Search found 1734 matches

by lostdog
Tue Jun 18, 2019 12:12 pm
Forum: Investing - Theory, News & General
Topic: Should I abandon the Total International Stock Index Fund for greener pastures?
Replies: 92
Views: 6527

Re: Should I abandon the Total International Stock Index Fund for greener pastures?

These threads end up being performance chasers/future predictors vs logical diversified investors. Love it.
by lostdog
Tue Jun 18, 2019 9:40 am
Forum: Investing - Theory, News & General
Topic: Should I abandon the Total International Stock Index Fund for greener pastures?
Replies: 92
Views: 6527

Re: Should I abandon the Total International Stock Index Fund for greener pastures?

yes, you should. in fact, i think everyone should. we should shut down all the other stock markets. no need for any stock market other than the exchanges here in the US. everyone else is just silly investing in all those other companies. It would certainly remove the barriers that are different exp...
by lostdog
Tue Jun 18, 2019 8:31 am
Forum: Investing - Theory, News & General
Topic: Should I abandon the Total International Stock Index Fund for greener pastures?
Replies: 92
Views: 6527

Re: Should I abandon the Total International Stock Index Fund for greener pastures?

rascott wrote:
Tue Jun 18, 2019 8:17 am
Amazing how quickly people forget that the SP500 lost 1% per YEAR for the entire decade prior to this one. I've long been about 25-30% Intl....and have been considering moving to 40% after reading Vanguard (and other) research.
And it will happen again.
by lostdog
Tue Jun 18, 2019 8:22 am
Forum: Investing - Theory, News & General
Topic: Should I abandon the Total International Stock Index Fund for greener pastures?
Replies: 92
Views: 6527

Re: Should I abandon the Total International Stock Index Fund for greener pastures?

I have spent 10 years on this site. For a laymen, I am pretty well informed. Read lots of books. The funny thing is I have decided to go with a simple vanguard portfolio allocation to the extent that I can. I can't do it completely because of imbedded capital gains in other investments. Overall, my...
by lostdog
Tue Jun 18, 2019 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 420
Views: 35935

Re: Why are you NOT buying rental properties?

I just read through this thread thinking every new post from the OP would be the one that he seemed to be building up in in his very first post: I Made Millions Investing In Real Estate and You Can To!! Ask me how! Three easy payments of $49.99 +s/h. I've rarely seen someone try to sell something S...
by lostdog
Mon Jun 17, 2019 8:12 pm
Forum: Investing - Theory, News & General
Topic: Should I abandon the Total International Stock Index Fund for greener pastures?
Replies: 92
Views: 6527

Re: Should I abandon the Total International Stock Index Fund for greener pastures?

it's called recency bias. People keep repeating this, but it's not just a recent thing. Look back decades, or even a century. Sure, there were periods of out-performance here and there, but over the long run it has under-performed. Draw whatever conclusion you may, but it's not just a recent phenom...
by lostdog
Mon Jun 17, 2019 7:40 pm
Forum: Investing - Theory, News & General
Topic: Should I abandon the Total International Stock Index Fund for greener pastures?
Replies: 92
Views: 6527

Re: Should I abandon the Total International Stock Index Fund for greener pastures?

Sure go ahead and drop it. When it starts to outperform, create another thread asking if you should get back in.
by lostdog
Mon Jun 17, 2019 8:22 am
Forum: Personal Investments
Topic: Help me Built a Dividend Growth Investment Portfolio
Replies: 33
Views: 3407

Re: Help me Built a Dividend Growth Investment Portfolio

50% VYM
50% VYMI

I'm a total return investor but the above is decent diversification with the goal you're trying to reach.
by lostdog
Sun Jun 16, 2019 9:02 am
Forum: Personal Investments
Topic: Should I invest 100k into a total index or do it slowly
Replies: 50
Views: 4278

