Search found 3754 matches

by heyyou
Sun Sep 27, 2020 2:06 pm
Forum: Personal Investments
Topic: Standard Boglehead Portfolio plus Small Cap Value (SCV) tilt from AVUV. Does my tilt percentage make sense?
Replies: 28
Views: 1398

Re: Standard Boglehead Portfolio plus Small Cap Value (SCV) tilt from AVUV. Does my tilt percentage make sense?

OP, due to the ongoing boom in large growth tech stocks, small value is in the doldrums of performance, so 10% now is relative to a larger allocation at previous periods. The rebalancing of selling what has performed well in order to buy more of the laggards, is not easy.
by heyyou
Sat Sep 26, 2020 12:04 pm
Forum: Personal Investments
Topic: Is a Trust really needed today?
Replies: 18
Views: 1882

Re: Is a Trust really needed today?

My trust, suggested by a AUM advisor who definitely got a referral fee, cost my wife and I, age 40s adults with no kids, a month's pay in about year 2000. Now she has passed and a new lawyer has charged me a month's income, mentioning that some parts of the trust are irrevocable, but with no further...
by heyyou
Thu Sep 24, 2020 10:47 am
Forum: Personal Investments
Topic: How to get $200,000 into the market (dollar cost averaging or...)
Replies: 40
Views: 3354

Re: How to get $200,000 into the market (dollar cost averaging or...)

As usual, the amount to be invested in the stock market (with the rest in the bond market) is more dependent on what suits the investor's risk tolerance, than what is most statistically optimal. Somewhere there are studies showing that investing just before market crashes, is still successful for lo...
by heyyou
Sat Sep 19, 2020 1:31 pm
Forum: Personal Investments
Topic: Losing Money with Index Funds
Replies: 149
Views: 13687

Re: Losing Money with Index Funds

heyyou wrote: ↑Sat Sep 19, 2020 11:04 am Your car's value, changes over time, but the reduction is not realized until you do sell it. We all own shares of stock index funds, and each day the value of those shares changes, but we try to only sell them as we need the money in retirement since we have...
by heyyou
Sat Sep 19, 2020 12:43 pm
Forum: Personal Consumer Issues
Topic: Anybody else enjoy sitting around and doing little in retirement?
Replies: 106
Views: 14460

Re: Anybody else enjoy sitting around and doing little in retirement?

by basspond Volunteering has been more satisfying and fulfilling then any job I had. Only do it about once a week. I fell in with some very driven, high achievers so my volunteer work turned into several days scattered throughout the week, often weekends for help from those who still have jobs. It ...
by heyyou
Sat Sep 19, 2020 11:04 am
Forum: Personal Investments
Topic: Losing Money with Index Funds
Replies: 149
Views: 13687

Re: Losing Money with Index Funds

Your car's value, changes over time, but the reduction is not realized until you do sell it. We all own shares of stock index funds, and each day the value of those shares changes, but we try to only sell them as we need the money in retirement since we have seen how progressively higher inflation c...
by heyyou
Thu Sep 17, 2020 3:00 pm
Forum: Personal Consumer Issues
Topic: Prius owners...advice?
Replies: 22
Views: 2273

Re: Prius owners...advice?

I like my Prius (bought used), so the threat of a battery replacement is not a deterrent, it is just a future expense for which to be prepared. Yes, I bought the rebuilt battery when I needed one. My 181,000 mile, 2006 Prius is still getting about 48 MPG on highway trips and I live in a mountainous ...
by heyyou
Thu Sep 17, 2020 2:13 pm
Forum: Investing - Theory, News & General
Topic: any lessons to remember from dot com bubble?
Replies: 22
Views: 2208

Re: any lessons to remember from dot com bubble?

Each correction has a different trigger but losses are losses, from a distant view. I agree that in the late 1990s, the high valuations were tech companies, not dissimilar to today. Yes, the high tech then, is now just another commodity offered by many sources, and whatever products are the most des...
by heyyou
Wed Sep 16, 2020 2:31 pm
Forum: Investing - Theory, News & General
Topic: The Fed, Snowflake, and Stocks
Replies: 53
Views: 5794

Re: The Fed, Snowflake, and Stocks

So the future seems to have significant uncertainty these days. I suppose I will just hope to adapt my spending, in order to muddle through with my current allocation, knowing that choice will be imperfect. In retrospect, it has been good enough for the uncertainties of my previous forty years of in...
by heyyou
Tue Sep 15, 2020 11:15 pm
Forum: Investing - Theory, News & General
Topic: Ken Moraif must be getting nervous
Replies: 88
Views: 24767

