Search found 34 matches

by Kaktus
Sat Dec 01, 2018 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Basic Bucket Theory
Replies: 40
Views: 3783

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: 4408

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: 6687

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: Investing - Help with Personal Investments
Topic: First investment portfolio advice (ETFs) for a Swiss resident (non-US citizen).
Replies: 10
Views: 559

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: Investing - Help with Personal Investments
Topic: How to Begin with 1M
Replies: 117
Views: 15082

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: 3455

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: 15721

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: 8149

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: Investing - Help with Personal Investments
Topic: Investment Strategy at 55
Replies: 16
Views: 3197

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: Investing - Help with Personal Investments
Topic: Two fund portfolio- no bonds??
Replies: 22
Views: 2310

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: 2951

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!
by Kaktus
Mon May 28, 2018 7:32 am
Forum: Investing - Help with Personal Investments
Topic: How to invest $1.4 million inheritance?
Replies: 32
Views: 4810

Re: How to invest $1.4 million inheritance?

I would buy something very beautiful and lasting in memory of my mother, then buy some precious metals, then nr. 1.
by Kaktus
Mon May 28, 2018 5:46 am
Forum: Investing - Help with Personal Investments
Topic: Do I pay towards my mortgage or invest?
Replies: 45
Views: 5135

Re: Do I pay towards my mortgage or invest?

10k is a lot for a deck, no? I built one for something like 1k. Just curious. I have the reflex to pay off debt when i stumple on a windfall. I have made up my mind to instead buy stocks. I mean the speed you have set up for paying of mortgage should be in control. Which neans that if one has money ...
by Kaktus
Thu May 24, 2018 4:16 am
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3822

Re: Life Changes

I forgot: there are great digging machines now you can rent for putting power lines and so on in the ground. I mean its very nice if one can avoid having power lines in the air.
by Kaktus
Thu May 24, 2018 4:12 am
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3822

Re: Life Changes

Exciting plans! Quite out of the ordinary.

Thinking of my wife, I would keep the current house or set up a trailer or something temporary on the lot to begin with. Stoneage tech is very timeconsuming.
by Kaktus
Mon Mar 12, 2018 2:40 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 249
Views: 36969

Re: Does anyone here with net worths north of $1 mil use financial advisors?

Interesting to see peoples understanding of FA. Just two more reflections. 1 to be able to judge if a financial advisor gives you sound advice and charges reasonably you need to have knowledge yourself. And when you have aquired that level of knowledge you no longer need a financial advisor. Unless,...
by Kaktus
Sat Feb 24, 2018 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Spending and saving - am I on it, or in for it?
Replies: 29
Views: 4773

Re: Spending and saving - am I on it, or in for it?

You seem to be on your way forward but that obligations and consumption are weighing you down. That really drains ones energy. Car loan for example is an emergency, imho. Several persons have suggested that you put together a financial statement if you want any meaningful advise and a clear perspect...
by Kaktus
Sat Jan 27, 2018 2:14 am
Forum: Personal Consumer Issues
Topic: Strategies to combat the urge to spend?
Replies: 68
Views: 4761

Re: Strategies to combat the urge to spend?

So much great views in this thread from people who have come further than me. I struggle with this myself. I get inspired to add some that I think is not mentioned. 1 I dont think we ever get rid of peer pressure and copying others. We learn mainly by imitating. But as adults we can decide who to co...
by Kaktus
Sat Jan 20, 2018 1:58 am
Forum: Investing - Help with Personal Investments
Topic: Keeping it in a shoe-box is a safer AA
Replies: 37
Views: 4083

Re: Keeping it in a shoe-box is a safer AA

+1 to Taylor
It is hopeless to even have the full picture in a forum. ALso regarding the AA: It is not said if this person has emergencycash, and if the equities iare in only one or a few different companies! Sometimes the best is not to give advice.
by Kaktus
Thu Jan 04, 2018 10:17 am
Forum: Investing - Theory, News & General
Topic: Before buying gold, have a look at these returns since 1975
Replies: 84
Views: 8091

Re: Before buying gold, have a look at these returns since 1975

I dont think there is much arguing that gold as investment is beating stocks in this day and age. I get a little irritated that this kind of image is suggested so often. I dont know anyone who argue for it except for a extremely small number of individuals who Make a living out of it. While I am at ...
by Kaktus
Wed Jan 03, 2018 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio update (3 years)
Replies: 6
Views: 1165

Re: Portfolio update (3 years)

I would have cheaper car. No kids? 10k. Sunny region? A Ducati.:)
by Kaktus
Mon Jan 01, 2018 6:58 am
Forum: Personal Consumer Issues
Topic: Your travel tips for Vienna and Budapest?
Replies: 23
Views: 1678

Re: Your travel tips for Vienna and Budapest?

