Search found 587 matches

by dogagility
Wed Nov 13, 2019 8:50 pm
Forum: Investing - Theory, News & General
Topic: Best Book for 20-something starting a career
Replies: 11
Views: 963

Re: Best Book for 20-something starting a career

How to Think About Money by Jonathan Clements. Easy read; applicable to the young adult; superb information; BH-approved practices espoused.
by dogagility
Wed Nov 13, 2019 5:48 pm
Forum: Personal Investments
Topic: Holding bonds vs 100% equities
Replies: 367
Views: 20840

Re: Holding bonds vs 100% equities

I wonder if the pro 100% stocks crowd would change their views if we have another great depression, with a 80% or more crash in the stock market, or a Japan like stock market that declines for many years. None of these outcomes seem likely due to the past 10 years of US stock performance. Personall...
by dogagility
Tue Nov 12, 2019 7:41 pm
Forum: Personal Investments
Topic: Holding bonds vs 100% equities
Replies: 367
Views: 20840

Re: Holding bonds vs 100% equities

A) I was 100/0. B) I believed that I had job security. C) Then, Telecom bust happened and my industry laid off 1+ million workers across 6 to 8 years. Some of my peers are permanently unemployed and/or under-employed since then. D) I capitulated and lost 50% of my life savings up to that movement. ...
by dogagility
Sun Nov 10, 2019 9:15 pm
Forum: Investing - Theory, News & General
Topic: If you were forced to pick an alternative asset...
Replies: 101
Views: 6010

Re: If you were forced to pick an alternative asset...

Random Musings wrote:
Sat Nov 09, 2019 9:39 pm
Velvet Undergound Albums
I'm waiting for my man. $26 in my hand.
by dogagility
Sun Nov 10, 2019 8:55 pm
Forum: Personal Investments
Topic: Holding bonds vs 100% equities
Replies: 367
Views: 20840

Re: Holding bonds vs 100% equities

I think the bottom line is: Stocks Are Risky. Whether you, as an individual investor, can handle the risk is a personal decision based not only your situation, but also your genetics. Couldn't have said it better. It is a personal decision. 100/0 and 70/30 (or some other allocation) are both reason...
by dogagility
Sun Nov 10, 2019 2:21 pm
Forum: Personal Investments
Topic: Holding bonds vs 100% equities
Replies: 367
Views: 20840

Re: Holding bonds vs 100% equities

i dont know and i dont care either way. the risk of 70/30, in my above example, was losing $100,000 in a 10 year period by investing 30% in bonds while accumulating and making regular contributions. no withdrawals were planned and none were needed. the investor who chooses to be $100,000 poorer aft...
by dogagility
Sun Nov 10, 2019 6:48 am
Forum: Personal Investments
Topic: Timing of bond downshifting before retirement (to reduce SOR risk)?
Replies: 5
Views: 650

Re: Timing of bond downshifting before retirement (to reduce SOR risk)?

This Kitces article may provide some help with timing a bond tent: https://www.kitces.com/blog/managing-portfolio-size-effect-with-bond-tent-in-retirement-red-zone/ Here's another Kitces article on the "upside" potential of SOR: https://www.kitces.com/blog/url-upside-potential-sequence-of-return-ris...
by dogagility
Sun Nov 10, 2019 6:03 am
Forum: Personal Investments
Topic: Asset allocation significance
Replies: 16
Views: 1562

Re: Asset allocation significance

Hi DebiT, Sorry for your loss. I think you will get more help if posted your financial situation in more detail using the Boglehead format: https://www.bogleheads.org/wiki/Asking_portfolio_questions. Doing this will help forum members provide advice on asset allocation, taxable vs non-taxable accoun...
by dogagility
Fri Nov 08, 2019 5:29 am
Forum: Personal Investments
Topic: Holding bonds vs 100% equities
Replies: 367
Views: 20840

