Search found 661 matches

by ImUrHuckleberry
Sun Dec 05, 2021 12:55 pm
Forum: Personal Investments
Topic: Protecting Purchasing Power of Cash
Replies: 28
Views: 2351

Re: Protecting Purchasing Power of Cash

jebmke wrote: Sun Dec 05, 2021 12:39 pm I would put the money back from wherever I took it before deciding to make the buy that never went through. Presumably at that point, your view ahead about buying a house was also uncertain as it is today.
Well, before we had no intention of building a new house, and now we do.
by ImUrHuckleberry
Sun Dec 05, 2021 12:24 pm
Forum: Personal Investments
Topic: Protecting Purchasing Power of Cash
Replies: 28
Views: 2351

Re: Protecting Purchasing Power of Cash

You can shelter up to $40k in the next 30 days using I Bonds (you mentioned "we", so you each buy $10k now and in January to use up your $10k annual limit). They are currently paying over 7%. However, the downside is that you cannot touch this money at all for 1 year (and there's a 3-month interest loss in the first 5 year). You would also have to open separate TreasuryDirect accounts. I'm doing that to protect my down payment money. Just make sure that you can work with the 1-year lock up. Would $160k pay the down payment on the house you want, or do you have access to another $40k? Thank you. We already invested our $20k in I-Bonds for 2021 and we have an additional $20k in cash separate from this $200k ready to invest in Janua...
by ImUrHuckleberry
Sun Dec 05, 2021 11:46 am
Forum: Personal Investments
Topic: Protecting Purchasing Power of Cash
Replies: 28
Views: 2351

Re: Protecting Purchasing Power of Cash

One can't keep money "safe" in inflation without risk. Your question asks the impossible. Let me try again: Our goal right now is to minimize our losses against inflation while keeping this $200k liquid and relatively safe. Hint: the words minimize and relatively should be a clue for you that my question is not asking the impossible. At todays inflation rates and interest rates, nothing really exists. Anything that could come close is too volatile (eg stocks) or not liquid (eg ibonds). If you’re not willing to budge on either risk or liquidity, I think unfortunately a high yield savings account is the only solution. I'm willing to take some risk. Not equity type risks, not long term bond type risks, and probably not intermediate ...
by ImUrHuckleberry
Sun Dec 05, 2021 11:32 am
Forum: Personal Investments
Topic: Protecting Purchasing Power of Cash
Replies: 28
Views: 2351

Re: Protecting Purchasing Power of Cash

OP, The answer is highly dependent on the size of this 200K versus your overall portfolio size excluding this 200K. A) Is your portfolio = 2 million? 10X 200K? B) Is your portfolio = 4 million? 20X 200K I do not buy any house with a 20% down payment that are significant versus my overall portfolio size. Hence, in my case, this 200K would had been insignificant enough for me to keep it in cash. KlangFool I have no idea what my portfolio size has to do with my desire to protect the purchasing power and/or minimize the prospective loss on this money. I also didn't indicate what percent of a down payment the $200k represents, and again, don't see how it relates to my question. ImUrHuckleberry, Would you care to protect the purchasing power of ...
by ImUrHuckleberry
Sun Dec 05, 2021 11:19 am
Forum: Personal Investments
Topic: Protecting Purchasing Power of Cash
Replies: 28
Views: 2351

Re: Protecting Purchasing Power of Cash

One can't keep money "safe" in inflation without risk. Your question asks the impossible. Let me try again: Our goal right now is to minimize our losses against inflation while keeping this $200k liquid and relatively safe. Hint: the words minimize and relatively should be a clue for you that my question is not asking the impossible. At todays inflation rates and interest rates, nothing really exists. Anything that could come close is too volatile (eg stocks) or not liquid (eg ibonds). If you’re not willing to budge on either risk or liquidity, I think unfortunately a high yield savings account is the only solution. I'm willing to take some risk. Not equity type risks, not long term bond type risks, and probably not intermediate ...
by ImUrHuckleberry
Sun Dec 05, 2021 11:09 am
Forum: Personal Investments
Topic: Protecting Purchasing Power of Cash
Replies: 28
Views: 2351

Re: Protecting Purchasing Power of Cash

Bubba24 wrote: Sun Dec 05, 2021 11:05 am One can't keep money "safe" in inflation without risk. Your question asks the impossible.
Let me try again:

Our goal right now is to minimize our losses against inflation while keeping this $200k liquid and relatively safe.

