Search found 140 matches

by rudeboy
Tue Mar 26, 2019 8:09 am
Forum: Investing - Theory, News & General
Topic: Does the 4% rule work for a 'world' portfolio?
Replies: 60
Views: 4698

Re: Does the 4% rule work for a 'world' portfolio?

My conclusion that if your government gets overthrown or your country gets bombed into rubble, 4% withdrawals probably won't work. I WOULD be interested in a world study over a much shorter period, like from 1960 to today. Going back further in Europe makes the data LESS relevant, not more. This ha...
by rudeboy
Tue Mar 26, 2019 8:08 am
Forum: Investing - Theory, News & General
Topic: Does the 4% rule work for a 'world' portfolio?
Replies: 60
Views: 4698

Re: Does the 4% rule work for a 'world' portfolio?

lostdog wrote:
Mon Mar 25, 2019 9:45 am
What he is asking is if someone were to invest in Vanguard Total World fund, would the 4% rule work?
Exactly. Thank you.
by rudeboy
Sun Mar 24, 2019 11:33 am
Forum: Investing - Theory, News & General
Topic: Does the 4% rule work for a 'world' portfolio?
Replies: 60
Views: 4698

Re: Does the 4% rule work for a 'world' portfolio?

The proper framing of the question is: In the past, did the 4% rule work for a world portfolio? No one knows how it will work in the future. And one should really ask about stock/bond allocation and about success rates too, in order to get a fuller picture of the past performance. Well, yes, obviou...
by rudeboy
Sun Mar 24, 2019 11:18 am
Forum: Investing - Theory, News & General
Topic: Does the 4% rule work for a 'world' portfolio?
Replies: 60
Views: 4698

Re: Does the 4% rule work for a 'world' portfolio?

Exactly what I was looking for. Thanks!
by rudeboy
Sun Mar 24, 2019 9:57 am
Forum: Investing - Theory, News & General
Topic: Does the 4% rule work for a 'world' portfolio?
Replies: 60
Views: 4698

Does the 4% rule work for a 'world' portfolio?

I've looked and haven't found any kind of discussion as to whether the 4% withdrawal rule in retirement would be appropriate for portfolios with an international allocation. The 'Trinity study' featured a number of sliced and diced portfolios, but all of them consisted of some combination of US stoc...
by rudeboy
Mon Jan 21, 2019 9:35 pm
Forum: Investing - Theory, News & General
Topic: One Fund to Rule Them All
Replies: 52
Views: 5333

Re: One Fund to Rule Them All

It took me 9 years longer than it did your daughter to reach the same conclusion.
by rudeboy
Wed Jan 09, 2019 10:36 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 2131
Views: 223890

Re: U.S. stocks continue to soar!

While its nice to see my account go back up I was kinda hoping this downturn would last a bit longer so I could buy a bit more at reduced prices. I suppose it could easily start going back down at any moment. Seriously. I completely missed the last run up, since I had pretty much nothing invested y...
by rudeboy
Mon Jan 07, 2019 2:38 pm
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 241
Views: 23886

Re: What is your allocation to U.S. and International?

I ride with the global market cap, because I'm a know-nothing.
by rudeboy
Wed Jan 02, 2019 7:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12414
Views: 2145388

Re: U.S. stocks in free fall

samsoes wrote:
Wed Jan 02, 2019 7:05 pm
Oh Heavens to Betsy, will someone please put this thread out of its misery?!?!?!

Lock it and throw away the key!!
“If you strike me down, I shall become more powerful than you can possibly imagine.” -- this thread
by rudeboy
Wed Jan 02, 2019 9:41 am
Forum: Investing - Theory, News & General
Topic: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?
Replies: 160
Views: 9622

Re: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?

Curious what the rationale is to max the Roth IRA on Jan 1 rather than max the HSA or contribute to 401k. I can guess. 1. Money was saved up in 2018 for this purpose. 2. 401(k) comes from paychecks and so contributions cannot be made this early. Company matches are often tied to paycheck contributi...
by rudeboy
Mon Dec 31, 2018 8:45 am
Forum: Investing - Theory, News & General
Topic: International Funds Still Relevant in a Simple Portfolio?
Replies: 74
Views: 5885

Re: International Funds Still Relevant in a Simple Portfolio?

Yes, they are still relevant.

