Search found 139 matches

by Chrono Triggered
Wed Jan 22, 2020 10:35 pm
Forum: Personal Consumer Issues
Topic: App for bodyweight exercise
Replies: 11
Views: 1030

Re: App for bodyweight exercise

I've been using FitNotes lately and I dig it. You can copy previous workouts and adjust the weight/reps easily. Saves time when you're on a consistent program.
by Chrono Triggered
Wed Jan 22, 2020 5:06 pm
Forum: Investing - Theory, News & General
Topic: ETF to Hold for 50 Years
Replies: 69
Views: 4531

Re: ETF to Hold for 50 Years

bogledogle87 wrote:
Wed Jan 22, 2020 12:57 pm
I considered the same until I asked the question for why they did not just drop the ER's on their already-established Total Market funds, but instead created new ones?
They did.
by Chrono Triggered
Sat Jan 11, 2020 1:33 pm
Forum: Personal Investments
Topic: New Here Fidelity or Vanguard
Replies: 115
Views: 6201

Re: New Here Fidelity or Vanguard

I like Fidelity, especially since you can use their CMA as your checking account.
by Chrono Triggered
Fri Jan 10, 2020 8:05 pm
Forum: Investing - Theory, News & General
Topic: 2020 Hedge Fund contest
Replies: 138
Views: 6951

Re: 2020 Hedge Fund contest

Lavos Inc.

LONG:
BA
FB
F

SHORT:
JAZZ
VZ
WFC
by Chrono Triggered
Wed Jan 08, 2020 3:07 pm
Forum: Personal Investments
Topic: I don't want to save too much.
Replies: 96
Views: 7744

Re: I don't want to save too much.

Money provides one with options, not answers.
by Chrono Triggered
Tue Dec 17, 2019 9:05 pm
Forum: Personal Investments
Topic: Brokerage Firm Recommendation
Replies: 19
Views: 842

Re: Brokerage Firm Recommendation

I would strongly consider Fidelity.
by Chrono Triggered
Sat Dec 14, 2019 12:37 pm
Forum: Personal Investments
Topic: maximizing TSP contribution (YTD for PP 23?)
Replies: 5
Views: 473

Re: maximizing TSP contribution (YTD for PP 23?)

Did you set that $730 in advance enough for it to take effect for the first pay check in 2019? I would ensure that you indeed have 26 pay periods, since you used the word "think". As long as you don't hit the limit before the last paycheck, you will get your match. Even if your contributions would t...
by Chrono Triggered
Tue Dec 10, 2019 7:05 pm
Forum: Personal Investments
Topic: Questions regarding new vanguard roth IRA
Replies: 8
Views: 420

Re: Questions regarding new vanguard roth IRA

VTWAX - Total World Stock Market
by Chrono Triggered
Fri Dec 06, 2019 4:59 pm
Forum: Investing - Theory, News & General
Topic: Total Stock vs. S&P 500
Replies: 54
Views: 5271

Re: Total Stock vs. S&P 500

Same guy different tie.
by Chrono Triggered
Fri Dec 06, 2019 1:18 pm
Forum: Personal Investments
Topic: Markets high - good or bad day to invest?
Replies: 19
Views: 1259

Re: Markets high - good or bad day to invest?

People have asked this question since 2011. What does that tell you?
by Chrono Triggered
Thu Dec 05, 2019 12:06 pm
Forum: Personal Investments
Topic: Can someone help me purchase my first mutual fund?
Replies: 118
Views: 6697

Re: Can someone help me purchase my first mutual fund?

thelateinvestor43 wrote:
Thu Dec 05, 2019 8:13 am
My company match is most likely like 3% if that. I doubt that's anything to write home about
1. You need to find out what percent the match is.
2. How is an instant 50-100% return on your money nothing to write home about?
by Chrono Triggered
Tue Dec 03, 2019 6:29 pm
Forum: Investing - Theory, News & General
Topic: How Far Will Dow Fall During Next Retraction
Replies: 60
Views: 4328

Re: How Far Will Dow Fall During Next Retraction

-26.5489124%.

