Search found 1046 matches

by lostdog
Thu Aug 16, 2018 9:20 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 427
Views: 23258

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

It’s convinced me that people with different investment timelines do and should have different opinions on this particular subject. I wouldn’t hesitate to have VT as my line stock holding, if I were 30. I am most certainly not 30. Why does age make a difference in holding international equities?
by lostdog
Thu Aug 16, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Savings rate per month???
Replies: 21
Views: 1660

Re: Savings rate per month???

Roughly between 50% to 55%.
by lostdog
Thu Aug 16, 2018 7:34 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 427
Views: 23258

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Australian stocks have dramatically outperformed US stocks over the period from 1900 to present. That's much longer term than a mere 30 years! Since including US stocks would have dragged down returns compared to an all-Australia portfolio, why are we still considering investing in the US when the ...
by lostdog
Thu Aug 16, 2018 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 103
Views: 15469

Re: Who uses the 3 fund portfolio ?

One fund for now. Vanguard Total World. I do not see U.S. and International indexes as separate asset classes.

I'll add Vangaurd Total World Bond Index when I get older.
by lostdog
Wed Aug 15, 2018 7:55 am
Forum: Investing - Theory, News & General
Topic: Mark Cuban bullish on Netflix and Amazon
Replies: 21
Views: 1682

Re: Mark Cuban bullish on Netflix and Amazon

Mark Cuban is bullish on Netflix and Amazon. Does not own Tesla stock. Also, he is holding a tremendous amount of cash (which he stated at least twice). The whole short interview here: https://youtu.be/11kvtuuTvrM Thoughts? Are you keeping cash on the sidelines in case a great opportunity comes alo...
by lostdog
Wed Aug 15, 2018 7:41 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 427
Views: 23258

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

So much recency bias in this thread. Some should look in the mirror and ask if they're pure indexers or just have a hard time staying the course because of recency bias. Some are saying they're not adding to international even though it hits their rebalancing band or they're slowly getting out of it...
by lostdog
Tue Aug 14, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 111
Views: 7172

Re: [New Vanguard website layout starting Saturday, August 11]

I am liking the new look. Smartphone friendly also.
by lostdog
Tue Aug 14, 2018 3:14 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 427
Views: 23258

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Plenty of good advice in this thread. But, I hold the global equity market in market proportions, because I don't have a good reason to do anything else. So if you're selling international, I'm buying. +1 I don't believe US and International stocks are separate asset classes. Anything outside of wo...
by lostdog
Tue Aug 14, 2018 8:05 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 427
Views: 23258

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=2&startYear=2000&endYear=2009&initialAmount=2000000&annualOperation=0&annualAdjustment=0&inflationAdjusted=true&annualPercentage=0.0&frequency=4&rebalanceType=1&portfolio1=Custom&portfolio2=Custom&portfolio3=Custom&TotalSt...
by lostdog
Mon Aug 13, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Mid 30s Crisis: Personal budget, savings and goals
Replies: 36
Views: 6931

Re: Mid 30s Crisis: Personal budget, savings and goals

Is social media and comparing yourself to others affecting you?
by lostdog
Mon Aug 13, 2018 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Which is better? [Vanguard Total Stock Market (VTI) or Total World (VT)?]
Replies: 29
Views: 2363

Re: Which is better? [Vanguard Total Stock Market (VTI) or Total World (VT)?]

Vanguard Total World. It's the only rational choice. Any other allocation outside of world market cap is not rational.
by lostdog
Mon Aug 13, 2018 9:07 am
Forum: Investing - Help with Personal Investments
Topic: 3 funds now, or start off with 2?
Replies: 17
Views: 1099

Re: 3 funds now, or start off with 2?

Vulcan wrote:
Sun Aug 12, 2018 10:20 am
Consider Vanguard Total World Stock Index (MF or ETF) as a single zero maintenance stock holding.
+1

When you're ready to add bonds at some point in your life, you can go with Vanguard's Total World Bond index.

The rational two fund portfolio.
by lostdog
Sun Aug 12, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: When is leaving your job that pays well a good idea?
Replies: 74
Views: 6829

Re: When is leaving your job that pays well a good idea?

:idea: Studies show that happiness is a U curve throughout ones life. It starts high in the early 20's then declines gradually where it reaches a nadir at 45-50. It peaks again in the 60's. What does this mean? Is it our careers that cause our unhappiness from 25-60? Or is it because our daily strug...
by lostdog
Sun Aug 12, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: When is leaving your job that pays well a good idea?
Replies: 74
Views: 6829

Re: When is leaving your job that pays well a good idea?

It took a lot of suffering from an illness for me to "get it" and realize that we have "enough". If not for the suffering I would still be in the rat race stuck in my office staring at a computer screen all day. I recovered and I did not need to return to the rat race. My wife works full time but sh...
by lostdog
Sun Aug 12, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 24008

Re: most compelling TV character ever

atfish wrote:
Sun Aug 12, 2018 1:46 am
redd foxx on sanford and son
+1
by lostdog
Sun Aug 12, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 24008

Re: most compelling TV character ever

Jenny Lee from "Call the Midwife". My wife and I love this show.
by lostdog
Sun Aug 12, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: reliable online public forum
Replies: 24
Views: 2029

Re: reliable online public forum

Reddit.com
by lostdog
Sat Aug 11, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Advisor Mandatory?
Replies: 36
Views: 3078

Re: Financial Advidor Mandatory?

