Search found 315 matches

by youngpleb
Wed Jul 22, 2020 8:03 pm
Forum: Personal Investments
Topic: What is your game plan as market is reaching its previous all time high?
Replies: 135
Views: 12970

Re: What is your game plan as market is reaching its previous all time high?

Continue to divert new capital towards the further accumulation of equities :mrgreen:
by youngpleb
Tue Jul 21, 2020 8:43 pm
Forum: Investing - Theory, News & General
Topic: What famous investing quote reminds you of your investing style?
Replies: 151
Views: 7354

Re: What famous investing quote reminds you of your investing style?

“To become rich, spend less than you make, do it for a long time, and invest the difference.”

I forget who says it, but I like the simplicity of it.
by youngpleb
Sun Jul 19, 2020 8:30 am
Forum: Personal Investments
Topic: When to sell individual stock after run up?
Replies: 51
Views: 3776

Re: When to sell individual stock after run up?

I had one oil stock I picked up in March go about 6x in the span of 2 months. I was amazed, but didn’t sell. Since then, it has lost half its value and is back to a “measly” 3x return. I can’t sell it now though because I’ve seen where it can go lol. It was all fun money anyways, so I’m just letting...
by youngpleb
Fri Jul 17, 2020 4:38 pm
Forum: Investing - Theory, News & General
Topic: Questions for Rick Ferri and Paul Merriman?
Replies: 62
Views: 6175

Re: Questions for Rick Ferri and Paul Merriman?

Does Rick still hold to and recommend the Core-4 portfolio?
by youngpleb
Fri Jul 17, 2020 4:36 pm
Forum: Investing - Theory, News & General
Topic: When does it make sense to stop contributing to your investment nest egg?
Replies: 15
Views: 1952

Re: When does it make sense to stop contributing to your investment nest egg?

Hmmm interesting question. Being 29, I don't think I would ever stop contributing to my retirement accounts just because of future uncertainty...maybe I wouldn't even need the money, but I would still appreciate the tax advantages so I'd probably continue to max out my 401k via pre-tax at least. I g...
by youngpleb
Thu Jul 16, 2020 4:48 pm
Forum: Personal Consumer Issues
Topic: Anyone else love this new working from home thing?
Replies: 89
Views: 6296

Re: Anyone else love this new working from home thing?

Haven’t worked a single day from home in all of this :(
by youngpleb
Tue Jul 14, 2020 8:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 569
Views: 116709

Re: Vanguard's Wellesley Income fund is incredible

Call me crazy, but I have recently come to the conclusion that I will be using Wellesley for what I view as the second tranche of my emergency fund. 12 months cash in a high yield savings account, then 6 months in Wellesley. I did the same thing back when we still had an emergency fund (2/3 in Well...
by youngpleb
Mon Jul 13, 2020 8:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 569
Views: 116709

Re: Vanguard's Wellesley Income fund is incredible

Call me crazy, but I have recently come to the conclusion that I will be using Wellesley for what I view as the second tranche of my emergency fund. 12 months cash in a high yield savings account, then 6 months in Wellesley. The bonds help stabilize it, and the absence of FAANG style stocks on the e...
by youngpleb
Wed Jul 08, 2020 5:55 pm
Forum: Investing - Theory, News & General
Topic: Didn't receive Q1 2020 dividend for VFSAX (Vanguard FTSE All-World ex-US Small-Cap Index Fund)
Replies: 8
Views: 989

Re: Didn't receive Q1 2020 dividend for VFSAX (Vanguard FTSE All-World ex-US Small-Cap Index Fund)

I noticed this too. I kept thinking there would definitely be a Q2 dividend since those are usually fairly large for international index funds. No complaints here, just confusion! How does a fund with only 16% turnover in the previous year pay out 0.82% of its value this time last year but nothing t...
by youngpleb
Mon Jun 08, 2020 9:15 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 2012
Views: 159972

Re: Small Cap Value heads Rejoice !!!

Steve Reading wrote:
Fri Jun 05, 2020 10:38 pm
Wait, I forgot. Are us SCV heads supposed to rejoice when they rally a lot, or when they're beaten down to a pulp and extremely attractively priced?
Yes.
by youngpleb
Sat May 23, 2020 5:16 pm
Forum: Investing - Theory, News & General
Topic: Examples of why NOT to hold individual stocks
Replies: 93
Views: 7838

Re: Examples of why NOT to hold individual stocks

You can't just pick a random stock that tanked and use it as an example to not hold single stocks...

