Search found 473 matches

by dogagility
Fri Jul 19, 2019 7:31 pm
Forum: Personal Investments
Topic: Are funds with a load really that bad?
Replies: 21
Views: 1195

Re: Are funds with a load really that bad?

Yes... that bad.
by dogagility
Fri Jul 19, 2019 1:31 pm
Forum: Personal Investments
Topic: Bad time to enter the market?
Replies: 40
Views: 3771

Re: Bad time to enter the market?

JPH wrote:
Fri Jul 19, 2019 1:05 pm
Bad time to enter the market? Or is it a bad time not to enter the market? Nobody knows.
IMO, it's always a good time to enter the market. :twisted:
by dogagility
Thu Jul 18, 2019 4:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1317
Views: 124831

Re: U.S. stocks continue to soar!

I really do like making money while on vacation. Go baby, go!
by dogagility
Thu Jul 18, 2019 4:21 pm
Forum: Investing - Theory, News & General
Topic: [Merrill Lynch charges high fees]
Replies: 43
Views: 4071

Re: [Merrill Lynch charges high fees]

Anyways, we changed the account today to per-transaction based fees. I'm probably going to go a step further and transfer everything in it to a Merrill Edge account. Good idea. I would go a step further as well, if your family wants to stay with Merrill. Open a Bank of America checking account and ...
by dogagility
Thu Jul 18, 2019 4:19 pm
Forum: Investing - Theory, News & General
Topic: Total Stock (US and Intl): Fidelity ZERO vs Vanguard
Replies: 39
Views: 2659

Re: Zero expense ratio funds

The question that dominates most of these threads is "shouldn't I be swapping out my already-low-ER fund for the zero funds?". You will find numerous responses that say "this is real money - X bps saved over 30 years is $Y!". The reality, as you note, is far more nuanced than that. They track diffe...
by dogagility
Thu Jul 18, 2019 4:03 pm
Forum: Investing - Theory, News & General
Topic: [Merrill Lynch charges high fees]
Replies: 43
Views: 4071

Re: [Merrill Lynch charges high fees]

Anyways, we changed the account today to per-transaction based fees. I'm probably going to go a step further and transfer everything in it to a Merrill Edge account. Good idea. I would go a step further as well, if your family wants to stay with Merrill. Open a Bank of America checking account and ...
by dogagility
Wed Jul 17, 2019 8:41 am
Forum: Personal Investments
Topic: New to investing at 35, Portfolio check please?
Replies: 14
Views: 2135

Re: New to investing at 35, Portfolio check please?

5. Is it OK to be 100% stock at this age? I've read pros sand cons for being 100% stock on this blog. And pros and cons for having bonds. And pros and cons for having an international fund. I was 100% in stock for decades, until I got within a few years of retirement. In retrospect I probably shoul...
by dogagility
Tue Jul 16, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: College cost prediction and savings for 5, 3, and newborn
Replies: 101
Views: 5055

Re: College cost prediction and savings for 5, 3, and newborn

I have a 5 and 3 year old with newborn coming. I have started 529 for them all and live in a favorable state for that investment vehicle (Indiana). The question is: how do you accurately predict the cost of college education? I don't want to overfund the 529 (I don't think, but might not be bad ide...
by dogagility
Wed Jul 10, 2019 5:46 am
Forum: Investing - Theory, News & General
Topic: POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE
Replies: 38
Views: 3038

Re: POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE

In the investing world, risk is often equated with volatility. However, short-term volatility may not be a good measure of risk for many investors. Some people bring "black swan" events into the risk discussion. How would you define risk for the long-term investor, and how should the long-term inves...
by dogagility
Tue Jul 09, 2019 4:45 pm
Forum: Personal Investments
Topic: Help - Talk to me like I'm 4 y/o please
Replies: 90
Views: 7913

Re: Help - Talk to me like I'm 4 y/o please

2. She actually refers a lot of clients to me so it's a bit complicated... just sharing that. It's not enough business that it's worth it for me to sacrifice my wealth-building however. I'm a bit concerned about this part of things. You're in a position to judge, but sometimes people can be more im...
by dogagility
Mon Jul 08, 2019 7:44 pm
Forum: Personal Investments
Topic: Asset Allocation
Replies: 3
Views: 618

