Search found 2630 matches

by lostdog
Sat May 30, 2020 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 1029
Views: 105688

Re: Why are you NOT buying rental properties?

I wouldn't want to take a chance to deal with dead beats and evictions. I'll stick with index funds.
by lostdog
Fri May 29, 2020 2:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5724
Views: 488748

Re: U.S. stocks continue to soar!

:sharebeer The market WANTS to go up. Not anymore. ...And now it does again! :mrgreen: I know, I know. That's as close as we get to watching sports games. Wow that was fast lol... Trust my instincts. The market WANTS to go up. For at least a little while longer. :sharebeer
by lostdog
Fri May 29, 2020 2:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5724
Views: 488748

Re: U.S. stocks continue to soar!

Hyperchicken wrote:
Fri May 29, 2020 2:01 pm
lostdog wrote:
Fri May 29, 2020 1:52 pm
Stinky wrote:
Fri May 29, 2020 12:50 pm
The market WANTS to go up.
Not anymore.
...And now it does again! :mrgreen:

I know, I know. That's as close as we get to watching sports games.
Wow that was fast lol...
by lostdog
Fri May 29, 2020 1:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5724
Views: 488748

Re: U.S. stocks continue to soar!

Stinky wrote:
Fri May 29, 2020 12:50 pm
Hyperchicken wrote:
Fri May 29, 2020 12:17 pm
Trump's press conference on China is at 2 PM Eastern.

Make your bets. :)
The market WANTS to go up.
Not anymore.
by lostdog
Fri May 29, 2020 12:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5724
Views: 488748

Re: U.S. stocks continue to soar!

Hyperchicken wrote:
Fri May 29, 2020 12:17 pm
Trump's press conference on China is at 2 PM Eastern.

Make your bets. :)
My bet is going to be if it's not much of a threat, we'll soar again.
by lostdog
Fri May 29, 2020 11:38 am
Forum: Personal Investments
Topic: Favorite initial investor Vanguard mutual index fund; VTSAX
Replies: 31
Views: 1832

Re: Favorite initial investor Vanguard mutual index fund; VTSAX

VTWAX(Vanguard Total World). It's the literal global haystack for stocks and the default position to start with. If you want to own US and ex-US stocks in accordance with their present value in the marketplace, VTWAX (Vanguard Total World Admiral Shares, ER .10) is a wonderful fund. I myself am hap...
by lostdog
Fri May 29, 2020 10:14 am
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 195
Views: 12027

Re: S&P500 vs World Performance

Let me sum up the arguments for all of us. Pro U.S. Only It has outperformed no matter what time period you look at, excluding those time periods when it hasn't. Jack and Warren said so. Half the revenue comes from overseas. I live here, I work here, I make my money here. My portfolio is much large...
by lostdog
Fri May 29, 2020 9:58 am
Forum: Personal Investments
Topic: Favorite initial investor Vanguard mutual index fund; VTSAX
Replies: 31
Views: 1832

Re: Favorite initial investor Vanguard mutual index fund; VTSAX

VTWAX(Vanguard Total World). It's the literal global haystack for stocks and the default position to start with.
by lostdog
Fri May 29, 2020 9:35 am
Forum: Personal Investments
Topic: Buying Voo - Robinhood or Vanguard?
Replies: 41
Views: 1543

Re: Buying Voo - Robinhood or Vanguard?

During the covid drop back in March, Robinhood crashed once or twice during that time. I'm sure you can find out more about it if you google it.

I would go with Vanguard, Schwab or Fidelity.
by lostdog
Wed May 27, 2020 12:07 pm
Forum: Investing - Theory, News & General
Topic: Taxable Account - a Swiss Army Knife for Savers
Replies: 42
Views: 5651

Re: Taxable Account - a Swiss Army Knife for Savers

As a retiree, my preferences of where I want my money to BE is as follows: BEST: Roth IRA BETTER: Taxable account (not so) GOOD: Traditional IRA Everything in a ROTH is mine , tax free. I only pay taxes on gains in a taxable account. I pay max tax on everything taken out of a traditional IRA. A tax...
by lostdog
Wed May 27, 2020 11:11 am
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 69
Views: 5236

Re: Anyone screwed up timing the market?

No but it was hard staying the course during those nasty drops. What made it hard was coming here and seeing the bears and trolls daring us to sell. It felt like they were purposely trying to get us to screw up. Most have since disappeared. I'm sure the moderators were busy during that time.
by lostdog
Wed May 27, 2020 8:18 am
Forum: Investing - Theory, News & General
Topic: How to avoid tinkering?
Replies: 40
Views: 2014

Re: How to avoid tinkering?