Counter example: my small oil stock is up nearly 200% since I bought it 2 months ago. But that isn't a reason to hold individual stocks.
by youngpleb
Thu May 14, 2020 10:00 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 2012
Views: 159972

Re: Small Cap Value heads Rejoice !!!

Rebalancing into my SCV fund today! It started to lag behind enough for me to notice, against international small cap of all things :mrgreen:
by youngpleb
Sat May 09, 2020 5:50 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3136
Views: 543277

Re: What are you up YTD? [Year To Date]

My individual stock-picking portfolio is up 183% YTD, but unfortunately for me it makes up less than 0.5% of my actual portfolio :mrgreen:
by youngpleb
Tue Mar 31, 2020 7:06 pm
Forum: Personal Consumer Issues
Topic: Making the most of COVID-19. What deals have you taken advantage of?
Replies: 19
Views: 3680

Re: Making the most of COVID-19. What deals have you taken advantage of?

I bought a few cheap oil stocks that are small companies which were (pre-OPEC and corona madness) about to start paying dividends for the first time. They instead just pushed off dividends to a later quarter. With no dividends, they aren't bleeding as much cash as the bigger companies. They have a t...
by youngpleb
Wed Mar 04, 2020 7:36 pm
Forum: Investing - Theory, News & General
Topic: stop playing the game, 0/100 and hyperinflation scenario
Replies: 60
Views: 4493

Re: stop playing the game, 0/100 and hyperinflation scenario

how does stop playing the game (i.e., accumulated 25x annual expense, and moving to 0/100) hedges against hyperinflation scenario? You know, I've read a lot of finance books (40+) and countless articles, and I'm pretty sure I've never seen anyone ever recommend going 0/100. The minimum % of stock a...
by youngpleb
Sun Mar 01, 2020 8:54 pm
Forum: Investing - Theory, News & General
Topic: stop playing the game, 0/100 and hyperinflation scenario
Replies: 60
Views: 4493

Re: stop playing the game, 0/100 and hyperinflation scenario

how does stop playing the game (i.e., accumulated 25x annual expense, and moving to 0/100) hedges against hyperinflation scenario? You know, I've read a lot of finance books (40+) and countless articles, and I'm pretty sure I've never seen anyone ever recommend going 0/100. The minimum % of stock a...
by youngpleb
Sun Mar 01, 2020 4:23 pm
Forum: Investing - Theory, News & General
Topic: Millionaire Next Door compared to Dave Ramsey research
Replies: 31
Views: 4162

Re: Millionaire Next Door compared to Dave Ramsey research

Well, a million in 1996 had the buying power of 1.64 million today for starters. Honestly it doesn't seem difficult to reach millionaire status today...get a decent job, buy a house, put away 15% in your 401k and let sit for thirty years. You'll probably be one on paper at least. I'm not sure how th...
by youngpleb
Thu Feb 20, 2020 9:06 pm
Forum: Personal Investments
Topic: Has Vanguard deteriorated?
Replies: 114
Views: 9929

Re: Has Vanguard deteriorated?

I’m a new Boglehead.Just finished “The three fund portfolio” makes a lot of sense, figured I’d move my portfolio into Vanguard from Ameritrade. But reading recent posts most of them were highly critical of Vanguard. Very surprised at so much criticism from other Bogleheads. Should I reconsider movi...
by youngpleb
Mon Feb 03, 2020 9:05 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 288
Views: 37743

Re: What video games are you currently playing?

Last 3 games that I finished: The Witcher 3 and DLCs, Horizon Zero Dawn and DLC, then The Witcher 2. Kind of scrounging around looking for something else. Got my eye on Greedfall and the Outer Worlds - but I prefer to wait until at least the game has matured with maybe a DLC or two, and maybe a "Ga...
by youngpleb
Mon Feb 03, 2020 9:03 pm
Forum: Investing - Theory, News & General
Topic: Allocation to International Recommendations
Replies: 23
Views: 1661

Re: Allocation to International Recommendations

There isn't really a recommended allocation % to international. It literally ranges from 0% to ~50% for people here. Bogle didn't really believe in it, which is kinda odd given the rest of his principles. But there are also others on the opposite side who recommend holding a global asset allocation.
by youngpleb
Sun Jan 19, 2020 3:00 pm
Forum: Personal Investments
Topic: Retirement Imminent, Advice Sought
Replies: 8
Views: 1072

