Bogleheads.org

ray333

because investing in 10000 companies is a lot more diverse than the "total stock market"

ray333

Indexes ... RoBo investors ...

I feel like there's never gonna be another crash ...

ray333

Rome sucks, and yet is still a must for some sites

Do not waste more than a few days there - book Vatican way in advance, Colliseum night tour is awesome (and less hot/crowded) - then leave.

ray333

21 year olds shouldn't even be thinking about bonds ... I'm 32 and every dollar I have is either invested in total us / Total int'l ... or a high yield savings account - "safely" growing while giving me the opportunity to pounce on the next buying opportunity with 2 clicks Well, can't sto...

ray333

There's my confusion ...I'm not sure if rolling into Roth would be considered a "distribution" I plan on being private sector, but also wouldn't want to completely shut the door on a school system/pension again in the future ... I was confused by the tax / penalty only applying for certain...

ray333

I have no idea why you'd want the "safe" part of your portfolio in something that could actually drop

I feel like I'm going to be 100% equity as far as "investments" with high yield savings/CDs for actual guaranteed returns - at least for the foreseeable future

ray333

Enjoy your life instead of validating yourself based on the balance of your accounts.

ray333

If you are young and can honestly say to yourself "I'm not going to curl up in a ball and cry if my portfolio drops by 50%. I'll ride this out and even make contributions to buy up cheaper shares" than there is no point in owning bonds. The more I read, the more it seems bonds offer more o...

ray333

With a few clicks you can essentially own parts of ~10,000 companies world wide (total us / total int'l) No idea why you wouldn't want to hedge your bets rather than bank on the US entirely ... although, if the total us is worthless it means the world is likely ending, so whatever your "asset a...

ray333

David Stockman : "horrendous storm" about to hit stocks ...

Good, been waiting for a buying opportunity. He's calling for a 30+% drop. Sky falling!

ray333

Awesome! I love buying opportunities

ray333

Why bother arguing? It seems to me bonds are more for mental stability / sanity than actual returns If they help you sleep better, use them. If you're nearing retirement, use them to "save" what you've grown. If your young, I have no idea why you'd bother with bonds, but again - if it help...

ray333

Thank you all

There's s dealership nearby I may pop in for a chat / test drive. Again, no need for the car til December so I'd rather "shop" with no pressure. Thanks again!

(How are they in snow? I went from Audi to Jeep Grand Cherokee ... I hope I'm not taking my AWD for granted)

ray333

Yeah I'm definitely buying the car ... Civics last forever ... Just trying to figure if it's better to treat it as a lump sum "investment" and then make no future payments ... or pay $200-300 monthly until I own it while investing the difference ... I have leased my cars for awhile. Up in ...

ray333

You could convert the traditional ... but you'll pay taxes on that if you do so You could do the traditional then switch to the Roth ... you'll just have smaller balances in each. You're young. Max out a Roth every year for the next 20+ years and you'll be in awe of how much it grows - and feel even...

ray333

Love the new Honda Civics ... would also love to pay 20-25K and drive it for a decade. I can pay for it upfront 100% ... or I can put a nice down payment (5K) and invest the remaining 15-20K. Own and no payments or finance while investing? I assume leasing is a major BH no no. I have until December,...

ray333

I would ...

401k up to match

Max out Roth

Max out 401k - assuming Funds don't suck

Taxable brokerage ... buy/hold to bypass short term capital gains

ray333

People are scared of investing. It took forever to convince my girlfriend (making 6 figures and paid off student loans) to "invest" @ 32 ... with a target retirement fund I think it's a combo of 08/09 and people simply not understanding the market so they avoid all together Or the cost of ...

ray333

Ally raise your rate CD? I'm tempted to drop 20k in one myself ... I also want cash on hand to buy the next dip ...

Decisions decisions.

ray333

You could sell and buy into a target date fund ... I don't believe there's a feature that auto reallocates a 3 fund

ray333

Like target retirement date funds ?

ray333

I was looking at the NJ tax exempt muni ... just to be clear, is there a minimum length of time I'd need to hold this bond before I could sell/exchange?

ray333

The more I "get into" investing and discuss with people, the more I realize how terrified some people seem to be of it

Whether it's market risk or simply being overwhelmed by something they aren't familiar with, I don't know - just something I've started noticing

ray333

Looks like I should've bought more during last Wednesday's "free fall".

