Search found 348 matches

by pokebowl
Wed May 27, 2020 11:25 pm
Forum: Personal Investments
Topic: If not 3 fund, whats your strategy ?
Replies: 66
Views: 4042

Re: If not 3 fund, whats your strategy ?

I attempt to follow the FTSE Global Total Cap Index . Currently no index fund exists for it specifically, but I can pseudo achieve tracking it using Vanguard's total world index fund (which follows an all-cap index). I primarily hold the total world fund in my tax advantaged accounts. I have it brok...
by pokebowl
Tue May 26, 2020 7:33 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads: What is your largest single stock holding? (if any)
Replies: 79
Views: 3914

Re: Bogleheads: What is your largest single stock holding? (if any)

1. What is your largest single stock holding? 2. What % of your portfolio is in this company? 3. What is your reason for keeping this holding? (capital gain, belief in the company, etc.) 1. Apple. 2. 12% 3. six figures in LTCG... Its a work in progress. Depending on my income and other tax impacts ...
by pokebowl
Mon May 25, 2020 12:40 pm
Forum: Personal Investments
Topic: VWEAX
Replies: 3
Views: 368

Re: VWEAX

Fear, uncertainty and doubt over a particular strain of virus and global governmental reactions in dealing with said strain.
by pokebowl
Mon May 25, 2020 12:36 pm
Forum: Personal Investments
Topic: Roth IRA 100% stocks Betterment or VTWAX Vanguard?
Replies: 17
Views: 1148

Re: 100% stocks Betterment or VTWAX Vanguard?

VTWAX in taxable does not offer Foreign tax credit, this is the only thing I will like to share as negative, where if you do something similar using VTSAX/VTIAX(Us total market and Total International), you will get the credit. Tax loss harvest is simpler with other funds as well, but that is separ...
by pokebowl
Mon May 18, 2020 2:33 pm
Forum: Investing - Theory, News & General
Topic: The value of international stocks, in pictures
Replies: 76
Views: 16149

Re: The value of international stocks, in pictures

With us now into 2020, perhaps we can update this thread with the latest decade trends which ended up originally cutting off ~2017-2018. 8-)

Especially since there is another recent discussion also using decade style look backs for U.S./World inclusion.
by pokebowl
Sun May 17, 2020 7:52 pm
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 195
Views: 12108

Re: S&P500 vs World Performance

VGTSX (Vanguard Total International Stock Index Fund Investor Shares) VS. SPY Date Range from April 29th 1996 through 5/15/20 (25 years back) VGTSX (10.26—14.23) +38.6% W/total dividends of $8.23 added in (not compounded): 118.91% SPY (65.54—286.28) +336.8% W/total dividends of 66.56 (not compounde...
by pokebowl
Fri May 15, 2020 9:53 am
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8632

Re: Vanguard Mutual Fund Platform EOL

sigh. once this happens to my account i'm outta there. why would i stay with vanguard when fidelity/schwab have a better offering? What is their equivalent of VTWAX? Buying VT via fractional shares at Fidelity commission free. Perhaps depending when I buy it, may even get a better intraday price di...
by pokebowl
Sun May 10, 2020 2:09 pm
Forum: Investing - Theory, News & General
Topic: New college graduates - what's the job situation?
Replies: 12
Views: 2481

Re: New college graduates - what's the job situation?

I attended an online college graduation ceremony today via zoom. No more college bills for me in the foreseeable future! But ... Some of the graduates had jobs lined up, most didn't. For you new graduates or those with new graduates in the household, are people finding the jobs they expected or is ...
by pokebowl
Sun May 10, 2020 12:19 pm
Forum: Investing - Theory, News & General
Topic: Looking for alternative to Vanguard
Replies: 107
Views: 7063

Re: Looking for alternative to Vanguard

Vanguard has a nuclear option available to everyone where you can lock down access to their website to only specific devices. Granted if your device fingerprint changes or you change devices without turning off that setting you will have to call into customer support for additional verification. How...
by pokebowl
Sun May 03, 2020 12:39 am
Forum: Investing - Theory, News & General
Topic: [Are American markets likely to outperform INTL]
Replies: 237
Views: 16089

Re: American exceptionalism

Total international indexes generally have a greater concentration in “old economy” sectors such as materials, financials and energy. Contrast that with the U.S, where technology services and consumer technology dominate the indexes. That alone accounts for much of the decade-long return disparity b...
by pokebowl
Tue Apr 28, 2020 10:57 am
Forum: Personal Investments
Topic: Increase international percentage a good idea?
Replies: 19
Views: 881

Re: Increase international percentage a good idea?