Hint: the words minimize and relatively should be a clue for you that my question is not asking the impossible.
by ImUrHuckleberry
Sun Dec 05, 2021 10:57 am
Forum: Personal Investments
Topic: Protecting Purchasing Power of Cash
Replies: 28
Views: 2351

Re: Protecting Purchasing Power of Cash

We are sitting on $200k in cash from a new home purchase (new build) that fell through due to continual price increases before we could lock the price in. (The builder has been fighting the planning board over the permit for the access road since early last spring. We could not finalize a purchase agreement until the permit was issued, but in the meantime the asking price increased over 40 percent, so we've dropped out on the purchase.) We still intend to build a new house at some point, but now I'm not sure if it will be in 6 months or in a few years, and in the meantime we are sitting on this cash (dispersed between a savings account and some MM funds) and looking at so called "transitory" inflation eating at it. How can we pro...
by ImUrHuckleberry
Sun Dec 05, 2021 10:51 am
Forum: Personal Investments
Topic: Protecting Purchasing Power of Cash
Replies: 28
Views: 2351

Re: Protecting Purchasing Power of Cash

KlangFool wrote: Sun Dec 05, 2021 10:45 am OP,

The answer is highly dependent on the size of this 200K versus your overall portfolio size excluding this 200K.

A) Is your portfolio = 2 million? 10X 200K?

B) Is your portfolio = 4 million? 20X 200K

I do not buy any house with a 20% down payment that are significant versus my overall portfolio size. Hence, in my case, this 200K would had been insignificant enough for me to keep it in cash.

KlangFool
I have no idea what my portfolio size has to do with my desire to protect the purchasing power and/or minimize the prospective loss on this money.

I also didn't indicate what percent of a down payment the $200k represents, and again, don't see how it relates to my question.
by ImUrHuckleberry
Sun Dec 05, 2021 10:40 am
Forum: Personal Investments
Topic: Protecting Purchasing Power of Cash
Replies: 28
Views: 2351

Protecting Purchasing Power of Cash

We are sitting on $200k in cash from a new home purchase (new build) that fell through due to continual price increases before we could lock the price in. (The builder has been fighting the planning board over the permit for the access road since early last spring. We could not finalize a purchase agreement until the permit was issued, but in the meantime the asking price increased over 40 percent, so we've dropped out on the purchase.) We still intend to build a new house at some point, but now I'm not sure if it will be in 6 months or in a few years, and in the meantime we are sitting on this cash (dispersed between a savings account and some MM funds) and looking at so called "transitory" inflation eating at it. How can we prot...
by ImUrHuckleberry
Thu Dec 02, 2021 10:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Charges E-Delivery Service Fees?
Replies: 28
Views: 3866

Re: Vanguard Charges E-Delivery Service Fees?

https://i.imgur.com/FdUQ3Oa.png I could see them charging for paper and USPS Mail, but they charge for e-delivery ? "Sign up for e-delivery and avoid e-delivery fees"? It doesn't make sense to me. You avoid the fees by signing up for e-delivery. Can you get e-delivery without signing up for e-delivery? No, you must actively sign up for e-delivery online. Doing so removes any paper mailings, which is what the fee is imposed for. The message has poor wording, it's sort of an "inflammable means flammable" moment. Better phrasing would be something like "we charge fees for paper mailing. To avoid those fees, sign up for e-delivery online". You perhaps missed that my question was sarcastic and rhetorical?
by ImUrHuckleberry
Thu Dec 02, 2021 10:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Charges E-Delivery Service Fees?
Replies: 28
Views: 3866

Re: Vanguard Charges E-Delivery Service Fees?

pizzy wrote: Thu Dec 02, 2021 9:22 pm
mangorunner wrote: Thu Dec 02, 2021 8:59 pm Image

I could see them charging for paper and USPS Mail, but they charge for e-delivery?

