Search found 1090 matches

by qwertyjazz
Fri Jan 11, 2019 6:47 am
Forum: Investing - Theory, News & General
Topic: Salary, Portfolio size, and Asset Allocation
Replies: 33
Views: 2729

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: 2729

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: 102
Views: 13944

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: 5718

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: Investing - Help with Personal Investments
Topic: Anyone else in frontier markets?
Replies: 31
Views: 1539

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: 2626

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: 1513

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: Investing - Help with Personal Investments
Topic: Vanguard Dollar Cost Averaging - Any way to do it more frequently?
Replies: 21
Views: 1616

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: 2654

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: 161

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: 161

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: 2503

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: Investing - Help with Personal Investments
Topic: Options for CD interest payments at Vanguard?
Replies: 9
Views: 624

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: 1840

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: Investing - Help with Personal Investments
Topic: Fidelity T Bill Auto-roll,please critique
Replies: 13
Views: 1024

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: Investing - Help with Personal Investments
Topic: Fidelity T Bill Auto-roll,please critique
Replies: 13
Views: 1024

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: Investing - Help with Personal Investments
Topic: Fidelity T Bill Auto-roll,please critique
Replies: 13
Views: 1024

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: Investing - Help with Personal Investments
Topic: Fidelity T Bill Auto-roll,please critique
Replies: 13
Views: 1024

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: Investing - Help with Personal Investments
Topic: Fidelity T Bill Auto-roll,please critique
Replies: 13
Views: 1024

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: 15685

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: 15685

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: 6341

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: 2652

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: Investing - Help with Personal Investments
Topic: Enough. How do I invest in Australia. [as a US investor]
Replies: 63
Views: 5775

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: 107947

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: 1306

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: 7473

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: 172
Views: 12680

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: 172
Views: 12680

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: 172
Views: 12680

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: Investing - Help with Personal Investments
Topic: Withdrawal rate with option to go back to work
Replies: 9
Views: 806

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: 22268

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: 846

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: 2868

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: Investing - Help with Personal Investments
Topic: Interesting TSP question
Replies: 17
Views: 1216

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...
by qwertyjazz
Thu Aug 02, 2018 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Interesting TSP question
Replies: 17
Views: 1216

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...
by qwertyjazz
Wed Aug 01, 2018 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Unexpected early retirement - requesting advice
Replies: 56
Views: 7060

Re: Unexpected early retirement - requesting advice

If you are leaving for medical reasons are you sure your medical costs will not dramatically go up? Indeed I do expect it go up, but I do not know how to model that. I suppose in a case like that I would have to cut my expenses accordingly in other areas I think the question is how close are you to...
by qwertyjazz
Wed Aug 01, 2018 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Unexpected early retirement - requesting advice
Replies: 56
Views: 7060

Re: Unexpected early retirement - requesting advice

If you are leaving for medical reasons are you sure your medical costs will not dramatically go up?
by qwertyjazz
Wed Aug 01, 2018 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 7274

Re: DW job in dangerous area

Does your wife not feel safe in that area or do you not feel safe thinking about your wife in that area? It is not a question of just money. It is a question also of your wife being able to do something she has invested a lot of time and energy in training to be able to make a difference. So start w...
by qwertyjazz
Wed Aug 01, 2018 6:24 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 798
Views: 81484

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

It doesn't read like Vanguard is doing anything different than Fidelity given they acknowledge paying for lending program costs, agent fees and brokerage rebates out of gross security lending revenue with only the remainder going back to the funds. You seem to try to be making the case that Fidelit...
by qwertyjazz
Mon Jul 30, 2018 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: 7-8% SWR/year for first 7 years of Retirement...am I good?
Replies: 22
Views: 2768

Re: 7-8% SWR/year for first 7 years of Retirement...am I good?

I looked back at my data and the 7year bucket is 41% of initial retirement start portfolio value. I have detailed all my current expenses for the last 2 years and added margin. I have run in multiple calculators without SS even and I am still 99-100% success rate. None the less I have the same drea...
by qwertyjazz
Tue Jul 24, 2018 3:36 am
Forum: Investing - Theory, News & General
Topic: Why is leveraging property good but leveraging stocks bad?
Replies: 206
Views: 16287

Re: Why is leveraging property good but leveraging stocks bad?

Bodie discusses a LEAPS ladder in a general way. https://poseidon01.ssrn.com/delivery.php?ID=13709806600708811607211900010801708900001802308600802810106809509407506803012300602406005509812106700710502911001704401709304609408609606912207208300211909306302000800610212100009607411200709007609602111100...
by qwertyjazz
Tue Jul 24, 2018 3:35 am
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 92
Views: 7564

Re: Families - What's your total annual credit card spend?

Just for reference, I'm curious what you married-with-kids bogleheads are spending on your combined total credit card expenses each year? The last couple years DW + I have been in the $40-$45K range. Seems high to me when I look at it, though we do have 3 kids and put everything we can on CCs, incl...
by qwertyjazz
Fri Jul 20, 2018 5:50 pm
Forum: Investing - Theory, News & General
Topic: Does total stock market invest in dying companies like sears?
Replies: 7
Views: 1064

Re: Does total stock market invest in dying companies like sears?

The rule is nobody knows nothing and things change. Sears might go to zero or might rebound a little. The price thoug has plummeted so it is less of a risk. You buy everything on the statistical concept that a few will improve which has historically more than made up for the losers. I thought Best B...
by qwertyjazz
Thu Jul 19, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: Why is leveraging property good but leveraging stocks bad?
Replies: 206
Views: 16287

Re: Why is leveraging property good but leveraging stocks bad?

... Say I want 120 percent leverage how would I create that with a series of out of money LEAPS? All I could find were either really complicated Wilmott forum type posts or statements about the general theory. I can intuit it but curious about playing with it explicitly... Why "out of money"? I wou...
by qwertyjazz
Thu Jul 19, 2018 5:25 am
Forum: Investing - Theory, News & General
Topic: Why is leveraging property good but leveraging stocks bad?
Replies: 206
Views: 16287

Re: Why is leveraging property good but leveraging stocks bad?

Hello fellow Bogleheads, I come in peace. I need some pointers from the wiser heads around here because I’m having some trouble internally reconciling a concept. That concept is leverage. I understand the basic concept and mechanic of leverage and how it acts as a double-edged sword, magnifying bot...
by qwertyjazz
Thu Jul 19, 2018 4:01 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 17978

Re: Salary vs. Lifestyle

I've made the opposite choice, but only after reaching financial independence. I'm now working 40% less for 40% lower pay than I did as a full-timer. No regrets. :beer -PoF PoF (and anyone else with an opinion) - if you were starting over would you do it the same way with working hard until FI and ...