I'm in the same place. Am considering buying VTWAX and being done with it. I came to the same conclusion years ago. However since I have significant holdings in taxable I can't hold VT and instead its split between total U.S and total Ex-US funds. Good news is no re-balancing needed once you set it...
by pokebowl
Tue Apr 14, 2020 4:55 pm
Forum: Investing - Theory, News & General
Topic: My theory about FIRE
Replies: 419
Views: 30601

Re: My theory about FIRE

Another FI boglehead in their 30s. Almost at the RE stage, however will probably work to some extent into my 40s. The option to career retire immediately is there however should I choose to pursue another focus for my time and skillet. Just having the ability to tell your upper management no without...
by pokebowl
Mon Apr 06, 2020 12:39 pm
Forum: Investing - Theory, News & General
Topic: reasons for US tilt in Total US/Intl that don't also support Developed tilt in Developed/Emerging
Replies: 46
Views: 1692

Re: reasons for US tilt in Total US/Intl that don't also support Developed tilt in Developed/Emerging

I don't think this holds anymore. I read a article about 2 years in Financial Analysts Journal. You need to take it to the next level and review the source of revenue. You need to look for companies that get > 70% of their revenue locally. Then you get a decent correlation. Don't suppose that artic...
by pokebowl
Tue Mar 31, 2020 12:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18838
Views: 2633274

Re: U.S. stocks in free fall

Are we still allowed to bump this thread for only minor 1% swings now? :D
by pokebowl
Thu Mar 26, 2020 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Letter 5071C (ID verify)
Replies: 13
Views: 2229

Re: IRS Letter 5071C (ID verify)

My spouse and I just received a 5071C letter in the mail as well for tax year 2019. The verification process was painless, more so because we already have accounts on the IRS website. Not sure if that reduced our verification or not but the questions only asked us about the 1040 form we submitted. W...
by pokebowl
Wed Mar 25, 2020 9:06 am
Forum: Investing - Theory, News & General
Topic: Why does anyone invest in international funds?
Replies: 306
Views: 18197

Re: Why does anyone invest in international funds?

MotoTrojan wrote:
Wed Mar 25, 2020 8:11 am

FWIW I invest the majority of my ex-US in small fundamental (value tilting) funds.
Out of curiosity what funds do you use? This is the one area that it has been hard to find specific mutual funds or ETFs that target this.
by pokebowl
Sun Mar 22, 2020 7:48 pm
Forum: Investing - Theory, News & General
Topic: Why are the same investors who said they wanted another 2008 now unwilling to buy into the market?
Replies: 31
Views: 2776

Re: Why are the same investors who said they wanted another 2008 now unwilling to buy into the market?

Anyone that says the outlook for the market is even worse today than it was in the thick of the GFC clearly forgot or wasn't paying attention. There was talk about S&P500 hitting zero in 2008/2009. There are at least three separate discussions on this forum mentioning these points right now. 2008 2...
by pokebowl
Sun Mar 22, 2020 5:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18838
Views: 2633274

Re: U.S. stocks in free fall

MotoTrojan wrote:
Sun Mar 22, 2020 5:10 pm
pokebowl wrote:
Sun Mar 22, 2020 5:09 pm
rumor has it Australia is closing down for 6 months now too.
Source?
This is the source I used :beer
by pokebowl
Sun Mar 22, 2020 5:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18838
Views: 2633274

Re: U.S. stocks in free fall

rumor has it Australia is closing down for 6 months now too.
by pokebowl
Sat Mar 21, 2020 6:56 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 320
Views: 25679

Re: How much you lost/gain since Feb 20,2020 ?

