Bogleheads.org

AnalogKid22

And not to forget that those who contribute to their employee stock purchase plans (ESPP), particularly if your plan buys a percentage off the low for the period, should also benefit from "the dip". My company stock dropped 27% on 12/21, has recovered 23%, and steadily climbing, since, so 15% off th...

AnalogKid22

I always front-load my entire Roth contribution at the very start of the new year. Including my regular DCA contributions since "the dip", it has been most welcome and has worked in my favor, so far...

AnalogKid22

We're still climbing the 'wall of worry' today. Anything good out of the China talks could move the markets a lot, but that seems unlikely from what I've read. I had such a strong desire to sell most of my stable value fund and move it to equities. Didn't do that of course, but I'm hitting that poi...

AnalogKid22

Apple reporting tomorrow, though they’ve already stated that iPhones sales were way below target. Possibly a large drop tomorrow. One of my favorite things about this thread is that it demonstrates over and over again how futile it is to try to predict market movements even a day in advance. Indeed...

AnalogKid22

It's not that it's "nothing". But, it's known it can happen. So, what's to learn from something that should be known and expected? If we all invest in the stock market, we're going to lose money from time to time. If you're investing long-term, I think it's better to say that "our portfolios drop f...

AnalogKid22

Apple reporting tomorrow, though they’ve already stated that iPhones sales were way below target. Possibly a large drop tomorrow.

AnalogKid22

AAPL - released ominous guidance at the beginning of the year. Its stock price probably reflects some pretty negative assumptions. I think Apple will have some issues going forward, but my prediction is mild positive to boring earning announcement this time. In any case, any development in China tr...

AnalogKid22

Major earnings reports from Facebook, Microsoft, Amazon, and Apple this week: https://www.cnbc.com/2019/01/25/apple-microsoft-and-amazon-are-in-the-next-wave-of-earnings-.html I'm going to go out on a limb and say that earnings will be a 'disappointment' and the market will go down a bit. But what ...

AnalogKid22

Major earnings reports from Facebook, Microsoft, Amazon, and Apple this week: https://www.cnbc.com/2019/01/25/apple-m ... ings-.html

AnalogKid22

My HSA is such a small part of my AA and I don't have any immediate health problems. I simply contribute the max, get the employer match, and fully invest in a single growth fund to build it as much as possible for when I need it in the future.

AnalogKid22

Let's not kid ourselves. For investors with the highest levels of net worth, market moves might be academically interesting, things to be ignored or brushed off. For those with historical perspective, who've lived through major downturns and even crashes, we can tell each other that such things are...

AnalogKid22

The most important decision an investor can make is the allocation between stocks and bonds. Then stay the course. This time will not be different! Not really. The most important decision is living below your means. A new investor can just put his or her money in target date fund and become multi-m...

AnalogKid22

The most important decision an investor can make is the allocation between stocks and bonds. Then stay the course. This time will not be different! Exactly, but when investing during a long bull people get comfortable. They’re willing to take the risks because, even with small corrections, the mark...

AnalogKid22

Narrative. Cherry picking. Pattern seeking. Many posts wouldn't have to be filled with negativity or fear if individuals had a simple, well thought out long term plan prepared in advance , stuck to it , and ignored all short term market activity along with the attendant noise from any source. Yes, ...

AnalogKid22

Anyone still hold cash on the sideline? I am basically all cash. I hold 0% equities. This is far from over. On December 24, 2018 I borrowed from my "emergency" cash trying to catch the falling knife. bought VTI at 121.9, 120.94 and 120. Weeeeeee, some fun. I'm sad I can't buy any more stock until A...

AnalogKid22

Anyone still hold cash on the sideline? I am basically all cash. I hold 0% equities. This is far from over. Why not DCA? He was invested and pulled out because he believes the market will decline. No reason to DCA that I can see (I still disagree with his plan). Understood, but the beauty of DCA le...

