Search found 500 matches

by zuma
Mon May 04, 2020 3:51 pm
Forum: Non-US Investing
Topic: How to set up first large portfolio as a novice? Nomad Freelancer/Residence Issues
Replies: 29
Views: 2021

Re: How to set up first large portfolio as a novice? Nomad Freelancer/Residence Issues

OP, There is multiple ways to get a residence permit in a tax advantaged country for you, ie Malaysia or Thailand (elite visa). It has a cost (or an opportunity cost) but it will remove the threat of the tax man coming down on you I would add Estonia's e-residency program as an intriguing option: h...
by zuma
Sat Apr 25, 2020 4:40 pm
Forum: Personal Investments
Topic: US citizen living in EU [semi-retirement portfolio advice]
Replies: 5
Views: 361

Re: US citizen living in EU [semi-retirement portfolio advice]

Thanks for the replies so far.

I will definitely hold global equity at market weight. And hold my 10% cash allocation in euro. That makes sense.

With regard to bonds, it seems like an unhedged US-domiciled euro bond ETF would be ideal, but I'm not aware of one.
by zuma
Sat Apr 25, 2020 11:05 am
Forum: Personal Investments
Topic: US citizen living in EU [semi-retirement portfolio advice]
Replies: 5
Views: 361

Re: US citizen living in EU [semi-retirement portfolio advice]

To clarify your question, are you asking where/how to invest on the bet that the euro strengthens against the USD? I.e. reverses its declining course? (See chart below; click on 10Y or other timeframe.) https://www.wsj.com/market-data/quotes/fx/EURUSD/advanced-chart?mod=md_curr_chart_advanced Basic...
by zuma
Sat Apr 25, 2020 10:27 am
Forum: Personal Investments
Topic: US citizen living in EU [semi-retirement portfolio advice]
Replies: 5
Views: 361

US citizen living in EU [semi-retirement portfolio advice]

Hi all, I've moved around the world recently and am currently planning to settle in the EU. I am a US citizen. I'm reconsidering my basic Boglehead portfolio in this context. You can assume the following: - holding only USD denominated funds - converting USD to EUR for living expenses - no real esta...
by zuma
Fri Apr 17, 2020 3:44 pm
Forum: Personal Investments
Topic: Still using total bond market?
Replies: 140
Views: 16588

Re: Still using total bond market?

This has nothing to do with “different strategy” OK :) I was merely referring to the fact that I'm not interested in changing my bond holdings based on present interest rates, and this seemed to be in contrast to your approach. Sorry that I have become a pain, and please forgive me for that. But wo...
by zuma
Fri Apr 17, 2020 3:16 pm
Forum: Personal Investments
Topic: Still using total bond market?
Replies: 140
Views: 16588

Re: Still using total bond market?

Always passive wrote:
Fri Apr 17, 2020 2:48 pm
This has nothing to do with “different strategy”
OK :)

I was merely referring to the fact that I'm not interested in changing my bond holdings based on present interest rates, and this seemed to be in contrast to your approach.
by zuma
Fri Apr 17, 2020 2:01 pm
Forum: Personal Investments
Topic: Still using total bond market?
Replies: 140
Views: 16588

Re: Still using total bond market?

Given the extremely low interest rates, I do not see any point in using Total Bond, when Treasuries are safer. My bond portfolio is 100% treasuries. Further, given that interest rates will stay at zero (at least untiul the crisis is over) and eventually going up (no other way to go) , cash (CDs, et...
by zuma
Fri Apr 17, 2020 10:50 am
Forum: Personal Investments
Topic: Still using total bond market?
Replies: 140
Views: 16588

Re: Still using total bond market?

Given the extremely low interest rates, I do not see any point in using Total Bond, when Treasuries are safer. My bond portfolio is 100% treasuries. Further, given that interest rates will stay at zero (at least untiul the crisis is over) and eventually going up (no other way to go) , cash (CDs, et...
by zuma
Thu Apr 16, 2020 3:10 pm
Forum: Personal Investments
Topic: Still using total bond market?
Replies: 140
Views: 16588

Re: Still using total bond market?

Given the extremely low interest rates, I do not see any point in using Total Bond, when Treasuries are safer. My bond portfolio is 100% treasuries. Further, given that interest rates will stay at zero (at least untiul the crisis is over) and eventually going up (no other way to go) , cash (CDs, et...
by zuma
Wed Apr 15, 2020 8:17 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe - "What If I've Over Estimated My Tolerance For Risk?"
Replies: 44
Views: 5515

Re: Larry Swedroe - "What If I've Over Estimated My Tolerance For Risk?"