My losses are what homes go for in Hawaii. :mrgreen:

Not changing anything though, riding the roller coaster with the rest of you.
by pokebowl
Sat Mar 21, 2020 11:45 am
Forum: Investing - Theory, News & General
Topic: Gold is taking a monster hit
Replies: 64
Views: 5424

Re: Gold is taking a monster hit

Out of curiosity I went to some online gold retailers. Many such as JM bullion show their inventory out of stock. Apparently while the ETF version of gold has had its ups and downs during this market volatility, the physical stuff has been flying off the shelves so to speak (just like toilet paper!)
by pokebowl
Wed Mar 18, 2020 9:40 pm
Forum: Investing - Theory, News & General
Topic: 2020 COVID Crash Lessons
Replies: 157
Views: 12792

Re: 2020 COVID Crash Lessons

Lesson #5: always have a month’s worth of toilet paper and canned food on hand. The way people in my area are still lining up early daily to buy up all the restocked toilet paper tells me even a month may not be enough. If this keeps up you may see me holding a cardboard sign on a street corner, "W...
by pokebowl
Mon Mar 16, 2020 6:46 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age ? and this crisis ?
Replies: 170
Views: 9273

Re: What is your AA, given your age ? and this crisis ?

Folks, 1. Without quantifying your need/ability/willing to take risk and/or goals, what is your AA (Stock:Bond), given your age? and why? 100% Equity invested along the global market cap. I only carry enough cash to cover the previous month's credit card bills. This matches my investment horizon fi...
by pokebowl
Wed Mar 11, 2020 8:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18838
Views: 2633274

Re: U.S. stocks in free fall

TheTimeLord wrote:
Wed Mar 11, 2020 8:22 pm

Well that's useful.
Not sure what OP saw, but U.S has issued a travel ban to Europe for 1 month. The restrictions, which will go into effect Friday, will not apply to the United Kingdom.
by pokebowl
Sun Mar 08, 2020 9:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18838
Views: 2633274

Re: U.S. stocks in free fall

Circuit Breakers kicked in Sunday night. Here’s When S&P 500 Circuit Breakers Kick In on Monday.

Interesting we may hit level 1 circuit breakers monday. Futures trading was halted tonight. :twisted:
by pokebowl
Sat Feb 29, 2020 9:23 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296887

Re: Coronavirus and the market

Post-Coronavirus manufacturing numbers from China posted last night. Unfortunately worst numbers since 2008 if I am reading it correctly. Looks like the market will be responding to this next week too.
by pokebowl
Mon Feb 03, 2020 3:20 pm
Forum: Investing - Theory, News & General
Topic: Tesla Stock
Replies: 301
Views: 16111

Re: Tesla Stock

RJC wrote:
Mon Feb 03, 2020 2:03 pm
What explains this? Pure speculation?
Considering the front page of wallstreetbets has a screenshot of someone who made 1.4 million today via Vanguard call options. I assume pure speculation is playing a small part. :twisted:
by pokebowl
Sun Feb 02, 2020 8:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18838
Views: 2633274

Re: U.S. stocks in free fall

Shanghai index opens at -8%. Should be a fun day. :twisted:
by pokebowl
Wed Jan 29, 2020 10:00 am
Forum: Investing - Theory, News & General
Topic: Fidelity lets clients now trade fractional shares of stocks and ETFs
Replies: 174
Views: 16242

Fidelity lets clients now trade fractional shares of stocks and ETFs

Announcement: Here BOSTON, Jan. 29, 2020 – Fidelity Investments®, the largest online brokerage firm with more than 23 million retail brokerage accounts, today announced availability of real-time fractional shares trading of stocks and ETFs (also known as dollar-based investing). This simplified way ...
by pokebowl
Mon Jan 06, 2020 11:51 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5734
Views: 490303

Re: U.S. stocks continue to soar!

Where is my gold continues to soar thread? :twisted:
by pokebowl
Tue Dec 31, 2019 7:40 pm
Forum: Investing - Theory, News & General
Topic: Barron's Cover article--Vanguard Led the Way for Decades. Now It’s Playing Catch-Up.
Replies: 141
Views: 13281

Re: Barron's Cover article--Vanguard Led the Way for Decades. Now It’s Playing Catch-Up.

