Search found 129 matches

by TM90
Wed Jun 26, 2019 3:33 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks .. talk me out of it
Replies: 31
Views: 2230

Re: Individual Stocks .. talk me out of it

There are people out there picking stocks for a living. After (I thought it was) 6 years 90% of them doesn't beat the index. If they, who do this for a living, can't consistently beat the market, why can you? Maybe you will be lucky, maybe you won't.. If I were to pick stocks I'd pick the top 10 or ...
by TM90
Sun Jun 23, 2019 11:17 am
Forum: Investing - Theory, News & General
Topic: Next 30 Years for Ray Dalio’s All Weather Portfolio?
Replies: 44
Views: 5271

Re: Next 30 Years for Ray Dalio’s All Weather Portfolio?

JBeck wrote:
Sun Jun 23, 2019 6:59 am
TM90 wrote:
Sat Jun 22, 2019 2:21 pm
Not the dahlio portfolio but I think a 2x leveraged permanent portfolio would blow everything away.
Is this your portfolio?
No but I follow the performance of a 3x version of it. I can't find any suitable ETF's in Europe to actually implement it.
by TM90
Sat Jun 22, 2019 2:21 pm
Forum: Investing - Theory, News & General
Topic: Next 30 Years for Ray Dalio’s All Weather Portfolio?
Replies: 44
Views: 5271

Re: Next 30 Years for Ray Dalio’s All Weather Portfolio?

Not the dahlio portfolio but I think a 2x leveraged permanent portfolio would blow everything away.
by TM90
Thu Apr 18, 2019 10:03 am
Forum: Investing - Theory, News & General
Topic: Hedging against hyperinflation scenario
Replies: 47
Views: 3536

Re: Hedging against hyperinflation scenario

I invest globally, also diversified over currencies but most of it is in the almighty dollar.
by TM90
Mon Mar 25, 2019 2:49 pm
Forum: Investing - Theory, News & General
Topic: Move beyond stocks after couple mil ?
Replies: 44
Views: 6330

Re: Move beyond stocks after couple mil ?

Depends on the reason..

Do you feel undiversified? Why?

Do you need a new challenge in your life? How much time/effort/money are you willing to spend?

If you answered no on both questions, keep on keeping on :beer
by TM90
Wed Mar 06, 2019 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Best free personal finance software in 2019
Replies: 11
Views: 1595

Re: Best free personal finance software in 2019

Andromoney app (also available for iOS) ! Makes keeping track of expenses and income easy peasy
by TM90
Mon Feb 25, 2019 4:03 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Diversifying Across Factors
Replies: 9
Views: 682

Re: Larry Swedroe: Diversifying Across Factors

My experience with factors is, the more factors you include in your portfolio the more your return will be similar (better or worse) to market beta.
by TM90
Thu Feb 07, 2019 3:46 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 307051

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Question: if you think you've found an easy way to beat the market why hasnt anybody else done it before? A) Who says nobody hasn't done this before? B) Beating the market has always been "easy": if you're willing and able to take on more risk then you can generally beat the market. The capital all...
by TM90
Thu Feb 07, 2019 2:59 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 307051

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Question: if you think you've found an easy way to beat the market why hasnt anybody else done it before?
by TM90
Mon Jan 28, 2019 9:55 am
Forum: Investing - Theory, News & General
Topic: For young investors not yet seen a bear market or recession. How do you truly know your risk tolerance and plan for it?
Replies: 103
Views: 7009

Re: For young investors not yet seen a bear market or recession. How do you truly know your risk tolerance and plan for

What? Are you kidding me? We are talking 20 somethings. You never lose a penny if you don't sell! You stay the course and you keep buying every payday. I've been invested for over 30 years and except for taking money out in 1992 for a down payment on a house, I've never touched my 401K even through...
by TM90
Mon Jan 28, 2019 9:33 am
Forum: Investing - Theory, News & General
Topic: For young investors not yet seen a bear market or recession. How do you truly know your risk tolerance and plan for it?
Replies: 103
Views: 7009

Re: For young investors not yet seen a bear market or recession. How do you truly know your risk tolerance and plan for

It's simple, go 100% and don't peak so you're not tempted to sell! Just kidding, it's up to you. I'm 28 and have been 75/25 for past two years, I sold my bonds today and went 100% stock. I noticed during last years correction I would look at my portfolio less and less. And to be honest, I also think...
by TM90
Sun Jan 20, 2019 3:30 am
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 158
Views: 17883

Re: Who Will Speak for US?