Re: Ken Moraif must be getting nervous

Note that that vast majority of his funds under management came in well subsequent to the 2008 market sell "call" about which he likes to brag. The overwhelming majority of the billions (yes, $4.43 billion reported on latest form ADV) invested with Moraif's firm was invested subsequent to 2008, and...
by heyyou
Tue Sep 15, 2020 9:34 am
Forum: Personal Investments
Topic: Roth conversion-How fast
Replies: 26
Views: 2444

Re: Roth conversion-How fast

At the OP,
Quite often here, what "celia" posts on tax related questions, is one of the better responses.
You are on a good path with your intentions to convert from your traditional IRAs.
by heyyou
Tue Sep 15, 2020 9:10 am
Forum: Investing - Theory, News & General
Topic: VT as single fund, now post covid recession
Replies: 20
Views: 1529

Re: VT as single fund, now post covid recession

Donald Rumsfield said "We don't know, what we don't know." Uncertainty is constant, it is just opinions or perceptions about now being a time of post-this or post-that. Invest regardless, then just accept the inevitable consequences with their value fluctuations. Those are exactly the risks for whic...
by heyyou
Sat Sep 12, 2020 9:06 pm
Forum: Investing - Theory, News & General
Topic: How to invest in commodity as a buy&hold investor?
Replies: 15
Views: 1062

Re: How to invest in commodity as a buy&hold investor?

About the above graph, isn't Oil often the largest holding in a commodities fund? It is likely the largest traded commodity.
by heyyou
Fri Sep 11, 2020 7:42 am
Forum: Investing - Theory, News & General
Topic: Index Funds - Dangerous?
Replies: 46
Views: 3769

Re: Index Funds - Dangerous?

Living in an imperfect world is so bothersome.
by heyyou
Wed Sep 09, 2020 8:35 am
Forum: Investing - Theory, News & General
Topic: Are the days of 7% avg index returns over?
Replies: 65
Views: 9562

Re: Are the days of 7% avg index returns over?

His money or his investors' money?
by heyyou
Tue Sep 08, 2020 8:42 am
Forum: Investing - Theory, News & General
Topic: Are the days of 7% avg index returns over?
Replies: 65
Views: 9562

Re: Are the days of 7% avg index returns over?

by columbia » Projecting any level of returns seems unwise - you take what the market gives you. (It does raise the question of investors engaging in "planning", where they actually do speculate on future returns - it seems silly.) That view suits me. Yes, the article is well written, but the theme...
by heyyou
Mon Sep 07, 2020 3:57 pm
Forum: Investing - Theory, News & General
Topic: What online sources do you recommend for investing & market news?
Replies: 12
Views: 892

Re: What online sources do you recommend for investing & market news?

Market news did not ever help my portfolio grow. My automatic saving and steady investing, regardless of market news, is what mattered.
by heyyou
Sat Sep 05, 2020 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on condos?
Replies: 65
Views: 5727

Re: Thoughts on condos?

First, rent the type of dwelling that you are considering, in or near the neighborhood, before you buy. Some commutes are worse than others, or there is a busy fire station nearby, etc. My condo was very near a high school so the kids came there on weekdays to smoke off-campus, then peed in the elev...
by heyyou
Sat Sep 05, 2020 3:02 pm
Forum: Personal Consumer Issues
Topic: Do you have a lot of "actions" in your retirement life?
Replies: 68
Views: 7856

Re: Do you have a lot of "actions" in your retirement life?

Having retired at 55, my volunteer work was far more fulfilling than anything I ever did for money. Backpacking without any time constraints other than food supply, felt like a new type of freedom. I backpacked when the weather was good, between storms in the winter (start home when the cirrus cloud...
by heyyou
Sat Sep 05, 2020 1:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Now Has The First Trillion-Dollar Fund
Replies: 25
Views: 4132

Re: Vanguard Now Has The First Trillion-Dollar Fund

VXF (an ETF) and VEXMX (VEXAX is the admiral shares of the same mutual fund) are the VG products designed to complete total market exposure for those who already own an S&P 500 fund elsewhere. Perhaps it is not convenient to sell the 500 shares and buy into the total market due to cap gains in a tax...
by heyyou
Fri Sep 04, 2020 1:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Now Has The First Trillion-Dollar Fund
Replies: 25
Views: 4132

Re: Vanguard Now Has The First Trillion-Dollar Fund

From a search for MOAT fund, this was at ETF.com MOAT Factset Analytics Insight Despite its safe-sounding name, MOAT makes radical departures from market-like coverage. It holds a small portfolio of stocks identified by Morningstar's equity research team as attractively priced with sustainable compe...
by heyyou
Fri Sep 04, 2020 1:17 pm
Forum: Personal Investments
Topic: leveraged inverse FAANG ETF as a hedge?
Replies: 19
Views: 1351

Re: leveraged inverse FAANG ETF as a hedge?

