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AnalogKid22

I think fear mongering implies some sort of outcome that benefits the mongerer. For instance when Peter Schiff gets on the radio and predicts all sorts of meltdowns only gold can buttress against and then mentions Schiff gold. This just seems like someone that is pessimistic about the trajectory of...

AnalogKid22

When the threads pop up about 100% stocks, it tells me that lots of folks have already forgotten the pain of the 2000-2002 and the 2008-2009 bear markets. Could be that the veterans remember this and that maybe these threads are from newer investors and newer forum members. It would be interesting ...

AnalogKid22

Of course "nobody knows nothin," but this article from last week claims, with some metrics, that the market is far from overvalued: https://seekingalpha.com/article/4200910-stock-market-overvalued-bear-market-nowhere-close While this article from two days ago says the market is "slightly overvalued"...

AnalogKid22

The real problem was that low cost index fund investing is B-O-R-I-N-G, so we all set aside a small amount of "fun money" and would talk about what to do with that, have little competitions in who could get the best returns, shared stories, and talked about financial news. So true. Index funds are ...

AnalogKid22

Holding bonds makes perfectly good sense for some people, but not everyone. Warren Buffett (whom I admire tremendously) is a perfect example of someone who does not particularly like to hold bonds. Compared to the average investor, if the stock market tanks, someone like Buffet is still a multi-Bil...

AnalogKid22

I'm planning to retire in 5-10 years. If I was 100% in stocks and there is a significant market correction in the next few years, my retirement plans could be derailed. I hold bonds to reduce this risk. The longer your investment horizon the more risk you should take, so bonds are less important.

AnalogKid22

From DR website... When you’re choosing your mutual funds, we recommend you invest in funds with a long history—10 years or more--of strong returns. Spread your investments across these four types of funds, with 25% in each type. Growth and Income: These funds have a history of stable growth that a...

AnalogKid22

I often question the role bonds have played in my portfolio. I am mid 50's with 40% bonds. I don't think that I, along with most Bogelheads, need bonds to keep me invested and "steady at the wheel". I do sometimes question this investing philosophy given how so many times bonds seem to move down in...

AnalogKid22

Helo80 wrote: ↑
Fri Feb 16, 2018 5:59 pm

lostdog wrote: ↑
Fri Feb 16, 2018 12:46 pm
Anyone here admit to emotional selling during that dip?
I emotionally bought some TSM... not a huge amount, but how often does the dow fall 1000 points? Might as well market time a bit.

Me too, but still contributing to TSM every 2-weeks.

AnalogKid22

Fees, savings rate - that’s all I can control and it’s all I worry about The stock market is nothing but a bunch of BS that if you have the stomach for will make you money over time I think this is part of the reason many investors use advisors, so they aren't involved in the day-to-day. They pay s...

AnalogKid22

Funny how the media and folks here are all acting like this is a major event eroding all our portfolios. I suppose its because its the first minor correction that we've seen in a while. All indexes are still much higher than they were this time last year. That said - I'm still trading some bonds fo...

AnalogKid22

Once more international is dropping the same or more than US Why is that? because I've put in like 10K over the last 2 weeks - oh well, buy more i guess Why not just set up auto contributions from your bank for every week, 2 weeks, a month, or whatever your preference? Sometimes you buy high, somet...

AnalogKid22

I'm part of the buyer group. I just cut some discretionary expense and bought equity on sale. This is an advantage of having a budget :greedy This really isn't much of a sale.... Exactly. Equities went up over several years, went way up in a few months, which scared investors, then dropped back to ...

AnalogKid22

CULater wrote: ↑
Tue Feb 06, 2018 3:10 pm
Up nearly 500 at end of day. Whaaaatttt!

The mascot for today's market:

[embedded animated GIF removed by admin LadyGeek, here's the link: https://m.popkey.co/9be03d/DQJye.gif]

AnalogKid22

njuser wrote: ↑
Mon Feb 05, 2018 6:23 pm
Vanguard is updated for today. ow.

