Search found 258 matches

by youngpleb
Sun Apr 07, 2019 8:08 pm
Forum: Personal Investments
Topic: DFE etf yield (WisdomTree Europe SmallCap Dividend Fund)
Replies: 6
Views: 378

Re: DFE etf yield (WisdomTree Europe SmallCap Dividend Fund)

Well, judging by their recent distributions on the link you provided, I'd say it's much closer to 4%.

According to google: Distribution Yield = 30-day distribution amount x 12/end of month NAV
by youngpleb
Sun Apr 07, 2019 7:58 pm
Forum: Investing - Theory, News & General
Topic: Kevin O’Leary’s Funds
Replies: 8
Views: 1654

Re: Kevin O’Leary’s Funds

I think his thing is more "I don't buy stocks that don't pay a dividend," which when framed that way makes it seem a bit different. He is just your typical value investor. Didn't make his money from investing I believe, so not really much to see here. If I had millions, I'd probably only do dividend...
by youngpleb
Sun Apr 07, 2019 7:53 pm
Forum: Investing - Theory, News & General
Topic: Investment Books
Replies: 11
Views: 865

Re: Investment Books

After I read Boglehead's Guide to Investing, which I consider my gateway book into personal investing, I then went and read Four Pillars of Investing (Bernstein) and also Random Walk Down Wall Street (Malkiel), both of which I really enjoyed. Since you've already got a feel for the basics, maybe giv...
by youngpleb
Fri Mar 29, 2019 6:22 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 5209

Re: Help on Women and Investing

It could just be random chance, but the women I know who are interested in investing and saving for retirement do not read many investment books and instead prefer investment podcasts and reading investment blogs. So maybe introduce them to several different mediums?
by youngpleb
Sun Mar 17, 2019 6:58 am
Forum: Investing - Theory, News & General
Topic: Favorite investment quote
Replies: 73
Views: 3831

Re: Favorite investment quote

“The first $100,000 is a b!tch but you’ve got to do it.” —Charlie Munger
by youngpleb
Sun Feb 24, 2019 8:24 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4389
Views: 1144930

Re: What Movie Have You Recently Watched?

Not sure what you mean by "same style of movie," but I don't think there's another Wall Street film quite like "Short," thanks largely to its improv comedy director Adam McKay, who understood the financial crisis and Michael Lewis's book about it, and went on to win the Academy Award for "Best Adap...
by youngpleb
Sun Feb 24, 2019 10:11 am
Forum: Investing - Theory, News & General
Topic: Foresight question: did YOU make a killing on NECCO Sweethearts candy?
Replies: 30
Views: 3472

Re: Foresight question: did YOU make a killing on NECCO Sweethearts candy?

I once found a blog (forget the name) run by a woman who a couple years ago started to produce the same little candy hearts but the text was customized based on user order. IIRC she got so many orders the first Valentine’s Day that she was unable to have them all filled by the company she was using....
by youngpleb
Sun Feb 24, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4389
Views: 1144930

Re: What Movie Have You Recently Watched?

I finally got around to watching The Big Short last night. Tremendously enjoyed it! I was in high school in 2008 so I didn’t pay too much attention to the economy at the time. Still can’t believe not many people saw that coming! I’m sure the movie took everything and presented it as a more simplifie...
by youngpleb
Sat Feb 23, 2019 7:05 pm
Forum: Personal Investments
Topic: bitcoin guy wants to stock market
Replies: 234
Views: 11347

Re: bitcoin guy wants to stock market

i did good with crypto and now i'm trying to figure out what to do with a good chunk of change. i'm early 30's not working and don't want to work. i already bought a home and have investments in peer to peer lending REIT's and robo advisors. (betterment wealthfront fidelity schwab) i've been lookin...
by youngpleb
Thu Feb 21, 2019 8:54 pm
Forum: Personal Consumer Issues
Topic: Do you tip the guys at Home Depot?
Replies: 80
Views: 5019

Re: Do you tip the guys at Home Depot?