NMBob wrote:
Thu Jan 17, 2019 3:29 pm
He did have some website some time ago where as best I recalled, pushed having more healthcare, value stocks, small caps than just straight total market though. Dont think there is a clear record of retraction as you indicate, he just states the new I guess.
:confused :confused

Source?
by TM90
Sun Jan 06, 2019 2:37 am
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 233
Views: 21412

Re: 2019 Hedge Fund Contest

Fund name: "The Longest Bull"

Long:
Amazon
Tesla
by TM90
Mon Dec 24, 2018 8:59 am
Forum: US Chapters
Topic: My Christmas Present To You
Replies: 108
Views: 12741

Re: My Christmas Present To You

Taylor I'm also from Belgium and I would like to thank you for your efforts in the war and for your teachings on finance.
by TM90
Mon Dec 24, 2018 8:41 am
Forum: Personal Investments
Topic: Savings and AA [Asset Allocation]
Replies: 6
Views: 675

Re: Savings and AA

There was some formula to determine how often to put money into the market. The longer you leave it out, the more you lose in opportunity cost, so sometimes it is better to do it slightly more often even if you pay a little more brokerage. Oh here, seems I kept a link to one of the sites that menti...
by TM90
Mon Dec 24, 2018 4:52 am
Forum: Personal Investments
Topic: Savings and AA [Asset Allocation]
Replies: 6
Views: 675

Savings and AA [Asset Allocation]

Hi all I have just a quick question on how to view your AA. My current AA is 75/25 but if I count my savings I put aside to invest once a year into it I'm at 65/35. I don't count my emergency fund into it. The reason my cash is so large relatively speaking is because my portfolio is still small and ...
by TM90
Sun Nov 18, 2018 2:00 pm
Forum: Non-US Investing
Topic: Need help with investment plan [Europe]
Replies: 7
Views: 784

Re: Need help with investment plan [Europe]

I also think you need to reconsider investing, if you already won the game there's no point in risking your hard earned money on the stock market. As already stated by other posters, what is your goal? For many of us its financial independence but you already achieved that.. If I were you I would ju...
by TM90
Tue Nov 06, 2018 3:13 pm
Forum: Investing - Theory, News & General
Topic: Diversification Regret Index
Replies: 161
Views: 20425

Re: Diversification Regret

A lot of bogleheads struggle with the returns of international because it has underperformed the US in recent years but international did outperform US from 1986 to 1994, that's 8 years of underperformance for the total stock market, how would you cope? I know the dates are cherry picked but it has ...
by TM90
Mon Oct 01, 2018 2:15 am
Forum: Investing - Theory, News & General
Topic: Should we stay in Crazytown because there's no where to run?
Replies: 148
Views: 19749

Re: Should we stay in Crazytown because there's no where to run?

I think index investors aren't in crazy town we are living in the suburbs of crazy town, close enough to have the benefits of living in the proximity of the center (tech stocks) but far enough to have all the risk.
by TM90
Wed Sep 26, 2018 2:35 am
Forum: Investing - Theory, News & General
Topic: Other Portfolios that aren't 3 fund
Replies: 59
Views: 9724

Re: Other Portfolios that aren't 3 fund

Not my actual portfolio but constructed it in a play money account to follow up;

50% Momentum Factor
50% small cap value (50/50 domestic, international)

Inspired by Peter Lynch

And

33% low volatility global
33% value factor global
33% quality factor global

Inspired by Warren Buffett
by TM90
Tue Sep 04, 2018 6:32 am
Forum: Investing - Theory, News & General
Topic: Investing in the food industry
Replies: 13
Views: 1077

Re: Investing in the food industry

I work in retail, I made a list of my favorite companies. I don't invest in them but I made a portfolio with them to follow up. I'm from Europe so some big retailers from the US or Asia won't be in here: AB Inbev Coca Cola Diageo Ahold Delhaize L'oreal Pepsico Proctor & Gamble Reckitt Benckiser Kraf...
by TM90
Fri Aug 17, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 117711

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

This is the same as "why bonds?"..

