Search found 571 matches

by Tamalak
Thu May 16, 2019 3:50 pm
Forum: Personal Investments
Topic: Is holding two total market index funds okay?
Replies: 6
Views: 637

Re: Is holding two total market index funds okay?

Your plan adds more complication than value but it won't be a disaster.
by Tamalak
Thu May 16, 2019 1:39 pm
Forum: Investing - Theory, News & General
Topic: We’ve won the game...but how do we stop playing?
Replies: 73
Views: 6932

Re: We’ve won the game...but how do we stop playing?

Your grandma kicked butt, she deserves to enjoy her victory, not be lectured by her upstart grandkid armed with a bumper sticker.

Unless you think her retirement will be endangered by her current AA, and it doesn't sound like it is, back off :sharebeer
by Tamalak
Thu May 16, 2019 9:44 am
Forum: Personal Investments
Topic: Do you keep track of your TOTAL gains and losses from investments?
Replies: 4
Views: 444

Re: Do you keep track of your TOTAL gains and losses from investments?

You bet. Vanguard makes this easy in the performance tab :sharebeer

I love looking at it! Usually. Not last week :annoyed
by Tamalak
Wed Apr 24, 2019 1:36 pm
Forum: Personal Investments
Topic: Dump international?
Replies: 228
Views: 14818

Re: Dump international?

I'll go out on a limb with my crystal ball and predict that US stock market cap will be down to 30% of world stock market cap by 2050. If so, that means total international will outperform US by about 2.3% annualized over the next 30 years. This isn't necessarily so. New IPOs increase market cap bu...
by Tamalak
Wed Apr 24, 2019 11:59 am
Forum: Personal Investments
Topic: Dump international?
Replies: 228
Views: 14818

Re: Dump international?

Today: International down 1%, US flat
Yesterday: International flat, US up 1%

This is just miserable lmao. I'm going to stick to my 50/50 allocation, but how many decades in a row can this go on if the markets are anywhere near efficient?
by Tamalak
Wed Apr 24, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Whats the Point of Climbing the Corporate Ladder?
Replies: 164
Views: 16811

Re: Whats the Point of Climbing the Corporate Ladder?

I'm with the OP, happy with my current position and salary, and I've noticed that ranks above mine tend to increase in responsibility and work more than they do in salary.. unfortunately they plan to promote me soon. I need to get to that FIRE number quick..
by Tamalak
Tue Apr 23, 2019 10:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 902
Views: 86852

Re: "S&P 500 Index closes at record high"

Stock all time highs. Taylor: "See, stay the course works!"

Bottom of 2008 lows. Taylor: "Time for Plan B!!"

Alrighty then :wink:
by Tamalak
Tue Apr 23, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: What, if anything, do I owe this guy?
Replies: 82
Views: 8082

Re: What, if anything, do I owe this guy?

Dude's a swindler, but you still should act with honor. IMO just call him and tell him you've reconsidered and have decided to manage your own assets. Don't explain yourself any further, draw a hard line there. That's the minimum you owe him and IMO should be the only thing you give him. Emotionally...
by Tamalak
Wed Apr 10, 2019 1:27 pm
Forum: Investing - Theory, News & General
Topic: Junk bonds undervalued due to boglehead popularity?
Replies: 51
Views: 4680

Junk bonds undervalued due to boglehead popularity?

Every time junk bonds are brought up here they're dismissed as kind of a pointless hybrid of the risk of stocks and the safety of bonds. The mantra here is that to the extent you want risk buy stocks and to the extent you want security buy (high quality) bonds. This implementation of buy-and-hold is...
by Tamalak
Wed Mar 20, 2019 12:06 pm
Forum: Personal Investments
Topic: What role do bonds play in your portfolio?
Replies: 75
Views: 4711

Re: What role do bonds play in your portfolio?