Re: Holding bonds vs 100% equities

Average duration of unemployment from 1990 to 2018. Max is about 39 weeks. https://www.statista.com/statistics/217837/average-duration-of-unemployment-in-the-in-the-us/ This indicates 1 year of emergency fund is good enough and probability is low that one would need to tap into 100/0 or 90/10 ? I g...
by dogagility
Thu Nov 07, 2019 5:11 pm
Forum: Personal Investments
Topic: Holding bonds vs 100% equities
Replies: 367
Views: 20840

Re: Holding bonds vs 100% equities

Unless a person can predict his future, there is always a possibility that he may need to withdraw from his portfolio. And, the withdrawals may happened in a recession. Across 20 years that 100/0 needs, there will be many recessions. In the coming recession, this no withdrawal needed myth will be e...
by dogagility
Wed Nov 06, 2019 5:39 pm
Forum: Investing - Theory, News & General
Topic: The hidden cost of Fidelity’s ZERO funds
Replies: 66
Views: 5591

Re: The hidden cost of Fidelity’s ZERO funds

Only a short time frame, but what is the total return of FZROX vs VTSAX since inception of FZROX?
by dogagility
Wed Nov 06, 2019 6:16 am
Forum: Personal Investments
Topic: Holding bonds vs 100% equities
Replies: 367
Views: 20840

Re: Holding bonds vs 100% equities

Why does Vanguard Target Retirement 2040 Fund have 83.3/16.7 instead of 70/30 ? https://investor.vanguard.com/mutual-funds/profile/portfolio/vforx Marketing. In order to compete against other target retirement 2040 funds with higher equity allocation. KlangFool Right. That doesn't fit your dogmatic...
by dogagility
Tue Nov 05, 2019 10:05 pm
Forum: Personal Investments
Topic: Holding bonds vs 100% equities
Replies: 367
Views: 20840

Re: Holding bonds vs 100% equities

Why does Vanguard Target Retirement 2040 Fund have 83.3/16.7 instead of 70/30 ? https://investor.vanguard.com/mutual-funds/profile/portfolio/vforx Marketing. In order to compete against other target retirement 2040 funds with higher equity allocation. KlangFool Right. That doesn't fit your dogmatic...
by dogagility
Tue Nov 05, 2019 5:26 pm
Forum: Personal Investments
Topic: When to get in.
Replies: 21
Views: 2652

Re: When to get in.

Hello, new to sight but long term investor with Bogles Index funds. Just read the Three-Fund Potrfolio book and would like to make changes to my wife’s 401-k (as in sell all and invest in these three funds). Question is, markets high right now. Do I sell, hold in a money market account, then change...
by dogagility
Wed Oct 30, 2019 6:53 pm
Forum: Personal Investments
Topic: Holding bonds vs 100% equities
Replies: 367
Views: 20840

Re: Holding bonds vs 100% equities

I may be in the minority but I think if someone is just starting out and it is money that won't be touched for 30+ years, I don't see any point to bonds. Sure the drops are more severe but so are the gains. Now as you accumulate more money and get closer to retirement, most don't want to ride those...
by dogagility
Wed Oct 30, 2019 4:55 am
Forum: Personal Investments
Topic: Am I doing this right? Using a money manager...
Replies: 24
Views: 2309

Re: Am I doing this right? Using a money manager...

I'm very well diversified and he rebalances a few times a year. I did a performance comparison to my old target retirement fund. He outperformed it handily. Did he compare apples to apples (similar asset allocation) over a longish time frame (>2 years). I assume these funds are actively managed. If...
by dogagility
Mon Oct 28, 2019 9:17 am
Forum: Personal Investments
Topic: Do You Pay For Financial Advice?
Replies: 76
Views: 4311

Re: Do You Pay For Financial Advice?

