Search found 171 matches

by dogagility
Sat Oct 20, 2018 3:32 am
Forum: Investing - Help with Personal Investments
Topic: Is my IRA underperforming?
Replies: 15
Views: 1534

Re: Is my IRA underperforming?

Welcome to the forum, MB. I agree with others who have said this type of market fluctuation is normal, but that you really need a to benchmark your performance against a standard. This is a bit difficult to do with the amount of funds into which your "advisor" has put your money. It's probably in th...
by dogagility
Thu Oct 11, 2018 4:34 am
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 108
Views: 7539

Re: What did you buy today

Three mirrors.
by dogagility
Wed Oct 10, 2018 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: When stocks and bonds drop at the same time, what do you do?
Replies: 40
Views: 4457

Re: When stock and bod drop at the same time, what do you do?

Stay the course and stop listening to the talking heads.
by dogagility
Tue Oct 09, 2018 7:43 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard [Portfolio help requested]
Replies: 21
Views: 2233

Re: Fidelity or Vanguard

I've funds in both Fidelity and Vanguard. Vanguard because of past history and Fidelity because of a 401k. I vote with others on this thread to keep your money at Fidelity. Fidelity's CMA and 2% cash back Visa are both very good.
by dogagility
Wed Oct 03, 2018 5:24 am
Forum: Investing - Help with Personal Investments
Topic: My biggest mistake - market timing
Replies: 62
Views: 9045

Re: My biggest mistake - market timing

Well, if market had tanked 40% in 2017 or after your withdrawal, wouldn't you be glad? No one has Crystal ball so you did what's best for you under those circumstance. Well said - your post offers an excellent perspective for all of us! I beg to differ. What the OP/husband did was classic market ti...
by dogagility
Tue Oct 02, 2018 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds... Why do people bother with them. ?
Replies: 71
Views: 7425

Re: Bonds... Why do people bother with them. ?

Here's a puzzle: would you be asking this question if it was January 2009? (Ooh, Ooh! Mr. Kotter, Mr. Kotter!) I remember 2009 very well. Was 100% stock at the time (and since 1995) and remember thinking in 2009 that I wished I had more money to invest in stocks. Saw it as a great buying opportunit...
by dogagility
Sun Sep 30, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 753
Views: 74012

Re: NEW Fidelity® ZERO Large Cap Index Fund (FNILX)

stemikger wrote:
Sun Sep 30, 2018 9:33 am
Forgive this newbie question, but I don't have the information in front of me. With a 0% ER how do they make money?
One way would be by attracting new clients and then selling them other services.
by dogagility
Sat Sep 29, 2018 7:26 am
Forum: Personal Finance (Not Investing)
Topic: How much term life insurance? $$ and duration
Replies: 18
Views: 1615

Re: How much term life insurance? $$ and duration

GoldStar wrote:
Sat Sep 29, 2018 7:01 am
Without a plan to have kids I personally wouldn't bother. Or go with the smaller 20 year policy and keep saving so you will be self insured.
If you decide you want insurance calculate SS death benefits for your spouse and take that into account.
+1
by dogagility
Fri Sep 28, 2018 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Need some advice getting started at 34yo (updated 10/21/2018)
Replies: 20
Views: 3111

Re: Need some advice getting started at 34yo

Based on my comment above and original post, it would seem I'm desperate to pay more than I need to get my money invested but I am terrified I'll make a rookie mistake and lose my savings. You've dodged one rookie mistake by not going with EJ. Given your long investment time horizon, the other rook...
by dogagility
Tue Sep 25, 2018 5:21 am
Forum: Investing - Help with Personal Investments
Topic: Where to invest cash in IRA
Replies: 8
Views: 739

Re: Where to invest cash in IRA

I sold some Closed End Funds in my IRA and raised cash so I can follow the experts advice here and invest in index funds. My dilemma is, should i invest right away or wait for a correction? Is there a popular liquid ETF that you can recommend that I can sell in a hurry - a safe one like a short ter...
by dogagility
Tue Sep 25, 2018 5:08 am
Forum: Investing - Theory, News & General
Topic: US TSM returns since 2009
Replies: 19
Views: 1962

Re: US TSM returns since 2009

This is pretty stunning. I mean, we all know this and yet it looks so unreal it happened, and it has to revert back to the mean. What is the mean? Maybe we're at the mean now... https://i.postimg.cc/MK2tN5gP/siegel.png http://i57.tinypic.com/10oh1c6.png Maybe I'm wrong, but whenever I read threads ...
by dogagility
Sun Sep 16, 2018 7:52 am
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 152
Views: 11789

Re: Age in Bonds - Still Recommended?

