Search found 974 matches

by 3funder
Thu May 16, 2019 6:20 am
Forum: Personal Investments
Topic: How am I doing so far???
Replies: 15
Views: 1320

Re: How am I doing so far???

OP,

Give yourself some credit; your investments are nowhere close to underfunded. Frankly, to most of your peers, I would imagine your financial position is rather enviable.

3funder
by 3funder
Thu May 16, 2019 6:17 am
Forum: Personal Investments
Topic: How am I doing so far???
Replies: 15
Views: 1320

Re: How am I doing so far???

Wiggums wrote:
Wed May 15, 2019 8:45 pm
Well said glacierrunner
Amen to that.
by 3funder
Wed May 15, 2019 12:15 pm
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 124
Views: 8987

Re: VTSAX or VTWAX over the next 35 years?

The latter.
by 3funder
Wed May 15, 2019 5:31 am
Forum: Investing - Theory, News & General
Topic: Can future returns for the next 10 years really be predicted with CAPE?
Replies: 36
Views: 2207

Re: Can future returns for the next 10 years really be predicted with CAPE?

No one person or tool can truly predict the future. That said, I don't think CAPE is entirely useless.
by 3funder
Mon May 13, 2019 1:07 pm
Forum: Personal Investments
Topic: What’s the better hedge for unexpected inflation: G Fund or TIPS ETF?
Replies: 5
Views: 518

Re: What’s the better hedge for unexpected inflation: G Fund or TIPS ETF?

Unexpected inflation? Ha--that'll be the day. We can't even seem to hit 2% on a consistent basis.
by 3funder
Mon May 13, 2019 7:47 am
Forum: Personal Investments
Topic: Parking/Investing $100k in a tax-advantaged manner
Replies: 12
Views: 1029

Re: Parking/Investing $100k in a tax-advantaged manner

Leave it where it is. If you invest in stocks you must be prepared for a possible 50% decline in the value of your portfolio at any time. It can take years to recover. A stock investment, including ETFs or mutual funds, is not consistent with keeping funds (full amount) available for home purchase....
by 3funder
Sun May 12, 2019 11:16 am
Forum: Personal Investments
Topic: Moving a lump of cash into Stocks/Bonds over time or all at once
Replies: 14
Views: 1285

Re: Moving a lump of cash into Stocks/Bonds over time or all at once

For a 50/50 AA, I'd invest it all at once (I'm assuming your equity allocation has some international component; if it doesn't, I'd reconsider that one).
by 3funder
Wed May 08, 2019 7:25 am
Forum: Personal Investments
Topic: alternatives to 529 plans
Replies: 44
Views: 2059

Re: alternatives to 529 plans

RNJ wrote:
Mon May 06, 2019 7:13 pm
DaftInvestor wrote:
Mon May 06, 2019 6:23 pm
20+ years of tax free growth - use a 529
^^^^This.
AND tax-free withdrawals on qualified educational expenses. Yes, a triple tax advantage is ideal; however, a double tax advantage is nothing to scoff at.
by 3funder
Wed May 08, 2019 7:22 am
Forum: Investing - Theory, News & General
Topic: DCA VS. Lump sum for Roth IRA
Replies: 16
Views: 1359

Re: DCA VS. Lump sum for Roth IRA

My wife and I have done both, depending on the amount of available cash we had at the beginning of the year and the presence or absence of anticipated expenses for big-ticket items.
by 3funder
Wed May 08, 2019 7:16 am
Forum: Investing - Theory, News & General
Topic: point of maximal pessimism for international investing
Replies: 66
Views: 5341

Re: point of maximal pessimism for international investing

garlandwhizzer wrote: ↑Mon May 06, 2019 8:20 pm. So far Bogle and Buffett have been right for decades--invest only in the US. Thesaints replied: Not really. Since 1994, 25 years ago, both S&P 500 and the US total market indexes have hugely outperformed both the developed market index and the emergi...
by 3funder
Wed May 08, 2019 7:11 am
Forum: Investing - Theory, News & General
Topic: 100% Equities AA
Replies: 13
Views: 1743

