Search found 233 matches

by Beensabu
Sat Jun 01, 2019 5:06 pm
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 11976

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.

0/100. I quit my job and started rolling over my 401k during the end of March mini-dip. Didn't get it over until mid-April. Anchoring led to putting it all in VBLTX to "wait". Started using dowsing to make all of my life decisions. Moved my Roth out of int'l small to intermediate treasuries and tot...
by Beensabu
Fri May 31, 2019 9:18 pm
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 11976

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.

0/100. I quit my job and started rolling over my 401k during the end of March mini-dip. Didn't get it over until mid-April. Anchoring led to putting it all in VBLTX to "wait". Started using dowsing to make all of my life decisions. Moved my Roth out of int'l small to intermediate treasuries and tota...
by Beensabu
Tue May 28, 2019 8:23 pm
Forum: Investing - Theory, News & General
Topic: How can I check my portfolio as little as possible?
Replies: 69
Views: 3183

Re: How can I check my portfolio as little as possible?

We do have an emergency fund and your suggestion is good encouragement to expand it beyond 3 months! Expand your emergency fund. It runs out faster than you think it will. You never know -- you could end up underemployed. If you don't want bonds, at least get it to 12 months. You'll feel better, fo...
by Beensabu
Sat Mar 16, 2019 7:07 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 6
Views: 869

Re: Portfolio Review

Bump.
by Beensabu
Sun Mar 10, 2019 1:21 pm
Forum: Personal Investments
Topic: New to investing
Replies: 1
Views: 151

Re: New to investing

Welcome! It depends on how much money you are opening your account with. Each mutual fund has a minimum to enter. The three that you would want for a 3-fund portfolio each have a $3k minimum. The target date mutual funds have a $1k minimum. The ETFs have the price of one share as the minimum for ent...
by Beensabu
Tue Feb 26, 2019 1:03 am
Forum: Personal Investments
Topic: Old 401k - How Do I Tell If I Should Rollover
Replies: 14
Views: 968

Re: Old 401k - How Do I Tell If I Should Rollover

"If you like the funds offered, you should keep it"- I can't say I know enough to be able to tell if I like it (I know the ER is high, so that is bad), but I FEEL this portfolio has been a strong performer. eg: My balance in Feb 2017 was $63k. Am I focusing on the shiny penny and just getting robbe...
by Beensabu
Sun Feb 17, 2019 10:21 pm
Forum: Personal Consumer Issues
Topic: First thing(s) you'd do when you achieve financial independence?
Replies: 73
Views: 6018

Re: First thing(s) you'd do when you achieve financial independence?

Mike Scott wrote:
Sun Feb 17, 2019 7:31 pm
Take a nap and then ponder all of the different meanings of financial independence.
Yes. Infinite naps and pondering. Preferably in a hammock under a shady tree, with a drink within reach. Goals.
by Beensabu
Sat Feb 16, 2019 8:01 pm
Forum: Personal Investments
Topic: Theory: NOW is the Best Time for Total World Stock
Replies: 139
Views: 16076

Re: Theory: NOW is the Best Time for Total World Stock

bogledogle87 wrote:
Sat Feb 16, 2019 12:28 pm
The correct weight in 1986 for US/Int'l with no rebalancing should equal the correct weights now, right?
It should, but it does not. I ran into this issue with PV a couple weeks ago. If you find out why, please let me know.
by Beensabu
Tue Feb 12, 2019 1:41 am
Forum: Personal Investments
Topic: simplifying my portfolio
Replies: 6
Views: 1053

Re: simplifying my portfolio

really just the mechanics of selling or trading my current mutual funds on the vanguard platform and moving towards the 3 fund portfolio advocated by the book at by that name. I felt listing the each fund and their cost ratio and ticker simple would be to tedious for people. Thanks for the reply an...
by Beensabu
Sun Feb 10, 2019 2:47 pm
Forum: Personal Investments
Topic: simplifying my portfolio
Replies: 6
Views: 1053

Re: simplifying my portfolio

Welcome to the forum :) I recommend editing your original post to follow the Asking Portfolio Questions format. At the very least, list your (1) desired asset allocation (US stocks / ex-US stocks / bonds) and (2) current funds (full name and ticker) including expense ratios and indicating what perce...
by Beensabu
Sun Feb 10, 2019 1:00 am
Forum: Personal Finance (Not Investing)
Topic: First time home buyer, are my ducks in a row?
Replies: 9
Views: 838

Re: First time home buyer, are my ducks in a row?