I worked at Lowe's for 6 months during college in Outdoor Lawn & Garden (a beast of a department during summertime). Must have been pretty good at it, because people tried to tip every other day or so when I'd load up stuff for them. We were instructed that we couldn't take any tips. Not sure why th...
by youngpleb
Tue Feb 19, 2019 9:59 pm
Forum: Investing - Theory, News & General
Topic: What do you think of this portfolio? (not mine)
Replies: 30
Views: 2432

Re: What do you think of this portfolio? (not mine)

Haha the 1% in cash made me laugh. Why in the heck...
by youngpleb
Fri Feb 15, 2019 5:11 pm
Forum: Personal Investments
Topic: Time to pull the plug?
Replies: 15
Views: 2921

Re: Time to pull the plug?

I'd just leave it where it is, stop contributing anything more to it if you still are, and keep on keeping on. After all, it's not like it's a large part of your portfolio.
by youngpleb
Thu Feb 14, 2019 9:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard "secret" funds
Replies: 35
Views: 6848

Re: Vanguard "secret" funds

It's true...VTSAX is a good fund to own, but the super secret VT$$$AX more than doubles its returns every year. :mrgreen:
by youngpleb
Mon Feb 11, 2019 8:16 pm
Forum: Investing - Theory, News & General
Topic: "Don’t Compare Your Investment Returns With Others (Especially On The Internet)"
Replies: 34
Views: 3506

Re: "Don’t Compare Your Investment Returns With Others (Especially On The Internet)"

It can definitely be a source of stress. I read a lot of different finance blogs written by individuals who do things like investment returns and networth reports. If you're just starting out, it can be a bummer. So now I lay off of those blogs and only brush up every other week or so instead of eve...
by youngpleb
Fri Feb 08, 2019 1:20 pm
Forum: Investing - Theory, News & General
Topic: When to add safety?
Replies: 10
Views: 1010

Re: When to add safety?

Doing some research...It shows that adding some Govt. Treasuries will 99% of the max return if I was 100% S&P500, with only 60% or so of the risk of being all large cap stocks. Does anyone disagree with this? I am young, and somewhat weary of adding treasuries at this point of the game, but charts ...
by youngpleb
Thu Feb 07, 2019 8:36 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Admiral Shares
Replies: 1
Views: 831

Re: New Vanguard Admiral Shares

Didn't see a topic on this, so apologies if it was already posted. Just wanted to share the good news on Vanguard's addition for Admiral shares: Vanguard FTSE Social Index Fund Vanguard FTSE All-World ex-US Small-Cap Index Fund Vanguard High Dividend Yield Index Fund Vanguard Long-Term Bond Index F...
by youngpleb
Sat Feb 02, 2019 3:33 pm
Forum: Personal Investments
Topic: Mega Back Door Roth - what 401k rules are necessary?
Replies: 12
Views: 930

Re: Mega Back Door Roth - what 401k rules are necessary?

1) After-tax (non-Roth) contributions 2) In-service distributions (on after-tax contributions) OR in-plan conversion of after-tax to Roth (this is a newer, fairly rare option) Also one thing you will want to watch out for is any type of penalty for doing the in-service distribution. For instance, my...
by youngpleb
Tue Jan 29, 2019 7:25 pm
Forum: Investing - Theory, News & General
Topic: Opportunity Cost of [Holding] an Emergency Fund [in Cash/Bonds]
Replies: 60
Views: 3888

Re: Opportunity Cost of an Emergency Fund

"There's no dollar sign on a peace of mind"

:sharebeer
by youngpleb
Sat Jan 26, 2019 9:14 pm
Forum: Investing - Theory, News & General
Topic: For young investors not yet seen a bear market or recession. How do you truly know your risk tolerance and plan for it?
Replies: 103
Views: 6434

Re: For young investors not yet seen a bear market or recession. How do you truly know your risk tolerance and plan for

I’m still in my twenties and have my stocks allocated at 100% US with no bonds. I have never actually been through a recession or bear market (2008 was when I was in the last year of high school). Having browsed multiple threads about risk tolerance...it seems, the thing about risk tolerance that m...
by youngpleb
Mon Jan 21, 2019 9:31 pm
Forum: Personal Investments
Topic: Saving for 1-2 years rather than for a lifetime
Replies: 75
Views: 6524

Re: Saving for 1-2 years rather than for a lifetime

If you are under 50 why at all bother with lifetime saving? Why not save for 1-2 years of expense and live a less saving-driven life? Yes, things might go south but you CAN and you WILL handle it. Thoughts? I mean, I could probably handle working until I die, but why would I do such a thing when I ...
by youngpleb
Mon Jan 21, 2019 9:26 pm
Forum: Investing - Theory, News & General
Topic: Why brokers don’t support auto invest ETF, but can do it with dividends.
Replies: 16
Views: 1465

Re: Why brokers don’t support auto invest ETF, but can do it with dividends.