Buy the market, stay the course that's all folks
by TM90
Thu Aug 09, 2018 2:17 pm
Forum: Investing - Theory, News & General
Topic: Two voices in my head
Replies: 36
Views: 3079

Re: Two voices in my head

Yes but I don't see dead people.

I see lost returns.
by TM90
Thu Aug 09, 2018 11:20 am
Forum: Investing - Theory, News & General
Topic: Two voices in my head
Replies: 36
Views: 3079

Re: Two voices in my head

I'm still young, I've got a minimum of 40 years to work before I can officially retire sometimes I think I err on the conservative side because of my 75/25 AA and because I just hold the market portfolio, ridiculous yeah I know but still these thoughts creep into my head. part of me says: You only ...
by TM90
Thu Aug 09, 2018 11:16 am
Forum: Investing - Theory, News & General
Topic: Two voices in my head
Replies: 36
Views: 3079

Re: Two voices in my head

I think I'm going to wait until we have a market crash (40-50% down from top) so I can buy low and sell (hopefully) high. Don't do this. What if the next crash is 39%? Or 18%? good points both. For the OP consider this: Do you know how many times the market has fallen by 35%-50% since the 1920s? ht...
by TM90
Wed Aug 08, 2018 4:18 pm
Forum: Investing - Theory, News & General
Topic: Two voices in my head
Replies: 36
Views: 3079

Re: Two voices in my head

Thank you for your answers, the title was chosen to peak curiosity, so I guess that worked :D You guys are right, the enemy of a good plan is the dream of a perfect plan. And for me I've already learned the biggest enemy to my plan is me, I am disciplined and I can stomach downturns but I have a ten...
by TM90
Wed Aug 08, 2018 10:08 am
Forum: Investing - Theory, News & General
Topic: Two voices in my head
Replies: 36
Views: 3079

Two voices in my head

I'm still young, I've got a minimum of 40 years to work before I can officially retire sometimes I think I err on the conservative side because of my 75/25 AA and because I just hold the market portfolio, ridiculous yeah I know but still these thoughts creep into my head. part of me says: You only g...
by TM90
Tue Aug 07, 2018 4:07 am
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 19018

Re: "Age in Bonds" fails almost everyone

In my opinion age has nothing to do with asset allocation its all about your need, willingness and ability to take risk. Personally I follow Grahams advice and I'm 75/25 AA, if the market crashes I plan to go to 90/10. If the market doesn't crash in the coming 10-20 years I haven't missed too much o...
by TM90
Sun Jul 29, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: Buying a home [as a safe investment]
Replies: 42
Views: 3497

Re: Buying a home [as a safe investment]

I could've bought but I didn't.. it would have cost me all of my cash and I would pay double of my current rent for my monthly mortgage. So I decided to rent and invest the proceedings and my cash. Did I do the right thing? I don't know, sometimes I feel I should also buy because of low interest rat...
by TM90
Sun Jul 29, 2018 3:21 pm
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE
Replies: 66
Views: 18498

Re: Q&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE

Mr Bogle

Do you think the market has become more efficient then it was 10 or 20 years ago or less efficient? Hence is it easier or more difficult for fund managers to generate alpha?
by TM90
Sat Jul 21, 2018 2:12 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2655
Views: 1733566

Re: The Three-Fund Portfolio

Question, what would happen to a three fund portfolio if inflation picked up? It has no tips, Commodities nor does it have a lot of real estate.

