun Sep 22, 2019 4:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total World Stock ETF (VT) gets some competition
Replies: 10
Views: 2350

Re: Vanguard Total World Stock ETF (VT) gets some competition

bgf wrote:
Fri Sep 20, 2019 5:05 pm
is SPGM a TLH option for VT?
Looks like it. I compared the holdings and it's pretty much the same.
by lostdog
Sun Sep 22, 2019 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement - not worry about withdrawal rate, but focus on portfolio size?
Replies: 68
Views: 5531

Re: Early retirement - not worry about withdrawal rate, but focus on portfolio size?

I think a lot of the FIRE proponents (sorry, I do not recall what the acronym stands for) that retire early are overly-reliant on a nest egg that is unusually fat from recent above normal non-sustainable market returns. And by using a 3.5 or 4 or whatever percent withdrawal rate, they are asking fo...
by lostdog
Sat Sep 21, 2019 10:02 pm
Forum: Personal Investments
Topic: International Bonds and Stock Allocations
Replies: 15
Views: 981

Re: International Bonds and Stock Allocations

Hi Bogleheads, Curious to get your thoughts on how much should be allocated to international stocks and bonds in a portfolio of 70%/30% (stocks / bonds). I've seen a variety of allocations on different websites and wanted to ask this forum. Thanks! Welcome to the forum! Vanguard investment experts ...
by lostdog
Sat Sep 21, 2019 9:17 am
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 297
Views: 25679

Re: VTIAX International fund - should I give up on it?

OP, Here is a great article from Jonathan Clements regarding diversification. https://humbledollar.com/2019/09/timely-reminder/ "Over the 10 years through August 2009, the large-cap stocks in the S&P 500 shed an average 0.8% a year, even with dividends included. Meanwhile, U.S. value stocks beat U.S...
by lostdog
Sat Sep 21, 2019 9:12 am
Forum: Personal Consumer Issues
Topic: Separate laptop for dealing with finances?
Replies: 39
Views: 2920

Re: Separate laptop for dealing with finances?

I use a virtual machine but that may be beyond what many people want to do or can do. Absent the VM or separate hardware, I would Use a dedicated browser that clears the cache when closed I do not use mobile devices I only use institutions that have two-factor authorization A large part of security...
by lostdog
Sat Sep 21, 2019 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement - not worry about withdrawal rate, but focus on portfolio size?
Replies: 68
Views: 5531

Re: Early retirement - not worry about withdrawal rate, but focus on portfolio size?

Besides the financial matters, I am having a great difficulty understanding the rationale behind an extremely early retirement in 30s. The society supported you for the first 20+ years of your life and you expect it to continue supporting you for the rest of your life after working for only about 1...
by lostdog
Sat Sep 21, 2019 8:31 am
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 297
Views: 25679

Re: VTIAX International fund - should I give up on it?

Is this cherry picking a starting point? What does this tell us? Don’t invest in international? I think it’s best to diversify outside US because you don’t know what the next 30 years will be like. It is cherry picking no doubt... but the only way to make sense of it is to compare the same sets of ...
by lostdog
Sat Sep 21, 2019 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement - not worry about withdrawal rate, but focus on portfolio size?
Replies: 68
Views: 5531

Re: Early retirement - not worry about withdrawal rate, but focus on portfolio size?

Besides the financial matters, I am having a great difficulty understanding the rationale behind an extremely early retirement in 30s. The society supported you for the first 20+ years of your life and you expect it to continue supporting you for the rest of your life after working for only about 1...
by lostdog
Sat Sep 21, 2019 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement - not worry about withdrawal rate, but focus on portfolio size?
Replies: 68
Views: 5531

Re: Early retirement - not worry about withdrawal rate, but focus on portfolio size?

Just stick with 3% to 3.5% and hold part time jobs. You'll still have your freedom, less stress and health insurance.

Even 4% with part time jobs seems fine.
by lostdog
Sat Sep 21, 2019 7:50 am
Forum: Personal Investments
Topic: First time investing
Replies: 14
Views: 929

Re: First time investing

Time IN the market works out better than TIMING the market.
by lostdog
Thu Sep 19, 2019 6:23 pm
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 297
Views: 25679

Re: VTIAX International fund - should I give up on it?

I keep falling back on Hyundai and GM, HSBC and Wells Fargo, Novartis and Johnson & Johnson, etc. Then to complicate further there are companies that hop boarders such as Burger King/Tim Horton’s, Pfizer, and Chrysler/Mercedes. Sure we could think of more. Point is I can decide and don’t want to. S...
by lostdog
Thu Sep 19, 2019 9:07 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12294
Views: 2098262

Re: U.S. stocks in free fall

Excellent decision. I sold mine 5+ years ago, after holding for a decade during which time I traveled extensively for business to many of these countries and realized that their economic systems were not built to benefit the investor. No tilt, no small cap, no REIT, no mid-cap, just VTSAX does the ...