The lack of an ETF auto-buy feature is literally the only reason I stick with Vanguard's SCV mutual fund over the VIOV ETF which is so popular. :mrgreen: They say the best investors are lazy...
by youngpleb
Sat Jan 19, 2019 2:31 pm
Forum: Personal Investments
Topic: 401k + aftertax 401k -> roth methodology
Replies: 20
Views: 1567

Re: 401k + aftertax 401k -> roth methodology

Another thing to watch out for is any type of penalty for doing the rollover from your 401k. I contributed a bit in after-tax this year after I maxed my 401k and planned on doing a rollover into my Roth IRA, but at the last second I found out that taking an in-service distribution locks me out of co...
by youngpleb
Sat Jan 19, 2019 2:27 pm
Forum: Personal Investments
Topic: Where Do HSAs Fit in Asset Location?
Replies: 48
Views: 2962

Re: Where Do HSAs Fit in Asset Location?

I'm in the minority for how I treat my HSA I think, but I keep it to the side as its own little entity and don't think of it as some portion of my overall portfolio. My reasoning is that I will not be accessing it for anything until I am 65 or older. I plan to retire around 50, so I keep my HSA's as...
by youngpleb
Sat Jan 19, 2019 2:19 pm
Forum: Personal Investments
Topic: When to use Roth 401k
Replies: 22
Views: 1737

Re: When to use Roth 401k

I like to keep it simple and switch over from pre-tax to Roth contributions at the point where my AGI drops into the 12% bracket. With such a high combined salary, it doesn't look like that would be possible for the OP. Since you both have a 401k, maybe look into whether you are capable of doing a m...
by youngpleb
Tue Jan 15, 2019 8:02 pm
Forum: Investing - Theory, News & General
Topic: IOTA the new crypto?
Replies: 9
Views: 683

Re: IOTA the new crypto?

IOTA's "Tangle" solution for data integrity is pretty interesting, but other than that it's just another crypto. It's at least a year and a half old, so not exactly new like you said. Unless you mean it's the next one that's going to take off, in which case your guess is as good as mine lol.
by youngpleb
Tue Jan 08, 2019 9:53 pm
Forum: Investing - Theory, News & General
Topic: Larry's new book The Complete Guide to a Successful & Secure Retirement
Replies: 22
Views: 6203

Re: Larry's new book THE COMPLETE GUIDE TO A SUCCESSFUL & SECURE RETIREMENT

Preordered the Kindle edition a few weeks back and saw where it arrived the other day, but haven’t started it yet! I’ve never read any of his books, just his articles online, so I’m looking forward to it.
by youngpleb
Fri Jan 04, 2019 5:59 pm
Forum: Investing - Theory, News & General
Topic: Mega Backdoor Roth IRA
Replies: 6
Views: 504

Re: Mega Backdoor Roth IRA

Yeah, it really just depends on your particular plan. My company's plan kind of sucks because it technically allows the mega backdoor Roth, but the rollover counts as a withdrawal in the eyes of the company so it locks me out of 401k contributions for 6 months (and hence the company match as well). ...
by youngpleb
Wed Dec 26, 2018 1:57 pm
Forum: Investing - Theory, News & General
Topic: Now is the time to REJOICE!
Replies: 102
Views: 11802

Re: Now is the time to REJOICE!

May those who rejoice in situations which bring suffering and anxiety to countless others also live to see the day when they are on the other side of the situation and know that others rejoice while they suffer deep financial wounds. :sharebeer
by youngpleb
Wed Dec 26, 2018 1:49 pm
Forum: Investing - Theory, News & General
Topic: Preparing for the bounce
Replies: 60
Views: 9125

Re: Preparing for the bounce

Very interesting how so many threads like this appear on this site (especially as a result of the latest downturn), when the spirit of the thread is so entirely anti-Bogle in principle. It makes me think a lot of people have never even read any of the works associated with Bogleheads.
by youngpleb
Sat Dec 22, 2018 8:09 am
Forum: Investing - Theory, News & General
Topic: Risk differential between VMSXX (Muni MMF) vs. VMMXX (Prime MMF)?
Replies: 3
Views: 618

Re: Risk differential between VMSXX (Muni MMF) vs. VMMXX (Prime MMF)?

