Search found 73 matches

by finagle
Mon Aug 05, 2019 7:37 pm
Forum: Personal Investments
Topic: Buy During This Dip?
Replies: 99
Views: 12572

Re: Buy During This Dip?

Dip? What dip?

My next set point for extra unscheduled funds in is djia = 20,000.

But glad my 401k contributions are going in this week ($740, which is $19k divide by 26 checks)
by finagle
Sun Jul 14, 2019 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Did rockstarfinance.com sell their domain? It's trash now.
Replies: 18
Views: 2253

Re: Did rockstarfinance.com sell their domain? It's trash now.

As if something named "rockstarfinance" could be confused with something worth of attention... Says the person posting on "Bogleheads.org" :oops: Some people just wanna britch with nothing of value to say. :confused Thanks for your suggestions! I did not know JLC still makes new content. His "100% ...
by finagle
Sun Jul 14, 2019 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Did rockstarfinance.com sell their domain? It's trash now.
Replies: 18
Views: 2253

Re: Did rockstarfinance.com sell their domain? It's trash now.

Thanks! I used to read esi and found it decently inspiring. Anyone has any other favorite PF/ FI sites to recommend? I never really looked at Rockstar finance, and probably won't look at any replacement, but looks like other well known bloggers are already stepping in to fill the void. Just saw thi...
by finagle
Sun Jul 14, 2019 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Did rockstarfinance.com sell their domain? It's trash now.
Replies: 18
Views: 2253

Re: Did rockstarfinance.com sell their domain? It's trash now.

I find this discussion quite fascinating, as I put an offer in on the site at one point. I thought it was overpriced. Apparently I was wrong as ESI doubled his money in less than 2 years. At any rate, a lot of the value of a website is residual value from stuff written months and years ago that sti...
by finagle
Sun Jul 14, 2019 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Did rockstarfinance.com sell their domain? It's trash now.
Replies: 18
Views: 2253

Re: Did rockstarfinance.com sell their domain? It's trash now.

terran wrote:
Sun Jul 14, 2019 11:30 am
Yes, it's been sold twice somewhat recently:

https://esimoney.com/bought-rockstar-finance/

then

https://esimoney.com/why-i-sold-rockstar-finance/
Thanks! I used to read esi and found it decently inspiring.

Anyone has any other favorite PF/ FI sites to recommend?
by finagle
Sun Jul 14, 2019 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Did rockstarfinance.com sell their domain? It's trash now.
Replies: 18
Views: 2253

Re: Did rockstarfinance.com sell their domain? It's trash now.

Yup, it went to crap pretty quickly in my opinion. I removed it from my Chrome folder of financial blogs that I like to read, when before it had occupied the #1 spot. It was created by J-money of BudgetsAreSexy, then sold to the guy who owns ESI Money for a couple years, then the new owner bought i...
by finagle
Sun Jul 14, 2019 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Did rockstarfinance.com sell their domain? It's trash now.
Replies: 18
Views: 2253

Did rockstarfinance.com sell their domain? It's trash now.

Used to visit that site a few times a week for inspiration to hang in there. They used to have daily "top 5 FI articles" "curated" from other FI/ personal finance blogs. Now, the website is dead. No updates for months. Useless content. Archive of past dailies gone. I suspect the owner sold the url d...
by finagle
Thu Jun 27, 2019 5:37 pm
Forum: Personal Investments
Topic: Which way for savings account interest, and what to do?
Replies: 15
Views: 1498

Re: Which way for savings account interest, and what to do?

Op you called it. Marcus by Goldman Sachs down from 2.25% to 2.15% starting tomorrow 6/28. This site is full of "of course the most trusted system will never dip or fail us" types. Expecting money market funds at Fidelity and Vanguard to drop interest yield next. I'd think CDs are doing a brisk bus...
by finagle
Thu Jun 27, 2019 5:25 pm
Forum: Personal Investments
Topic: Which way for savings account interest, and what to do?
Replies: 15
Views: 1498

Re: Which way for savings account interest, and what to do?