Two great cities for "culture". And wine! In Vienna there are a number of arts museums and other venues conveniently located next to each other in the Museumsquartier. For traditional painting Kunsthistoriches Museum is fantastic. To hear the philharmonic orchestea in Wien you need to book long in a...
by Kaktus
Sat Dec 23, 2017 1:03 am
Forum: Investing - Theory, News & General
Topic: Does anyone own gold?
Replies: 117
Views: 15330

Re: Does anyone own gold?

"No. Gold did not increase SWR between 1970 and 1975 because it was not legal to own gold at this time. There are lots of things we don't know or can't know about investing, but there is one thing we can know for sure: over this period, for the assets you backtested, this did not happen." You have a...
by Kaktus
Thu Dec 21, 2017 1:39 am
Forum: Investing - Theory, News & General
Topic: Article on Index-funds in Bloomsberg
Replies: 0
Views: 371

Article on Index-funds in Bloomsberg

Theres a big article in Bloomsberg Markets about the increasing share in the US of passive equity funds and Vanguard in particular. Vanguard + Blackrock now stands for 30 % of the market. "If the trend continous it will be half ot total assets in ten years". Interesting that principally all new mone...
by Kaktus
Wed Dec 13, 2017 5:52 am
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 199
Views: 28670

Re: What to do after losing $117k in stock market?

I appreciate this post. It helps me. Funds are not very exciting...
by Kaktus
Sun Dec 03, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Reached 4M target. Taking money off table. Advice?
Replies: 120
Views: 23222

Re: Reached 4M target. Taking money off table. Advice?

The OPs issue does not seem to be the exact percentages or sums in different assets. To me this sounds between the lines more about what goal to set up for himself. The vague talk about thresholds while not sharing nearly enough info to give advice on different assets or whatever. I would recommend ...
by Kaktus
Sat Aug 12, 2017 4:20 pm
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - Got a Question for Jack?
Replies: 53
Views: 15288

Re: Q&A WITH JACK BOGLE - Got a Question for Jack?

Dear Mel, It would be very interesting if Jack could share some thoughts on the prospect of Vanguard starting subsidiaries overseas with the same business model within the coming years. Here in Europe the financial markets do really need more efficient competition as Vanguard managed to establish in...
by Kaktus
Thu May 04, 2017 4:13 am
Forum: Investing - Help with Personal Investments
Topic: Retirement income for 50+ years?
Replies: 167
Views: 19248

Re: Retirement income for 50+ years?

Great achievement. I have two points on this increadibly nice to have issue. 1, short point: 11 million is a huge amount of capital, but I would not aim to withdraw 300k in say the first 5 years. I think that is too much, especially if no debt, before there has been a first nice substantial increase...
by Kaktus
Sat Nov 19, 2016 1:56 am
Forum: Personal Finance (Not Investing)
Topic: 5 reasons the rich are better investors than average Joe
Replies: 31
Views: 8388

Re: 5 reasons the rich are better investors than average Joe


So? Versus the rich tend to engage financial advisers with horrendous management fees. They lose money under all circumstances. Which is worse? It is half dozen versus six.
I would guess the opposite. But have never seen any stats. It would be interesting to see a reference for that?
by Kaktus
Mon Aug 15, 2016 6:32 am
Forum: Investing - Help with Personal Investments
Topic: Is Warren Buffet Right About The S&P 500?
Replies: 34
Views: 7778

Re: Is Warren Buffet Right About The S&P 500?

"Do you think Warren Buffet may be about right about investors just picking an index fund that tracks the S&P 500 ?" I wonder about this also. I always thought Buffet mention a 500 fund because it is uncertain that there will always be total index stock funds available in the long run with such low ...
by Kaktus
Fri Jul 29, 2016 7:20 am
Forum: Personal Finance (Not Investing)
Topic: 5 reasons the rich are better investors than average Joe
Replies: 31
Views: 8388

Re: 5 reasons the rich are better investors than average Joe

Why these objections? Its a generalization sure but still. There are some data in the article, for example that according to a survey small investers more tended to panic and sell at the bad time.
Cheers
by Kaktus
Fri Jul 29, 2016 6:33 am
Forum: Personal Consumer Issues
Topic: It's too hot
Replies: 49
Views: 5332

Re: It's too hot

Do you have a tub for the dog? I mean something shallow at least to cool the legs.

Also, we bought at IKEA a "sail" to get shade. It is a white cloth that you tie between the house and a pole. It can perhaps give shade for your south windows.
by Kaktus
Sun Apr 10, 2016 2:25 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing to control risk doesn't make sense to me
Replies: 175
Views: 14897

Re: Rebalancing to control risk doesn't make sense to me

All seem agree here on the expected long term advantage of stocks and the short term advantag of bonds. To my mind the differing views are about perspective - where you are and where you want to go - and about the graduation of risk. For example, if you are retired and a heavy downturn in the stockm...