Search found 987 matches

by 3funder
Sat Jun 15, 2019 6:25 am
Forum: Personal Investments
Topic: Starbucks; buy, sell, hold?
Replies: 41
Views: 3217

Re: Starbucks; buy, sell, hold?

I have no idea what the future holds for Starbucks. That said, I'm not so sure that I would bet against it. Last week I went to a Starbucks to meet some former coworkers. This was the first time that I had been to a Starbucks since 2006. Had they not wanted to meet there I would not have gone. The ...
by 3funder
Fri Jun 07, 2019 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Attn: teachers....Daughter considering 80% teaching position. Good idea?
Replies: 64
Views: 4997

Re: Attn: teachers....Daughter considering 80% teaching position. Good idea?

In my district, if you do a good job, the principal is likely to invite you back and offer you a 100% position as long as the staffing allocation exists; one could also obtain a 100% position at another school within the system, as needed.
by 3funder
Fri Jun 07, 2019 9:06 am
Forum: Personal Investments
Topic: How would you invest a lump sum of 3 million dollars in today's market?
Replies: 50
Views: 5520

Re: How would you invest a lump sum of 3 million dollars in today's market?

An investment of $3m does not need a large reserve of emergency cash, because the typical dividend yield of 2% will be able to throw off $60k dividend per year. You might want to invest this large sum conservatively just because preserving it could be just as important as obtaining gains from it. A...
by 3funder
Fri Jun 07, 2019 9:00 am
Forum: Personal Investments
Topic: Need help with International Fund Decision
Replies: 9
Views: 557

Re: Need help with International Fund Decision

Go with the former.
by 3funder
Fri Jun 07, 2019 8:57 am
Forum: Personal Investments
Topic: Bonds and Investing
Replies: 31
Views: 3433

Re: Bonds and Investing

With bonds, higher yield almost always means higher risk. Any good short or intermediate term bond fund that is investment grade, low cost, and diversified should provide safety and income to a portfolio. + 1. The most commonly used bond fund here is probably Vanguard Total Bond Market Index Fund A...
by 3funder
Wed Jun 05, 2019 9:34 am
Forum: Personal Investments
Topic: What to do with extra cash each month?
Replies: 28
Views: 2462

Re: What to do with extra cash each month?

Its an 'OR' situation. You either itemize or take the standard deduction. If, when you itemize, your deductions are over $24k, then you submit an itemized list for deductions. If not, then you just take the standard deduction. I see. Thank you. So my mortgage interest is effectively 3.25%, then. In...
by 3funder
Wed Jun 05, 2019 9:23 am
Forum: Personal Investments
Topic: What to do with extra cash each month?
Replies: 28
Views: 2462

Re: What to do with extra cash each month?

Invest in VTIAX in your taxable account. That, or contribute more to your child's 529 account. The 529 is probably a better deal. Or, if you wish to cover all bases, you could split the leftover money three ways:

$500 -- Emergency Fund
$500 -- VTIAX
$500 -- 529
by 3funder
Wed Jun 05, 2019 9:20 am
Forum: Personal Investments
Topic: DCA on the way out, too? Even towards a conservative AA?
Replies: 13
Views: 922

Re: DCA on the way out, too? Even towards a conservative AA?

What is your current equity-heavy allocation? What are you thinking for your new conservative allocation?
by 3funder
Fri May 31, 2019 7:47 am
Forum: Investing - Theory, News & General
Topic: Don't add currency risk on top of equity risk
Replies: 68
Views: 4791

Re: Don't add currency risk on top of equity risk

Thesaints wrote:
Tue May 21, 2019 7:33 pm
Over the long term, volatility introduced by currency exchange fluctuations is small compared to the natural volatility of stocks.
The story is different for bonds.
+1
by 3funder
Fri May 24, 2019 10:27 am
Forum: Personal Investments
Topic: Evaluate my choices
Replies: 13
Views: 812

Re: Evaluate my choices

My bond allocation is approximately 20%. I'm 34. I don't feel the need to be much more conservative or much more aggressive right now. I will let this ride for at least the next decade.
by 3funder
Thu May 23, 2019 7:54 am
Forum: Personal Consumer Issues
Topic: Is Tesla Going To Survive?
Replies: 99
Views: 6725

Re: Is Tesla Going To Survive?

I don't know if Tesla is going to survive. Either way, I wouldn't splurge for an expensive vehicle.
by 3funder
Thu May 23, 2019 7:53 am
Forum: Investing - Theory, News & General
Topic: Don't add currency risk on top of equity risk
Replies: 68
Views: 4791

Re: Don't add currency risk on top of equity risk

Thesaints wrote:
Tue May 21, 2019 7:33 pm
Over the long term, volatility introduced by currency exchange fluctuations is small compared to the natural volatility of stocks.
The story is different for bonds.
+1.
by 3funder
Thu May 16, 2019 6:20 am
Forum: Personal Investments
Topic: How am I doing so far???
Replies: 15
Views: 1397

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: 1397

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: 173
Views: 17779

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: 2238

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: 533

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: 1048

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: 1303

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: 2223

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: 1391

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: 5524

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: 1774

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: 1479

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: 5458

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: 1659

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: 2595

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: 6763

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: 1958

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: 1958

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: 5113

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: 5922

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: 3407

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: 7776

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: 9048

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: 764

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: 882

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: 6303

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: 15149

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: 9447

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: 3463

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: 5609

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: 447

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: 3463

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: 13723

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: 903

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: 1484

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