Op you called it. Marcus by Goldman Sachs down from 2.25% to 2.15% starting tomorrow 6/28.

This site is full of "of course the most trusted system will never dip or fail us" types.

Expecting money market funds at Fidelity and Vanguard to drop interest yield next.
by finagle
Wed May 15, 2019 7:36 pm
Forum: Personal Investments
Topic: How am I doing so far???
Replies: 15
Views: 1431

Re: How am I doing so far???

If their combined nw is 77k, that's 39k per person.

How many years will that last? 2 years for the average person? Ok.
by finagle
Sat Apr 06, 2019 8:33 am
Forum: Personal Investments
Topic: Fidelity Full View?
Replies: 32
Views: 3240

Re: Fidelity Full View?

I am fiddling around with Fidelity Full View. I have all my brokerage accounts from Vanguard and Fidelity entered. I like how I can see asset allocation all in one place. Does anyone use Full View? Do you use it just to track investments? Or do you find other things useful, like budgeting and track...
by finagle
Mon Mar 25, 2019 9:27 pm
Forum: Personal Investments
Topic: Planning to invest over $100k, but apprehensive
Replies: 10
Views: 1528

Re: Planning to invest over $100k, but apprehensive

Tell yourself you can earn back $130k in 2 years, post taxes and after minimalist lifestyle expenses? :confused
by finagle
Mon Mar 18, 2019 5:53 pm
Forum: Personal Investments
Topic: How to get over a $25K stock market loss?
Replies: 125
Views: 10856

Re: How to get over a $25K stock market loss?

The second lesson to you and me is not to listen to bogleheads on this forum wailing "dump all your extra cash into vtsax/vti right NOW. Anything else is market timing!!!!!!1!!" Such as on this other thread on the front page: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=276014 Measure your o...
by finagle
Mon Mar 18, 2019 5:25 pm
Forum: Personal Investments
Topic: How to get over a $25K stock market loss?
Replies: 125
Views: 10856

Re: How to get over a $25K stock market loss?

To answer the title, tell yourself that $25k ain't even 1 year's expenses for you. How much do you add to your nw, in predictable new monies, each year?
by finagle
Fri Mar 01, 2019 6:46 pm
Forum: Personal Investments
Topic: Fidelity Core Position
Replies: 26
Views: 3492

Re: Fidelity Core Position

This is my IRA rollover account. Any risk of moving to SPAXX? Looks the price remains stable at 1.00 and yield is much higher. More important question is why are you keeping your IRA in a cash allocation? First, change your sweep to SPAXX. There's little risk. If you do want to keep funds in MMF, t...
by finagle
Fri Mar 01, 2019 12:42 pm
Forum: Personal Investments
Topic: Fidelity Core Position
Replies: 26
Views: 3492

Re: Fidelity Core Position

For higher yield than spaxx, you can move your cash into sprxx or fzdxx (higher yield money market funds).

Any index funds you buy, Fido will automatically take the cash from sprxx or fzdxx.
by finagle
Tue Feb 26, 2019 10:37 am
Forum: Personal Investments
Topic: 25 years old - Evaluate my finances
Replies: 19
Views: 1857

Re: 25 years old - Evaluate my finances

I'm similar to op. And similar to you, as a planned late-Bond buyer (only starting to buy bonds 10yrs before retirement). General question: how to rebalance and "lock in gains" when one is 100% equity, 0% bonds? If someone is overall: 10% Ally HYSA, 90% stock index, Do people actually sell them sto...
by finagle
Mon Feb 25, 2019 10:24 pm
Forum: Personal Investments
Topic: 25 years old - Evaluate my finances
Replies: 19
Views: 1857

Re: 25 years old - Evaluate my finances

I think you're doing really well! Congrats! As for your emergency fund, I think having 19K may be a bit much for your expenses, but it's not egregious. Personally, my emergency fund is my Roth IRA contributions and a portion of my HSA (have money from medical expenses paid out of pocket that I can ...
by finagle
Tue Feb 12, 2019 5:06 pm
Forum: Personal Investments
Topic: Best Money Market in Fidelity Roth IRA? SPRXX/ SHV/SHY/SUB
Replies: 9
Views: 762

