Search found 1370 matches

by lostdog
Mon Jan 21, 2019 8:31 pm
Forum: Investing - Theory, News & General
Topic: One Fund to Rule Them All
Replies: 52
Views: 4402

Re: One Fund to Rule Them All

Vanguard Total World Admiral. It will be offered in early February.

Having her go 0% international with a 40 year time horizon will be a bad choice. She'll miss out on great companies on this planet Earth if she goes U.S. only. The U.S. only advice is outdated.
by lostdog
Mon Jan 21, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: Federal Workers
Replies: 33
Views: 1521

Re: Federal Workers

In before the lock. Most Americans live paycheck to paycheck, roughly 70% to 75% of the population. Some strive for living like the Jonses and having awesome social media posts. Others are just starting out their careers and not able to save as much. Some are poor and over leveraged. Bogleheads are ...
by lostdog
Mon Jan 21, 2019 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 221
Views: 16159

Re: Why are you NOT buying rental properties?

How about storage units? https://money.usnews.com/money/blogs/the-smarter-mutual-fund-investor/articles/2018-01-11/self-storage-is-an-investment-alternative "A "safe" investment. For individual investors looking for an alternative to being a landlord, self-storage is considered a relatively safe rea...
by lostdog
Mon Jan 21, 2019 9:34 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2375
Views: 1492937

Re: The Three-Fund Portfolio

Now that Total World will soon have Admiral Shares, is anybody willing to step forward and advocate a two-fund portfolio? 33% less funds, for even greater simplicity! :D Yes, I know the idea would kill John Bogle if St. Jack hadn't already passed, but the lower valuations of international stocks ar...
by lostdog
Mon Jan 21, 2019 9:06 am
Forum: Investing - Theory, News & General
Topic: Vanguard Total World Stock and All-World ex-US Small Cap Admiral Shares should launch February 5
Replies: 49
Views: 5609

Re: Vanguard Total World Stock and All-World ex-US Small Cap Admiral Shares should launch February 5

I hit my band awhile ago and accidentally rebalanced into much international. I have about 52% international at the moment. I am just leaving it. I need to update my signature.
by lostdog
Sat Jan 19, 2019 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 2050 Target Fund to Total Stock
Replies: 12
Views: 761

Re: Roth 2050 Target Fund to Total Stock

+2 - you picked to invest internationally for a reason - why was that? If that has changed - why did it change? If it is recent performance - that is a bad reason. If it is because you now fully feel (yourself - not experts) that international is not important because it lacks diversification benef...
by lostdog
Sat Jan 19, 2019 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Newbie needing some advice - which other Vanguard funds
Replies: 23
Views: 1467

Re: Newbie needing some advice - which other Vanguard funds

Vanguard recommends a 40% international allocation for equity and 30% international for bonds. https://investor.vanguard.com/investing/investment/international-investing "To get the full diversification benefits, we recommend that you consider investing about 40% of your stock allocation in internat...
by lostdog
Sat Jan 19, 2019 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Should I dump our wealth planner/financial advisor?
Replies: 38
Views: 2991

Re: Should I dump our wealth planner/financial advisor?

Another option is to go ahead and sign up for the Vanguard Personal Advisory Service. Let them setup your portfolio for 0.3% a year, then after a quarter of learning and feeling comfortable, cancel the service and diy. https://investor.vanguard.com/advice/personal-advisor I like this recommendation...
by lostdog
Sat Jan 19, 2019 10:25 am
Forum: Investing - Help with Personal Investments
Topic: 100% in VTSAX - Is it crazy???
Replies: 82
Views: 7961

Re: 100% in VTSAX - Is it crazy???

Not crazy at all. My wife and I have pensions, and we recently went to 100% VTSAX. Read JL Collins, Simple Path to Wealth, he along with other bloggers have convinced/inspired me to do so. I've realized that the wealth we have accumulated, came from being 100% VTSAX for the first twenty so years of...
by lostdog
Sat Jan 19, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Wire $50K Out of the Country
Replies: 15
Views: 1289

Re: Wire $50K Out of the Country

Just as long as it's not to a Nigerian king...
by lostdog
Sat Jan 19, 2019 9:58 am
Forum: Personal Consumer Issues
Topic: How do you keep a calendar?
Replies: 63
Views: 3011

Re: How do you keep a calendar?

My wife and I use a paper calendar which we hang in the kitchen. It is the only thing that works for us. By choice, an At-A-Glance or other office-supply-company calendar that has a) enough space to write on, and b) non-glossy surfaces that take pencil and accept erasures. They seem wildly overpric...
by lostdog
Sat Jan 19, 2019 9:28 am
Forum: Investing - Theory, News & General
Topic: Total Stock & Intnl Stock vs Total World?
Replies: 7
Views: 591

Re: Total Stock & Intnl Stock vs Total World?