Hopefully some more noise causes another minor correction or 2 this summer

ray333

You shouldn't even be thinking about life insurance right now

Funny, this kind of nonsense is why I ultimately ditched my financial advisor for Boggleheads.

ray333

For someone planning to buy a home in 2 years, what would be an ideal place to "invest"? I know nothing about bonds ... would a 18 month/2 year CD make the most sense? My emergency fund is excessive, but that's lumping my down payment in it with. My actual investments are 100% equity, so I...

ray333

I travel, do what I want on the weekends, and simply live frugally (also healthy) during the week (bring lunch, make coffee at home, save a ton of money, only "go out" on weekends, etc) I take my net income for the month, move 90% of what's left after expenses/living life to Vanguard, 10% ...

ray333

I believe Schwab tracks the Dow while Vanguard's tracks Wilshire 5000 ...

Maybe Vanguard more diverse / more stocks?

ray333

It's only $4,500 ... better to just invest ?

ray333

Not technically selling any stock/shares, but would withdrawing funds from the federal money market fund be taxable? (Taxable brokerage acct)

I'd rather have it sit in my Ally earning more interest until I'm ready to dump another lump sum ... or should I just invest it and forget it

ray333

Sorry on phone ... Nobel winning economist Schiller? It's on CNBC today

ray333

This is the same Schiller on CNBC calling for a potential 50% increase in a bull market that could go on for years?

ray333

I plan on ultimately reallocating once I can buy Admiral Shares of "The W" in my Roth and then keeping Total US in my taxable (possibly adding total int'l to the taxable as well)

these W funds would be better if in an IRA than taxable correct?

ray333

"Just in case" what?

You're better off having a higher balance in 1 account - diversify within the account

I prefer simplicity in its, dare I say, simplest form

ray333

No difference. There's not much reason to keep anything in the settlement fund if you're just buying mutual fund shares. EDIT: In years past you could not do same-day Vanguard mutual fund transactions at Vanguard from a linked bank account, but a few years ago they changed that, and so now you can....

ray333

All I did was buy more shares and move more into my settlement fund Go ahead, keep dropping please. * for future reference, as long as a trade is submitted before closing bell, does it matter if you use a linked bank account or settlement fund? I find moving money to that fund forces me to invest at...

ray333

100% equity in Roth
100% equity taxable

Bonds will go in my tIRA when I can no longer contribute to Roth. As I age, I'll reallocate in the Roth to maintain what I've gained over 10-20 years

ray333

American funds ... where my 5500 Roth contribution magically turns into a 5000 contribution overnight ... no thanks. looking forward to watching 5500 actually go into my Vanguard Roth next year.

ray333

sell it all and invest in total us / total international market index ... with I guess total bond, if you're into that sort of thing

ray333

I keep a chase acct with limited funds to cover monthly expenses - and that's it. I move X amount into my Ally savings, and essentially forget about it. I move whatever's left to Vanguard. I'm young and still enjoy life - especially on the weekends, but I also live quite frugally (and healthy) durin...

ray333

the market has hit 2 new record highs since I was "afraid of a market peak", so whatever ... invest consistently, buy more during corrections, wait 20+ years, enjoy

ray333

I willl continue to place all disposable income in some sort of combo of total us/total international market ... overtime I will accumulate wealth - or the world has ended so who cares.

ray333

ray333 wrote:https://personal.vanguard.com/us/funds/ ... IntExt=INT

once I can covert to admiral shares, I'll be putting this into my Roth

ray333

roth growth tax free, funds in 401k may suck - still worth it up to the match since it's essentially free money / no brainer

ray333

I'd rather be rich then look rich while stuck in traffic ... did the fancy car thing in my early 20s ... hated the attention it brought me and in the end, would've been much better off investing the difference between a luxury German automobile and a honda civic I'd also still probably have the Hond...

ray333

was more about the foreign tax credit / not wanting to dump more into total US at the moment ... but I will likely stay the course, possible dip more into the savings should a major correction hit

ray333

Currently 50K invested, 70/30 total US/Int'l mix between my Roth/Taxable Acct ... add 10K Int'l to my taxable (60K invest, 30K savings)?

25% tax bracket, currently only total US in taxable (Int'l/US mix in Roth) ... 32 y/o so long term outlook / NOT risk averse

ray333

Live life, Get something nicer than BMW

ray333

no plans to leave the country ... I use my car for work. would tax benefits only apply for leasing?

ray333

is the international total marker fund still a better buy/value than total us market?

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