Re: Best Money Market in Fidelity Roth IRA? SPRXX/ SHV/SHY/SUB

Yes, I'm sitting on a measly $15k cash in Roth IRA. My 401k will dca $19k into total stocks over 2019. That's a good portion of my new $$ i want invested into stocks. You still haven't answered the fundamental question of why you want to keep $15k in cash in a Roth IRA... Like I said, the new $ I w...
by finagle
Tue Feb 12, 2019 4:14 pm
Forum: Personal Investments
Topic: Best Money Market in Fidelity Roth IRA? SPRXX/ SHV/SHY/SUB
Replies: 9
Views: 762

Re: Best Money Market in Fidelity Roth IRA? SPRXX/ SHV/SHY/SUB

You shouldn't "take out" the expense ratio from the reported yield - it's already reported as such. SPRXX 7-day Yield is 2.27% (1/31/2019) SUB is a muni bond fund which wouldn't seem like a good choice in an IRA SHV 30-day Yield is 2.32 and SHY is 2.44 SPRXX will be the most convenient if you plan ...
by finagle
Tue Feb 12, 2019 4:10 pm
Forum: Personal Investments
Topic: Best Money Market in Fidelity Roth IRA? SPRXX/ SHV/SHY/SUB
Replies: 9
Views: 762

Re: Best Money Market in Fidelity Roth IRA? SPRXX/ SHV/SHY/SUB

But where to park any cash in a Fidelity Roth IRA? Thanks. What's your reasoning for parking cash in a Roth IRA? EF? or waiting for market dip? Money Market Funds are extremely short term. Instead of looking at one year returns, look at the current 7 day yield. Interest rates have gone up over the ...
by finagle
Tue Feb 12, 2019 12:43 pm
Forum: Personal Investments
Topic: Best Money Market in Fidelity Roth IRA? SPRXX/ SHV/SHY/SUB
Replies: 9
Views: 762

Best Money Market in Fidelity Roth IRA? SPRXX/ SHV/SHY/SUB

I searched the forum, but I can't figure out 1-year returns (after taking out expense ratio). SPRXX is a forum-favorite for Fidelity's Money Market fund. iShare's ETFs (like SHV/SHY/SUB) can be purchased commission-free in a Fidelity Roth IRA. SPRXX= 0.42% er. SHV = 0.15% er. SHY= 0.15% er. SUB= 0.2...
by finagle
Sun Feb 10, 2019 7:43 am
Forum: Personal Investments
Topic: Fidelity ZERO YTD Performance
Replies: 33
Views: 4727

Re: Fidelity ZERO YTD Performance

To me the issue of the ZERO funds in taxable is that they're proprietary. You can only hold them at Fidelity. So if you want to switch brokerages you'll have to keep them at Fidelity and move everything else, sell them in taxable which may not be fiscally prudent, or not switch at all. If I have fs...
by finagle
Sat Feb 09, 2019 3:55 pm
Forum: Personal Investments
Topic: Fidelity ZERO YTD Performance
Replies: 33
Views: 4727

Re: Fidelity ZERO YTD Performance

The ZERO funds are fine in tax-advantaged accounts but pretty bad (compared to Vanguard) in taxable: Pre-tax returns, past 3 months, according to Morningstar: FZROX 0.40%, VTSAX 0.55%. Tax-adjusted returns, FZROX 0.11%, VTSAX 0.41% I am only using them in tax-advantaged accounts. I opened a Cash Ma...
by finagle
Fri Feb 08, 2019 10:59 pm
Forum: Personal Investments
Topic: Fidelity ZERO YTD Performance
Replies: 33
Views: 4727

Re: Fidelity ZERO YTD Performance

There have been less than 30 trading days YTD.
by finagle
Wed Dec 12, 2018 7:02 pm
Forum: Personal Investments
Topic: For those waiting for a 'correction' ...
Replies: 109
Views: 1236542