Re: 100% Equities AA

Has anyone ever run a comparison between a 100% vs 50/50 AA using different scenarios? Yep, people do it all the time. It appears that with bonds paying such low interest, a high percentage in equities may make sense. Maybe. Maybe not. Maybe having a lot in stocks turns out to be good because bond ...
by 3funder
Wed May 08, 2019 7:02 am
Forum: Personal Investments
Topic: Small Cap vs Mid Cap for long term holding?
Replies: 10
Views: 1435

Re: Small Cap vs Mid Cap for long term holding?

Why make it an "either/or" question? Why not invest in both and save yourself the mental energy of second-guessing yourself?
by 3funder
Wed May 08, 2019 6:58 am
Forum: Personal Investments
Topic: VMMXX as cash
Replies: 38
Views: 5304

Re: VMMXX as cash

My wife and I use VMMXX for money we will need to spend within the next five years.
by 3funder
Tue May 07, 2019 9:36 am
Forum: Investing - Theory, News & General
Topic: Diversifying beyond stock and bonds
Replies: 19
Views: 1605

Re: Diversifying beyond stock and bonds

I don't feel the need to diversity beyond stocks and bonds.
by 3funder
Tue May 07, 2019 9:34 am
Forum: Personal Investments
Topic: Please Help me Create a 3-Fund Portfolio with these Index Funds
Replies: 35
Views: 2481

Re: Please Help me Create a 3-Fund Portfolio with these Index Funds

Using rough numbers here: 80% 500 index and 20% small cap index for U.S. equities. 80% developed markets and 20% emerging markets index for international equities. 100% intermediate term bond index for bonds. Thanks. So, assuming a preferred 75% stock / 25% bond AA... does this look about right? US...
by 3funder
Tue May 07, 2019 6:06 am
Forum: Investing - Theory, News & General
Topic: Reversion to the Mean Is Dead?
Replies: 63
Views: 6550

Re: Reversion to the Mean Is Dead?

From an article in Barrons. https://www.barrons.com/articles/reversion-to-the-mean-is-dead-investors-beware-51556912141 The article suggests that technology has altered the markets so much that the old rules like reversion to the mean and value investing using traditional measures of value no longe...
by 3funder
Mon May 06, 2019 1:11 pm
Forum: Personal Investments
Topic: Selling in MAY and ....... ?
Replies: 18
Views: 1905

Re: Selling in MAY and ....... ?

I have a better idea: "Park it and stay in the market!"
by 3funder
Mon May 06, 2019 1:11 pm
Forum: Personal Investments
Topic: Selling in MAY and ....... ?
Replies: 18
Views: 1905

Re: Selling in MAY and ....... ?

Selling in MAY and ....... ? ============================== Thanks for weighing in to my threads and seeking insights from this forum. Does selling in MAY and go away applicable to this YEAR and Boglehead investing ? Thanks for sharing. That saying has to do with market timing. Bogleheads are gener...
by 3funder
Thu May 02, 2019 8:33 pm
Forum: Investing - Theory, News & General
Topic: Short BYND? (beyond meat, IPO today)
Replies: 76
Views: 4530

Re: Short BYND? (beyond meat, IPO today)

DesertDiva wrote:
Thu May 02, 2019 2:19 pm
Maybe someday there will be a low-cost Meatless Index fund :twisted:
...and an Avocado Toast Index fund
This is great; I laughed twice.
by 3funder
Thu May 02, 2019 7:28 am
Forum: Investing - Theory, News & General
Topic: Is factor-based small-value/Fama-French tilting worth it?
Replies: 101
Views: 5469

Re: Is factor-based small-value/Fama-French tilting worth it?