It definitely seems like you know what you're doing. I don't know how stable home values are in your area, or how they were affected in the last meltdown, but since you're in a recourse state that allows deficiency judgments after foreclosure and have IRA funds a lender could come after, it's import...
by Beensabu
Sat Feb 09, 2019 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: What does financial peace look like to YOU?
Replies: 64
Views: 5884

Re: What does financial peace look like to YOU?

rashad3000 wrote:What does Financial Peace look like to YOU?
No debt. Own home free and clear. Healthcare covered. $30k spendable income per year.

That would do it.
by Beensabu
Sat Feb 09, 2019 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: First time home buyer, are my ducks in a row?
Replies: 9
Views: 838

Re: First time home buyer, are my ducks in a row?

How much are you paying for rent once your brother moves out? Do you want room for him to be able to move back in with you if he needs to? Will you make good use of it if he doesn't? If you know you're never moving out of town and your house fund has enough for 20% down plus closing costs (leave the...
by Beensabu
Sun Feb 03, 2019 9:24 pm
Forum: Investing - Theory, News & General
Topic: Looking for Method to Properly Backtest Static Contribution AA + "Never Sell"
Replies: 4
Views: 326

Re: Looking for Method to Properly Backtest Static Contribution AA + "Never Sell"

Is it not possible to use portfolio visualizer and turn off rebalancing? Maybe not; I haven't tried. Yes, it is. I set it to Rebalancing > No Rebalancing for my example links. But the weird part was that I got a different return number when doing this for a specific portfolio vs. adding up the port...
by Beensabu
Sun Feb 03, 2019 5:57 pm
Forum: Investing - Theory, News & General
Topic: Looking for Method to Properly Backtest Static Contribution AA + "Never Sell"
Replies: 4
Views: 326

Re: Looking for Method to Properly Backtest Static Contribution AA + "Never Sell"

Well... I guess this is only interesting to me. That's okay. Even with my ramshackle method of backtesting, I've come to the following conclusions about this method (also fed by past posts by various posters): - No rebalancing means avoiding transactional costs and frictional transactional costs as ...
by Beensabu
Sat Feb 02, 2019 3:57 pm
Forum: Investing - Theory, News & General
Topic: Looking for Method to Properly Backtest Static Contribution AA + "Never Sell"
Replies: 4
Views: 326

Looking for Method to Properly Backtest Static Contribution AA + "Never Sell"

This "never sell" thread made me want to look into an idea, but I'm not sure how to go about it properly. The idea is investing your regular periodic contributions according to an established AA for the duration of your accumulation period. An example would be 25 US / 25 ex-US / 50 US Agg Bond, but...
by Beensabu
Thu Jan 31, 2019 12:33 am
Forum: Investing - Theory, News & General
Topic: Portfolio Visualizer - Is there a way to see cash vs market gains?
Replies: 3
Views: 389

Re: Portfolio Visualizer - Is there a way to see cash vs market gains?

If you are using the "Backtest Asset Class Allocation" tool, there is a "Cash" asset class option. If you are using the "Backtest Portfolio" tool, you can use "CASHX" as the ticker symbol for cash. If you set one of the three portfolio options to 100% Cash (or Benchmark Ticker to CASHX), that will s...
by Beensabu
Sun Jan 27, 2019 9:28 pm
Forum: Personal Investments
Topic: Equity Bond Allocation and Duration
Replies: 9
Views: 595

Re: Equity Bond Allocation and Duration

From EDV inception, Total Bond has returned essentially the same with FAR less volatility. Huh? This is not remotely the case. https://www.portfoliovisualizer.com/fund-performance?s=y&symbol=EDV&benchmark=BND&endDate=01%2F27%2F2019 Weird. I stuck it in here . Defaults to from Jan 2009. I guess the ...
by Beensabu
Sun Jan 27, 2019 6:08 pm
Forum: Personal Investments
Topic: Equity Bond Allocation and Duration
Replies: 9
Views: 595

