Search found 379 matches

by ThePrince
Mon Jan 21, 2019 9:54 pm
Forum: Investing - Theory, News & General
Topic: One Fund to Rule Them All
Replies: 52
Views: 4432

Re: One Fund to Rule Them All

I've been discussing investing with my 24-year old daughter. As we've discussed various funds and investing theory, she asked why it wouldn't be appropriate to simply invest her Roth IRA in the Vanguard Total World Fund for the next 40 years, and slowly transfer money to Total Bond as she gets olde...
by ThePrince
Sun Jan 13, 2019 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: I know market timing is a fool's game but...
Replies: 59
Views: 4742

Re: I know market timing is a fool's game but...

We're now in the 150th month without a recession. The record set in the 90's was 120 months. December was the worst month for equities since the Great Depression. Sounds like the Fed is worried enough to pause interest rate hikes. I tell people they shouldn't worry about timing but it's hard not to...
by ThePrince
Sat Jan 05, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20296

Re: $40,000 in debt, bankruptcy seems to be the best option right now

DanMahowny wrote:
Sat Jan 05, 2019 4:38 pm
Bankruptcy isn't the answer here.

You are trying to plug a hole in a boat with more water.

Sorry man.

+1
by ThePrince
Wed Jan 02, 2019 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: VTI ITOT or SCHB ETF?
Replies: 12
Views: 571

Re: VTI ITOT or SCHB ETF?

Go with VTI, it actually owns more of the underlying stocks in the index than ITOT or SCHB.
by ThePrince
Thu Dec 27, 2018 9:11 pm
Forum: Investing - Theory, News & General
Topic: Anyone do global capitalization weight portfolio....of bonds?
Replies: 32
Views: 1335

Re: Anyone do global capitalization weight portfolio....of bonds?

BNDW does not have global capitalization weight for bond. BNDW is about 50/50 US/International. International bond is the largest asset class, larger than 50/50. This is just what Vanguard felt about investor tolerance limit on international bond investment. This isn’t true. BNDW comprises ~53% BND...
by ThePrince
Wed Dec 26, 2018 11:09 pm
Forum: Investing - Theory, News & General
Topic: Why call them "losses" when you still own the shares?
Replies: 103
Views: 4893

Re: Why call them "losses" when you still own the shares?

AZAttorney11 wrote:
Wed Dec 26, 2018 10:03 am
Yes, it’s absolurely a loss. An unrealized loss, but a loss nevertheless. To say otherwise is some sort of coping mechanism that a behavioral finance expert would have to explain.
+1
by ThePrince
Tue Dec 25, 2018 10:01 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Tempting
Replies: 38
Views: 5811

Re: Berkshire Tempting

Berkshire hasn't been tempting to me because of: 1. Substantial key man risk. This is the #1 reason I don't invest with him. 2. Unknown successor followed by period of potential mediocrity followed by breakup. The successor hasn't emerged since Buffett likes the public attention. This makes me thin...
by ThePrince
Mon Dec 24, 2018 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone rebalancing?
Replies: 36
Views: 2296

Re: Anyone rebalancing?

Given that market is almost 20% down, I wonder how many have rebalanced their portfolio? I am thinking about it, but it is hard knowing that market may very well fall another 20% down from here. And this is why I have a significant amount of my money with Betterment—I can’t talk myself out of rebal...
by ThePrince
Sun Dec 23, 2018 2:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard says international will beat US stocks in next decade
Replies: 155
Views: 14739

Re: Vanguard says international will beat US stocks in next decade

https://www.cnbc.com/2018/11/27/international-stocks-will-beat-us-stocks-over-next-decade-vanguard.html Should one overweight their portfolio toward international? One should invest in VTWSX (Total Wold Stock Index) unless they are feeling lucky. In less than a month that fund will have Admiral sha...
by ThePrince
Fri Dec 21, 2018 9:15 pm
Forum: Investing - Theory, News & General
Topic: "Guess What? It May Actually Be Different This Time" Morningstar
Replies: 8
Views: 2184