T'is but a scratch. And people ask why they should hold bonds.

AnalogKid22

For someone 25-30 yrs from retirement, with <100k in 401k, with plans of maxing out 2 401ks starting later this year, am I crazy in thinking this is a good thing? Unless it turns into a recession and you lose your job. People need to stop wishing for a crash. At least out loud. Even if YOU don't ge...

AnalogKid22

Largest gains ever in a few months to largest single-day drop ever - makes sense.

AnalogKid22

Who said index investing is boring?

AnalogKid22

Rather it happens earlier in the year. Hopefully, it provides more time for a rebound.

AnalogKid22

Boeing, McDonald's, Apple, Chevron, and Facebook are among the companies scheduled to report earnings later this week. VTSAX will most likely go up significantly. One of my main beliefs is "never make return predictions", since reality has a way of smashing them. So true. All of these companies pos...

AnalogKid22

The BH philosophy is to not market time, yet the majority of posts are about just that. There will be a lot of unhappy people when things take an ugly turn. "I know I shouldn't market time, but..." I'll bet that all but the most die-hard BHs would agree, though, that if the market going down causes...

AnalogKid22

The BH philosophy is to not market time, yet the majority of posts are about just that. There will be a lot of unhappy people when things take an ugly turn.

"I know I shouldn't market time, but..."

AnalogKid22

Could the explanation be as simple as rising bond rates make stocks relatively less attractive? I plan on watching Cramer tonight, so I can let you know what it was by tomorrow. He usually knows. https://www.msn.com/en-us/money/video/jim-cramer-weighs-in-on-the-stock-markets-massive-plunge/vi-BBICPBL

AnalogKid22

Is there a guarantee bonds wouldn’t plummet in value as well? Or is the appeal “they’d suck slightly less” There are no guarantees with any investment - that's the whole point of risk and return, otherwise, why invest at all? Did you look at those Vanguard charts showing the return for different al...

AnalogKid22

I've yet to go through a bear market, which is why I've been actively buying bonds the last year to maintain my AA at 75/25. It's been great watching my portfolio rise - I guess that's why they call this the "euphoria" stage - and we hear daily about the market breaking records and all the money pe...

AnalogKid22

I've yet to go through a bear market, which is why I've been actively buying bonds the last year to maintain my AA at 75/25. It's been great watching my portfolio rise - I guess that's why they call this the "euphoria" stage - and we hear daily about the market breaking records and all the money peo...

AnalogKid22

I primarily use LinkedIn to stay in touch with former co-workers and to see where they end up career-wise. If I'm interviewing candidates for a job and we share connections, I can get outside opinions. If I apply at a company and a connection works there, I can get insight into the employer. When I ...

AnalogKid22

These are the top holdings in VTSAX. Boeing, McDonald's, Apple, Chevron, and Facebook are among the companies scheduled to report earnings later this week. VTSAX will most likely go up significantly. Apple Inc. 111,385,671 $18,849,797,103 Microsoft Corp. 185,889,867 $15,901,019,223 Amazon.com Inc. 9...

AnalogKid22

Have there been any long-term studies showing any advantages/disadvantages to investing at different intervals? In other words, and specifically, I'm going to be setting up an automatic monthly investment into my kid's 529. Is it better to do $300/month once a month, or $150/month on the 1st and $1...

AnalogKid22

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Upload your image, set dimensions to 100x100, click Resize.

AnalogKid22

Very sobering to see the value of such big company names cut in half. Today we have tech giants like Amazon, Facebook, Microsoft, Google, etc. - I can only imagine seeing their prices plummet so low.

AnalogKid22

This person bailed at the end of 2016: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=203792&start=200#p3176690. How would you feel if you end up in the same situation? VTI (Total Stock Market) is up at least 25% since 1/3/17. Would you have bought back in yet, or still be waiting to re-ente...