Let's assume I was thinking (over thinking?) about simplifying the stock side of the portfolio from a 50 / 50 Total Stock and Total International Stock asset allocation to a Total World allocation. I was looking at the portfolios of all three funds. IIRC, the Total World and Total Stock portfolios ...
by lostdog
Sat Jan 19, 2019 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Roth 2050 Target Fund to Total Stock
Replies: 12
Views: 761

Re: Roth 2050 Target Fund to Total Stock

By going all VTSAX you're missing out on great companies: Royal Dutch Shell plc Nestle SA Tencent Holdings Ltd. Samsung Electronics Co. Ltd. Novartis AG Roche Holding AG Taiwan Semiconductor Manufacturing Co. Ltd. HSBC Holdings plc Alibaba Group Holding Ltd. Toyota Motor Corp. There are 6,374 stocks...
by lostdog
Fri Jan 18, 2019 2:44 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 259
Views: 25953

Re: What is your overall portfolio weighted expense ratio

Around .07%.

I'm grateful the 401k has low cost blackrock index funds.
by lostdog
Fri Jan 18, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Furloughed Fed Employee - How to make best use of time
Replies: 60
Views: 5930

Re: Furloughed Fed Employee - How to make best use of time

Go hang at the gym and get some exercise.

Go do some fun stuff, read a book, road trip,...etc
by lostdog
Fri Jan 18, 2019 9:58 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 853
Views: 45236

Re: John Bogle has died at age 89

Jack,

My wife and I thank you for your bringing simplicity into our lives and our investing lives. Rest in peace.
by lostdog
Fri Jan 18, 2019 9:36 am
Forum: Investing - Help with Personal Investments
Topic: 100% in VTSAX - Is it crazy???
Replies: 82
Views: 7961

Re: 100% in VTSAX - Is it crazy???

100% stocks isn't crazy. But not including international might be, especially since international valuations are much lower than US. Sometimes, when people think international stocks, they might be imagining some strange and exotic company they can't understand. But here are the ten largest holding...
by lostdog
Thu Jan 17, 2019 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Clearing the decks at age 60 and starting over
Replies: 20
Views: 4075

Re: Clearing the decks at age 60 and starting over

Your 700k house. Can you downsize? Buy a smaller house and put the extra proceeds in your portfolio? 700k seems like a lot of house for one person. At Fidelity you can also use ITOT in your taxable. It is the iShares Total Market ETF with a cost of .03%. ITOT and AGG are a good combo. For some reaso...
by lostdog
Thu Jan 17, 2019 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 221
Views: 16159

Re: Why are you NOT buying rental properties?

Great thread. I am also one of the ones on here who believes in the boglehead philosophy - but has an 'inkling' to figure out what this real estate hype has been all about with rentals etc. But the more I read on it from current / past tenants - the more I am dissuaded of learning, looking into thi...
by lostdog
Wed Jan 16, 2019 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: 100% in VTSAX - Is it crazy???
Replies: 82
Views: 7961

Re: 100% in VTSAX - Is it crazy???

samsdad wrote:
Wed Jan 16, 2019 12:50 pm
Oh it will, I’m sure. But I have no reason to believe it will in my investing horizon.

Do you have any thoughts about why international has underperformed over the long run?

Why will it outperform in the future?
Because I don't invest in the rear view mirror.
by lostdog
Wed Jan 16, 2019 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: 100% in VTSAX - Is it crazy???
Replies: 82
Views: 7961

Re: 100% in VTSAX - Is it crazy???

100% in VT/VTWSX - Is it crazy??? The combo VTSAX/VTIAX would be quite a bit cheaper (and honestly not meaningfully more complex) but, yes, that'd already be much better than 100% VTSAX in my opinion. VT is 10 basis points. VTWSX will be 10 basis points in the next few days. VTSAX/VTIAX is about 7 ...
by lostdog
Wed Jan 16, 2019 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: 100% in VTSAX - Is it crazy???
Replies: 82
Views: 7961

Re: 100% in VTSAX - Is it crazy???

100% in VT/VTWSX - Is it crazy???
by lostdog
Wed Jan 16, 2019 11:56 am
Forum: Investing - Help with Personal Investments
Topic: VOO OR VTSAX FOR BROKERAGE ACCOUNT
Replies: 13
Views: 357

Re: VOO OR VTSAX FOR BROKERAGE ACCOUNT

How about VT/VTWSX. (Vanguard Total World Index)
by lostdog
Wed Jan 16, 2019 10:56 am
Forum: Investing - Help with Personal Investments
Topic: 100% in VTSAX - Is it crazy???
Replies: 82
Views: 7961

Re: 100% in VTSAX - Is it crazy???