Larry Swedroe - "What If I've Over Estimated My Tolerance For Risk?" If you realize that you have over-estimated your risk tolerance, some of things you can do.. -- We know it is much harder to live through a bear market, than observe in the data.. pain of losses is great and causes our stomach to ...
by zuma
Tue Apr 14, 2020 10:36 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe - "What If I've Over Estimated My Tolerance For Risk?"
Replies: 44
Views: 5515

Re: Larry Swedroe - "What If I've Over Estimated My Tolerance For Risk?"

Larry Swedroe - "What If I've Over Estimated My Tolerance For Risk?" If you realize that you have over-estimated your risk tolerance, some of things you can do.. -- We know it is much harder to live through a bear market, than observe in the data.. pain of losses is great and causes our stomach to ...
by zuma
Sun Apr 12, 2020 6:01 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1111
Views: 110445

Re: Jack Bogle - Two Fund Portfolio

If you are a proponent of international equities, you've got to similarly demand international bonds be a portion of an investor's portfolio, to be logically consistent, don't you, since they would increase diversification? No. One could recommend global equities for a US investor while also recomm...
by zuma
Sun Apr 12, 2020 10:19 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1111
Views: 110445

Re: Jack Bogle - Two Fund Portfolio

If you are a proponent of international equities, you've got to similarly demand international bonds be a portion of an investor's portfolio, to be logically consistent, don't you, since they would increase diversification? No. One could recommend global equities for a US investor while also recomm...
by zuma
Sat Apr 11, 2020 3:05 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1111
Views: 110445

Re: Jack Bogle - Two Fund Portfolio

If you are a proponent of international equities, you've got to similarly demand international bonds be a portion of an investor's portfolio, to be logically consistent, don't you, since they would increase diversification? No. One could recommend global equities for a US investor while also recomm...
by zuma
Sat Apr 11, 2020 11:45 am
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17136

Re: What will you do first, once COVID pandemic is over?

So you think forcing perfectly healthy people to stay home is the same as not allowing a person drive drunk? It's possible to be an asymptomatic carrier of the virus and unknowingly infect others while you're out. Feeling perfectly healthy is not the same as being covid-19 negative. This is why mor...
by zuma
Sat Apr 11, 2020 10:12 am
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17136

Re: What will you do first, once COVID pandemic is over?

So you think forcing perfectly healthy people to stay home is the same as not allowing a person drive drunk? It's possible to be an asymptomatic carrier of the virus and unknowingly infect others while you're out. Feeling perfectly healthy is not the same as being covid-19 negative. This is why mor...
by zuma
Fri Apr 10, 2020 10:54 am
Forum: Investing - Theory, News & General
Topic: Why do investors say stock picking is risky?
Replies: 79
Views: 4278

Re: Why do investors say stock picking is risky?

From the wiki : The risk of investing in a single risky security, such as a stock or corporate bond, is very high due to the company-specific risks. Any number of unfortunate events could impact the rate of return. In the worst possible case, the company could go bankrupt, and the investor could los...
by zuma
Fri Apr 10, 2020 9:17 am
Forum: Personal Investments
Topic: Your AA once you hit 7 figures
Replies: 34
Views: 2619

Re: Your AA once you hit 7 figures

Why "seven figures"? Sounds arbitrary to me.

I would think in terms of total portfolio value as it relates to my expenses.
by zuma
Thu Apr 09, 2020 6:23 pm
Forum: Personal Investments
Topic: Assess Credit Risk in Vanguard Total Bond Market?
Replies: 9
Views: 613

Re: Assess Credit Risk in Vanguard Total Bond Market?

