Search found 822 matches

by 3funder
Sat Jan 19, 2019 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Very short term cash - where to put it
Replies: 13
Views: 1659

Re: Very short term cash - where to put it

mcraepat9 wrote:
Thu Jan 17, 2019 5:21 pm
No better options that are worth the trouble for only 3 months. Maybe there are better options but seems like the effort is disproportionate to the return.
+1
by 3funder
Sat Jan 19, 2019 1:48 pm
Forum: Investing - Theory, News & General
Topic: What active management stock funds would you own?
Replies: 85
Views: 5639

Re: What active management stock funds would you own?

pdavi21 wrote:
Fri Jan 18, 2019 11:10 pm
I wouldn't, but Berkshire or Primecap probably.
+1
by 3funder
Sat Jan 19, 2019 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Differences in Investment Approach
Replies: 46
Views: 1579

Re: Differences in Investment Approach

3 fund or million fund slice and dice REITs or not Should I buy a $5000 5 year old beige Camry or a $200k Tesla? 1 Fund or 2 Fund or 3 Fund or Small Cap Tilt or World Cap or Slice and Dice into tenths of a percent. If we slice and dice, aren't we moving away from the BH approach? Don't confuse Bogl...
by 3funder
Sat Jan 19, 2019 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 221
Views: 16099

Re: Why are you NOT buying rental properties?

1) It takes work.
2) They are not particularly liquid.
3) I'm not interested.

I can invest in stock and bond index funds and get a decent return while doing little, if any, work.
by 3funder
Sat Jan 19, 2019 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 2050 Target Fund to Total Stock
Replies: 12
Views: 759

Re: Roth 2050 Target Fund to Total Stock

By going all VTSAX you're missing out on great companies: Royal Dutch Shell plc Nestle SA Tencent Holdings Ltd. Samsung Electronics Co. Ltd. Novartis AG Roche Holding AG Taiwan Semiconductor Manufacturing Co. Ltd. HSBC Holdings plc Alibaba Group Holding Ltd. Toyota Motor Corp. There are 6,374 stock...
by 3funder
Wed Jan 09, 2019 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Help me Built a Dividend Growth Investment Portfolio
Replies: 19
Views: 1459

Re: Help me Built a Dividend Growth Investment Portfolio

I do not use a dividend focused portfolio, and wouldn't recommend it to others. That said, I can see the appeal it has to people, and there may be limited circumstances where it's appropriate. I believe there is a distinction between "Dividend Growth" and "High Dividend Yield" styles of investing. ...
by 3funder
Tue Jan 08, 2019 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus toward student loans or 401(k)?
Replies: 18
Views: 918

Re: Bonus toward student loans or 401(k)?

Hard to say without knowing all your details, but: I would either put the bonus money 100% toward 401k, 100% toward student loans, or 50%-50% between them. I would definitely not put a penny extra toward the mortgage. I would possibly put some money toward your emergency fund if it is very anemic o...
by 3funder
Sat Jan 05, 2019 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Which Money Market account now that interest rates have gone up?
Replies: 57
Views: 7348

Re: Which Money Market account now that interest rates have gone up?

There are a handful of "high yield" savings and money market accounts out there, you might check the most recent updates here: https://www.depositaccounts.com/savings/ https://www.depositaccounts.com/moneymarket/ The Money Market funds available at Vanguard are also offering great rates, but those ...
by 3funder
Sat Jan 05, 2019 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Does a PMI in lieu of 20% down ever make sense?
Replies: 48
Views: 2889

Re: Does a PMI in lieu of 20% down ever make sense?

Setting aside whether it makes sense, to me it is a red flag that you are not ready to buy a house. If you are stretching to make your downpayment, are you going to be prepared when your furnace blows out or you need a new roof? What if you are laid off? The lower your downpayment, the higher your ...
by 3funder
Sat Jan 05, 2019 10:10 am
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 245
Views: 15617

Re: If riskier than US, why doesn't international outperform?

Nobody knows more than the peopie at Vanguard, but Vanguard’s decision to herd its investors like cattle into large international stock allocations has been handled poorly. It's hard for me to see how Vanguard has been "herding" anyone. Their considered conclusion (right or wrong) is that equity al...
by 3funder
Thu Jan 03, 2019 2:17 pm
Forum: Investing - Theory, News & General
Topic: What do you think of this advice?
Replies: 62
Views: 4224

Re: What do you think of this advice?