Anyone?
by TM90
Thu Jul 19, 2018 4:11 pm
Forum: Investing - Theory, News & General
Topic: I may have understood why it's so hard to save and invest
Replies: 81
Views: 14467

Re: I may have understood why it's so hard to save and invest

OP I'm also in my late twenties started out last year investing the Boglehead way. I also started out small and there was hardly any progress to be seen. That was until I realized my portfolio had grown to a size (by saving and investing, not by returns) where when it went up 1% on a day it made mor...
by TM90
Thu Jul 05, 2018 9:07 am
Forum: Investing - Theory, News & General
Topic: Anyone tilting heavy to international based on current forecasts?
Replies: 38
Views: 4652

Re: Anyone tilting heavy to international based on current forecasts?

Global market cap, anything else is active management, and by the way, global market cap is more then 50 percent US.
by TM90
Tue Jul 03, 2018 5:01 pm
Forum: Non-US Investing
Topic: Help for a beginner investor in Germany
Replies: 23
Views: 2896

Re: Help for a beginner investor in Germany

I'm from Belgium I use a four Fund Portfolio;

IShares MSCI World
IShares MSCI World Small Cap
IShares MSCI Emerging Markets IMI
IShares Barclays Global Aggregate Bond EUR Hedged
by TM90
Tue Jul 03, 2018 3:31 pm
Forum: Investing - Theory, News & General
Topic: Morningstar: What to Consider When Picking Multifactor ETFs
Replies: 84
Views: 7038

Re: Morningstar: What to Consider When Picking Multifactor ETFs

I bought a multifactor etf, could handle everything except the tracking error, went back to regular indexing after a month.. Cost me a lot of transaction costs!

Stay the course
by TM90
Wed Jun 27, 2018 1:01 pm
Forum: Investing - Theory, News & General
Topic: Is there a reversion to the mean for everything?
Replies: 29
Views: 2039

Re: Is there a reversion to the mean for everything?

As the title says, is there? I mean for example treasuries were the way to go to last years but lowering of interest rates surely helped their gains. Will there be a reversion to the mean when interest rates rise again? Interest rates will surely go up and down. That does not have to have anything ...
by TM90
Wed Jun 27, 2018 12:49 pm
Forum: Investing - Theory, News & General
Topic: Is there a reversion to the mean for everything?
Replies: 29
Views: 2039

Re: Is there a reversion to the mean for everything?

As the title says, is there? I mean for example treasuries were the way to go to last years but lowering of interest rates surely helped their gains. Will there be a reversion to the mean when interest rates rise again? And will an investor be better off in a diversified index like total bond? TM90...
by TM90
Wed Jun 27, 2018 10:35 am
Forum: Investing - Theory, News & General
Topic: Is there a reversion to the mean for everything?
Replies: 29
Views: 2039

Is there a reversion to the mean for everything?

As the title says, is there? I mean for example treasuries were the way to go to last years but lowering of interest rates surely helped their gains. Will there be a reversion to the mean when interest rates rise again? And will an investor be better off in a diversified index like total bond?
by TM90
Mon Jun 25, 2018 7:12 am
Forum: Investing - Theory, News & General
Topic: As time goes on, will total market investing become more perfect, and tilting strategies less?
Replies: 18
Views: 1732

Re: As time goes on, will total market investing become more perfect, and tilting strategies less?

Just a shower thought, if the market is based on supply and demand and the demand is driven by information, isn't it so that the demand is a personal interpretation of information which means the market is 100% based on investor behavior? Which means all the numbers and data doesn't matter? Why do p...
by TM90
Sun Jun 24, 2018 7:49 am
Forum: Non-US Investing
Topic: My portfolio, investing from Germany
Replies: 8
Views: 953

Re: My portfolio, investing from Germany

Msci world + msci emerging markets + msci small cap: Europe: 21.68 America: 58.19 Asia: 20.12 Msci ACWI IMI: Europe: 21.45 America: 57.79 Asia: 20.76 Vanguard FTSE All World: Europe: 22.11 America: 56.11 Asia: 21.78 No big differences, but lower TER is better I agree. The only thing is the Vanguard ...
by TM90
Sun Jun 24, 2018 4:09 am
Forum: Non-US Investing
Topic: My portfolio, investing from Germany
Replies: 8
Views: 953