I'm one of the "Total Bond is good enough" people. I use TBM to dilute the risk of my entire portfolio. For that purpose, it works well. I'm not trying to eliminate all risk from my bond allocation.
by zuma
Wed Apr 08, 2020 7:10 pm
Forum: Personal Investments
Topic: Moving from Vanguard to Merrill Edge
Replies: 127
Views: 18385

Re: Moving from Vanguard to Merrill Edge

^^ quoting formatting error above Where do you see this in the BofA dashboard? I went to customize the dashboard and I dont see an option to add a tile about Preferred Reward. They sure make it difficult to know what is going on! On my accounts overview screen there's a link for "My Summary" at the ...
by zuma
Wed Apr 08, 2020 6:33 pm
Forum: Personal Investments
Topic: Moving from Vanguard to Merrill Edge
Replies: 127
Views: 18385

Re: Moving from Vanguard to Merrill Edge

I think so. I opened the Merrill account in a branch with a banker, specifically for the transfer promotion. Pretty sure he added the promotional code which is linked for Preferred Reward in some ways (1.5x bonus if transfer 200k). I think you'll probably need to wait until the next calendar month ...
by zuma
Wed Apr 08, 2020 6:12 pm
Forum: Personal Investments
Topic: Moving from Vanguard to Merrill Edge
Replies: 127
Views: 18385

Re: Moving from Vanguard to Merrill Edge

I think so. I opened the Merrill account in a branch with a banker, specifically for the transfer promotion. Pretty sure he added the promotional code which is linked for Preferred Reward in some ways (1.5x bonus if transfer 200k). I think you'll probably need to wait until the next calendar month ...
by zuma
Tue Apr 07, 2020 11:29 am
Forum: Personal Consumer Issues
Topic: Instacart delivery slots?
Replies: 40
Views: 2760

Re: Instacart delivery slots?

I don't think this is something that interests me but based on at least one poster's comment I'm wondering about what happens if they deliver outside of the scheduled time and you aren't at home? "Leave at My Door Delivery" is an option. But to answer your question directly: I'm not sure what happe...
by zuma
Tue Apr 07, 2020 8:56 am
Forum: Personal Consumer Issues
Topic: Instacart delivery slots?
Replies: 40
Views: 2760

Re: Instacart delivery slots?

You can choose a delivery time before submitting your order.

However, in my experience, the estimated delivery dates are not always accurate. I've received my last two orders several days earlier than expected.
by zuma
Sat Apr 04, 2020 4:46 pm
Forum: Personal Consumer Issues
Topic: is a $1000+ herman miller office chair worth the investment?
Replies: 37
Views: 2779

Re: is a $1000+ herman miller office chair worth the investment?

Look for a Knoll Chadwick chair. Cheaper than an Aeron and better than anything from Ikea. I bought mine secondhand from an office surplus warehouse for $200.
by zuma
Thu Apr 02, 2020 8:34 am
Forum: Personal Investments
Topic: Does anyone else just not care/worry?
Replies: 139
Views: 9629

Re: Does anyone else just not care/worry?

I work in healthcare and am more worried about potential job impact, more than what my portfolio has done. I would think that healthcare jobs would be the most stable at this time. what factors are causing the worry? Not all healthcare jobs are stable. Hospital system furloughs 500 workers amid fin...
by zuma
Thu Mar 19, 2020 9:31 am
Forum: Personal Investments
Topic: Afraid to both rebalance & not rebalance
Replies: 6
Views: 506

Re: Afraid to both rebalance & not rebalance

Perhaps decide on a lower threshold for your fixed income allocation. You might want to keep at least, say, 5 years of spending in bonds and cash. If stocks continue to slide, rebalance down to that threshold but not further.
by zuma
Wed Mar 04, 2020 10:19 am
Forum: Personal Consumer Issues
Topic: Help/Advice with Decluttering
Replies: 37
Views: 2752

Re: Help/Advice with Decluttering

This book was a big help for me. Inspirational and practical.

Remodelista: The Organized Home: Simple, Stylish Storage Ideas for All Over the House
https://www.amazon.com/Remodelista-Orga ... 579656935/
by zuma
Tue Apr 02, 2019 3:14 am
Forum: Investing - Theory, News & General
Topic: Which Vanguard Dividend Fund to pick?
Replies: 47
Views: 4779

Re: Example of Diworsification

Bogleheads: Diworsification: Five years ago the financial industry was urging us to add a Small Cap Value fund to Total Stock Market Index Fund. Let's look at the results: According to Morningstar, Total Stock Market had a 5-year annualized return of 10.57%. Meanwhile, Small Cap Value stocks had a ...
by zuma
Sat Mar 30, 2019 1:50 am
Forum: Investing - Theory, News & General
Topic: Bogle: problem with index funds
Replies: 3
Views: 1201

Re: Boggle: problem with index funds

This has been discussed previously.

Jack Bogle commented: viewtopic.php?f=10&t=265063&p=4242279#p4242279
by zuma
Wed Mar 27, 2019 4:40 am
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 326
Views: 50437

Re: Anyone disenchanted with retirement?

