Search found 120 matches

by AnalogKid22
Thu Sep 13, 2018 12:37 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio’s latest fearmongering round
Replies: 52
Views: 4645

Re: Ray Dalio’s latest fearmongering round

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...
by AnalogKid22
Tue Aug 28, 2018 8:49 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 238
Views: 21577

Re: U.S. stocks continue to soar!

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 ...
by AnalogKid22
Mon Aug 27, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: Any metrics that say US Stocks are *NOT* expensive?
Replies: 70
Views: 4625

Re: Any metrics that say US Stocks are *NOT* expensive?

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"...
by AnalogKid22
Mon Aug 27, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: The first million is the hardest?
Replies: 46
Views: 9007

Re: The first million is the hardest?

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 ...
by AnalogKid22
Tue Aug 07, 2018 1:23 pm
Forum: Investing - Theory, News & General
Topic: holding bonds-why or why not?
Replies: 19
Views: 2277

Re: holding bonds-why or why not?

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...
by AnalogKid22
Tue Aug 07, 2018 9:08 am
Forum: Investing - Theory, News & General
Topic: holding bonds-why or why not?
Replies: 19
Views: 2277

Re: holding bonds-why or why not?

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.
by AnalogKid22
Wed Mar 14, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey on Bonds
Replies: 107
Views: 10082

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: 10082

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: 6840
Views: 1492892

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: 6840
Views: 1492892

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: 6840
Views: 1492892

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: 6840
Views: 1492892

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: 6840
Views: 1492892

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: 6840
Views: 1492892

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: 6840
Views: 1492892

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: 6840
Views: 1492892

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: 6840
Views: 1492892

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: 6840
Views: 1492892

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: 6840
Views: 1492892

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: 7083

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: 6840
Views: 1492892

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: 6840
Views: 1492892

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: 6840
Views: 1492892

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: 8635

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: 8635

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: 8635

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: 4210

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: 7083

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: 1359

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: 1313

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: 3292

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: 6667

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: 6667

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: 408

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: 7295

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: 10754

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: 720

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: 4108

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: 4108

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: 4108

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: 4108

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: 4108

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: 2151

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: 12520

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: 1669

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: 43234

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: 899

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: 1305

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: 1919

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...