Search found 639 matches

by zuma
Thu Jul 06, 2023 10:01 am
Forum: Investing - Theory, News & General
Topic: Schwab Portfolio Performance page
Replies: 38
Views: 5272

Re: Schwab Portfolio Performance page

I would assume you need to create a portfolio first. I would expect Schwab to be able to aggregate my Schwab accounts. But I just created a portfolio anyway and was able to see the performance. One thing that worried me after creating the portfolio was at the top of the screen "Our robo-advisor technology monitors and automatically rebalances your account to help keep you diversified and on track." I don't want that. You're right, Schwab could have created a default portfolio and then let you edit (or remove) it. The interface for creating and modifying portfolios appears to be a legacy system. Maybe it will be overhauled at some point. I don't see the robo-advisor text but I'm guessing it's just some marketing. I wouldn't worry ...
by zuma
Thu Jul 06, 2023 4:52 am
Forum: Investing - Theory, News & General
Topic: Schwab Portfolio Performance page
Replies: 38
Views: 5272

Re: Schwab Portfolio Performance page

Hmmmm......still not working for my accounts. The performance is still only calculating for one of several accounts (not combined as it did for many years). Not sure if this is rolled out in stages, etc. :confused It's mid-April and I'm also still waiting for this. I've noticed small changes to the page (they added a tab for Asset Allocation) but it's still only showing data per account, not for the entire portfolio as before. I really have no interest in tracking performance of individual accounts, so I hope this feature gets restored soon! Finally! I can now see performance for my portfolio in addition to performance per account. Better late than never :happy Under "Portfolio Performance" I still have to select individual accou...
by zuma
Thu Jul 06, 2023 2:32 am
Forum: Investing - Theory, News & General
Topic: Schwab Portfolio Performance page
Replies: 38
Views: 5272

Re: Schwab Portfolio Performance page

Hmmmm......still not working for my accounts. The performance is still only calculating for one of several accounts (not combined as it did for many years). Not sure if this is rolled out in stages, etc. :confused It's mid-April and I'm also still waiting for this. I've noticed small changes to the page (they added a tab for Asset Allocation) but it's still only showing data per account, not for the entire portfolio as before. I really have no interest in tracking performance of individual accounts, so I hope this feature gets restored soon! Finally! I can now see performance for my portfolio in addition to performance per account. Better late than never :happy Thanks for your post. Mine was working since Feb, then a few days ago stopped. ...
by zuma
Thu Jul 06, 2023 12:16 am
Forum: Investing - Theory, News & General
Topic: Schwab Portfolio Performance page
Replies: 38
Views: 5272

Re: Schwab Portfolio Performance page

zuma wrote: Sat Apr 15, 2023 12:57 am
JAZZISCOOL wrote: Tue Feb 07, 2023 3:45 pm Hmmmm......still not working for my accounts. The performance is still only calculating for one of several accounts (not combined as it did for many years). Not sure if this is rolled out in stages, etc. :confused
It's mid-April and I'm also still waiting for this. I've noticed small changes to the page (they added a tab for Asset Allocation) but it's still only showing data per account, not for the entire portfolio as before. I really have no interest in tracking performance of individual accounts, so I hope this feature gets restored soon!
Finally!

I can now see performance for my portfolio in addition to performance per account.

Better late than never :happy
by zuma
Sat Apr 15, 2023 12:57 am
Forum: Investing - Theory, News & General
Topic: Schwab Portfolio Performance page
Replies: 38
Views: 5272

Re: Schwab Portfolio Performance page

JAZZISCOOL wrote: Tue Feb 07, 2023 3:45 pm Hmmmm......still not working for my accounts. The performance is still only calculating for one of several accounts (not combined as it did for many years). Not sure if this is rolled out in stages, etc. :confused
It's mid-April and I'm also still waiting for this. I've noticed small changes to the page (they added a tab for Asset Allocation) but it's still only showing data per account, not for the entire portfolio as before. I really have no interest in tracking performance of individual accounts, so I hope this feature gets restored soon!
by zuma
Fri Feb 17, 2023 1:34 pm
Forum: Personal Consumer Issues
Topic: Vanguard Website's "Expand All Acounts" Annoyance
Replies: 9
Views: 850