Over a lifetime of investing, probably; however, I don't do it.
by 3funder
Thu May 02, 2019 7:24 am
Forum: Investing - Theory, News & General
Topic: Do You Believe 10 Years Return Data Is Just Noise?
Replies: 57
Views: 3190

Re: Do You Believe 10 Years Return Data Is Just Noise?

I agree that 10 years of return data is noise to the extent that it isn't enough to be indicative of what will happen over a lifetime of investing. However, somewhat ironically, I think 10 years is a long enough time period in the future for forecasting purposes. Bogle himself has done this, in tha...
by 3funder
Thu May 02, 2019 7:23 am
Forum: Investing - Theory, News & General
Topic: "The market is overvalued"
Replies: 90
Views: 6978

Re: "The market is overvalued"

I believe the US stock market is overvalued; however, I also know that markets can remain overvalued or undervalued for much longer than one would like. 50 cents of each dollar I invest in stocks goes to VTSAX (the other 50% goes to VTIAX), as I have three decades before I plan to retire.
by 3funder
Mon Apr 29, 2019 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Savings rate
Replies: 104
Views: 8865

Re: Savings rate

Just save as much as you can while allowing yourself to have a life that you enjoy. You can't really go wrong doing that. I wouldn't spend much time or energy focusing on percentages.
by 3funder
Mon Apr 29, 2019 12:26 pm
Forum: Personal Investments
Topic: Simple Aggressive Portfolio
Replies: 10
Views: 746

Re: Simple Aggressive Portfolio

I recommend a 50/50 split between VTI and VXUS.
by 3funder
Sat Apr 27, 2019 9:05 am
Forum: Investing - Theory, News & General
Topic: money market acct
Replies: 5
Views: 872

Re: money market acct

VUSXX - Vanguard Treasury Money Market - 2.35% SEC yield - I use this for our non-profit that has extra cash. Per Vanguard: "Investors who have a short-term savings goal and want the added security of investing in a fund whose underlying securities are backed by the full faith and credit of the U.S...
by 3funder
Fri Apr 26, 2019 2:32 pm
Forum: Investing - Theory, News & General
Topic: Justifying Home Bias in your Portfolio
Replies: 97
Views: 6177

Re: Justifying Home Bias in your Portfolio

I'm 50/50, mainly due to valuations. I'll probably stick with this close approximation of global market cap for the long-term, though.
by 3funder
Wed Apr 24, 2019 10:46 am
Forum: Personal Investments
Topic: Dump international?
Replies: 228
Views: 14818

Re: Dump international?

I have maintained a 15% allocation to International equities for about 11 years now and it has been an appalling drag on my returns. Looking at some charts now, VXUS has underperformed VTI by approximately 50% over the last five years, and 15 % over the past 12 months. I am thinking strongly of thr...
by 3funder
Mon Apr 22, 2019 8:55 am
Forum: Personal Investments
Topic: Thinking about selling stocks near all time highs
Replies: 98
Views: 9286

Re: Thinking about selling stocks near all time highs

I am thinking about selling some stock ETFs after one of the strongest gains in the stock market since christmas 2018. I know that this slope that we're on cannot continue and has never historically continued at this rate, so a correction is inevitable. We're on pace for nearly a 60% return for the...
by 3funder
Tue Apr 16, 2019 9:20 am
Forum: Personal Investments
Topic: Short Term Bond Index vs. Prime Money Market
Replies: 30
Views: 3410

Re: Short Term Bond Index vs. Prime Money Market

You'll probably be fine with either. I understand that they are both very low risk investments. I'm trying to understand the advantage of the bond fund over the mm fund with almost identical yields. How long is your time frame? If it is longer than the duration of the bond fund, then it's probably ...
by 3funder
Tue Apr 16, 2019 7:42 am
Forum: Personal Investments
Topic: Where to hold 2-3 years of living expenses
Replies: 28
Views: 5562

Re: Where to hold 2-3 years of living expenses

Savings account, money market account or fund, short-term bond fund. My wife and I hold ours in Vanguard's Prime Money Market Fund (VMMXX).
by 3funder
Tue Apr 16, 2019 7:40 am
Forum: Personal Investments
Topic: Which combination best approximates total US market?
Replies: 4
Views: 444

Re: Which combination best approximates total US market?