What should I do during a stock market crash? Nothing. Absolutely nothing. Statistically, this is the best way to manage your investments - put what you can afford to never see again into stock market index funds, and then do literally nothing with it. There was a study I read of a while back which...
by 3funder
Tue Jan 01, 2019 11:24 am
Forum: Investing - Theory, News & General
Topic: Stay the Course! But...?
Replies: 11
Views: 1805

Re: Stay the Course! But...?

Stay the course with one fund or two fund or three fund or four fund. If you understand slice and dice as well with a an upper limit of say 8 funds. You do need to follow in a sequence 1. Broadly diversify 2. Buy the hay stack 3 keep costs low 4 then stay the course One Fund Target Date Fund Balanc...
by 3funder
Tue Jan 01, 2019 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Anyone else in frontier markets?
Replies: 31
Views: 1546

Re: Anyone else in frontier markets?

Nope; emerging is risky enough, as plenty of those countries won't actually "emerge" in my lifetime.
by 3funder
Mon Dec 31, 2018 11:51 am
Forum: Investing - Help with Personal Investments
Topic: What is the expected real return of S&P 500 for the next 30 years?
Replies: 51
Views: 4340

Re: What is the expected real return of S&P 500 for the next 30 years?

Honestly, it depends -- does 30 years mean 28 years or 32 years? My point is that the CAGR could vary greatly, depending on the specific dates one uses. If you have money, and you wish to invest it in the US stock market, go ahead and do it.
by 3funder
Sun Dec 30, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: What do you do with dividends?
Replies: 51
Views: 4440

Re: What do you do with dividends?

Yes...it's that time of year again. Dividends automagically appear in my Vanguard settlement account. This isn't a "what should I do," post. I know what I do. I sweep any dividend income from my various Vanguard funds (small cap fund, int'l funds, etc.) and this year, I buy the Total Market Fund wi...
by 3funder
Fri Dec 28, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: not funding kid's tuition
Replies: 102
Views: 3338

Re: not funding kid's tuition

I'm a huge believer in paying for your child's college, if you can afford to do so. In fact, I typically look down my nose at people who have the means but choose not to bother. That said, purchasing an automobile and offering free room and board are no small gestures of generosity. It's your choice...
by 3funder
Thu Dec 27, 2018 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Bear Market portfolios
Replies: 15
Views: 1827

Re: Bear Market portfolios

No; with a time horizon of 5 years or less, your money should be in a high-yield savings account, a money market account (or fund, if you wish), or short-term investment-grade bonds. If you feel you must invest in stocks, please don't allocate any more than 1/3 of your money to this asset class.
by 3funder
Thu Dec 27, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: Anyone overbalancing?
Replies: 39
Views: 2826

Re: Anyone overbalancing?

I'm not.
by 3funder
Thu Dec 27, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with 1k check for 9 month old son?
Replies: 44
Views: 2943

Re: What to do with 1k check for 9 month old son?

Invest it in a taxable account (VTSAX and/or VTIAX); at the end of the day, the more money you have, the easier it will be for you to help him pay for other things down the line. I'm not a huge fan of going the UGMA/UTMA route, as very few young adults have the knowledge, decision-making capacity, o...
by 3funder
Thu Dec 27, 2018 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads - Portfolio Review (1st baby on the way)
Replies: 20
Views: 2225

Re: New to Bogleheads - Portfolio Review

Questions:

1) Does your wife plan on going back to work at some point?
2) Is there a reason you wish to keep more cash in your checking than earning interest in your emergency fund?
by 3funder
Thu Dec 27, 2018 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Bond options?
Replies: 32
Views: 2108

Re: Bond options?

abuss368 wrote:
Wed Dec 26, 2018 9:48 pm
Any low cost and diversified investment grade that is short or intermediate term will provide safety and income to an investment portfolio.
+1
by 3funder
Thu Dec 27, 2018 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Current allocation is 100% stocks- any good reason to change?
Replies: 71
Views: 5804

Re: Current allocation is 100% stocks- any good reason to change?

When it comes to the stock market, I consider 15 years to be an intermediate amount of time. Case in point: the NASDAQ.
by 3funder
Thu Dec 27, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: What is really going on?
Replies: 39
Views: 4010

Re: What is really going on?

This is all conjecture, as all market prognostication is, of course. Standard disclaimer applies: do not trade based on my guesses (or anyone else's), do not change your plans based on my guesses (or anyone else's), I'm not changing my behavior based on my guesses, and I'm the one who made them. Th...
by 3funder
Sun Dec 23, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: International Allocation
Replies: 13
Views: 980

Re: International Allocation

Approximately 1/3 of your equity allocation should do the trick. I'm a 50/50 guy, but I'm semi-obsessed with valuation metrics, so don't mind me.
by 3funder
Sun Dec 23, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: DCA – change of tune, loss of nerve, and how to time?
Replies: 55
Views: 2920

Re: DCA – change of tune, loss of nerve, and how to time?