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

I have written my "IPS" for 2019. Inspired by yesterday's Vanguard 2019 outlook webinar thing. tl;dr: I will invest ~60% of my investable monies into stock indexes, each month. I have $3500 to invest, every 4 weeks I WILL invest $2200 into stock indexes, every 4 weeks Here's my initial set point to ...
by finagle
Mon Dec 10, 2018 7:30 pm
Forum: Personal Investments
Topic: Hurting Roth IRA
Replies: 16
Views: 1438

Re: Hurting Roth IRA

Opened my Roth IRA today to see I was down 229 dollars for the year. :annoyed Man... I know you have to stay the course but gosh that hurts at the age of 29 and not having much money to burn. But... stay the course. :| I’m down $20k this month. That wouldn’t be possible if I worried about ups and d...
by finagle
Fri Dec 07, 2018 6:40 pm
Forum: Personal Investments
Topic: I’m getting frustrated FTIHX
Replies: 21
Views: 3434

Re: I’m getting frustrated FTIHX

$10.70 today.

I keep lowering my buy-in price. $11.50... To $11 now. More heavy buying at $10.50 next?

I dca into ftihx every 2 weeks ($200 only).

Whenever it has looked "low" this year, I drop in a bonus $500/1000/2000.
by finagle
Thu Dec 06, 2018 8:46 pm
Forum: Personal Investments
Topic: Wanting to buy on the dip today didn't workout
Replies: 44
Views: 6217

Re: Wanting to buy on the dip today didn't workout

Don't worry. $4k is nothing. That's just 1 month's expenses to most normies (I'm a minimalist).

As people around here say, "dip? What dip?" . Wake me when we breach djia 20,000 and lower in the next recession.
by finagle
Wed Nov 28, 2018 7:34 pm
Forum: Personal Investments
Topic: Asset allocation—no bonds at all for a young(ish) and broke(ish) investor?
Replies: 49
Views: 3059

Re: Asset allocation—no bonds at all for a young(ish) and broke(ish) investor?

Answering the question in the thread title, I'm going to let you in on a little secret. It will likely matter so little that if you are 100/0 or 80/20 that this whole thread will have been a waste of time! :) I do think 60/40 is overly conservative for someone with a long time frame. Huh? So 100vs8...
by finagle
Wed Nov 28, 2018 7:01 pm
Forum: Personal Investments
Topic: Asset allocation—no bonds at all for a young(ish) and broke(ish) investor?
Replies: 49
Views: 3059

Re: Asset allocation—no bonds at all for a young(ish) and broke(ish) investor?

In this bond market envieonment, can I (28yo) keep my bond fund allocation in Ally Bank earning 2% apy instead?

That reduces volatility as well.
by finagle
Tue Nov 20, 2018 1:54 pm
Forum: Personal Investments
Topic: Old Vanguard 401k: can I still move money between funds?
Replies: 7
Views: 470

Re: Old Vanguard 401k: can I still move money between funds?

Yes, you can move money between accounts. However, you cannot add new money. If you withdraw, you have to take it all. Rules may vary, so check with the plan for specifics. If you're planning to do this, generally the only requirement is that you should make sure your balance is greater than $5,000...
by finagle
Tue Nov 20, 2018 7:04 am
Forum: Personal Investments
Topic: Old Vanguard 401k: can I still move money between funds?
Replies: 7
Views: 470

Re: Old Vanguard 401k: can I still move money between funds?

Yes, you can move money between accounts. However, you cannot add new money. If you withdraw, you have to take it all. Rules may vary, so check with the plan for specifics. If you're planning to do this, generally the only requirement is that you should make sure your balance is greater than $5,000...
by finagle
Tue Nov 20, 2018 6:54 am
Forum: Personal Investments
Topic: Old Vanguard 401k: can I still move money between funds?
Replies: 7
Views: 470

Old Vanguard 401k: can I still move money between funds?

In my first job now, 401k is with Vanguard.

When I quit, I want to leave the 401k where it is.

Can I still move $ between different funds to manually rebalance?