AnalogKid22

I'm leaving my bonds in tax-sheltered as "dry powder" and literally just bought 10K of VTSAX in taxable this morning. I continue to DCA every two weeks, but, with cash on-hand, such a strong market outlook for 2018, and years before retirement I'm front-loading as much as I feel comfortable. After y...

AnalogKid22

goodlife828 wrote: ↑
Thu Jan 25, 2018 2:44 pm
Being young (age 30), I remain confident sticking with FUSEX.

As I get older, I can always re-balance. Until then, I am happy being 100% in FUSEX (for my ROTH).

You're 30... Invest it all and move on.

AnalogKid22

It appears "age in bonds" is not the norm.

AnalogKid22

US Treasury Secretary says the dollar's decline is good for trade: https://www.bloomberg.com/news/articles ... e-to-trade

AnalogKid22

I agree. It seems 2018, at least, is similar to the Bitcoin runup with a lot of FOMO people gradually jumping in as the market surges upward. Dalio "predicts" 12-18 months of this activity, at which point you'll gradually see a slowdown as banks, as Dalio puts it, "apply the breaks" by raising rates.

AnalogKid22

How long do you plan to invest until you need the money?

AnalogKid22

So true. DOW at 30,000 will be so amazing, but in 15+ years it will be the new 16,000. No one will care.

AnalogKid22

Yes, I'm terrified and, even though we're only 23 days into the year of an incredibly strong US economy, I decided to liquidate my portfolio. :D I'm loving this ride and will continue to do so for many months to come. You went cash? You bet! This market is way oversold! Sell! Stay on the sideline! ...

AnalogKid22

Let me clarify my original question. There are actually two questions: #1. Is anybody else worried about a crash and/or is a crash likely? No and Yes - When is the true question and I personally don't expect a "crash"in 2018. A correction? Sure, but how much is enough for people to feel safe invest...

AnalogKid22

As I'm sure most of you are aware, the stock market has been escalating very rapidly since the new year. As thrilled as I am by how much I have made in just three weeks, I'm also getting very nervous because "what goes up must come down". All this translates to, "Maybe my asset allocation isn't cor...

AnalogKid22

Yes, I'm terrified and, even though we're only 23 days into the year of an incredibly strong US economy, I decided to liquidate my portfolio.

I'm loving this ride and will continue to do so for many months to come.

AnalogKid22

We see these posts every, single day, multiple times per day, for years - they just keep coming. Just invest what you can when you can.

AnalogKid22

whodidntante wrote: ↑
Mon Jan 22, 2018 7:13 pm
It's likely a side effect of increasing traffic. The posts that require work and understanding are skipped for posts that require opinion.

Agree. Since I joined in 2014 I'm guessing a lot of buzz around index investing and financial independence has drawn people to Vanguard and this site.

AnalogKid22

Small rebalance so far, but increasing bond assets while still buying stocks. This bull ain't done runnin', but, even if it crashes head first into a major downturn, my current AA won't affect my sleep.

AnalogKid22

Few Americans realize how much wealth they do have compared to the rest of the world. In the US one needs something north of 300k per year to qualify as the top 1% However worldwide that number is more like $32,000 per year. In other words, over 70% of Americans are in the worlds 1% wealthiest peop...

AnalogKid22

Dealing with this now. Best to keep Roth IRA funds in equities for maximum growth. Look into tax-deferred bond funds for your taxable account, such as VWLTX or VWITX, to avoid federal taxes. See if your state has a municipal bond fund to avoid state taxes as well. For example, I live in MA, so I use...

AnalogKid22

I'm now in the exact situation as the OP - I also live in MA. If I went with VMATX in taxable and then moved to another state, would I then be required to sell VMATX for another state muni fund or a VWITX, for example? I don't think you would be required to sell, but there wouldn't be any point in ...

AnalogKid22

Several major US companies are reporting very positive results for the quarter. They're meeting or exceeding expectations and with the huge tax break this year, and continuing declining unemployment, there is speculation of a very strong 2018. https://www.msn.com/en-us/money/markets/dow-jumps-300-po...

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