Search found 788 matches

by TheDDC
Mon May 25, 2020 11:11 pm
Forum: Personal Investments
Topic: Vanguard Balanced Index Fund Admiral Shares; Only Fund to invest
Replies: 9
Views: 1238

Re: Vanguard Balanced Index Fund Admiral Shares; Only Fund to invest

Interesting Good to know. Will check it out What exactly makes it tax managed. Pardon my financial ignorance. Working on it. Thanks I believe most of its fixed holdings are US Govt debt and municipal bonds which helps keep the tax bill low. Corporate bonds are not part of this fund I believe. -TheDDC
by TheDDC
Mon May 25, 2020 2:31 pm
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 41
Views: 2808

Re: Anyone screwed up timing the market?

Two years ago around October 2018 there was a flash crash. Sold out of VTSAX/VTIAX at a $2,000 loss (though TLH'd). Markets were up and soaring past 52 week high by February or so. I HUSTLED IT all back via credit card bonuses (not at the pool hall), so no net loss in the end (and a slight tax gain)...
by TheDDC
Sun May 24, 2020 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: New Tires or New Car?
Replies: 54
Views: 2877

Re: New Tires or New Car?

Does the car have a full size spare? If so leave the spare on the car and purchase a cheaper new spare, or get one used for the spare. Then get rid of the vehicle. If it doesn't have a full size spare replace it with a cheap new or used tire and trade the car in. Perhaps try to trade it in as is wi...
by TheDDC
Sun May 24, 2020 8:07 pm
Forum: Personal Investments
Topic: Thinking of selling some SP 500 to buy more Wells Fargo
Replies: 73
Views: 4725

Re: Thinking of selling some SP 500 to buy more Wells Fargo

I am preparing to sell one of my investments Propety, so Wells Fargo is kind of play money for now. By taking the advice, mostly I will not increase the position. But after the sale of the property, it will be a difficult choice again for the courage to put all the money to the market Also my plan ...
by TheDDC
Sun May 24, 2020 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pull a trigger on a home purchase or continue renting?
Replies: 45
Views: 2914

Re: Would you pull a trigger on a home purchase or continue renting?

I'm sure homes are not "700-800k" in your area. Real estate is way overpriced if that is truly the case. Consider moving to a lower COL area.

-TheDDC
by TheDDC
Sun May 24, 2020 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Approaching 40, worried about financial future
Replies: 109
Views: 10522

Re: Approaching 40, worried about financial future

You have a better life than most. Your kids had a stay at home mom in their formative years which is better than most have who have chosen to outsource parenting in the name of sacrifice upon the altar of the two income 'MURICA. You should not feel sorry about ANYTHING you have shared with us. The h...
by TheDDC
Tue May 19, 2020 7:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5636
Views: 482497

Re: U.S. stocks continue to soar!

bog007 wrote:
Tue May 19, 2020 7:03 pm
200 day moving average

http://schrts.co/RSpnkXDs
So what?

-TheDDC
by TheDDC
Tue May 19, 2020 7:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5636
Views: 482497

Re: U.S. stocks continue to soar!

This market feels very irrational right now. What I'm trying to wrap my head around is where to deploy new capital. Bonds look expensive with yields so low. Stock valuations are reaching for their highs before the March crash. I'm thinking about deploying new cash to pay my mortgage down faster. An...
by TheDDC
Sat May 16, 2020 10:13 pm
Forum: Personal Investments
Topic: Is QQQ (Nasdaq100) better reflective of new economy
Replies: 60
Views: 3825

Re: Is QQQ (Nasdaq100) better reflective of new economy

You will get all sorts of heated arguments for and against “the cubes”. QQQ is VERY tech heavy above all which makes it incredibly volatile when compared to the S&P. If you look at fund performance dating back around 20 years, QQQ hit an all time high during the tech bubble in March 2000, plunged, a...
by TheDDC
Fri May 15, 2020 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: 529: Your favorite low cost one?
Replies: 77
Views: 4580

Re: 529: Your favorite low cost one?

Thanks for the comments and perspective. So far I believe, for me, the closest option that I can see as fitting all my criteria (except for the admin plan fee, but that's only off by 4 bp) is the Nevada 529 w/Vanguard. It appears I can achieve my preferred AA in my 529 accounts by building my own c...
by TheDDC
Thu May 14, 2020 11:50 pm
Forum: Investing - Theory, News & General
Topic: If “cost” is the #1 reason Active managers lose, why not use Vanguard’s low-cost active funds?
Replies: 61
Views: 3705

Re: If “cost” is the #1 reason Active managers lose, why not use Vanguard’s low-cost active funds?