Re: Vanguard Website's "Expand All Acounts" Annoyance

BBBob wrote: Fri Feb 17, 2023 1:25 pm You used to be able to simply click "My Accounts" > "Balances And Holdings" to get a listing of all the funds held in each of the accounts, with the respective daily data for each fund (hereinafter, the "itemized page").
You can still access the old Balances and Holdings page here:

https://personal.vanguard.com/us/faces/TPView
by zuma
Fri Feb 10, 2023 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions for Obtaining Cash in Europe
Replies: 75
Views: 5301

Re: Suggestions for Obtaining Cash in Europe

Headed to Hungary, Austria, Germany. Departing Phila, probably changing planes in New York center. How do we keep cash for use in Europe, but avoid being a nice fat robbery target while in New York? Lemme pick your brains. I don't know about these locations, but I was in Scotland in October. Basically no one wanted cash. I can't imagine traveling in Germany without cash. Germans love cash. Post Covid it’s almost all credit cards or contactless pay. I haven’t been to Germany in a few years but according to the Bundesbank, cash is still the most frequently used method of payment (through 2021). But I can imagine that there are fewer cash-only places these days. “Neither digitalisation nor the pandemic have been able to oust cash. When it com...
by zuma
Thu Feb 09, 2023 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions for Obtaining Cash in Europe
Replies: 75
Views: 5301

Re: Suggestions for Obtaining Cash in Europe

exodusNH wrote: Thu Feb 09, 2023 2:13 pm
hotajax wrote: Thu Feb 09, 2023 1:58 pm Headed to Hungary, Austria, Germany. Departing Phila, probably changing planes in New York center.
How do we keep cash for use in Europe, but avoid being a nice fat robbery target while in New York?
Lemme pick your brains.
I don't know about these locations, but I was in Scotland in October. Basically no one wanted cash.
I can't imagine traveling in Germany without cash. Germans love cash.
by zuma
Thu Feb 09, 2023 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions for Obtaining Cash in Europe
Replies: 75
Views: 5301

Re: Suggestions for Obtaining Cash in Europe

aristotelian wrote: Thu Feb 09, 2023 2:05 pm Open a Schwab checking account if you haven't already. Use their debit card at bank ATM's (not ATM's in convenience stores or random street corners). You should get a good conversion rate without any bank fees.

If you want to put your mind at ease, do a Google search to find ATM options at your arrival airport.

Do not go to airport kiosks, do not get foreign currency at your local US bank.
+1

Just use bank ATMs in Europe.

And yes, the Schwab checking account is great for travel. They will reimburse ATM fees worldwide.
by zuma
Thu Feb 09, 2023 10:35 am
Forum: Non-US Investing
Topic: American Expat in Chile with US cash inheritance
Replies: 4
Views: 1057

Re: American Expat in Chile with US cash inheritance

tricksr4skiers wrote: Thu Feb 09, 2023 8:50 am My understanding is that I won't have to pay any taxes in Chile on these investments, but I guess that could be wrong. Does anyone know here?
I would go directly to the Chilean tax authority to get the answer.

Maybe this is helpful?

https://www.sii.cl/aprenda_sobre_impues ... ingles.htm
by zuma
Sat Jan 14, 2023 6:09 am
Forum: Personal Consumer Issues
Topic: Google Authenticator - how to safeguard it
Replies: 29
Views: 2279

Re: Google Authenticator - how to safeguard it

Saving backup codes for accounts that provide them is a good idea. In addition to that, I also save a copy of the TOTP setup key in my password manager (KeePassXC) when creating a new entry in Google Authenticator. This is either a screenshot of the QR code or the raw text code which can be entered manually. If I ever lose my phone I can use the same setup key again with a different phone.
by zuma
Fri Jan 06, 2023 3:24 am
Forum: Personal Finance (Not Investing)
Topic: PSA: recent Schwab Bank bill pay difficulties
Replies: 24
Views: 3434