Watch your portfolio go sideways since January of 2018. It's even worse when you keep adding money to it when it's a high balance and it feels like you're not making a dent. You'll only see the results when you hit new highs...
by lostdog
Mon May 25, 2020 4:32 pm
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 195
Views: 12027

Re: S&P500 vs World Performance

Vanguard recommends global cap weighting in equities, or if not that, at least 40% international. https://youtu.be/wbK5Q_RNFhw +1 I'll take a guess in the next 10 years Vanguard will replace the seperate US and international funds with Total World in their Target Retirement and Life Strategy funds.
by lostdog
Mon May 25, 2020 9:48 am
Forum: Investing - Theory, News & General
Topic: Examples of why NOT to hold individual stocks
Replies: 93
Views: 7351

Re: Examples of why NOT to hold individual stocks

Here's a classic from 2014. This is the company that was making sapphire screens for the upcoming iPhones. "But iPhones don't have sapphire screens!" No they do not. I remember reading this disaster as it unfolded in real time. GT Advanced Technologies I remember this. I thought this forum was remo...
by lostdog
Mon May 25, 2020 9:44 am
Forum: Personal Investments
Topic: Is Vanguard's Personal Advisor Service Worth It???
Replies: 127
Views: 8690

Re: Is Vanguard's Personal Advisor Service Worth It???

If I die or become cognitively disabled, my wife will have PAS take over the portfolio.
by lostdog
Mon May 25, 2020 8:41 am
Forum: Personal Investments
Topic: Is Vanguard's Personal Advisor Service Worth It???
Replies: 127
Views: 8690

Re: Is Vanguard's Personal Advisor Service Worth It???

All, I do appreciate your valuable inputs. Per my current advisor, his 1.25% fee is primarily for financial advice as opposed to portfolio management... At 45, I’m considering the following options If I decide to do it myself: VTWAX (100%, E/R: 0.1%) VTSAX (80%, E/R: 0.04%), VTIAX (20%, E/R: 0.11%)...
by lostdog
Sun May 24, 2020 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Approaching 40, worried about financial future
Replies: 121
Views: 12104

Re: Approaching 40, worried about financial future

You're in really great shape compared to most Americans. About 50% of Americans are in the red. Maybe up your contribution % based on your yearly raises. Sometimes 401k providers can automatically up your contribution % yearly. You'll be fine. Since you're aware and taking control that is a huge step.
by lostdog
Sun May 24, 2020 10:43 am
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 195
Views: 12027

Re: S&P500 vs World Performance

International vs. US is mostly about industry weights. You've heard for years that the US is "outsourcing manufacturing jobs overseas." Well, that shows up in industry weights. The US is heavy in the "gig" economy and health care. The rest of the world is heavy in manufacturing, energy, and materia...
by lostdog
Sun May 24, 2020 10:42 am
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 195
Views: 12027

Re: S&P500 vs World Performance

International vs. US is mostly about industry weights. You've heard for years that the US is "outsourcing manufacturing jobs overseas." Well, that shows up in industry weights. The US is heavy in the "gig" economy and health care. The rest of the world is heavy in manufacturing, energy, and materia...
by lostdog
Sun May 24, 2020 8:05 am
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 195
Views: 12027

Re: S&P500 vs World Performance

Actually, I like Rick Ferri's explanation. If you want to know why international has underperformed in the past decade, just do a comparison of funds on the Vanguard website using VTSAX and VTIAX. The reason will be clear when you get to industries. International stock indices have heavier weightin...
by lostdog
Sat May 23, 2020 7:47 pm
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 195
Views: 12027

Re: S&P500 vs World Performance

I read an article today from Warren Buffett where he said again to simply own the S&P 500. Checkmate total market investors. Speculator Warren Buffet said it so it MUST be right. ... Also, I haven't made any arguments in this thread about my reasons for selecting US domestic. I made no claims on th...
by lostdog
Sat May 23, 2020 8:22 am
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 365
Views: 27893

Re: The axe falls and I am prepared. What's next?

Klangfool, Sorry about your lay off. It looks like you'll be fine. Is there anything outside of IT that looks fun to you? Some sort of fun hobby that you can work part time and enjoy? I was also in IT. I was mainly concentrated on the routing and switching. I also administered Windows servers and ba...
by lostdog
Thu May 21, 2020 8:53 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5724
Views: 488748

Re: U.S. stocks continue to soar!

What a ride. Still feels like the market has been sideways since January 2018.

Glad I stayed the course during that nasty crash. Got that under my belt and out of the way.