In my experience, money slowly flows to where it is best treated. Vanguard hasn't been an innovator for awhile, they've been riding on the waves of their earlier accomplishments in the industry and cutting everything else. That is fine, however as we see, their competition has not only matched them ...
by pokebowl
Sat Dec 28, 2019 7:13 pm
Forum: Investing - Theory, News & General
Topic: Motif 500 direct indexing
Replies: 29
Views: 2251

Re: Motif 500 direct indexing

This is definitely intriguing! But if Motif isn't around in 10, 15, 20 years, can you imagine cleaning up the mess? Ideally you would seek out a competitor with a similar service to move your funds too. Many of the smaller brokerages offer various versions of these services now so I do not see an i...
by pokebowl
Sat Dec 21, 2019 9:36 pm
Forum: Investing - Theory, News & General
Topic: Does anyone own gold?
Replies: 148
Views: 19651

Re: Does anyone own gold?

We have about 5% of our portfolio in GLDM. We selected GLDM because it has a lower expense ratio than IAU or GLD. Curious about GLDM. What is the difference between this and GLD? Looking through both it appears the main difference I am observing is outside the ER is the slightly higher bid/ask prem...
by pokebowl
Sat Dec 14, 2019 12:49 pm
Forum: Investing - Theory, News & General
Topic: When/how to spend HSA funds in retirement?
Replies: 49
Views: 3216

Re: When/how to spend HSA funds in retirement?

I haven't heard of anyone having issues with the IRS not allowing reimbursement with receipts, but I suppose that is a small risk. And yes, saving receipts is a bit of a hassle. I suppose my concern is HSA's have only been around since 2004 (established in 2003) and have only become mainstream in t...
by pokebowl
Sat Dec 14, 2019 12:21 pm
Forum: Investing - Theory, News & General
Topic: When/how to spend HSA funds in retirement?
Replies: 49
Views: 3216

Re: When/how to spend HSA funds in retirement?

The standard advice, which I endorse, is for those with HSAs to pay for qualified medical expenses (QMEs) with other funds, retain the receipts, and later get reimbursed from the HSA So my question here is, how long do you store the receipts? I've read all the posts on this site and various other c...
by pokebowl
Thu Dec 05, 2019 9:37 am
Forum: Investing - Theory, News & General
Topic: How many of you have some developed international and EM indexed bond funds in your portfolio?
Replies: 44
Views: 5009

Re: How many of you have some developed international and EM indexed bond funds in your portfolio?

I am now only beginning to add fixed income to my portfolio as I prepare for early retirement. I do want to hold international bonds however not indexed. That being said I've been exploring putting 10-20% into funds such as: - Vanguard Global Credit Bond Fund Admiral Shares (VGCAX) - Dodge & Cox Glo...
by pokebowl
Mon Dec 02, 2019 11:57 am
Forum: Investing - Theory, News & General
Topic: New Fidelity international bond index fund
Replies: 2
Views: 724

Re: New Fidelity international bond index fund

I take it this is essentially equivalent to Vanguard's Total International Bond Index Fund (VTIBX)? Appears that way with a cheaper ER as well (0.06 versus 0.11 for the Vanguard mutual fund equivalent). Depending on how this fund tracks it's index it will be another great fund to utilize for your F...
by pokebowl
Mon Dec 02, 2019 11:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18838
Views: 2633274

Re: U.S. stocks in free fall

and...down we go. :twisted:
by pokebowl
Fri Nov 29, 2019 8:47 pm
Forum: Personal Investments
Topic: Urge Vanguard to support better two-factor authentication
Replies: 108
Views: 10359

Re: Urge Vanguard to support better two-factor authentication

An up-to-date phone protected by a PIN is more secure than a PC. You can’t get phished via the App Store, everything on disk is encrypted and the OS enforces HTTPS. Far less chance of a keylogger or other form of malware infecting your phone. “Dinosaur” thinking, in this case, is the belief that ke...
by pokebowl
Mon Nov 18, 2019 12:33 am
Forum: Investing - Theory, News & General
Topic: Saudi Aramco, a microcosm of International Equities issues.
Replies: 38
Views: 3191

Re: Saudi Aramco, a microcosm of International Equities issues.

After reading all these comments I decided to look into Aramco's IPO and would like to request some validation. It appears the IPO and public shares will only be available on the Saudi stock exchange with no current plans to offer the Aramco stock to international buyers (if ever). The solution appe...
by pokebowl
Mon Nov 04, 2019 10:28 pm
Forum: Personal Investments
Topic: nearing goal - pull back allocation?
Replies: 6
Views: 1112

Re: nearing goal - pull back allocation?