Re: PSA: recent Schwab Bank bill pay difficulties

Interesting thread. I use Schwab bill pay and have never experienced any problems, but all of my accounts are set up as eBills, which I assume means that payments are always delivered electronically.
by zuma
Thu Nov 24, 2022 7:15 am
Forum: Personal Consumer Issues
Topic: how to send a food basket to Sweden?
Replies: 9
Views: 722

Re: how to send a food basket to Sweden?

mookie wrote: Thu Nov 24, 2022 7:03 am
IowaFarmBoy wrote: Thu Nov 24, 2022 6:56 am Could Google translate help enough with the Swedish?
Oh yes, that helps now.

Those baskets are only for delivery at Christmas. Does anyone have a suggestion for a Stockholm shop that delivers a gift basket in the next few days?
https://shop.urbandeli.se/collections/g ... esent-stor
by zuma
Thu Nov 24, 2022 7:04 am
Forum: Personal Consumer Issues
Topic: how to send a food basket to Sweden?
Replies: 9
Views: 722

Re: how to send a food basket to Sweden?

Urban Deli in Stockholm has some Christmas gift boxes available for purchase online. (Website in Swedish only.) https://urbandeli.se/ https://shop.urbandeli.se/collections/jul-harliga-jul That's helpful, thanks! I don't know Swedish, so having difficulty picking out the particular basket I want. Any chance you can post a link to one that has no meat (fish, chocolate and/or fruit is good)? Here's a vegan box for 2: https://shop.urbandeli.se/collections/jul-harliga-jul/products/grona-julbordet Seafood for 2: https://shop.urbandeli.se/collections/jul-harliga-jul/products/julbordet-skaldjur Cheese, coffee, etc: https://shop.urbandeli.se/collections/jul-harliga-jul/products/lilla-jullada-urban-deli-2022-avhamtning-hemkorning-from-12-december I ...
by zuma
Thu Nov 24, 2022 6:41 am
Forum: Personal Consumer Issues
Topic: how to send a food basket to Sweden?
Replies: 9
Views: 722

Re: how to send a food basket to Sweden?

Urban Deli in Stockholm has some Christmas gift boxes available for purchase online. (Website in Swedish only.)

https://urbandeli.se/

https://shop.urbandeli.se/collections/jul-harliga-jul
by zuma
Thu Apr 07, 2022 5:53 am
Forum: Personal Investments
Topic: Why not diversify the bond portion of your portfolio?
Replies: 78
Views: 8765

Re: Why not diversify the bond portion of your portfolio?

annied12 wrote: Thu Apr 07, 2022 5:35 am A study/paper on this issue would be helpful.
Here's a Vanguard paper from 2019:

Junk or jewel? Assessing the role of high-yield bonds in a diversified portfolio [PDF]
High-yield bonds behave like a “hybrid” instrument, reflecting characteristics of both the equity and fixed income markets. With this in mind, we look at the portfolio impact of two types of high-yield positions: one funded by an investor’s existing fixed income allocation, and one sourced from an equity allocation. We conclude that high-yield bonds are expected to improve the risk and return characteristics of a traditional balanced portfolio if funded by the portfolio’s existing equity allocation.
by zuma
Wed Apr 06, 2022 3:27 pm
Forum: Personal Consumer Issues
Topic: Living Abroad if you work virtually.
Replies: 33
Views: 2594

Re: Living Abroad if you work virtually.