No, never paid for financial advice. If I was prone to selling during market downturns due to psychological reasons, then I would consider using an advisor. When I become older, much older, I will consider an advisor. Hopefully, I will know when that becomes necessary and I will have enough money fo...
by dogagility
Sat Oct 26, 2019 9:11 am
Forum: Personal Investments
Topic: Paying for college
Replies: 12
Views: 1290

Re: Paying for college

-We are still wrapping our head around the Fafsa, and this is kind of a stupid question, but our estimated 'expected family contribution' (46k) is more than their tuition (instate). Good for us income wise I guess, but bad tuition assistance wise. What does that actually mean? Does it mean they can...
by dogagility
Wed Oct 23, 2019 5:32 am
Forum: Personal Investments
Topic: How much to hold in cash?
Replies: 54
Views: 8051

Re: How much to hold in cash?

Cash? My wallet is always empty except for plastic. I don't buy anything costing less than a dollar and use a credit card for all transactions. (Yeah, I don't buy girl scout cookies when walking to and from the supermarket either... I know... I'm a bad person. :happy ) Money market/checking (Fidelit...
by dogagility
Mon Oct 21, 2019 5:29 am
Forum: Personal Investments
Topic: High income earner waiting for a bear market to start investing
Replies: 119
Views: 12087

Re: High income earner waiting for a bear market to start investing

+1 to onourway's thoughts. Take a look at a log chart of historical stock market returns going back decades. I think you will find the current US stock market price is similar to other times in history. The problems with not investing now are you can't predict what the market will do in the next few...
by dogagility
Fri Oct 11, 2019 5:50 am
Forum: Investing - Theory, News & General
Topic: 529 and FIRE
Replies: 29
Views: 3204

Re: 529 and FIRE

Hi HW, College funding is an interesting topic for me, since I spent years obsessing over it. Two Ds now in college (one grad/one undergrad; both public flagship universities). We used/are using 529 money to pay for their education as well as 4K/year/kid out of pocket to take advantage of federal in...
by dogagility
Tue Oct 08, 2019 4:43 am
Forum: Personal Investments
Topic: Overfunding a 529 - weighing risk / reward
Replies: 18
Views: 1784

Re: Overfunding a 529 - weighing risk / reward

Any other ideas in trying to figure out the right amount to fund a 529? If your state provides an income tax deduction or better yet an income tax credit for contributions, this needs to be considered in the equation. We expected to fund our two daughters 529 at the full cost of attendance for a fl...
by dogagility
Wed Oct 02, 2019 5:09 am
Forum: Investing - Theory, News & General
Topic: maximum downturn
Replies: 16
Views: 2185

Re: maximum downturn

Here's another perspective on the Great Depression, examining the time to recovery of assets. https://www.nytimes.com/2009/04/26/your-money/stocks-and-bonds/26stra.html. "An investor who invested a lump sum in the average stock at the market’s 1929 high would have been back to a break-even by late 1...
by dogagility
Sun Sep 29, 2019 5:11 am
Forum: Investing - Theory, News & General
Topic: How much cash do you keep in your HSA?
Replies: 63
Views: 4803

Re: How much cash do you keep in your HSA?

We treat our HSA as a retirement account. Our budget allows us to max HSA contributions and cash flow all yearly medical expenses. The HSA is invested 100% in a total international equity index fund. We do this with the expectation of maximal returns and maximal tax savings at withdrawal, all within...
by dogagility
Sat Sep 28, 2019 6:23 am
Forum: Personal Investments
Topic: 401k Rollover, how badly did I mess this one up?
Replies: 16
Views: 956

Re: 401k Rollover, how badly did I mess this one up?

