Search found 38 matches

by Slothmeister
Tue Oct 17, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: 2017 on pace as least volatile year on record
Replies: 3
Views: 492

2017 on pace as least volatile year on record

October is the month with the highest share of daily moves of 1 percent or more in either direction, but not this year. At least not yet.

https://www.bloomberg.com/news/articles ... arket-calm
by Slothmeister
Tue Oct 17, 2017 7:26 am
Forum: Investing - Help with Personal Investments
Topic: Help w/ parents investments
Replies: 22
Views: 819

Re: Help w/ parents investments

Maybe try to talk him into putting half of the stock investments in CDs? What kind of stocks does he have? If they're conservative stocks that won't disappear in a bear market, what's the worry? It sounds like he's got some revenue stream with real estate and a pension and medical care to boot. Mayb...
by Slothmeister
Mon Oct 16, 2017 10:26 am
Forum: Investing - Help with Personal Investments
Topic: [How to get started buying stocks]
Replies: 11
Views: 652

Re: How to get started buying stocks

Hi. I'm 52 and have been saving some money in a savings account, I have a 401K at work and I have a Roth IRA. I was interested in buying stocks and wondered if it was possible to start slow to get my feet wet and just buy one or two stocks at a time. If that is possible which site is best to do tha...
by Slothmeister
Mon Oct 16, 2017 10:18 am
Forum: Investing - Theory, News & General
Topic: 30th Anniversary of October 19, 1987 stock market crash
Replies: 29
Views: 1929

Re: 30th Anniversary of October 19, 1987 stock market crash

Those of us who have been investing for a while can't forget the memorable day of October 19, 1987. It's memorable because the S&P 500 lost over 20% of its value that day. Newer investors should think about how you'd feel if your equity allocation declined that much in a day. Two good articles look...
by Slothmeister
Fri Oct 13, 2017 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Large lump sum-how to invest
Replies: 5
Views: 615

Re: Large lump sum-how to invest

We just received a large payout on a property sale. We have approximately $220k on hand with a $380k new mortgage. Should we focus on paying down the new mortgage as fast as possible or invest the $220k? And if stocks are a good idea, lump sum or DCA? It also depends on how long you're willing to h...
by Slothmeister
Tue Oct 10, 2017 8:10 pm
Forum: Investing - Theory, News & General
Topic: Longterm Investing Renewable ETFs
Replies: 14
Views: 645

Re: Longterm Investing Renewable ETFs

I only know that renewable energy probably will be a big deal in the future. They already consist of over 20% of global energy share and it's only going to grow. Right now they're treading water with slight returns and with high expense rates and turnover ratio they are not very attractive. FAN and ...
by Slothmeister
Tue Oct 10, 2017 3:27 pm
Forum: Investing - Theory, News & General
Topic: Longterm Investing Renewable ETFs
Replies: 14
Views: 645

Re: Longterm Investing Renewable ETFs

Possibly TAN, FAN and/or ICLN

I could include nuclear. I'm not sure.
by Slothmeister
Tue Oct 10, 2017 2:04 pm
Forum: Investing - Theory, News & General
Topic: Longterm Investing Renewable ETFs
Replies: 14
Views: 645

Re: Longterm Investing Renewable ETFs

We will need high-density energy (oil, nat gas) for our lifetimes. Renewables are a tiny percentage of all energy sources. If you must do this, an ETF that really covered the sector would help avoid picking the losers. The problem with sector bets is that you can only put a small percentage in them...
by Slothmeister
Tue Oct 10, 2017 2:03 pm
Forum: Investing - Theory, News & General
Topic: Longterm Investing Renewable ETFs
Replies: 14
Views: 645

Re: Longterm Investing Renewable ETFs

"In other words you can see the changes coming, and I do, but I don't believe I can pick the winners. And they may not even exist yet." But isn't that why an ETF is perfect for this type investment since it has several companies within that make up the ETF? I'm not 100% sure of how an ETF works, but...
by Slothmeister
Tue Oct 10, 2017 12:25 pm
Forum: Investing - Theory, News & General
Topic: Longterm Investing Renewable ETFs
Replies: 14
Views: 645

Longterm Investing Renewable ETFs

I've invested into Fidelity - Total Stock, Total Int'l and 500, but I'm leery of putting all of my equity in these benchmark index funds for a 10-12 year run. From what I'm hearing, many on here don't think the market will return more than 5% in the next 10 years. Five percent isn't bad but it could...
by Slothmeister
Fri Oct 06, 2017 9:12 am
Forum: Investing - Theory, News & General
Topic: Does anyone hold cash?
Replies: 58
Views: 5529

Re: Does anyone hold cash?