Depends on what you're investing the money in. If US stocks, DCA. If international stocks, lump sum ASAP. If bonds, either is fine. Just my two cents. When it comes to CAPE, PB, etc., I'm an unapologetic believer.
by 3funder
Sun Dec 23, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation
Replies: 13
Views: 1393

Re: Asset allocation

It's fine, given your healthy dose of bonds.
by 3funder
Sun Dec 23, 2018 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Sell IBM? Am I timing the market?
Replies: 11
Views: 958

Re: Sell IBM? Am I timing the market?

My father used to work for IBM. He was a brand CFO, so he definitely has good insight. Gerstner bought the company 20 years, but Palmisano and his crew arrived more than fashionably late to the cloud computing party and engaged in buybacks to juice EPS metrics (I'm not sure why, as any analyst who k...
by 3funder
Fri Dec 21, 2018 5:59 pm
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 9765

Re: When did the musicians on the titanic realize their fate?

Stormbringer wrote:
Fri Dec 21, 2018 5:48 pm
TVD wrote:
Fri Dec 21, 2018 5:15 pm
What are the conditions where people on this site become concerned?
My concern has been that stocks were too expensive. I'd rather buy them at lower prices than at higher prices. If they dropped another 20% from here I would be thrilled!
+1
by 3funder
Fri Dec 21, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone's portfolio not tanking???
Replies: 129
Views: 13141

Re: Is anyone's portfolio not tanking???

WhyAmeriprise wrote:
Fri Dec 21, 2018 2:09 pm
My results this year are appalling:
VOO - down 8.3%
VTI - down 8.11%
VXUS - down 17.09%

Portfolio graph now shows International Equity (VXUS) at 29.38%. Ugh. I don't remember it starting that way.
This is exactly why I'm buying more!
by 3funder
Fri Dec 21, 2018 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone's portfolio not tanking???
Replies: 129
Views: 13141

Re: Is anyone's portfolio not tanking???

This might sound strange to most, but seeing my balance decrease annoys me more than it upsets me. I just roll my eyes and continue to contribute.
by 3funder
Fri Dec 21, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Has anyone been adding position
Replies: 9
Views: 796

Re: Has anyone been adding position

I've been adding to international. US still expensive, despite poor returns this calendar year.
by 3funder
Thu Dec 20, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: FAANG
Replies: 48
Views: 3706

Re: FAANG

FAANG is already a large part of the holdings of VTSAX. I'm not sure I want to increase my risk by buying even more. It's like timing the market, yeah they will probably go up eventually but what if they continue to go down more before they go back up? Or what if they stay flat for a few years befo...
by 3funder
Thu Dec 20, 2018 6:28 am
Forum: Investing - Help with Personal Investments
Topic: Will you contribute all $6,000 to IRA in Jan or DCA?
Replies: 32
Views: 1959

Re: Will you contribute all $6,000 to IRA in Jan or DCA?

Last year, we lump summed. This year, we will DCA; however, it has nothing to do with market timing. Probably not a helpful response, but that's what we're doing.
by 3funder
Wed Dec 19, 2018 5:41 pm
Forum: Investing - Theory, News & General
Topic: Artemis Attack on the Bogleheads
Replies: 80
Views: 9181

Re: Artemis Attack on the Bogleheads

HEDGEFUNDIE wrote:
Wed Dec 19, 2018 4:44 pm
So this is what he actually said:

“Passive investing is just a form of momentum trading, as a passive investor you are entirely dependent on flow”

Discuss.
Oh yes--when I lay my head down at night, I thank the cosmos for the opportunity to engage in momentum trading. What a dud.
by 3funder
Wed Dec 19, 2018 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Please critique my uncles investment advice...
Replies: 10
Views: 819

Re: Please critique my uncles investment advice...

