Search found 21 matches

by SLHI
Thu May 17, 2018 9:43 am
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 106
Views: 10648

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

Isn't now the time to buy, when prices are dropping?
by SLHI
Sat Jan 20, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Lost money through Bitconnect scam - learned my lesson
Replies: 94
Views: 8606

Re: Lost money through Bitconnect scam - learned my lesson

Stinks man. Thanks for sharing your experience with us. I hope future me won't get enticed into the same mistake.
by SLHI
Wed Oct 04, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: On the video games path - how to set it up with younger kids
Replies: 36
Views: 2490

Re: On the video games path - how to set it up with younger kids

Personally (I'm 25), I wish I never had video games in my household in my childhood. Even with time controls my parents had for my brothers and I, all I thought of was video games. I like to think I'd have put my mind to more productive and meaningful pursuits earlier if I didn't have the video game...
by SLHI
Sun Sep 24, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Barefoot/Minimalist Running
Replies: 55
Views: 5112

Re: Thoughts on Barefoot/Minimalist Running

I gave up normal shoes about a year ago. All normal kinds of shoes are uncomfortable for me, and I much prefer my toes to have more wiggle room. I discovered LEMS minimalist shoes last year and I can never go back! They feel more like socks than shoes, and they have kinds for more than just running....
by SLHI
Sat Aug 19, 2017 8:35 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 89
Views: 26896

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

What I feel very uninformed about is who to vote for for the board of trustees in proposal 1 -- their short blurbs don't really say all that much about them or why they are fit for the position over the others. I don't really feel fine with blindly voting yes for all of them--guess I'll have to do s...
by SLHI
Thu Aug 10, 2017 8:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1448834

Re: U.S. stocks in freefall

I always imagined a stock freefall to be more dramatic than 1.5% =P
by SLHI
Mon Nov 28, 2016 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation Advice
Replies: 11
Views: 1509

Re: Portfolio Allocation Advice

Wow, thank you everyone for all of your input! My point is to take advantage of the favorable capital gains tax rates when you can. I am concerned, however, that focusing too much on tax efficiency will perhaps result in much lower returns from retirement savings plans. Pretty much I am saying that ...
by SLHI
Fri Nov 25, 2016 10:51 am
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 9936

Re: Black Friday - is this overdone?

I have never seen any appeal or point in black Friday shopping--It brings out the worst of people (greed, selfishness, envy), and I don't want to be affiliated with the event at all. I also am not materialistic and am very lucky to have a family that--mostly--values people and experiences over 'stuf...
by SLHI
Fri Nov 25, 2016 10:36 am
Forum: Personal Consumer Issues
Topic: Questions for musicians - piano - gift
Replies: 8
Views: 974

Re: Questions for musicians - piano - gift

It's wonderful that your niece is starting off with piano at such a young age, and is enjoying it! If it helps any, in my own experience, you won't want anything less than full size. She will quickly grow out of it size-wise and it will limit her learning as she progresses further--you will soon fin...
by SLHI
Thu Nov 24, 2016 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation Advice
Replies: 11
Views: 1509

Re: Portfolio Allocation Advice

Thank you for the reassurance Toons!
by SLHI
Thu Nov 24, 2016 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation Advice
Replies: 11
Views: 1509

Portfolio Allocation Advice

I am 24 and am still learning a lot on how to invest properly. Right now my portfolio is structured in a mirrored allocation in which I am keeping the same proportions of each fund in both my taxable and Roth account. However, I am hearing that the "whole portfolio" approach may work better for me t...
by SLHI
Wed Nov 09, 2016 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: 21 Year Old with Little Savings
Replies: 16
Views: 2045

Re: 21 Year Old with Little Savings

I'm a proponent of the 3 fund portfolio that has been mentioned above. When you decide to begin investing, you do not need to start with all three funds though. I am 24 and only hold VTSAX (VTSMX in your case), and Total International (VGTSX) in both my Roth and Taxable. I do not plan to hold bonds ...
by SLHI
Fri Nov 04, 2016 4:03 pm
Forum: Investing - Theory, News & General
Topic: International Investing & Taxes
Replies: 3
Views: 637

Re: International Investing & Taxes

I haven't--I'll go read it. Thanks for the link!
by SLHI
Fri Nov 04, 2016 3:51 pm
Forum: Investing - Theory, News & General
Topic: International Investing & Taxes
Replies: 3
Views: 637

International Investing & Taxes

How much do taxes affect the performance of VTIAX in a portfolio? When I look at VTIAX on Morningstar, It looks like a significant portion of the returns are eaten away by taxes. Does it take into account the tax credit allowed with taxable accounts? How much of a dividend or capital gain will be ta...
by SLHI
Wed Nov 02, 2016 10:34 pm
Forum: Investing - Theory, News & General
Topic: How much international?
Replies: 80
Views: 10346

Re: How much international?

My equity portfolio is allocated at 70% TSM (USA) and 30% Total International. This topic is very interesting to me because it's such a grey area with no real consensus. There are many perspectives to consider based on historical data in support of holding a significant amount of, or lack there of, ...
by SLHI
Thu Oct 27, 2016 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a good asset allocation for a 25 year old?
Replies: 15
Views: 1390

Re: Is this a good asset allocation for a 25 year old?

kccross1 wrote:Would you recommend this VWITX intermediate muni bond instead of the longer term government bond currently hold?
Yep! That's what I'd have in my taxable if I had bonds in there :D
by SLHI
Thu Oct 27, 2016 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a good asset allocation for a 25 year old?
Replies: 15
Views: 1390

Re: Is this a good asset allocation for a 25 year old?

It seems like a lot of investors prefer the total stock market over the S&P 500. I wish I would have done a little more research before I invested 50K into the Vanguard S&P 500 index fund. Don't kick yourself too hard, VTSAX and VTFIAX follow each other very closely anyways (VTSAX is 75% large cap!...
by SLHI
Thu Oct 27, 2016 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a good asset allocation for a 25 year old?
Replies: 15
Views: 1390

Re: Is this a good asset allocation for a 25 year old?

I am no expert (I'm a new, 24 year old, investor myself), but I am keeping my portfolio simple and aggressive (since I will not be touching it for quite some time): 75% VTSAX (Total Stock Market) 25% VTIAX (Total International) --- You may consider trimming down your portfolio further. The total bon...
by SLHI
Mon Oct 03, 2016 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor -- Portfolio Guidance Please!
Replies: 6
Views: 845

Re: New Investor -- Portfolio Guidance Please!

Thank you for the insights! I suppose tilting could be viewed as kind of like placing a bet on the future.
by SLHI
Mon Oct 03, 2016 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor -- Portfolio Guidance Please!
Replies: 6
Views: 845

Re: New Investor -- Portfolio Guidance Please!

Treat the two accounts as a single portfolio. There's no need to duplicate the funds in each. Doing so can just make rebalancing more of a chore. What's the point of the tilts? Why not have VTSAX in one and VTIAX in the other and call it done? :D My limited knowledge leads me to believe that small-...
by SLHI
Mon Oct 03, 2016 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor -- Portfolio Guidance Please!
Replies: 6
Views: 845

New Investor -- Portfolio Guidance Please!

I have just started investing, and am in my lower twenties. I would like some feedback on my plan for my final asset allocations. Also -- I have intentionally left out bonds in my portfolio for now--I am young and want to keep my portfolio on the aggressive side. I will be treating my taxable as my ...