Search found 73 matches

by Kaktus
Fri Aug 30, 2019 2:23 pm
Forum: Personal Investments
Topic: Should I invest 100k into a total index or do it slowly
Replies: 58
Views: 6905

Re: Should I invest 100k into a total index or do it slowly

"DCAing is purely an emotional thing"
So where to stop? Why not borrow all you can and buy stocks for it immediately?
by Kaktus
Fri Aug 30, 2019 12:20 am
Forum: Personal Investments
Topic: Should I invest 100k into a total index or do it slowly
Replies: 58
Views: 6905

Re: Should I invest 100k into a total index or do it slowly

There are so many variables to this. Difficult to cover it all. i think these have not been mentioned: 1 Your age (or rather the time horizon for your investments) 2 The size of your stash (in relation to your obligations) 3 When do you want to measure the outcome, I mean at what point in time shoul...
by Kaktus
Sat Aug 24, 2019 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Do you sacrifice to save?
Replies: 97
Views: 8840

Re: Do you sacrifice to save?

Z3r...: in the past 13 years this has amounted to about 280 days of my life on a train to save easily $200,000 in housing costs... If this was in reply to my posting: I live in Stockholm. I think the cultural geographies are different here in Scandinavia compared to most of the US? Here it is posh t...
by Kaktus
Sat Aug 24, 2019 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Do you sacrifice to save?
Replies: 97
Views: 8840

Re: Do you sacrifice to save?

"I am one of them."

If you see happiness as 1 or 0 and that you are the unobjectionable judge there is not much to discuss.
by Kaktus
Sat Aug 24, 2019 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Do you sacrifice to save?
Replies: 97
Views: 8840

Re: Do you sacrifice to save?

I struggle with my savings rate and gets irritated of people that say they see no problem at all since they have all they need, they appreciate the small things, happiness can not be baught, yada yada. To me that actually is just bad imagination. Having said that I realize we are happier now when we...
by Kaktus
Sun Jul 28, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: Simplicity
Replies: 59
Views: 7232

Re: Simplicity ["The Minimalists” Movie on Netflix]

I liked the movie a lot. That it is poosible to feel more focused and on top of things (!) by cutting down on your consumption. My main take away though was how the massive marketing around us affects our wants and thoughts. Nothing new with that obviously but well updated for todays society, for ex...
by Kaktus
Tue Jul 02, 2019 2:12 am
Forum: Personal Investments
Topic: Investing a windfall when the market is at “an all-time high?”
Replies: 33
Views: 4040

Re: Investing a windfall when the market is at “an all-time high?”

"Moral of the story is don t time the market, but do consider if the windfall changes your IPS and bond allocation, either due to earlier retirement or being more conservative because you're closer to winning the game." Well put! Exactly my thinking. That is the first question; Does the windfall cha...
by Kaktus
Mon Jun 17, 2019 5:45 pm
Forum: Personal Investments
Topic: Should I invest 100k into a total index or do it slowly
Replies: 58
Views: 6905

Re: Should I invest 100k into a total index or do it slowly

similar situation. We are putting money from a home sale into the stock market. We took 30% and put into index funds immediately. The rest we divide over eleven months. If we were affluent I suppose we wouldnt have bothered and have gone all in.
by Kaktus
Thu Feb 21, 2019 1:47 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 518
Views: 69539

Re: Year 2000 retirees using the '4% rule' - Where are they now?

Alohajoe, very good, you forgot the reference by Aristoteles to the options market. But otherwise nice googling. Ddont get your knickers in a twist and try to develop new thoughts instead. Todays stock markets available to the average alohaJoe developed around the previous turn of the century. Say I...
by Kaktus
Thu Feb 21, 2019 7:48 am
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 518
Views: 69539

Re: Year 2000 retirees using the '4% rule' - Where are they now?

Sorry, I cant follow. To me owning stocks and owning gold are different.
by Kaktus
Thu Feb 21, 2019 12:56 am
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 518
Views: 69539

Re: Year 2000 retirees using the '4% rule' - Where are they now?