Re: Should I invest 100k into a total index or do it slowly

I will be investing 5 k per month into a vanguard total index. I wondering if should invest 100k upfront to get the compounding interest going ? Any suggestion If you are going to invest 60k per year (5k / month) I would just dump the 100k in now. I agree. +1 Lump sum wins mathematically. DCA wins ...
by lostdog
Sat Jun 15, 2019 4:00 pm
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 318
Views: 280192

Re: A time to EVALUATE your jitters

stocknoob4111 wrote:
Sat Jun 15, 2019 12:12 pm
minimalistmarc wrote:
Sat Jun 15, 2019 4:52 am
Maybe your asset allocation is too high in equities if you are worried about this.
not worried, just making a note that the market is not great. The bull run ended in Jan 2018 which is quite a long time ago.
Similar to 2015 and 2016.
by lostdog
Sat Jun 15, 2019 9:03 am
Forum: Personal Investments
Topic: Why asset allocation should match market capitalization
Replies: 16
Views: 2290

Re: Why asset allocation should match market capitalization

Market cap is the most efficient. It is always in balance. It reflects the total wisdom of the market. Betting against the market implies you know something the rest of the market doesn't know or that you have different goals than the market. +1 It's so freeing to know this. Investing enlightenment...
by lostdog
Sat Jun 15, 2019 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Should I call it quits?
Replies: 23
Views: 4738

Re: Should I call it quits?

It doesn't matter what other people think. Who cares what label you put on your life. If your wife is fine with it and won't resent you, you're good. It sounds like she genuinely enjoys her career. If you have the means to stay at home and take of your kids, go ahead. Life is short, do the things yo...
by lostdog
Fri Jun 14, 2019 10:37 am
Forum: Personal Investments
Topic: Pacific Life Index Universal Life Insurance
Replies: 16
Views: 1507

Re: Pacific Life Index Universal Life Insurance

Once you tune out the salesman and start crunching the numbers, you'll realize it's garbage. It was created to line the pockets of the salesman.
by lostdog
Fri Jun 14, 2019 8:59 am
Forum: Investing - Theory, News & General
Topic: Should you buy VTSAX or VTI in a taxable account?
Replies: 16
Views: 1605

Re: Should you buy VTSAX or VTI in a taxable account?

The difference is psychological. If you value simplicity, VTSAX is the way to go. ETF's are slightly more complicated. Hi lostdog, can you explain how ETFs are more complicated? Sure. For me, I like investing the entire amount of money I'm willing to invest that day. I can buy $100 worth of VTSAX b...
by lostdog
Fri Jun 14, 2019 8:46 am
Forum: Personal Investments
Topic: Higher dividend VG MF than VTSAX ? [Vanguard Mutual Fund]
Replies: 20
Views: 1504

Re: Higher dividend VG MF than VTSAX ?

Receiving dividends is like a forced sell. You have better control of taxes with VTSAX. It's ok to sell some shares because shares appreciate. It's a fallacy when dividend investors say it's bad selling shares. Source: https://earlyretirementnow.com/2019/02/13/yield-illusion-swr-series-part-29/ http...
by lostdog
Fri Jun 14, 2019 8:39 am
Forum: Investing - Theory, News & General
Topic: Should you buy VTSAX or VTI in a taxable account?
Replies: 16
Views: 1605

Re: Should you buy VTSAX or VTI in a taxable account?

As others said, they're the same.

The difference is psychological. If you value simplicity, VTSAX is the way to go. ETF's are slightly more complicated.
by lostdog
Thu Jun 13, 2019 7:24 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 10669

Re: Retired at 35 and have no friends :(

It doesn't matter what other people think. Once you master this, you'll be set free.

Ask yourself what you would enjoy doing? When you wake up in the morning you look forward to doing?

Start doing it.
by lostdog
Wed Jun 12, 2019 9:46 am
Forum: Personal Investments
Topic: $1 million Where to Park?
Replies: 19
Views: 3551

Re: $1 million Where to Park?

