Search found 843 matches

by dogagility
Wed Jul 01, 2020 9:42 pm
Forum: Personal Investments
Topic: What is the best investment to have for 50 years?
Replies: 16
Views: 1512

Re: What is the best investment to have for 50 years?

100% stock index fund. World index sounds about right to me.
by dogagility
Fri Jun 19, 2020 2:54 pm
Forum: Personal Investments
Topic: Susie Orman Says You are Crazy to be Investing in Bonds
Replies: 173
Views: 17221

Re: Susie Orman Says You are Crazy to be Investing in Bonds

OP, Year to date: VTSAX (Total Stock Market Index Fund) = -5.56% VBIAX (Balanced Index Fund 60% stock and 40% bond) = -0.70% VBTLX (Total Bond Index Fund) = 5.6% So, 60/40 beats 100% stock by about 5%. Why do you hate making more money by holding the 40% bond? KlangFool You're cherry-picking data a...
by dogagility
Fri Jun 19, 2020 2:00 pm
Forum: Investing - Theory, News & General
Topic: "Is this time different?"
Replies: 77
Views: 5591

Re: "Is this time different?"

this is the first pandemic we’ve had in over 100 years. It’s not. Asian flu 1957 killed 116,000 Americans and Hong Kong flu 1968 killed approx 100,000 Americans according to the CDC. Exactly. And don't forget, the US population in 1957 was about half the size of today. 1968 about 60% the size of to...
by dogagility
Thu Jun 18, 2020 7:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 6385
Views: 539644

Re: U.S. stocks continue to soar!

Robot Monster wrote:
Thu Jun 18, 2020 12:23 pm
You could have used that same exact argument for the Japanese stock market pre-1990.
I could, but I won't because this thread isn't about the Japanese stock market. :beer
by dogagility
Thu Jun 18, 2020 11:45 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 6385
Views: 539644

Re: U.S. stocks continue to soar!

There's a graph of corporate earnings and stock prices I'd really like y'all to see, but don't know how to display it here since the image is from Twitter, but here's the link... https://twitter.com/lisaabramowicz1/status/1273612684672598017?s=19 As a long-term investor, the graph I find more usefu...
by dogagility
Wed Jun 17, 2020 7:09 pm
Forum: Personal Investments
Topic: Different AA for different timeframes?
Replies: 11
Views: 577

Re: Different AA for different timeframes?

Yes. I may tap a 401K in a couple of years using the Rule of 55. This AA is more conservative than the remainder of my retirement portfolio.
by dogagility
Wed Jun 17, 2020 5:25 am
Forum: Personal Investments
Topic: fidelity to merill edge
Replies: 10
Views: 845

Re: fidelity to merill edge

No large difference. However, if you qualify for platinum preferred reward status, the BoA credit card has a cash back bonus a bit larger than the Fidelity card.
by dogagility
Sun Jun 14, 2020 4:11 pm
Forum: Personal Investments
Topic: 529 investment options for son going to college
Replies: 13
Views: 762

Re: 529 investment options for son going to college

If you want to be "aggressive", 20 - 30% in stocks is reasonable. The remainder in bonds.

75% in bonds, 25% in "safe" investments (no potential for loss) is also reasonable.

YMMV
by dogagility
Sun Jun 14, 2020 11:05 am
Forum: Investing - Theory, News & General
Topic: Fidelity HSA - new exclusive "Health Savings" funds
Replies: 31
Views: 2445

Re: Fidelity HSA - new exclusive "Health Savings" funds

We are Bogleheads who keep our Fidelity HSA in a money market with no regrets. Do you spend it all? Or you mean you just let the unspent funds sit in essentially a 0% interest settlement fund. Yes, we are spending it on healthcare. We can no longer add to it. I will speculate that 1) you are older ...
by dogagility
Sun Jun 14, 2020 11:00 am
Forum: Investing - Theory, News & General
Topic: Fidelity HSA - new exclusive "Health Savings" funds
Replies: 31
Views: 2445

Re: Fidelity HSA - new exclusive "Health Savings" funds

No interest whatsoever.