I am very surprised to see the sentiment to accumulate extreme amounts in stock in order to feel safe, for example "50x living expenses in bonds and stocks". That thinking seems to dismiss the relevance of bonds and stocks. Which makes sensein a way when you think about them as just two markets. The...
by Kaktus
Tue Feb 19, 2019 1:27 pm
Forum: Investing - Theory, News & General
Topic: Bucket strategy fails according to study
Replies: 17
Views: 3176

Re: Bucket strategy fails according to study

"Apparently not"

Darn. Thought I had finally understood the difference.
by Kaktus
Tue Feb 19, 2019 3:04 am
Forum: Non-US Investing
Topic: Portfolio allocation - Is it worth to invest in bonds? [EU - Germany]
Replies: 12
Views: 1606

Re: Portfolio allocation - Is it worth to invest in bonds? [EU - Germany]

The low yield on bonds is really a turn off. I have paid of debt instead. Soon that will be over. Perhaps I will go with bank accounts and bonds in companies?
by Kaktus
Tue Feb 19, 2019 2:54 am
Forum: Investing - Theory, News & General
Topic: Bucket strategy fails according to study
Replies: 17
Views: 3176

Re: Bucket strategy fails according to study

So "bucketing" means that one do not rebalance?
by Kaktus
Mon Feb 18, 2019 7:43 am
Forum: Investing - Theory, News & General
Topic: Two-Fund & Three-Fund Not Diversified Enough for Large Investments?
Replies: 26
Views: 3460

Re: Two-Fund & Three-Fund Not Diversified Enough for Large Investments?

Of course, but with that much it is rational to go to Zurich to open an anonymous account, then continue to Chile or wherever to by some land and so on. That is not very doable with a weeny six figure stock fund.
by Kaktus
Mon Feb 18, 2019 5:57 am
Forum: Investing - Theory, News & General
Topic: Two-Fund & Three-Fund Not Diversified Enough for Large Investments?
Replies: 26
Views: 3460

Re: Two-Fund & Three-Fund Not Diversified Enough for Large Investments?

I agree, in a way. At 20million USD it is no longer enough to cover all global stocks and global bonds with one account in one country. As someone said on AA and safe withdrawal rat: Even if you had 1 billion in bonds, in the Weimar republic your wealth would have gone to zero. At 20mill USD it is t...
by Kaktus
Sun Feb 17, 2019 11:54 am
Forum: Non-US Investing
Topic: Portfolio Questions from Europe
Replies: 3
Views: 406

Re: Portfolio Questions from Europe

Hi again, I simply meant cash so that you will always be able to cover necessary costs even with no money coming in for extended time. For example if you get ill. The tricky thing is for how long time is needed. I prefer to have some of it secret. To my mind it is early to think about speeding up mo...
by Kaktus
Sun Feb 17, 2019 9:31 am
Forum: Non-US Investing
Topic: Portfolio Questions from Europe
Replies: 3
Views: 406

Re: Portfolio Questions from Europe

Hi Taco, you seem to be doing great. very nice to see. For what its worth, I would probably work on my "secret stash" that is my cash buffer that is out of reach for the bank and not on the mortgage. Self employed people need generally more reserves than employed people. I dont know your branch and ...
by Kaktus
Sun Feb 17, 2019 9:10 am
Forum: Non-US Investing
Topic: Nordic tilt with zero-ER funds
Replies: 12
Views: 1184

Re: Nordic tilt with zero-ER funds

I use these funds exactly to lower my total fees. I see it as a way to follow the large cap indexes in those countries. One should know they have quite few companies each. The Norwegian fund for example has 80% of the money in only ten companies (25 compnaies in total). It seems the countries are no...
by Kaktus
Mon Feb 11, 2019 10:47 am
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23288

Re: How to Begin with 1M

Hello TylerLearning, Sorry to hear you seem so frustrated still. It seems you are getting so much bits and pieces of suggestions it gets confusing. I shouldn add to that. Absolutely most people in your situation will end upp with a mix of equity funds (stocks), bond funds (or CDs, which option matte...
by Kaktus
Wed Feb 06, 2019 12:40 am
Forum: Non-US Investing
Topic: Switching from Actively Managed Funds to Passively Managed Funds [Italy]
Replies: 9
Views: 668

Re: Switching from Actively Managed Funds to Passively Managed Funds [Italy]

Good you have found out the true costs. They can be terrible.