I guess I'm the only one on this forum who doesn't care about AA. I keep 10 years worth of annual expenses in bonds, CDs, money market, and savings, and the rest is in stock regardless of the %. TravelforFun This is a classic example of "asking the right question first." Everyone analyzes the case ...
by dogagility
Sun Sep 16, 2018 7:26 am
Forum: Investing - Help with Personal Investments
Topic: Am I saving enough in kids 529 plan?
Replies: 10
Views: 1311

Re: Am I saving enough in kids 529 plan?

Am I saving enough for college in my kids 529 plans? I have two kids, one is 3 and the other is 10 weeks old. The 3 year old has $8,000 in her account and the 10 week old has $500. I am contributing $250 per month into each fund and throwing an additional $1,000 in each fund at the end of the year,...
by dogagility
Sat Sep 15, 2018 7:28 am
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 152
Views: 11789

Re: Age in Bonds - Still Recommended?

The real question is, when the next crash comes, will those who have tilted their AA heavy into equities still be left with more than those who were conservative the whole time and missed out on the bull market? +1... but I would tweak this a bit to: AFTER the next recovery who is left with more. R...
by dogagility
Fri Sep 14, 2018 5:23 am
Forum: Investing - Help with Personal Investments
Topic: Hypothetical Question - Market Timing
Replies: 43
Views: 2499

Re: Hypothetical Question - Market Timing

FWIW, I do think the market is going to take a pretty big hit in the next year or 2. That's why I'm hesitant to get in now. This is not certain at all... Shiller was on CNBC just a couple of weeks ago and said market could go up for another 3-4 years based on P/Es and what happened in the late 90s,...
by dogagility
Mon Sep 10, 2018 6:28 pm
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 19181

Re: Why Bull Markets Are Dangerous

jadd806, Okay. You believe that 100/0 expected return is better than 70/30. So, could you please tell us what are their expected returns? 100/0 versus 70/30? KlangFool Do you not think that 100/0 has a higher expected return than 70/30? That would be quite the statement. triceratop, You are a scien...
by dogagility
Mon Sep 10, 2018 5:51 am
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 19181

Re: Why Bull Markets Are Dangerous

I just linked one of the samples, there are others with larger time frames and larger data samples. But you do know this is a really well known concept about Fallacy of Time Diversification, I guess. It's an interesting topic. If risk is defined as the hazard of losing principle, one's exposure to ...
by dogagility
Sun Sep 09, 2018 8:33 pm
Forum: Investing - Theory, News & General
Topic: Why Bull Markets Are Dangerous
Replies: 152
Views: 19181

Re: Why Bull Markets Are Dangerous

once you go past the usual non-sense that risk==volatility and use the proper time horizon (the next generation, not hers) to think about it. If only it was true that risk is volatility. Fallacy of Time Diversification: https://www.slcg.com/pdf/practicenotes/Time_Diversification_-_September_30_2005...
by dogagility
Sat Sep 08, 2018 5:21 am
Forum: Investing - Help with Personal Investments
Topic: Millions to Invest at 30 - VTSAX, VTIAX, and VWIUX Lump Sum?
Replies: 9
Views: 3063

Re: Millions to Invest at 30 - VTSAX, VTIAX, and VWIUX Lump Sum?

The idea of a lump sum investment and the market crashing the next day is a bit scary. You've a long investing horizon to recover from any temporary loss of value. Time in the market beats timing the market for investment return. Therefore, you're more likely to achieve a higher return by lump summ...
by dogagility
Fri Sep 07, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: returns for the next decade
Replies: 40
Views: 4275

Re: returns for the next decade

For the decade, I'll place my bet on 6.8458%!! (+/-10%)
by dogagility
Fri Sep 07, 2018 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Max you should invest in a 529?
Replies: 181
Views: 10179

Re: Max you should invest in a 529?

GoldStar wrote:
Fri Sep 07, 2018 7:55 am
...not trying to pick on anyone - just a trying to add some humor into the thread on a Friday....
:sharebeer
Mission accomplished! :D
by dogagility
Fri Sep 07, 2018 6:07 am
Forum: Investing - Help with Personal Investments
Topic: Max you should invest in a 529?
Replies: 181
Views: 10179

Re: Max you should invest in a 529?

