Search found 1357 matches

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: 25794

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: 5585

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: 818
Views: 39943

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: 70
Views: 6065

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: 19
Views: 3463

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: 189
Views: 11600

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: 70
Views: 6065

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: 70
Views: 6065

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: 70
Views: 6065

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: 347

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: 70
Views: 6065

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: 867

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: 9561

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: 1851

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: 11112

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: 1378

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: 1026
Views: 109912

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: 2143

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: 9561

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: 1378

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: 1026
Views: 109912

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: 6707

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: 6707

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: 1132

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: 7269

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: 4582

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: 13868

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: 7269

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: 2855

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: 4357

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: 7391

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: 4425

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: 7319

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: 4043
Views: 1101320

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: 8079

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: 15566

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...
by lostdog
Sat Jan 05, 2019 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Recent large raise and would appreciate some guidance
Replies: 29
Views: 2081

Re: Recent large raise and would appreciate some guidance

A 10k emergency fund is good. Avoid lifestyle creep and you'll be financially independent in 10 years. Here is my setup at Vanguard and a 401k. You can do the same at Fidelity but use the zero funds and ITOT in taxable. Taxable VMFXX-Federal money Market-10k Cash Emergency ITOT(iShares Total Stock m...
by lostdog
Fri Jan 04, 2019 11:10 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10073
Views: 1782834

Re: U.S. stocks in free fall

At 9:33 AM EDT today. All stock; All in. :| I'm good at this; I'm up VOO .87%, VXUS 1.0% in one day. :greedy Wild market moves. I haven’t been following it for many years but these back to back nearly 3% moves in opposing directions are getting pretty common. Could it possibly be because of ETF pop...
by lostdog
Fri Jan 04, 2019 10:41 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10073
Views: 1782834

Re: U.S. stocks in free fall

Anyone else doing a Roth IRA Contribution today on Total Stock Market? At 9:33 AM EDT today. All stock; All in. :| I'm good at this; I'm up VOO .87%, VXUS 1.0% in one day. :greedy Wild market moves. I haven’t been following it for many years but these back to back nearly 3% moves in opposing direct...
by lostdog
Fri Jan 04, 2019 10:30 am
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 245
Views: 15566

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

I always find it interesting to note when posts pop up. This post questioning Int'l vs US pops up after a decade of underperformance. Similar threads pop up re Value when it was outperforming. Now everyone thinks the tilt alpha is gone. I recall ~12-14 years ago when Int'l was beating (both VINEX a...
by lostdog
Fri Jan 04, 2019 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Wife spends too much money on housewares / decorating stuff.
Replies: 39
Views: 1542

Re: Wife spends too much money on housewares / decorating stuff.

It's all psychological at this point and outside of the bounds of this forum.
by lostdog
Fri Jan 04, 2019 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Wife spends too much money on housewares / decorating stuff.
Replies: 39
Views: 1542

Re: Wife spends too much money on housewares / decorating stuff.

Basic question: have you talked with her, shown her the numbers you've crunched, and shared your concern with your income going down? yep Since you've shown her the numbers, it just boils down to a behavioral issue. Getting to the core of why she is doing this. Maybe not completely cut it off but t...
by lostdog
Fri Jan 04, 2019 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Wife spends too much money on housewares / decorating stuff.
Replies: 39
Views: 1542

Re: Wife spends too much money on housewares / decorating stuff.

Basic question: have you talked with her, shown her the numbers you've crunched, and shared your concern with your income going down? yep Since you've shown her the numbers, it just boils down to a behavioral issue. Getting to the core of why she is doing this. Maybe not completely cut it off but t...
by lostdog
Fri Jan 04, 2019 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Withdrawing from taxable.
Replies: 9
Views: 1147

Re: Withdrawing from taxable.

The IRS has only indicated that IRAs are subject to wash-sale rules, so you should not be concerned about the 401k. Not accurate. The IRS has specifically ruled that trusts and corporations controlled by the taxpayer can also cause wash sales. And the IRS has not exempted 401k's and the like from w...
by lostdog
Fri Jan 04, 2019 9:25 am
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 245
Views: 15566

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

I always find it interesting to note when posts pop up. This post questioning Int'l vs US pops up after a decade of underperformance. Similar threads pop up re Value when it was outperforming. Now everyone thinks the tilt alpha is gone. I recall ~12-14 years ago when Int'l was beating (both VINEX a...
by lostdog
Fri Jan 04, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: Do you have a fun finance-related hobby?
Replies: 50
Views: 6031

Re: Do you have a fun finance-related hobby?

At the moment my hobbies are: Bogleheads forum Personal fitness A friend and loving husband to my wife World of warcraft- raids and rated battlegrounds with my friends. Very coordinated efforts and can be a bit stressful when losing. Biking, kayaking and fishing in the warm months. Hanging out with ...
by lostdog
Thu Jan 03, 2019 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Target date fund vs Intelligent portfolio
Replies: 36
Views: 1584

Re: Target date fund vs Intelligent portfolio

The Only problem with the Ishares ETFs is the fact that they are not commission free, whereas the Ishares S&P 500 index ETF (BSPAX) is commission free on Ameritrade, and the Ishares Total international index (BDOAX) is commission free too. I think these are the funds I am going to choose. I am just...
by lostdog
Wed Jan 02, 2019 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Target date fund vs Intelligent portfolio
Replies: 36
Views: 1584

Re: Target date fund vs Intelligent portfolio

Just spend a little extra time and build a portfolio using the ishares core etf's. I do not recommend bonds since you're young. Use tax efficient placement. https://www.ishares.com/us/strategies/build-your-core .03 ER 60% ITOT- U.S. Total Stock .10 ER 40% IXUS-International Total Stock That's it. So...
by lostdog
Wed Jan 02, 2019 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: VTI ITOT or SCHB ETF?
Replies: 12
Views: 565

Re: VTI ITOT or SCHB ETF?

I have a Vanguard brokerage, Roth IRA and Rollover IRA. I hold ITOT in my taxable, VTSAX and VTIAX in the IRA's. I hold ITOT in taxable because I want to avoid wash sales issues. If I have VTI in my taxable and I sell shares at a loss, I cannot buy VTSAX in my IRA's because of wash sales. ITOT is a ...