"Sign up for e-delivery and avoid e-delivery fees"? It doesn't make sense to me.
You avoid the fees by signing up for e-delivery.
Can you get e-delivery without signing up for e-delivery?
by ImUrHuckleberry
Wed Dec 01, 2021 1:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar! - 200-Day Moving Average portfolio side discussion
Replies: 58
Views: 2671

Re: U.S. stocks continue to soar!

Marseille07 wrote: Wed Dec 01, 2021 1:54 pm
HomerJ wrote: Wed Dec 01, 2021 1:45 pm Going all the way in and all the way out is a terrible way to invest. You've already missed out on tens or hundreds of thousands of dollars over the past decade; do you really want to do it again?
While I don't do this, I've backtested 200d MA and it is not terrible.

I don't think it's constructive to beat down whenever a poster happened to share what they're doing that's not strictly in-line with the BH philosophy. I know folks like CurlyDave and rockstar do something similar.
I'm pretty sure in this case it's justified as the poster was stuck in cash for like 10 years... He/she doesn't have a strategy for moving in and out based on anything other than emotions.
by ImUrHuckleberry
Sun Nov 28, 2021 9:28 am
Forum: Personal Investments
Topic: On our own [Leaving financial advisor, looking for advice]
Replies: 27
Views: 3502

Re: On our own [Leaving financial advisor, looking for advice]

UpstateNY wrote: Sat Nov 27, 2021 3:05 pm Still going to contact Vanguard and see if they can move the account directly to them with out cashing it out.
This should be your first step imo before wasting time researching gains or worrying about anything else. You may not even need to contact Vanguard (or another house), just post your current investments (no need to provide dollar amounts or percentages of total, just tickers) and we can probably tell you if they can be transferred in kind.
by ImUrHuckleberry
Sat Nov 27, 2021 8:12 am
Forum: Personal Investments
Topic: Willing to share your Taxable Portfolio?
Replies: 381
Views: 57282

Re: Willing to share your Taxable Portfolio?

Out taxable is almost 100 percent international stocks funds, with a small amount of US stock funds making up the remainder.
by ImUrHuckleberry
Sat Nov 27, 2021 8:07 am
Forum: Personal Investments
Topic: On our own [Leaving financial advisor, looking for advice]
Replies: 27
Views: 3502

Re: On our own [Leaving financial advisor, looking for advice]

UpstateNY wrote: Fri Nov 26, 2021 9:14 pm Thanks Silk for your input, yes our non IRA mutual fund is a taxable brokerage account. What other choice do I have other than selling off our investments and starting fresh with Vanguard ?

Thank you for your comments
J
You may be able to transfer in kind, depending on what instruments the funds are currently invested in.
by ImUrHuckleberry
Sat Nov 20, 2021 8:34 am
Forum: Investing - Theory, News & General
Topic: Would it be dumb for someone who is about 30 years old to go 100% into Vanguard Total World?
Replies: 109
Views: 6133

Re: Would it be dumb for someone who is about 30 years old to go 100% into Vanguard Total World?

VartAndelay wrote: Fri Nov 19, 2021 7:25 pm If someone who is about 30 years old took all his assets and put them 100% into Vanguard Total World Fund with the idea of just holding it for decades and not trying to trade it or time the market or worry about day-to-day or even year-to-year price movements, would that be reasonable or reckless?
That depends on how likely you are to panic and do something stupid when the market tanks.
by ImUrHuckleberry
Fri Nov 19, 2021 10:35 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2119924

Re: U.S. stocks continue to soar!

CurlyDave wrote: Fri Nov 19, 2021 9:15 am Getting back to the soaring discussion, normal soaring has resumed for NASDAQ and QQQ, but the S&P has been left in the dust.