Source: I know a guy.
by Chrono Triggered
Tue Dec 03, 2019 3:19 pm
Forum: Personal Investments
Topic: Thrift Savings Plan Allocation
Replies: 13
Views: 1154

Re: Thrift Savings Plan Allocation

Pretty difficult to answer without knowing your overall portfolio.

For maximum aggressiveness, however, I would opt for 50% S and 50% I.

I wouldn't recommend it though and would instead advise 25% C, 25% S, and 50% I.
by Chrono Triggered
Tue Dec 03, 2019 2:08 pm
Forum: Personal Investments
Topic: HSA Investing
Replies: 12
Views: 1703

Re: HSA Investing

I'd personally go 100% Vanguard 500 Index Admiral (VFIAX).
by Chrono Triggered
Fri Nov 29, 2019 4:05 pm
Forum: Personal Investments
Topic: Emergency fund
Replies: 15
Views: 1292

Re: Emergency fund

If you can handle a teeny tiny bit of volatility of principal in your emergency fund balance, you could purchase short term bond funds like VCSH (short term corporate bonds) and SUB (short term municipal bonds) at any brokerage. Definitely. Short-term bonds or short-term bond funds should give plen...
by Chrono Triggered
Thu Nov 28, 2019 9:39 am
Forum: Personal Investments
Topic: Can someone help me purchase my first mutual fund?
Replies: 118
Views: 6697

Re: Can someone help me purchase my first mutual fund?

So if I just want to put a little of my savings money into a brokerage to try and make more than my savings 0.05%, BUT don't really want to risk much should I get an etf? Which one? I use Fidelity as my checking account and I use SPRXX. https://fundresearch.fidelity.com/mutual-funds/summary/31617H201
by Chrono Triggered
Tue Nov 26, 2019 6:17 pm
Forum: Personal Investments
Topic: 401K Plan
Replies: 19
Views: 1048

Re: 401K Plan

An expense ratio of 0.02 is insignificant. Opt for the 500 fund.
by Chrono Triggered
Tue Nov 26, 2019 8:37 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 462
Views: 53812

Re: Small Cap Value heads Rejoice !!!

So how have you guys settled on your amount of tilting? I do 50% SCV for US (mostly S&P 600 Value based funds), and 50% small caps for international. Super simple to re-balance. Research and this thread inspired that decision: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=38374 Hosting serv...
by Chrono Triggered
Tue Nov 26, 2019 8:26 am
Forum: Personal Investments
Topic: Can someone help me purchase my first mutual fund?
Replies: 118
Views: 6697

Re: Can someone help me purchase my first mutual fund?

Then I can just start my brokerage at Fidelity with the money above my $6K limit? I have in the higher tens of thousands to mess with, but I really only want to maybe mess with $10k at the moment. Do you have access to other tax-deferred accounts, such as a 401k or HSA? Tax-deferred space should be...
by Chrono Triggered
Sun Nov 24, 2019 7:02 pm
Forum: Personal Investments
Topic: 19 Years Old, Need some advice
Replies: 30
Views: 2909

Re: 19 Years Old, Need some advice

Why are people telling someone who has a 60+ year investing horizon to invest 100% USA? Pretty poor advice that is laden with recency bias.

OP, you seem enamored by VGT. Why are you over-weighting this specifically?
by Chrono Triggered
Sun Nov 24, 2019 6:14 pm
Forum: Personal Investments
Topic: Which funds do YOU have in your taxable account?
Replies: 81
Views: 6961

Re: Which funds do YOU have in your taxable account?

VTI, IJS, IXUS. Will have similar ones when a tax-harvesting opportunity presents itself.

50% US / 50% INTL, 0% bonds
by Chrono Triggered
Fri Nov 22, 2019 7:32 pm
Forum: Investing - Theory, News & General
Topic: Best funds fore SP600 Small cap
Replies: 14
Views: 1601

Re: Best funds fore SP600 Small cap

SLYV for SCV is 0.15% so if you're focusing on expense ratios, go with that. I wouldn't own that fund in taxable, however.
by Chrono Triggered
Wed Nov 20, 2019 7:02 pm
Forum: Investing - Theory, News & General
Topic: "The Simple Path to Wealth" -- A Gem
Replies: 46
Views: 22333

Re: "The Simple Path to Wealth" -- A Gem

bei22000 wrote:
Wed Nov 20, 2019 2:03 pm
How do we view this?
How do you feel about putting all your chips on one country?
by Chrono Triggered
Wed Nov 20, 2019 6:51 pm
Forum: Investing - Theory, News & General
Topic: Wheres best place park emergency funds these days?
Replies: 47
Views: 6057

Re: Wheres best place park emergency funds these days?

