Search found 1509 matches

by WhiteMaxima
Tue Dec 18, 2018 7:15 pm
Forum: Investing - Theory, News & General
Topic: Bull market is over, run for cover says Alan Greenspan
Replies: 3
Views: 147

Re: Bull market is over, run for cover says Alan Greenspan

Run for safety doesn't mean you out of market completely. If you have invested very aggressively, turn down a little bit. Preserve capital is always more import than earning the last dollar.
by WhiteMaxima
Tue Dec 18, 2018 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Net worth of $3.7M at age 47 - can I retire?
Replies: 129
Views: 15823

Re: Net worth of $3.7M at age 47 - can I retire?

eliminate the mortgage and start from there.
by WhiteMaxima
Tue Dec 18, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: what to do with cash if very risk averse?
Replies: 13
Views: 680

Re: what to do with cash if very risk averse?

Do you have a mortgage? If yes, use cash to pre-pay.
by WhiteMaxima
Tue Dec 18, 2018 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: The 4% rule
Replies: 24
Views: 2024

Re: The 4% rule

i am targeting 3% rule. plus pension and SS
by WhiteMaxima
Tue Dec 18, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Invested a lump sum a few weeks ago..
Replies: 27
Views: 1418

Re: Invested a lump sum a few weeks ago..

Dollar cost average and very important diversified (US/intl/Bond: VBIAX 30/30/40) folio. If I were you, I would pick a low cost balanced index fund (such as Vanguard Balanced Index) and do DCA throught the next 18 to 24 months and forget about market.
by WhiteMaxima
Tue Dec 18, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Any advice for buying a used car?
Replies: 69
Views: 2442

Re: Any advice for buying a used car?

Pure luck. But you always need to take the car to mech to check and complete service record.
by WhiteMaxima
Tue Dec 18, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Do you Report Home Improvements to County Tax Office?
Replies: 12
Views: 540

Re: Do you Report Home Improvements to County Tax Office?

Do you report your house tear and wear to your county tax office? Did I answer you question?
by WhiteMaxima
Tue Dec 18, 2018 2:09 pm
Forum: Investing - Theory, News & General
Topic: So...do I keep buying more equities?
Replies: 23
Views: 2353

Re: So...do I keep buying more equities?

If you DCA and not 100 into the equity, you will win. Now it's not the time to be all in. institute and folks with 100% equity during last couple of years bull want to out to harvest the gain. You should wait at least until the market back to norm. What if you're 100% equities and have no gains to ...
by WhiteMaxima
Tue Dec 18, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: So...do I keep buying more equities?
Replies: 23
Views: 2353

Re: So...do I keep buying more equities?

If you DCA and not 100 into the equity, you will win. Now it's not the time to be all in. institute and folks with 100% equity during last couple of years bull want to out to harvest the gain. You should wait at least until the market back to norm. What if you're 100% equities and have no gains to ...
by WhiteMaxima
Tue Dec 18, 2018 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone's portfolio not tanking???
Replies: 64
Views: 3779

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

Good or bad is relative term. For folk still at accumulate stage, market tank means same dollar buy more shares. I would increase my contribution and do Roth conversion. It is a good Christmas gift if you think from other angle.
by WhiteMaxima
Tue Dec 18, 2018 1:34 pm
Forum: Investing - Theory, News & General
Topic: So...do I keep buying more equities?
Replies: 23
Views: 2353

Re: So...do I keep buying more equities?