The Curly Family Portfolio has vaulted to a new all-time high. :moneybag :sharebeer
Well, with bonds and international acting as a counterweight, the Huckleberry Family portfolio just remains stuck at what looks to be a permanently high plateau.
by ImUrHuckleberry
Wed Nov 17, 2021 5:09 pm
Forum: Investing - Theory, News & General
Topic: Hi! I'm high inflation. Nice to meet you.
Replies: 980
Views: 110480

Re: Hi! I'm high inflation. Nice to meet you.

sailaway wrote: Wed Nov 17, 2021 9:33 am I lived through the 70s and 80s and have travelled extensively. My view of the current inflation rates is "You ain't seen nuthin' yet."
At least interest rates were also high back then. High inflation with negative yielding bonds seems worse to me. (Worse if it sticks around like this for years. No big deal if it's really transitory.)
by ImUrHuckleberry
Tue Nov 16, 2021 6:31 am
Forum: Investing - Theory, News & General
Topic: Why the disdain for managed funds like ARKK that destroy total market funds?
Replies: 1587
Views: 210383

Re: Why the disdain for managed funds like ARKK that destroy total market funds?

happyisland wrote: Fri Nov 12, 2021 8:52 am
SuperTrooper87 wrote: Fri Nov 12, 2021 8:49 am Was referring to the new SARK etf
My bad! I guess since it's an inverse of ARKK you should just invert all the advice contained in this thread. :D
Where is the guy with the Costanza avatar to chime in on this idea?
by ImUrHuckleberry
Fri Nov 05, 2021 7:52 am
Forum: Investing - Theory, News & General
Topic: Greed vs. Fear: what drives you?
Replies: 77
Views: 5973

Re: Greed vs. Fear: what drives you?

Is fear of missing out fear or greed?
by ImUrHuckleberry
Tue Nov 02, 2021 7:31 am
Forum: Investing - Theory, News & General
Topic: What percentage does Social Security cover of your expenses in retirement?
Replies: 114
Views: 12704

Re: What percentage does Social Security cover of your expenses in retirement?

Does anybody know of a good SSI calculator that lets you input your wage info, planned retirement age, and the age that you plan to file? It seems like most of them assume that you will work until you file, so I'm not super confident in the estimates that we've come up with because we've had to make some assumptions and fudge the numbers a bit.
by ImUrHuckleberry
Mon Nov 01, 2021 8:10 pm
Forum: Investing - Theory, News & General
Topic: What percentage does Social Security cover of your expenses in retirement?
Replies: 114
Views: 12704

Re: What percentage does Social Security cover of your expenses in retirement?

52 now, and plan to retire at 58-60 and file at 70 for me and 64 for wife. If the current projections play out it should cover between 80 and 100 percent of expenses. Of course if it does, we will probably spend more, especially if we have our health and can travel.
by ImUrHuckleberry
Fri Oct 29, 2021 2:32 pm
Forum: Investing - Theory, News & General
Topic: On what are you most bullish?
Replies: 290
Views: 27999

Re: On what are you most bullish?

ImUrHuckleberry wrote: Fri Jan 15, 2021 3:11 pm I'm bullish on international equity but not doing anything other than maintaining my current allocation of 20% of total investments (34% of equity investments) in total international funds.
Losing faith international will ever out-perform but stubbornly plan to hang on to my 20 percent allocation forever.
by ImUrHuckleberry
Mon Sep 20, 2021 8:16 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4651723

Re: U.S. stocks in free fall

If it drops only another 38% to 48% Forester will be proven correct!
by ImUrHuckleberry
Tue Sep 14, 2021 7:34 am
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 449
Views: 95580

Re: What ratio are you stocks/bonds and how old are you?

For this to be more meaningful, I would like to see the following:

Ratio stocks/bonds
Age
What percent of expenses post retirement will come from pensions/SS

We are 60/30/10
52 and 50 y/o
And about 65 percent of expenses should come from SS at 66, but we want to retire at between 58 and 60 (depending on how things go) so need to bridge that gap

If all expenses were projected to come from SS/pensions, we would probably be more aggressive right now.
by ImUrHuckleberry
Sat Sep 11, 2021 9:49 am
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 449
Views: 95580

Re: What ratio are you stocks/bonds and how old are you?