The sideways feeling will eventually go away at some point.
by lostdog
Thu May 21, 2020 8:43 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2834
Views: 1856203

Re: The Three-Fund Portfolio

Internationals has definitely underperformed in the past several years. I started investing in 2013 (60 total US, 40 international). My whole investing experience feels as if I am pouring money down the drain with Internationals. But I have to remind myself that these past several years are just a ...
by lostdog
Thu May 21, 2020 8:07 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2834
Views: 1856203

Re: The Three-Fund Portfolio

Internationals has definitely underperformed in the past several years. I started investing in 2013 (60 total US, 40 international). My whole investing experience feels as if I am pouring money down the drain with Internationals. But I have to remind myself that these past several years are just a ...
by lostdog
Wed May 20, 2020 8:47 am
Forum: Personal Investments
Topic: Total world vs total us + international
Replies: 23
Views: 1319

Re: Total world vs total us + international

Speaking only for myself: I do invest in international equities, but only for the reason of diversification. There's a Vanguard paper that showed that, if you allocate 20% of your stocks allocation to international stocks, you will gain 84% of the diversification benefit; if you allocate 30% of you...
by lostdog
Wed May 20, 2020 7:27 am
Forum: Investing - Theory, News & General
Topic: Vanguard High Dividend Yield Index Fund
Replies: 184
Views: 16915

Re: Vanguard High Dividend Yield Index Fund

Dividend investing is so compelling. Especially the psychological comforting feeling of not having to sell shares. Feels so simplistic and comfortable.

I fantasize about having VYM and VYMI in my taxable account sending me big healthy dividends to my checking account.
by lostdog
Wed May 20, 2020 7:00 am
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 195
Views: 12027

Re: S&P500 vs World Performance

I was wondering if the obvious geographic diversification benefit of the VT outweighs its lower performance over the SPY? Yes it does, because diversification will remain but the outperformance may not. I only have so much time on earth left. I'll stick with the overwhelming winner, the S&P 500 Ind...
by lostdog
Tue May 19, 2020 12:17 pm
Forum: Personal Investments
Topic: Total world vs total us + international
Replies: 23
Views: 1319

Re: Total world vs total us + international

UpsetRaptor wrote:
Tue May 19, 2020 9:50 am
Total world is of course simpler, but in taxable I'd hold them separate for tax loss harvesting purposes.
+1

There was a IRS pinch out rule that disallowed a foreign tax credit for the Total World fund. This is another reason to hold the separate funds in taxable.
by lostdog
Tue May 19, 2020 11:25 am
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 40809

Re: Why international?

Jack Bogle said some dumb stuff one day and boom, Company A is all you need and that's that. bgf - Wow! I honestly don't even know how to take that comment or respond considering this forum is "Investing Advice Inspired by Jack Bogle". I am removing myself from any further responses to messages lik...
by lostdog
Tue May 19, 2020 8:24 am
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 40809

Re: Why international?

Well thats a pretty dumb quote. bgf: This is the first time that I have heard someone say that Mr. Bogle made a "dumb" quote. You should find it informative to learn that when Jack Bogle published his first book in 1994 he wrote: "A long-term investor need not allocate any of his or her assets to n...
by lostdog
Tue May 19, 2020 8:16 am
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 40809

Re: Why international?

After reading multiple threads discussing US vs international and, now, this one at 11 pages, I'm really curious. Has anyone been convinced to 'switch sides'? I think I'm only aware of one individual (I think dmcmahon is rethinking his international). As for myself (after reading through some very ...
by lostdog
Mon May 18, 2020 5:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5724
Views: 488748

Re: U.S. stocks continue to soar!

I'm so glad I didn't react to the trolls back in February and March. That was hell reading those sell now troll posts. Calling people with a different and well researched opinion a troll is a pretty silly thing to do. I guess I was a "troll" for suggesting sell side action in late-February/early-Ma...
by lostdog
Mon May 18, 2020 10:20 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5724
Views: 488748

Re: U.S. stocks continue to soar!

I'm so glad I didn't react to the trolls back in February and March. That was hell reading those sell now troll posts.
by lostdog
Sun May 17, 2020 9:13 am
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 195
Views: 12027

Re: S&P500 vs World Performance

I'll stick with the overwhelming winner, the S&P 500 Index fund, until it's not the winner. Good luck with that. Investing in something until it is not the winner literally means you'll sell after it underperforms. The point is I've been in the S&P 500 for 20 years and it has been the clear winner....
by lostdog
Sun May 17, 2020 9:09 am
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 195
Views: 12027

Re: S&P500 vs World Performance

I can't believe that so many Bogleheads are so vehemently against international equity investing. One of the key tenets of Bogleheads investing is diversification. Nowhere in the Bogleheads principles does it state not to invest internationally or to hold all eggs in the U.S. basket. International ...
by lostdog
Thu May 14, 2020 1:08 pm
Forum: Investing - Theory, News & General
Topic: International market recovery
Replies: 146
Views: 9404

Re: International market recovery

If you read Vanguard`s annual economic report you'll see they expect international to outperform U. S. over the next 10 years. I don't know if they will be right or wrong but they certainly seem more educated than the 100% U. S. crowd who seem to be operating on folk wisdom rather than data. I'd en...
by lostdog
Thu May 14, 2020 12:57 pm
Forum: Investing - Theory, News & General
Topic: International market recovery
Replies: 146
Views: 9404