If you DCA and not 100 into the equity, you will win. Now it's not the time to be all in. institute and folks with 100% equity during last couple of years bull want to out to harvest the gain. You should wait at least until the market back to norm.
by WhiteMaxima
Tue Dec 18, 2018 1:10 pm
Forum: Investing - Theory, News & General
Topic: How to take advantage of market big swing?
Replies: 17
Views: 853

Re: How to take advantage of market big swing?

each correction is different. 2008 we had -40% correction happening in months. this time we might have -10% each year for couple of years. I will not out of market completely (I have 40% in) but I would put big % in much safe asset like bond but still making 3% a year.
by WhiteMaxima
Tue Dec 18, 2018 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Made Big mistake timing the market - help
Replies: 24
Views: 2558

Re: Made Big mistake timing the market - help

Sell it and put in money market to make 1% of interest. Take a deep breath knowing you cut off the loss. Now it's not the time to take excessive risk. preserve capital is more important than making money. Consider $20 is your tuition paid.
by WhiteMaxima
Tue Dec 18, 2018 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone's portfolio not tanking???
Replies: 64
Views: 3779

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

Unless you are 100% cash or even short selling the market. I said earlier this year, the tree won't grow forever to the sky. We had longest bull since 2009. I would bias toward more conservative AA (40/60) at the moment and wait out a major market correction. I might be wrong but at least I would be...
by WhiteMaxima
Tue Dec 18, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay for cable/internet/cellphone
Replies: 62
Views: 3055

Re: How much do you pay for cable/internet/cellphone

Internet: $39
No cable TV
Netflix: $11
Tidal MQA: $20
Berlin Philharmonic Digital Concert Hall: 100 Euro /year
Cell: one year free for two lines unlimited LTE data from Sprint , bring your own CDMA phone.
by WhiteMaxima
Tue Dec 18, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: How to take advantage of market big swing?
Replies: 17
Views: 853

Re: How to take advantage of market big swing?

from 2010 up to end of 2017, I can just blindly DCA and market reaches new high almost everyday. Since 2018, this has been changed. I increase my cash % and do regular rebalance.
by WhiteMaxima
Tue Dec 18, 2018 12:29 pm
Forum: Investing - Theory, News & General
Topic: Recession Coming
Replies: 56
Views: 6958

Re: Recession Coming

recession is good for the health of economy. image how life would be when there is 24h hrs day light and no night. I would increase emergency cash reserve, usually during recession, everything would be cheap and more fairly valued. good luck to everyone.
by WhiteMaxima
Tue Dec 18, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: How to take advantage of market big swing?
Replies: 17
Views: 853

How to take advantage of market big swing?

I have set up a target AA (60/40). I will stick with it. The market is recently act very volatile, sometimes +-2% day before and after. I am rebalance whenever there is >2% swing but still keep a large % in cash and bond. I would think 2019 would be same as volatile.
by WhiteMaxima
Mon Dec 17, 2018 8:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8812
Views: 1692653

Re: U.S. stocks in free fall

I will DCA through this.
by WhiteMaxima
Mon Dec 17, 2018 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Bottom fishing
Replies: 31
Views: 3064

Re: Bottom fishing

I just rebalance to my target AA. So when market drop, I will buy some and sell when market is up.
by WhiteMaxima
Mon Dec 17, 2018 7:54 pm
Forum: Investing - Theory, News & General
Topic: Has anyone adjusted their stock allocation on the dip?
Replies: 70
Views: 5012

Re: Has anyone adjusted their stock allocation on the dip?

I am 60/40 and plan to hold this forever. Just did rebalance today. Whenever there is a +-2% swing, I will do a rebalance. I am thinking about one fund folio: Vanguard balanced index (which is about 60/40).
by WhiteMaxima
Mon Dec 17, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: Has anyone adjusted their stock allocation on the dip?
Replies: 70
Views: 5012

Re: Sell Sell Sell!

I just rebalanced today. I have a setup AA and plan to stick with it.
by WhiteMaxima
Mon Dec 17, 2018 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: 3-8 year investments
Replies: 9
Views: 783

Re: 3-8 year investments

Vanguard balanced index.
by WhiteMaxima
Mon Dec 17, 2018 12:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 113
Views: 23081

Re: Seattle Area Chapter Meetings - Master Thread

Parking and traffic are the biggest problem on Seattle side.
by WhiteMaxima
Thu Dec 13, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: Is a New Car Okay if Driven 15+ Years?
Replies: 92
Views: 7192

Re: Is a New Car Okay if Driven 15+ Years?