Besides the discussion regarding if one should or should not be using a 529 -- anyone else care to comment on how much they are investing yearly? Anyone contributing more than $10k / child per year? What is your goal amount at the time of high school graduation (in today's dollars)? My suggestion w...
by dogagility
Fri Sep 07, 2018 6:01 am
Forum: Investing - Help with Personal Investments
Topic: Max you should invest in a 529?
Replies: 181
Views: 10179

Re: Max you should invest in a 529?

SelfEmployed123 wrote:
Thu Sep 06, 2018 9:28 pm
The reason for the discrepancy is how the Feds calculate expected family contributions. 401k and IRA assets are not counted among family assets, but 529 assets are.
In your example, I can almost guarantee the federal "aid" will be in the form of a loan... maybe not even a subsidized loan.
by dogagility
Thu Sep 06, 2018 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8292

Re: Scaring the Old Folks

livesoft wrote:
Thu Sep 06, 2018 2:39 pm
I've had 6 restaurant-prepared meals just this week for $22.
You must eat like a mouse, livesoft! :P
by dogagility
Thu Sep 06, 2018 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Psychology of saving for college vs retirement
Replies: 66
Views: 4071

Re: Psychology of saving for college vs retirement

OP here. Thanks for all the replies to this thread. I hope it helps young parents who will read the comments crystalize their thought process regarding family finances/options/priorities. I chose something like option 2, as did many others. One kid just received her bachelors, and the second is a so...
by dogagility
Thu Sep 06, 2018 4:35 am
Forum: Investing - Help with Personal Investments
Topic: Psychology of saving for college vs retirement
Replies: 66
Views: 4071

Psychology of saving for college vs retirement

Fellow Bogleheads, I was going to reply to a concurrent thread on 529 savings but thought my long-winded post might be better placed in a new thread. During the retirement accumulation phase, there seems to be a strong preference by some Bogleheads and within the press to fill up your retirement buc...
by dogagility
Tue Sep 04, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Max you should invest in a 529?
Replies: 181
Views: 10179

Re: Max you should invest in a 529?

It seems like there's a sweet spot for income when getting aid and scholarships. It seems if your family income is under a $150K/year there's all kind of financial aid available. Might not be your first choice school but it's out there. Scholarships (merit aid) don't typically consider family wealt...
by dogagility
Tue Sep 04, 2018 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: Max you should invest in a 529?
Replies: 181
Views: 10179

Re: Max you should invest in a 529?

Some thoughts: 1) Most Bogleheads make too much money or have too many assets to receive any significant non-loan grant aid from a college (public or private), so the issue of 529 savings decreasing your aid is a non-issue for most of us. 2) College is expensive, especially if your kids attend a sle...
by dogagility
Mon Sep 03, 2018 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: What's wrong with putting most of my money into two stocks: Alphabet and Amazon?
Replies: 79
Views: 3302

Re: What's wrong with putting most of my money into two stocks: Alphabet and Amazon?

2. I've had some experience with Amazon as a customer and I realised that unlike other companies, that are interested in making a quick buck, Amazon is building for the long term future. They want to please you as a customer like nobody else does... So have I. Been a Prime member for many years now...
by dogagility
Thu Aug 30, 2018 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: 2018 August - Dollar Cost Averaging vs LumpSum of 420k
Replies: 39
Views: 2951

Re: 2018 August - Dollar Cost Averaging vs LumpSum of 420k

PFInterest wrote:
Thu Aug 30, 2018 8:42 pm
This is it. This marks the top!
"Twas fun while it lasted, PF!
by dogagility
Thu Aug 30, 2018 4:29 pm
Forum: Investing - Theory, News & General
Topic: Most commonly misused/misunderstood investing terms and concepts (on BH forum)
Replies: 220
Views: 11576

Re: Most commonly misused/misunderstood investing terms and concepts (on BH forum)

If I had to pick one, it would be the notion that stocks are less risky the longer an investor plans to hold them. For me, that one rises to the top because a lot of major financial decisions (e.g. portfolio composition) are often made solely because, or primarily because, one mistakenly believes t...
by dogagility
Thu Aug 30, 2018 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: 2018 August - Dollar Cost Averaging vs LumpSum of 420k
Replies: 39
Views: 2951