Safety net. I have 1-2 years of expenses in bonds. Rest in stocks. By chance this gives me a 90/10% stock/bond ratio which is what is recommended for my age.
by Tamalak
Tue Mar 19, 2019 1:13 pm
Forum: Personal Investments
Topic: What is your U.S./ex-U.S. stock allocation?
Replies: 200
Views: 9755

Re: What is your U.S./ex-U.S. stock allocation?

At world market cap, whatever that is. At present about 50/50. I will maintain world market cap for the next 50 years of international underperformance :sharebeer
by Tamalak
Thu Feb 28, 2019 10:54 am
Forum: Investing - Theory, News & General
Topic: Any thoughts on The Aurora Report? [Arora Report]
Replies: 65
Views: 23759

Re: Any thoughts on The Aurora Report? [Arora Report]

I predict the market will prick her finger on the spindle of a spinning wheel.. AND DIE
by Tamalak
Thu Feb 28, 2019 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Why Working as a Senior Male is Wise...
Replies: 104
Views: 11720

Re: Why Working as a Senior Male is Wise...

I plan to retire at 40. Social stimulation is easily found online for me. I don't need a job for it, personally.
by Tamalak
Wed Jan 30, 2019 1:34 pm
Forum: Personal Investments
Topic: How much stocks for 5 years?
Replies: 16
Views: 1146

Re: How much stocks for 5 years?

25% stocks / 75% bonds is my preferred defensive position. It actually gives less volatility and higher return than 100% bonds.
by Tamalak
Tue Jan 29, 2019 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Money Troubles: Need advice to start over from a hole.
Replies: 37
Views: 3052

Re: Money Troubles: Need advice to start over from a hole.

Oh look, another dire warning to never get married, as if I needed another one :oops:
by Tamalak
Tue Jan 29, 2019 10:07 am
Forum: Investing - Theory, News & General
Topic: What did you learn from 2018 in the markets?
Replies: 114
Views: 7982

Re: What did you learn from 2018 in the markets?

I learned that my risk tolerance was pretty okay. The February drop was refreshing, the Oct/Dec drop was frustrating but felt healthy to me. I'm 100% stocks with a high net worth for my age so I lost heaps of money, but I didn't 'feel' the loss as much as I feared.
by Tamalak
Thu Jan 24, 2019 11:28 am
Forum: Investing - Theory, News & General
Topic: Hedge fund manager lost more than 30% in '18: 'Nothing went right'
Replies: 21
Views: 2388

Re: Hedge fund manager lost more than 30% in '18: 'Nothing went right'

percy wrote:
Thu Jan 24, 2019 3:51 am
They returned 7 percent in 2016 and 1.5 percent in 2017.
How is this possible? Everything was up in 2017, everything. To make 1.5 percent in 2017 is like going outside in a rainstorm and dodging all the rain. These guys are really geniuses.
by Tamalak
Wed Jan 23, 2019 10:49 am
Forum: Personal Investments
Topic: Marketwatch - If everyone invested like John Bogle, markets couldn’t work right
Replies: 54
Views: 3487

Re: Marketwatch - If everyone invested like John Bogle, markets couldn’t work right

There are financial rewards for investing. This is justified by the fact that investors shoulder risk for the company they're investing in. There are financial rewards for successful price discovery. This is justified by the fact that price discovery allocates capital in wise ways. Active investors ...
by Tamalak
Tue Jan 22, 2019 4:36 pm
Forum: Personal Investments
Topic: Should I increase my stock allocation to 90% stocks?
Replies: 63
Views: 5018

Re: Should I increase my stock allocation to 90% stocks?

I thought her savings was kind of light for somebody who is 30. Different lens perhaps because my 20 something already has 6-figure saving, after only one year of working. Same, she seemed to be straggling a bit to me since I sold my first company for millions when I was 15, but I guess it's just a...
by Tamalak
Fri Jan 18, 2019 9:48 am
Forum: Personal Investments
Topic: 100% in VTSAX - Is it crazy???
Replies: 82
Views: 8649

Re: 100% in VTSAX - Is it crazy???