Re: "Guess What? It May Actually Be Different This Time" Morningstar

Our equity ETF is (VT) down 19.67% from PEAK to today and down 12.45% YTD. I'm wondering if I should tilt our equities so we DOUBLE the percentage of EM? As EM is down 25.57% from PEAK to today and down 15.00% YTD. I am not changing a thing. I also use VT as a core...and the only equity ETF. P.S: I...
by ThePrince
Sun Dec 09, 2018 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance or wait?
Replies: 5
Views: 694

Re: Rebalance or wait?

Your target allocation is the target for a reason. Don’t let emotion or fear derail you from staying the course (rebalancing accordingly).
by ThePrince
Sat Dec 08, 2018 9:35 pm
Forum: Investing - Theory, News & General
Topic: You already own international stocks with VTSMX etc [Vanguard Total Stock Market]
Replies: 57
Views: 4837

Re: You already own international stocks with VTSMX etc [Vanguard Total Stock Market]

I recommend "The Simple Path to Wealth" by JL Collins. I agree with Colllins' views on international investing, found in Chapter 15. He states that the 500 largest stocks in the U.S. make up about 80% of VTSAX , and that those 500 stocks generate half of their revenues/profits from markets outside ...
by ThePrince
Mon Dec 03, 2018 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Can a three fund portfolio beat a fool?
Replies: 47
Views: 2995

Re: Can a three fund portfolio beat a fool?

I'm having a very vegue discussion about AA I'm 80/20(20% international) Father in law is 80/20(0% international) He says:Yep, I just follow my Motley Fool's stock picks & recommendations - and it only costs me $100 per year! LOL 😎😎😎🤑🤑🤑 Should I be concerned with his consistent bragging about how e...
by ThePrince
Sun Dec 02, 2018 9:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard US Multifactor Fund
Replies: 64
Views: 8853

Re: Vanguard US Multifactor Fund

New Morningstar.com article referencing VFMF and VFMFX. Basically makes a good argument to either buy the haystack or if not, then go away from that in a manner that has been historically rewarded i.e. value, momentum, quality, et cetera and used Vanguard Multifactor Funds as the example. https://w...
by ThePrince
Sun Dec 02, 2018 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Trying not to use the term timing, but...
Replies: 23
Views: 1914

Re: Trying not to use the term timing, but...

I'm 39, have a bit of experience (dumb moves over the years), and am contemplating short term preservation. In my 401K I currently have 120K. 50% in VINIX (Vanguard large) 20% in VMCIX (Vanguard mid) 20% in VSCIX (Vanguard small) 5% in VBIMX (Vanguard interm bond) 5% in EIBRX which is Eaton Vance h...
by ThePrince
Sat Dec 01, 2018 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Advice For My Age Update
Replies: 7
Views: 1205

Re: Advice For My Age Update

Flee the lending club and crypto. Yikes.
by ThePrince
Sat Dec 01, 2018 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: What is the lowest 'safe' emergency fund we should have?
Replies: 40
Views: 3978

Re: What is the lowest 'safe' emergency fund we should have?

In fact being debt free and having a large taxable account, quickly accessible without tax or penalty, you might not need a dedicated "emergency fund" at all. I'm glad to hear the rest of your post and that 3 months may seem logical, but I have a question about this last part you wrote. In most cas...
by ThePrince
Sat Dec 01, 2018 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Considering residential real estate investment
Replies: 74
Views: 5354

Re: Considering residential real estate investment

I'm considering purchasing a condominium with cash in a college town (professional area, not college kids) that costs $200,000 (including cost for renovations). The property would be valued around $230,000 after renovations. I would like to then rent the property for a steady source of income. I am...
by ThePrince
Tue Nov 27, 2018 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Sell Stock or Student Loans for Grad School?
Replies: 13
Views: 705

Re: Sell Stock or Student Loans for Grad School?