52 and 50 y/o

60/30/10 and that's where we plan to stay forever, unless something changes which makes it hard to sleep at night then we might drop to 50 stocks. (Some of the 10 is in I-bonds so it's not truly cash, wish we could get all of it into them.)
by ImUrHuckleberry
Tue Sep 07, 2021 7:07 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2119924

Re: U.S. stocks continue to soar!

oken wrote: Tue Sep 07, 2021 4:21 am
Forester wrote: Tue Sep 07, 2021 1:04 am Growth will outperform for the rest of 2021 & 2022 (peak then the bust period). 2023 & beyond will be inflationary as authorities become very loose to cope with the fallout and value will outperform in this stagflationary environment.
This is the clearest sign yet that we should be moving to the falling thread before the year is out!
I'm confused: I thought the world was ending before the end of September?
by ImUrHuckleberry
Sun Sep 05, 2021 10:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2119924

Re: U.S. stocks continue to soar!

I'm going with the best contrarian indicator I've ever seen, and have the market gaining another 3-5 percent in September.
by ImUrHuckleberry
Sat Sep 04, 2021 3:19 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2119924

Re: U.S. stocks continue to soar!

namajones wrote: Sat Sep 04, 2021 6:22 am
Triple digit golfer wrote: Sat Sep 04, 2021 6:16 am
How do you recommend one be prepared?
Some precepts have stood the test of time for a reason:

1. Live below your means.
2. Don't invest in the stock market what you can't afford to lose.
3. Hope for the best; plan for the worst.
2 is impossible for most people in the US in these days since almost nobody has a pension anymore. Invest we must is no joke.
by ImUrHuckleberry
Fri Sep 03, 2021 5:50 pm
Forum: Investing - Theory, News & General
Topic: Staying motivated in the middle of the game
Replies: 59
Views: 12183

Re: Staying motivated in the middle of the game

How does everyone stay motivated and focused on investing when you're a long way from 'winning the game' but in far enough that the easy gains are behind you? I don't understand this. Far as I can tell, the further you get in the easier and easier the gains come. Gains were much tougher in the early days. Lately we make as much almost every single day as we used to be able to save in an entire month. Early on, every biweekly contribution grew my net worth by a noticeable percentage and that served as a nice psychological reward for making sacrifices to save. Now our biweekly contributions barely move the needle on our net worth and my efforts at frugality seem trivial compared to whatever the market decides to do. It's tempting to get lazy...
by ImUrHuckleberry
Fri Sep 03, 2021 12:45 pm
Forum: Investing - Theory, News & General
Topic: ex-US Stocks Continue to Soar!
Replies: 574
Views: 71998

Re: ex-US Stocks Continue to Soar!

Whakamole wrote: Fri Sep 03, 2021 12:41 pm Thankfully there is no requirement to read this thread.
Well I pretty much avoid the US versus International threads. This thread is not supposed to be another one of those, and people should stop making it that. Go find one of the several hundred that already exist imo, because I do not want to avoid this thread.
by ImUrHuckleberry
Fri Sep 03, 2021 8:01 am
Forum: Investing - Theory, News & General
Topic: Staying motivated in the middle of the game
Replies: 59
Views: 12183

Re: Staying motivated in the middle of the game

How does everyone stay motivated and focused on investing when you're a long way from 'winning the game' but in far enough that the easy gains are behind you? I don't understand this. Far as I can tell, the further you get in the easier and easier the gains come. Gains were much tougher in the early days. Lately we make as much almost every single day as we used to be able to save in an entire month. Early on, every biweekly contribution grew my net worth by a noticeable percentage and that served as a nice psychological reward for making sacrifices to save. Now our biweekly contributions barely move the needle on our net worth and my efforts at frugality seem trivial compared to whatever the market decides to do. It's tempting to get lazy...
by ImUrHuckleberry
Thu Sep 02, 2021 10:36 pm
Forum: Investing - Theory, News & General
Topic: Staying motivated in the middle of the game
Replies: 59
Views: 12183

Re: Staying motivated in the middle of the game

Hayduke wrote: Wed Sep 01, 2021 3:20 pm How does everyone stay motivated and focused on investing when you're a long way from 'winning the game' but in far enough that the easy gains are behind you?
I don't understand this. Far as I can tell, the further you get in the easier and easier the gains come. Gains were much tougher in the early days. Lately we make as much almost every single day as we used to be able to save in an entire month.
by ImUrHuckleberry
Tue Aug 31, 2021 7:44 am
Forum: Investing - Theory, News & General
Topic: Fidelity 45% Rule for Retirement
Replies: 16
Views: 3616

Re: Fidelity 45% Rule for Retirement

I tend to ignore the planning rules focused on income, because your income says nothing about your expenses.
by ImUrHuckleberry
Tue Aug 31, 2021 6:45 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2119924

Re: U.S. stocks continue to soar!