Re: Asset Allocation

Looking to retire in 2020. I'll be 62. Will have very little debt if any. Will have a small pension of 1000.00 a month and plan on taking ss which should be around 1750.00 a month. Currently have around 750k split in two different 401ks. Are your planning on taking ss at age 62? If so, I would cons...
by dogagility
Mon Jul 08, 2019 7:34 pm
Forum: Personal Investments
Topic: Help - Talk to me like I'm 4 y/o please
Replies: 90
Views: 7913

Re: Help - Talk to me like I'm 4 y/o please

Welcome to the forum! QUESTIONS : 1. I have a meeting with the advisor coming up on July 23rd. ARM ME WITH INFORMATION!! Bestow your amazing knowledge on me please! Why is this not good for me? What will she try to tell me to convince me it is what's best and what's my response? I've read Guide to I...
by dogagility
Mon Jul 08, 2019 6:40 pm
Forum: Personal Investments
Topic: Anyone itching to dabble in crypto?
Replies: 46
Views: 2792

Re: Anyone itching to dabble in crypto?

No. I'm itching to invest my money, not speculate.
by dogagility
Mon Jul 08, 2019 4:27 pm
Forum: Personal Investments
Topic: Should i sell
Replies: 7
Views: 1189

Re: Should i sell

No... i mean maybe... I mean yes... I mean, I don't know :D
by dogagility
Mon Jul 08, 2019 5:37 am
Forum: Personal Investments
Topic: Where to invest new cash at this time of all time high market
Replies: 24
Views: 2684

Re: Where to invest new cash at this time of all time high market

I just received around 250K due to a stock vesting and not sure if this is the right time to put that money in the market as the market is so high. I got it, this is timing the market but the market seems very very high based upon recent news. My asset allocation for my current assets is 70 Stock a...
by dogagility
Mon Jul 08, 2019 5:30 am
Forum: Personal Investments
Topic: Is my Asset Allocation too complicated and sub-optimal ??
Replies: 13
Views: 991

Re: Is my Asset Allocation too complicated and sub-optimal ??

I also did a backtest of my portfolio vs VTSAX and VTIAX at 50/50, since my portfolio is also 50/50 US/Intl. Mine does slightly better than the simple portfolio. But the S&P 500 beats both hands down. So really the question for me is more about the mix of US vs international than about fewer funds....
by dogagility
Sun Jul 07, 2019 7:45 am
Forum: Personal Investments
Topic: If I want to time the market
Replies: 59
Views: 2475

Re: If I want to time the market

Anyone remember this (terrible) song: "Feelings, nothing more than feelings,... Feelings, for all my life I'll feel it,... Feelings, wo-o-o feelings..." That's the song that (unfortunately) comes to my mind when I see posts about market timing. All psychology and no substance to the process. Which i...
by dogagility
Sat Jul 06, 2019 6:11 pm
Forum: Personal Investments
Topic: Moving from Vanguard to Merrill Edge
Replies: 107
Views: 12720

Re: Moving from Vanguard to Merrill Edge

jimmyg wrote:
Sat Jul 06, 2019 3:58 pm
I just qualified to enroll in (Platinum Honors) Preferred Rewards--exactly three months after opening my BofA checking account.
+1
by dogagility
Sat Jul 06, 2019 10:54 am
Forum: Personal Investments
Topic: My Fidelity 529 Fund Performance
Replies: 9
Views: 1028

Re: My Fidelity 529 Fund Performance

My MA Aggressive Growth fund is : 16.87% YTD 6.31% 1 Year 11.77% 3 Year 7.6% 5 Year 9.02% 10 Year I put in same amount of money every month from 2003. No additional investment in the middle. Are you invested in MA Aggressive Growth Portfolio (Fidelity Index) with ER of 0.13% or MA Aggressive Growth...
by dogagility
Fri Jul 05, 2019 8:07 pm
Forum: Personal Investments
Topic: My Fidelity 529 Fund Performance
Replies: 9
Views: 1028

Re: My Fidelity 529 Fund Performance

Now that I need to take money out of my 529 Plan, I am surprised at the return my Aggressive Growth fund provided. It must be darn hard for the Fidelity Money Managers to achieve a return consistently less than the S&P ( about 4% less). Well, there is some tax benefit to offset the poor performance...
by dogagility
Fri Jul 05, 2019 8:01 pm
Forum: Personal Investments
Topic: FIRST POST - Portfolio Review - Please
Replies: 37
Views: 3967

Re: FIRST POST - Portfolio Review - Please

Awesome, Althea! Your future self thanks you for taking the time to revise your investment plan. :sharebeer
by dogagility
Fri Jul 05, 2019 5:40 am
Forum: Personal Investments
Topic: Moving from multiple accounts to Merrill Edge or Premium?
Replies: 23
Views: 1679

Re: Moving from multiple accounts to Merrill Edge or Premium?

