Bogleheads.org

Jesteroftheswamp

livesoft wrote: ↑Sat Apr 10, 2021 8:04 pm depends on the context and what they mean. So no wonder it can be confusing. If it is important to you, then ask them for clarification.

I'm asking in general.

HYPOTHETICALLY, what does it mean when someone recommends 20% in International Stock

Jesteroftheswamp

When people recommend allocating a certain % of a portfolio into international fuds; let's say 10%. Id this 10% of the ENTIRE portfolio, or of stock allocation? SO if my portfolio is 90% stocks, 10% would be International and 80% (of the total stock allocation) would be domestic, is this correct? I'...

Jesteroftheswamp

-You picked a tilt towards small cap value. There are still many who think a small cap value tilt is a good choice. Before changing it, I would research the topic. You do not want to move out of a category, have it be the best performer for a year, then decide to move back into it. -As others have ...

Jesteroftheswamp

Honestly, the only reason I am even remotely concerned about it is because when I look at my Asset Mix on Vanguard, there are a few headings saying "The proportion of large, mid, small cap stocks differ from those of the market... you are at risk for underperforming the market." I have 56...

Jesteroftheswamp

There are no other ways. May I ask why you don't want to sell? There are other methods that are advertised. However they suffer from deep errors that are either caused by cognitive errors described in behavioral economics or attempts to a address behavioral errors. Honestly, the only reason I am ev...

Jesteroftheswamp

There are no other ways. May I ask why you don't want to sell? There are other methods that are advertised. However they suffer from deep errors that are either caused by cognitive errors described in behavioral economics or attempts to a address behavioral errors. Honestly, the only reason I am ev...

Jesteroftheswamp

Stop automatic reinvestment on (all) investments and use those funds for rebalancing. Since you never know what way the markets will go in any particular period having a pool of funds available to rebalance with can be useful. One way to reduce the need for rebalancing is to do less slice-and-dice....

Jesteroftheswamp

Do you have earned income? Can you contribute new money to the new asset that you want bulked up? Or are you trying to get out of small caps and into a total stock or international stock fund? What does your total portfolio look like? Honestly, the only reason I am even remotely concerned about it ...

Jesteroftheswamp

I’m considering reallocating some of my stocks and rebalancing, however I’m not sure I want to sell anything. Are there other strategies for rebalancing that maybe I don’t know if? What is your recommended Large/mid/small and international allocation? I have way more invested in small cap than mid, ...

Jesteroftheswamp

Thanks!!!

Jesteroftheswamp

So I am now unemployed. Long story short I have at least a years worth of living expenses saved up where should I somehow be unemployed for an entire year, which I honestly think is pretty doubtful anyway, I’ll have all my bases covered. I also don’t want to be underprepared, and am scared that the...

Jesteroftheswamp

So I am now unemployed. Long story short I have at least a years worth of living expenses saved up where should I somehow be unemployed for an entire year, which I honestly think is pretty doubtful anyway, I’ll have all my bases covered. I also don’t want to be underprepared, and am scared that the...

Jesteroftheswamp

So I am now unemployed. Long story short I have at least a years worth of living expenses saved up where should I somehow be unemployed for an entire year, which I honestly think is pretty doubtful anyway, I’ll have all my bases covered. I also don’t want to be underprepared, and am scared that the...

Jesteroftheswamp

So I am now unemployed. Long story short I have at least a years worth of living expenses saved up where should I somehow be unemployed for an entire year, which I honestly think is pretty doubtful anyway, I’ll have all my bases covered. I also don’t want to be underprepared, and am scared that the ...

Jesteroftheswamp

This is easy to solve. Pull half a dozen stock reports. All of them model future earnings, which are mostly positive. High growth companies will have high growth expectations. You can see this in the forward earnings projections. Do your growth projections match the analysis? Can you please elabora...

Jesteroftheswamp

I hear this a lot and am especially hearing it a lot now. When talking stocks, many people here say things like “that’s already factored into the price”; in regards to future expectations of certain companies they say that the future prospects are already built into the price. If that’s the case, wh...

Jesteroftheswamp

I’ve always thought it was the S&P500 but am I wrong?