AnalogKid22

DanMahowny wrote: ↑
Fri Jan 18, 2019 5:20 pm

H-Town wrote: ↑
Fri Jan 18, 2019 10:49 am
Anyone still hold cash on the sideline?
I am basically all cash. I hold 0% equities.

This is far from over.

Why not DCA?

AnalogKid22

Anyone still hold cash on the sideline? Staying the course. Did buy a bit near the bottom of the recent correction and glad I made full Roth contribution earlier this month! TLH at the end of last year and contributing $12k to Roth IRAs at the beginning of this year has worked out very well. Great ...

AnalogKid22

Yes, all bonds in 401K. I'm currently at a ~75/25 stock/bond allocation. All stocks are in taxable, Roth IRA, and HSA, so I hold all bonds in a rollover IRA (401Ks from previous employers) and regularly buy bonds, including company match, in my current Traditional 401K. Sounds like exactly, what I ...

AnalogKid22

H-Town wrote: ↑
Fri Jan 18, 2019 10:49 am
Anyone still hold cash on the sideline?

Staying the course. Did buy a bit near the bottom of the recent correction and glad I made full Roth contribution earlier this month!

AnalogKid22

Yes, all bonds in 401K. I'm currently at a ~75/25 stock/bond allocation. All stocks are in taxable, Roth IRA, and HSA, so I hold all bonds in a rollover IRA (401Ks from previous employers) and regularly buy bonds, including company match, in my current Traditional 401K.

AnalogKid22

Thanks, Mr. Bogle! You changed so many lives.

AnalogKid22

Indices now up over 3% on the heels of FED interview, China trade talks, job reports etc. :beer Yes, the strong jobs report and pending trade talks feel like a build-up that could quickly deflate if the outcome isn't good. Wow - what a day! Glad I re-balanced into stocks yesterday and not today. Un...

AnalogKid22

If the money is going into a Roth, I have to assume you don't plan to touch it for several years, so the earlier you invest, the better. For example, you might buy today and watch your 5K plummet to 1K on Monday, but in 10 years, whether the market is higher or lower than today, you won't even remem...

AnalogKid22

ReformedSpender wrote: ↑
Fri Jan 04, 2019 11:14 am
Indices now up over 3% on the heels of FED interview, China trade talks, job reports etc.

Yes, the strong jobs report and pending trade talks feel like a build-up that could quickly deflate if the outcome isn't good.

AnalogKid22

GoldStar wrote: ↑
Fri Jan 04, 2019 9:59 am
Crazy start to the market today with major indices up over 2% right now. Yesterday's over-reaction to Apple's news perhaps being wiped clean.

And it could all be erased by end of the day... The market is just so volatile right now.

AnalogKid22

Sucks for everyone who funded and invested their Roth IRAs yesterday. No big deal so far. You are down a whopping $50 or so if you contributed $6,000 yesterday. Exactly. If you're betting on a huge return overnight, go to a casino, don't invest in mutual funds. Besides, yesterday they called for Do...

AnalogKid22

BWildt wrote: ↑
Wed Jan 02, 2019 11:49 pm
Why not use both?

I do. Tax sheltered means the govt only taxes the money when it enters or leaves the account. Letting it grow for decades without being taxed every month, quarter, year, for example, is a major advantage. I max my HSA for the same reasons.

AnalogKid22

$6,000 to Roth IRA complete and it's on a down day...

AnalogKid22

ruralavalon wrote: ↑
Fri Dec 21, 2018 12:21 pm
If I had any uninvested cash I would be buying stock index funds.

+1

AnalogKid22

What a fantastic and insightful tip. Translation: if the market doesn't stop trending down, it will keep trending down. Federal Reserve meeting today; no matter what the FED does it is a fact the market will react. Right. And today looks to be a good today & I assume the market "believes" in a Fed ...

AnalogKid22

When is the Santa Rally supposed to start?

