Search found 1102 matches

by qwertyjazz
Tue Jun 25, 2019 7:27 pm
Forum: Personal Investments
Topic: Why does AA matter as long as I stick to it?
Replies: 26
Views: 2582

Re: Why does AA matter as long as I stick to it?

OP, You are probably correct that sticking to an AA is probably a larger driver of return than picking the individual AA. But as the responses indicate, if it is maintained, the AA choice is next in importance. If you panic sell and chase the market to buy, it does not matter what you are AA is othe...
by qwertyjazz
Fri Jun 21, 2019 1:52 pm
Forum: Investing - Theory, News & General
Topic: Facebook Libra Cryptocurrency - effect on stocks or bonds?
Replies: 42
Views: 3782

Re: Facebook Libra Cryptocurrency - effect on stocks or bonds?

Money is what a group of people decide is money and use as such. Libra might become such. In parts of Africa, time cards for phone calls are used to buy multiple goods. To me, the classic study is that of cigarettes in a POW camp. Libra will have use on Facebook and as such it might have use outside...
by qwertyjazz
Tue May 07, 2019 8:18 pm
Forum: Investing - Theory, News & General
Topic: point of maximal pessimism for international investing
Replies: 66
Views: 5568

Re: point of maximal pessimism for international investing

I'm for 100% USA. In fact, I refuse to hold index funds because I've recently learned that many US firms actually do business in non-USA countries, depressing returns. This shocking fact has led me to craft a pure "America First" portfolio. I only purchase USA based companies that refuse to do busi...
by qwertyjazz
Mon May 06, 2019 1:57 pm
Forum: Personal Investments
Topic: Selling in MAY and ....... ?
Replies: 18
Views: 1983

Re: Selling in MAY and ....... ?

Thesaints wrote:
Sun May 05, 2019 5:54 pm
ResearchMed wrote:
Sun May 05, 2019 5:53 pm
Thesaints wrote:
Sun May 05, 2019 5:48 pm
It rhymes; it must be true.
But this ^^ didn't rhyme... :?:

RM
That means I'm wrong ;)
If it is a rhyme then it is time
by qwertyjazz
Sun Mar 17, 2019 8:27 pm
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 790
Views: 80838

Re: That's enough for me in 2019

The actionable part is that MT has done well throughout. Income and savings rate are in some ways much more important than investments. This board has a very high percentage of people with degrees, good jobs and tastes that do not extend beyond their income. Leverage - don’t leverage —- internationa...
by qwertyjazz
Thu Feb 28, 2019 7:08 pm
Forum: Personal Investments
Topic: Military Family- AA HELP!! Restructure HELP to GOALs
Replies: 9
Views: 626

Re: Military Family- AA HELP!! Restructure HELP to GOALs

You state your goal is a number. 1 million dollars (cue Dr Evil) by 35 - that would make you winners? You might want to restate goals and then aim for money/risk you want to take to get there etc. Are you looking to retire early? Do you want to both do 20? Do you want to work after service? etc etc ...
by qwertyjazz
Wed Feb 06, 2019 7:17 am
Forum: Investing - Theory, News & General
Topic: If you are old, why bother with rebalancing!!?
Replies: 114
Views: 8024

Re: If you are old, why bother with rebalancing!!?

What event lead the OP (livesoft) to this inspiration/revelation? Or has OP decided not to care anymore? I've read a few "help me with my portfolio" threads in the past few weeks from retirees in their late 60's or older who have been worried about managing their portfolios or want to dis-engage fr...
by qwertyjazz
Sat Feb 02, 2019 7:07 am
Forum: Investing - Theory, News & General
Topic: The "never sell" method for staying the course
Replies: 28
Views: 3575

Re: The "never sell" method for staying the course

This seems to me to be a mostly reasonable strategy. There is not a rebalancing bonus (mostly except in certain specific conditions). You spend money in dollars not percentages so an AA does not actually control you ‘risk’ as to do so would have to account in some way for wealth. The big question is...
by qwertyjazz
Sun Jan 27, 2019 10:31 am
Forum: Investing - Theory, News & General
Topic: Emergency Fund
Replies: 24
Views: 2406