Jesteroftheswamp

Any good Vanguard alternative energy funds with a tilt on solar and windmills?? Thoughts on these?

Jesteroftheswamp

Looking for a good book that details how and why improvements to areas with malls, stores, etc. evolve the area and grow and contribute to housing, and the interplay between the two. So basically economic development. Any suggestions? I caution you that "Economic Development" or "Dev...

Jesteroftheswamp

Looking for a good book that details how and why improvements to areas with malls, stores, etc. evolve the area and grow and contribute to housing, and the interplay between the two. So basically economic development.

Any suggestions?

Jesteroftheswamp

I tilt slightly to small value. If you have to ask whether or not you should add growth to offset your value exposure, then you most likely should not be tilting away from a market cap weighted portfolio. You need multi-decade dedication to maximize the likelihood of success with tilts, and that re...

Jesteroftheswamp

I tilt slightly to small value. If you have to ask whether or not you should add growth to offset your value exposure, then you most likely should not be tilting away from a market cap weighted portfolio. You need multi-decade dedication to maximize the likelihood of success with tilts, and that re...

Jesteroftheswamp

UpperNwGuy wrote: ↑Wed Oct 14, 2020 7:12 pm I agree with Vanguard. You should add a growth fund to offset your tilt to value. Total market is where Vanguard wants you to be.

Would it be better to sell off the value fund and out that into Total Index?

Jesteroftheswamp

I have the majority of my holdings in Vanguard Total Stock Index Admiral. Good! You own the market. I also have a small cap value fund, a consumer staples fund, a couple individual stocks, You are tilting away from the market. Do you know why? Vanguard recognizes this and therefore suggests you add...

Jesteroftheswamp

I ha w the majority of my holdings in Vanguard Total Stock Index Admiral. I also have a small cap value fund, a consumer staples fund, a couple individual stocks, and an international fund. Vanguard says I have a lot in value funds and recommends I invest more into GROWTH, but doesn’t the total sto...

Jesteroftheswamp

I ha w the majority of my holdings in Vanguard Total Stock Index Admiral. I also have a small cap value fund, a consumer staples fund, a couple individual stocks, and an international fund. Vanguard says I have a lot in value funds and recommends I invest more into GROWTH, but doesn’t the total stoc...

Jesteroftheswamp

3feetpete wrote: ↑Sat Sep 19, 2020 8:43 pm Three times I have gone through a corporate restructure. I landed on my feet each time but had to move to do it.

Did you work in an office for the company and got relocated?

Jesteroftheswamp

I would not be buying a house or making any major financial commitment with so little liquidity left over, looming restructuring or not. What would you consider sufficient liquidity? $15-20k is 6 months of living expenses for me. During normal times I should be able to find a job in that period of ...

Jesteroftheswamp

I would not be buying a house or making any major financial commitment with so little liquidity left over, looming restructuring or not. What would you consider sufficient liquidity? $15-20k is 6 months of living expenses for me. During normal times I should be able to find a job in that period of ...

Jesteroftheswamp

I would not be buying a house or making any major financial commitment with so little liquidity left over, looming restructuring or not. What would you consider sufficient liquidity? $15-20k is 6 months of living expenses for me. During normal times I should be able to find a job in that period of ...

Jesteroftheswamp

So I have been looking for a house for awhile now and I am starting to narrow it down. Recently I have been informed that there is going to be a restructuring with the company I work for. The company is huge, so I am not sure at all if my division or job will be affected or how, but obviously anyone...

Jesteroftheswamp

It seems like everything I read lately touts that the market is over-Inflated and is due for a massive (I.e. 60+% crash) any day now! What makes people think and say this? How likely do the Bogleheads think this is? Is it really any different than it has ever been? Do Bogleheads recommend withdrawin...

Jesteroftheswamp

Anyone know if Vanguard is free if I want to change my sell order from limit to market or do you pay extra if you change your mind?

Jesteroftheswamp

I’ve been searching for answers on this and I cannot seem to find anything. How is the American government generating the money for the stimulus? Are they just simply printing more money? Are they issuing bonds? Does the money the government provides need to be paid back in the sense that it’s consi...

