Search found 114 matches

by AnalogKid22
Wed Mar 14, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey on Bonds
Replies: 107
Views: 9242

Re: Dave Ramsey on Bonds

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...
by AnalogKid22
Wed Mar 14, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey on Bonds
Replies: 107
Views: 9242

Re: Dave Ramsey on Bonds

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...
by AnalogKid22
Fri Feb 16, 2018 6:43 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435278

Re: U.S. stocks in freefall

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.
by AnalogKid22
Fri Feb 09, 2018 2:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435278

Re: U.S. stocks in freefall

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...
by AnalogKid22
Fri Feb 09, 2018 1:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435278

Re: U.S. stocks in freefall

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...
by AnalogKid22
Thu Feb 08, 2018 3:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435278

Re: U.S. stocks in freefall

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...
by AnalogKid22
Wed Feb 07, 2018 7:29 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435278

Re: U.S. stocks in freefall

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 ...
by AnalogKid22
Tue Feb 06, 2018 3:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435278

Re: U.S. stocks in freefall

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]
by AnalogKid22
Mon Feb 05, 2018 6:29 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435278

Re: U.S. stocks in freefall

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.
by AnalogKid22
Mon Feb 05, 2018 4:51 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435278

Re: U.S. stocks in freefall

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...
by AnalogKid22
Mon Feb 05, 2018 4:37 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435278

Re: U.S. stocks in freefall

Largest gains ever in a few months to largest single-day drop ever - makes sense.
by AnalogKid22
Mon Feb 05, 2018 4:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435278

Re: U.S. stocks in freefall

Who said index investing is boring?
by AnalogKid22
Mon Feb 05, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435278

Re: U.S. stocks in freefall

Rather it happens earlier in the year. Hopefully, it provides more time for a rebound.
by AnalogKid22
Fri Feb 02, 2018 4:38 pm
Forum: Investing - Theory, News & General
Topic: TSM believers, defend thyself! (In a good natured, friendly debate.)
Replies: 59
Views: 6889

Re: TSM believers, defend thyself! (In a good natured, friendly debate.)

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...
by AnalogKid22
Fri Feb 02, 2018 4:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435278

Re: U.S. stocks in freefall

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...
by AnalogKid22
Fri Feb 02, 2018 4:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435278

Re: U.S. stocks in freefall

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..."
by AnalogKid22
Fri Feb 02, 2018 3:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1435278

Re: U.S. stocks in freefall

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
by AnalogKid22
Fri Feb 02, 2018 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Bonds - Am I missing something
Replies: 89
Views: 7833

Re: Bonds - Am I missing something

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...
by AnalogKid22
Fri Feb 02, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Bonds - Am I missing something
Replies: 89
Views: 7833

Re: Bonds - Am I missing something

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...
by AnalogKid22
Fri Feb 02, 2018 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Bonds - Am I missing something
Replies: 89
Views: 7833

Re: Bonds - Am I missing something

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...
by AnalogKid22
Tue Jan 30, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Should I join Linkedin?
Replies: 48
Views: 3985

Re: Should I join Linkedin?

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 ...
by AnalogKid22
Mon Jan 29, 2018 6:30 pm
Forum: Investing - Theory, News & General
Topic: TSM believers, defend thyself! (In a good natured, friendly debate.)
Replies: 59
Views: 6889

Re: TSM believers, defend thyself! (In a good natured, friendly debate.)

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...
by AnalogKid22
Mon Jan 29, 2018 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Automatic investing: once/month or twice/month?
Replies: 10
Views: 1110

Re: Automatic investing: once/month or twice/month?

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...
by AnalogKid22
Fri Jan 26, 2018 3:47 pm
Forum: Forum Issues and Administration
Topic: Help with avatar
Replies: 10
Views: 967

Re: Help with avatar

http://www.simpleimageresizer.com/

Upload your image, set dimensions to 100x100, click Resize.
by AnalogKid22
Thu Jan 25, 2018 6:11 pm
Forum: Investing - Theory, News & General
Topic: Diary of a Bear Market
Replies: 24
Views: 3114

Re: Diary of a Bear Market

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.
by AnalogKid22
Thu Jan 25, 2018 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking About Timing the Market
Replies: 75
Views: 6383

Re: Thinking About Timing the Market

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...
by AnalogKid22
Thu Jan 25, 2018 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking About Timing the Market
Replies: 75
Views: 6383

Re: Thinking About Timing the Market

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...
by AnalogKid22
Thu Jan 25, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Ira Contributions - Tax Year 2018
Replies: 5
Views: 385

Re: Roth Ira Contributions - Tax Year 2018

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.
by AnalogKid22
Wed Jan 24, 2018 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 6810

Re: Your bond allocation when you were 48

It appears "age in bonds" is not the norm.
by AnalogKid22
Wed Jan 24, 2018 11:24 am
Forum: Investing - Theory, News & General
Topic: Dalio says bonds have entered a bear market
Replies: 96
Views: 10296

Re: Dalio says bonds have entered a bear market

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.
by AnalogKid22
Tue Jan 23, 2018 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: RothIRA/index timing?
Replies: 8
Views: 672

Re: RothIRA/index timing?