Not crazy. I'm 100% invested in stocks also, but I'm diversified internationally at capitalization - I wouldn't want to have all my eggs in ONE country-basket, as powerful and awesome as that country is right now. 100% stocks feels good to me. Even the recent down spikes didn't tempt me at all :shar...
by Tamalak
Thu Jan 10, 2019 12:16 pm
Forum: Investing - Theory, News & General
Topic: AQR Cuts Staff After a Bad Year (39 out of 41 funds down)
Replies: 31
Views: 2760

Re: AQR Cuts Staff After a Bad Year (39 out of 41 funds down)

(39 out of 41 funds down)
3 out of 3 of my funds were down this year, so I'm in no position to throw stones at active investors :D

(I did not, however, lay off any of my 1 employees)
by Tamalak
Wed Jan 09, 2019 3:16 pm
Forum: Investing - Theory, News & General
Topic: Preparing for the bounce
Replies: 60
Views: 9185

Re: Preparing for the bounce

I'd like to subscribe to the OP's newsletter :D
by Tamalak
Tue Jan 08, 2019 12:49 pm
Forum: Investing - Theory, News & General
Topic: A Test of Warren Buffett's 90:10 Retirement Portfolio
Replies: 33
Views: 4853

Re: A Test of Warren Buffett's 90:10 Retirement Portfolio

Warren Buffett can afford to be 90:10 because he owns his house outright and he knows at guy at Dairy Queen who can hook him up if things get dicey.

Not everyone is in the same position as him. Adjust your AA to your situation.
by Tamalak
Fri Jan 04, 2019 11:34 am
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 245
Views: 16161

Re: If riskier than US, why doesn't international outperform?

International has now gone nowhere for two decades. What on earth are they even doing over there? :oops:
by Tamalak
Wed Dec 19, 2018 4:19 pm
Forum: Personal Investments
Topic: Don't put in stocks what you can't afford to lose? Really?
Replies: 16
Views: 2231

Re: Don't put in stocks what you can't afford to lose? Really?

I think a more sensible saying would be that if you need the money in x years, don't have more than 2x percent in stocks.
by Tamalak
Tue Dec 18, 2018 3:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10819
Views: 1888885

Re: U.S. stocks in free fall

columbia wrote:
Tue Dec 18, 2018 3:01 pm
Tamalak wrote:
Tue Dec 18, 2018 2:45 pm
Everyone look quick, ex-us is up while us is down. It's like spotting a unicorn..
I think the unicorn just went to the glue factory.
Yup.. poof :|
by Tamalak
Tue Dec 18, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10819
Views: 1888885

Re: U.S. stocks in free fall

Everyone look quick, ex-us is up while us is down. It's like spotting a unicorn..
by Tamalak
Tue Dec 18, 2018 1:41 pm
Forum: Investing - Theory, News & General
Topic: How to take advantage of market big swing?
Replies: 17
Views: 1062

Re: How to take advantage of market big swing?

GoldStar wrote:
Tue Dec 18, 2018 1:33 pm
Tamalak wrote:
Tue Dec 18, 2018 12:42 pm
When market is up I walk to invest my quarterly allocation.

When the market is down I run to invest it (doing that today in fact)

A tiny bit of market timing but not going to be all that impactful IMO.
Yesterday was the day.
Nnnooooooooooo
by Tamalak
Tue Dec 18, 2018 12:42 pm
Forum: Investing - Theory, News & General
Topic: How to take advantage of market big swing?
Replies: 17
Views: 1062

Re: How to take advantage of market big swing?

When market is up I walk to invest my quarterly allocation.

When the market is down I run to invest it (doing that today in fact)

A tiny bit of market timing but not going to be all that impactful IMO.
by Tamalak
Tue Dec 18, 2018 9:48 am
Forum: Personal Investments
Topic: Is anyone's portfolio not tanking???
Replies: 129
Views: 13460

Re: Is anyone's portfolio not tanking???

Yep, my portfolio crossed (backwards) a certain psychological threshhold just yesterday. Gruelling December!
by Tamalak
Wed Dec 12, 2018 2:17 pm
Forum: Personal Investments
Topic: Motley Fools is now for fools only?.....RIP
Replies: 30
Views: 6932

Re: Motley Fools is now for fools only?.....RIP

I credit Fools for introducing me to the idea that the expense ratio of a fund is incredibly important.