Ependytis wrote: Wed Apr 06, 2022 3:01 pm What about visa requirements?
I would look into digital nomad visas, e.g. https://www.e-resident.gov.ee/nomadvisa/

https://expertvagabond.com/digital-nomad-work-visas/
by zuma
Tue Apr 05, 2022 2:22 am
Forum: Personal Finance (Not Investing)
Topic: International Travel (USA to Germany) Health Insurance
Replies: 9
Views: 1372

Re: International Travel (USA to Germany) Health Insurance

slowandsteadywins wrote: Mon Apr 04, 2022 7:45 pm
zuma wrote: Mon Apr 04, 2022 3:49 am In the past I've used IMG for travel medical insurance. I've never had to file a claim, but the website is easy to use and the prices for short-term coverage seem reasonable.
Thank you. What were examples of your use of the travel medical insurance and what did you end up going with?
I chose Patriot International. I wanted to have emergency coverage while traveling outside the US for more than two months.
by zuma
Mon Apr 04, 2022 3:49 am
Forum: Personal Finance (Not Investing)
Topic: International Travel (USA to Germany) Health Insurance
Replies: 9
Views: 1372

Re: International Travel (USA to Germany) Health Insurance

In the past I've used IMG for travel medical insurance. I've never had to file a claim, but the website is easy to use and the prices for short-term coverage seem reasonable.
by zuma
Mon Mar 28, 2022 4:13 am
Forum: Personal Investments
Topic: Keep bond funds/ETFs or time to dump?
Replies: 33
Views: 3713

Re: Keep bond funds/ETFs or time to dump?

MakingBacon wrote: Mon Mar 28, 2022 12:20 am Looking for some input here. I'm wondering what to do with several bond funds. They're not doing well, and with more interest rate hikes on the horizon, I'm not sure what to expect. I've already dumped my shares of BIV, and I have several others I'm thinking about selling.
I'm keeping my intermediate bond funds because, frankly, I don't care if they're "not doing well" right now and I certainly don't feel compelled to do something with them. I hold bonds to dilute the risk of stocks in my portfolio, and the return of my portfolio is the only thing I care about. I'm investing for the long term and I'm happy to see rising interest rates.
by zuma
Sat Mar 26, 2022 11:22 am
Forum: Personal Finance (Not Investing)
Topic: 50 Year Retirement - What withdrawal rate would you be comfortable with?
Replies: 165
Views: 17364

Re: 50 Year Retirement - What withdrawal rate would you be comfortable with?

And it also becomes obvious why in this case, as the N in B1 gets bigger, historic observations similar to B1 do not not necessarily get more informative, in fact they can get less informative, because you are trying to use more and more information from times which are more and more different from now. Now we're getting down to it. You don't like backtesting with 'too much data'. It would have saved a lot of time had you said so from the start. What he said from the start is essentially the same thing! :D This is fallacious reasoning and potentially dangerous. If you knew the probability distribution over future scenarios, you could say the odds are good you won't be in the tail ends of that distribution. But it is entirely possible for s...
by zuma
Sat Mar 26, 2022 9:28 am
Forum: Personal Finance (Not Investing)
Topic: 50 Year Retirement - What withdrawal rate would you be comfortable with?
Replies: 165
Views: 17364

Re: 50 Year Retirement - What withdrawal rate would you be comfortable with?

59Gibson wrote: Sat Mar 26, 2022 9:08 am I'd be curious to know if anyone in the FIRE community actually retired at mid to late 30s on a 3-4% w/d(prerequisite -retired for at least 10 yrs, not simply a break) and hasn't made another nickel in earned income.
I know someone who retired in 2011 at age 34 on a very tight budget and he hasn't worked at all since then. Turns out that was a good year to retire! I think his initial WR was 4%, but with mild inflation during that time, he just pulled the same nominal amount for the first 10 years.
by zuma
Sat Mar 26, 2022 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Can someone help me with my obsessive banking decision / dilemma?
Replies: 36
Views: 5126

Re: Can someone help me with my obsessive banking decision / dilemma?

enuff wrote: Sat Mar 26, 2022 6:26 am There is a much easier solution to not seeing your investments when you log into Schwab -- you can simply hide your Schwab investment accounts from your view. This is what I do. When I log in I only see my checking accounts. And when I want to make investment contributions I make them visible again, invest, and then hide them again.