In our conversation yesterday he also mentioned “shorting the treasury” as insurance and investing in Royal Dutch Shell Class B which he has been invested in and reinvesting the dividends for many years and he says they have never failed to pay a dividend. Thoughts? I don't like this advice. I woul...
by 3funder
Mon Dec 17, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Silly to Contribute to Taxable Account This Late in the Year (so close to distribution date)?
Replies: 6
Views: 523

Re: Silly to Contribute to Taxable Account This Late in the Year (so close to distribution date)?

goingup wrote:
Mon Dec 17, 2018 3:22 pm
Buying $500 of Total International Stock fund (VTIAX) would be 19 shares. The expected year end dividend is .25. You'd be buying a $4.75 total dividend.
So basically it's not enough money to matter either way?
by 3funder
Mon Dec 17, 2018 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Silly to Contribute to Taxable Account This Late in the Year (so close to distribution date)?
Replies: 6
Views: 523

Re: Silly to Contribute to Taxable Account This Late in the Year (so close to distribution date)?

livesoft wrote:
Mon Dec 17, 2018 3:10 pm
Yes. You should be tax-loss harvesting your somewhat less than $15,000 instead.
I'm an average cost basis guy, but you answered my question anyway. Thanks.
by 3funder
Mon Dec 17, 2018 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Silly to Contribute to Taxable Account This Late in the Year (so close to distribution date)?
Replies: 6
Views: 523

Silly to Contribute to Taxable Account This Late in the Year (so close to distribution date)?

I feel like investing $500 in VTIAX; I've invested approximately $15,000 in the same fund since February. Does this supposedly tax-foolish move really matter in the long run?
by 3funder
Fri Dec 14, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: Is there any market that is not inflated?
Replies: 58
Views: 3797

Re: Is there any market that is not inflated?

ReformedSpender wrote:
Wed Dec 12, 2018 8:10 am
International

:beer
+1
by 3funder
Wed Dec 12, 2018 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Corporate Bond Investing Strategy
Replies: 28
Views: 1544

Re: Corporate Bond Investing Strategy

I fear the best case scenario is that you're making investing much more complicated than it has to be. PM me if you'd like to discuss further.
by 3funder
Tue Dec 11, 2018 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22087

Re: What percentage of your net worth is your home equity?

I don't even include home equity when I calculate my net worth. It's a place to live that sometimes winds up being, at best, an OK investment.
by 3funder
Tue Dec 11, 2018 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: 58 y/o nearing retirement - looking at economic/stock market indicators
Replies: 36
Views: 5375

Re: 58 y/o nearing retirement - looking at economic/stock market indicators

You don't really "lose" money unless your time horizon is short. If you enjoy a 30-year retirement, it won't matter much if you lose some money next year. Your portfolio is conservative right now, so how much do you really think you're going to lose if the market crashes? Do you have an allocation ...
by 3funder
Mon Dec 10, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: Who is buying SCV, EM, Intl SC
Replies: 41
Views: 2776

Re: Who is buying SCV, EM, Intl SC

International.
by 3funder
Mon Dec 10, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Made an unwise investment, help solicited
Replies: 41
Views: 3583

Re: Made an unwise investment, help solicited

Aside from some tax issues that always happens with dividends and taxable gains, I don't see how buying Fidelity Puritan is a bad investment. It's a nice conservative fund, something that has turned out to be a good idea this year in fact. It could have been much worse. You have done just fine actu...
by 3funder
Sun Dec 09, 2018 9:40 am
Forum: Investing - Theory, News & General
Topic: International underperformance - how to break it down
Replies: 52
Views: 4200

Re: International underperformance - how to break it down

5. First and foremost. Pick any country, compare it with the U.S. and you'll see some stark differences in the environment, both corporate and national governance. 6. High unemployment, poor demographics, high taxes. I own international, but I really have a hard time seeing the spark that will get ...
by 3funder
Sun Dec 09, 2018 9:36 am
Forum: Investing - Theory, News & General
Topic: Do long-term bonds belong in one's portfolio?
Replies: 235
Views: 13191

Re: Do long-term bonds belong in one's portfolio?

Diversifying across different asset classes and sources of return makes sense. Having some long term bonds allows one to capture the term premium, and LT bonds do well in deflation. So, you own some long term, some intermediate and short duration, and of course, assets like equities that do well in...
by 3funder
Sat Dec 08, 2018 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: 58 y/o nearing retirement - looking at economic/stock market indicators
Replies: 36
Views: 5375

Re: 58 y/o nearing retirement - looking at economic/stock market indicators

You don't really "lose" money unless your time horizon is short. If you enjoy a 30-year retirement, it won't matter much if you lose some money next year. Your portfolio is conservative right now, so how much do you really think you're going to lose if the market crashes? Do you have an allocation t...
by 3funder
Sat Dec 08, 2018 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Which fund for 2nd tier EF?
Replies: 6
Views: 521

Re: Which fund for 2nd tier EF?

I'd go with VBIRX.