I have $1 million (taxable account) that I have to park somewhere for 9 to 12 months. I want liquidity, and safety. I have the highest tax bracket Federal and State. I am very confused with all these Vanguard MM funds... VUSXX VMFXX VMRXX VMMXX etc. I would love some advice what is BOGLEHEADS sugge...
by lostdog
Sun Jun 09, 2019 9:19 pm
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 173
Views: 17614

Re: VTSAX or VTWAX over the next 35 years?

visualguy wrote:
Sun Jun 09, 2019 9:12 pm
lostdog wrote:
Sun Jun 09, 2019 9:01 pm
Sure it did, for 11 years....
You forgot to put a zero to the right of that number...
That's good. Hopefully you're right about the future. Good luck.
by lostdog
Sun Jun 09, 2019 9:01 pm
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 173
Views: 17614

Re: VTSAX or VTWAX over the next 35 years?

oldzey wrote:
Sun Jun 09, 2019 8:15 pm
Looks like VTSAX has the added benefit of sparking joy, as well as outperforming VTWAX:

Image
Sure it did, for 11 years....
by lostdog
Sun Jun 09, 2019 7:47 pm
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 173
Views: 17614

Re: VTSAX or VTWAX over the next 35 years?

My personal view is that no one can convince the other wrt this topic since it is inherently political. You just can't convince the opposition no matter what data you throw at each other - it's more of an ideology conflict . I think many of us have had this observation. The forum doesn't allow poli...
by lostdog
Sun Jun 09, 2019 1:58 pm
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 173
Views: 17614

Re: VTSAX or VTWAX over the next 35 years?

I keep checking Morningstar and the WSJ to see if Taylor has been proven wrong yet. Nope, hasn’t happened. VITSAX it is. Wouldn’t you rather upgrade to VTWAX before it outperforms than after? When there is a decade of international out performance, he'll keep checking Morningstar, WSJ and Boglehead...
by lostdog
Sun Jun 09, 2019 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Quicken alternatives?
Replies: 46
Views: 3207

Re: Quicken alternatives?

I decided to stick with Quicken. The new ownership is doing a wonderful job. The software is super stable and useful for me.
by lostdog
Sun Jun 09, 2019 8:55 am
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 173
Views: 17614

Re: VTSAX or VTWAX over the next 35 years?

Bogleheads are such ironic beasts sometimes: Bogleheads in general: past performance doesn't predict future returns! VTSAX proponents: USA has outperformed international for a long time. See chart. VTWAX proponent: you can't use past performance! Look at this chart of economies over the past centur...
by lostdog
Sat Jun 08, 2019 1:25 pm
Forum: Investing - Theory, News & General
Topic: Morningstar article on avoiding home country bias
Replies: 8
Views: 623

Re: Morningstar article on avoiding home country bias

Being diversified allows me too sleep well at night. When international will out-perform, I will still be sleeping well at night. The home bias crowd will start threads contemplating getting back in like they did in 2017. They will be pacing and hand wringing and losing some sleep because Jack got i...
by lostdog
Thu Jun 06, 2019 9:38 am
Forum: Investing - Theory, News & General
Topic: US stocks still look better than anywhere else
Replies: 100
Views: 7551

Re: US stocks still look better than anywhere else

Here we go on the U.S./ex. U.S. merry-go-round again. "Bogle was right! Ex-U.S. has gone nowhere for decades! The U.S. is the cat's meow!" etc. etc. "Bogle was just lucky. The EMH says that everything is priced in. You just believe in the ridiculous American 'exceptionalism' argument and past perfo...
by lostdog
Thu Jun 06, 2019 9:35 am
Forum: Investing - Theory, News & General
Topic: US stocks still look better than anywhere else
Replies: 100
Views: 7551