Fortunately I identified most of their nonsense for what it was.
by Tamalak
Mon Nov 19, 2018 10:25 am
Forum: Investing - Theory, News & General
Topic: The Rise of Passive Investing - Are we missing something?
Replies: 18
Views: 3197

Re: The Rise of Passive Investing - Are we missing something?

It's a good question and one worth revisiting. History is full of examples of the dangers of bandwagoning and like it or not, index investing is a bandwagon right now, big time. Others have already mentioned that there's no problem with the loss of active investors. We always had way more active inv...
by Tamalak
Fri Nov 16, 2018 2:15 pm
Forum: Investing - Theory, News & General
Topic: How do you "Stay the Course"?
Replies: 78
Views: 10891

Re: How do you "Stay the Course"?

How do you "stay the course"?
By being as emotional as I please, and peeking whenever I want, but simply choosing not ever to stray from my investment protocol.

Stoicism is better and simpler than any other emotional strategy imo. For investing and life in general.
by Tamalak
Fri Nov 16, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: What if mean reversion of stock prices is a myth?
Replies: 18
Views: 2013

Re: What if mean reversion of stock prices is a myth?

You can always draw a line thru an asset's historical value and say "look! It keeps reverting to this mean!" I don't believe in it at all. Good news is good, profit is profit. Bad news is bad, losses are losses. There is no magical karmic balancing force that says one needs to lead to the other. The...
by Tamalak
Fri Nov 16, 2018 10:52 am
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 7545

Re: Are you all staying the course?

100% stocks and half of that international, I'm taking a beating this year, but not even tempted to stray from the course :sharebeer
by Tamalak
Sun Nov 04, 2018 9:41 am
Forum: Investing - Theory, News & General
Topic: Brett Arends: Here's a simple way to beat a bear market
Replies: 38
Views: 5370

Re: Brett Arends: Here's a simple way to beat a bear market

Here's a crazy strategy. Get out of the overvalued stock market now, and then dollar-average back in over 3-month intervals. Why would you want to buy something you know is overvalued at all, even with DCA? That IS crazy. Why do you think stocks are overvalued? I have no idea if they're overvalued ...
by Tamalak
Sun Nov 04, 2018 9:32 am
Forum: Investing - Theory, News & General
Topic: Brett Arends: Here's a simple way to beat a bear market
Replies: 38
Views: 5370

Re: Brett Arends: Here's a simple way to beat a bear market

CULater wrote:
Thu Nov 01, 2018 7:16 pm
Here's a crazy strategy. Get out of the overvalued stock market now, and then dollar-average back in over 3-month intervals.
Why would you want to buy something you know is overvalued at all, even with DCA? That IS crazy.
by Tamalak
Sun Nov 04, 2018 4:21 am
Forum: Investing - Theory, News & General
Topic: Buffett Repurchases More Than $900 Million of Stock: is the stock market overpriced?
Replies: 10
Views: 2906

Re: Buffett Repurchases More Than $900 Million of Stock: is the stock market overpriced?

Buffett's strategy is to find "fish in a bucket" to shoot. He only makes a move when he sees an opportunity that is 100% obvious to him. If he doesn't see an overwhelmingly safe and easy opportunity he is perfectly content to do nothing in particular for years. So no, it does not mean the stock mark...
by Tamalak
Fri Nov 02, 2018 9:57 am
Forum: Investing - Theory, News & General
Topic: Apple's share plummeting: should we 'kick out the largest stock' as Rob Arnott suggests?
Replies: 40
Views: 2203

Re: Apple's share plummeting: should we 'kick out the largest stock' as Rob Arnott suggests?