Nate79 wrote:
Tue Nov 27, 2018 10:01 pm
I would not borrow money to invest in google stock, or any stock for that matter. Your portfolio is horribly diversified and even worse you want to leverage it. Very bad idea.
+1
by ThePrince
Tue Nov 27, 2018 9:56 pm
Forum: Investing - Theory, News & General
Topic: First Crypto ETF Index Fund launched!!! $HODL
Replies: 73
Views: 6678

Re: First Crypto ETF Index Fund launched!!! $HODL

First ETF for cryto aka "bitcoin" was released in Switzerland under $HODL. Finally!!! Basically, it looks like a crypto index fund that tracks the largest 5 crypto and rebalance based on market cap. I'm thinking of using my play money which is currently in "alternative assets" (aka commodities, tim...
by ThePrince
Tue Nov 27, 2018 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Program to Organize All Your Investing Accounts
Replies: 8
Views: 1060

Re: Program to Organize All Your Investing Accounts

Does anybody know of a good program or website that can help you organize your accounts so that you know what total percentage of stock and bonds you have? For instance, I have my 403 B with TIAA, His and Hers Roth IRA with Vanguard, 457 with ICMA-RC and old 403Bs with Trans America. I want to know...
by ThePrince
Mon Nov 26, 2018 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: paying off all but 1 dollar of CC
Replies: 83
Views: 8275

Re: paying off all but 1 dollar of CC

SoAnyway wrote:
Mon Nov 26, 2018 12:02 am
Other than the interest I once paid on a mortgage and student loans - that I minimized by overloading pre-payments on principal - I have always viewed interest as something I EARN, not something I pay to others. 800+ credit score for decades. YMMV, OP.

+1
by ThePrince
Mon Nov 26, 2018 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: $724k in debt and I want to buy a home.
Replies: 54
Views: 6559

Re: $724k in debt and I want to buy a home.

If it were me I would live like I was in serious debt, because you are. Live well below your means and pay down the debt. Then when the future income becomes a reality, and for some length of time, then and only then take on debt for a house. Too many people become comfortable leveraging their futu...
by ThePrince
Sun Nov 25, 2018 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 129
Views: 19915

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

Alex, If it can help, here are two posts I've written about asset allocation and rebalancing: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=262077&p=4182112#p4179086 https://www.bogleheads.org/forum/viewtopic.php?f=10&t=262077&p=4182112#p4181007 The main conclusion of the analysis is this: ...
by ThePrince
Wed Nov 21, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Sell RSUs at 18 month low or wait
Replies: 37
Views: 2551

Re: Sell RSUs at 18 month low or wait

If you didn't have RSUs, would you buy stock in your company today with the plan to sell it in three months? If yes, hold. If no, sell. This is the dilemma. I don't do short term buy/sell moves and only invest in total stock market and a small amount in sector ETFs (technology). Selling the individ...
by ThePrince
Wed Nov 14, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: 2 Fund Ports: Everything You NEED?
Replies: 32
Views: 4029

Re: 2 Fund Ports: Everything You NEED?

I’ve started directing new money to the Globalist portfolio (i.e., VT+BNDW). M1 Finance makes funding and portfolio management a breeze.
by ThePrince
Fri Nov 09, 2018 10:15 pm
Forum: Investing - Theory, News & General
Topic: Anyone ever “borrow” against their emergency fund?
Replies: 23
Views: 2561

Re: Anyone ever “borrow” against their emergency fund?

brad.clarkston wrote:
Mon Nov 05, 2018 11:01 pm
No not for something that shallow. Once you start taking from it you (as in general human beings) can/will start to rationalize just about any justification.

It's a EF fund keep it as such.
Bingo.
by ThePrince
Mon Oct 29, 2018 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Should I co-sign for relative?
Replies: 103
Views: 5048

Re: Should I co-sign for relative?

