Search found 1803 matches
- Wed Mar 13, 2024 12:41 pm
- Forum: Personal Investments
- Topic: Financial Advisor says my portfolio is akin to a retiree at age 34
- Replies: 80
- Views: 8052
Re: Financial Advisor says my portfolio is akin to a retiree at age 34
No and no. Your portfolio is fine. Carry on.
- Mon Oct 23, 2023 12:14 pm
- Forum: Personal Investments
- Topic: Vanguard TDF Glide Path
- Replies: 4
- Views: 841
Re: Vanguard TDF Glide Path
I believe all Vanguard TDFs follow the same glide path.
- Fri Oct 13, 2023 8:57 am
- Forum: Personal Investments
- Topic: Have you increased bond allocation lately?
- Replies: 64
- Views: 7045
Re: Have you increased bond allocation lately?
My allocation is not out of whack, so I did not do anything. I think my bond allocation is only off by 2%.
- Tue Aug 01, 2023 4:18 pm
- Forum: Personal Investments
- Topic: Total bond fund vbtlx
- Replies: 79
- Views: 9861
Re: Total bond fund vbtlx
Keep it, unless your time horizon is shorter than the fund's duration, in which case you're probably in the wrong bond fund to begin with.
- Fri Jul 28, 2023 6:30 am
- Forum: Personal Investments
- Topic: Is VTI good for shorter term investing.
- Replies: 35
- Views: 3727
Re: Is VTI good for shorter term investing.
1. Come on...Charles Joseph wrote: ↑Thu Jul 27, 2023 9:15 pm1. How do you know "US stocks are really expensive now"? Why do you think you're right and the market is wrong?
2. Re: the good run, what about the two bear markets in the last three years?
2. Anything can happen in the short run.
- Thu Jul 27, 2023 2:55 pm
- Forum: Personal Investments
- Topic: Is VTI good for shorter term investing.
- Replies: 35
- Views: 3727
Re: Is VTI good for shorter term investing.
Pick the wrong 5-8 year period, and you won't like what you get. US stocks are really expensive now and have had a really good run since 2009. I could be wrong, but I'm not in the camp that believes the next 5-8 years is going to be super.
- Thu Jul 20, 2023 12:42 pm
- Forum: Personal Investments
- Topic: Allocation when you live way, way below your means
- Replies: 40
- Views: 5000
Re: Allocation when you live way, way below your means
My father lives well below his means and has rather substantial retirement savings. He's 67 y/o. I think he plans to glide down to 50/50 by age 70 and leave things alone at that point. Here's my point: I think he always knew he'd be able to save/invest a lot of money and chose to allocate his assets no differently than he would have if he was able to save a more moderate amount.
- Wed Jul 19, 2023 12:08 pm
- Forum: Personal Investments
- Topic: Why am I still in the bond index?
- Replies: 97
- Views: 8832
Re: Why am I still in the bond index?
It fell to the degree that it should, given fed tightening/inflation, etc. Stay the course.
- Wed Jul 12, 2023 12:28 pm
- Forum: Personal Investments
- Topic: bond allocation
- Replies: 11
- Views: 680
Re: bond allocation
so Im in retirement. I will withdraw 4% of my total portfolio. I am 60% stock 40% cash. I need to get the cash into bonds. I have no other income till soc sec kicks in 7 years from now. 15% of my portfolio is in IRAs (currently all equity ETFs) I am trying to get my cash into bonds. 1) should I concerned with getting a bond ETF with a particular ave duration to maturity? should I barbell with a couple of different bond etfs? 2) is a better idea some mix of treasuries (actual bonds)? 3) is a better idea a bond ladder going for the highest rates over the next 5 years (corporate, muni, agency, treasuries, etc) 4) or should i just throw the whole 40% into AGG or BND and calll it a day? also since my expenses are more than the total coupon/inte...
- Wed Jul 12, 2023 12:23 pm
- Forum: Personal Investments
- Topic: Anyone Else Market Timing Sectors Using ETFs?