Did somebody say something? All I could hear was cha-ching.
by ImUrHuckleberry
Mon Aug 30, 2021 9:57 am
Forum: Investing - Theory, News & General
Topic: Why I'm leaving Vanguard
Replies: 220
Views: 38221

Re: Why I'm leaving Vanguard

I've been with Fido for over 25 years and think they are great. I very rarely need help, but when I do call I never have to wait long, and the representatives have been knowledgeable.
by ImUrHuckleberry
Wed Aug 18, 2021 1:16 pm
Forum: Personal Consumer Issues
Topic: Anyone buying cars right now?
Replies: 261
Views: 32345

Re: Anyone buying cars right now?

I had to buy a new car last month when my head gasket went on a car too old to bother fixing. Ended up paying about the same for a used 2019 Honda with low (4000) miles as I would have paid brand new in 2019. But there were no new ones available anywhere around that price right now. (Honda Accord Sport 2.0T and I had to have exactly that.)
by ImUrHuckleberry
Tue Jul 20, 2021 1:15 pm
Forum: Investing - Theory, News & General
Topic: Best inflation hedge besides gold, real estate, stocks, and crypto
Replies: 136
Views: 15939

Re: Best inflation hedge besides gold, real estate, stocks, and crypto

teelainen wrote: Tue Jul 20, 2021 12:59 am
JoMoney wrote: Mon Jul 19, 2021 10:55 pm Cash, Series I Savings bonds, low-cost stock index funds
Cash?
I had the same reaction.
by ImUrHuckleberry
Sat Jul 10, 2021 8:32 pm
Forum: Investing - Theory, News & General
Topic: Broker sent me an incorrect Portfolio valuation: is there anything I should do?
Replies: 26
Views: 3377

Re: Broker sent me an incorrect Portfolio valuation: is there anything I should do?

I have several bonds at Schwab that have shown $0 since the day I bought them. I could probably ask Schwab to do something about it, but I know they are not worth $0 so I don't really care to make the effort. Does it really matter unless some sort of valuation is being done on the account for RMD, estate settlement, etc.? That would drive me nuts and I would definitely get it corrected. Why does it matter? It doesn't change the actual value of the bonds. The numbers on a quarterly statement are not representative of anything meaningful - they will change tomorrow, after all! The biggest practical problem is that I would need to go look up the value elsewhere when I do my net worth and AA updates. But even without the practical consideratio...
by ImUrHuckleberry
Sat Jul 10, 2021 9:57 am
Forum: Investing - Theory, News & General
Topic: Broker sent me an incorrect Portfolio valuation: is there anything I should do?
Replies: 26
Views: 3377

Re: Broker sent me an incorrect Portfolio valuation: is there anything I should do?

Oregano wrote: Fri Jul 09, 2021 10:43 am I have several bonds at Schwab that have shown $0 since the day I bought them. I could probably ask Schwab to do something about it, but I know they are not worth $0 so I don't really care to make the effort. Does it really matter unless some sort of valuation is being done on the account for RMD, estate settlement, etc.?
That would drive me nuts and I would definitely get it corrected.
by ImUrHuckleberry
Wed Jul 07, 2021 3:37 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2119924

Re: U.S. stocks continue to soar!

More returns pulled forward from the future, it's a rates trade at this point. Last three ATHs prior to sell offs, Q2 2018, Q4 2018, Q1 2020, 10yr was 2.9% then 1.5%; today it's 1.3% (in reality lower after inflation). Disaster in the making for every portfolio from 100% stocks to 30% stocks, bonds have no ballast left to offer. Probably markets will peak this month then it's curtains September onward. If there is a "disaster in the making for every portfolio from 100% stocks to 30% stocks," then why is your asset allocation 60% stocks? link Despite everything he says in this thread, Forester also predicted S&P500 at about 4800 by the end of the year in the 2021 Boglehead Contest . All the posts are just trolling... Forestor ...
by ImUrHuckleberry
Wed Jul 07, 2021 11:33 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2119924

Re: U.S. stocks continue to soar!