Re: Retirement Imminent, Advice Sought

I think I would go ahead and contribute to Roth accounts, particularly if they are more than 5 years old, so you could withdraw without penalty any way you wanted, if needed. Thank you. They are only 2 years old at this point. So the 5 year rule still applies even if we are over 59.5? The rules sur...
by youngpleb
Sun Jan 19, 2020 2:58 pm
Forum: Personal Investments
Topic: Retirement Imminent, Advice Sought
Replies: 8
Views: 1072

Re: Retirement Imminent, Advice Sought

What are the home additions you speak of? I retired at 61 and am waiting for SS at age 69/70. Funding for income is coming from taxable and IRAs. I’ve purchased CDs for most expenses til SS and will take the rest as distributions from IRA. I want to limit SOR risk until SS is available and covers m...
by youngpleb
Sun Jan 19, 2020 2:55 pm
Forum: Personal Investments
Topic: Retirement Imminent, Advice Sought
Replies: 8
Views: 1072

Re: Retirement Imminent, Advice Sought

You are doing great. You can absolutely afford to take out the $50,000 to $60,000 during Medicare gap years and then rely primarily on SS. Your concerns about market volatility can be solved if you consider a rising equity glide path after your initial retirement years end. I have linked an article...
by youngpleb
Sat Jan 18, 2020 10:04 pm
Forum: Personal Investments
Topic: Retirement Imminent, Advice Sought
Replies: 8
Views: 1072

Retirement Imminent, Advice Sought

Planning to retire in early 2021 after 38 years with the same company. My wife and I are pretty conservative when it comes to investing, and we second guess ourselves a lot. My wife has not worked for several years due to some moderate health issues, but she is very involved in helping plan our fina...
by youngpleb
Sat Jan 04, 2020 3:01 pm
Forum: Personal Investments
Topic: Aggressive(ish) Portfolio Recommendations
Replies: 10
Views: 997

Re: Aggressive(ish) Portfolio Recommendations

BHs, New to the community and happy to be here. I'm looking for IRA Portfolio recommendations that skew more aggressive than the typical IRA portfolios recommended here and elsewhere. I'm a married 31yo military member and plan to serve until I earn my pension. I also invest in the TSP (C and S Fun...
by youngpleb
Fri Jan 03, 2020 5:55 pm
Forum: Investing - Theory, News & General
Topic: Faith driven investing
Replies: 71
Views: 4957

Re: Faith driven investing

If I morally disagree with a company (which I think is the basic theme of this thread), I don't see a problem with investing in said company. At the very least, every dollar they pay me in dividends is one less dollar that they will have. Plus, like others have said, it's not like the money I pay fo...
by youngpleb
Sun Dec 29, 2019 2:51 pm
Forum: Investing - Theory, News & General
Topic: Will RMD lower your wealth
Replies: 37
Views: 3732

Re: Will RMD lower your wealth

I understand there is a lot that can dictate if RMD will effect your portfolio numbers. What are your thoughts of the results of paying a large amount of taxes effect one's wealth. Lets assume that all distribution money minus taxes goes right back into the markets. Not sure if there has been any s...
by youngpleb
Thu Dec 26, 2019 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: 26 years old - How am I doing?
Replies: 40
Views: 4466

Re: 26 years old - How am I doing?

Looks good to me! The only thing I noticed is that you might want to bulk up your emergency fund some more before you leave home so it can cover 6-ish months of expenses.
by youngpleb
Thu Dec 26, 2019 3:02 pm
Forum: Personal Investments
Topic: M1 Finance Inactivity Fee?
Replies: 22
Views: 1720

Re: M1 Finance Inactivity Fee?