Or drive 5 year old car for 10 years.
by WhiteMaxima
Thu Dec 13, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: Audi S4 vs S3
Replies: 35
Views: 1956

Re: Audi S4 vs S3

S4 for sure
by WhiteMaxima
Thu Dec 13, 2018 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: For those waiting for a 'correction' ...
Replies: 109
Views: 1235665

Re: For those waiting for a 'correction' ...

Just use three fund approach. No need to wait. 100% equity is too risk and 100% Bond is too conservative. Something in between is better.
by WhiteMaxima
Wed Dec 12, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 79
Views: 6524

Re: Best headphones under 500 bucks

Massdrop HD6XX.
by WhiteMaxima
Wed Dec 12, 2018 6:49 pm
Forum: Investing - Theory, News & General
Topic: Our mentor [Jack Bogle] advises to "buy bonds" for protection in current market
Replies: 61
Views: 5887

Re: vanguard-founder-bogle-says-buy-bonds

If you are following three fund approach, you have already bought bond.
by WhiteMaxima
Wed Dec 12, 2018 6:27 pm
Forum: Investing - Theory, News & General
Topic: Recession Coming
Replies: 56
Views: 6958

Re: Recession Coming

Yes, it will come. But when you realizing it happens, it is already over.
by WhiteMaxima
Wed Dec 12, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: Trip to Italy
Replies: 42
Views: 2373

Re: Trip to Italy

Summer time in Roma? Better think it twice.
by WhiteMaxima
Wed Dec 12, 2018 5:53 pm
Forum: Investing - Theory, News & General
Topic: Our mentor [Jack Bogle] advises to "buy bonds" for protection in current market
Replies: 61
Views: 5887

Re: Our mentor advises to "buy bonds" for protection in current market

If you follow Bogle, he never recommend 100% equity. As of today, have some % of Bond is same as buying bond. Actually, just buying low cost Vanguard balanced index fund, just one fund.
by WhiteMaxima
Wed Dec 12, 2018 5:20 pm
Forum: Investing - Theory, News & General
Topic: Vangurad's 2019 Economic and Market Outlook
Replies: 27
Views: 2741

Re: Vangurad's 2019 Economic and Market Outlook

4% return? I will pay off my mortgage in that case. My theory is that a -40% major correction would happen during the next 10 years and then an average 8% return to happen to offset the -4% to make it a 4% return form current level.
by WhiteMaxima
Wed Dec 12, 2018 5:17 pm
Forum: Investing - Theory, News & General
Topic: Vangurad's 2019 Economic and Market Outlook
Replies: 27
Views: 2741

Re: Vangurad's 2019 Economic and Market Outlook

4% return? I will pay off my mortgage in that case.
by WhiteMaxima
Wed Dec 12, 2018 5:15 pm
Forum: Investing - Theory, News & General
Topic: Vangurad's 2019 Economic and Market Outlook
Replies: 27
Views: 2741

Re: Vangurad's 2019 Economic and Market Outlook

4% return? I will pay off my mortgage in that case.
by WhiteMaxima
Wed Dec 12, 2018 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Lost value in 529 savings
Replies: 23
Views: 1573

Re: Lost value in 529 savings

If you have less than 10 years to invest for your 529, you should invest more conservatively (like more bond and fix income than equity). Or you just invest it blindfold and use it for your grand child 30 to 40 years later. I am not sure in 10 years equity will give your good return but i am 100% su...
by WhiteMaxima
Thu Dec 06, 2018 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard advisor suggesting 90/10
Replies: 41
Views: 3103