The traditional notion of 'retirement' doesn't resonate with me at all. Being financially independent, on the other hand, absolutely does. Being financially independent means that I can spend my time doing what I want. This might include having a job.
by zuma
Wed Mar 27, 2019 4:04 am
Forum: Investing - Theory, News & General
Topic: I hate bonds
Replies: 116
Views: 15377

Re: I hate bonds

The beauty of the three-fund portfolio is that it's cheap, diversified, and good enough, which means I don't have to agonize over decisions like which bond fund to buy.
by zuma
Tue Mar 26, 2019 6:11 am
Forum: Personal Consumer Issues
Topic: International bank transfers
Replies: 4
Views: 465

Re: International bank transfers

legio XX wrote:
Tue Mar 26, 2019 6:04 am
I have to do a transfer to their bank account using the IBAN.
I use TransferWise for exactly this.

https://transferwise.com/
by zuma
Thu Mar 21, 2019 4:04 am
Forum: Personal Finance (Not Investing)
Topic: BofA is improving their autopay
Replies: 15
Views: 1744

Re: BofA is improving their autopay

The way I understand it, you can set up e-bills and/or you can create a recurring payment. It seems like it's possible to have both of these enabled. I agree that it's confusing (and I hope they improve it), but it's definitely possible to pay the statement balance automatically if you've set up e-b...
by zuma
Wed Mar 20, 2019 11:14 am
Forum: Personal Investments
Topic: How to realistically FIRE?
Replies: 310
Views: 24910

Re: How to realistically FIRE?

The definition of "middle class", "upper-middle class", etc. has to be relative to the local economy. Why can't it be relative to the US as a whole? Why can't it be relative to the world as a whole? It doesn't make sense because we don't live in the world as a whole, or the US as a whole. We live i...
by zuma
Wed Mar 20, 2019 10:59 am
Forum: Personal Investments
Topic: How to realistically FIRE?
Replies: 310
Views: 24910

Re: How to realistically FIRE?

visualguy wrote:
Wed Mar 20, 2019 10:50 am
The definition of "middle class", "upper-middle class", etc. has to be relative to the local economy.
Why can't it be relative to the US as a whole?
by zuma
Sun Mar 10, 2019 4:53 am
Forum: Personal Investments
Topic: Thoughts on VNQ? [Vanguard Real Estate ETF]
Replies: 43
Views: 8270

Re: Thoughts on VNQ?

I held VNQ a couple years ago and it was 5% of my portfolio overall.

I decided that 5% wasn't enough to make a difference, so I sold it.
by zuma
Thu Mar 07, 2019 4:25 am
Forum: Personal Investments
Topic: Vanguard platform is a mess ... UX-wise [User eXperience]
Replies: 65
Views: 6509

Re: Vanguard platform is a mess ... UX-wise [User eXperience]

... As for the "conservativeness" of the Vanguard platform's UX, I think that it is partially or significantly because they want people who have not been exposed to modern / fancy IT platforms (a large percentage of their users, I assume, and arguably with highest net worth, compared to the rest) f...
by zuma
Tue Mar 05, 2019 12:32 pm
Forum: Personal Investments
Topic: Bonds in taxable accounts?
Replies: 6
Views: 1202

Re: Bonds in taxable accounts?

So in doing some reading in the Boglehead Wiki and other sources in regards to tax efficiency for taxable accounts, I came across this statement (from another site)... ...A total bond fund is less than optimal in a taxable brokerage account. Bond funds typically spin off more dividends than stock f...
by zuma
Tue Mar 05, 2019 7:23 am
Forum: Investing - Theory, News & General
Topic: Why does Vanguard use a 40% allocation to International in their Balanced Funds?
Replies: 60
Views: 8385

Re: Why does Vanguard use a 40% allocation to International in their Balanced Funds?

If a US investor puts a quarter of their equities abroad, you’ll probably not have a high level of regret. Putting 0 or full market cap abroad both give you a good shot at being pretty wrong and regretfuI. I like to avoid extremes, so that factors heavily for me. To each their own, of course. Thank...
by zuma
Mon Mar 04, 2019 8:05 am
Forum: Investing - Theory, News & General
Topic: Why does Vanguard use a 40% allocation to International in their Balanced Funds?
Replies: 60
Views: 8385

Re: Why does Vanguard use a 40% allocation to International in their Balanced Funds?