For the Boglehead DIYer, why pay the 0.17% expense ratio when I can have near zero expense cost by investing in FXNAX and FZROX?
by dogagility
Sat Jun 13, 2020 7:41 pm
Forum: Personal Investments
Topic: Critique on AA
Replies: 50
Views: 2412

Re: Critique on AA

Looks fine to me. Enjoy the ride!
by dogagility
Fri Jun 12, 2020 4:55 pm
Forum: Personal Investments
Topic: Thoughts on today's sell-off?
Replies: 194
Views: 16116

Re: The Long View

Taylor Larimore wrote:
Fri Jun 12, 2020 4:27 pm
I have given most of my savings away in anticipation of my death.
You're a good man, Taylor. :beer
by dogagility
Fri Jun 12, 2020 10:49 am
Forum: Personal Investments
Topic: Sell company stock and use to fund Roth IRA?
Replies: 10
Views: 473

Re: Sell company stock and use to fund Roth IRA?

My thinking has always been at least that stock vests and serves as a cash reserve in case they don't keep me around. Perhaps the company doesn't keep you around because the company is not performing. In that case, your stock value has decreased, and you've lost your job. This is what is meant by "...
by dogagility
Fri Jun 12, 2020 10:41 am
Forum: Personal Investments
Topic: What to do with a lump sum right now?
Replies: 11
Views: 887

Re: What to do with a lump sum right now?

dbr wrote:
Fri Jun 12, 2020 9:40 am
I am convinced that anxiety over investing a large sum of money lies in uncertainty about one's asset allocation. If a person is confident in one's planned asset allocation it would be irrational not to immediately place the money where it is intended.
+1000
by dogagility
Thu Jun 11, 2020 12:36 pm
Forum: Personal Investments
Topic: Thoughts on today's sell-off?
Replies: 194
Views: 16116

Re: Thoughts on today's sell-off?

I have no thoughts on today's sell-off. I don't know and I don't care. It doesn't matter to me, because I have no plan to act on it. Furthermore, I don't believe financial reporters, or the people who talk to them, know, either. This. Nisiprius always boils it down to the essentials and, in doing s...
by dogagility
Wed Jun 10, 2020 6:11 pm
Forum: Investing - Theory, News & General
Topic: New to the market, I only know bull...
Replies: 40
Views: 2282

Re: New to the market, I only know bull...

neverpanic wrote:
Wed Jun 10, 2020 6:06 pm
Ferdinand2014 wrote:
Wed Jun 10, 2020 5:48 pm
You have the illusion of control over the market. That is a sure way to fail.
I'm not sure what you mean.
He means this: you think you can predict the immediate or near-term stock market return. That you are smarter than the average investor. :greedy

I agree with Ferdinand.
by dogagility
Wed Jun 10, 2020 5:56 pm
Forum: Personal Investments
Topic: Is my thinking out of line with NOT funding a 529?
Replies: 41
Views: 3018

Re: Is my thinking out of line with NOT funding a 529?

I know of a couple who are sending 2 kids to the same “prestigious” college for marketless 4 year degrees and I think it is about $25k/year per kid..at the same time. Oh, young buck. :wink: 25K/year is for an in-state flagship. 15-20K/year for a directional flagship. 5K for community college and li...
by dogagility
Wed Jun 10, 2020 4:01 pm
Forum: Personal Investments
Topic: Is my thinking out of line with NOT funding a 529?
Replies: 41
Views: 3018

Re: Is my thinking out of line with NOT funding a 529?

We use 529 plans and cash flow. For us, cash flow mean: Pay $4,000 and IMMEDIATELY get a tax credit of $2,500. IRS Publication 970 has the details. Was unaware of this...certainly helps shape a decision. Thanks. Took me a while to wrap my head around fully funding my HSA and also 401k (no match) gi...
by dogagility
Wed Jun 10, 2020 6:17 am
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 382
Views: 48534

Re: How Bad was 2008, really?

Humans are innovative; the markets will recover.

How you invest your money depends upon your timeline for needing to spend the money and your psychology.
by dogagility
Wed Jun 10, 2020 6:01 am
Forum: Personal Investments
Topic: Is my thinking out of line with NOT funding a 529?
Replies: 41
Views: 3018

Re: Is my thinking out of line with NOT funding a 529?