[Dec 2001 - Mar 2019] [Based on the available data (Dec 2001 - Mar 2019) for: Vanguard Mid Cap Index Admiral (VIMAX)] A) 81% Vanguard Institutional Index Fund Institutional Plus Shares (VIIIX) 4% Vanguard Mid-Cap Index Fund Admiral Shares (VIMAX) 15% Vanguard Small-Cap Index Fund Institutional Shar...
by 3funder
Tue Apr 16, 2019 7:38 am
Forum: Personal Investments
Topic: Short Term Bond Index vs. Prime Money Market
Replies: 30
Views: 3410

Re: Short Term Bond Index vs. Prime Money Market

You'll probably be fine with either.
by 3funder
Tue Apr 16, 2019 7:36 am
Forum: Investing - Theory, News & General
Topic: Stocks will return about 4% annually over the next decade or so rather than the 10% average annual returns - John Bogle
Replies: 104
Views: 13631

Re: Stocks will return about 4% annually over the next decade or so rather than the 10% average annual returns - John Bo

FrugalInvestor wrote:
Sat Apr 13, 2019 10:47 pm
alex123711 wrote:
Sat Apr 13, 2019 9:20 pm
What to do in this situation? He also mentions he thinks international returns will be even lower..
Jack would have told you "just don't do something, stand there" and that "nobody knows nothing," including him.
+1
by 3funder
Tue Apr 16, 2019 7:12 am
Forum: Personal Investments
Topic: Investing for Inflation, Disinflation or Deflation...What to do?
Replies: 9
Views: 891

Re: Investing for Inflation, Disinflation or Deflation...What to do?

Your plan is absolutely reasonable. Stick with it; you'll be fine.
by 3funder
Mon Apr 15, 2019 6:08 am
Forum: Personal Finance (Not Investing)
Topic: Conflicted about housing: Buy or keep renting?
Replies: 10
Views: 1479

Re: Conflicted about housing: Buy or keep renting?

About a year ago, we moved to a new city for my job. My plan is/was to give it max 5 years, and go back to city A Question: Is it logical to keep renting until we leave city B? If you are confident of your plan, I would keep renting. I would never purchase a house for just a 4 year duration. +1
by 3funder
Tue Apr 09, 2019 6:37 am
Forum: Personal Investments
Topic: 5-8 year investment time frame
Replies: 7
Views: 1000

Re: 5-8 year investment time frame

My wife and I have a taxable "slush" fund with a similar time frame; ours is 1/3 stocks (VTIAX), 2/3 money market (VMMXX).
by 3funder
Tue Apr 09, 2019 6:34 am
Forum: Investing - Theory, News & General
Topic: Thoughts on this Forbes article? "Why Most Index Funds And ETFs Are Not Good Investments"
Replies: 76
Views: 10535

Re: Thoughts on this Forbes article? "Why Most Index Funds And ETFs Are Not Good Investments"

Much of the industry despises index funds for one simple, obvious reason: they don't make anywhere near as much money on them compared to active. It's really as simple as that. This is why so much nonsense about indexing is spewed by most financial media outlets. Imagine how much more money they wo...
by 3funder
Tue Apr 09, 2019 6:25 am
Forum: Personal Investments
Topic: International under-performance
Replies: 204
Views: 12799

Re: International under-performance

Equity markets can behave irrationally for much longer or shorter than we want them to or believe they should; in my opinion, it is best to the own the world.