Rupert wrote:
Mon Oct 29, 2018 11:26 am
If they need a co-signer, they can't afford the car.
Bingo!
by ThePrince
Wed Oct 24, 2018 8:11 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why International Diversification Works
Replies: 119
Views: 9659

Re: Larry Swedroe: Why International Diversification Works

FIBoston wrote:
Wed Oct 24, 2018 1:27 pm
So basically what we're saying here is VT is the way to go for the equity portion of a portfolio?
That is what I have been moving towards.
by ThePrince
Wed Oct 24, 2018 8:08 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why International Diversification Works
Replies: 119
Views: 9659

Re: Larry Swedroe: Why International Diversification Works

Standard deviation is one measure of risk, but how do you quantify a future event where one country goes the way of Rome and you happen to be 100% invested in that one country? Why not spread out your eggs into multiple baskets if you "know" in advance the returns will be the same? You can enjoy th...
by ThePrince
Wed Oct 24, 2018 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Reaction to Market
Replies: 71
Views: 7783

Re: Reaction to Market

What is your alternative?
by ThePrince
Tue Oct 23, 2018 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Portfolio is crashing...
Replies: 36
Views: 4008

Re: Schwab Intelligent Portfolio is crashing...

After much research, a lot on this board, I decided to leave EDJ and roll my money into Scwab, this was in April 2018. After speaking with one of their reps, I decided to go with the Intelligent Advisory, solution. They also setup a brokerage account for me with about 15% of my assets. I had a tota...
by ThePrince
Sun Oct 21, 2018 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Robo or Self managed?
Replies: 15
Views: 1580

Re: Robo or Self managed?

Thanks guys for all your excellent recommendations. I've been looking into M1 Finance and would like to move my IRAs and old 401Ks to M1. Is that a good platform? Would like your expert advise on how to allocate funds (buy individual stocks or go with the Lazy portfolios) for my IRAs and old 401Ks....
by ThePrince
Wed Oct 17, 2018 1:39 pm
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 11607

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

jibantik wrote:
Tue Oct 16, 2018 10:41 pm
venkman wrote:
Tue Oct 16, 2018 9:50 pm
"Nobody knows nothin'. Except when it comes to whether or not you should own international stocks."
+1
lostdog wrote:
Tue Oct 16, 2018 10:01 pm
"Buy the haystack!" except for international...
+2

Go total world sheeple. It is THE boglehead fund.
This is what I have recently done. Otherwise, you’re placing bets.
by ThePrince
Sat Oct 13, 2018 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Home Depot Stock
Replies: 16
Views: 1820

Re: Home Depot Stock

Bogleheads, I have a friend who invested in Home Depot stock via its employee stock purchase plan back in 1996. These are common shares; he wasn't high up the food chain. As you can imagine, the modest amount he invested has grown quite a bit since then. I'm helping him simplify and improve his inv...
by ThePrince
Sat Oct 13, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Does Timing Matter? 3 Fund Portfolio
Replies: 39
Views: 2870

Re: Does Timing Matter? 3 Fund Portfolio

True - "exploded" was probably too strong of a term. Also - in response to the 30% bond allocation. It does seem like a lot, but I was just following what is recommended in Taylor Larimore's "The Bogleheads' Guide to the Three-Fund Portfolio" which says the bond allocation % should be around your a...
by ThePrince
Tue Oct 09, 2018 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: M1 Finance - Starting a 3 Fund Portfolio
Replies: 10
Views: 1319

Re: M1 Finance - Starting a 3 Fund Portfolio

I just opened an M1 account and effected the quintessential Bogleheads portfolio—Vanguard Total World Stock Index ETF (VT) and Vanguard Total World Bond Index (BNDW). Liking it thus far.
by ThePrince
Sun Oct 07, 2018 5:01 pm
Forum: Investing - Theory, News & General
Topic: Why not a 2 fund portfolio like Bogle suggests
Replies: 79
Views: 14384