Re: US stocks still look better than anywhere else

Here we go on the U.S./ex. U.S. merry-go-round again. "Bogle was right! Ex-U.S. has gone nowhere for decades! The U.S. is the cat's meow!" etc. etc. "Bogle was just lucky. The EMH says that everything is priced in. You just believe in the ridiculous American 'exceptionalism' argument and past perfo...
by lostdog
Thu Jun 06, 2019 9:34 am
Forum: Investing - Theory, News & General
Topic: US stocks still look better than anywhere else
Replies: 100
Views: 7551

Re: US stocks still look better than anywhere else

Here we go on the U.S./ex. U.S. merry-go-round again. "Bogle was right! Ex-U.S. has gone nowhere for decades! The U.S. is the cat's meow!" etc. etc. "Bogle was just lucky. The EMH says that everything is priced in. You just believe in the ridiculous American 'exceptionalism' argument and past perfo...
by lostdog
Thu Jun 06, 2019 9:33 am
Forum: Investing - Theory, News & General
Topic: US stocks still look better than anywhere else
Replies: 100
Views: 7551

Re: US stocks still look better than anywhere else

Not surprised in the least. Still holding 0% international in my AA, just got back from travels in Europe.... sufficed to say after nearly having to beg for my bill each time so I could leave (you “rent” the table for the night), and get yelled at because I sat at a table to drink my latte (after n...
by lostdog
Thu Jun 06, 2019 9:31 am
Forum: Investing - Theory, News & General
Topic: US stocks still look better than anywhere else
Replies: 100
Views: 7551

Re: US stocks still look better than anywhere else

"US stocks still look better than anywhere else" Yup. :beer Here we go again. Another confirmation bias thread. The weekly or bi weekly self pat on the back from the same crowd over and over. It's like they constantly have to talk themselves into it to make their decision valid. I think they call t...
by lostdog
Tue Jun 04, 2019 10:21 am
Forum: Personal Investments
Topic: Is a two fund portfolio best for me?
Replies: 9
Views: 606

Re: Is a two fund portfolio best for me?

No, I have not decided whether or not to hold foreign stocks. When I first read Bogle's book Common Sense Investing over a year ago, I quickly pulled my funds out of high priced mutual funds and set my 90/10 allocation because it seemed reasonable. I told myself to not tinker as I learned more abou...
by lostdog
Tue Jun 04, 2019 8:09 am
Forum: Investing - Theory, News & General
Topic: Diversification Regret Index
Replies: 131
Views: 16592

Re: Diversification Regret

In my few years here both as a lurker and as a poster, I have seen the standard advice here drop from five funds down to two. This has happened in maybe eight years and it is alarming. The stay the course folks have not been staying the course. I have seen TIPS, REITs, and now International Stocks ...
by lostdog
Sat Jun 01, 2019 9:18 am
Forum: Investing - Theory, News & General
Topic: Clark Howard likes Vanguard
Replies: 5
Views: 959

Re: Clark Howard likes Vanguard

Clark Howard is my favorite also.
by lostdog
Fri May 31, 2019 8:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11008
Views: 1918674

Re: U.S. stocks in free fall

Don't take his advice literally. You'll have to sell if you want to retire. What's the point of buying an asset if you never sell it? Leave it to your kids? I am retired and have been for years. I have more than enough income with SS and an old school defined benefit plan. I brew my own coffee and ...
by lostdog
Fri May 31, 2019 3:29 pm
Forum: Personal Consumer Issues
Topic: Does money/lack of money preoccupy you?
Replies: 85
Views: 6846

Re: Does money/lack of money preoccupy you?

The good thing is that you identified it. You observed it.

That is a big one.
by lostdog
Thu May 30, 2019 10:27 am
Forum: Personal Investments
Topic: Is VMFXX better than VMMXX now?
Replies: 28
Views: 2715

Re: Is VMFXX better than VMMXX now?