Re: 2018 August - Dollar Cost Averaging vs LumpSum of 420k

The worst thing is to sit on the sidelines without a plan.
Followed by DCAing in the money. :P
by dogagility
Wed Aug 29, 2018 5:48 am
Forum: Investing - Theory, News & General
Topic: Most commonly misused/misunderstood investing terms and concepts (on BH forum)
Replies: 220
Views: 11576

Re: Most commonly misused/misunderstood investing terms and concepts (on BH forum)

Risk equals volatility The entire financial industry, academics, BH forum members, and financial advisers all want to dumb down the concept of risk. Apparently it is accepted that risk equals volatility, and you should just know what everybody means when they use the term. On the other hand, every ...
by dogagility
Tue Aug 28, 2018 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: 2018 August - Dollar Cost Averaging vs LumpSum of 420k
Replies: 39
Views: 2951

Re: 2018 August - Dollar Cost Averaging vs LumpSum of 420k

You've a long time to invest this money. Lump sum it all in and forget about it.
by dogagility
Sun Aug 26, 2018 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Does it make sense to take some cash out now
Replies: 8
Views: 1214

Re: Does it make sense to take some cash out now

The market is once again at its peak. While I do not haver an immediate need for cash, does it make sense to take out a small amount of cash every once in a while. I do have money for 6 month expense already set aside. Thanks for your guidance in advance. What you asking about is classic market tim...
by dogagility
Fri Aug 24, 2018 5:07 am
Forum: Investing - Help with Personal Investments
Topic: Start With PAS and Graduate to DIY
Replies: 16
Views: 870

Re: Start With PAS and Graduate to DIY

3. Go DIY: Graduate out of the PAS in a year or two after I have experienced some market bumps and I am more brave... While I know you all say it is easy, my gut says that I need some hand holding and experience first (I might freak on a downturn...) Plan looks fine to me. I'll respond to your comm...
by dogagility
Fri Aug 24, 2018 3:13 am
Forum: Investing - Help with Personal Investments
Topic: Should I Go With Vanguard PAS After This Recommendation?
Replies: 28
Views: 2286

Re: Should I go with Vanguard PAS After This Recommendation?

JustWantToGetItRight wrote:
Thu Aug 23, 2018 11:44 pm
Can you do this? Invest using the Vanguard PAS and then switch out when more comfortable? Thank you so much
I've never used a financial advisor of any sort (just lots of reading), but this scenario is mentioned often in this forum. I believe you can opt out of Vanguard's PAS at any time.
by dogagility
Thu Aug 23, 2018 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Go With Vanguard PAS After This Recommendation?
Replies: 28
Views: 2286

Re: Should I go with Vanguard PAS After This Recommendation?

Looks fine to me, assuming your investing time line is north of 10 years. Just realize the stock market will lose significant value several times during your investing career and DON'T panic sell when this happens. I suggest you can do the investing without the 0.3% drag from the Vanguard PAS servic...
by dogagility
Thu Aug 23, 2018 5:48 am
Forum: Investing - Theory, News & General
Topic: 529 Withdrawal of Basis
Replies: 13
Views: 784

Re: 529 Withdrawal of Basis

The 10% penalty is also waived if the 529 funds are disbursed b/c the parent needed to use own funds in order to take advantage of AOTC. Perhaps I'm misunderstanding something, but is this true? Things I've read indicate a person can't disperse 529 money to pay for qualified educational expenses an...
by dogagility
Thu Aug 23, 2018 3:56 am
Forum: Investing - Help with Personal Investments
Topic: Am I Wrong for being 100% Equities ?
Replies: 62
Views: 5760

Re: Am I Wrong for being 100% Equities ?

In the eyes of many people, myself included, you've "won the game". Given that, why not take 5 years of cash needs in retirement off the table? You do not "need" to take the level of risk that a 100% stock portfolio entails. Good advice, in my opinion. OP, You seem to have a good grasp of equity ri...
by dogagility
Wed Aug 22, 2018 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: First Post: Looking for Advice for Accounts
Replies: 5
Views: 515

Re: First Post: Looking for Advice for Accounts

I do have an HSA through work where they will put in $500 as well. You're doing well, Poffra! Just an FYI, you don't have to spend the money invested in an HSA until much later in life. There are several great things about an HSA: the money invested is tax deductible, the money grows tax free until...
by dogagility
Wed Aug 22, 2018 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Already retired still need to plan
Replies: 21
Views: 1745