To do this, log in via web browser -> next to Accounts there is a little cog icon and the word Settings, click this, and then uncheck Show Online next to investment accounts.
When I try this, it gives me an error message: "You must show at least one Schwab brokerage account"
by zuma
Sat Mar 26, 2022 8:38 am
Forum: Investing - Theory, News & General
Topic: Non Profit Investment Strategy
Replies: 10
Views: 791

Re: Non Profit Investment Strategy

Not sure if this would be relevant to your non-profit, but my Schwab account provides a 'moderate' 60/40 benchmark using the following:

35% S&P 500
35% Bloomberg U.S. Aggregate Bond
15% MSCI EAFE (TRN)
10% Russell 2000
5% FTSE 3-Month Treasury Bill
by zuma
Sat Mar 26, 2022 5:36 am
Forum: Personal Finance (Not Investing)
Topic: 50 Year Retirement - What withdrawal rate would you be comfortable with?
Replies: 165
Views: 17364

Re: 50 Year Retirement - What withdrawal rate would you be comfortable with?

Correct. The real fallacy would be saying that the market are so predictable that you can confidently say that the odds are high that the next X years returns and sequence of those returns will be worse than the worst they've been in the last ~100 years. That would ALSO be a fallacy, but I think it is important to note that you can both reject naive backtesting-based models AND also not do that. No, it wouldn't be. There are two mutually exclusive statements here, and both cannot logically be false. (1) The odds are good that the year you retire WILL NOT be worse than the worst in a lengthy period of the past. (2) The odds are good that the year you retire WILL be worse than the worst in a lengthy period of the past. Now one might say that...
by zuma
Fri Mar 25, 2022 5:17 am
Forum: Personal Consumer Issues
Topic: Domain name registrar with lowest renewal fees?
Replies: 21
Views: 2166

Re: Domain name registrar with lowest renewal fees?

+1 for Namecheap, I've been a customer since 2007, never had any problems.
by zuma
Thu Mar 24, 2022 4:27 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3898
Views: 2434490

Re: The Three-Fund Portfolio

Spgold wrote: Thu Mar 24, 2022 1:58 am Does the 3 fund portfolio include also Emerging Markets in the non US part of it or just Developed ex US ?

Thanks
Emerging markets are normally included, but there is no rule that says you must include EM in your three-fund portfolio. Vanguard Total International Stock, the default recommendation for ex-US, includes 25% in emerging markets. I think Fidelity funds are similar. However, the Schwab international fund (SCHF) is based on a different index and does not include emerging markets.
by zuma
Wed Mar 23, 2022 5:46 pm
Forum: Personal Consumer Issues
Topic: How to upload photos without an account
Replies: 10
Views: 912

Re: How to upload photos without an account

Have you tried a Dropbox file request?

https://help.dropbox.com/files-folders/ ... le-request
Anyone can send you a file you've requested, whether they have a Dropbox account or not.
by zuma
Sat Mar 19, 2022 3:14 am
Forum: Investing - Theory, News & General
Topic: William Bernstein - A Day To Remember (article)
Replies: 109
Views: 15764

Re: William Bernstein - A Day To Remember (article)

lawman3966 wrote: Sat Mar 19, 2022 3:06 am
EvelynTroy wrote: Sat Jan 15, 2022 7:42 am William Bernstein has contributed an article today at Humble Dollar - he presents: A Day To Remember - October 19, 1987
Here are two lessons that took me decades more to learn—and which could have made my financial journey far smoother:
https://humbledollar.com/2022/01/a-day-to-remember/


Evelyn
The article appears to no longer be available on humbledollar.com. Does anyone have another link to the article, or some other way of accessing it?
https://web.archive.org/web/20220118193 ... -remember/
by zuma
Mon Mar 07, 2022 2:11 pm
Forum: Personal Consumer Issues
Topic: Berlin, Basel (Switzerland) - Suggestions, please
Replies: 27
Views: 2404

Re: Berlin, Basel (Switzerland) - Suggestions, please

AnnetteLouisan wrote: Mon Mar 07, 2022 1:45 pm Thank you. It’s curious, because the building currently houses the Bundestag. Do locals call it the Reichstagsgebaeude or is that more for tourist reference? Wouldn’t want the OP to make any faux pas while there.
Yes, locals call it that, no need to worry.