- Replies: 53
- Views: 4621
Re: Anyone Else Market Timing Sectors Using ETFs?
Not my cup of tea, but I'm not surprised some of it worked out for you.
- Tue Jul 11, 2023 12:31 pm
- Forum: Investing - Theory, News & General
- Topic: Millennials Need 3-4 Million To Retire
- Replies: 504
- Views: 59900
Re: Millennials Need 3-4 Million To Retire
His own FIRE backfired on him after the pandemic began. I believe he has now gone back to work.Harmanic wrote: ↑Tue Jul 11, 2023 9:51 amSam Dogan is just another FIRE shill selling real estate and collecting commissions. It's all about selling ads and affiliate commissions.splat789 wrote: ↑Tue Jul 11, 2023 5:57 am I've been seeing other articles pop up about millennials recently promoting over 3 million when they used to be saying 2 million around the 2016 time frame. Sam Dogen is now promoting 10 million as the "ideal" net worth for retirement, and that you aren't a "real" millionaire until you have 3 million.
https://www.financialsamurai.com/10-mil ... etirement/
https://www.financialsamurai.com/are-yo ... 1-million/
- Mon Jul 10, 2023 12:47 pm
- Forum: Investing - Theory, News & General
- Topic: Why does Warren Buffett recommend ...
- Replies: 102
- Views: 12245
Re: Why does Warren Buffett recommend ...
Because it's easy, cheap, and in the long-term, likely to do just fine.
- Tue Jun 27, 2023 9:47 am
- Forum: Personal Investments
- Topic: Please review my portfolio
- Replies: 13
- Views: 2027
Re: Please review my portfolio
Looks good. I won't repeat others' responses to your specific questions.
- Thu Jun 15, 2023 11:53 am
- Forum: Personal Investments
- Topic: MSFT stock 120% gain vs Home loan prepayment
- Replies: 13
- Views: 2054
- Wed Jun 14, 2023 8:45 am
- Forum: Investing - Theory, News & General
- Topic: TIPS Funds "Just when I needed you most"
- Replies: 135
- Views: 16385
Re: TIPS Funds "Just when I needed you most"
I never understood the obsession with TIPS. I know very successful people who have extensive knowledge of investments, corporate finance, and econometrics who never felt the need to invest in TIPS. They're sitting pretty and pay no mind.
- Tue Jun 06, 2023 12:07 pm
- Forum: Personal Investments
- Topic: In-Laws financial advisor charges 1.0% on AUM. Say something?
- Replies: 129
- Views: 10351
Re: In-Laws financial advisor charges 1.0% on AUM. Say something?
Regardless of how much your in-laws are worth, they'll never listen to you. People are weird about discussing money and often most skeptical of those who really want to help.
- Mon Jun 05, 2023 1:35 pm
- Forum: Personal Investments
- Topic: On the fence of adding small cap value
- Replies: 49
- Views: 6975
Re: On the fence of adding small cap value
+1CommitmentDevice wrote: ↑Mon Jun 05, 2023 12:07 pm There are good reasons to tilt or not to tilt.
Personally, I don't tilt because of a strong preference for simplicity. To me, tilting opens the door to all sorts of unanswerable questions like "How much to tilt?," "In which direction should I tilt?," and "Should I reevaluate my past decisions based upon the newest flavor of the month?"
I don't trust my ability to come up with answers to those questions that will probably beat the market, and I couldn't be bothered to put in the work.
- Mon Jun 05, 2023 6:25 am
- Forum: Personal Investments
- Topic: Looking at VYM in place of Bonds in Taxable
- Replies: 21
- Views: 2925
Re: Looking at VYM in place of Bonds in Taxable
Don't do it.
- Fri Jun 02, 2023 11:43 am
- Forum: Personal Investments
- Topic: How are we doing?
- Replies: 12
- Views: 1923
Re: How are we doing?
You're doing well. Keep it up.