Re: Vanguard advisor suggesting 90/10

90/100 is no much difference from 100/0. I would say 60/40 (or 70/30) will make some difference.
by WhiteMaxima
Wed Dec 05, 2018 4:39 pm
Forum: Investing - Theory, News & General
Topic: Why buying homes with mortgages is good but buying stocks on margin is bad
Replies: 36
Views: 2905

Re: Why buying homes with mortgages is good but buying stocks on margin is bad

1) margin rate is much higher than mortgage

2) no tax deduction

3) you will be forced to sell if your stock value drop to certain level

Home mortgage will not have all these. Besides, your home is your shelter. Stock certificate has no usage, it has value only of the company will pay you dividend.
by WhiteMaxima
Tue Dec 04, 2018 4:40 pm
Forum: Investing - Theory, News & General
Topic: Today was a good day to be diversified
Replies: 21
Views: 4296

Re: Today was a good day to be diversified

It's not just today, it's always good to be diversified. :happy
by WhiteMaxima
Tue Dec 04, 2018 1:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8812
Views: 1692653

Re: U.S. stocks in freefall

I'm really not liking this market. Anyone else thinking its time to lighten up on equities? I'm really considering pulling out for a while. If this scares you, maybe you shouldn't be in equities at all or at 50/50. No, it should be 60/40. Its conservative but still slight tilted toward equity. Good...
by WhiteMaxima
Tue Dec 04, 2018 1:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8812
Views: 1692653

Re: U.S. stocks in freefall

I am 60/40 (Equity/Cash). Cash is making me 2% and it's FDIC insured. I am not moved by any market fluctuations. :D
by WhiteMaxima
Tue Dec 04, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: how to advice super conservative parents
Replies: 14
Views: 1089

Re: how to advice super conservative parents

That's fine if they feel comfortable being conservative. Spending more don't always result being happy. Being happy is the main goal for them.
by WhiteMaxima
Mon Dec 03, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 52
Views: 3984

Re: Please Recommend a New Car for Me

Honda Civic Type-R (2.0T 6MT) or Si (1.5T 6MT), much fun to drive
VW Golf GTI or R (6MT)
or Mazda3 (6MT)
No CVT, no automatic shift. More control and reliable. If you really like CVT car and care about reliability, then get a Toyota Prius.
by WhiteMaxima
Mon Dec 03, 2018 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Should I move to a more conservative AA? 80/20 to 60/40?
Replies: 67
Views: 4473

Re: Should I move to a more conservative AA? 80/20 to 60/40?

60/40 balanced index is kind of forever protfolio. leave it and forget it. If you want a little aggressive 70/30 (40/30/30 US/Intl/Bond) will do.
by WhiteMaxima
Mon Dec 03, 2018 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Should I move to a more conservative AA? 80/20 to 60/40?
Replies: 67
Views: 4473

Re: Should I move to a more conservative AA? 80/20 to 60/40?

Balanced fund is 60/40 (30/30/40 US/Intl/Bond) which is a forever folio with limited risk tolerance.
by WhiteMaxima
Fri Nov 30, 2018 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with $6,000 in gold and silver?
Replies: 40
Views: 3327

Re: What would you do with $6,000 in gold and silver?

make gold chain and silverware. Gold is the pretty. Silver is good for to make utensil.
by WhiteMaxima
Fri Nov 30, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: My mutual funds are declining, please help!
Replies: 54
Views: 5110

Re: My mutual funds are declining, please help!

Even after the recent decline, we are still much higher above 2008-09 level. I would sell some % just for level of comfort. Take advantage of tax write off at least. Fix income and CD are paying around 2-3% now, I would use it as a cash reserve pool. I always like to put some cash on the side in ad...
by WhiteMaxima
Fri Nov 30, 2018 1:45 pm
Forum: Investing - Theory, News & General
Topic: 2 Fund Ports: Everything You NEED?
Replies: 32
Views: 3890

Re: 2 Fund Ports: Everything You NEED?

Two funds, I would think two Zero ER fund from Fidelity and a pool of FDIC insured cash.