https://www.berlin.de/sehenswuerdigkeit ... hstag.html
by zuma
Mon Mar 07, 2022 1:38 pm
Forum: Personal Consumer Issues
Topic: Berlin, Basel (Switzerland) - Suggestions, please
Replies: 27
Views: 2404

Re: Berlin, Basel (Switzerland) - Suggestions, please

AnnetteLouisan wrote: Mon Mar 07, 2022 1:16 pm Respectfully, I’m pretty sure it’s called the Bundestag these days.
'The Reichstag' usually refers to the building (Das Reichstagsgebäude).
by zuma
Mon Feb 21, 2022 10:23 am
Forum: Personal Consumer Issues
Topic: US Citizen visiting EU more than 90 days?
Replies: 8
Views: 634

Re: US Citizen visiting EU more than 90 days?

Personally, I'd just find some non-Schengen destinations and add those to my itinerary if I wanted to stay in Europe for more than 90 days as a US resident. Ireland, UK, Romania, Croatia, Turkey... just to name a few.
by zuma
Sun Feb 06, 2022 9:44 am
Forum: Personal Investments
Topic: Total International Bond Fund?
Replies: 20
Views: 3184

Re: Total International Bond Fund?

steve r wrote: Sun Feb 06, 2022 9:39 am 2) I fully do not grasp that on other (past) threads, some opine (or perhaps state as fact) that SEC yields are not equivalent as the yield stink on BNDX, but are better for BNDW than BND??? :?: I do not understand what they are talking about after reading the SEC description. Perhaps someone can source this claim. While as a total market investor, not always understanding OK, but is a concern in this instance.
This post by grabiner might help clarify the SEC yield confusion.
by zuma
Sat Jan 29, 2022 3:29 am
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 678
Views: 632822

Re: A time to EVALUATE your jitters

So far this year has been a pretty good test of ones ability to "stay the course" through chaotic market swings. It does test ones nerve and patience. So far so good for me as I have not sold anything but I do have an ominous feeling that the news lately is a rerun of the news that was put out the week of December first 1941. Has it really? This is barely a blip, maybe an almost imperceptible dip in the road, in the bigger scheme of things. If anyone is already thinking about selling or making major changes, then they need to take a long hard look in the mirror and figure out a better AA and overall plan. I haven’t even looked at my accounts in 2022, though I know what’s happened in the markets. We have seen a whole lot heckuva w...
by zuma
Thu Jan 27, 2022 10:40 am
Forum: Personal Investments
Topic: -----
Replies: 235
Views: 33124

Re: Early retirement plan advice (39yo, $880k, ~3.5% withdraw)

EnjoyIt wrote: Thu Jan 27, 2022 10:38 am One thing to consider right now is that OP was almost 100% equities when this thread started which was right as the market started to decline. Since then OP agreed that more fixed income is appropriate, but it is very likely OP has not had the chance to adjust and is sitting 10% lower or closer to an $800k portfolio. I wonder if this turmoil has put a little fear into the plan. The portfolio can easily drop below $500k in the coming days/months/years.

Me being semi-retired, I have some concern that today may be the new 1966 and the worst time to retire in trackable history. :shock:
OP moved to 80/20 after the initial post.

viewtopic.php?p=6464118#p6464118
by zuma
Thu Jan 27, 2022 2:32 am
Forum: Personal Investments
Topic: -----
Replies: 235
Views: 33124

Re: Early retirement plan advice (39yo, $880k, ~3.5% withdraw)

A single person can easily live comfortably on $31k/year in the US, depending on the area. (For a family of 4 or 5, I'm not sure. But the OP is single.) If housing and healthcare costs are under control and you enjoy a simple lifestyle (mostly eating at home, cheap hobbies, etc), then it's really not difficult. In my experience, not having a car helps a lot, but that's obviously not realistic for everyone. Whether obsessive frugality is a part of your "identity" or not is irrelevant. People find happiness in different ways and I'm not sure why this is controversial.
by zuma
Thu Jan 27, 2022 1:57 am
Forum: Investing - Theory, News & General
Topic: Bogleheads take on bond tent
Replies: 310
Views: 25118