Forester wrote: Wed Jul 07, 2021 11:26 am More returns pulled forward from the future, it's a rates trade at this point. Last three ATHs prior to sell offs, Q2 2018, Q4 2018, Q1 2020, 10yr was 2.9% then 1.5%; today it's 1.3% (in reality lower after inflation). Disaster in the making for every portfolio from 100% stocks to 30% stocks, bonds have no ballast left to offer.

Probably markets will peak this month then it's curtains September onward.
Thank you sir may I have another!
by ImUrHuckleberry
Mon Jul 05, 2021 11:15 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing side discussion
Replies: 29
Views: 2606

Re: U.S. stocks continue to soar! - Rebalancing side discussion

Honestly, the thread can be closed. I made a passing tangentially on topic remark in the thread that we use for general chit chat and I'm honestly not sure why it was broken into a new thread. There is nothing being discussed here that hasn't been covered a thousand times over already. It won't hurt my feelings to lock it up.
by ImUrHuckleberry
Mon Jul 05, 2021 10:31 am
Forum: Investing - Theory, News & General
Topic: Rebalancing side discussion
Replies: 29
Views: 2606

Re: U.S. stocks continue to soar!

Yep, I like rebalancing. Yes, I'd have more if I just let it ride all this time, but I like locking in gains now and then, and rebalancing back to my target Asset Allocation. I feel like a gambler who is winning at the table, and rat-holing chips into my pocket, knowing that even if I lose 50% of the remaining chips on the table, I'm still up for the night. I've pocketed little (not so little!) chunks of money multiple times this last year. I like having those wins locked in... I'll spend them first when I retire soon. Just out of curiosity, did you take the same approach when you were earlier in the accumulation phase? Well I rebalanced less during accumulation... Normally I'd wait for a 5%-10% change in AA to rebalance... But yes, I reba...
by ImUrHuckleberry
Sun Jul 04, 2021 1:40 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing side discussion
Replies: 29
Views: 2606

Rebalancing side discussion

[Moved into a new thread from: U.S. stocks continue to soar! --admin LadyGeek]

Did my twice annual rebalance today (well technically it will process end of trading on Tue) and had to shift about 3% over to bonds/cash. Wanted to let it ride in this soaring market, but I'm really trying hard not to try to time any more.
by ImUrHuckleberry
Fri Jul 02, 2021 2:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2119924

Re: U.S. stocks continue to soar!

anoop wrote: Fri Jul 02, 2021 2:38 pm
ImUrHuckleberry wrote: Fri Jul 02, 2021 2:33 pm Oh, Forester.... You've done it again. You are truly the worlds greatest contrarian indicator. I may literally go to cash if you turn bullish. :sharebeer
Don't follow forester, follow the fed.
The fed doesn't post here. Or do they???
by ImUrHuckleberry
Fri Jul 02, 2021 2:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2119924

Re: U.S. stocks continue to soar!

Oh, Forester.... You've done it again. You are truly the worlds greatest contrarian indicator. I may literally go to cash if you turn bullish. :sharebeer
by ImUrHuckleberry
Fri Jun 25, 2021 6:44 am
Forum: Personal Investments
Topic: Little money leftover for Roth
Replies: 23
Views: 2160

Re: Little money leftover for ROTH

I would do it. And then if you come into more money in the future, you can use that for the EF and invest the money that's been parked in the Roth.
by ImUrHuckleberry
Tue Jun 22, 2021 1:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2119924

Re: U.S. stocks continue to soar!

Forester wrote: Tue Jun 22, 2021 10:58 am Stock market is essentially unchanged over the last couple of months, up a paltry 1.2%, in other words keeping up with inflation the least one can expect. Much more of this and the suspicion is that the market is slowly rolling over, SPX above 4,000 being the head of the "head and shoulders" chart formation.
I will gladly accept 1.2 percent every two months, assuming inflation stays around 3 percent or less.