20% in cash in a HYSA will give you some flexibility when rates change. Plus, 60% is way too much in bonds. I'd split the muni-bonds and equity in half since they have low correlation.
by Slothmeister
Thu Oct 05, 2017 11:20 am
Forum: Investing - Theory, News & General
Topic: Peter L. Bernstein: Cash BETTER than Bonds
Replies: 64
Views: 7343

Re: Peter L. Bernstein: Cash BETTER than Bonds

In an aging bull market, I like my fixed-income in CDs. It helps establish a strong disparity between it and my equities. Plus, it will deter me from tinkering.
by Slothmeister
Thu Oct 05, 2017 9:18 am
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9122

Re: Buy on Really Bad Days, Sell on Really Good Days?

Isn't the whole Buy on Really Bad Days, Sell on Really Good Days? philosophy at odds with Bogleheads mentality of buy and hold?
by Slothmeister
Thu Oct 05, 2017 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Shifting 100% Stock → 35% Stock & 65% Bonds / REITs
Replies: 52
Views: 6084

Re: Shifting 100% Stock → 35% Stock & 65% Bonds / REITs

I hope msterr invested in Admiral shares as it sounded like he/she had enough for them.
by Slothmeister
Thu Oct 05, 2017 7:31 am
Forum: Investing - Help with Personal Investments
Topic: Pay off mortgage instead of bond investment
Replies: 28
Views: 2142

Re: Pay off mortgage instead of bond investment

Pay it off! Then DCA into nice equity index fund(s) after the minimum (Admiral or Premium). Forget the bonds. Do some high-yield CDs instead. Maybe work a part time job. Forty-four is pretty young.
by Slothmeister
Mon Oct 02, 2017 3:09 pm
Forum: Investing - Theory, News & General
Topic: How do you avoid bad market timing for lump sum investments?
Replies: 67
Views: 6732

Re: How do you avoid bad market timing for lump sum investments?

It seems to me that if I do just a single large purchase, at an unlucky moment Well, an unlucky moment was September, 2008, when the last big crash occurred. See this Morningstar chart for the Vanguard Total Stock Market Fund to see how you would have done if you had invested that month. http://quo...
by Slothmeister
Tue Sep 19, 2017 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Invest in CDs rather than bonds
Replies: 9
Views: 1098

Re: Invest in CDs rather than bonds

nisiprius good explanation. KevinM is alot of help in this area. I recently bought my first online cd at Ally bank. The online bank worried me more than the market. Just some money I did not want in the market. But yes I agree it may be difficult to get the money when markets are crashing. So, like...
by Slothmeister
Tue Sep 19, 2017 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Invest in CDs rather than bonds
Replies: 9
Views: 1098

Re: Invest in CDs rather than bonds

So I was thinking of investing in an Intermediate Treasury Bond Index Fund because of it's non-correlation and to counter the Total Stock Market Index Fund in times of market loss. It's about a 1.5% forecast return in 5-years. A 5-year CD can be had at 2.4%. If rates rise, I can get out of the bank...
by Slothmeister
Tue Sep 19, 2017 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Invest in CDs rather than bonds
Replies: 9
Views: 1098

Re: Invest in CDs rather than bonds

It depends upon what you want from your fixed income allocation. The one advantage of the treasury fund is liquidity in a flight to safety. For example, if stocks tank and there is a flight to safety, the value of the treasury fund will increase and you can sell some of it to buy stocks on sale. Th...
by Slothmeister
Tue Sep 19, 2017 5:13 am
Forum: Investing - Help with Personal Investments
Topic: Invest in CDs rather than bonds
Replies: 9
Views: 1098

Invest in CDs rather than bonds

So I was thinking of investing in an Intermediate Treasury Bond Index Fund because of it's non-correlation and to counter the Total Stock Market Index Fund in times of market loss. It's about a 1.5% forecast return in 5-years. A 5-year CD can be had at 2.4%. If rates rise, I can get out of the bank ...
by Slothmeister
Fri Sep 15, 2017 8:50 pm
Forum: Investing - Theory, News & General
Topic: Distressing news -> Flight to Safety ?
Replies: 75
Views: 6973

Re: Distressing news -> Flight to Safety ?

Regarding treasury bonds, does anyone own Fidelity Long-Term Treasury Bond Index Fund - Premium Class? Would this be a decent bond fund during an equity drop?
by Slothmeister
Thu Sep 14, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Building a new Portfolio
Replies: 6
Views: 714

Re: Building a new Portfolio

I'm planning to ditch my current Financial Advisor with Wells Fargo and move my Traditional IRA over to Fidelity where I currently have a few other investment accounts. So I'm looking to build a new portfolio of 3-4 funds max. Weeding through all the different funds and assessing their ROI, ER, Ris...
by Slothmeister
Thu Sep 14, 2017 5:08 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund in my portfolio?
Replies: 42
Views: 3979

Re: Vanguard Health Care Fund in my portfolio?

"Greatly outperformed the rest of the market for a sustained period" should be a GIANT red flag for anyone thinking of investing in ANY given sector of the market. I think you have something, and I believe at some point, it will nose-dive, but how could a sector inherently necessary for survival be...
by Slothmeister
Thu Sep 14, 2017 5:06 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund in my portfolio?
Replies: 42
Views: 3979

Re: Vanguard Health Care Fund in my portfolio?