Re: Bogleheads take on bond tent

For the people in this thread who are skeptical of bond tents: why a constant allocation, instead of a decreasing equity glide path such as "age in bonds"? When you're 90 years old and only have 5 years left in retirement, shouldn't you be mostly bonds? Or at least more bonds than at the start of retirement at age 65? What if there's a market crash at age 91 or 92 that takes many years to recover? Firstly, because you have to have some solid grounds to establish that it makes any difference. The essence of the discussion on this thread is about how hard it is to scheme up something that clearly works better than something else. Also it is important to note that being skeptical is not the same thing as being sure something is a mi...
by zuma
Mon Jan 24, 2022 4:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4682770

Re: U.S. stocks in free fall

GP813 wrote: Mon Jan 24, 2022 4:06 pm I would love to know who flooded money into the close. Was it retail investors, portfolio managers, pensions funds, algorithmic traders, all of them...
Apparently retail were the sellers early today: https://twitter.com/TheStalwart/status/ ... 7508232194
by zuma
Sun Jan 23, 2022 7:53 am
Forum: Investing - Theory, News & General
Topic: Bonds are doing their job so far
Replies: 180
Views: 21459

Re: Bonds are doing their job so far

If I have low net worth, however, and I am therefore in the accumulation phase, am I not better off buying stocks 100% in this environment, just twice a month on schedule making my purchases? The price is cheaper. I am buying low. If I were buying 30% bonds, then I would be directing 30% of each purchase into buying assets that are comparatively more expensive, that is, buying high, correct? I would say no, that is not a helpful way to think about it. Stocks are volatile. Maybe we're at the end of a small dip or maybe we're at the start of a huge decline. No one knows in advance. I would suggest buying assets according to your long-term investment plan regardless of whether you think prices are high or low in "this environment".
by zuma
Sun Jan 23, 2022 6:09 am
Forum: Personal Investments
Topic: -----
Replies: 235
Views: 33124

Re: Early retirement plan advice (39yo, $880k, ~3.5% withdraw)

softwaregeek wrote: Sun Jan 23, 2022 12:55 am I would find living with that little margin absolutely terrifying. And the risk is that you find yourself broke in early 60s with no work history and having to work a bottom of the barrel job. Then what happens is social security early and a downward spiral. Saw it happen with a family member.
My impression is that most lean FIRE types would not find it terrifying. As someone wrote in a different thread, FIRE is inherently optimistic. Yes, there's a chance that you'll be broke and umemployable in 20 years if you hit an extremely bad sequence of returns and spend a lot more than expected. No one is saying that it's not possible. But it seems more likely that you'd find a way to adapt before the situation gets too dire.
by zuma
Thu Jan 20, 2022 6:37 am
Forum: Investing - Theory, News & General
Topic: Rebalance Every 8 Years?
Replies: 85
Views: 5320

Re: Rebalance Every 8 Years?

I don't think anyone can say it's "optimal" or not without first understanding what the objective is.
by zuma
Thu Jan 20, 2022 5:34 am
Forum: Personal Investments
Topic: TIPS, Total Bond Fund, EE or stay the course
Replies: 7
Views: 1059

Re: TIPS, Total Bond Fund, EE or stay the course

Personally, I'd choose #1 and just increase total bond. With a 90/10 portfolio, your bond selection is not very important. Others may have a different preference.
by zuma
Tue Jan 18, 2022 12:45 pm
Forum: Personal Consumer Issues
Topic: Apple Mail app alternatives ...Protonmail/Fastmail/Tutanota
Replies: 29
Views: 3076

Re: Apple Mail app alternatives ...Protonmail/Fastmail/Tutanota

Fastmail is great, I’ve been a happy customer for years. Their web interface and iOS app are both top notch.