Re: Emergency Fund

If the only way to fund a Roth is that it acts as the EF, it is far better to do so than not fund it. You lose the space each year you do not fund it. If you worry about having to raid principle then simply leave it in a money market fund. Adjust that based on risk of having to withdrawl +1 on Check...
by qwertyjazz
Sat Jan 26, 2019 6:13 am
Forum: Investing - Theory, News & General
Topic: Set it and forget it
Replies: 74
Views: 13529

Re: Set it and forget it

You'll be a better investor when you forget about your investments, providing you pick decent ones from the start. Out of curiosity, I wonder if there are any here who genuinely never look at their portfolio. I strongly doubt that anyone here does, if for no other reason than to ensure that all con...
by qwertyjazz
Sun Jan 20, 2019 4:50 pm
Forum: Investing - Theory, News & General
Topic: Is using an Asset Allocation Mental Accounting?
Replies: 46
Views: 2206

Re: Is using an Asset Allocation Mental Accounting?

Investing is not a science and should not be treated as such. Investing is very much a science. It's just that for a long time the focus has been on studying the securities being bought and sold rather than the people who were doing the buying and selling. The fact that humans are emotional and not...
by qwertyjazz
Sat Jan 19, 2019 10:53 pm
Forum: Investing - Theory, News & General
Topic: Is using an Asset Allocation Mental Accounting?
Replies: 46
Views: 2206

Re: Is using an Asset Allocation Mental Accounting?

TheTimeLord, I'm not sure where you're going on this. I will say, and have said, that during 2008-2009 I found that I was thinking of the downturn, not as a percentage loss, and not as a dollar loss, but as a loss of years of patient savings and progress toward our goal. The experience was not "my ...
by qwertyjazz
Fri Jan 11, 2019 6:47 am
Forum: Investing - Theory, News & General
Topic: Salary, Portfolio size, and Asset Allocation
Replies: 33
Views: 2913

Re: Salary, Portfolio size, and Asset Allocation

No really read ‘are you a stock or a bond?’ https://www.kitces.com/blog/investing-around-human-capital-is-your-clients-career-a-stock-or-a-bond/ Above is a review AA is just a model - need ability willingness to take risk is a very fuzzy concept You may wind up at the same point as with the fuzzy mo...
by qwertyjazz
Thu Jan 10, 2019 8:23 pm
Forum: Investing - Theory, News & General
Topic: Salary, Portfolio size, and Asset Allocation
Replies: 33
Views: 2913

Re: Salary, Portfolio size, and Asset Allocation

See stuff on ‘are you more a bond or stock?’ You do not get paid unless you keep your job so you need to count your analysis as to whether you are tenured faculty at a university or in sales etc
You also need to think through correlation of future income and changes in the stockmarket
by qwertyjazz
Wed Jan 09, 2019 6:24 am
Forum: Investing - Theory, News & General
Topic: Talk me out of a 60/40 AA
Replies: 103
Views: 15537

Re: Talk me out of a 60/40 AA

Until this discussion, the key point I understood in picking an AA was in essence to protect the investor from doing something stupid during a market downturn. This quoted all over the place with an expectation of 50% reduction in value in equities with bonds in theory maintaining value. Based on t...
by qwertyjazz
Sun Jan 06, 2019 12:59 pm
Forum: Investing - Theory, News & General
Topic: Who has the highest allocation to international stocks?
Replies: 65
Views: 6398

Re: Who has the highest allocation to international stocks?

JoMoney wrote:
Sun Jan 06, 2019 7:02 am
If I'm currently living outside the U.S., can i count my S&P 500 index fund as being 100% international?
Yes but single country risk
You might want to consider diversifying risk :wink:
by qwertyjazz
Tue Jan 01, 2019 6:04 pm
Forum: Personal Investments
Topic: Anyone else in frontier markets?
Replies: 31
Views: 1696

Re: Anyone else in frontier markets?

The total market capitalization of the MSCI Frontier Markets Index ) is $0.112 trillion. The total market capitalization of the FTSE Global All-Cap Index is $49 trillion. Just to be clear, we are talking about putting 4% 2% of a portfolio into 0.23% of the world's stocks. Frontier markets. Tall tal...
by qwertyjazz
Sun Dec 30, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford private school & savings & student debt?
Replies: 39
Views: 2743

Re: Can we afford private school & savings & student debt?