[deleted]
by pokebowl
Sat Oct 26, 2019 2:18 pm
Forum: Investing - Theory, News & General
Topic: ETF Education vs Marketing from Vanguard
Replies: 14
Views: 1164

Re: ETF Education vs Marketing from Vanguard

That's interesting. I haven't gotten any marketing emails from Vanguard at all. Just stuff like A reminder about your IRA tax withholding Your confirmation is ready Your confirmation is ready Amendment to the Vanguard Brokerage Account Agreement Reminder: Vote your proxy today Updated Vanguard fund...
by pokebowl
Mon Oct 21, 2019 8:47 pm
Forum: Investing - Theory, News & General
Topic: If Charles Schwab et al. drop commissions to zero, can we build our own index funds?
Replies: 68
Views: 8207

Re: If Charles Schwab et al. drop commissions to zero, can we build our own index funds?

Was it Wealthfront? https://support.wealthfront.com/hc/en-us/articles/211005023-What-is-Stock-level-Tax-Loss-Harvesting-. Appears they charge 0.25% for the service and there is an additional charge for whatever the expense ratios of the ETFs used to fill any gaps are as well. You'd have to do the m...
by pokebowl
Wed Oct 02, 2019 10:14 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2980
Views: 528515

Re: What are you up YTD? [Year To Date]

lostdog wrote:
Tue Oct 01, 2019 9:47 am
What are the returns like since January 2018?
You made me check. Since Jan 2018 until today my return has been 9.62%. YTD its 20.83%. :beer
by pokebowl
Wed Oct 02, 2019 8:36 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg commodities index still in contango
Replies: 133
Views: 15844

Re: Bloomberg commodities index still in contango

grok87, will you come at me with a pitchfork if I steal your thunder?

September report is available (page 19 again):

The commodity index is still in contango at -4.5%. Change of -0.3% since the previous report.

October report will probably be out within a week as well. :beer
by pokebowl
Wed Oct 02, 2019 9:28 am
Forum: Investing - Theory, News & General
Topic: Know when to hold them and when to fold them......
Replies: 148
Views: 15162

Re: Know when to hold them and when to fold them......

Still holding global weighting here with no plans to change, should the cap weightings change due to international under performance, my portfolio will automatically drift accordingly and visa versa. If the all in U.S. crowd is correct, over half of my portfolio will over perform, if we experience a...
by pokebowl
Wed Oct 02, 2019 9:06 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18838
Views: 2633274

Re: U.S. stocks in free fall

Possible RBD shaping up early in the morning hours? :twisted:
by pokebowl
Thu Sep 19, 2019 9:03 am
Forum: Personal Investments
Topic: Advice on unwinding a large taxable holding
Replies: 13
Views: 1503

Advice on unwinding a large taxable holding

Long time poster, first time caller. Quick Background: I am in the process of unwinding a large equity holding in a taxable account which has accrued substantial long term capital gains and no capital losses. This has been on my to do list for the last several years, however the spouse and myself ha...
by pokebowl
Tue Sep 10, 2019 8:46 pm
Forum: Personal Investments
Topic: Fidelity Total International Index Fund VS Fidelity Global ex-US Index Fund
Replies: 7
Views: 686

Re: Fidelity Total International Index Fund VS Fidelity Global ex-US Index Fund

VTWAX has all world in one fund. You have to hold it at Vanguard, though, to avoid paying commissions. Just one note, VTWAX has everything but micro-caps, where as owning a total market and total international individually would include those. That being said, the inclusion or not of micro-cap prob...
by pokebowl
Tue Sep 10, 2019 11:52 am
Forum: Investing - Theory, News & General
Topic: Looking at investment asset allocation in more detail than stocks/bonds
Replies: 46
Views: 5770

Re: Looking at investment asset allocation in more detail than stocks/bonds

MotoTrojan wrote:
Tue Sep 10, 2019 11:44 am

As someone in the industry I'd be curious to know what your private stock was and how you acquired it; I sold all of mine from previous employer.
Worked for said employer, though the holding is basically illiquid, I believe if I wanted to "sell", the company would be the only one buying it.