I use Fastmail for email hosting and also as a DNS host for all of my domains. Their DNS management interface is much more sophisticated than what you’ll find at most domain registrars (at least in my experience).

As a bonus, it’s also nice for hosting simple static websites.
by zuma
Mon Jan 17, 2022 3:35 am
Forum: Personal Investments
Topic: -----
Replies: 235
Views: 33124

Re: Early retirement plan advice (39yo, $880k, ~3.5% withdraw)

But I'd like to focus on the third for a moment, specifically one point that came up a lot: asset allocation . After all it's going to be relevant whether I start withdraws in 1 year or 10 years, so I'd love to have a better idea of how to approach it regardless. If 3.5% SWR is used, I'd recommend 90/10. Maybe 95/5 but you have to have diamond hands not to panic sell. I agree that you have to be aggressive here, stuff like 60/40 is stable but you need growth here not stability. You might consider a rising equity glide path as described here: https://earlyretirementnow.com/2017/09/13/the-ultimate-guide-to-safe-withdrawal-rates-part-19-equity-glidepaths/ Start with 60/40 or 70/30 and gradually increase your stock exposure to a desired endpoi...
by zuma
Sun Jan 16, 2022 6:49 am
Forum: Investing - Theory, News & General
Topic: Will BND return be negative in 2022
Replies: 228
Views: 21691

Re: Bonds are for safety during stock market declines

CraigTester wrote: Sun Jan 16, 2022 6:45 am
zuma wrote: Sun Jan 16, 2022 6:33 am
CraigTester wrote: Sun Jan 16, 2022 6:15 am However, if you buy an intermediate bond today, and hold it for its duration of say 6 years, you will get whatever it’s yield is today. Then if you reinvest the proceeds at maturity, you will get whatever the prevailing rate is at that time.
A bond fund does not have a maturity date. Also, you might want to check out this thread.
A bond “fund” is simply a bunch of individual bonds, that each have a maturity date.
What does it mean to “reinvest the proceeds at maturity” if one is holding a bond fund?
by zuma
Sun Jan 16, 2022 6:33 am
Forum: Investing - Theory, News & General
Topic: Will BND return be negative in 2022
Replies: 228
Views: 21691

Re: Bonds are for safety during stock market declines

CraigTester wrote: Sun Jan 16, 2022 6:15 am However, if you buy an intermediate bond today, and hold it for its duration of say 6 years, you will get whatever it’s yield is today. Then if you reinvest the proceeds at maturity, you will get whatever the prevailing rate is at that time.
A bond fund does not have a maturity date. Also, you might want to check out this thread.
by zuma
Sun Jan 16, 2022 5:46 am
Forum: Investing - Theory, News & General
Topic: Will BND return be negative in 2022
Replies: 228
Views: 21691

Re: Bonds are for safety during stock market declines

CraigTester wrote: Sat Jan 15, 2022 11:04 pm As for the secondary goal, at a time when rates are at historic lows, and the Fed is telling us they intend to raise them, its not a slam dunk that bonds are positioned to outperform cash in the near term....
If you're investing for the near term, then cash might be a better option.

Most of us here are investing for the long term.
by zuma
Sun Jan 16, 2022 4:47 am
Forum: Investing - Theory, News & General
Topic: Will BND return be negative in 2022
Replies: 228
Views: 21691

Re: Will BND return be negative in 2022

Can you break that down in 10-year increments? Ending in 1981 might be a bit misleading because of double-digit inflation in late 70s, early 80s. Or how about 1941-1951, 1941-1961, and 1941-1971? Rising interest rates don't really kill bond funds. Inflation is the real danger. Below are the real returns for intermediate-term Treasuries from the Simba backtesting spreadsheet. 1941-1950: -3.65% 1951-1960: +0.45% 1961-1970: +0.48% 1971-1980: -3.11% I agree that inflation is the biggest danger to bondholders, which is why I've long advocated for inflation-linked bonds over nominals. The problem with inflation linked is that these returns are built in from the start. You know what you're getting. Better the devil you know. :twisted: Those who h...