Federal Money Market is a good one. It's very close between the two. I use it for the added simplicty. Since it's a settlement account, it shaves off one extra day for ACH transfers.
by lostdog
Thu May 30, 2019 9:38 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer
Replies: 59
Views: 5446

Re: Jim Cramer

Sometimes I watch CNBC while I'm working out at the gym. I came to the conclusion that all of the talk from the anchors at the desk is comparable to sports casters calling a sporting event. Mostly noise and guesses with calling market movements in between. Really, it's all mostly junk on CNBC.
by lostdog
Wed May 29, 2019 9:31 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Home Country Bias Ubiquitous
Replies: 37
Views: 4482

Re: Larry Swedroe: Home Country Bias Ubiquitous

I'm guessing most of the U.S. only and very low International allocation posters are stuck in the cold war and earlier era. Then making "arm chair" expert opinions on international allocation. I'll take Vanguard's advice.
by lostdog
Wed May 29, 2019 9:24 pm
Forum: Investing - Theory, News & General
Topic: 2% withdrawal rate
Replies: 182
Views: 12728

Re: 2% withdrawal rate

You'll win the wealthiest guy in the grave yard award. Grats.
by lostdog
Wed May 29, 2019 9:58 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Home Country Bias Ubiquitous
Replies: 37
Views: 4482

Re: International Allocation Suggestion

Bogleheads: In 2016 I made a post suggesting a 25% International Allocation for USA Investors. I feel the same today: https://www.bogleheads.org/forum/viewtopic.php?t=196956 Best wishes. Taylor I thought that your recommendation was 20% which is what I am currently using? bikechuck: You are correct...
by lostdog
Wed May 29, 2019 8:35 am
Forum: Investing - Theory, News & General
Topic: Valuations of International Equities vs. US Equities
Replies: 31
Views: 2886

Re: Valuations of International Equities vs. US Equities

WhiteMaxima wrote:
Thu May 23, 2019 6:45 pm
VTWAX
VTWAX and chill.
by lostdog
Wed May 29, 2019 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 171
Views: 14873

Re: Fun paid jobs after FIRE

Jags4186 wrote:
Wed May 29, 2019 6:44 am
Seems like starting and monetizing a blog to tell people how awesome FIRE is is the FIRE career of choice.

Best of all you can do it from your couch.

You can even go on the FIRE retreats and meet all the other FIRE people!
LMAO!
by lostdog
Wed May 29, 2019 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 171
Views: 14873

Re: Fun paid jobs after FIRE

There are no "jobs" after FIRE. If you have a job, you aren't FIRE'd. Sure, you can have one or many hobbies. If your idea of a hobby is to put on a fancy red vest and play the "expert" at ACE, then more power to you! :beer Many people don't agree with this. For many, FIRE means you have the freedo...
by lostdog
Tue May 28, 2019 8:41 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Home Country Bias Ubiquitous
Replies: 37
Views: 4482

Re: International Allocation Suggestion

Bogleheads: In 2016 I made a post suggesting a 25% International Allocation for USA Investors. I feel the same today: https://www.bogleheads.org/forum/viewtopic.php?t=196956 Best wishes. Taylor Vanguard feels 40% is good for U.S. investors. https://investor.vanguard.com/investing/investment/interna...
by lostdog
Tue May 28, 2019 8:29 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Home Country Bias Ubiquitous
Replies: 37
Views: 4482

Re: Larry Swedroe: Home Country Bias Ubiquitous

All Seasons wrote:
Tue May 28, 2019 5:01 pm
What’s even more ubiquitous than home country bias is the laundry list of silly arguments being put forth trying to justify it. :oops:
+1

After awhile you can read between the lines and come to other conclusions that are not allowed to be discussed on this forum.
by lostdog
Tue May 28, 2019 5:17 pm
Forum: Personal Investments
Topic: Kids accounts: Vanguard Total World Stock
Replies: 36
Views: 3389

Re: Kids accounts: Vanguard Total World Stock

Thank you all for responses. I think for now I will go with VTWAX, we are talking about a relatively small amount per kid in the grand scheme for now. And the purchase minimum for VTWAX is $3,000 which is exactly the amount to be invested! :beer Great. Might as well get them started out without the...