Re: International market recovery

If you read Vanguard`s annual economic report you'll see they expect international to outperform U. S. over the next 10 years. I don't know if they will be right or wrong but they certainly seem more educated than the 100% U. S. crowd who seem to be operating on folk wisdom rather than data. I'd en...
by lostdog
Thu May 14, 2020 10:16 am
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 40809

Re: Why international?

jibantik Obviously, you are staunch in your belief system that investing in the Every Stock That Exists Fund (perhaps along with the Every Bond That Exists Fund) is the only way someone should ever consider investing. It is the superior way to go. If it is working for you since you got into the fun...
by lostdog
Thu May 14, 2020 10:05 am
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 40809

Re: Why international?

Counter-point to consider, the financial crisis of 2008-09 gave a pretty clear signal on the strength of US financial institutions. As I've posted numerous times recently, this is an endless debate that will never be resolved. There are 1761 topics (and counting) with international in the subject. ...
by lostdog
Thu May 14, 2020 9:33 am
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 40809

Re: Why international?

And the U.S. has the strongest financial institutions and shareholder protections in the world, Bogle said. Counter-point to consider, the financial crisis of 2008-09 gave a pretty clear signal on the strength of US financial institutions. As I've posted numerous times recently, this is an endless ...
by lostdog
Thu May 14, 2020 9:28 am
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 40809

Re: Why international?

"Why international?" is not the right question. International is the default, the null hypothesis. If you are asking "Why International?" then YOU already made a decision to speculate on a subset of the market. As much as many "bogleheads" will plug their ears and shake their heads, International i...
by lostdog
Thu May 14, 2020 9:22 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18828
Views: 2631429

Re: U.S. stocks in free fall

Looking forward to the decline in equities. SPX 1800 is when I jump back in. No charting magic here -- just have an ability to realise that [MACRO, non-noise] bad = down and good = up Sorry, but the data tells a different story than the narrative, and for all the aphorisms and boomer-isms thrown ab...
by lostdog
Thu May 14, 2020 8:32 am
Forum: Investing - Theory, News & General
Topic: International market recovery
Replies: 146
Views: 9404

Re: International market recovery

All valid points. Just don't consider yourself a passive investor is my point. I'm absolutely a passive investor in the US stock market. I do not invest in many other assets like foreign stock market indexes, foreign bonds, gold, foreign real estate, Bitcoin, peer-to-peer lending, etc., but not inv...
by lostdog
Wed May 13, 2020 9:33 am
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 40809

Re: Why international?

"Investing 100% of your equities in your home country is foolish." Depends what your home country is. When it's my country, the USA, and its stock and bond markets, it's not foolish at all. Diversification as a religion might be the foolish thing, if returns are more important in the end. Bear mark...
by lostdog
Mon May 11, 2020 10:25 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5724
Views: 488748

Re: U.S. stocks continue to soar!

Right. I am investing as if I don't know nothing. It's really working better than I thought it would. The world economy, I think, is 100 times more complex than the ideas we might be tempted to post over and over and over. You have to make a lot of choices about suppliers, and I am just not going t...
by lostdog
Sat May 09, 2020 9:23 am
Forum: Personal Investments
Topic: Advice on my current asset allocation portfolio
Replies: 13
Views: 801

Re: Advice on my current asset allocation portfolio

Forgive me if I say anything dumb, I'm relatively new to personal finances and investing. I've been reading several posts here and have gone through the Wiki, and I would like some advice on my current portfolio. Background: I am a 19-year-old college student majoring in Computer Science graduating...
by lostdog
Sat May 09, 2020 9:03 am
Forum: Personal Investments
Topic: Gripes with VT (Vanguard Total-World ETF, ER .08)?
Replies: 23
Views: 1641

Re: Gripes with VT (Vanguard Total-World ETF, ER .08)?

VT in Roth is a great fund to have. I'd let it ride there. One of the drawbacks of having VT in taxable might be tax-loss harvesting. Many of us did that during this pandemic, sell at a loss and buy a similar but not an identical asset, but if all of your assets are in VT, where or how do you tax-l...
by lostdog
Fri May 08, 2020 10:49 pm
Forum: Personal Investments
Topic: Gripes with VT (Vanguard Total-World ETF, ER .08)?
Replies: 23
Views: 1641

Re: Gripes with VT (Vanguard Total-World ETF, ER .08)?

VT in Roth is a great fund to have. I'd let it ride there. One of the drawbacks of having VT in taxable might be tax-loss harvesting. Many of us did that during this pandemic, sell at a loss and buy a similar but not an identical asset, but if all of your assets are in VT, where or how do you tax-l...