Re: Equity Bond Allocation and Duration

I don't understand why you are interested in EDV. Unless it's just a way to get essentially VUSTX (+5%ish 20-30 year) at a lower expense ratio. From EDV inception, Total Bond has returned essentially the same with FAR less volatility. My view is that Option 1 is rational. It makes sense and is simpl...
by Beensabu
Sat Jan 26, 2019 7:05 pm
Forum: Personal Investments
Topic: Alternatives to Total International Stock Index Fund for international investing
Replies: 22
Views: 2913

Re: Alternatives to Total International Stock Index Fund for international investing

If I was doing a 3 fund style portfolio I would eliminate total international and do total international mid/ small. It is well diversified in geography, some small and value tilt, lower correlation to a U.S. equities portfolio, etc... Good luck. Yup. If you're not going world market cap, then you ...
by Beensabu
Sat Jan 19, 2019 9:36 pm
Forum: Investing - Theory, News & General
Topic: What does 20% extra of portfolio allocated to equities get you?
Replies: 128
Views: 9232

Re: What does 20% extra of portfolio allocated to equities get you?

Do you read that the same way? With the Jan 18, 2019 date, the 15-year return is what to look at it, as it includes the outperformance of ex-US vs US in the middish 00s, the crash, and the outperformance of US vs ex-US in the mid to laterish 10s. Broader time periods are more likely to include all ...
by Beensabu
Sat Jan 19, 2019 8:30 pm
Forum: Personal Consumer Issues
Topic: Is California worth the premium?
Replies: 89
Views: 5482

Re: Is California worth the premium?

If you can afford it, SB is worth it. Many people have come to that conclusion. That's why so many who grew up there can't afford to rent there any more and have had to move away. Others continue to shell out more that 50-60% of income on rent, either because it's worth it to them or they can't save...
by Beensabu
Sat Jan 05, 2019 6:40 pm
Forum: Investing - Theory, News & General
Topic: The next 20 years for stocks should be a lot better..
Replies: 10
Views: 2658

Re: The next 20 years for stocks should be a lot better..

There's a paywall and a picture of a crystal ball.
by Beensabu
Fri Jan 04, 2019 11:33 pm
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 220
Views: 14451

Re: 2019 Hedge Fund Contest

Zephyr Blown Capital Associates

Long:

ADMA Biologics Inc (ADMA)

Short:

1-800-Flowers.Com Inc (FLWS)
by Beensabu
Tue Jan 01, 2019 4:35 pm
Forum: Investing - Theory, News & General
Topic: International Funds Still Relevant in a Simple Portfolio?
Replies: 74
Views: 5353

Re: International Funds Still Relevant in a Simple Portfolio?

According to the dividend discount model (aka. the Gordon equation) the total rate of return of a stock can be written as: total_return = dividend_yield + dividend_growth_rate The growth rate of dividends, like the growth rate of earnings, should roughly match the GDP growth. So I'm going to rewrit...
by Beensabu
Sun Dec 30, 2018 7:14 pm
Forum: Investing - Theory, News & General
Topic: Are we allowed to talk about the CPTPP?
Replies: 13
Views: 1092

Re: Are we allowed to talk about the CPTPP?

It goes into effect the day after tomorrow among six countries, so I don't see why we wouldn't be allowed to talk about it. The politics regarding the US not being among them probably would be off topic. CPTPP is the Comprehensive and Progressive Agreement for Trans-Pacific Partnership . There are ...
by Beensabu
Sun Dec 30, 2018 6:48 pm
Forum: Investing - Theory, News & General
Topic: Are we allowed to talk about the CPTPP?
Replies: 13
Views: 1092

Are we allowed to talk about the CPTPP?

Just wondering. Nothing pops up on a forum search.
by Beensabu
Fri Dec 28, 2018 10:49 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9638

Re: What common everyday inconvenience have you intentionally suffered for frugality?