Gufomel wrote:
Mon Mar 04, 2019 7:56 am
I’ve noticed that Vanguard’s Balanced Funds (target date and target risk) all have 40% of their stock allocation in International. Does anyone know the research behind this decision?
https://www.vanguard.com/pdf/ISGGEB.pdf
by zuma
Mon Mar 04, 2019 5:17 am
Forum: Personal Investments
Topic: Question about investing in bonds
Replies: 29
Views: 3259

Re: Question about investing in bonds

"Age in bonds" is a conservative rule of thumb.

"Age minus 20 in bonds" is a less conservative rule of thumb.

Neither is meant to be a replacement for assessing your own situation and making an informed decision.
by zuma
Fri Mar 01, 2019 1:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard research paper on global diversification
Replies: 21
Views: 2344

Re: Vanguard research paper on global diversification

The vast, deep expertise of the Vanguard Group is also moving towards including a much larger percentage of international bonds. In fact, Vanguard is regularly offering new ex-United States bond funds and ETFs. It appears to be much easier to dismiss this aspect of global diversification, for many,...
by zuma
Fri Mar 01, 2019 8:22 am
Forum: Personal Investments
Topic: Total Bond ETF or Mutual Fund in Taxable?
Replies: 8
Views: 1071

Re: Total Bond ETF or Mutual Fund in Taxable?

Does this wiki page help you understand? https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds Or these threads? https://www.bogleheads.org/forum/viewtopic.php?t=240097 https://www.bogleheads.org/forum/viewtopic.php?t=113036 https://www.bogleheads.org/forum/viewtopic.php?t=226898 https://www.boglehea...
by zuma
Wed Feb 27, 2019 2:56 pm
Forum: Personal Investments
Topic: Vanguard platform is a mess ... UX-wise [User eXperience]
Replies: 65
Views: 6509

Re: Vanguard platform is a mess ... UX-wise

Or possibly have the money in your account when you make a purchase. Good idea. I totally disagree. Vanguard let's you purchase now at today's price, and pull the funds from your linked bank account, and you don't even have to worry about transit times. It just works, and lots of people here do it....
by zuma
Wed Feb 27, 2019 12:26 pm
Forum: Investing - Theory, News & General
Topic: Vanguard research paper on global diversification
Replies: 21
Views: 2344

Re: Vanguard research paper on global diversification

https://www.vanguard.com/pdf/ISGGEB.pdf Global equity investing: The benefits of diversification and sizing your allocation Vanguard Research February 2019 ■ Regardless of where they live, investors have a significant opportunity to diversify their equity portfolios by investing outside their home m...
by zuma
Wed Feb 27, 2019 12:22 pm
Forum: Investing - Theory, News & General
Topic: "You're More Internationally Diversified Than You (Probably) Realize"
Replies: 139
Views: 11330

Re: "You're More Internationally Diversified Than You (Probably) Realize"

Vanguard disagrees. From their Feb 2019 paper [ Global equity investing: The benefits of diversification and sizing your allocation ]: Can multinational corporations provide enough exposure? One common question about exposure to stocks outside one’s home market is whether domestic multinational comp...
by zuma
Tue Feb 26, 2019 2:10 am
Forum: Personal Investments
Topic: Vanguard platform is a mess ... UX-wise [User eXperience]
Replies: 65
Views: 6509

Re: Vanguard platform is a mess ... UX-wise

You're right. It's bad.
by zuma
Thu Feb 21, 2019 3:42 am
Forum: Personal Consumer Issues
Topic: Do others dislike Vanguard's new website as much as me?
Replies: 205
Views: 14131

Re: Do others dislike Vanguard's new website as much as me?

The website isn't very good. It's also not very bad, and it's far from the worst I've seen. Basically, I have no strong opinions about it.

Re: the grammar debate, language is fluid and arguing over what's "correct" when the meaning of the title was always perfectly clear seems like a waste of time.
by zuma
Thu Feb 21, 2019 3:22 am
Forum: Personal Investments
Topic: Is VSBSX too risky for 6 months?
Replies: 41
Views: 4762

Re: Is VSBSX too risky for 6 months?

Ok, upside (5500) vs unlikely but possible downside (25000) established. And why do you need the principal? To buy a house. Seems like an unnecessary risk. VUSXX is currently earning 2.34%. VSBSX is currently earning 2.50% with significantly more downside risk. Why not just buy a 6 month T-bill fro...