Search found 389 matches

by ThePrince
Sat May 25, 2019 7:43 pm
Forum: Non-US Investing
Topic: Vanguard Austalia launches global multifactor fund/etf
Replies: 5
Views: 467

Re: Vanguard Austalia launches global multifactor fund/etf

I’m waiting on the U.S. listed version of a Vanguard global multi-factor fund. If not that, then at least an international one.
by ThePrince
Sat May 25, 2019 7:39 pm
Forum: Investing - Theory, News & General
Topic: Around 43K in dividends last year - feel good about it ?
Replies: 188
Views: 20406

Re: Around 43K in dividends last year - feel good about it ?

You should feel terrible about the $14K in taxable dividends. Terrible? Seriously? Sometimes I think some people on this forum live in an alternate universe. You should feel proud. That is an excellent accomplishment. Your total dividends is more than my annual salary. Keep up the good work. Exactl...
by ThePrince
Sun May 12, 2019 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Move out or stay at my parents?
Replies: 70
Views: 4824

Re: Move out or stay at my parents?

samsoes wrote:
Sun May 12, 2019 3:23 pm
Move out. You're almost 28. Time to leave the nest.
+1
by ThePrince
Sat May 11, 2019 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Continue working for benefit of adult children or retiring earlier?
Replies: 87
Views: 6277

Re: Continue working for benefit of adult children or retiring earlier?

furnace wrote:
Fri May 10, 2019 4:24 pm
DonIce wrote:
Fri May 10, 2019 4:18 pm
At some point the bird has to leave the nest and fly on its own wings.
The sooner, the better for all involved.
+1
by ThePrince
Sun Mar 31, 2019 7:57 am
Forum: Personal Investments
Topic: Monthly pension or rollover?
Replies: 8
Views: 1018

Re: Monthly pension or rollover?

Roll it.
by ThePrince
Sun Mar 24, 2019 12:45 pm
Forum: Investing - Theory, News & General
Topic: The $4,026,858.95 Car or a Worry-Free Retirement?
Replies: 245
Views: 11835

Re: The easiest way I know to save money for retirement is to own an inexpensive automobile.

In another thread Taylor said "The easiest way I know to save money for retirement is to own an inexpensive automobile." I disagree with this advice. The easiest way to save for retirement is automatic payroll deductions. Once you are saving enough, it really does not matter how you spend the rest ...
by ThePrince
Sun Mar 03, 2019 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: How To Buy Another Home Before Selling Your First?
Replies: 19
Views: 2065

Re: How To Buy Another Home Before Selling Your First?

montanagirl wrote:
Sun Mar 03, 2019 7:05 pm
Smart people I know get the old place sold, rent another place for a year or so keep unneeded items in storage. .
Precisely.
by ThePrince
Mon Feb 18, 2019 10:32 pm
Forum: Personal Investments
Topic: strategy to re-enter the market
Replies: 47
Views: 4205

Re: strategy to re-enter the market

gram wrote:
Mon Feb 18, 2019 6:01 pm
For those exited the market 5+ years ago for whatever reason, what is the recommended portfolio to re-enter the current crazy market for both retirement and non-retirement accounts. Assuming 10+ years away from retirement.
Was the market ‘crazy’ 5+ years ago when you exited?
by ThePrince
Fri Feb 01, 2019 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you need to live on 200k/ year forever?
Replies: 90
Views: 12565

Re: How much do you need to live on 200k/ year forever?

jebmke wrote:
Fri Feb 01, 2019 6:36 pm
How long is forever? Doesn't the body crap out at some point?
LOL.
by ThePrince
Mon Jan 21, 2019 9:54 pm
Forum: Investing - Theory, News & General
Topic: One Fund to Rule Them All
Replies: 52
Views: 4791

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: Personal Investments
Topic: I know market timing is a fool's game but...
Replies: 59
Views: 4922

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: 274
Views: 23719

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: Personal Investments
Topic: VTI ITOT or SCHB ETF?
Replies: 12
Views: 1223

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: 1745

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: 5023

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: 5968

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: Personal Investments
Topic: Anyone rebalancing?
Replies: 36
Views: 2370

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: 15918

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: 2211

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: Personal Investments
Topic: Rebalance or wait?
Replies: 5
Views: 710

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: 5111

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: Personal Investments
Topic: Can a three fund portfolio beat a fool?
Replies: 47
Views: 3047

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: 9333

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: Personal Investments
Topic: Trying not to use the term timing, but...
Replies: 23
Views: 1978

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: 1243

Re: Advice For My Age Update

Flee the lending club and crypto. Yikes.
by ThePrince
Sat Dec 01, 2018 6:56 pm
Forum: Personal Investments
Topic: What is the lowest 'safe' emergency fund we should have?
Replies: 40
Views: 4050

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: Personal Investments
Topic: Considering residential real estate investment
Replies: 74
Views: 5602

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: Personal Investments
Topic: Sell Stock or Student Loans for Grad School?
Replies: 13
Views: 728

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: 6866

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: Personal Investments
Topic: Program to Organize All Your Investing Accounts
Replies: 8
Views: 1108

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: 8460

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: Personal Investments
Topic: $724k in debt and I want to buy a home.
Replies: 54
Views: 6675

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: Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 132
Views: 22383

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: 2607

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: 4348

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: 2633

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: 5173

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: 9947

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: 9947

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: Personal Investments
Topic: Reaction to Market
Replies: 71
Views: 7889

Re: Reaction to Market

What is your alternative?
by ThePrince
Tue Oct 23, 2018 8:06 pm
Forum: Personal Investments
Topic: Schwab Intelligent Portfolio is crashing...
Replies: 36
Views: 4213

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: Personal Investments
Topic: Robo or Self managed?
Replies: 15
Views: 1637

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: 12090

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: Personal Investments
Topic: Home Depot Stock
Replies: 16
Views: 1870

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: Personal Investments
Topic: Does Timing Matter? 3 Fund Portfolio
Replies: 39
Views: 2904

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: Personal Investments
Topic: M1 Finance - Starting a 3 Fund Portfolio
Replies: 10
Views: 1659

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: 85
Views: 17415

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: Personal Investments
Topic: Short term investing
Replies: 7
Views: 679

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.