Jesteroftheswamp

Unhandled wrote: ↑Wed Apr 22, 2020 2:55 pm Planet Money did a show on this question. You can listen or read transcript here:

https://www.npr.org/transcripts/821787090

Basically, the Fed is creating money out of thin air (electronically) and using it to buy government bonds.

Thanks for the info! So they are not issuing bonds?

Jesteroftheswamp

I’ve been searching for answers on this and I cannot seem to find anything. How is the American government generating the money for the stimulus? Are they just simply printing more money? Are they issuing bonds? Does the money the government provides need to be paid back in the sense that it’s consi...

Jesteroftheswamp

I want to better grasp financial reports from a stock investing standpoint. What are some good books that detail financial reports and how to use them to make better investing decisions?

Jesteroftheswamp

I’ve been investing in index funds for about five years now and throughout these years of research, I’ve always heard STAY THE COURSE! I feel that time is now here, but I must admit looking at my portfolio fall is excruciating. Is the strategy literally to hold and hold and hold, or should one take ...

Jesteroftheswamp

I just finished reading an interesting thread (Well, I am market timing due to coronavirus... Wish me luck by CnC » Wed Feb 05, 2020 11:46 am). I'm curious to hear what people think about buying rather than selling stocks during this crazy time. I did the opposite of what CnC did (he/she went down ...

Jesteroftheswamp

This of course is relative, and I cannot find opinions on this particular question anywhere.

What is considered to be a lot of money to have saved up?

Very curious on a possible consensus in what is relatively considered a lot of money saved up

Jesteroftheswamp

Hello everyone, I have a 401k that I max, Roth I max, and a taxable account with Vanguard total stock index and some others, basically a three fund portfolio with a little extra risk thrown in. I am interested in Biotech as a LONG TERM INVESTMENT. What are the Boglers thoughts on this fund, and bio...

Jesteroftheswamp

lifeisinmirrors wrote: ↑Sun Jan 05, 2020 5:41 pm What is your reason for thinking biotech will outperform the market when it hasn't in the past? I would not overweight biotech because of high R&D costs, high regulatory risk, and low dividend yields.

Over the last ten years, Vanguard’s has outperformed the market

Jesteroftheswamp

livesoft wrote: ↑Sun Jan 05, 2020 4:41 pm Bad move, but it's not my money.

Elaborate please

Jesteroftheswamp

Majority of replies will say don't do it, keep it simple 3-fund or 2-fund, SP500 or Total US index has most of the top holdings in any sector fund, etc. Minority of replies will say they sector slice and dice. Me, I'm the latter - have healthcare, biotech, med device, and IT slices. But each repres...

Jesteroftheswamp

First Dave Ramsey says 10-12%, then I read on the internet that the average is 9% and then 7% and then someone here says the "historical return" is 6.9% and then I read in "If You Can" that stocks only return a real value of 3% over time. Wow, now I'm confused! Now I'm dishearte...

Jesteroftheswamp

Hello everyone, I have a 401k that I max, Roth I max, and a taxable account with Vanguard total stock index and some others, basically a three fund portfolio with a little extra risk thrown in. I am interested in Biotech as a LONG TERM INVESTMENT. What are the Boglers thoughts on this fund, and biot...

Jesteroftheswamp

What’s your interest rate on your car loan? If it’s higher than a return you can be getting from say, a money market fund, I’d pay that off first.

What do you do to earn such a high income at such a young age?

Jesteroftheswamp

I have a few thousand in my checking account that I want to invest into my Roth, however my Roth is currently maxed out. I am planning on transferring money from checking into VMMXX to then be invested into my Roth during the new year. Are there any tax ramifications to parking my money in the mutu...

Jesteroftheswamp

I have a few thousand in my checking account that I want to invest into my Roth, however my Roth is currently maxed out. I am planning on transferring money from checking into VMMXX to then be invested into my Roth during the new year. Are there any tax ramifications to parking my money in the mutua...

Jesteroftheswamp

I prefer value too. Market weight has enough tech. Can you please elaborate? Prefer value? Value stocks. Nobody is saying tech companies won’t grow faster than the average S&P500 company. That isn’t what determines how well a stock will do. Do you understand that? It isn’t a guarantee that tech...

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