Carguy85 wrote:
Tue Jun 09, 2020 9:53 pm
Would also incur a 10% penalty withdrawing for non approved expenses
True, but the penalty is only applied to the growth (not the contributions).
by dogagility
Wed Jun 10, 2020 5:58 am
Forum: Personal Investments
Topic: Is my thinking out of line with NOT funding a 529?
Replies: 41
Views: 3018

Re: Is my thinking out of line with NOT funding a 529?

In your case, fully fund your tax advantaged retirement accounts first. As for college, my megacorp employer wouldn't hire your kids without at least a bachelors degree for anything but menial jobs. Not saying your kids need a college degree to be happy or have a great career... but limits will defi...
by dogagility
Tue Jun 09, 2020 4:35 pm
Forum: Personal Investments
Topic: investment priority recommendations - what do we fund next?
Replies: 38
Views: 1261

Re: investment priority recommendations - what do we fund next?

I would do 5 and 6 before putting a penny into 4. Some states give a sizeable tax credit (e.g. Indiana gives 20% of the first 5K). If this is the case for the OP and the plan is fund the kiddo's college education, I am not against doing 4 before 5 and 6. But... OP needs to run the numbers. Tax adva...
by dogagility
Tue Jun 09, 2020 6:10 am
Forum: Investing - Theory, News & General
Topic: New to the market, I only know bull...
Replies: 40
Views: 2282

Re: New to the market, I only know bull...

You will get burned over the long term timing the market.
by dogagility
Tue Jun 09, 2020 5:47 am
Forum: Investing - Theory, News & General
Topic: You have a second chance to reduce your stock holdIng
Replies: 92
Views: 8549

Re: You have a second chance to reduce your stock holdIng

TechGuy365 wrote:
Mon Jun 08, 2020 8:12 pm
The lesson for me is more like - the market always comes back over time, so stick with the AA that's right for you. It can be 100/0, 0/100 or somewhere in between.
That's a good lesson: know the market's history and internalize it.
by dogagility
Tue Jun 09, 2020 5:44 am
Forum: Investing - Theory, News & General
Topic: You have a second chance to reduce your stock holdIng
Replies: 92
Views: 8549

Re: You have a second chance to reduce your stock holdIng

This was my first recession as an investor, but I was not anxious, worried, or paralyzed by fear. When I started investing I considered the possibility that we could have another recession like 2008-2009, and I modeled how various asset allocations would perform. I settled on one that I thought I c...
by dogagility
Tue Jun 09, 2020 5:41 am
Forum: Personal Investments
Topic: Struggling with bonds in AA
Replies: 29
Views: 2900

Re: Struggling with bonds in AA

...so perhaps there are other tools and resources to mitigate this behavioral pitfall when things are at their worst. Here are my tools: - don't watch the news (fear sells and most news companies are for-profit) - in a downturn, don't read about the market (don't even read Bogleheads). Peek at your...
by dogagility
Tue Jun 09, 2020 5:25 am
Forum: Personal Investments
Topic: Advice about investing lump sum and some other questions about today's market
Replies: 7
Views: 609

Re: Advice about investing lump sum and some other questions about today's market

I still can't help but to feel we're in a special/untested part of the market Welcome to the forum, bean. Throughout the market's history, many people have thought the market was in a special, "this time it's different" state. The current time is not different. My advice is to psychologically detac...
by dogagility
Mon Jun 08, 2020 6:13 am
Forum: Investing - Theory, News & General
Topic: Markets back near all time highs - how are you feeling and path forward ?
Replies: 238
Views: 20668

Re: Markets back near all time highs - how are you feeling and path forward ?

I have and will keep investing aggressively. As a scientist looking at the health literature/data coming out the past few months, our life experience has been much ado about nothing. Somehow, the market has realized this. :beer
by dogagility
Mon Jun 08, 2020 6:05 am
Forum: Personal Investments
Topic: Change 529 AA?
Replies: 5
Views: 349

Re: Change 529 AA?