What happens if the market is up, though, and then you need the money? Won't you likely end up worse off by incurring capital gains and having to pay 15% tax on those gains? If shares are sold as a gain, there is a good chance only long term capital gains would apply which are taxed more favorably....
by Chrono Triggered
Wed Nov 20, 2019 6:06 pm
Forum: Investing - Theory, News & General
Topic: Wheres best place park emergency funds these days?
Replies: 47
Views: 6057

Re: Wheres best place park emergency funds these days?

What happens if the market is up, though, and then you need the money? Won't you likely end up worse off by incurring capital gains and having to pay 15% tax on those gains? If shares are sold as a gain, there is a good chance only long term capital gains would apply which are taxed more favorably....
by Chrono Triggered
Wed Nov 20, 2019 12:20 pm
Forum: Investing - Theory, News & General
Topic: Wheres best place park emergency funds these days?
Replies: 47
Views: 6057

Re: Wheres best place park emergency funds these days?

What happens if the market is up, though, and then you need the money? Won't you likely end up worse off by incurring capital gains and having to pay 15% tax on those gains? If shares are sold as a gain, there is a good chance only long term capital gains would apply which are taxed more favorably....
by Chrono Triggered
Wed Nov 20, 2019 9:31 am
Forum: Investing - Theory, News & General
Topic: Wheres best place park emergency funds these days?
Replies: 47
Views: 6057

Re: Wheres best place park emergency funds these days?

What happens if the market is up, though, and then you need the money? Won't you likely end up worse off by incurring capital gains and having to pay 15% tax on those gains? If shares are sold as a gain, there is a good chance only long term capital gains would apply which are taxed more favorably....
by Chrono Triggered
Mon Nov 18, 2019 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Online MBA - Worth It?
Replies: 30
Views: 2322

Re: Online MBA - Worth It?

Have you considered entrepreneurship instead?
by Chrono Triggered
Mon Nov 18, 2019 8:27 pm
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 151
Views: 13388

Re: Best thing you have ever bought?

I’m unsure of my answer yet, however many of these responses is making me want to get lasik. For me personally, it’s not about the $, but the chance of something bad happening, and the pain (I’m a baby when it comes to eyes) For what it's worth, I purposely chose PRK over LASIK because I wanted to ...
by Chrono Triggered
Mon Nov 18, 2019 8:08 pm
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 151
Views: 13388

Re: Best thing you have ever bought?

I’m unsure of my answer yet, however many of these responses is making me want to get lasik. For me personally, it’s not about the $, but the chance of something bad happening, and the pain (I’m a baby when it comes to eyes) For what it's worth, I purposely chose PRK over LASIK because I wanted to ...
by Chrono Triggered
Mon Nov 18, 2019 6:53 pm
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 151
Views: 13388

Re: Best thing you have ever bought?

Corrective eye surgery about a year and a half ago.
by Chrono Triggered
Sat Nov 16, 2019 11:53 am
Forum: Personal Investments
Topic: Charles Schwab or Fidelity?
Replies: 46
Views: 3962

Re: Charles Schwab or Fidelity?

So if I have say $1000 in SPAXX in a Fidelity cash management account and write a check for say $500, will Fidelity liquidate $500 of SPAXX to cover the check? Yes. I have a CMA account and I buy SPRXX after every paycheck. Fidelity automatically liquidates from the fund to pay for any withdrawals.
by Chrono Triggered
Fri Nov 15, 2019 6:17 pm
Forum: Investing - Theory, News & General
Topic: Wheres best place park emergency funds these days?
Replies: 47
Views: 6057

Re: Wheres best place park emergency funds these days?