Re: Why not a 2 fund portfolio like Bogle suggests

I don't have know of a real world way to compare the returns of a low cost fund of strictly US government bonds to low cost combination of US government bonds and USD hedged developed market sovereign bonds. As far as I know, such funds do not exist My contention, without evidence , is that there w...
by ThePrince
Sun Oct 07, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Short term investing
Replies: 7
Views: 646

Re: Short term investing

If the intention is for this money to constitute an emergency fund, take a look at Betterment’s Safety Net Portfolio.
by ThePrince
Sun Sep 30, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: New Relationship - Best way to handle finances?
Replies: 92
Views: 6997

Re: New Relationship - Best way to handle finances?

OP, run and don’t get yourself and family in a situation like this again.
by ThePrince
Sat Sep 29, 2018 10:02 am
Forum: Investing - Theory, News & General
Topic: SEC charges Musk with Fraud!
Replies: 117
Views: 10911

Re: SEC charges Musk with Fraud!!!

Warren Buffett claims that when you are long term holder of stock you are happy to see it go down in value cause can buy more cheaper. I like Warren and I like Tesla, a great American company, this is a good buying opportunity in the making, though I am patient to wait for further dips. Last time b...
by ThePrince
Sat Sep 29, 2018 9:42 am
Forum: Investing - Theory, News & General
Topic: Should we stay in Crazytown because there's no where to run?
Replies: 129
Views: 15192

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

ImUrHuckleberry wrote:
Sat Sep 29, 2018 9:09 am
People were saying the same thing 5 years ago and 4 years ago and 3 years ago...
+1
by ThePrince
Sun Sep 23, 2018 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 83
Views: 6525

Re: Emotional Investor - I'm a mess and need help!

camillus wrote:
Sun Sep 23, 2018 12:56 pm
Stated goal: Find a way to be more involved in investing.

Problem: You are a horrible investor. Sorry.

Solution: Change the goal so that you are involved as little as possible with your investing.
+1
by ThePrince
Fri Sep 21, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Recommend a To-do app please.
Replies: 28
Views: 2481

Re: Recommend a To-do app please.

OmniFocus for GTD adherents.
by ThePrince
Tue Sep 18, 2018 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Elderly parents are in debt - Need advice
Replies: 39
Views: 4892

Re: Elderly parents are in debt - Need advice

mptfan wrote:
Tue Sep 18, 2018 9:11 pm
Did your parents ask for your advice?
If he and/or his siblings will be the ones picking up the pieces and expense of his/their parent’s wreckless behavior and bad choices, he nor his siblings have to wait until asked before providing spot on advice.
by ThePrince
Mon Sep 17, 2018 10:40 pm
Forum: Investing - Theory, News & General
Topic: Equity in house / Do you use it?
Replies: 56
Views: 3657

Re: Equity in house / Do you use it?

JaneyLH wrote:
Mon Sep 17, 2018 10:31 pm
No. No. No.
+1
by ThePrince
Sat Sep 15, 2018 11:21 am
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 152
Views: 12237

Re: Age in Bonds - Still Recommended?

I want to retire early, so I won’t be following the age in bonds concept.
by ThePrince
Sun Sep 09, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else playing catch-up in their 40's?
Replies: 68
Views: 7492

Re: Anyone else playing catch-up in their 40's?

Yes, here are steps we've taken (to maximize saving): Get rid of Amazon prime. Too easy to spend money on crap you don't need. Get rid of cable. Use only a work mobile phone (if provided). Get rid of land line phone. Stop eating out. Learn to cook. If you eat out, find a reasonable place to eat out...
by ThePrince
Thu Sep 06, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 5225

Re: To Be or Not to Be...Married

Marriage is not a financial decision. I disagree! It is ALL about fiance, taxes, inheritance, estate. If it is only about love then one can commit to exclusive relationship, monogamy, without any ceremony, church, or religion. So does it follow that you would pick whom you marry (if at all) based o...