- Fri Jun 02, 2023 11:41 am
- Forum: Investing - Theory, News & General
- Topic: Why not growth all the way?
- Replies: 56
- Views: 4927
Re: Why not growth all the way?
Total market funds prevent me from having to ask this question. Don't worry about it.
- Fri Jun 02, 2023 11:40 am
- Forum: Investing - Theory, News & General
- Topic: Cliff Asness on bonds and stock telling a different story
- Replies: 90
- Views: 7821
Re: Cliff Asness on bonds and stock telling a different story
I have no idea.
- Thu Jun 01, 2023 12:21 pm
- Forum: Investing - Theory, News & General
- Topic: Do you track your returns, and if so, why?
- Replies: 103
- Views: 8593
Re: Do you track your returns, and if so, why?
No. Not worth my time. I have an AA, and I stick to it. The returns will be what the returns will be.
- Thu Jun 01, 2023 12:19 pm
- Forum: Personal Investments
- Topic: $350k from sale of house. Best placement for 6mo-2yrs
- Replies: 9
- Views: 1256
Re: $350k from sale of house. Best placement for 6mo-2yrs
+2Glockenspiel wrote: ↑Thu Jun 01, 2023 11:15 am+1. Yield of around 5%, though could decrease over the course of time. Safe and easily accessible.SquawkIdent wrote: ↑Thu Jun 01, 2023 10:50 am Time when the is needed is unknown.
Let’s keep this nice and simple…
My vote goes to VMFXX.
- Thu Jun 01, 2023 6:33 am
- Forum: Personal Investments
- Topic: Should I go all in with Vanguard or "diversify" with Fidelity?
- Replies: 48
- Views: 7625
Re: Should I go all in with Vanguard or "diversify" with Fidelity?
Either way, I think you'll be fine. Do what makes you comfortable.
- Wed May 31, 2023 3:00 pm
- Forum: Personal Investments
- Topic: AI stocks
- Replies: 14
- Views: 1614
Re: AI stocks
Who knows? Things do tend to get pretty bubbly with tech, though, so I wouldn't get too excited.
- Wed May 31, 2023 2:58 pm
- Forum: Personal Investments
- Topic: What do you do for bonds?
- Replies: 49
- Views: 5335
Re: What do you do for bonds?
Total Bond. I sleep like a baby.
- Wed May 31, 2023 9:08 am
- Forum: Investing - Theory, News & General
- Topic: "Important Changes to Vanguard Total Stock Market Index Fund..."
- Replies: 35
- Views: 6479
Re: "Important Changes to Vanguard Total Stock Market Index Fund..."
Yes, but this knowledge isn't really actionable.
- Tue May 30, 2023 8:50 am
- Forum: Investing - Theory, News & General
- Topic: "Important Changes to Vanguard Total Stock Market Index Fund..."
- Replies: 35
- Views: 6479
- Tue May 23, 2023 3:52 pm
- Forum: Personal Investments
- Topic: 70 years old with a 50/50 portfolio too aggressive?
- Replies: 60
- Views: 10710
Re: 70 years old with a 50/50 portfolio too aggressive?
Sounds reasonable, but it also depends on your comfort level.
- Mon May 22, 2023 8:52 am
- Forum: Investing - Theory, News & General
- Topic: How much International allocation is good insurance?
- Replies: 251
- Views: 18122
Re: How much International allocation is good insurance?
In my view, maybe 1/3 of stock allocation, but there are many opinions regarding this. Mine is ~40%.
- Mon May 22, 2023 8:51 am
- Forum: Personal Investments
- Topic: Is my 401(k) plan Good or Bad
- Replies: 31
- Views: 1994
Re: Is my 401(k) plan Good or Bad
I pay $72 in fees, so your fees sound high to me. I agree with others that the match is low (I have none, though) and the expense ratio on the Target Date Fund is excellent.