You can go to Morningstar and compare the alpha and beta of both of these funds as well as the Sharpe Ratio and Sortino Ratio. The top holdings of the Prime MMF are treasury bills. If I were worried about the safety of the two I would pick Prime MMF. Personally given my tax situation I prefer muni ...
by youngpleb
Tue Dec 11, 2018 8:23 pm
Forum: Personal Investments
Topic: Vague Deposit Transactions from Funds
Replies: 3
Views: 358

Vague Deposit Transactions from Funds

In my 401k plan, I hold total international, extended market, and S&P 500 index funds through Vanguard, all of which are the institutional versions. I only have about $28K total, and the holdings are about 50% S&P 500, 25% Extended Market, and 25% Total International. Every quarter, I get a few myst...
by youngpleb
Mon Dec 10, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Spotify or Amazon Music?
Replies: 44
Views: 3294

Re: Spotify or Amazon Music?

I used Spotify Premium for about 2 years in grad school, and I used Amazon Music for the past 6 months. I believe I was able to find a lot more interesting music through Spotify and their recommendations, which was really cool. I found dozens of new bands that I had no idea existed. Amazon Music tri...
by youngpleb
Mon Dec 10, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 114
Views: 9011

Re: Electric bill with LED

Lighting comprises a pretty small portion of most residential energy consumption. I learned that from a consumer class put on by the local electric utility. So if that's true in your case, changing to LEDs (or candles or trained fireflies or simply living in the dark) wouldn't make a huge differenc...
by youngpleb
Mon Dec 10, 2018 9:58 am
Forum: Investing - Theory, News & General
Topic: Who is buying SCV, EM, Intl SC
Replies: 41
Views: 2863

Re: Who is buying SCV, EM, Intl SC

My 401k only has total US and total international options, so I can't target specific caps or regions, but still buying away. I also maxed my Roth IRA (something something...time in the market...something something?) by April this year so I haven't been able to buy anymore Int SC or SCV, which are t...
by youngpleb
Mon Dec 10, 2018 9:43 am
Forum: Personal Investments
Topic: Mega Backdoor Roth Priority
Replies: 12
Views: 1066

Re: Mega Backdoor Roth Priority

I generally follow advice from https://www.bogleheads.org/wiki/Prioritizing_investments in choosing where to invest my money. However, my company just announced some changes to our 401k plan. Among them is the ability make after-tax contributions with a possibility of doing a mega backdoor Roth con...
by youngpleb
Wed Dec 05, 2018 7:52 pm
Forum: Personal Investments
Topic: Which REIT for Portfolio, should I even get one?
Replies: 25
Views: 2050

Re: Which REIT for Portfolio, should I even get one?

leo28 wrote:
Tue Dec 04, 2018 3:19 pm
Im not exactly sure what part of VTSAX they really make up and if its enough to be diversified in them.
Here's a nice list of a whole lot of Vanguard index funds and what percentage they are made up of REITs.

https://www.bogleheads.org/wiki/Percent ... ndex_funds
by youngpleb
Sun Nov 25, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: Good Windows PC for programming / development
Replies: 23
Views: 1428

Re: Good Windows PC for programming / development

It also depends on what kind of programming you will be doing. If it will be heavy machine learning for example, you’ll want a good graphics card to handle the heavy data crunching and lots of RAM. Just “normal” kind of stuff like .NET and the like, then you just want a good CPU, a healthy dose of R...
by youngpleb
Tue Nov 20, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 227
Views: 19937

Re: Vanguard lowering Admiral level to $3,000?

Well, I'm pretty hyped up now. This was great news! :sharebeer
by youngpleb
Tue Nov 20, 2018 8:55 am
Forum: Personal Investments
Topic: Market Timing? - Transferring funds to 3 fund portfolio and rebalancing to lower asset allocation at same time
Replies: 11
Views: 1048

Re: Market Timing? - Transferring funds to 3 fund portfolio and rebalancing to lower asset allocation at same time

Technically it would only be locking in a loss if your account hasn’t made any investment returns, ever. Otherwise you are just locking in sub-optimal gains :mrgreen:
by youngpleb
Fri Nov 16, 2018 8:13 pm
Forum: Personal Investments
Topic: Fresh graduate seeking guidance
Replies: 8
Views: 770

Re: Fresh graduate seeking guidance

I also began my career at 26 (all of one year ago :mrgreen: ) I guess it really depends on your salary, but I would suggest maxing out tax-advantages accounts—your 401k, an IRA, and HSA if possible— while saving for that down payment. You’ve got possibly the best selection funds I’ve ever seen for y...
by youngpleb
Sat Nov 10, 2018 8:42 am
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 301
Views: 46779

Re: Whats your number to walk away?