Consider some alternatives to trying to maintain current asset levels. With a 50/50 allocation you could theoretically spend for 15 years of retirement before selling your first shares of equity funds. Because our equity funds have grown, there is room for them to fall a long ways, and still have ad...
by heyyou
Thu Sep 03, 2020 1:32 pm
Forum: Investing - Theory, News & General
Topic: REITs and the changing economy
Replies: 14
Views: 1374

Re: REITs and the changing economy

I'm not looking to boost my returns from studying portions of the stock market. My best performance has been from living below my means to save more to invest. Others are welcome to do what suits them.
by heyyou
Thu Sep 03, 2020 1:26 pm
Forum: Investing - Theory, News & General
Topic: US Large Growth vs Everything Else
Replies: 11
Views: 1054

Re: US Large Growth vs Everything Else

I've seen enough in my time, to not trust Large Growth with all of my assets, due the timing of when I might need to spend some of those assets. My retirement was delayed by the 2000 Crash, even though I owned portions of 500 different companies. If you had to pick one of the above sectors to outper...
by heyyou
Wed Sep 02, 2020 1:01 pm
Forum: Personal Investments
Topic: Annuitizing vs. 4% withdrawls
Replies: 45
Views: 2617

Re: Annuitizing vs. 4% withdrawls

She originally thought an annuity is a good idea because that's what her friends have done. Reconsider Option 1, since she is the one who needs to Sleep Well At Night (SWAN). You are wise to have suggested the split investments of annuity plus backup. There might be less uncertainty next year. Perh...
by heyyou
Tue Sep 01, 2020 9:31 pm
Forum: Personal Investments
Topic: Annuitizing vs. 4% withdrawls
Replies: 45
Views: 2617

Re: Annuitizing vs. 4% withdrawls

Whatever is chosen, the other choice will likely do better in the long run. That is just how the cookie crumbles. As the son-in-law, and not a direct descendant, stay quiet about your opinion but do make sure that the choices that are offered, are all good enough. Let your wife help her choose, do n...
by heyyou
Tue Sep 01, 2020 9:47 am
Forum: Personal Investments
Topic: SWR for 81 year old widow?
Replies: 21
Views: 1396

Re: SWR for 81 year old widow?

Another vote for the methods that use the reciprocal of the expected remaining lifetime, as the withdrawal percentage from the remaining portfolio value each year . Yes, that is variable income but that variation has the built-in safety of not overspending if the portfolio value has fallen along wit...
by heyyou
Sun Aug 30, 2020 3:48 pm
Forum: Investing - Theory, News & General
Topic: If I fear inflation, should I overweight international stocks/gold?
Replies: 32
Views: 2648

Re: If I fear inflation, should I overweight international stocks/gold?

Choose an allocation that you can stay with from now on. I suppose I will just have to muddle through whatever economic situation does occur. Patience is fullness. So far, trying to allocate to buffer every possible scenario has been too expensive when the buffers were not being productive for decad...
by heyyou
Sun Aug 30, 2020 3:08 pm
Forum: Personal Consumer Issues
Topic: What expenditures improved your happiness/quality of life?
Replies: 217
Views: 39757

Re: What expenditures improved your happiness/quality of life?

Paying for internet service led me to the VG Diehards at M* forums which helped me to retire early.
by heyyou
Sun Aug 30, 2020 2:05 pm
Forum: Investing - Theory, News & General
Topic: Withdrawl Strategy
Replies: 25
Views: 3225

Re: Withdrawl Strategy

At the OP: Each annual Roth conversion seems small, but over longer periods, they do make a difference since they are holding only stock index funds. At sometime in the distant future, you will smile about having worked at calculating the amounts to convert each December. On December 10th, the divid...
by heyyou
Sun Aug 30, 2020 4:45 am
Forum: Personal Consumer Issues
Topic: Retaining wall advice?
Replies: 6
Views: 735

Re: Retaining wall advice?

the least expensive solution may be for you to construct a new retaining wall of a different design than the existing one just inside your property from the existing one. This would hide the deteriorating wall and prevent any landslide. Good advice from several posters here. Leave the current walls...
by heyyou
Sun Aug 30, 2020 3:10 am
Forum: Personal Consumer Issues
Topic: What expenditures improved your happiness/quality of life?
Replies: 217
Views: 39757

Re: What expenditures improved your happiness/quality of life?