I don't have an iPhone. My smart phone is 2 years old and works fine, but it certainly doesn't provide the functionality that an iPhone does, which is occasionally inconvenient. I still have an iPhone 3GS (almost 7 years now). I'm positive your smart phone is more functional than my iPhone, but as ...
by Beensabu
Sun Dec 16, 2018 9:25 pm
Forum: Investing - Theory, News & General
Topic: When cash is riskier than bonds
Replies: 58
Views: 6640

Re: When cash is riskier than bonds

pascalwager wrote:
Sun Dec 16, 2018 8:45 pm
Yes, Merriman does specify 20% short-term TIPS, even showing the ticker symbol, VTAPX. It's at the bottom of his Vanguard tax-sheltered portfolio list : https://paulmerriman.com/vanguard/
I stand corrected. Thank you.
by Beensabu
Sun Dec 16, 2018 8:42 pm
Forum: Investing - Theory, News & General
Topic: When cash is riskier than bonds
Replies: 58
Views: 6640

Re: When cash is riskier than bonds

I wanted to see if someone had some good thoughts on the efficacy of short TIPS that I wasn't aware of. Considering it's you, you're probably already aware of this, but from this Vanguard paper from 2012 : We found that the return on a short-term TIPS benchmark (of 0-to-5-year maturities) has been ...
by Beensabu
Sun Dec 16, 2018 5:31 pm
Forum: Personal Investments
Topic: House all of my bond contributions in 401K? Viability of 401K
Replies: 6
Views: 449

Re: House all of my bond contributions in 401K? Viability of 401K

Your post is a little confusing.

Could you lay out your portfolio by account in the way indicated here?
by Beensabu
Sun Dec 16, 2018 4:46 pm
Forum: Investing - Theory, News & General
Topic: When cash is riskier than bonds
Replies: 58
Views: 6640

Re: When cash is riskier than bonds

As a retiree, I agree. Then there's Paul Merriman's approach, kind of between you and Jalbert: 50% ITT 30% STT 20% ST TIPS What is the argument for short term TIPS? There is very little risk of unexpected inflation in the short term. And TIPS in general have not performed as well as nominal Treasur...
by Beensabu
Thu Dec 13, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?
Replies: 80
Views: 5642

Re: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?

It's marketing whatchamacallit. Gotta love it. And it's not just "super mega double", it's "ultra strong" too... If Wile E. Coyote stretched it out over his head, that anvil would bounce right off and crush him ambling cockily down the road 10 feet later. I just get the "bunny" toilet paper (Softly ...
by Beensabu
Thu Dec 13, 2018 1:12 am
Forum: Investing - Theory, News & General
Topic: Why some larger stocks are classified as mid-cap?
Replies: 4
Views: 525

Re: Why some larger stocks are classified as mid-cap?

Page 10 of this (page 13 of the PDF) might help if you prefer visualization: CRSP Indexes Methodology Guide - Oct 2018 If you check VO holdings, you'll see that Antero Resources is the second smallest position. It's right around that 85% breakpoint, so it's one of the smallest companies included in ...
by Beensabu
Sun Dec 09, 2018 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: are pre-fabricated / manufactured homes a bad investment?
Replies: 101
Views: 7818

Re: are pre-fabricated / manufactured homes a bad investment?

Mobile / pre-fabricated / manufactured- seems like they're all lost in the ether. A "mobile home" is a factory-built home - transportable on a chassis and wheels - that was built pre-1976 (before the HUD code). It can be moved once built. A "manufactured home" is a factory-built home - transportabl...
by Beensabu
Sun Dec 09, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: are pre-fabricated / manufactured homes a bad investment?
Replies: 101
Views: 7818

Re: are manufactured homes a bad investment?