Re: Already retired still need to plan

SJM wrote:
Wed Aug 22, 2018 3:48 pm
A Fidelity Advisor recently suggested...
Are you paying this advisor an AUM (Assets Under Management fee)? This is something typically frowned upon on this forum, but can be beneficial in specific cases.
by dogagility
Wed Aug 22, 2018 5:00 am
Forum: Investing - Help with Personal Investments
Topic: First Post: Looking for Advice for Accounts
Replies: 5
Views: 515

Re: First Post: Looking for Advice for Accounts

Through my work: 1. I have a 401K where my employer matches $0.60 on the dollar up to 5%. I put the 5% in my 401K all pre tax. I also have a cash balance pension. Should my 401K be pre or post tax for my future? My investments in my 401K are allocated as follows: I have about $45,000 in my 401K 30%...
by dogagility
Mon Aug 20, 2018 5:17 pm
Forum: Investing - Theory, News & General
Topic: Are millennials botching their asset allocations?
Replies: 68
Views: 7697

Re: Are millennial botching their asset allocations?

I disagreed. 100/0 is not on the efficient frontier. I'm not convinced risk-adjusted return is an appropriate way to think about investing on a 30-40 year time horizon. I would suggest "risk" is not consequential with this timeline and will only serve to reduce return during the investment period. ...
by dogagility
Sun Aug 19, 2018 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation (College Graduate Edition)
Replies: 16
Views: 833

Re: Asset Allocation (College Graduate Edition)

I'm confident I wont touch my investments during a downturn but wont know until I experience one :mrgreen: Excellent. I suggest you determine your investment funds of choice, make your contributions as automatic as possible, and then forget about the money. This is the best way to not make an inves...
by dogagility
Sun Aug 19, 2018 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation (College Graduate Edition)
Replies: 16
Views: 833

Re: Asset Allocation (College Graduate Edition)

My current savings is as follows: -18.5k in 457b deferred comp (government worker, no 401k) -~8k cash -~5k in mandatory contributions to county pension (~400/month; will rollover to a tIRA once i leave this employer) Will put 5.5k of my savings account into ROTH IRA by April 2019 deadline and then ...
by dogagility
Sat Aug 18, 2018 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Advice Request: Considering removing advisor from IRA
Replies: 19
Views: 1949

Re: Advice Request: Considering removing advisor from IRA

SCHB - Schwab U.S. Broad Market ETF SCHF - Schwab International Equity ETF SCHZ - Schwab U.S. Aggregate Bond ETF Thoughts anyone? Agree this a great choice of funds. At the least, get your IRA money out of you "advisor's" account and into such a three-fund portfolio. Consider your entire retirement...
by dogagility
Sat Aug 18, 2018 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Advice Request: Considering removing advisor from IRA
Replies: 19
Views: 1949

Re: Advice Request: Considering removing advisor from IRA

SCHB - Schwab U.S. Broad Market ETF SCHF - Schwab International Equity ETF SCHZ - Schwab U.S. Aggregate Bond ETF Thoughts anyone? Agree this a great choice of funds. At the least, get your IRA money out of you "advisor's" account and into such a three-fund portfolio. I would also suggest a 60%/40% ...
by dogagility
Sat Aug 18, 2018 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Lump sum or DCA into Roth IRA (invested in target date fund)
Replies: 3
Views: 331

Re: Lump sum or DCA into Roth IRA (invested in target date fund)

Also, Im asking this question wanting respondents to take into consideration the current level of the markets, economic uncertainty, volatility... etc. Nobody can predict the what will happen to the stock market in the near term (a few years). You shouldn't let the current noise from financial "exp...
by dogagility
Thu Aug 16, 2018 4:53 am
Forum: Investing - Theory, News & General
Topic: Bullish/bearish on GE? Make your case here - new lows today
Replies: 63
Views: 5630

Re: Bullish/bearish on GE? Make your case here - new lows today

AlohaJoe wrote:
Wed Aug 15, 2018 9:36 pm
tmcc wrote:
Wed Aug 15, 2018 12:15 pm
GE is doing decade lows today. I bought $2000 worth at 12.xx today .
[...]
I don't really know anything about the company other than that I buy their light bulbs and they made my oven.
And people are worried that indexing is going to take over the world and ruin capitalism.....
:sharebeer