- Wed May 17, 2023 1:50 pm
- Forum: Personal Investments
- Topic: 18 to 100 percent annual return fund
- Replies: 223
- Views: 41709
Re: 18 to 100 percent annual return fund
My father paid a portion of his college costs after making a correct options bet. His reflection: "I wouldn't do it again. I could have just as easily lost the principal investment." Don't pay this clown any mind.
- Wed May 17, 2023 1:46 pm
- Forum: Personal Investments
- Topic: Advice to retire early? Currently 29 making 140k
- Replies: 33
- Views: 4130
Re: Advice to retire early? Currently 29 making 140k
Let's respect the OP's privacy re: living past 50.
- Tue May 16, 2023 12:27 pm
- Forum: Personal Investments
- Topic: Regional bank preferred stock
- Replies: 22
- Views: 1828
Re: Regional bank preferred stock
Not a huge fan of preferreds.
- Mon May 15, 2023 2:11 pm
- Forum: Personal Investments
- Topic: investing in miami
- Replies: 25
- Views: 2493
Re: investing in miami
I know someone who lived in Miami. She told me it's already ridiculously expensive. I doubt you're going to get anything for a steal. They can try and make it safer all they want, but the northern edge of the city still looks like a dump when you're barreling down I-95.
- Mon May 15, 2023 8:43 am
- Forum: Personal Investments
- Topic: Retirement investment portfolio
- Replies: 4
- Views: 902
Re: Retirement investment portfolio
At first glance, 8 ETFs seems a bit complicated, but I haven't looked up the ticker symbols.
- Fri May 12, 2023 1:53 pm
- Forum: Personal Investments
- Topic: Is it time to buy the dip in regional banks?
- Replies: 72
- Views: 8888
Re: Is it time to buy the dip in regional banks?
The answer is one of the following:
It is a value.
It is a value trap.
Whatever you do, make sure you don't get caught on the wrong side of things.
It is a value.
It is a value trap.
Whatever you do, make sure you don't get caught on the wrong side of things.
- Fri May 05, 2023 6:38 am
- Forum: Personal Investments
- Topic: Fisher Investors - Your Opinions, Please
- Replies: 45
- Views: 6395
Re: Fisher Investors - Your Opinions, Please
They sent you binoculars? I want in (but not really)!TomatoTomahto wrote: ↑Tue Mar 14, 2023 10:00 am There might not be that many people who went with Fisher or who are willing to admit it here on BH. We did not go with Fisher but sometimes use the binoculars they sent us. Grateful.
- Fri May 05, 2023 6:37 am
- Forum: Personal Investments
- Topic: Land as Asset Class
- Replies: 22
- Views: 2026
Re: Land as Asset Class
What I'm saying is there's no reason to go searching for a land investment if you don't already own it. If you own it, then you'll need to evaluate whether you want to keep it or sell it. I get your point, though.
- Thu May 04, 2023 4:10 pm
- Forum: Personal Investments
- Topic: Land as Asset Class
- Replies: 22
- Views: 2026
Re: Land as Asset Class
My take:
If you inherit land, that's one thing. Otherwise, stick with equities, unless you really know what you are doing.
If you inherit land, that's one thing. Otherwise, stick with equities, unless you really know what you are doing.
- Thu May 04, 2023 4:08 pm
- Forum: Personal Investments
- Topic: Wise to put 100K in 4 month T-bills in this climate?
- Replies: 49
- Views: 10097
Re: Wise to put 100K in 4 month T-bills in this climate?
Shouldn't be a problem.
- Tue May 02, 2023 10:58 am
- Forum: Personal Investments
- Topic: Do you really need TIPS if you have a high allocation to equities?
- Replies: 84
- Views: 7254
Re: Do you really need TIPS if you have a high allocation to equities?
I have never allocated money to TIPS, and I doubt I ever will. I just do not have the itch.