Just got hit with this in my taxable account which they force us to open before opening an IRA. -$20.00 Date Dec 24, 2019 Description FEE_INACTIVITY Now account is sitting at $10.12 with a cash balance of -$20. What the ....? Did it sit at $20 or below for 90 or more days? They have an inactivity f...
by youngpleb
Sat Dec 14, 2019 9:14 am
Forum: Personal Investments
Topic: Pick a stock
Replies: 93
Views: 5111

Re: Pick a stock

Tesla I’ve been holding for years because I think they are the future. Also I lend out the shares because it’s such a shorted stock. I get a pretty ridiculous amount of interest of like 20-30% of the value of my position in cash every year Haha that's pretty cool. So how do you go about lending you...
by youngpleb
Sat Dec 07, 2019 11:34 pm
Forum: Investing - Theory, News & General
Topic: Favorite stock(s) and why
Replies: 131
Views: 8519

Re: Favorite stock(s) and why

I own AT&T and Ford, but it's less than 1% of my portfolio. Definitely a funny money account! I like to mess around with value investing, so I've got several on my watch list at the moment.
by youngpleb
Sun Nov 24, 2019 3:39 pm
Forum: Personal Investments
Topic: Is Betterment good for a non IRA investing?
Replies: 11
Views: 1505

Re: Is Betterment good for a non IRA investing?

thelateinvestor43 wrote:
Sun Nov 24, 2019 12:36 am
Thanks. Right now I know ZERO about tax loss harvesting.
The site wiki does a pretty good job explaining it using a few different scenarios. https://www.bogleheads.org/wiki/Tax_loss_harvesting
by youngpleb
Sat Nov 23, 2019 6:13 pm
Forum: Personal Investments
Topic: Is Betterment good for a non IRA investing?
Replies: 11
Views: 1505

Re: Is Betterment good for a non IRA investing?

In my opinion it’s not worth it. The tax loss harvesting is really the only pro. But If you have a very Boglehead portfolio, then tax loss harvesting should be very easy for you!
by youngpleb
Wed Nov 20, 2019 7:00 am
Forum: Investing - Theory, News & General
Topic: market went down in 2018, so why do people forget that
Replies: 48
Views: 5411

Re: market went down in 2018, so why do people forget that

I think people tend to forget because it had pumped up pretty quickly in the months before October IIRC. So it felt like those gains were being erased rather than actual contributions losing value.
by youngpleb
Wed Nov 20, 2019 6:55 am
Forum: Personal Investments
Topic: Leaving large amount of money in savings at 0.05%?
Replies: 21
Views: 2771

Re: Leaving large amount of money in savings at 0.05%?

My credit unions savings where I have an emergency fund and money awaiting my IRA only getting 0.05%. Should I put most of this money in a money market? Some of it is emergency fund and some will get invested into my IRA at $6k rate a year. The money market in my credit union also only earns 0.20%....
by youngpleb
Tue Nov 19, 2019 7:52 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffet says NOT to diversify?
Replies: 37
Views: 5366

Re: Warren Buffet says NOT to diversify?

I was watching something on Warren Buffet and he says "all that diversification shows is that the investor really doesn't know what he or she is doing and is basically ignorant". Which I am of course. He says he could never understand why someone would pick 50 or so stocks or something like a mutua...
by youngpleb
Sat Nov 16, 2019 8:37 am
Forum: Investing - Theory, News & General
Topic: What happened to FXNAX during 2008?
Replies: 24
Views: 1871

Re: What happened to FXNAX during 2008?

Doesn't look like FxNAX was a thing until 2011, but I'd imagine it would have performed the same as any other total bond index--dropping slightly in value but then surging.
by youngpleb
Wed Nov 13, 2019 10:17 pm
Forum: Personal Investments
Topic: Small value in 50-50 retirement portfolio
Replies: 16
Views: 1679

Re: Small value in 50-50 retirement portfolio

SCV often contains a good amount of REITs inside itself, so I'd probably just put all 10% into SCV and be done with it.
by youngpleb
Tue Oct 29, 2019 8:01 pm
Forum: Investing - Theory, News & General
Topic: Funds Missing from Vanguard Funds List
Replies: 16
Views: 2932

Re: Global ex-U.S. RE Missing from Funds List

Hmmm that's very strange. Their reasoning makes sense I guess, but then again why not apply it to other funds as well?
by youngpleb
Sun Oct 20, 2019 11:47 am
Forum: Personal Investments
Topic: HSA Investments - why all not invested??
Replies: 4
Views: 476

Re: HSA Investments - why all not invested??

runner3081 wrote:
Sun Oct 20, 2019 11:07 am
Some HSA's have a requirement for an amount that can not be invested.
True, but I’ve never heard of one that required a cash balance that high!
by youngpleb
Fri Oct 11, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)
Replies: 38
Views: 4344

Re: How to watch Football games online in budget ?

