Search found 218 matches

by pokebowl
Sat Dec 01, 2018 5:27 pm
Forum: Investing - Theory, News & General
Topic: I'm up 5% ytd and I will take it
Replies: 55
Views: 5995

Re: I'm up 5% ytd and I will take it

rhornback wrote:
Sat Dec 01, 2018 1:48 pm

But in 50 years I will be dead :(
Both science and DARPA are actively working to fix that bug.
by pokebowl
Fri Nov 30, 2018 10:38 pm
Forum: Investing - Theory, News & General
Topic: First Crypto ETF Index Fund launched!!! $HODL
Replies: 67
Views: 5521

Re: First Crypto ETF Index Fund launched!!! $HODL

I would never touch this fund with a 10 foot pole, they missed the boat in timing in my opinion. That being said, I did physically laugh out loud at that ticker symbol. :beer Its hilarious how a meme that started from an accidental typo which in and of itself was memed into a pseudo acronym "Hold On...
by pokebowl
Tue Nov 27, 2018 7:56 pm
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 119
Views: 7023

Re: What is your allocation to U.S. and International?

Are there Bogleheads who allocate 50% to U.S. and 50% to International? I'll raise my hand here, though I'll caveat that is was only true in 2017. For me I allocate my equities at market weight, meaning depending on what the markets do I'll align new contributions accordingly into VTSAX and VTIAX, ...
by pokebowl
Wed Nov 21, 2018 10:19 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 8434
Views: 1661572

Re: U.S. stocks in freefall

Having 80%, 90%, 100% in stocks appears that it could be a woeful lack of diversification of financial assets, which seems to me to be taking on an unnecessary level of financial risk. Of course, someone might have significant income, human capital, and/or other assets that are not correlated to eq...
by pokebowl
Tue Nov 20, 2018 7:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 8434
Views: 1661572

Re: U.S. stocks in freefall

[Animated GIF removed by admin LadyGeek. Here's the link: https://i.imgur.com/QWCKKe8.gif]
by pokebowl
Tue Nov 20, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 8434
Views: 1661572

Re: U.S. stocks in freefall

MotoTrojan wrote:
Tue Nov 20, 2018 8:29 am
DOW futures is so archaic, but based on bitcoin’s drop overnight I agree :P .
When bitcoin gets to its 2009 low, i.e. mineable via an old dell laptop, I'll buy mine in.
by pokebowl
Sun Nov 18, 2018 8:40 am
Forum: Investing - Theory, News & General
Topic: POV on Vanguard's Global Wellington Fund Admiral Shares (VGWAX)
Replies: 9
Views: 1369

Re: POV on Vanguard's Global Wellington Fund Admiral Shares (VGWAX)

I have not studied it in detail, but wonder about the low yield on the bond portfolio. VGWAX has YTM of 3%, with average maturity of 8.2 years and duration 6. VWENX is 3.6% with one year longer average maturity and duration at 6.4. VGWAX holds both international government and international corpora...
by pokebowl
Sun Nov 18, 2018 8:04 am
Forum: Investing - Theory, News & General
Topic: TIPS yield curve oddity
Replies: 22
Views: 1482

Re: Dropping TIPS?

willthrill81 wrote:
Sat Nov 17, 2018 3:37 pm
abuss368 wrote:
Sat Nov 17, 2018 3:26 pm
I agree that Total Bond Index is an excellent choice and TIPS are not needed.
They are probably not necessary, but if we see a repeat of 1977-1981, they sure would be nice to have.
Exactly, no one tends to expect unexpected inflation.
by pokebowl
Sat Nov 17, 2018 3:36 am
Forum: Investing - Theory, News & General
Topic: Ally just raised Online Savings accounts to 2% APY
Replies: 66
Views: 6411

Re: Ally just raised Online Savings accounts to 2% APY

True, but you’re paying 0.16% ER on Investor shares, therefore more like 2.09% yield. What matters for a MM fund- the 7 day SEC yield or the compound yield? https://investor.vanguard.com/mutual-funds/profile/VMRXX This is incorrect, the SEC yield is the yield with expenses factored out. VMMXX is yi...
by pokebowl
Sat Nov 17, 2018 2:46 am
Forum: Investing - Theory, News & General
Topic: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund
Replies: 13
Views: 1306

Re: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund

In my personal opinion, I feel a lot of the risks on the fund are overblown to a mild degree, at least on these forums. The zero funds do perform security lending in addition to using Fidelity's own index benchmark to track. Both these methods contribute to their ability to allow these funds to be l...
by pokebowl
Sat Nov 10, 2018 5:26 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 98482

Re: How much international stock? A suggestion.