If you want to buy low and sell high, you really do have to buy low.
by rudeboy
Thu Dec 27, 2018 1:00 pm
Forum: Investing - Theory, News & General
Topic: Another take on international vs S&P 500
Replies: 17
Views: 1431

Re: Another take on international vs S&P 500

OP, Many of us here take findings such as these into account when we decided to forgo investing in international funds. This view is shared by many here, including Mr. Bogle himself, so you would be in good company should you decide to skip the unique risks associated with international funds and i...
by rudeboy
Tue Dec 25, 2018 4:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard says international will beat US stocks in next decade
Replies: 155
Views: 16536

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

staycalm wrote:
Tue Dec 25, 2018 3:11 pm
I'll see your "corruption drag" and raise you one "Individual-1" drag
Lol.
by rudeboy
Mon Dec 24, 2018 1:29 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12414
Views: 2145388

Re: U.S. stocks in free fall

Times like these, I like to remind myself of one of the most ornery statements about investing I have ever heard:

"If you can't stomach 50% declines in your investment, you will get the mediocre returns you deserve." -- Charlie Munger
by rudeboy
Mon Dec 24, 2018 1:16 pm
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 255
Views: 25591

Re: Whose buying today? where's all the "dry powder" folks at? :)

I'm holding off til January...or until the volatility settles down a bit. I'm not very good at catching falling knives! You are best off buying into maximum fear... If its less volatile in January then i'm willing to be priced will be higher then. I'd start averaging in now. I have some cash on the...
by rudeboy
Thu Dec 20, 2018 3:30 pm
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 255
Views: 25591

Re: Whose buying today? where's all the "dry powder" folks at? :)

I have had cash on the sidelines for a few weeks while I wait for tax-advantaged space to open up in the New Year. I will be buying in with a good chunk of cash on Jan. 1, regardless of where the market goes from here.
by rudeboy
Thu Dec 06, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 14000

Re: Who else is getting excited?

Quick question: Given 2019 is a few weeks away, does it make sense to hold some cash on the sidelines until I can put it into a tax advantaged account, or to put all investable cash into a taxable account now?
by rudeboy
Thu Nov 15, 2018 11:25 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 116466

Re: How much international stock? A suggestion.

Yet in the Vanguard Total Stock Market around 40% of returns come from international through multi-national corporations while between 5-10% in the Total Bond market comes from Yankee Bonds. So in a 60/40 with both funds this equates to around 24%-28% of returns already coming from international ex...
by rudeboy
Wed Nov 14, 2018 3:52 pm
Forum: Investing - Theory, News & General
Topic: 2 Fund Ports: Everything You NEED?
Replies: 32
Views: 4741

Re: 2 Fund Ports: Everything You NEED?

I hope so as I am VT + BND.

It's not likely to outpace the field, but it's hard to imagine it not producing a good enough outcome as long as I keep up my end of the deal.
by rudeboy
Wed Nov 14, 2018 8:17 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 116466

Re: How much international stock? A suggestion.

ex-US would need to outperform US by 2 to 1 over the next 30 years, for it to pull even over 60 years. Possible? Yes. Probable?... I own 25%; we shall see. That means nothing to a young person. If ex-US outperforms US by a mere 1.1 to 1 over the next 30 years, it will have been the superior investm...
by rudeboy
Tue Nov 13, 2018 7:06 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 116466

Re: How much international stock? A suggestion.

ex-US would need to outperform US by 2 to 1 over the next 30 years, for it to pull even over 60 years. Possible? Yes. Probable?... I own 25%; we shall see. That means nothing to a young person. If ex-US outperforms US by a mere 1.1 to 1 over the next 30 years, it will have been the superior investm...
by rudeboy
Tue Nov 13, 2018 6:01 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 116466

Re: How much international stock? A suggestion.

Bogle claimed that international investing wasn't necessary , and he since he made that statement, he has been unequivocally correct. You can call it luck or anything else you want, but there's no denying that the results have supported his affirmation. Bogle has not been unequivocally correct. To ...
by rudeboy
Fri Nov 09, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 2131
Views: 223890

Re: U.S. stocks continue to soar!

H-Town wrote:
Fri Nov 09, 2018 11:50 am
No one here?

U.S. stocks in free fall thread will welcome ya'll back with open arms.
My IPS tells me to diversify 50/50 between the freefall and soar threads. :D
by rudeboy
Wed Nov 07, 2018 3:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 2131
Views: 223890

Re: U.S. stocks continue to soar!