At your income you can but not with your expenses - are you willing to travel less, move into a studio etc? How important is your child’s private school education to you? Then work backwards. At your income you can afford most things but not everything together
by qwertyjazz
Sat Dec 29, 2018 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to pay off med school loans
Replies: 18
Views: 1613

Re: Best way to pay off med school loans

A gaurenteed 6.8 % return is pretty great. I would probably take the hit from the tax deferred space and just pay off her loans first. You should be able to pay her loans off in a couple of years. Then while having the higher income of 2 MDs and putting money into retirement accounts, you can still ...
by qwertyjazz
Thu Dec 27, 2018 10:08 pm
Forum: Personal Investments
Topic: Vanguard Dollar Cost Averaging - Any way to do it more frequently?
Replies: 21
Views: 1665

Re: Vanguard Dollar Cost Averaging - Any way to do it more frequently?

The Carson article describes monthly DCA. Given TLH only requires clicking a button for each lot when selling and taxes are handled en made by Vanguard, pushing it to daily or shorter would increase TLH capabilities and potentially further smooth out DCA further. If with ETFs and planning to DCA and...
by qwertyjazz
Wed Dec 26, 2018 8:50 pm
Forum: Investing - Theory, News & General
Topic: What’s your TLH Strategy [Tax Loss Harvest]
Replies: 42
Views: 2818

Re: What’s your TLH Strategy

livesoft wrote:
Mon Dec 24, 2018 12:52 pm
I look to see if I have losses to TLH on days that are RBDs.
I asked this on another thread. But I saw this. How do you continue to TLH and buy on RBDs without having to own a ridiculous number of funds?
Thank you
QJ
by qwertyjazz
Wed Dec 26, 2018 8:34 pm
Forum: Investing - Theory, News & General
Topic: How many funds for TLH for an accumulator - logistics
Replies: 2
Views: 185

Re: How many funds for TLH for an accumulator - logistics

You cannot "continue to invest intermittently" while tax loss harvesting. If you want to claim a capital loss on a sale, you must avoid buying or selling any "substantially identical" fund for 31 days before AND after your TLH. This thread is helpful: https://www.bogleheads.org/forum/viewtopic.php?...
by qwertyjazz
Wed Dec 26, 2018 8:25 pm
Forum: Investing - Theory, News & General
Topic: How many funds for TLH for an accumulator - logistics
Replies: 2
Views: 185

How many funds for TLH for an accumulator - logistics

So I am new to tax loss harvesting and wound up with only a pair of funds. The problem I ran into was trying to tax loss harvest losses in both funds while continuing to invest intermittently. I want to both sell and buy in each fund of the pair. What are the logistic tricks for this? Is there an op...
by qwertyjazz
Wed Dec 26, 2018 9:06 am
Forum: Investing - Theory, News & General
Topic: 100% stocks vs 80% just to rebalance? (Edit: Inside retirement accounts)
Replies: 24
Views: 2588

Re: 100% stocks vs 80% just to rebalance?

There have been decade long periods where cash has outperformed stocks. On average stocks have outperformed in the past, but there are no gaurentees for them to continue to do so, yet alone any time period. If you are willing to go across countries and centuries (1800’s to 1900’s), the periods of st...
by qwertyjazz
Wed Dec 26, 2018 8:52 am
Forum: Personal Investments
Topic: Options for CD interest payments at Vanguard?
Replies: 9
Views: 665

Re: Options for CD interest payments at Vanguard?

Check out the settlement rates currently. It is not a bad deal if you expect rates to rise and do not want to be stuck with long term CDs while waiting to buy new ones
by qwertyjazz
Sun Dec 23, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: "Masters in Counseling" vs. "Masters in Social Work" (Massachusetts)
Replies: 21
Views: 1928

Re: "Masters in Counseling" vs. "Masters in Social Work" (Massachusetts)

Have her check state laws in whatever states she will likely wind up in in terms of independence practice. Make sure she is trained in CBT and EMDR either with coursework or afterwords. Ask about how they arainge post schooling practice to gain hours. I have only seen both from the outside once they...
by qwertyjazz
Sun Dec 23, 2018 7:58 am
Forum: Personal Investments
Topic: Fidelity T Bill Auto-roll,please critique
Replies: 25
Views: 2280

Re: Fidelity T Bill Auto-roll,please critique

Earlier this month, I started buying 4 week Tbills, buying one fourth of the total purchase every week. Rates are about the same for the 4 week, 8, week, and 13 week so like the greater liquidity of the 4 week auto roll. https://www.treasury.gov/resource-center/data-chart-center/interest-rates/page...
by qwertyjazz
Sun Dec 23, 2018 7:47 am
Forum: Personal Investments
Topic: Fidelity T Bill Auto-roll,please critique
Replies: 25
Views: 2280