Thanks and will be looking for that bonus as well. From what I have read it will take 3 months for them to apply the status. This puts us in early October 2019. Correct. Unless you have special sway over ME/BoA, it will take you three months to receive preferred rewards status. This is despite what...
by dogagility
Wed Jul 03, 2019 5:35 am
Forum: Personal Investments
Topic: Advice regarding childrens' ROTH
Replies: 20
Views: 1902

Re: Advice regarding childrens' ROTH

One advantage of Vanguard ETF is that it is portable to any brokerage in kind, whereas with the Fidelity Zero funds you may be stuck at Fidelity forever. Huh, A Roth is a tax advantaged account, just sell the index funds and rollover the cash. Time out of market... it could be substantial About 1 d...
by dogagility
Wed Jul 03, 2019 5:13 am
Forum: Personal Investments
Topic: Advice regarding childrens' ROTH
Replies: 20
Views: 1902

Re: Advice regarding childrens' ROTH

One advantage of Vanguard ETF is that it is portable to any brokerage in kind, whereas with the Fidelity Zero funds you may be stuck at Fidelity forever. Huh, A Roth is a tax advantaged account, just sell the index funds and rollover the cash. Time out of market... it could be substantial About 1 d...
by dogagility
Sat Jun 15, 2019 10:13 pm
Forum: Personal Investments
Topic: Should I invest 100k into a total index or do it slowly
Replies: 50
Views: 5108

Re: Should I invest 100k into a total index or do it slowly

When you go to the casino do you go to the first dice table you see and put your entire bankroll on the pass line (or come if a point has already been established)? Your answer may help guide you in your investment decision. Point taken, but at the casino the odds are tilted in favor of the house, ...
by dogagility
Sat Jun 08, 2019 5:20 am
Forum: Personal Investments
Topic: Advice on 401k AA/Investments
Replies: 5
Views: 533

Re: Advice on 401k AA/Investments

I would go option 2. Nobody can predict the future returns of any single fund; the best you can do (and the only thing you can control) is to keep expenses low. Here's a sobering read regarding the active/index debate: https://www.ifa.com/articles/despite_brief_reprieve_2018_spiva_report_reveals_act...
by dogagility
Fri Jun 07, 2019 4:03 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1797
Views: 286238

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Allow me to vent about ME/BoA. I recently took advantage of their IRA transfer bonus program. Signed up, transferred 200K into an Edge IRA, opened up a BoA checking account, opened a Premium Rewards credit card. To increase the credit card rewards bonus, I wanted to be enrolled in their Preferred R...
by dogagility
Thu Jun 06, 2019 4:55 pm
Forum: Investing - Theory, News & General
Topic: Convince me not to try to time the market
Replies: 27
Views: 2090

Re: Convince me not to try to time the market

OP, Convince me that you should time the market... The market is at an all-time high the majority of the time. The only thing I am pretty confident in about this investing thing is that the equity market has an upward trajectory, especially over your investing horizon (50 years). Don't be afraid and...
by dogagility
Tue Jun 04, 2019 4:56 pm
Forum: Personal Investments
Topic: Just Got a Call From Fidelity
Replies: 55
Views: 7756

Re: Just Got a Call From Fidelity

bck63 wrote:
Tue Jun 04, 2019 2:25 pm
So, a good experience. And in fact I was a bit worried. Just didn't want to admit it. Very happy with Fidelity so far.
Much like my experience when I've been in contact with a Fidelity rep (twice in the last three years). :sharebeer
by dogagility
Sat Jun 01, 2019 7:30 pm
Forum: Investing - Theory, News & General
Topic: How long does it take to come out of a major downtunr?
Replies: 30
Views: 3103

Re: How long does it take to come out of a major downtunr?