I had to fire up a Youtube TV trial for one of my college team's games (it was on ACC Network and my cable provider didn't have that). I was really impressed with their channel selection and their app in general. I think it lagged once the entire game. Since it is month to month I think it is hard t...
by youngpleb
Fri Sep 06, 2019 7:28 pm
Forum: Personal Investments
Topic: 2 Year Portfolio Checkup + Advice (28 y.o.)
Replies: 4
Views: 711

Re: 2 Year Portfolio Checkup + Advice (28 y.o.)

I recommend Bernstein's "Investing for Adults" series, especially Deep Risk . Also, I recommend reading the withdrawal rate analysis on earlyretirementnow.com, which is not a book but as long and complex as a book :). Both of these resources will help answer your question about stock/bond AA glidep...
by youngpleb
Wed Sep 04, 2019 7:04 pm
Forum: Personal Investments
Topic: 2 Year Portfolio Checkup + Advice (28 y.o.)
Replies: 4
Views: 711

2 Year Portfolio Checkup + Advice (28 y.o.)

Hi everyone, First just wanted to say that I really enjoy spending time on the Bogleheads site and reading the knowledge of so many others who have been doing this way longer or have much more experience than me. I graduated from grad school at 26, and have been working for 2 years now as of today. ...
by youngpleb
Mon Aug 19, 2019 6:57 pm
Forum: Personal Investments
Topic: 23-Year-Old: Question About Portfolio
Replies: 7
Views: 665

Re: 23-Year-Old: Question About Portfolio

Congrats on the new job. It's a great idea to live at home for a while. Be thankful for your parents! Maybe consider paying them a bit if they will accept it. 3K/month is good and you will quickly build a solid nest egg. It really depends on your gross salary, but the general advice is 1) Contribute...
by youngpleb
Mon Aug 12, 2019 6:39 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 18708

Re: Wellesley 56.05% drop today

Lol do people seriously not check other funds to see if there was a technical glitch? Don't be such a sheep :oops: I saw that the Argentinian market (see MERVAL index) actually did have a huge crash today (~40%ish) so I clicked on the Vanguard funds list page to see how it had impacted EM and Intern...
by youngpleb
Tue Jul 23, 2019 8:03 pm
Forum: Personal Investments
Topic: 24 years old: How should I invest my extra money?
Replies: 17
Views: 1320

Re: 24 years old: How should I invest my extra money?

Hi everyone - I am 24 years old and I have a net worth of ~$100k. My salary is $83k, I have no debt and my expenses are minimal (I don't pay rent since I live at home with my parents). I am a complete newbie to investing so this is my attempt to get started. My mom, who reads this forum religiously...
by youngpleb
Sun Jul 14, 2019 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Did rockstarfinance.com sell their domain? It's trash now.
Replies: 18
Views: 2501

Re: Did rockstarfinance.com sell their domain? It's trash now.

Thanks for the history. Do you have any favorite PF sites currently? Wonder how the current crappy owner is monetizing the site when hits/views are dropping like crazy. My consolation prizes are campfirefinance who still does daily articles curation. And Grant Sabateur(??) Who I stopped reading due...
by youngpleb
Sun Jul 14, 2019 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Did rockstarfinance.com sell their domain? It's trash now.
Replies: 18
Views: 2501

Re: Did rockstarfinance.com sell their domain? It's trash now.

Thesaints wrote:
Sun Jul 14, 2019 4:50 pm
As if something named "rockstarfinance" could be confused with something worth of attention...
Says the person posting on "Bogleheads.org" :oops:
by youngpleb
Sun Jul 14, 2019 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Did rockstarfinance.com sell their domain? It's trash now.
Replies: 18
Views: 2501

Re: Did rockstarfinance.com sell their domain? It's trash now.

Yup, it went to crap pretty quickly in my opinion. I removed it from my Chrome folder of financial blogs that I like to read, when before it had occupied the #1 spot. It was created by J-money of BudgetsAreSexy, then sold to the guy who owns ESI Money for a couple years, then the new owner bought it...
by youngpleb
Sat Jul 13, 2019 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Does saving 20% towards retirement starting in your twenties allow you to retire early?
Replies: 144
Views: 16299

Re: Does saving 20% towards retirement starting in your twenties allow you to retire early?

This is the most vague and ridiculous chart ever! How much do you need to retire is a personal choice and depends on how much you need to survive. MMM makes a ton of money from his website in his "early retirement" and pushes unrealistic return expectations. Be careful with putting your retirement ...