It's days like today that I wish I wasn't holding international at market weight! :D Go USA! :sharebeer It's days like today I am glad I'm holding global equites at market weight, because this morning I had no idea what the day would bring, but I was prepared to catch all the upside. :sharebeer
by rudeboy
Tue Nov 06, 2018 10:52 am
Forum: Investing - Theory, News & General
Topic: WSJ: Sometimes, It’s Bonds For the Long Run
Replies: 72
Views: 6934

Re: WSJ: Sometimes, It’s Bonds For the Long Run

The thing I keep coming back to on bonds, is: a) They are cheap. BND is nearing it's 2008 nadir. b) There is a certain zeitgeist at the moment that 'bonds are unnecessary' c) 'Rising interest rates' fears are scaring people away d) Equities have had fantastic returns in recent years In a way, the cu...
by rudeboy
Mon Nov 05, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Sometimes, It’s Bonds For the Long Run
Replies: 72
Views: 6934

Re: WSJ: Sometimes, It’s Bonds For the Long Run

William J. Bernstein has also commented on this in his essay, only two centuries of data. Thanks for this link. It's a very interesting perspective. It appears this article was written in 2002. I would be very curious to hear Bernstein's current take on this issue as a lot has changed since then . ...
by rudeboy
Fri Nov 02, 2018 8:39 am
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 141
Views: 15064

Re: Core-4 Investing is LIVE! It really is this time!

jibantik wrote:
Fri Nov 02, 2018 12:00 am
Meh, I'll stick with my core-1: total world index.
+1.

Total World for me too.
by rudeboy
Mon Oct 29, 2018 7:19 pm
Forum: Investing - Theory, News & General
Topic: 401k down 8% this month
Replies: 58
Views: 7229

Re: 401k down 8% this month

Think how much it is up since 2010. Some of us were still recovering from bankruptcy in 2010, and weren’t able to start buying securities until 2018. For us, the recent drop stings a little, since it’s newly invested money. But, stay the course... Yes, stay the course. This is a great opportunity t...
by rudeboy
Mon Oct 29, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12414
Views: 2145388

Re: U.S. stocks in freefall

At this pace, we may be headed for a B.E.A.R. market.

Buyer's
Expenses
Are
Reduced

8-)
by rudeboy
Thu Oct 25, 2018 1:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12414
Views: 2145388

Re: U.S. stocks in freefall

I'm not making a prediction here, but 'economic indicators' didn't help us foresee or prevent the major crashes of the past, because the market has crashed in a new way every time. Once it has crashed, we then look back and say, "Oh, hey, here's a new economic indicator." Well, that isn't quite tru...
by rudeboy
Thu Oct 25, 2018 1:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12414
Views: 2145388

Re: U.S. stocks in freefall

I'm not making a prediction here, but 'economic indicators' didn't help us foresee or prevent the major crashes of the past, because the market has crashed in a new way every time. Once it has crashed, we then look back and say, "Oh, hey, here's a new economic indicator." Well, that isn't quite tru...
by rudeboy
Thu Oct 25, 2018 12:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12414
Views: 2145388

Re: U.S. stocks in freefall

Lotta market timing going on out there. Still wonder if it is professionals managing institutional money or individual holders of mutual funds/stocks. I suspect that computer algorithms are responsible for a lot of this. Is there really that much more to panic about now versus a month ago? All of t...
by rudeboy
Wed Oct 24, 2018 6:05 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why International Diversification Works
Replies: 119
Views: 10549

Re: Larry Swedroe: Why International Diversification Works

So basically what we're saying here is VT is the way to go for the equity portion of a portfolio? That's what I've been slowly leaning toward. I picked up some VTWSX (the fund version of VT) a couple months ago and have been thinking about converting more of my VTSAX as well. I haveTotal World for ...
by rudeboy
Thu Oct 18, 2018 6:24 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 117759

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

I just looked at the price charge for VEU (Total International Vanguard ETF) and in August 2008 before the Financial Crisis kicked in, the ETF traded in the low 48s. Price today: 48.28. That's more than 10 years of earning nothing other than the dividend. Incredible. And the 48 back in 2008 was alr...
by rudeboy
Thu Oct 18, 2018 10:43 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12414
Views: 2145388

Re: U.S. stocks in freefall

kaeltor wrote:
Thu Oct 18, 2018 10:40 am
Another big drop incoming it seems!