Isn't it pretty well known that larger caps underperform smaller caps in the long term on average because they're also less volatile/risky? So it would make sense that the largest cap out there would underperform the market. I can see the logic in tilting away from large cap, but I'm already 100% st...
by Tamalak
Fri Nov 02, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: What is an "advanced" investor?
Replies: 34
Views: 2670

Re: What is an "advanced" investor?

"advanced" investor is a totally arbitrary term.

To me, an advanced investor is someone who actually practices price discovery well enough to beat the market more than randomly.
by Tamalak
Fri Nov 02, 2018 9:49 am
Forum: Investing - Theory, News & General
Topic: no dividends in index funds!
Replies: 95
Views: 9706

Re: no dividends in index funds!

When you're paid a dividend, it's like taking a dollar out of your wallet and putting it in your pocket. You already owned the thing that had the money in it so you already owned the money before the dividend. We all buy shares of companies because we want to profit, and profit feels 'real' when it'...
by Tamalak
Tue Oct 30, 2018 11:08 am
Forum: Investing - Theory, News & General
Topic: Anyone else feel giddy every time VXUS gets creamed? [Vanguard Total International]
Replies: 69
Views: 6491

Re: Anyone else feel giddy every time VXUS gets creamed? [Vanguard Total International]

I wish I felt the same as OP, but I think VXUS's constant, and I mean constant underperformance compared to VTI is due to an increasing awareness that the world outside the US is just determined to fail :oops: Nonetheless.. will continue to balance to world cap. I shall follow my investment plan off...
by Tamalak
Thu Oct 25, 2018 11:06 am
Forum: Investing - Theory, News & General
Topic: Why I'm 100% stocks
Replies: 149
Views: 18537

Re: Why I'm 100% stocks

I have about 1 year's worth of expenses in bonds. The rest in stocks. I see no reason not to do this even later in the accumulation phase. I consider stocks the best way not just to make money but to preserve your buying power. Stock crashes are dramatic but imo the eating away of value by inflation...
by Tamalak
Thu Oct 25, 2018 9:20 am
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: 110790

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

zonto wrote:
Thu Oct 25, 2018 9:15 am
Tamalak wrote:
Thu Oct 25, 2018 8:55 am
Then it's REALLY good news the entire world outside the USA has gone nowhere in 10 years. Absolute garbage :oops:
Kind of like how the U.S. market went nowhere for the 10 years comprising the 2000s. Was that absolute garbage too?
Yes :D
by Tamalak
Thu Oct 25, 2018 8:55 am
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: 110790

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

Then it's REALLY good news the entire world outside the USA has gone nowhere in 10 years. Absolute garbage :oops:
by Tamalak
Thu Oct 18, 2018 1:52 pm
Forum: Investing - Theory, News & General
Topic: flat for the year
Replies: 27
Views: 2674

Re: flat for the year

Flat for the year? I'm jealous.

I sure do wish international would decide to stop being trash for a little while.. :|
by Tamalak
Tue Oct 16, 2018 8:57 am
Forum: Personal Investments
Topic: $50,000: Should I buy now or wait for the market to drop further?
Replies: 43
Views: 7402

Re: $50,000: Should I buy now or wait for the market to drop further?

The best time to invest in the market is 40+ years ago. So get it in now so you can get to that point.
by Tamalak
Tue Oct 02, 2018 9:09 am
Forum: Personal Investments
Topic: Bonds... Why do people bother with them. ?
Replies: 71
Views: 7737

Re: Bonds... Why do people bother with them. ?

I use bonds as a buffer. I keep one full year of expenses in them. That's a small part of my portfolio so it doesn't inhibit returns much, but it'll definitely help me sleep if the market crashes!
by Tamalak
Tue Oct 02, 2018 8:34 am
Forum: Investing - Theory, News & General
Topic: Why won't the US markets average 0-2% (or 10-20%) real returns for a few decades?
Replies: 20
Views: 2902

Re: Why won't the US markets average 0-2% (or 10-20%) real returns for a few decades?

I think the real question here is why has the historical real returns always been 6-7%? It's been far from steady decade by decade, but if you package good decades with bad it always seems to hit that mark.

The follow up is, is this likely to continue?