Full disclosure: When it comes to fixed income, I have home country bias. I am OK with this.
by 3funder
Tue Apr 09, 2019 6:23 am
Forum: Personal Investments
Topic: International under-performance
Replies: 204
Views: 12799

Re: International under-performance

Remember when international outperformed US for the calendar year 2017? One year. And there were a bunch of threads created here titled "Time To Add International?" or similar. Even Bogleheads are subject to biases and poor investor behaviors like performance chasing. For me it is quite simple: Buy...
by 3funder
Sun Apr 07, 2019 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Boglehead teachers or those married to one: some questions about career and life...
Replies: 101
Views: 6750

Re: Boglehead teachers or those married to one: some questions about career and life...

hi all, OP here. a LOT to catch up on and i cant thank you all enough for the advice and insight already provided. i did find out that my wife has both a 457b ($40K) which we ceased contributing to due to investment choices and a recently opened, pretty nicely allocated 403b ($10K) in which she con...
by 3funder
Sun Apr 07, 2019 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Self-Insurers: How are you planning and investing for old age care?
Replies: 47
Views: 2949

Re: Long Term Care Self-Insurers: How are you planning and investing for old age care?

I'm saving and investing as early and as aggressively (within reason, of course) as I can; there's nothing else a self-insurer can do. I sleep well at night.
by 3funder
Sun Apr 07, 2019 11:35 am
Forum: Investing - Theory, News & General
Topic: Is there a relatively stable junk bond fund?
Replies: 43
Views: 4824

Re: Is there a relatively stable junk bond fund?

averagedude wrote:
Fri Apr 05, 2019 5:31 pm
I would recommend VWEHX also, but there is no such thing as a stable junk bond fund. I would recommend that you never put over 20% of your fixed income in junk bonds. The only way to get higher yields in the bond market is to take higher risk.
+1
by 3funder
Fri Apr 05, 2019 9:54 am
Forum: Personal Investments
Topic: Multiple Goals and Bond Allocation to Ret Account
Replies: 14
Views: 758

Re: Multiple Goals and Bond Allocation to Ret Account

If you need the money short term, it should not be in a retirement account and should not be in equities. Tax efficient placement is great for long term savings, not so relevant for cash needed in the near term. There's nothing wrong with keeping some money in cash or bonds in a taxable account. Pe...
by 3funder
Wed Apr 03, 2019 11:29 am
Forum: Personal Investments
Topic: Do I dare buy a 10+ year CD?
Replies: 17
Views: 1330

Re: Do I dare buy a 10+ year CD?

MikeG62 wrote:
Wed Apr 03, 2019 6:54 am
I would not.
+1
by 3funder
Wed Apr 03, 2019 8:41 am
Forum: Investing - Theory, News & General
Topic: Reasonable timeframe to 'average in' to index funds?
Replies: 45
Views: 3489

Re: Reasonable timeframe to 'average in' to index funds?

How much money are we talking, and into what type of account?
by 3funder
Tue Apr 02, 2019 8:12 pm
Forum: Personal Investments
Topic: Vanguard Total Bond Index - 2 stars?
Replies: 10
Views: 1872

Re: Vanguard Total Bond Index - 2 stars?

There is much competition between fund families, fund managers to get the prestigious Morningstar "4" star rating which will attract more people and more money. Some will do whatever it takes to get there. Not so sure how good that is for the long-term investor. The star system, in my view, is more...
by 3funder
Tue Apr 02, 2019 8:02 pm
Forum: Personal Investments
Topic: 24 year old making first Roth IRA account. What do you guys think of these portfolios?
Replies: 24
Views: 1693

Re: 24 year old making first Roth IRA account. What do you guys think of these portfolios?

VTSAX is not the same as VTIAX. I think you're best served going with a relatively even split between VTSAX and VTIAX. Some people (myself included) believe that it is best to hold 100% stocks in a Roth IRA because the contribution limits aren't very high and qualified withdrawals aren't taxed. That...
by 3funder
Mon Apr 01, 2019 8:06 pm
Forum: Personal Investments
Topic: Vanguard Prime Money Market fund
Replies: 22
Views: 2935

Re: Vanguard Prime Money Market fund

Nope, not worried.