My home market funds here in Sweden lost som 5%. So I mean I dont think 10 was that bad.
by Kaktus
Tue Feb 05, 2019 2:02 pm
Forum: Personal Investments
Topic: Making a 3.8 million deposit
Replies: 96
Views: 11260

Re: Making a 3.8 million deposit

"Let me give you an alternate approach: if you are planning on opening an account with Vanguard anyway, send the money to them and just leave it in the money market." Think that is what I would do. To begin with at least. I would also invest say 250k through some other bank as backup. + 20k in preci...
by Kaktus
Mon Feb 04, 2019 12:54 am
Forum: Investing - Theory, News & General
Topic: How much money does one need to setup a private S&P 500 fund?
Replies: 114
Views: 10144

Re: How much money does one need to setup a private S&P 500 fund?

"The article is behind a paywall, so I can't read it." Sorry for that. A number of articles per week seems available for me without beeing a customer. Perhaps we shouldn't put all funds together. Obviously the fund managers for active funds with high fees generally have an incentive to grow their fu...
by Kaktus
Mon Feb 04, 2019 12:35 am
Forum: Investing - Theory, News & General
Topic: How much money does one need to setup a private S&P 500 fund?
Replies: 114
Views: 10144

Re: How much money does one need to setup a private S&P 500 fund?

"You run a European fund in the US and you have a net outflow. "

Or a third option, that you sell a week later?
by Kaktus
Sun Feb 03, 2019 2:57 pm
Forum: Investing - Theory, News & General
Topic: How much money does one need to setup a private S&P 500 fund?
Replies: 114
Views: 10144

Re: How much money does one need to setup a private S&P 500 fund?

"Exexcpt that, in the US, the fund manager does not see a penny of that" What I should perhaps have written is "the bank"? Bank X can start a fund with very low or zero yearly fee, but instead make money by the commissions and exchange. Is that somehow forbidden in the US? See fo example the Financi...
by Kaktus
Sun Feb 03, 2019 2:37 pm
Forum: Investing - Theory, News & General
Topic: How much money does one need to setup a private S&P 500 fund?
Replies: 114
Views: 10144

Re: How much money does one need to setup a private S&P 500 fund?

"That falls under the concept of don’t own stock of the company you work for as it is increasing your risk—if the company is doing poorly you might get laid off and the stock might tank."

Thanks, I see. Apple stands now for 3% of SP 500.
by Kaktus
Sun Feb 03, 2019 1:31 am
Forum: Investing - Theory, News & General
Topic: How much money does one need to setup a private S&P 500 fund?
Replies: 114
Views: 10144

Re: How much money does one need to setup a private S&P 500 fund?

Thanks for alot of input. "Why would a fund manager have an incitement to buy and sell?" Because the transactions gives him revenues through the commission. I suppose that is the main idea with ETFs? That is to trigger people to buy and sell frequently since it is so convenient? I believe the resear...
by Kaktus
Fri Feb 01, 2019 3:56 am
Forum: Investing - Theory, News & General
Topic: An emergency fund cautionary tale
Replies: 89
Views: 11327

Re: An emergency fund cautionary tale

"The smart ones learn from experiences like bank closures "

Yes! Banks cannot be trusted to stay solid. I dont expect to loose my principal, but it can be an emergency to not be able to access your money for a month or two.
by Kaktus
Fri Feb 01, 2019 2:05 am
Forum: Investing - Theory, News & General
Topic: How much money does one need to setup a private S&P 500 fund?
Replies: 114
Views: 10144

Re: How much money does one need to setup a private S&P 500 fund?