I kinda wanna take out money from my EF and buy more VTSAX today... I am a new investor (only since last October) and don't know if this is wise...
If you don't know if it's wise, it probably isn't.
by rudeboy
Tue Oct 16, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 2131
Views: 223890

Re: U.S. stocks continue to soar!

McGilicutty wrote:
Tue Oct 16, 2018 11:51 am
S&P 500 up 1.6% so far today. US STOCKS CONTINUE TO SOAR!
They've almost soared halfway back to where they were 5 days ago...
by rudeboy
Wed Oct 10, 2018 3:05 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 RBD?
Replies: 28
Views: 2396

Re: S&P 500 RBD?

How about this definition: It's a RBD when you're trying to buy but you can't get into your account because too many people are selling.
by rudeboy
Thu Oct 04, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12414
Views: 2145388

Re: U.S. stocks in freefall

goblue100 wrote:
Thu Oct 04, 2018 1:53 pm
I see the US stocks in freefall thread and the bonds in freefall thread. Where is the everything is in freefall thread? :oops:
Maybe that's the 'Sky in Freefall' thread?
by rudeboy
Thu Oct 04, 2018 1:51 pm
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 15131

Re: Correlation between the FIRE movement and one of the greatest bull markets

During the last great bull market (80's and 90's), there was a similar movement. Actually, it was the same movement, without the cool name, nor the blogs. It was centered around the book "Your Money or Your Life" and involved people who chose deliberate frugality, saved and invested, and dropped ou...
by rudeboy
Thu Oct 04, 2018 7:28 am
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 15131

Re: Correlation between the FIRE movement and one of the greatest bull markets

I think the FIRE movement has been nurtured under the wing of this bull market, but I also think it's representation in the media lately has been way out of proportion with its actual size. The media loves extremes, because extremes stand out. You could probably make the case that a number of relati...
by rudeboy
Tue Aug 14, 2018 9:41 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 117759

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

If you aren't unhappy with part of your portfolio, you aren't diversified enough.
by rudeboy
Thu Jul 26, 2018 10:45 pm
Forum: Investing - Theory, News & General
Topic: Facebook stock in freefall! (20% drop in 1-day)
Replies: 120
Views: 12031

Re: Facebook stock in freefall! (20% drop in 1-day)

It's days like this that makes me glad 'I've got the whole world in my hands.'
by rudeboy
Wed Jul 18, 2018 11:18 am
Forum: Investing - Theory, News & General
Topic: The joys of investing
Replies: 23
Views: 3135

Re: The joys of investing

The educational value.

I have learned so much about the history of financial markets throughout the world. It is a very different way to view history from what I was taught by the state. The old saying is true -- numbers dont lie. Textbooks do.
by rudeboy
Fri Jul 13, 2018 3:47 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 367
Views: 22989

Re: COMING SOON: BOGLEHEADS PODCASTS

How about a nautical theme?

All Weather Investing: the Bogleheads Podcast
by rudeboy
Fri Jul 13, 2018 9:25 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 367
Views: 22989

Re: COMING SOON: BOGLEHEADS PODCASTS

Rick Ferri wrote:
Thu Jul 12, 2018 9:54 pm
Can I get some comments on these simple ideas:

- The Bogleheads Show

- The Bogleheads Podcast

- Boglehead Talk
I like your earlier idea of Bogleheads Radio.
by rudeboy
Thu Jul 12, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 367
Views: 22989

Re: COMING SOON: BOGLEHEADS PODCASTS

Based on some Jack Bogle quotes:

Gunning for Average
The Haystack
by rudeboy
Thu Jul 12, 2018 12:26 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 367
Views: 22989

Re: COMING SOON: BOGLEHEADS PODCASTS

Ooh, I love naming stuff.

Bogle's Moguls: Building Wealth with the Bogleheads
by rudeboy
Fri Jul 06, 2018 1:57 pm
Forum: Investing - Theory, News & General
Topic: “We have a lot to do, and very little time, so we must work slowly.”
Replies: 21
Views: 4221

Re: “We have a lot to do, and very little time, so we must work slowly.”

Love it, thanks for sharing.

Reminds me in spirit of a Gandhi quote: “I have so much to accomplish today that I must meditate for two hours instead of one."