You didn't mess up. Assuming your investing time horizon is more than a few months, this will be but noise in the system.
by dogagility
Tue Sep 24, 2019 4:22 pm
Forum: Personal Investments
Topic: So, Wow [AA change after divorce]
Replies: 84
Views: 10894

Re: So, Wow [AA change after divorce]

I would also not be adjusting my asset allocation unless your risk tolerance has really changed. Do you really need to take the additional risk? BTW, how secure is your job? What would happen in the next recession? Can you lose the job and not be able to afford any of this because 70% of your equit...
by dogagility
Tue Sep 24, 2019 4:20 pm
Forum: Personal Investments
Topic: So, Wow [AA change after divorce]
Replies: 84
Views: 10894

Re: So, Wow

For what it is worth: I am almost there (just a year shy of age 50), and my allocation is set to 70:30, and I plan to be at this target allocation for at least a decade more. Yes. Asset allocation is personal; there is no reason to think you couldn't be 70:30 if that fits your situation. I'm early ...
by dogagility
Sun Sep 22, 2019 7:48 am
Forum: Personal Investments
Topic: Currently invested in 100% stock
Replies: 130
Views: 13917

Re: Currently invested in 100% stock

Agree with the others; it's fine to be 100% stock at your age (in addition to your emergency fund). There are two considerations for this allocation. Psychological... are you willing to stay the course in the face of a large market decline? Life resiliency... would you need to tap this money if you ...
by dogagility
Sat Sep 21, 2019 4:05 am
Forum: Personal Investments
Topic: Fidelity HSA will now offer (as of 10/25/19) Fidelity Money Market for core position
Replies: 7
Views: 1336

Re: Fidelity HSA will now offer (as of 10/25/19) Fidelity Money Market for core position

mervinj7 wrote:
Fri Sep 20, 2019 1:44 pm
Is there an official announcement?
Yes. Fidelity is sending letters to HSA account holders. I received one yesterday.
by dogagility
Thu Sep 19, 2019 5:39 am
Forum: Personal Investments
Topic: 1Mil$ Dollar-Cost Averaging is a strategy
Replies: 48
Views: 2821

Re: 1Mil$ Dollar-Cost Averaging is a strategy

Jack FFR1846 wrote:
Wed Sep 18, 2019 9:22 am
I would DCA the entire amount in the span of one day.
+1
Combines the comfort of DCAing with the benefits of lump summing.
by dogagility
Tue Sep 17, 2019 4:37 pm
Forum: Personal Investments
Topic: 529: Should account be under parent name or student's?
Replies: 12
Views: 1073

Re: 529: Should account be under parent name or student's?

I have read something (can't find it at the moment) where it was suggested that a 529 plan be under the parent's name vs the student's due to the way FAFSA handles assets. Currently, I have a 529 plan set with myself (parent) as the owner, but my son as the beneficiary. Is this the best way to do i...
by dogagility
Sun Sep 15, 2019 5:36 am
Forum: Investing - Theory, News & General
Topic: The best portfolios when the going gets rough
Replies: 72
Views: 6607

Re: The best portfolios when the going gets rough

Taylor Larimore wrote:
Sat Sep 14, 2019 1:23 pm
Bogleheads:
Fidelity Magellan fund manager, Peter Lynch, once said: “Far more money has been lost by investors preparing for corrections than has been lost in corrections themselves.”
Thank you, Taylor, for that succinct and spot on response.
by dogagility
Sun Sep 15, 2019 5:21 am
Forum: Personal Investments
Topic: Can’t pull the trigger
Replies: 15
Views: 2793

Re: Can’t pull the trigger

Boatguy wrote:
Sat Sep 14, 2019 7:31 pm
Should I just go for it?
Yes. If you can't just go for it, then change your overall asset allocation and go for it.
by dogagility
Sat Sep 14, 2019 5:14 am
Forum: Investing - Theory, News & General
Topic: "Retirement Risk Solutions"
Replies: 34
Views: 2360

Re: "Retirement Risk Solutions"

What about fear of the unknown? What about "fear" in general? Sure, it's good to know about the risks involved in any decision. However, many people are not risk literate and make poor decisions by failing to accurately quantify risk. Seeing this list of risks might make some people shiver, freeze ...
by dogagility
Sat Sep 14, 2019 4:51 am
Forum: Personal Investments
Topic: Where should we cut back saving/investing?
Replies: 58
Views: 6486

Re: Where should we cut back saving/investing?