Think they call it "exchange $ between funds"? Thanks.
by finagle
Wed Oct 24, 2018 5:30 pm
Forum: Investing - Theory, News & General
Topic: Is VTIAX/FTIPX now catching a falling knife?
Replies: 14
Views: 2004

Re: Is VTIAX/FTIPX now catching a falling knife?

oldcomputerguy wrote:
Wed Oct 24, 2018 5:00 pm
I maxed out our 2018 Roth IRA contributions into FSTVX total market back in March. I sleep pretty well.
Not January 2nd? :confused
by finagle
Wed Oct 24, 2018 4:43 pm
Forum: Investing - Theory, News & General
Topic: Is VTIAX/FTIPX now catching a falling knife?
Replies: 14
Views: 2004

Re: Is VTIAX/FTIPX now catching a falling knife?

I see it as a chance to keep slipping $1k frequently into VTIAX. The maximum Total Intl Stock I can tolerate in the short term (over the next 5 years) is 50% of all my stock funds. Because what else is cheap to buy? Careful, i made the same wager 6+ years ago because i thought S&P was overvalued......
by finagle
Wed Oct 24, 2018 4:05 pm
Forum: Investing - Theory, News & General
Topic: Is VTIAX/FTIPX now catching a falling knife?
Replies: 14
Views: 2004

Is VTIAX/FTIPX now catching a falling knife?

And how do the smug "I max 401k by April, because I just can't wait another 8 months to dca" types feel, now that Total US stock is flat for 2018, and Total Intl stock (VTIAX/FTIPX) has lost over 3% ytd 2018? (And one would be better off dca-ing over 2018). I see it as a chance to keep slipping $1k ...
by finagle
Sun Sep 23, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 157
Views: 22820

Re: Fidelity Full View transition to eMoney

I have used Yodlee ("Fidelity Full view") for over FIFTEEN YEARS. I have put in DOZENS of Rules to make transactions automatically categorize themselves correctly. I have customized the account names to fit my two businesses. There are THOUSANDS of transactions that worked well this way. Now Fideli...
by finagle
Thu Sep 06, 2018 7:15 am
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 157
Views: 22820

Re: Fidelity Full View transition to eMoney

I would not risk being out of the market during the rollover/account transfer For most portfolio, assets can be moved in-kind, so no time out of the market is required. unless I was fleeing gougers like Merrill Edge As I've said, I think Edge is one of the best. Thanks for telling me about in-kind ...
by finagle
Wed Sep 05, 2018 8:52 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View transition to eMoney
Replies: 157
Views: 22820

Re: Fidelity Full View transition to eMoney

To the 4 or so posters threatening to move $hundreds of thousands (maybe low millions) out of Fido due to FullView, a bonus tool, please let Fido know your reason for leaving is Full View so I can benefit from your overreaction. I would not risk being out of the market during the rollover/account tr...
by finagle
Wed Sep 05, 2018 8:41 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: 113516

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

Increasingly on sale (especially EM); sometimes sale items are defects, mind you. ;) Eh. When ftipx (Fido's Total Intl Stock) drops to $11.50 ($11.87 today), I will plunder in $2k. I have $15k total in Roth IRA waiting for ftipx bigger discounts. My stock AA is 30-40% Intl only, but I gotta buy che...
by finagle
Wed Sep 05, 2018 4:53 pm
Forum: Personal Investments
Topic: Exchange Target Date 2055 into 2060. Does it matter WHEN?
Replies: 16
Views: 1121

Re: Exchange Target Date 2055 into 2060. Does it matter WHEN?

retiredjg wrote:
Wed Sep 05, 2018 10:58 am
Because there is no point in waiting until another day.
Lol, ok thanks guys. I will exchange all of my TD2055 into TD2060 tonight, since the bulk of my Target Date money is in TD2060.