Seeing as the usual crowd is bumping up this thread, I take it the other circular threads were locked?
by pokebowl
Thu Nov 08, 2018 7:11 pm
Forum: Investing - Theory, News & General
Topic: China Still An Emerging Market?
Replies: 24
Views: 2058

Re: China Still An Emerging Market?

1. on bond markets, China is safer than many "developed" markets. Would you rather own Chinese government debt, or Italian? Going to have to ask for a source on that one if you have it. Other than the usual finance news articles and blogs which have been trying to prop up China over the years I hav...
by pokebowl
Sat Nov 03, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18441

Re: Vanguard website "unavailable during weekend of Nov 3"

goodenyou wrote:
Sat Nov 03, 2018 1:55 pm
The question of whether having all assets at one investment site is a good idea or not is often asked here. Maybe this would be a good reason to spread it out a bit.
I mean I personally do all my market trades and bank transfers on the weekend. :P
by pokebowl
Fri Nov 02, 2018 4:16 pm
Forum: Investing - Theory, News & General
Topic: "Individual investors should have access to Private Equity"
Replies: 46
Views: 3451

Re: "Private investors should have access to Private Equity"

From my perspective it is a serious problem that individual investors do not have access to this market. When only the well connected have the opportunity to participate in this market it causes private investors that would like to invest in these companies to lose out until some of the greatest gr...
by pokebowl
Mon Oct 29, 2018 8:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 8434
Views: 1661572

Re: U.S. stocks in freefall

MJW wrote:
Mon Oct 29, 2018 5:36 pm
Seeing more threads of posters wanting reassurance or asking if they should change something. Makes me wonder what it will be like around here when something really happens.
Thats why you shouldn't diversify. You feel less bad with just one red ticker. /s
by pokebowl
Tue Oct 23, 2018 9:05 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 8434
Views: 1661572

Re: U.S. stocks in freefall

nedsaid wrote:
Tue Oct 23, 2018 8:47 am
Well, we are going to get that 10% correction whether we want it or not. The market seems to want it and not much we can do but ride it out.
International is already there this year.
by pokebowl
Tue Oct 23, 2018 3:38 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 8434
Views: 1661572

Re: U.S. stocks in freefall

Looking at Global markets this evening and US futures, figured I'd warm up this thread for the incoming drop today. :twisted:
by pokebowl
Thu Oct 18, 2018 7:42 am
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 11407

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

Well this thread ran the course I figured it would. If anything this thread, regardless if it changed anyone's point of view, is definitely a great case study in investor biases. :beer
by pokebowl
Wed Oct 17, 2018 2:44 am
Forum: Investing - Theory, News & General
Topic: Dividend withholding makes actual ER of Total International 0.32%?
Replies: 7
Views: 1089

Re: Dividend withholding makes actual ER of Total International 0.32%?

Results will vary by an investor's own tax situation. If you have enough space to hold all of your International in taxable or tax-advantaged, and are deciding between whether to put TSM or TISM in taxable, the tax differences between these two choices in recent years has been very small, and can be...
by pokebowl
Thu Oct 11, 2018 2:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 8434
Views: 1661572

Re: U.S. stocks in freefall

At least we get to reuse our hats? We have that going for us.

Image
by pokebowl
Wed Oct 10, 2018 10:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 8434
Views: 1661572

Re: U.S. stocks in freefall

AlphaLess wrote:
Wed Oct 10, 2018 10:57 pm
Indeed.
Get ready for more pain tomorrow.
Looking at the futures currently, confirmed drop into the Earth's core continues tomorrow.
by pokebowl
Tue Oct 09, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: The benefits of international diversification - NOT: Hulbert
Replies: 80
Views: 5429

Re: The benefits of international diversification - NOT: Hulbert

While the "never internationals" group on this board have taken many sticks to the international horse, that being said this column really didn't provide much to go off of. Instead it only focused on the past performance of this year alone. Going by that baseline, what would we conclude about an inv...
by pokebowl
Thu Oct 04, 2018 9:39 pm
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 13968

Re: Correlation between the FIRE movement and one of the greatest bull markets

Reading the comments here puts it into perspective why many of us currently pursuing FIRE tend to keep quiet about it in general. Even on here the concept is met with contempt, while one could argue FIRE is the result of using the very core Boglehead concepts, in other words, have a large save rate ...
by pokebowl
Sun Sep 30, 2018 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Domestic-International Equity Ratio at Retirement
Replies: 12
Views: 721

Re: Domestic-International Equity Ratio at Retirement

pkcrafter wrote:
Sun Sep 30, 2018 3:34 pm
40% is Vanguard's recommendation, but I believe posters here would suggest anything from 20% minimum to 40% maximum international.