I am currently 100% equity in Utah 529. My kids are 6 and 8. My balance dropped quite a bit during this hiccup but i did not panic and have recovered everything. The balance for my 8 year old is about 41k. My goal is to have somewhere around 70-80k in there when college starts. My thought had been ...
by dogagility
Mon Jun 08, 2020 5:54 am
Forum: Personal Investments
Topic: Lump Sum Investment
Replies: 8
Views: 764

Re: Lump Sum Investment

westhillshammer wrote:
Sun Jun 07, 2020 8:30 pm
If I was to shop for a new advisor what should I look for.
One that invests your money in low cost index funds. One that charges a low fee. The only option that comes to mind is Vanguard's Personal Advisory Services (aka PAS).
by dogagility
Sun Jun 07, 2020 1:39 pm
Forum: Investing - Theory, News & General
Topic: Markets back near all time highs - how are you feeling and path forward ?
Replies: 238
Views: 20668

Re: Markets back near all time highs - how are you feeling and path forward ?

ilan1h wrote:
Sun Jun 07, 2020 12:54 pm
I'm curious if other people have had similar experiences.
Been investing for 25 years. Never had your experience and hope I never do.

Sounds like you have more than enough mulah, so :beer
by dogagility
Sun Jun 07, 2020 1:31 pm
Forum: Personal Investments
Topic: Investment suggestions
Replies: 14
Views: 1007

Re: Investment suggestions

Best of luck, neverpanic. For nearly all people (including professionals), investing in individual stocks doesn't beat index investing over the long term. I suspect you will also find this to be true for yourself. Your next question will be... then why do so many people do it? 1) greed; 2) high opin...
by dogagility
Sun Jun 07, 2020 6:51 am
Forum: Investing - Theory, News & General
Topic: Markets back near all time highs - how are you feeling and path forward ?
Replies: 238
Views: 20668

Re: Markets back near all time highs - how are you feeling and path forward ?

KlangFool wrote:
Sat Jun 06, 2020 1:45 pm
YTD, 60/40 is beating 100/0 by at least a 4% additional return.
Ah, the joys of cherry-picking data to try and make a point.
by dogagility
Sun Jun 07, 2020 6:48 am
Forum: Personal Investments
Topic: Investment suggestions
Replies: 14
Views: 1007

Re: Investment suggestions

What neverpanic is recommending in the previous two posts is not advocated by Bogleheads. A person is exposed to more market volatility (aka risk) by having a portfolio of a small number of individual stocks compared to investing in all of the companies within a market. People think they are smarter...
by dogagility
Fri Jun 05, 2020 10:46 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 6385
Views: 539644

Re: U.S. stocks continue to soar!

atdharris wrote:
Fri Jun 05, 2020 9:12 am
Sometimes I feel silly holding ~$50k in cash in savings making 1.15% when it appears like the market is the only place to put my money.
Market timing no worky. :twisted:
by dogagility
Fri Jun 05, 2020 7:03 am
Forum: Personal Investments
Topic: Started investing with lump sum at ATH / windfall coming in 2 weeks, lump sum again?
Replies: 32
Views: 2288

Re: Started investing with lump sum at ATH / windfall coming in 2 weeks, lump sum again?

My mind is telling me: buy as soon as possible. But sometimes I have a feeling that I live in a simulation and that this world isn't real. The markets are playing with me. If I invest it now, it will decline immediatly afterwards. If I invest it on July 1st, SP500 will be at a new ATH till then. No...
by dogagility
Fri Jun 05, 2020 6:51 am
Forum: Personal Investments
Topic: Selling 100% stocks on a bounce
Replies: 256
Views: 22038

Re: Selling 100% stocks on a bounce

I actually find threads like this so damn frustrating to read. "This time it's different". The mantra repeated in December 2018, 2008/2009, in the dot come burst, and every market before it. The frustrating thing is that people say it, then the boglehead-type investor (i.e. somebody who appreciates...
by dogagility
Fri Jun 05, 2020 6:32 am
Forum: Personal Finance (Not Investing)
Topic: I'm afraid to start spending more but is it's ok to do so?
Replies: 31
Views: 5248

Re: I'm afraid to start spending more but is it's ok to do so?