Retirement became the best years of my life. That is an ongoing expense. We bought keepsakes of the destinations of our significant wedding anniversaries, which helped to later, trigger good memories of the occasion for our being there. One is a small ring with local stone, bought in the old mining ...
by heyyou
Sun Aug 23, 2020 5:06 pm
Forum: Investing - Theory, News & General
Topic: Well written article on Stock Bubbles, likely by Morgan Housel
Replies: 5
Views: 1055

Well written article on Stock Bubbles, likely by Morgan Housel

https://www.collaborativefund.com/uploads/Collaborative%20Fund%20Bubbles.pdf The PDF does not have an author listed but the tone is right for Morgan Housel. The thesis is how stock market prices are driven by the short term traders with far different goals than we buy and hold investors. That sound...
by heyyou
Sat Aug 22, 2020 12:44 pm
Forum: Investing - Theory, News & General
Topic: Nearly all gains from the S&P 500 are from Tech stocks is this normal?
Replies: 44
Views: 5127

Re: Nearly all gains from the S&P 500 are from Tech stocks is this normal?

"is this normal?" That too will fluctuate. Note how the market seems to always be defying what you think you know. Wikipedia, so do consider the source. In the United States, the term Nifty Fifty was an informal designation for fifty popular large-cap stocks on the New York Stock Exchange in the 196...
by heyyou
Sat Aug 22, 2020 11:48 am
Forum: Personal Investments
Topic: Should I get a financial planner (fiduciary)?
Replies: 33
Views: 1762

Re: Should I get a financial planner (fiduciary)?

Your guy thinks "fiduciary" means he can't put you in sham, illegal investments, stealing your money, then he legally offers you financial products with higher commissions and higher annual fees for him and his employer. The guy is touting whole life insurance which is the type with the highest comm...
by heyyou
Sat Aug 22, 2020 9:50 am
Forum: Personal Consumer Issues
Topic: Thoughts on sewage lift station in new home?
Replies: 37
Views: 2751

Re: Thoughts on sewage lift station in new home?

As Sandtrap mentioned in his first post, can you just build a taller house to get above the sewage line? In cold climates, rooms above an unheated garage, are harder to heat, which is an ongoing cost, not just the price of the lift pump. Maybe design extra space for more insulation and/or use spray ...
by heyyou
Thu Aug 20, 2020 9:14 pm
Forum: Investing - Theory, News & General
Topic: Cannot Get Myself To Index
Replies: 29
Views: 2991

Re: Cannot Get Myself To Index

The problem is we have to take the risks now, to get the much later rewards. That dang 500 index in my 401k had 25 years of my buying into the threat of future downturns, and some of them happened on the way to early retirement, but somehow the economy and the stock market recovered to even higher h...
by heyyou
Thu Aug 20, 2020 8:38 pm
Forum: Personal Investments
Topic: What is your asset allocation and what future % returns are you expecting?
Replies: 91
Views: 6045

Re: What is your asset allocation and what future % returns are you expecting?

We had no expectations about future returns, we just saved all we could until my age 55, expecting to continue to live within our means during retirement on pension plus portfolio. It is embarrassing to admit my ignorance of calculating future spending potential, using return assumptions. We just kn...
by heyyou
Wed Aug 19, 2020 7:18 pm
Forum: Investing - Theory, News & General
Topic: How much can you safely withdraw from IRA
Replies: 8
Views: 737

Re: How much can you safely withdraw from IRA

How much can you safely withdraw from IRA? See the research paper written by Sun and Webb at Boston College's Center for Retirement Research. It says to spend your annual interest and dividends, plus an amount equal to last year's financial account balance (not just your IRA) divided by a number th...
by heyyou
Wed Aug 19, 2020 5:48 pm
Forum: Personal Consumer Issues
Topic: E-Bike- where to start
Replies: 19
Views: 1990

Re: E-Bike- where to start

Bolton at Bolton Ebikes has reviewed many bikes on YouTube, and he sells Chinese made ebikes, but I have not yet bought an ebike. Even his bikes will need servicing so consider him as only an info source. His website has a list of questions to help you decide which type and size of ebike would bette...
by heyyou
Tue Aug 18, 2020 4:13 pm
Forum: Investing - Theory, News & General
Topic: Latest Thoughts from Larry Swedroe
Replies: 35
Views: 5341