VTSAX :D I understand this waves up and down less the others but I would opt not to recommend this cause its harder to access those funds if you have to sell it and right now we might be in a bull but if it drops in half and you needed funds, it would really defeat purpose of emergency funds.. and ...
by Chrono Triggered
Fri Nov 15, 2019 5:24 pm
Forum: Investing - Theory, News & General
Topic: Wheres best place park emergency funds these days?
Replies: 47
Views: 6057

Re: Wheres best place park emergency funds these days?

VTSAX :D I understand this waves up and down less the others but I would opt not to recommend this cause its harder to access those funds if you have to sell it and right now we might be in a bull but if it drops in half and you needed funds, it would really defeat purpose of emergency funds.. and ...
by Chrono Triggered
Fri Nov 15, 2019 11:28 am
Forum: Personal Investments
Topic: Charles Schwab or Fidelity?
Replies: 46
Views: 3962

Re: Charles Schwab or Fidelity?

Either is fine. I use Fidelity for most of my accounts and have been extremely satisfied.
by Chrono Triggered
Thu Nov 14, 2019 6:21 pm
Forum: Personal Investments
Topic: Asset allocation
Replies: 7
Views: 765

Re: Asset allocation

Is this in a tax-deferred plan? If so, I'd simply swap out VOO with VT (Total world, so global market weight) and a total bond (BND) and be done with it; if you were looking for simplicity.
by Chrono Triggered
Sat Nov 09, 2019 6:04 pm
Forum: Personal Investments
Topic: What’s in your TSP?
Replies: 47
Views: 3612

Re: What’s in your TSP?

50/50 C and I fund. I tilt to small in domestic and international in my other accounts.
by Chrono Triggered
Thu Nov 07, 2019 5:00 pm
Forum: Personal Investments
Topic: How much is too much in an HSA?
Replies: 51
Views: 4417

Re: How much is too much in an HSA?

No such thing as too much. Keep receipts for major medical expenses so you can withdraw here and there if you need to, but even if you still don't touch it, you can access it penalty free when you turn 65. At that point, it's similar to a traditional IRA, but without the RMDs. Only pay for medical b...
by Chrono Triggered
Sun Nov 03, 2019 10:44 am
Forum: Investing - Theory, News & General
Topic: How do you reconcile these two opposing views
Replies: 42
Views: 3956

Re: How do you reconcile these two opposing views

Ok so let me boil it down to my current problem. I need to buy some bonds right now. Here's my two viewpoints: Viewpoint A Just buy bonds as per your portfolio (ex: 3-Fund). Disregard the current yields, future expected returns, or any other predictions. Buy into BND. Viewpoint B After periods of h...
by Chrono Triggered
Tue Oct 29, 2019 3:28 pm
Forum: Personal Investments
Topic: Emergency fund part of Asset Allocation?
Replies: 20
Views: 1438

Re: Emergency fund part of Asset Allocation?

One can argue that not counting emergency funds as fixed income/bond like investments can be considered mental accounting.

Me personally, I view emergency funds as a portion of one's overall fixed income allocation.
by Chrono Triggered
Tue Oct 29, 2019 2:40 pm
Forum: Personal Investments
Topic: Holding bonds vs 100% equities
Replies: 367
Views: 23902

Re: Holding bonds vs 100% equities

The answer to this question entirely depends on age, portfolio size, years until retirement, and most importantly, behavior.
by Chrono Triggered
Tue Oct 29, 2019 10:56 am
Forum: Investing - Theory, News & General
Topic: Any interest in concise guide to HEDGEFUNDIE 3x Leveraged ETF Excellent Adventure?
Replies: 92
Views: 6344

Re: Any interest in concise guide to HEDGEFUNDIE 3x Leveraged ETF Excellent Adventure?

This thread is now two pages long. Can there be a concise guide to the concise guide of HEDGEFUNDIE 3x Leveraged ETF Excellent Adventure?
by Chrono Triggered
Mon Oct 28, 2019 9:02 pm
Forum: Investing - Theory, News & General
Topic: Four International ETFs that are better diversifiers than VXUS
Replies: 54
Views: 5715

Re: Four International ETFs that are better diversifiers than VXUS

a US-based investor who wants the benefits of international diversification may be better off selecting their international holdings specifically with an aim of maximizing that diversification benefit How would one do that? For example, 40% of my equities are in international, split 50:50 in large ...