You're missing out on a lot of great international companies.

Who knows, the next Apple or Amazon could be an international company.
by lostdog
Tue Jan 15, 2019 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Question moving from stock portfolio to VTI Total Stock Market Index
Replies: 15
Views: 951

Re: Question moving from stock portfolio to VTI Total Stock Market Index

Thank you. I'm gonna go for A ! The only other question is whether to buy VTI or ITOT ? It's in a fidelity account. Once the stocks are moved, I will have to go threw a similar exercise with a $600K bond ladder of 30 holdings to 1 or 2 bond funds. Fortunately, it is in an IRA. This seems even more ...
by lostdog
Mon Jan 14, 2019 5:36 pm
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9616

Re: Did you ever "win" big?

actually, continuing to believe in free will after science has shown otherwise "is not only intellectually dishonest, its [sic] pure laziness." https://www.google.com/search?client=firefox-b-1-ab&q=science+disproves+free+will I am not talking about free will. I have heard enough Sam Harris' podcast...
by lostdog
Mon Jan 14, 2019 12:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. economy could slip from top spot in 2020 and keep slipping
Replies: 25
Views: 1863

Re: U.S. economy could slip from top spot in 2020 and keep slipping

But in any case: yes or no, do you, HEDGEFUNDIE, expect the size of the Chinese stock market, including A shares, based on your favorite data source, to pass that of the United States in 2020? Nisi, the beauty of market cap investing is it doesn't matter what one expects. The Vanguard Total World S...
by lostdog
Mon Jan 14, 2019 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Biggest Investment Mistake
Replies: 164
Views: 11319

Re: Biggest Investment Mistake

Not starting sooner in my 20's. I bought new cars.

We would be in the two comma club in our 40's if I hadn't messed up in the beginning.
by lostdog
Mon Jan 14, 2019 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Should I put VTIAX or VTSAX into taxable account?
Replies: 20
Views: 1392

Re: Should I put VTIAX or VTSAX into taxable account?

If you sell a fund for a capital loss, and purchase the same fund within 30 days before or after (even by reinvesting dividends), you have a wash sale. It's possible to do this by accident if you reinvest dividends in your IRA. Thanks! I was aware of that, if selling/buying in the same account. But...
by lostdog
Mon Jan 14, 2019 9:10 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1034
Views: 110602

Re: [What TV Show Have You Recently Watched?]

Bacchus01 wrote:
Sun Jan 13, 2019 10:11 pm
lostdog wrote:
Sun Jan 13, 2019 4:48 pm
Just got done with Travelers season 3. Pretty good.

Just started watching The Last Kingdom. Good so far.

Both on Netflix
Not sure what to think of the end of Travelers season 3.
I had the same feeling.
by lostdog
Sun Jan 13, 2019 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: What's your experience upgrading to Quicken 2018 or 2019?
Replies: 41
Views: 2167

Re: What's your experience upgrading to Quicken 2018 or 2019?

It's been a solid product since the switched to the other company.
by lostdog
Sun Jan 13, 2019 6:24 pm
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9616

Re: Did you ever "win" big?

Attributing everything in life "fate" or "luck", is not only intellectually dishonest, its pure laziness. actually, continuing to believe in free will after science has shown otherwise "is not only intellectually dishonest, its [sic] pure laziness." https://www.google.com/search?client=firefox-b-1-...
by lostdog
Sun Jan 13, 2019 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Should I put VTIAX or VTSAX into taxable account?
Replies: 20
Views: 1392

Re: Should I put VTIAX or VTSAX into taxable account?

If you intend to do any TLH on these in the taxable account, beware of reinvested dividends in the tax deferred accounts. Thank you for the heads up. I hadn’t thought of that angle. This is another benefit of using IXUS in taxable, and VTIAX in tax-deferred space. +1 I use ITOT(iShares Total Market...
by lostdog
Sun Jan 13, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1034
Views: 110602

Re: [What TV Show Have You Recently Watched?]

Just got done with Travelers season 3. Pretty good.

Just started watching The Last Kingdom. Good so far.

Both on Netflix
by lostdog
Sun Jan 13, 2019 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?
Replies: 74
Views: 6751

Re: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?

Again, over or underweighting international due to its performance characteristics is exactly the same thing as over or underweighting a sector within the U.S. due to its performance characteristics. The logic is 100% exactly the same. If you agree that indexing the U.S. is best, you must necessari...
by lostdog
Sun Jan 13, 2019 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?
Replies: 74
Views: 6751

Re: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?