Paul
For those of us who recommend by market weight, it would be closer to 46%. Just a year ago this was even closer to 50/50.
by pokebowl
Sun Sep 30, 2018 3:14 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 242
Views: 24688

Re: What is your overall portfolio weighted expense ratio

I am in a rare situation where my current 401k plan offers funds cheaper than what is obtainable in my IRAs (minus Fido zero funds), thus currently my overall ER is sitting at 0.062%.
by pokebowl
Tue Sep 25, 2018 8:30 am
Forum: Investing - Help with Personal Investments
Topic: What investment company does your employer use?
Replies: 21
Views: 1434

Re: What investment company does your employer use?

My current megacorp is using Vanguard institutional total market funds. Actually its the first 401k in years that is actually cheaper to use than holding similar funds through my IRAs. :beer
by pokebowl
Sun Sep 23, 2018 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice
Replies: 77
Views: 10767

Re: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice

Has anyone answered the question yet about how the two yields are calculated. I always treated them as basically equivalent and leave my money where the higher one is but if I were to find out that one method is 10 basis points lower than the other, that could affect my decision. Everyone is talkin...
by pokebowl
Tue Sep 18, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 10178

Re: How real is cyber risk?

One of those conveniences being banking by phone. It's really quick and easy to do many things this way but the biggest for me is depositing checks. Check depositing via mobile is not necessarily a bad thing however. I would just ensure if using your mobile fancy thinking device for banking, you en...
by pokebowl
Tue Sep 18, 2018 3:51 am
Forum: Investing - Help with Personal Investments
Topic: California tax free fund or an AMT tax free fund?
Replies: 9
Views: 830

Re: California tax free fund or an AMT tax free fund?

You might also take a look at Treasury Money Market funds which are tax-exempt for the California Income tax. Vanguard's Treasury Money Market fund currently shows an SEC Yield of 1.98%. Has anyone been able to verify if you can hold below that minimum initial investment of $50k once you enter the ...
by pokebowl
Tue Sep 18, 2018 2:49 am
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 10178

Re: How real is cyber risk?

I'd argue the main realistic infosec risk end users face is phishing. I've parroted this response on several of the 2FA token threads, but complex passwords, OTP tokens or password managers won't protect you against common financial phishing attacks, specifically what is known as time of use phishin...
by pokebowl
Fri Sep 14, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: WSJ 9/12/18- Fidelity Doubles Down on Free Fund Strategy
Replies: 34
Views: 3720

Re: WSJ 9/12/18- Fidelity Doubles Down on Free Fund Strategy

I for one welcome continued competition, as in the long run we all win (hopefully). That being said it will be interesting to see if Fidelity not only can keep this level of cost shifting up, but also maintain both their customer and online system support as well. I feel it will take several years t...
by pokebowl
Wed Sep 12, 2018 6:26 am
Forum: Investing - Theory, News & General
Topic: Mother, can I trust the stock market?
Replies: 19
Views: 2371

Re: Mother, can I trust the stock market?

willthrill81 wrote:
Tue Sep 11, 2018 10:39 pm

That doesn't concern me nearly as much as the fact that most of my assets could be argued to be nothing more than ones and zeroes of computer code.
Its only an issue if you find a 2 hidden in there somewhere.
by pokebowl
Fri Sep 07, 2018 10:58 am
Forum: Investing - Theory, News & General
Topic: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF
Replies: 48
Views: 5746

Re: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF

So, when do they announce a VT + BNDW ETF-of-ETFs? I feel the sarcasm, but I do wonder how far brokerage companies will push ETF wrappers in the future. Here we currently have an ETF that follows two additional ETFs (BNDX/BND) which themselves are a share class of two corresponding mutual funds. No...
by pokebowl
Wed Sep 05, 2018 11:14 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: 106777

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

FlyingMoose wrote:
Wed Sep 05, 2018 9:41 pm

If international was cheap before, it must be really really cheap now.
Its as cheap as August 2017. Good time to buy in from my viewpoint.
by pokebowl
Wed Sep 05, 2018 1:51 am
Forum: Investing - Theory, News & General
Topic: Is it time to dump high yield savings for prime money market?
Replies: 140
Views: 28160

Re: Is it time to dump high yield savings for prime money market?

VMMXX has been inching up in SEC yield the last couple days, soon to be 2.10%, after that, to the moon. :)
by pokebowl
Tue Sep 04, 2018 5:24 am
Forum: Investing - Help with Personal Investments
Topic: Is there a better way to do International than Total Index??
Replies: 22
Views: 2974

Re: Is there a better way to do International than Total Index??