Re: My portfolio, investing from Germany

Hi Accumulating Bond etf: iShares Global Aggregate Bond ETF Hedged Sample portfolio for you: SPDR ACWI IMI ETF IShares Global Aggregate Bond ETF EUR Hedged Contains all caps and emerging markets and exposure to global government and corporate bonds with hedging to euro. If you really want to tilt to...
by TM90
Sat Jun 16, 2018 5:33 pm
Forum: Investing - Theory, News & General
Topic: Rising returns for bonds leads to lower stock prices?
Replies: 2
Views: 440

Rising returns for bonds leads to lower stock prices?

Read an article about an interview with the head of JPMorgan's alternative investments department. He says because of the low returns on bonds in the last couple of years investors chose to invest more into equities and when interest rates on 10 year us treasures climb to 3.5 or 4% we will see an in...
by TM90
Sun Jun 10, 2018 9:40 am
Forum: Non-US Investing
Topic: Looking for EUR holy grail bond strategy
Replies: 76
Views: 6852

Re: Looking for EUR holy grail bond strategy

Valuethinker wrote:
Sun Jun 10, 2018 7:31 am
At the end of the day, you cannot get higher return without taking on higher risk and higher volatility.
That's what's most important and I highly recommend taking more risk by adjusting your AA instead of making your less risky assets more risky.
by TM90
Sun Jun 10, 2018 9:37 am
Forum: Non-US Investing
Topic: Looking for EUR holy grail bond strategy
Replies: 76
Views: 6852

Re: Looking for EUR holy grail bond strategy

Because it adheres to the philosophy of buying the haystack. Choosing between the Aggregate or government bonds is a personal choice and one must know the good and bad for each choice.

The Bogleheads principles are what is most important everyones portfolio is different.
by TM90
Sun Jun 10, 2018 6:15 am
Forum: Non-US Investing
Topic: Looking for EUR holy grail bond strategy
Replies: 76
Views: 6852

Re: Looking for EUR holy grail bond strategy

http://i68.tinypic.com/20r7o8z.png The difference in return is mostly because of the USD/EUR rate of the last couple of years. But the USD is getting stronger again so we might see a reversion to the mean. For risk adjusted returns, I think EUR Hedged is better. Note: obligaties wereldwijd means gl...
by TM90
Sun Jun 10, 2018 5:46 am
Forum: Non-US Investing
Topic: Looking for EUR holy grail bond strategy
Replies: 76
Views: 6852

Re: Looking for EUR holy grail bond strategy

Depending on the time frame indeed returns can be different.. I wanted to look for the graph i made back then but I still get the error message on Morningstar. But just look at the difference in volatility in for example the start of 2017, or 2018 is that what you expect from a bond fund? As I said ...
by TM90
Sun Jun 10, 2018 3:27 am
Forum: Non-US Investing
Topic: Looking for EUR holy grail bond strategy
Replies: 76
Views: 6852

Re: Looking for EUR holy grail bond strategy

Here's my holy grail (greetings from Austria - AA+ rated): For the bond portion of the portfolio there's a CD ladder (higher yield than government bonds), supplemented by a helping of non-EUR hedged global bonds (currently Xtrackers Global Sovereign UCITS ETF, but will probably switch to AGGG - iSh...
by TM90
Fri Jun 01, 2018 4:16 pm
Forum: Investing - Theory, News & General
Topic: Factor Friendly Four Fund portfolio
Replies: 19
Views: 2636

Re: Factor Friendly Four Fund portfolio

I implemented such a portfolio recently its also a mix of the bogleheads philosofy with the Fama and French factors its 75/25; IShares Edge Global Multifactor ETF 56,25% IShares MSCI Emerging Markets IMI 7,5% IShares MSCI World Small Cap 11,25% Xtrackers Global Government Bond (EUR Hedged) 25% Could...