- Mon May 01, 2023 2:17 pm
- Forum: Personal Finance (Not Investing)
- Topic: Transferring Soon-to-be-Credit Card Debt to Some Sort of Zero Interest Deal
- Replies: 8
- Views: 746
Re: Transferring Soon-to-be-Credit Card Debt to Some Sort of Zero Interest Deal
That would be interesting to know. My score is usually 800+.Samosa22 wrote: ↑Mon May 01, 2023 1:45 pmAny idea whether they offer a generous credit limit to folks with excellent credit score? Asking because many banks with 0% balance transfer offer are also notorious for extending a miserable credit limit (hello Bank of America).Jags4186 wrote: ↑Mon May 01, 2023 1:10 pm https://creditcards.wellsfargo.com/refl ... or_code=WF
3% transfer fee. 21 months 0% APR. Best of luck.
- Mon May 01, 2023 1:36 pm
- Forum: Personal Finance (Not Investing)
- Topic: Transferring Soon-to-be-Credit Card Debt to Some Sort of Zero Interest Deal
- Replies: 8
- Views: 746
- Mon May 01, 2023 12:09 pm
- Forum: Personal Finance (Not Investing)
- Topic: Transferring Soon-to-be-Credit Card Debt to Some Sort of Zero Interest Deal
- Replies: 8
- Views: 746
Transferring Soon-to-be-Credit Card Debt to Some Sort of Zero Interest Deal
All,
Unfortunately, I am a little over my skis and have accrued approximately $5K in soon-to-be credit card debt. How can I find an opportunity to transfer the balance to a card with a period of zero interest?
3funder
Unfortunately, I am a little over my skis and have accrued approximately $5K in soon-to-be credit card debt. How can I find an opportunity to transfer the balance to a card with a period of zero interest?
3funder
- Thu Apr 27, 2023 2:12 pm
- Forum: Personal Investments
- Topic: Please review my finances
- Replies: 19
- Views: 1942
Re: Please review my finances
Wait until you start shopping preschools. Daycare will sound like a dream.ConfidentBusiness wrote: ↑Wed Apr 26, 2023 11:13 pm We’re also paying 1600/month to daycare right now (pretty painful). In the event one of us lost our job, we would also eliminate daycare expense. So we’re fairly comfortable with the $20K EF.
- Thu Apr 27, 2023 1:47 pm
- Forum: Personal Investments
- Topic: Is Active Management coming back?
- Replies: 51
- Views: 4168
Re: Is Active Management coming back?
There is so much analyst coverage of US stocks that it is very difficult to beat the index for any sort of prolonged period of time. Allocating a modest portion of your portfolio to carefully-selected, low-cost actively managed funds probably won't torpedo your retirement, but I would only hope, not expect, that it will be a value-added.
- Wed Apr 26, 2023 2:26 pm
- Forum: Personal Finance (Not Investing)
- Topic: Life Insurance at 25
- Replies: 19
- Views: 1354
Re: Life Insurance at 25
Right now, based what little I know about you, it doesn't sound like you need life insurance.
- Tue Apr 25, 2023 2:57 pm
- Forum: Investing - Theory, News & General
- Topic: How much International allocation is good insurance?
- Replies: 251
- Views: 18122
Re: How much International allocation is good insurance?
If an investor views a single country equity portfolio, like US only, as a concentration risk they can insure this risk away by diversifying across international markets You might be able to reduce the US risk somewhat. We're pretty big and it's not so easy to insure the US risk away, especially when you merely diversify (i.e. still holding US equities). In my mind the biggest risk of a US only portfolio is not a drawdown scenario where US zigs and ex US zags, but a period of prolonged underperformance of US due to current valuations. For the 12 year period ending in 2021 US stocks returned 16%/year. This is a phenomenal return for equities but it is not normal or sustainable. US stocks have become more richly valued than ex US stocks and ...
- Tue Apr 25, 2023 2:13 pm
- Forum: Personal Investments
- Topic: Where can I park 100K for a year or two?
- Replies: 16
- Views: 3614
Re: Where can I park 100K for a year or two?
CDs lock your money up. No thanks. I'd go HYSA before I'd ever go CDs.