I am 40, wife is 35. $535K Net Worth. $125K Gross Income. Zero Debt. Saving near 18% in a mix of 401K's and Roth IRA's. no children currently. Do we need a financial advisor? (Two absolutely terrible experiences with financial advisors in the past who tried to sell us insurance we don't need) We ha...
by lostdog
Sat Aug 11, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Advisor Mandatory?
Replies: 36
Views: 3078

Re: Financial Advidor Mandatory?

No, you don't need a financial advisor. Read Taylor Larimore's book, "The Boglehead's guide to the Three Fund Portfolio.". You can also contact Vanguard PAS to get you started and then cancel them later.

Continue to post here with questions. People here will help you for free.
by lostdog
Sat Aug 11, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Diversification with cash held in vanguard money market
Replies: 23
Views: 2488

Re: Diversification with cash held in vanguard money market

I think that since interest rates seem to be heading up, keeping fixed income money in The VG prime mm is a good choice. It pays you over 2% and you have near instant liquidity with no meaningful chance of loss of principal. You can get a little higher rate putting the money in a bomd fund but you ...
by lostdog
Sat Aug 11, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 24008

Re: most compelling TV character ever

Magnum P.I.
by lostdog
Fri Aug 10, 2018 1:51 pm
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 151
Views: 19308

Re: International stocks in free fall

It's interesting how such a small country that is maybe 1% of the world market cap creates a day of emotional selloff affecting the world markets.
by lostdog
Fri Aug 10, 2018 1:49 pm
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 151
Views: 19308

Re: International stocks in free fall

My automatic investment into Total World Index at Vanguard went through today. Lucky...
by lostdog
Fri Aug 10, 2018 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 7654

Re: Should I tell my family/friend that they are making a financial mistake?

Only if they ask. Otherwise none of your business how they spend their money.
by lostdog
Thu Aug 09, 2018 7:29 am
Forum: Investing - Theory, News & General
Topic: HBO Hard Knocks Clip - Compound Interest Clip
Replies: 10
Views: 1304

Re: HBO Hard Knocks Clip - Compound Interest Clip

Great clip. Unfortunately this.might get locked so try to find a way to make this actionable. Great clip though.
by lostdog
Wed Aug 08, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: When is leaving your job that pays well a good idea?
Replies: 74
Views: 6829

Re: When is leaving your job that pays well a good idea?

If it's affecting your mental and physical health then come up with a plan. It's not worth it. You only have one life.
by lostdog
Tue Aug 07, 2018 7:17 am
Forum: Investing - Theory, News & General
Topic: HELP!!!!! Need to find documentation of index superiority
Replies: 32
Views: 2661

Re: HELP!!!!! Need to find documentation of index superiority

I would not get involved. Let your friends learn the hard way. Most of us on this board learned the hard way.

If your friends buy into index funds and all of a sudden there is a recession, they'll blame you.
by lostdog
Tue Aug 07, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: Relaxing - quieting the mind
Replies: 47
Views: 2922

Re: Relaxing - quieting the mind

Meditation. Read a book. I read a book called "The Power of Now". With practice it changed ged the way my mind worked. You can also look into Cognitive Behavioral Therapy material at your local library. CBT for stress and anxiety. You can also find a CBT teacher or therapist that specializes in anxi...
by lostdog
Mon Aug 06, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 773
Views: 82882

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

Orange is the new black , Season 6. On Netflix. I just finished Season 2 of The Expanse , so this is good timing. I thought that Season 5 would have ended the series, but I guess not. Season 6 seems to be a stretch, I can mostly guess where this is going. It seems that the writers ran out of ideas ...
by lostdog
Mon Aug 06, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 773
Views: 82882

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

Call The Midwife on Netflix. My wife and I enjoy this show. A great drama with awesome story telling.
by lostdog
Sun Aug 05, 2018 6:36 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 625
Views: 53124

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

The Vanguard CIO did respond. s/response/response in-kind/ https://www.bloomberg.com/news/articles/2018-08-03/vanguard-cio-says-investors-must-consider-catch-of-free-funds “Do we pay attention to the competitive environment? Absolutely. Are we reactive to what one competitor does? Absolutely not,” ...
by lostdog
Sun Aug 05, 2018 6:27 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 625
Views: 53124

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

The Vanguard CIO did respond. s/response/response in-kind/ https://www.bloomberg.com/news/articles/2018-08-03/vanguard-cio-says-investors-must-consider-catch-of-free-funds “Do we pay attention to the competitive environment? Absolutely. Are we reactive to what one competitor does? Absolutely not,” ...
by lostdog
Sun Aug 05, 2018 6:15 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 625
Views: 53124

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

drk wrote:
Sun Aug 05, 2018 4:31 pm
I don't expect a response from Vanguard. It seems that this is Fidelity's response to Vanguard's announcement of its commission-free ETF program.
The Vanguard CIO did respond.
by lostdog
Sun Aug 05, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Why international?
Replies: 26
Views: 2087

Re: Why international?