AnalogKid22

I'm excited to see bonds going up and glad I got out of international a 2 months ago.

AnalogKid22

What a rollercoaster year! One day its 1-2% gains, the next it's all erased.

AnalogKid22

There was a similar article last year: https://www.marketwatch.com/story/john- ... 2017-06-01

AnalogKid22

Texas Pacific Land Trust (TPL) - A retired friend who day-trades as a hobby tipped me off to this in Summer 2014, when oil stocks were plummeting, due to fracking and over-supply. The stock was 225 a few months earlier and I got in at 175. It kept dropping and every week he kept telling me to buy, ...

AnalogKid22

There are too many investors in the market now who haven't experienced a true bear. I was speaking to one of them a couple of weeks ago who complained because his returns for the past year were less than 2%. He has no idea. Lots of new investors have entered the market during the bull, so all they'...

AnalogKid22

Christmas came early this year, folks. Hopefully, we will see another 10% discount before the end of the year. A recession would not hurt either. Yet another statement that an economic downturn is simply an opportunity to buy stocks on sale without any potential impact on one's employment status. A...

AnalogKid22

100% stock is great for some, I am simply not willing to risk a prolonged 50% decline in my life's savings. At least once in the past: stocks have dropped over 20% in a single day, and have dropped about 90% in a few years. Glad to leave some money on the table, or work a bit longer, in exchange fo...

AnalogKid22

Thanks for this! A very timely post for me.

AnalogKid22

willthrill81 wrote: ↑
Tue Oct 23, 2018 12:05 pm
Bogle's animal spirits are still at work methinks. The indicators still do not point to an immediate recession on the horizon.

Agree. With the unemployment rate still at an all-time low, businesses clearly have money to spend and are very much spending.

AnalogKid22

DOW is back below 25,000. Lots of major companies reporting quarterly earnings this week, so expect dramatic swings. Notable companies reporting earnings include McDonald’s (MCD), 3M (MMM), Caterpillar (CAT), Verizon (VZ), Lockheed Martin (LMT), and Harley-Davidson (HOG) on Tuesday; Microsoft (MSFT)...

AnalogKid22

Amazon, Microsoft, and Alphabet are reporting earnings this week: https://finance.yahoo.com/news/amazon-e ... 54889.html

AnalogKid22

Another big drop incoming it seems! I kinda wanna take out money from my EF and buy more VTSAX today... I am a new investor (only since last October) and don't know if this is wise... If you don't know if it's wise, it probably isn't. Exactly. No one on this board can predict the market or tell you...

AnalogKid22

watchnerd wrote: ↑
Tue Oct 16, 2018 11:10 pm
So bummed at these gains

Almost half of which have been erased today.

AnalogKid22

Couldn't agree more, but not easy to do.

AnalogKid22

Funny, my answer would be EVERYONE. Young investors as any prolonged bear marked in stocks will lead to layoffs. The most overconfident aspect I have seen from even folks on this site is their confidence of not getting fired when the next downturn occurs. Retirees if timing is poor the sequence of ...

AnalogKid22

Have to wonder what is driving this chaos. We haven't seen similar market drops during previous rate hikes, so I'm loathe to attribute it to that. TSLA's glacially-paced implosion is meaningless because the company isn't large enough to drive a drop of this size. Something something animal spirits,...

AnalogKid22

WhiteMaxima wrote: ↑
Wed Oct 10, 2018 3:47 pm
remember most 10% correction or 20% more crash won't be completed in one day. So a 3% drop might be the prelude of big market correction. The stock won'r always go up, it can go down a lot. If you invest too aggressive, you need to turn down a bit.

DCAing within my DCAing...

AnalogKid22

tony_roach wrote: ↑
Wed Oct 10, 2018 3:35 pm
Good reason for me to add a couple of thousand at closing today into my taxable total market ETF.

I did the same. Watch it drop more tomorrow...

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