Totally get this advice and I will consider it going forward. One important point is that although we've only been contributing for 8 months or so, we did kick off the 529 account with a $10,000 lump sum contribution. Forgive me if I haven't completely internalized your financial situation, but her...
by dogagility
Fri Sep 13, 2019 4:58 am
Forum: Personal Investments
Topic: Need Help with Efficient Investing + Excess Cash!
Replies: 8
Views: 1169

Re: Need Help with Efficient Investing + Excess Cash!

My pre-tax retirement accounts, which currently have a balance of about $225K, are very aggressive with nearly 100% in the Vanguard S&P 500 index fund (VFIAX). The Roth accounts stand at about $60K and are also nearly 100% in VFIAX. I realize that this is over-weighted in equities, however my thoug...
by dogagility
Fri Sep 13, 2019 4:43 am
Forum: Personal Investments
Topic: Could I use Fidelity brokerage account instead of its checking account?
Replies: 7
Views: 1112

Re: Could I use Fidelity brokerage account instead of its checking account?

alpenglow wrote:
Wed Sep 11, 2019 11:11 am
The CMA is a brokerage account, though they don't exactly advertise it that way. You can put your cash in SPRXX in the CMA for a higher yield. It will auto-liquidate to cover debits.
+1 This is what we do. Funds don't automatically deposit into SPRXX but are automatically liquidated.
by dogagility
Thu Sep 12, 2019 5:44 pm
Forum: Personal Investments
Topic: Too Late To Get Back Into Stocks?
Replies: 115
Views: 9882

Re: Too Late To Get Back Into Stocks?

I'm hoping for DOW 20K and S&P 2K so I can buy lower... I enjoy the volatility and bought a bunch down at 26K and I've scaled back buying again since we are nearing an all time high again.. I assume I'll get in lower in the future with the volatility. get in and stay in, adjust you AA as you need t...
by dogagility
Thu Sep 12, 2019 4:46 pm
Forum: Personal Investments
Topic: Too Late To Get Back Into Stocks?
Replies: 115
Views: 9882

Re: Too Late To Get Back Into Stocks?

I'm hoping for DOW 20K and S&P 2K so I can buy lower... I enjoy the volatility and bought a bunch down at 26K and I've scaled back buying again since we are nearing an all time high again.. I assume I'll get in lower in the future with the volatility. get in and stay in, adjust you AA as you need t...
by dogagility
Wed Sep 11, 2019 8:04 pm
Forum: Personal Investments
Topic: Too Late To Get Back Into Stocks?
Replies: 115
Views: 9882

Re: Too Late To Get Back Into Stocks?

In absolute dollars, it'd be very hard for me to passively watch a 10%-25% drop of my stock portfolio. Why? Seriously... Why? This happens regularly with equity index funds. And then indexes recover and reach new highs. It's happened throughout history. You really need to decouple the news and your...
by dogagility
Tue Sep 10, 2019 4:47 am
Forum: Personal Investments
Topic: DINK Couple in late 30's Portfolio Advice
Replies: 7
Views: 2263

Re: DINK Couple in late 30's Portfolio Advice

Welcome,
My two (modest) cents. I also suggest investing in an HSA (if available) and then paying health care expenses out of pocket. See: https://www.bogleheads.org/wiki/Priorit ... nvestments

Since you're at Fidelity, I would recommend their 2% cash back credit card.
by dogagility
Sun Sep 08, 2019 5:32 am
Forum: Investing - Theory, News & General
Topic: Rethinking the role of bonds in AA
Replies: 28
Views: 3982