" In America there is heavy regulation around this - the mutual fund must trade solely for the benefit of their clients - i.e. the fund." Thanks, thats a good answer. The transparency in Europe of the finance industry too low. You can see that even Vanguard showed up on that list. Still,generally fu...
by Kaktus
Wed Jan 30, 2019 9:09 am
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23288

Re: How to Begin with 1M

Hallo TylerLearning, I just browsed quickly through your travail.:) I got curious. It seems you are still not settled? If this is all too overwhelming now I think as someone suggested that you should just leave it be and do some reading and discussing. To give a tip anything that John Bogle wrote. H...
by Kaktus
Wed Jan 30, 2019 7:40 am
Forum: Investing - Theory, News & General
Topic: How much money does one need to setup a private S&P 500 fund?
Replies: 114
Views: 10144

Re: How much money does one need to setup a private S&P 500 fund?

"Nah. Those charges are low and well broken out." I am not convinced about that. It seems that MiFID has brought out some of charges out into the light. See for example: https://www.internationalinvestment.net/internationalinvestment/news/3504300/post-mifid-ii-revelations-funds-industry%E2%80%99-%E2...
by Kaktus
Wed Jan 30, 2019 12:43 am
Forum: Investing - Theory, News & General
Topic: How much money does one need to setup a private S&P 500 fund?
Replies: 114
Views: 10144

Re: How much money does one need to setup a private S&P 500 fund?

Isnt the major argument for owning stocks directly that with a fund you don't know what costs the fund company "charge" from the capital? Mainly for courtage and currency exchange. Any thoughts about this?
by Kaktus
Tue Jan 29, 2019 4:23 pm
Forum: Investing - Theory, News & General
Topic: An emergency fund cautionary tale
Replies: 89
Views: 11327

Re: An emergency fund cautionary tale

"So where do you keep that money? Under your mattress?" I have a treasure map in my wooden leg. Anyway, I just found it strange that my definition of emergency is so different to the consensus in this thread. To me emergency preparedness is not about the car breaking down. Its more knowing what to d...
by Kaktus
Tue Jan 29, 2019 2:37 pm
Forum: Investing - Theory, News & General
Topic: An emergency fund cautionary tale
Replies: 89
Views: 11327

Re: An emergency fund cautionary tale

To me an emergency fund is money that is available even when most things are not working. That the authorities and banks dont have control over. Am I alone in this? I think of situations where the ATMs are shut down or big strikes. We had two world wars in one century, after all.
by Kaktus
Sun Jan 27, 2019 1:16 am
Forum: Investing - Theory, News & General
Topic: Set it and forget it
Replies: 74
Views: 13919

Re: Set it and forget it

I think that so many people think they can replace being disciplined with being smart speculators. I am guilty of this myself. Its an easy way to delude yourself, and it is cleverly used by the finance industry.
by Kaktus
Fri Dec 14, 2018 12:41 am
Forum: Non-US Investing
Topic: [Germany] New to the site - something I've been looking for long time. How to proceed?
Replies: 10
Views: 956

Re: [Germany] New to the site - something I've been looking for long time. How to proceed?

You may like Bodo Schäfer's books. I do, even if I find the high expected grow rates he throws around difficult to believe in.
by Kaktus
Fri Dec 14, 2018 12:32 am
Forum: Investing - Theory, News & General
Topic: Do Bogleheads Bucket?
Replies: 143
Views: 16481

Re: Do Bogleheads Bucket?

Could someone explain what it means to work with buckets?
by Kaktus
Sat Dec 01, 2018 2:59 pm
Forum: Personal Investments
Topic: Basic Bucket Theory
Replies: 40
Views: 4225

Re: Basic Bucket Theory

There is not only one use of the bucket concept. So its good to see an actual example of saving in terms of Buckets. May I ask if buckets 2, 3 and 4 are in separate accounts? Or how does it work? To my thinking "buckets" is about keeping separate different kinds of assets. That is when it is helpful...
by Kaktus
Tue Sep 11, 2018 2:40 am
Forum: Personal Finance (Not Investing)
Topic: Analysis Paralysis - Mortgage, Emergency Fund, etc.
Replies: 51
Views: 4633

Re: Analysis Paralysis - Mortgage, Emergency Fund, etc.