Any sort of legislation that results in the government having more power to negotiate health care prices could drive down costs (also driving down profits for health care providers). The health care sector obviously isn't going to go away, but the private profits generated by that system could perm...
by Slothmeister
Thu Sep 14, 2017 5:02 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund in my portfolio?
Replies: 42
Views: 3979

Re: Vanguard Health Care Fund in my portfolio?

I think you have something, and I believe at some point, it will nose-dive, but how could a sector inherently necessary for survival be in the dumps for an extended period? "Necessary for survival" does not guarantee profitability if reimbursements become limiting. Everyone needs food, so why aren'...
by Slothmeister
Wed Sep 13, 2017 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund in my portfolio?
Replies: 42
Views: 3979

Re: Vanguard Health Care Fund in my portfolio?

Well...while you're betting, take a look at Fidelity® Select Medical Equipment and Systems Portfolio (FSMEX) and its awesome returns for 1, 3, 5, AND 10 years! I bought just a little for fun, so I am not quite as committed as you. Wow! That's a lively fund. Very high returns, but of course the ER is...
by Slothmeister
Wed Sep 13, 2017 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund in my portfolio?
Replies: 42
Views: 3979

Re: Vanguard Health Care Fund in my portfolio?

"Greatly outperformed the rest of the market for a sustained period" should be a GIANT red flag for anyone thinking of investing in ANY given sector of the market. I think you have something, and I believe at some point, it will nose-dive, but how could a sector inherently necessary for survival be ...
by Slothmeister
Wed Sep 13, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund in my portfolio?
Replies: 42
Views: 3979

Re: Vanguard Health Care Fund in my portfolio?

My thought on the sector is that it has greatly outperformed the rest of the market for a sustained period. Also the demographics are right with baby boomers already starting to retire. Even if the US goes to a single payer system there are a lot of people that will still need healthcare. Another gr...
by Slothmeister
Wed Sep 13, 2017 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund in my portfolio?
Replies: 42
Views: 3979

Re: Vanguard Health Care Fund in my portfolio?

Nope, not for me I wouldn't. I am not interested in a sector bet and consider Healthcare to be extremely risky sector bet as it is too much tied to government policy compared to other sectors. I think you're right that it's tied to government policy, but I i've read that pharmaceuticals will play bi...
by Slothmeister
Wed Sep 13, 2017 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund in my portfolio?
Replies: 42
Views: 3979

Re: Vanguard Health Care Fund in my portfolio?

This is a pure gamble on your part; you have no idea if the HC fund will outperform the overall index; and it is far too large a portion of your portfolio to take such risk with. What if it underperforms for the next 10 years? If it underperforms, I'm thinking it still outperforms Total Stock Market...
by Slothmeister
Wed Sep 13, 2017 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Funds added to 401k
Replies: 15
Views: 1183

Re: Vanguard Target Retirement Funds added to 401k

Simplify and lower your expense ratio. I think that makes perfect sense. I'm sure others on here with much more knowledge will give you more insight.
by Slothmeister
Wed Sep 13, 2017 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund in my portfolio?
Replies: 42
Views: 3979

Vanguard Health Care Fund in my portfolio?

Does anyone think it's a good idea to start an investment portfolio that includes Vanguard Health Care Fund in the equities portion? Vanguard Health Care Fund 20% Vanguard Total Stock Market Admiral Shares 20% Vanguard Total Bond Market Index Fund Admiral Shares 40% Vanguard Total International Stoc...
by Slothmeister
Wed Sep 13, 2017 1:22 pm
Forum: Investing - Theory, News & General
Topic: What If U.S. Stocks Stay Expensive For Years?
Replies: 50
Views: 7317

Re: What If U.S. Stocks Stay Expensive For Years?

4% doesn't sound too good to me after expenses, taxes, and inflation.
by Slothmeister
Tue Sep 12, 2017 9:56 am
Forum: Investing - Theory, News & General
Topic: Another New Investor (Market Timing)
Replies: 36
Views: 2662

Re: Another New Investor (Market Timing)

It's hard to imagine the market staying at this trajectory much longer but the 1980 to 1999 timeframe says it's possible.
by Slothmeister
Sun Sep 10, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Opening accounts all at one place
Replies: 3
Views: 459

Re: Opening accounts all at one place

Good. Thanks! That's what I thought, yet I couldn't find an answer anywhere else online.
by Slothmeister
Sun Sep 10, 2017 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Opening accounts all at one place
Replies: 3
Views: 459

Opening accounts all at one place

Hello Bogleheads! I'm a newbie soon to join the index funds party (hopefully not too late). My question concerns having all of my accounts at one company--Fidelity. I have a 401k opened by my employer for almost 20 years, and I recently opened a Roth IRA, and now I want to open a brokerage account v...