If you're equity asset allocation is anything outside of world market cap, you're making a bet. You're essentially saying you know more than other investors.

https://m.youtube.com/watch?v=LwTHLtuToSY
by lostdog
Sat Aug 04, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Comfort level with Credit Card Balance
Replies: 86
Views: 5249

Re: Comfort level with Credit Card Balance

I pay it off every month. I do not ever carry a balance.
by lostdog
Sat Aug 04, 2018 4:43 pm
Forum: Investing - Theory, News & General
Topic: 3 Levels of Wealth
Replies: 125
Views: 11400

Re: 3 Levels of Wealth

I prefer to be financially free over debt free any day of the week. Do you really believe those two things are mutually exclusive? Seems like a strawman argument. One can be financially free AND debt-free at the same time. And to your other points, MOST millionaires in this country got rich slowly,...
by lostdog
Fri Aug 03, 2018 4:59 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 625
Views: 53124

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I decided I'm going to stay the course with Vanguard Total World Index. Hopefully the price war continues and we see admiral shares of this fund.
by lostdog
Thu Aug 02, 2018 12:27 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 625
Views: 53124

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Total Stock Market/Total Intl is old news. Total World is where it's at, and for all my preference for MFs over ETFs, VT is hard to beat for maintenance-free stock holding (Admiral shares would be nice though). 0.1% is well within the range of tracking error and is not worth further attempts to opt...
by lostdog
Thu Aug 02, 2018 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Unexpected early retirement - requesting advice
Replies: 56
Views: 6594

Re: Unexpected early retirement - requesting advice

I am 42. When asked, I tell people I am retired. Nothing changed. I promise you, if they're your real friends, they'll still be your friends. Not one person in my friend circle has made any bad remarks. It really is about a person's character, not wealth. It also helps to develop the habit of not ca...
by lostdog
Thu Aug 02, 2018 7:14 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 625
Views: 53124

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Just my opinion. Before anyone makes a move from Vanguard to Fidelity maybe wait 4 to 6 months to see if Vanguard will respond to this. Also wait and see how the new Fidity index funds will pan out for a few months. I'm a bit skeptical because these funds are Fidelity's own indexes and how tax effic...
by lostdog
Wed Aug 01, 2018 4:25 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 625
Views: 53124

Re: Fidelity no cost index fund

[merged into existing thread - moderator prudent] https://www.cnbc.com/2018/08/01/fidelity-one-ups-vanguard-first-company-to-offer-no-fee-index-fund.html Thoughts on this? I'd have to assume Vanguard will follow in short order, no? Will sit tight for a few months and see how Vanguard responds. This...
by lostdog
Wed Aug 01, 2018 1:10 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 625
Views: 53124

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

ReformedSpender wrote:
Wed Aug 01, 2018 1:05 pm
Personally, I am more interested to know what Mr. Bogle is thinking right now.


:beer
I am going to guess he'll most likely say "The Vanguard Effect". If Vanguard responds the same, I will be disappointed.
by lostdog
Wed Aug 01, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 625
Views: 53124

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

First, I'm quite thankful for Bogleheads to be able to come online and instantly read (and participate in) reactions after I read a news story! Second, does anyone expect any tax implications of owning this Mutual Fund versus a similarly portfolio'd ETF? I don't understand the mechanics fully, but ...
by lostdog
Wed Aug 01, 2018 12:14 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 625
Views: 53124

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

So I can track the world index with these two funds at ZERO cost? This is actually pretty amazing.

I guess what will be up in the air is tax efficiency.
by lostdog
Wed Aug 01, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 625
Views: 53124

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Do you think Vanguard will respond? Is it even possible for Vanguard to offer zero ER?

Will these two funds be just as tax efficient?
by lostdog
Tue Jul 31, 2018 5:00 pm
Forum: Investing - Theory, News & General
Topic: DOOM!!!!! Morgan Stanley warns
Replies: 41
Views: 4778

Re: DOOM!!!!! Morgan Stanley warns

Just click bait to get them some advertising revenue. Noise!
by lostdog
Tue Jul 31, 2018 7:46 am
Forum: Personal Consumer Issues
Topic: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?
Replies: 96
Views: 8723

Re: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?

Sorry for bumping this thread, but I’m over in Minneapolis this week for work. I’m somewhat questioning if the wages are higher here just because it’s so much more expensive overall. For one I’ve noticed meals are a lot more expensive that I’m use to in Madison. Then you factor in the difference in...
by lostdog
Fri Jul 27, 2018 3:55 pm
Forum: Investing - Theory, News & General
Topic: Passive Index Investing, A Bubble Bound To Burst?
Replies: 114
Views: 11467

Re: Passive Index Investing, A Bubble Bound To Burst?

The indexing critics are getting desperate?