"Are we crazy that within a week we went from ready to do a $200k recast to ready to put $200k in the market?" From the info you have given I would have done that also (over 1-2 years). You are so young that you have the opportunity to get some compounding. I am not with you in how you look on choos...
by Kaktus
Mon Sep 03, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund size
Replies: 72
Views: 8514

Re: Emergency fund size

Everyone seems to have his/hers definition of what is an EF. To me the EF is a separate bucket. my cash buffer for household repairs etc is one bucket. The size of first bucket depends on my current obligations and liabilities. For example if I buy a car or boat again or something else that needs bi...
by Kaktus
Mon Aug 20, 2018 11:39 pm
Forum: Non-US Investing
Topic: First investment portfolio advice (ETFs) for a Swiss resident (non-US citizen).
Replies: 10
Views: 668

Re: First investment portfolio advice (ETFs) for a Swiss resident (non-US citizen).

Thats a heavy taxing of dividends! I would say you will have to read some litterature suitable for Swiss citizens. The different fees change the whole calculatuon for us who are not US citizens, compared to the standard recipees on Boglehead. 2 I do not worry about currency fluctuations. I worry abo...
by Kaktus
Mon Aug 20, 2018 6:51 am
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23288

Re: How to Begin with 1M

Sorry about your loss.I like generally Mr Jones suggestions with a few amendments. Your finances seem not very complicated. No need forrunning advisorfees to my mind. Keep it simple. Personally I would not enter everything into stocks at one time. I would spread out as already mentioned. Especially ...
by Kaktus
Sun Aug 19, 2018 12:49 am
Forum: Personal Finance (Not Investing)
Topic: Apartment Decision After Divorce- Please evaluate my thinking
Replies: 33
Views: 3605

Re: Apartment Decision After Divorce- Please evaluate my thinking

If the beams are made in concrete the sound from steps is not a problem in most cases. Sound of voices and music horizontally is a bigger problem in my experience. If I divorced I would also go with smallest (cheapest) apartment in child friendly area for the first move. and I would get a murphy bed...
by Kaktus
Tue Jun 19, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 16700

Re: How much (green) cash at home for emergency ?

I keep the equivalent of minimum USD 200 in bills plus some bullion. I think its a realistic and even probable scenario that the ATMs are shut down for a month at some point during my lifetime bcause of mismanaged state finances. Natural disasters and zombies is not a scenario I count with. Perhaps ...
by Kaktus
Wed Jun 06, 2018 12:20 am
Forum: Personal Consumer Issues
Topic: Is our monthly Personal money out of line?
Replies: 74
Views: 8583

Re: Is our monthly Personal money out of line?

Many good views. I would just like to give a somewhat different reflection - I would personally be very frustrated not being able to save more than about 2.6k when having 13k net (approximately 20%). I would feel it is on the low side with three kids. You never know next year financially. THere are ...
by Kaktus
Sun Jun 03, 2018 11:16 am
Forum: Personal Investments
Topic: Investment Strategy at 55
Replies: 16
Views: 3735

Re: Investment Strategy at 55

Seems like a vanguard move could simplify things a lot. Something is off with your numbers? I think you say 50k is her living cost for six months, and that she makes 50k per year ?
by Kaktus
Fri Jun 01, 2018 1:22 am
Forum: Personal Investments
Topic: Two fund portfolio- no bonds??
Replies: 22
Views: 2968

Re: Two fund portfolio- no bonds??

Isnt this question at that age mainly about one’s current situation? I mean your obligations and your safety net. Say if one is a bachelor and still can move back with parents for some time for free, compared to someone who has no parents, with 4 kids, weak position in the workingmarket etc. I under...
by Kaktus
Thu May 31, 2018 4:23 am
Forum: Personal Finance (Not Investing)
Topic: Bored and Anxiety from Work - What to do?
Replies: 13
Views: 3079

Re: Bored and Anxiety from Work - What to do?

Hey, you seem to question your life at the moment and the road ahead. For suggestion of reading you may like Bodo Schaefers The rroad to financial freedom.
Best wishes!