I'm a bit miffed that TD2060 has 0.2% more Total US stock than TD2055, so I'm buying high.
by finagle
Wed Sep 05, 2018 10:56 am
Forum: Personal Investments
Topic: Exchange Target Date 2055 into 2060. Does it matter WHEN?
Replies: 16
Views: 1121

Re: Exchange Target Date 2055 into 2060. Does it matter WHEN?

whodidntante wrote:
Wed Sep 05, 2018 7:24 am
If you want the other fund the best day to place the order is today.
Why?
by finagle
Tue Sep 04, 2018 8:15 pm
Forum: Personal Investments
Topic: Exchange Target Date 2055 into 2060. Does it matter WHEN?
Replies: 16
Views: 1121

Re: Exchange Target Date 2055 into 2060. Does it matter WHEN?

Feel free to switch at any time. It will make no difference for the next 15 years. Thanks. Yeah, maybe psychologically it feels good to exchange now. To sell my TD2055 (it's a small lot, but I'm at profits of a few thousand $$ since I started in the 401k 3 years ago). Although of course I'm immedia...
by finagle
Tue Sep 04, 2018 8:11 pm
Forum: Personal Investments
Topic: Exchange Target Date 2055 into 2060. Does it matter WHEN?
Replies: 16
Views: 1121

Re: Exchange Target Date 2055 into 2060. Does it matter WHEN?

The NAV doesn’t matter. Why are you wanting a 2060 fund if you are already mid 30’s? I am 27yo although I want to retire very early (once my annual expenses =3% of invested $$) I thought Bogleheads like things aggressive? As in, no bonds until one is 40-45yo? The average on the forum is about age-1...
by finagle
Tue Sep 04, 2018 6:02 pm
Forum: Personal Investments
Topic: Exchange Target Date 2055 into 2060. Does it matter WHEN?
Replies: 16
Views: 1121

Re: Exchange Target Date 2055 into 2060. Does it matter WHEN?

The NAV doesn’t matter. Why are you wanting a 2060 fund if you are already mid 30’s? I am 27yo although I want to retire very early (once my annual expenses =3% of invested $$) I thought Bogleheads like things aggressive? As in, no bonds until one is 40-45yo? The underlying holdings for 2050-2055-2...
by finagle
Tue Sep 04, 2018 5:35 pm
Forum: Personal Investments
Topic: Exchange Target Date 2055 into 2060. Does it matter WHEN?
Replies: 16
Views: 1121

Re: Exchange Target Date 2055 into 2060. Does it matter WHEN?

NAV is irrelevant. It should make no difference if or when you exchange. In fact, I see no need to exchange. Why would you want to? The funds should be identical at this point. Thanks for quick reply. I want to hold 1 less fund (move all TD2055 into TD2060), because at some point in the next 10 yea...
by finagle
Tue Sep 04, 2018 5:29 pm
Forum: Personal Investments
Topic: Exchange Target Date 2055 into 2060. Does it matter WHEN?
Replies: 16
Views: 1121

Exchange Target Date 2055 into 2060. Does it matter WHEN?

In my Vanguard 401k, I want to sell all my Target Date 2055, then immediately buy Target Date 2060. Would it make a difference if I did this exchange now, or in the throes of a bear market? Thanks. Target Date 2055: Fund number 1488 (no symbols!). NAV (Price)= $72.72. Target Date 2060: Fund number ...
by finagle
Sun Sep 02, 2018 12:11 pm
Forum: Personal Investments
Topic: Portfolio for 35 year old
Replies: 21
Views: 2688

Re: Portfolio for 35 year old

HEDGEFUNDIE wrote:
Sun Sep 02, 2018 11:48 am
finagle wrote:
Sun Sep 02, 2018 11:34 am
HEDGEFUNDIE wrote:
Sun Sep 02, 2018 10:30 am

Btw, make sure your small cap etf is one that tracks the S&P 600 not the Russell 2000.
why?
https://www.barrons.com/articles/a-tale ... 1516896321
behind a paywall but thanks. Gotta check my Vanguard and Fido small caps.
by finagle
Sun Sep 02, 2018 11:34 am
Forum: Personal Investments
Topic: Portfolio for 35 year old
Replies: 21
Views: 2688

Re: Portfolio for 35 year old

HEDGEFUNDIE wrote:
Sun Sep 02, 2018 10:30 am

Btw, make sure your small cap etf is one that tracks the S&P 600 not the Russell 2000.
why?