Search found 277 matches

by youngpleb
Tue Oct 29, 2019 8:01 pm
Forum: Investing - Theory, News & General
Topic: Funds Missing from Vanguard Funds List
Replies: 16
Views: 1981

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: 432

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: 3822

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: 675

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: 675

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: 607

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: 17018

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: 1262

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: 2352

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: 2352

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: 2352

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: 15102

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 ...
by youngpleb
Sun Jun 23, 2019 1:58 pm
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 278
Views: 25015

Re: Crypto bulls are back. Are you getting in?

I jumped in during the bubble madness, and rode that slide all the way down and back up to the current spot. I'm still down 75% but I enjoy the little bit I have invested and it keeps me distracted from stuff like the stock market. Unfortunately I never actually bought Bitcoin lol. In hindsight, I w...
by youngpleb
Wed Jun 12, 2019 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: How much is your guys’ fees for your 401k?
Replies: 96
Views: 5850

Re: How much is your guys’ fees for your 401k?

I have 3 funds that I am invested in in my 401k, and I pay $60/year split up quarterly.

Not sure if it's $20 per fund or just $60 no matter what.
by youngpleb
Sat Jun 08, 2019 11:29 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 294492

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

I've been following this thread for a couple months and it looks like fun. I've enjoyed tracking the results so far! Currently considering doing this with 1 year's worth of Roth IRA contributions and just letting it ride for 30 years (I'm 28). So in terms of easy implementation, I guess a M1Finance ...
by youngpleb
Wed Jun 05, 2019 7:20 pm
Forum: Personal Investments
Topic: Roth or regular 401k for new grad?
Replies: 6
Views: 431

Re: Roth or regular 401k for new grad?

I go 100% Roth in the 12% bracket. It's just too good a deal to pass up in my opinion. Tax brackets are nice and low right now, and since she will be in one of the lowest brackets--go Roth. Go look at some historical data in past years on the lowest tax brackets and you'll see what I mean! As for th...
by youngpleb
Mon May 20, 2019 7:18 pm
Forum: Personal Investments
Topic: VASIX or VWINX for emergency savings: crazy?
Replies: 26
Views: 2874

Re: VASIX or VWINX for emergency savings: crazy?

It's certainly an interesting idea to put your emergency fund in something like VASIX. I was thinking of something similar the other day...often people will say E-funds need to be able to be quickly accessed and very liquid, but I think something like VASIX would work although it would be slower. I ...
by youngpleb
Sat May 18, 2019 8:28 pm
Forum: Personal Investments
Topic: Young Investor Strategy Help
Replies: 12
Views: 1249

Re: Young Investor Strategy Help

During this process you will also be adding to the $3000 money market account as your bond portion of the portfolio. So basically any money leftover from maxing out a Roth would be added to the money market account. What are your thoughts on this strategy for a young investor? Also I've noticed thi...
by youngpleb
Mon May 13, 2019 7:31 pm
Forum: Investing - Theory, News & General
Topic: Financial podcasts
Replies: 32
Views: 3961

Re: Financial podcasts

I'm somewhat picky because I cannot stand podcasts that interview a person over the phone (phone quality + compressed podcast quality = gross), but I really enjoy:

the Paul Merriman podcast
Sound Retirement Radio
The Dough Roller Money Podcast
Money For the Rest of Us podcast
by youngpleb
Sun Apr 07, 2019 8:08 pm
Forum: Personal Investments
Topic: DFE etf yield (WisdomTree Europe SmallCap Dividend Fund)
Replies: 6
Views: 423

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: 1733

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: 1013

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: 5953

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: 4557

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: 4787
Views: 1243796

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: 3780

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: 4787
Views: 1243796

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: 13276

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: 5539

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: 2530

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: 2973

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: 7211

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: 3931

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: 1096

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: 865

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: 988

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: 4300

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: 6983

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: 6715

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: 1597

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: 1648

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: 3191

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: 1817

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: 750

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: 11347

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: 550

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: 12238

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: 9491

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: 795

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: 402

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...