I am not an economist, but are there any widely accepted theories of economics that support a significant US-overweight? I don't expect the "bet on historical winners" theory to get anyone a Nobel Prize anytime soon. I am of similar mind. As far as I’m concerned it’s just a combination of home bias...
by lostdog
Fri Jan 11, 2019 9:25 am
Forum: Investing - Help with Personal Investments
Topic: International debate again!!
Replies: 16
Views: 1140

Re: International debate again!!

At some point when Total World gets cheap, that fund will be their standard.
by lostdog
Thu Jan 10, 2019 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Is buying a $700K first home crazy?
Replies: 70
Views: 7311

Re: Is buying a $700K first home crazy?

For what it's worth, I view housing as an expense and try to keep that expense low. Ive taken up minimalism, and now I love our space and wouldn't want anything bigger. I bought our unit for 95k (in Minneapolis), and spent 50k gut rehabbing it myself, but I'm hindsight I view that as wasted time. I...
by lostdog
Thu Jan 10, 2019 8:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard explains the increase in ex-us allocation
Replies: 34
Views: 4601

Re: Vanguard explains the increase in ex-us allocation

They gave the reasons why they increased international allocation in the PAST. It was mainly because of the lower costs to do it.
by lostdog
Thu Jan 10, 2019 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Under $100k Avg Annual Income Millionaires and How You Did It?
Replies: 117
Views: 13986

Re: Under $100k Avg Annual Income Millionaires and How You Did It?

If you listen to Dave Ramsey, listen to the Millionaire theme hours. Good stuff!
by lostdog
Thu Jan 10, 2019 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Is buying a $700K first home crazy?
Replies: 70
Views: 7311

Re: Is buying a $700K first home crazy?

I do not see what do you get out of buying a house. You could spend the money elsewhere with a lot more fun That's not for you to say. TropikThunder, I am entitled to my own opinion. It is up to OP to decide whether it is worthwhile. KlangFool If I had the chance to start over, I would not have bou...
by lostdog
Thu Jan 10, 2019 9:58 am
Forum: Investing - Theory, News & General
Topic: Your Vanguard Page
Replies: 32
Views: 2865

Re: Your Vanguard Page

Once a week. I call them "Finance Fridays". Do the bills and such.
by lostdog
Thu Jan 10, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: MMORPG games
Replies: 59
Views: 4435

Re: MMORPG games

World of Warcraft here. I raid with my guild Wedensdays and Thrsdays from 1pm to 4pm central. Very fun doing this with 20 other people. Very social. I also run rated battlegrounds. Very competitive. Never bored.
by lostdog
Wed Jan 09, 2019 7:03 pm
Forum: Investing - Theory, News & General
Topic: Safe withdrawal rate at 38 years old
Replies: 95
Views: 7433

Re: Safe withdrawal rate at 38 years old

A big personal factor that people don't take into account is how much your minimum non-discretionary spending is, compared with your discretionary spending. Safe withdrawal rate calculations tend to assume that you're pulling out non-discretionary spending only. 35 or 40 times your non-discretionar...
by lostdog
Wed Jan 09, 2019 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Would your FIRE plan work had your journey started 1965?
Replies: 66
Views: 4441

Re: Would your FIRE plan work had your journey started 1965?

OP, I save 1 year of expense every year. My AA range from 70/30 to 60/40. This FIRE plan works under any stock market condition. KlangFool How is it possible to save 1 yr of expense every yr? Are you projecting lower or equal expenses in the future? Example: - gross pay: $100K, - taxes: $30K, - sav...
by lostdog
Wed Jan 09, 2019 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Which Money Market account now that interest rates have gone up?
Replies: 57
Views: 7349

Re: Which Money Market account now that interest rates have gone up?

Vanguard Federal Money Market in my brokerage account is fine. Super simple.
by lostdog
Mon Jan 07, 2019 7:31 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4063
Views: 1103344

Re: What Movie Have You Recently Watched?

Homecoming on Amazon Prime Video. It's good. No action at all but a very good story. It stars Julia Roberts.
by lostdog
Sat Jan 05, 2019 11:18 am
Forum: Local Chapters and Bogleheads Community
Topic: My favorite Boglehead posters
Replies: 142
Views: 8107

Re: My favorite Boglehead posters

vineviz

I enjoy this forum but there is a lot of misinformation, personal bias and old wives tales going on and vineviz steps in to put another spin on it and set the record straight with logic.
by lostdog
Sat Jan 05, 2019 9:56 am
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 245
Views: 15625

Re: If riskier than US, why doesn't international outperform?

If we rely on excess returns for taking excess risks, what is the risk? There is no risk. Perhaps the risk is that there is no excess return. Perhaps the risk is that there might well be severe underperformance. That would be a real risk. :confused Recency bias.... Glad I don't invest that way. I a...