I know some places won't "finance" them and insurance can be tricky? EDIT: NOT TALKING ABOUT 'MOBILE HOMES' YOU FIND IN A TRAILER PARK. lol.... If you are talking about a manufactured home converted to real property and tied to land, be very careful of this: - If the home is not delivered straight ...
by Beensabu
Sun Nov 25, 2018 12:49 pm
Forum: Personal Investments
Topic: Help Needed with 401k
Replies: 8
Views: 691

Re: Help Needed with 401k

Welcome to the forum :happy Please edit your original post to follow the format laid out here: Asking Portfolio Questions . That will make it a lot easier for others to help you with useful responses. Note: You want to view your portfolio as a whole -- you and your wife, both of your 401ks and Roth ...
by Beensabu
Sat Nov 17, 2018 12:27 pm
Forum: Personal Investments
Topic: Comment from Bogleheads book about future market gains
Replies: 10
Views: 1373

Re: Comment from Bogleheads book about future market gains

Given that the book also regularly teaches that we cannot predict the future from the past (or predict the future at all), why would the authors somewhat paradoxically state that we probably won't see market gains in the future on par with what we've previously seen? Say you devise a savings/invest...
by Beensabu
Fri Nov 16, 2018 10:43 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 7 Investing Rules
Replies: 14
Views: 2565

Re: Larry Swedroe: 7 Investing Rules

That article is a very neat, concise package of information. It would be a really good supplementary link to provide when someone is starting to learn about investing or to reference when someone is getting nervous during a correction. Thank you for sharing. Gleaned nuggets: Investors need to unders...
by Beensabu
Mon Nov 12, 2018 11:10 pm
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8630

Re: What's everyone currently in?

15.5 US Large Cap, 11 US Mid Cap, 18 Int'l Large Cap, 10 Int'l Small/Mid Cap, 8 US REIT, 16.5 USAggBnd, 21 cash. All index funds. Contributions currently 60 USAggBond, 20 Int'l Large Cap, 20 US REIT. Aim to keep it around 60-65% stock with about 55 US / 45 Int'l and ~40% of each mid cap. ~10% of equ...
by Beensabu
Wed Nov 07, 2018 9:20 pm
Forum: Personal Consumer Issues
Topic: Self publishing help needed
Replies: 2
Views: 301

Re: Self publishing help needed

There are a lot of resources to be found through here:

http://www.kidlit411.com/2013/12/kidlit ... shing.html

Do check out the Authors Beware section to avoid vanity presses and scams.
by Beensabu
Sun Nov 04, 2018 8:46 pm
Forum: Personal Investments
Topic: New Investor- fund options and allocation
Replies: 5
Views: 529

Re: New Investor- fund options and allocation

Welcome to the forum :)

Please edit your original post to follow the format laid out here: Asking Portfolio Questions.

That will make it a lot easier for others to help you with useful responses.
by Beensabu
Sun Nov 04, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Sometimes, It’s Bonds For the Long Run
Replies: 72
Views: 6508

Re: WSJ: Sometimes, It’s Bonds For the Long Run

vineviz wrote:
Sat Nov 03, 2018 9:14 am
Image
Maybe in 20 years?
by Beensabu
Thu Nov 01, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 142
Views: 15253

Re: Do you meditate?

Singing/chanting/tonal/humming meditation. Tied to breath without focusing on breath. Shows you the same thing. Everyone has a way to find it.
by Beensabu
Sat Oct 20, 2018 3:42 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 111157

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

I have to chuckle at all this analysis. Total US is out-performing Intl because 12.7% of its assets are in: Apple, Microsoft, Amazon, Alphabet (Google), and Facebook. If those 5 continue their run, Total US will outperform Intl ... if they don't, it won't. That doesn't address the U.S.'s outperform...
by Beensabu
Sat Oct 20, 2018 11:13 am
Forum: Personal Investments
Topic: Fund Choice Questioning
Replies: 12
Views: 959

Re: Fund Choice Questioning

Beensabu, the OP uses the moniker “mr. jelly”. The OP made 14 (or so) references to himself with “I” or “my” and no references to “we, us, our”. So, why do you make numerous references to the OP as “they”. I’m no grammarian but this seems to be a new trend, using they when he or she should be used....
by Beensabu
Sat Oct 20, 2018 11:06 am
Forum: Personal Investments
Topic: Fund Choice Questioning
Replies: 12
Views: 959

Re: Fund Choice Questioning

Thanks for the replies. I'm not sure what information is desired. My wife and I have pensions along with SS that will sustain us in the fashion we are living now. We will fully retire in six to ten months. Our income will actually go up a little. I've been partially retired for eight years now. We ...