All options listed will work until they won't. 2017, when EM was climbing up to ~50%+ returns for some indexes there were many posts here about tilting towards EM as a sure fire bet. Now that 2018, the inverse is true, as you have probably noticed this forum is filled with discussions on dumping int...
by pokebowl
Sat Sep 01, 2018 7:02 pm
Forum: Investing - Theory, News & General
Topic: The US debt is even larger than stated
Replies: 25
Views: 2122

Re: The US debt is even larger than stated

This article argues that the US debt is even larger than stated in the official statistics. Makes sense to me. What is the implication for the individual investor planning for retirement? Simply save more? Do nothing. To you, fiat money is a store of value. To the government, it is not a store of v...
by pokebowl
Sat Sep 01, 2018 12:04 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 397
Views: 44739

Re: U.S. stocks continue to soar!

Am I doing this correctly?

Image
by pokebowl
Thu Aug 30, 2018 9:39 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 397
Views: 44739

Re: U.S. stocks continue to soar!

ruralavalon wrote:
Thu Aug 30, 2018 9:09 am
Do we need a new thread for "the market is drifting around and not doing much"?
U.S. stocks continue to meh?

:mrgreen:
by pokebowl
Wed Aug 22, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: FTIPX vs FZILX - stay or switch (ZERO fund)
Replies: 6
Views: 892

Re: FTIPX vs FZILX - stay or switch (ZERO fund)

The main differences that stick out are I believe the zero fund does not include small caps and follows an in-house index. It will probably take some time until there is enough information on FZILX to compare it to other similar indexes and holdings for performance purposes.
by pokebowl
Mon Aug 20, 2018 9:53 am
Forum: Investing - Theory, News & General
Topic: Previous 10 year returns predicitions
Replies: 6
Views: 1014

Re: Previous 10 year returns predicitions

Here is Vanguard's predictions from 2009: paper here Go to page 9 for a chart with expected returns, but the main conclusion was: Based on early 2009 valuation levels, our analysis would suggest that a reasonable starting point for a central-tendency estimate for the expected return of the U.S. stoc...
by pokebowl
Wed Aug 15, 2018 7:00 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 8434
Views: 1661572

Re: U.S. stocks in freefall

Its shaping up to be a good buy day again for both US and International. Same "stressors" as last week depending on which doom and gloom article you read. Continued rally to the Earth's core confirmed. :beer
by pokebowl
Mon Aug 13, 2018 5:00 am
Forum: Investing - Help with Personal Investments
Topic: VMMXX vs I-Bonds vs High Yield saving account vs ... ?
Replies: 26
Views: 3537

Re: VMMXX vs I-Bonds vs High Yield saving account vs ... ?

How about Vanguard Treasury Money Market Fund VUSXX 1.89 I second this, as it appears OP has enough to meet the minimum threshold. While you will achieve slightly lower yield than investing in Tbills directly, the adjusted rolling average return and state tax exemption make this MM fund an easier h...
by pokebowl
Fri Aug 10, 2018 11:55 pm
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 151
Views: 20160

Re: International stocks in free fall

I started a taxable account at the end of last year. Up to now it's been entirely fusvx. Today I plunked down my first buy of ftpix in that account. It's been growing in size and messing up my us vs international asset allocation and I've been wanting to move more to a 3 fund in taxable. Good day t...
by pokebowl
Fri Aug 10, 2018 3:03 pm
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 151
Views: 20160

Re: International stocks in free fall

Suspicious (its not) why there are no posts to this thread in 2017. :twisted:
by pokebowl
Fri Aug 10, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: The Bigger Story: Fidelity Expense Ratios
Replies: 98
Views: 10996

Re: The Bigger Story: Fidelity Expense Ratios

I am unsure why one must choose only one brokerage. I myself use both. The recent Fidelity moves while welcome, are not enough for my to move my taxable brokerage holdings back to Fidelity. Vanguard still has the advantage there. Now if after a year, Fidelity shows they are keeping these price point...
by pokebowl
Wed Aug 08, 2018 4:34 am
Forum: Investing - Theory, News & General
Topic: Vanguard: Foreign bond holdings should be currency hedged
Replies: 1
Views: 564

Re: Vanguard: Foreign bond holdings should be currency hedged

I personally am neutral on international bonds. This means if all my bond funds were forced to become bundled with international bonds, I wouldn't grab a pitchfork, but at the same time I will not actively seek out international bond funds for my portfolio. While Vanguard has released several papers...
by pokebowl
Mon Aug 06, 2018 2:20 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 762
Views: 78478

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Can you explain this? What does Vanguard do differently? Vanguard currently has a patent, where their ETFs are structured as another share class of a mutual fund, like Admiral or Investor shares. This allows the mutual fund shares with an ETF pairing to benefit from the disposition of capital gains...