Re: Latest Thoughts from Larry Swedroe

by Bitzer » Sun Aug 16, 2020 8:55 am Um, I'm going to pass on Larry. Still stinging from losses on commodities and QSPIX. I too have stopped giving Larry even a click on a site, because my money was acquired by living below my means. QSPIX is at 66% of its opening price after almost 7 years, curren...
by heyyou
Tue Aug 18, 2020 2:29 pm
Forum: Investing - Theory, News & General
Topic: Investors Are Clinging to an Outdated Strategy — At the Worst Possible Time
Replies: 93
Views: 12136

Re: Investors Are Clinging to an Outdated Strategy — At the Worst Possible Time

So far, staying the course during uncertain times in spite of "sky is falling" forecasts from biased sources, has worked fine for those of us who don't have deep insights into economics. I too agree with Firechief who discerned the difference between expecting lower returns for a while in the near f...
by heyyou
Sun Aug 16, 2020 10:49 pm
Forum: Investing - Theory, News & General
Topic: Investors Are Clinging to an Outdated Strategy — At the Worst Possible Time
Replies: 93
Views: 12136

Re: Investors Are Clinging to an Outdated Strategy — At the Worst Possible Time

As mentioned previously by several, using different wording, I suppose that I will just have to muddle through the future, trying to adapt my spending to whatever my portfolio will tolerate. Oh, I'm already doing that by using the RMD % withdrawal plan based on each recent annual portfolio value. As...
by heyyou
Sat Aug 15, 2020 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Did any inheritance make positive effect on your life?
Replies: 229
Views: 19020

Re: Did any inheritance make positive effect on your life?

Inherited $50,000 from my Dad's demise, in 1978. Guided by my tax prep/high fee investment advisor who retired early to the beach in eastern Australia soon afterwards (he wisely left town), I invested in several limited partnerships (supposedly diversification) buying Arizona farm land in the path o...
by heyyou
Fri Aug 14, 2020 8:35 pm
Forum: Investing - Theory, News & General
Topic: Is Total Market Diversification Meant to Be Cap Weighted?
Replies: 145
Views: 6226

Re: Is Total Market Diversification Meant to Be Cap Weighted?

nzahir, Some posters here may split their holdings into three equal sized slices of the cap-weighted market, as a preference to owning so much of the giant cap stocks. That may reduce their long term gains by a small amount, or not, but even their reduced gains will likely be good enough. Those inve...
by heyyou
Thu Aug 13, 2020 8:03 am
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 66
Views: 7448

Re: Rice Cooker

For the poster who re-started this thread with an inquiry about investing in an expensive rice cooker: I don't see the need for one. Is your current rice cooker not performing well for your specific uses, or would this be your first dedicated rice cooker? My rice cooker is a little one (Aroma maybe)...
by heyyou
Mon Aug 10, 2020 2:28 pm
Forum: Personal Consumer Issues
Topic: Autotrader bait and switch
Replies: 39
Views: 4229

Re: Autotrader bait and switch

by Kenkat » Mon Aug 10, 2020 1:03 pm Try responding with this: Ok, thanks, let me know if you can locate any similar vehicles to the one that has sold. I am working with [insert the name of their biggest competitor here] on a similar vehicle and wanted to check to see if you had anything else as we...
by heyyou
Mon Aug 10, 2020 2:21 pm
Forum: Personal Investments
Topic: Is not making early mortgage payments a good hedge against inflation?
Replies: 20
Views: 2112

Re: Is not making early mortgage payments a good hedge against inflation?

but have been seeing lots of talk about adding .... Beware or be aware of reacting to whatever doomsday future that is suggested anywhere, especially in the media where their daily attention-getting headlines, accurate or otherwise, are what keeps them in business. In the long view, there will ofte...
by heyyou
Thu Aug 06, 2020 12:33 pm
Forum: Investing - Theory, News & General
Topic: Broad commodity investing with iShares CMDY ETF
Replies: 53
Views: 2127

Re: Broad commodity investing with iShares CMDY ETF

PCRIX a commodities futures fund June 28, 2002, $20 a share adjusted introductory price (2 to 1 share consolidation along the way, due to threat of its being delisted at its low price) Eighteen years later, June 28, 2020, $5.05 a share. Very much like a pacifier offered during the 2008 stock market ...
by heyyou
Wed Aug 05, 2020 11:25 pm
Forum: Investing - Theory, News & General
Topic: Inflation - something to worry about?
Replies: 26
Views: 2505

Re: Inflation - something to worry about?

Having the expectation of adapting to major changes, reduces the worry about future economic situations.