Re: Fidelity T Bill Auto-roll,please critique

Why not use Vanguard Treasury money market? good point. i started out rolling tbils that fidelity and ended up in Vanguard treasury money market. I appreciate the input on having to call to cancel. I am leaning towards Vanguard treasury money market at this point. A couple factors of potential acco...
by qwertyjazz
Sun Dec 23, 2018 7:43 am
Forum: Personal Investments
Topic: Fidelity T Bill Auto-roll,please critique
Replies: 25
Views: 2280

Re: Fidelity T Bill Auto-roll,please critique

stlutz wrote:
Sat Dec 22, 2018 10:45 am
Why not use Vanguard Treasury money market?
Because I had not thought of it. The $450 a year cost for 500k with fees of 0.09% is probably worth the advantage in liquidity and headaches.
Thank you
QJ
by qwertyjazz
Sat Dec 22, 2018 10:42 am
Forum: Personal Investments
Topic: Fidelity T Bill Auto-roll,please critique
Replies: 25
Views: 2280

Re: Fidelity T Bill Auto-roll,please critique

Why not go to Merrill Edge and snag $900 bonus with $200k of that amount? With that, if you have Bank of America credit cards, you will get 75% bonus on the rewards. You can buy TIPS or Money Market funds through ME if you are worried about safety of your principal. I had been worried about their a...
by qwertyjazz
Sat Dec 22, 2018 6:51 am
Forum: Personal Investments
Topic: Fidelity T Bill Auto-roll,please critique
Replies: 25
Views: 2280

Fidelity T Bill Auto-roll,please critique

I have just sold a primary residence and have 500k in cash in 2 bank accounts. I am not sure if the timing of using this money for either private investments or even housing (but disliked the experience of selling real estate and enjoy renting). I am thinking of putting the money largely into Fideli...
by qwertyjazz
Thu Oct 18, 2018 1:47 pm
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 127
Views: 16001

Re: Sears, a 125 year old company is now a penny stock.

You're saying that Blockbuster shareholders would not have wanted Blockbuster to retool itself to be where Netflix, one of the largest companies in the world, is today? :shock: Wanting and doing are not the same thing. What you often or usually get in 'disrupted' industries are managements skilled ...
by qwertyjazz
Wed Oct 17, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 127
Views: 16001

Re: Sears, a 125 year old company is now a penny stock.

Trying to totally reinvent the way Kodak or Blockbuster would have had to isn't necessarily in shareholder interest. It's not always bad from investor POV if managements accept the doom of their company. The problem is often IMO value destruction that occurs while the managements seek implausible r...
by qwertyjazz
Tue Sep 25, 2018 8:49 pm
Forum: Investing - Theory, News & General
Topic: My CAPE10 based IPS
Replies: 103
Views: 6574

Re: My CAPE10 based IPS

I am pretty sure about a future including death and taxes
http://freakonomics.com/2011/02/17/quot ... and-taxes/
by qwertyjazz
Thu Sep 06, 2018 5:11 am
Forum: Personal Finance (Not Investing)
Topic: Help make me more employable
Replies: 18
Views: 2702

Re: Help make me more employable

Patent law - market research —- both at a level to at least be able to identify who is giving you good advice and who is BS
by qwertyjazz
Thu Aug 16, 2018 4:22 pm
Forum: Non-US Investing
Topic: Enough. How do I invest in Australia. [as a US investor]
Replies: 63
Views: 5937

Re: Enough. How do I invest in Australia.

I repeat. I want to use the data on the exact index used to achieve the performance for the claim that Australia has outperformed the US for the past 118 years. My goal is not to pick a general Australian index fund and invest in that. That's not the basis for the claim. I want to crack open the my...
by qwertyjazz
Thu Aug 16, 2018 12:08 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 111701

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

That's very true of most world markets. Australia, for instance, has a market capitalization of about $1.5 trillion. But the U.S. is roughly 50% of the world's market capitalization, over $30 trillion. The U.S. only investor is buying a stake in 50% of the world's stock; no other home-country-only ...
by qwertyjazz
Wed Aug 15, 2018 4:19 pm
Forum: Investing - Theory, News & General
Topic: Is short-term dollar-cost averaging (e.g. across 1 week) beneficial?
Replies: 21
Views: 1334

Re: Is short-term dollar-cost averaging (e.g. across 1 week) beneficial?