Re: Rethinking the role of bonds in AA

Too much "thinking" and "feeling". Nobody knows nothing. You can't "think" or "feel" enough to figure out the "markets". Re-read the Boglehead 10 principles. Pick your mix of stocks, bonds, fixed, cash based on your risk/needs. Get to that. Save more. Couldn't agree more. Take psychology out of you...
by dogagility
Sun Sep 08, 2019 5:27 am
Forum: Investing - Theory, News & General
Topic: Market Outlook
Replies: 12
Views: 1546

Re: Market Outlook

Do you guys look positively during bear markets and think of it as opportunity to purchase at a bargain rate? It's always a good time to invest, and I remain fully invested at all times. I lump sum each paycheck into my chosen asset allocation. Then, rebalance as needed based upon market fluctuatio...
by dogagility
Sun Sep 08, 2019 4:55 am
Forum: Personal Investments
Topic: Help with moms CD ladder/ira CD setup, check my logic please
Replies: 8
Views: 1098

Re: Help with moms CD ladder/ira CD setup, check my logic please

5 year CD term is the traditional purchase choice. Right now the yield is low, but that is just market force at work. I would not necessarily shy away from replacing a missing rung. Have you checked out Fidelity's Freedom Index 2005 fund? This is a conservative target date fund. If your mom has onl...
by dogagility
Wed Sep 04, 2019 6:40 pm
Forum: Investing - Theory, News & General
Topic: this time it's different
Replies: 92
Views: 10699

Re: this time it's different

owenmia wrote:
Tue Aug 13, 2019 6:16 pm
I can tell you this. Things are getting worse and worse. If things go as most experts say they will, we would be better off investing outside the stock market.
You can tell me this... but I won't believe you.
by dogagility
Wed Sep 04, 2019 5:40 am
Forum: Investing - Theory, News & General
Topic: Fidelity: When Zero does not mean free
Replies: 108
Views: 11372

Re: Fidelity: When Zero does not mean free

But back to chicken. Applebees (at least at one time) had among the best chicken wings out there. They were big meaty portions, prepared on par with Buffalo Wild Wings with excellent sauces and handily trouncing wing concepts like WingStop (years ago (pre 2008)one of my clients paid me to take a pa...
by dogagility
Wed Sep 04, 2019 4:56 am
Forum: Investing - Theory, News & General
Topic: Investing education
Replies: 14
Views: 981

Re: Investing education

rossington wrote:
Wed Sep 04, 2019 4:10 am
Tahoe wrote:
Wed Sep 04, 2019 2:11 am
Can anyone recommend an online investment educational program?
You have arrived at your desired destination.
Right. Start here: https://www.bogleheads.org/wiki/Getting_started
by dogagility
Mon Sep 02, 2019 1:59 pm
Forum: Personal Investments
Topic: Young people with good earnings and still want to work do 100 equities
Replies: 44
Views: 4734

Re: Young people with good earnings and still want to work do 100 equities

Prettyfrtnt wrote:
Thu Aug 29, 2019 11:00 pm
So what’s your approach? For the bad times?
Stay the course. Don't listen to the financial talking heads.
by dogagility
Mon Sep 02, 2019 1:58 pm
Forum: Personal Investments
Topic: Young people with good earnings and still want to work do 100 equities
Replies: 44
Views: 4734

Re: Young people with good earnings and still want to work do 100 equities

Anyone just push all in on VTI or VOO? And sit back and BH relax and see what there is in there in 30 years?? Yes. That was my wife and I until a couple of years ago (nearing retirement hopefully). Happy to have been 100% stock. Some advice. Act like you're dead to the financial world: tune out the...
by dogagility
Mon Sep 02, 2019 7:09 am
Forum: Personal Investments
Topic: Learnings/Regrets from last two recessions
Replies: 91
Views: 12485

Re: Learnings/Regrets from last two recessions

1789 wrote:
Sun Sep 01, 2019 10:19 pm
I think it is very hard to see one’s real risk tolerance until actually experiencing “the real recession”. And i am one if those waiting to see how i will go thru that experience :beer
Knowledge brings peace. You're on the right track. :beer