What's the chance of my Total World Index Fund not recovering? When you say "not recovering" are you talking about a specific time span? Yes... a long time; but I think I already know the answer to my question. Little to none. And if it doesn't recover, then I have much bigger things to worry about...
by dogagility
Sat Jun 01, 2019 1:57 pm
Forum: Investing - Theory, News & General
Topic: How long does it take to come out of a major downtunr?
Replies: 30
Views: 3103

Re: How long does it take to come out of a major downtunr?

What's the chance of my Total World Index Fund not recovering?
by dogagility
Wed May 29, 2019 5:24 am
Forum: Personal Investments
Topic: Is this a good long-term portfolio?
Replies: 37
Views: 3132

Re: Is this a good long-term portfolio?

Hi Hungrywave, Your family has a lot of human capitol (two physicians) in a stable profession. Assuming you don't need your investment money for a long time period, you can take on more "risk" than the average Boglehead. 100% stock is a fine allocation, in my opinion. I personally did that for about...
by dogagility
Sat May 25, 2019 6:56 pm
Forum: Investing - Theory, News & General
Topic: just a general comment about "too conservative" investors here
Replies: 151
Views: 14893

Re: just a general comment about "too conservative" investors here

And 2008-09 taught a "lesson" that bear markets are short and followed by fast recoveries - but that's not at all a given. From: https://www.nytimes.com/2009/04/26/your-money/stocks-and-bonds/26stra.html. Time to recover from a market low. "In fact, according to a Hulbert Financial Digest study of ...
by dogagility
Fri May 24, 2019 6:37 pm
Forum: Personal Investments
Topic: I have $100k in savings. Dollar cost averaging or lump sum investment?
Replies: 13
Views: 1616

Re: I have $100k in savings. Dollar cost averaging or lump sum investment?

Won't you be bummed if the market crawls up 10% slowly over the DCA period and then crashes the day you are fully invested? If you had carefully saved for 30 years in a 401k and had $2.5M at retirement, would you move it all to cash and then redeploy it via DCA? Of course not. New money is no diffe...
by dogagility
Wed May 22, 2019 4:52 pm
Forum: Investing - Theory, News & General
Topic: just a general comment about "too conservative" investors here
Replies: 151
Views: 14893

Re: just a general comment about "too conservative" investors here

yousha wrote:
Wed May 22, 2019 4:50 pm
At 80 years of age, I have 75% in equities. Portfolio is $5.7 million. Doing exceptionally well.
Love your AA, Yousha! If I have any money to invest when I reach my eighties, that's the AA I'd like to have. (I won't have anywhere near your stash....). :beer
by dogagility
Wed May 22, 2019 4:43 pm
Forum: Personal Investments
Topic: An Advisor Refusing To Sell Investments
Replies: 65
Views: 8049

Re: An Advisor Refusing To Sell Investments

J G Bankerton wrote:
Wed May 22, 2019 11:35 am
dogagility wrote:
Wed May 22, 2019 6:01 am
Life lesson #27. Don't inject money management into friendships.
Advisors are trained to be your friend and pretend they like you. Not unlike bar girls who hustle drinks.
True, but in this case, the advisor actually was a friend.
by dogagility
Wed May 22, 2019 6:07 am
Forum: Investing - Theory, News & General
Topic: Regression to the Mean - and our money
Replies: 16
Views: 1642

Re: Regression to the Mean - and our money

I am currently reading Kahneman's Thinking Fast and Slow, and the chapter on regression to the mean sparks me to open this thread and ask for some opinions. To date, index investing triumphs over active investing based on probability. Will we, as regression to the mean suggests, perform worse off t...
by dogagility
Wed May 22, 2019 6:01 am
Forum: Personal Investments
Topic: An Advisor Refusing To Sell Investments
Replies: 65
Views: 8049

Re: An Advisor Refusing To Sell Investments

Life lesson #27. Don't inject money management into friendships.
by dogagility
Mon May 20, 2019 7:08 pm
Forum: Personal Consumer Issues
Topic: Car repairs: what to do next time
Replies: 42
Views: 2651

Re: Car repairs: what to do next time

So I may have done a stupid thing. I have a 2005 Pontiac Vibe (that I still love by the way) with 160k on it. I just had a bunch of maintenance stuff done to it: oil change, air filter, oil filter and cabin air filter change, tire rotation and balance, new front roters and brakes, new rear drums an...
by dogagility
Thu May 16, 2019 5:47 pm
Forum: Personal Investments
Topic: If you are already wealthy, what keeps you motivated?
Replies: 101
Views: 12022

Re: If you are already wealthy, what keeps you motivated?