How long do you plan to invest until you need the money?
by AnalogKid22
Tue Jan 23, 2018 9:21 pm
Forum: Investing - Theory, News & General
Topic: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?
Replies: 40
Views: 3966

Re: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?

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.
by AnalogKid22
Tue Jan 23, 2018 7:40 pm
Forum: Investing - Theory, News & General
Topic: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?
Replies: 40
Views: 3966

Re: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?

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! ...
by AnalogKid22
Tue Jan 23, 2018 6:59 pm
Forum: Investing - Theory, News & General
Topic: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?
Replies: 40
Views: 3966

Re: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?

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...
by AnalogKid22
Tue Jan 23, 2018 6:39 pm
Forum: Investing - Theory, News & General
Topic: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?
Replies: 40
Views: 3966

Re: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?

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...
by AnalogKid22
Tue Jan 23, 2018 6:30 pm
Forum: Investing - Theory, News & General
Topic: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?
Replies: 40
Views: 3966

Re: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?

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.
by AnalogKid22
Tue Jan 23, 2018 5:51 pm
Forum: Investing - Theory, News & General
Topic: [Invested today, so] Here Comes the long awaited Correction
Replies: 9
Views: 2125

Re: Here Comes the long awaited Correction

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.
by AnalogKid22
Mon Jan 22, 2018 8:26 pm
Forum: Forum Issues and Administration
Topic: Doesn't seem like people respond to portfolio assessments like they did a few years ago.
Replies: 105
Views: 11133

Re: Doesn't seem like people respond to portfolio assessments like they did a few years ago.

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.
by AnalogKid22
Thu Jan 18, 2018 7:04 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing in last 12 months
Replies: 19
Views: 1600

Re: Rebalancing in last 12 months

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.
by AnalogKid22
Thu Jan 18, 2018 4:47 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 363
Views: 41454

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

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...
by AnalogKid22
Thu Jan 18, 2018 4:20 pm
Forum: Investing - Theory, News & General
Topic: Bonds in Roth IRA?
Replies: 3
Views: 735

Re: Bonds in Roth IRA?

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...
by AnalogKid22
Thu Jan 18, 2018 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Bonds in Taxable: State-Specific Muni Fund?
Replies: 10
Views: 1197

Re: Bonds in Taxable: State-Specific Muni Fund?

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 ...
by AnalogKid22
Wed Jan 17, 2018 5:59 pm
Forum: Investing - Theory, News & General
Topic: Recent market gains
Replies: 18
Views: 1810

Re: Recent market gains

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...
by AnalogKid22
Wed Jan 17, 2018 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds in Taxable: State-Specific Muni Fund?
Replies: 10
Views: 1197

Re: Bonds in Taxable: State-Specific Muni Fund?

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? No set plans on moving at this time, but it's a possibility. Safer to go with VWI...
by AnalogKid22
Wed Jan 17, 2018 11:36 am
Forum: Investing - Theory, News & General
Topic: Will a bond sell-off be the catalyst for a Major Market Correction?
Replies: 13
Views: 1526

Re: Will a bond sell-off be the catalyst for a Major Market Correction?

willthrill81 wrote:
Wed Jan 17, 2018 11:28 am
Nobody knows when the next correction will occur nor what the catalyst will be.
Nor how big it might be. Will those still holding cash on the sidelines go all-in if we get a 10% correction (is that the big one?!), only to see yet another 10% correction a few months later?
by AnalogKid22
Tue Jan 16, 2018 8:08 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 5039

Re: Anyone pondering moving to a cheaper place and downsizing?

Rob in cal, Welcome to Bogleheads. What a interesting thought... This article has your name written all over it. Enjoy... http://www.mrfreeat33.com/can-you-retire-in-thailand-with-200000/ Great article. I''ve been seriously considering living abroad for some time. I'm single, no kids, and with my s...
by AnalogKid22
Tue Jan 16, 2018 8:00 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 5039

Re: Anyone pondering moving to a cheaper place and downsizing?

Rob in cal, Welcome to Bogleheads. What a interesting thought... This article has your name written all over it. Enjoy... http://www.mrfreeat33.com/can-you-retire-in-thailand-with-200000/ Great article. I''ve been seriously considering living abroad for some time. I'm single, no kids, and with my s...
by AnalogKid22
Tue Jan 16, 2018 7:52 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 5039

Re: Anyone pondering moving to a cheaper place and downsizing?

Rob in cal, Welcome to Bogleheads. What a interesting thought... This article has your name written all over it. Enjoy... http://www.mrfreeat33.com/can-you-retire-in-thailand-with-200000/ Great article. I''ve been seriously considering living abroad for some time. I'm single, no kids, and with my s...
by AnalogKid22
Fri Jan 12, 2018 5:33 pm
Forum: Investing - Theory, News & General
Topic: DOW breaks 25,000 for first time ever
Replies: 55
Views: 5963

Re: DOW breaks 25,000 for first time ever

Up nearly 600 points this week ending 25,803. 26,000 next week? Say what? And I was about to order my Dow 25k Hat! The Two Pillars holding this country together are (1) an economy better than expected, (2) a stock market better than expected. How long will the two pillars hold, no one knows. Enjoy ...