I think the number for me scales down as I get older. Right now at 27, I’d want to have 10 mil. Is that what I need to be FI? Haha no, I think that would be more like 2 mil. But if I hit 10 million I’d definitely slap the eject button right now. :mrgreen:
by youngpleb
Sat Nov 10, 2018 8:33 am
Forum: Investing - Theory, News & General
Topic: Roth Investment Theory
Replies: 45
Views: 3831

Re: Roth Investment Theory

It really just comes down to how you feel about past statistical data, like the market often going up more than it goes down and therefore money that is in the market longer has a better chance of increasing. For instance, I deposited a few big lumps this year and was done by April, but with the rec...
by youngpleb
Sun Nov 04, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching kids there is an ample amount of money
Replies: 108
Views: 8201

Re: Teaching kids there is an ample amount of money

I plan on teaching my future kids that daddy was thrifty and worked his butt off in school and at his job so he and mommy don’t have to worry about money anymore. I do plan on emphasizing that it is mom and dad’s money, and not theirs though. And that I hope they will follow the same principles I did.
by youngpleb
Sat Nov 03, 2018 1:57 pm
Forum: Investing - Theory, News & General
Topic: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]
Replies: 74
Views: 8834

Re: WSJ FIRE

Haha I like that the article phrases things in such a way that it makes FIRE not seem realistic for the average person. All the ones who shake their heads at this article and the concept of FIRE can keep working to help keep the economy strong while I retire early :mrgreen:
by youngpleb
Tue Oct 30, 2018 8:02 pm
Forum: Personal Investments
Topic: Target Funds & Dividends/Interest
Replies: 6
Views: 857

Re: Target Funds & Dividends/Interest

Mutual funds hold on to any dividends and interest they receive from their holdings, reinvesting the money until it is paid out. I would expect the target-date funds to reinvest the dividends they receive from the underlying funds back into those funds. Similarly, if you, as a target-date fundholde...
by youngpleb
Mon Oct 29, 2018 8:25 pm
Forum: Personal Investments
Topic: Target Funds & Dividends/Interest
Replies: 6
Views: 857

Target Funds & Dividends/Interest

Hi everyone, So this might be an easy question, but I've struggled when googling for the answer. How exactly do target funds handle dividends and bond interest that their holdings generate? I have access to some nice Vanguard target funds at .08% ER in my 401k, but I hesitate to use one because I do...
by youngpleb
Mon Oct 15, 2018 9:03 pm
Forum: Investing - Theory, News & General
Topic: Huge drops in VTXVX and VTHRX [Vanguard Target Date Funds]
Replies: 54
Views: 5250

Re: Huge drops in VTXVX and VTHRX [Vanguard Target Date Funds]

This is why it’s good to only check in on your portfolio occasionally. You miss stuff like this :sharebeer
by youngpleb
Sun Oct 14, 2018 7:18 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2338
Views: 415308

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

All my gains have been obliterated and I’m officially in the negative about 2%, which is mainly due to my 1/3 international AA I’d reckon. I just started investing 13 months ago though, and my next paycheck contribution wil be for more money than what I am in the hole for right now anyways! :mrgreen:
by youngpleb
Wed Oct 10, 2018 8:56 pm
Forum: Investing - Theory, News & General
Topic: Millennials & Money Data
Replies: 25
Views: 3305

Re: Millennials & Money Data

Speaking as a millennial, very few of my fellow millennial friends contribute to their retirement accounts. And of the ones who do, i think the majority has indicated they contribute enough to get the company match.
by youngpleb
Sat Oct 06, 2018 3:43 pm
Forum: Investing - Theory, News & General
Topic: “It’s probably wise to sell to the sleeping point.” - Jack Bogle
Replies: 83
Views: 11992

Re: “It’s probably wise to sell to the sleeping point.”

Interesting. The 5-10% reduction in stocks would have many here wagging their fingers and chanting “market timing” if someone mentioned doing that in a post.