Money and wealth aren't typically long term, satisfying motivators. I suggest you read Enough by Jack Bogle and How to Think About Money by Jonathan Clements.
by dogagility
Thu May 16, 2019 5:54 am
Forum: Personal Investments
Topic: Vanguard or Fidelity (advisor support)
Replies: 19
Views: 1588

Re: Vanguard or Fidelity (advisor support)

For a novice investor relying on an investment company for support is a mistake. The first step is to educate yourself by reading, going to "Getting Started" on the Wiki, and reading and asking here. That said, such help as Vanguard VPAS might be useful. I would be a little wary of Fidelity as you ...
by dogagility
Wed May 15, 2019 8:02 pm
Forum: Personal Investments
Topic: Help my broker is trying to freak me out
Replies: 94
Views: 14091

Re: Help my broker is trying to freak me out

Almond wrote:
Wed May 15, 2019 7:20 pm
My partner wants to know when I got my series seven license, and is still skeptical about doing it ourselves.
You can absolutely do this. Read the links given by Sandtrap, and have your partner read this thread.
by dogagility
Wed May 15, 2019 4:51 pm
Forum: Personal Investments
Topic: Help my broker is trying to freak me out
Replies: 94
Views: 14091

Re: Help my broker is trying to freak me out

Also I just did a calculation using nerd wallet if I leave $600k at 1% AUM fee, not including fund fees, over 15 years the total cost is $208k. WOW is that correct. If so why do most people not mange their own funds. Which is the question my partner keeps asking and I don’t know how to answer Absol...
by dogagility
Sat May 11, 2019 10:07 am
Forum: Personal Investments
Topic: Help my broker is trying to freak me out
Replies: 94
Views: 14091

Re: Help my broker is trying to freak me out

For those of you with more experience is he right? Am I mad to rip the band aid off? No, he is not right, and no, you're not mad to rip the band aid off. Many of the funds he has you in have a very high expense ratio (about 1%). No doubt, he is also charging you a 1% assets under management (AUM) f...
by dogagility
Wed May 08, 2019 5:23 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 219
Views: 24257

Re: What is your AA, given your age? and, Why?

Early 50s. Might leave current job prior to age 60, be a traveling nomad with my wife, and then perhaps make a bit of money afterwards. Was 100% equity indexes from 1995 to age 50. Now 82/18. I had/have this "risky" AA because I'm not worried about the balleyhooed "black swan" equity meltdowns discu...
by dogagility
Tue May 07, 2019 4:31 pm
Forum: Personal Investments
Topic: 45 and 43 years old, 2 kids: Please advice on Retirement/Asset Allocation/Tax Efficiency/Loan Prepayment
Replies: 10
Views: 2105

Re: 45 and 43 years old, 2 kids: Please advice on Retirement/Asset Allocation/Tax Efficiency/Loan Prepayment

Goals 3. Reduce risk in the next 3-5 years for downward protection as more and more news/agreement has been appearing that there may be a recession in the next 1-2 years. Welcome! This smacks of trying to time the market and should not be a goal. Do not pay attention to financial "news/agreement" b...
by dogagility
Tue May 07, 2019 4:17 pm
Forum: Personal Investments
Topic: I tried to fire my financial advisor of 12 years today...
Replies: 127
Views: 13704

Re: I tried to fire my financial advisor of 12 years today...

DanMahowny wrote:
Tue May 07, 2019 10:42 am
I wish I had a financial advisor . . . . . so I could fire them.
:beer :D
by dogagility
Mon May 06, 2019 8:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11060
Views: 1939790

Re: U.S. stocks in free fall

dknightd wrote:
Mon May 06, 2019 7:49 pm
wake me up if US stocks go down 20%
Wake me up when stocks are down for ten years
by dogagility
Fri May 03, 2019 8:45 pm
Forum: Investing - Theory, News & General
Topic: Dollar cost buying into 30+ CAPE markets
Replies: 44
Views: 2575

Re: Dollar cost buying into 30+ CAPE markets

Appreciate the good points. Especially the issue seems to be: when will interest rates rise? The market seems to think not within 10 years. Fed tried to "kick the habit" earlier this year but we're in pretty deep to the addiction. If you make the call now and sit on your hands for 10 years it might...