Most of the wins and losses of the stock market are over a few days. On average stocks go up, but they can go down a lot on a day. Momentum shows some linkage between adjacent days. Thems the trade offs of DCA vs lump sum over a short time period if you ignore psychology (which is also important). R...
by qwertyjazz
Sun Aug 12, 2018 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Private Banking is a trap. Don't do it!
Replies: 55
Views: 7756

Re: Private Banking is a trap. Don't do it!

You can be direct without being rude. Just let them know that based on your needs and what you've learned since becoming a private banking client that you'd like to revert back to your 'regular' status. Of course they'll likely continue to push until you have to be rude but you can at least start o...
by qwertyjazz
Thu Aug 09, 2018 9:02 am
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 218
Views: 18871

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

How many funds/ETFs disappeared after the last crash? This is a fairly exotic idea and could certainly see it being abandoned in the afternath if some ugly market times. Excellent point - liquidation risk with time money tied up working through it and capital gains - as well as downmarket contracti...
by qwertyjazz
Thu Aug 09, 2018 8:37 am
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 218
Views: 18871

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

In theory this fund is tailor made for me which paradoxically worries me. How could it blow up? What is its real risk of not minor under-performance but rather truly awful returns or even being wiped out? Too good to be true worries me. The comparison is 100% SP or it’s ilk in mind. So I am not tal...
by qwertyjazz
Thu Aug 09, 2018 7:53 am
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 218
Views: 18871

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

In theory this fund is tailor made for me which paradoxically worries me. How could it blow up? What is its real risk of not minor under-performance but rather truly awful returns or even being wiped out? Too good to be true worries me. The comparison is 100% SP or it’s ilk in mind. So I am not talk...
by qwertyjazz
Tue Aug 07, 2018 9:06 pm
Forum: Personal Investments
Topic: Withdrawal rate with option to go back to work
Replies: 9
Views: 844

Re: Withdrawal rate with option to go back to work

I think you need to start with what do you mean by a SWR and what do you mean by an option to return to work. That is, what percent chance of having trouble are you willing to accept and how much income could you reasonably reproduce and for how long? Check out ERN article and you might find it coul...
by qwertyjazz
Tue Aug 07, 2018 9:25 am
Forum: Investing - Theory, News & General
Topic: "Don't Obsess About Expense Ratios"
Replies: 240
Views: 23326

Re: "Don't Obsess About Expense Ratios"

Pre-Fidelity announcement: "Lowest expense ratio possible is essential!" Post-Fidelity announcement: "Actually, don't worry about them! Stay with Vanguard!" People have been using this strawman a lot, but they never cite who in the present discussions actually said it. I at least have pointed out o...
by qwertyjazz
Sat Aug 04, 2018 6:57 am
Forum: Investing - Theory, News & General
Topic: At what point in history, would I recognize low cost modern index funds?
Replies: 5
Views: 869

At what point in history, would I recognize low cost modern index funds?

Ben Carlson, as usual, wrote one of the most fascinating analyses of Fidelity zero costs funds. http://awealthofcommonsense.com/2018/08/the-gradual-explosion-of-index-funds/ I have about a 2-3 year history of actively investing. To me, costs between Boglehead type portfolios do not matter given the ...
by qwertyjazz
Fri Aug 03, 2018 6:50 pm
Forum: Investing - Theory, News & General
Topic: How much do costs matter?
Replies: 25
Views: 2960

Re: How much do costs matter?

Reading through the announcements and debate on Fidelity creating 0 ER funds made me think about all I have learned on this site. Some of it is by agreeing with others and some was by seeing differences. I wanted to say thank you all. I also wanted to say thank you to Triceratops analysis in that ot...
by qwertyjazz
Thu Aug 02, 2018 6:16 pm
Forum: Personal Investments
Topic: Interesting TSP question
Replies: 17
Views: 1291

Re: Interesting TSP question

What is EBIS? Update: it also says on the bottom of my LES "IF TSP ELECTION AMT EXCEEDS NET AMT DUE, TSP WILL NOT BE DEDUCTED" You are in the military. I am in the military too. A lot of the responses you have read are from civilians employed in federal service. Their TSP has different rules. Set y...