Bohemiana wrote:
Thu Jun 04, 2020 8:14 pm
I've read quite a bit about the benefits of at least one of us, taking SS at 62.
Hi, Here is a tool to help you determine an optimal SS withdrawal strategy. https://opensocialsecurity.com/
:beer
by dogagility
Thu Jun 04, 2020 3:47 pm
Forum: Personal Investments
Topic: DCA frequency
Replies: 24
Views: 1063

Re: DCA frequency

Scott S wrote:
Thu Jun 04, 2020 3:29 pm
dogagility wrote:
Thu Jun 04, 2020 3:23 pm
bhinvirginia wrote:
Thu Jun 04, 2020 11:20 am
Hi, if I have a lump sum to invest and want to DCA, what is the frequency you would recommend?
One time.
ASAP. :sharebeer
Right back at ya! :sharebeer
by dogagility
Thu Jun 04, 2020 3:23 pm
Forum: Personal Investments
Topic: DCA frequency
Replies: 24
Views: 1063

Re: DCA frequency

bhinvirginia wrote:
Thu Jun 04, 2020 11:20 am
Hi, if I have a lump sum to invest and want to DCA, what is the frequency you would recommend?
One time.
by dogagility
Thu Jun 04, 2020 11:04 am
Forum: Personal Investments
Topic: Selling 100% stocks on a bounce
Replies: 256
Views: 22038

Re: Selling 100% stocks on a bounce

This verbiage used by the OP and the subsequent market performance is a teaching moment for those with an asset allocation too stock heavy for their psychological tolerance for volatility.
by dogagility
Tue Jun 02, 2020 11:40 am
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 315
Views: 17252

Re: Why the heck is the market up?!?!

Here are 10 reasons to consider: 1. Stocks are on sale. 2. Investors think long term. 3. Investors ignore the news. 4. Investors understand that most of the money made in the market happens during the worst of times. 5. Investors know that no matter what is going on, there are great companies that ...
by dogagility
Wed May 27, 2020 6:18 pm
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 315
Views: 17252

Re: Why is the market soaring?

Because the cause of the downturn was a mistaken as as something to be feared but in reality was a non-event.
by dogagility
Wed May 27, 2020 5:53 am
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 94
Views: 8592

Re: Anyone screwed up timing the market?

Next time just dial up your rate of contributions and keep buying even if it hurts. No way you miss the bottom if you buy everyday. In my view, market timing is harmless if you use it to increase your rate of purchases but never sell. Where is this money coming from "to increase your rate of purcha...
by dogagility
Wed May 27, 2020 5:48 am
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 94
Views: 8592

Re: Anyone screwed up timing the market?

yangtui wrote:
Mon May 25, 2020 10:33 am
For the average investor, trying to capture alpha is like panning for gold in your local supermarket's runoff trench.
That... was... AWESOME! :sharebeer
by dogagility
Tue May 26, 2020 4:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 6385
Views: 539644

Re: U.S. stocks continue to soar!

cpan00b wrote:
Tue May 26, 2020 11:47 am
I stopped contributing any new money since March 2nd...
There's your problem. Keep investing money regularly, no matter what, through ups and downs. It will pay off in the end.
by dogagility
Tue May 26, 2020 4:05 pm
Forum: Investing - Theory, News & General
Topic: How to avoid tinkering?
Replies: 40
Views: 2165

Re: How to avoid tinkering?

What are yalls strategies to avoid tinkering? I'm going to lose my mind holding over the next 30 years. My strategy to avoid tinkering is knowledge. Knowledge of the market's history. Knowledge of the effect of market timing. Knowledge of the effect of asset allocation on portfolio volatility and p...
by dogagility
Tue May 26, 2020 4:00 pm
Forum: Personal Investments
Topic: Should I lump sum some money today?
Replies: 28
Views: 3112

Re: Should I lump sum some money today?

Yes, you should lump sum ALL of your money today. Yesterday would have been an even better day. Any day in the future will be a worse day.
:beer
by dogagility
Tue May 26, 2020 3:54 pm
Forum: Personal Investments
Topic: I want to break free .... from Raymond James
Replies: 14
Views: 896

Re: I want to break free .... from Raymond James

What would be ideal brokerage for no fee mutual funds? I mostly invest thru work (20-25%) but when I make some $ trading on my own I like to put in funds for the long term etc. The most popular Boglehead brokerages to choose from include Vanguard, Fidelity, and Schwab. See this wiki for the three f...