My goal is to beat the S&P with funds that have a proven track record because I am investing for 40+ years. VTSAX + VIGAX is a good start. When I helped manage mom's portfolio, based on her age, I put her in Wellesley. After I inherited her portfolio I moved it to Wellington as I plan to move to my...
by TheDDC
Thu May 14, 2020 10:33 pm
Forum: Personal Consumer Issues
Topic: New convertible under 50k?
Replies: 39
Views: 2425

Re: New convertible under 50k?

Convertibles as in financial instruments, right?

I’d say away from them.

-TheDDC
by TheDDC
Thu May 14, 2020 8:20 pm
Forum: Investing - Theory, News & General
Topic: If “cost” is the #1 reason Active managers lose, why not use Vanguard’s low-cost active funds?
Replies: 61
Views: 3705

Re: If “cost” is the #1 reason Active managers lose, why not use Vanguard’s low-cost active funds?

My goal is to beat the S&P with funds that have a proven track record because I am investing for 40+ years. VTSAX + VIGAX is a good start. When I helped manage mom's portfolio, based on her age, I put her in Wellesley. After I inherited her portfolio I moved it to Wellington as I plan to move to my ...
by TheDDC
Thu May 14, 2020 7:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628656

Re: U.S. stocks in free fall

Looking forward to the decline in equities. SPX 1800 is when I jump back in. No charting magic here -- just have an ability to realise that [MACRO, non-noise] bad = down and good = up Sorry, but the data tells a different story than the narrative, and for all the aphorisms and boomer-isms thrown ab...
by TheDDC
Wed May 13, 2020 11:47 pm
Forum: Personal Investments
Topic: Low risk vanguard fund for short term?
Replies: 18
Views: 1362

Re: Low risk vanguard fund for short term?

What tax purposes? You won't get the same rates as direct CDs, but brokered CDs may be an option. How important is it that you have no fewer dollars than invested? I prefer taking a little risk in these situations as the expected return is higher and there are plenty of ways I could make up a short...
by TheDDC
Wed May 13, 2020 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 280
Views: 28119

Re: College in fall

I'm glad all this will be sorted out before I make my first 529 contribution next year (or later, if this keeps up). The bubble bursting is a huge part of why I was never interested in feeding the higher ed beast earlier than needed. If I were in the position of subsidizing any kind of college next ...
by TheDDC
Wed May 13, 2020 1:08 am
Forum: Personal Finance (Not Investing)
Topic: Turning 30. Living 30s without regrets
Replies: 87
Views: 9420

Re: Turning 30. Living 30s without regrets

Pay less attention to chasing the bucks and pay more attention to the family. I get the distinct impression that income concerns are on the tip of your tongue at the end of each of these sentences. I don’t believe income is a problem for you.

-TheDDC
by TheDDC
Wed May 13, 2020 1:01 am
Forum: Investing - Theory, News & General
Topic: Why is total market weighted index best?
Replies: 61
Views: 4276

Re: Why is total market weighted index best?

While I totally buy into indexing, and generally buy into market weighting, what is the positive / theoretical reason why market weighting is the best choice, in terms of risk adjusted equity returns (let's stick with domestic for this argument) I understand the counter positive arguments - why not...
by TheDDC
Wed May 13, 2020 12:40 am
Forum: Personal Finance (Not Investing)
Topic: Will Banks Consider Discount for Mortgage Payoff?
Replies: 14
Views: 1217

Will Banks Consider Discount for Mortgage Payoff?

As we get closer to paying off the remainder of our 3.5% mortgage in a lump sum in mere days due to an unexpected windfall, I think about banks and the ability of fewer folks to send in regular payments these days. Is a bank/credit union any more willing to make a discount deal on a lump sum payoff ...
by TheDDC
Wed May 13, 2020 12:33 am
Forum: Personal Finance (Not Investing)
Topic: Broke mother-in-law retiring due to COVID-19
Replies: 54
Views: 6488

Re: Broke mother-in-law retiring due to COVID-19

One thing I noticed is that you are all too quick to want to pay for her mistakes. Don’t. That is dangerous behavior and it is “giving a drunk a drink” with your money. Don’t pay for someone else’s mistakes with your money just because “you can”. She needs to keep the income flowing. She can do tuto...
by TheDDC
Mon May 11, 2020 10:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5636
Views: 482497

Re: U.S. stocks continue to soar!

willthrill81 wrote:
Mon May 11, 2020 7:46 pm
oldzey wrote:
Mon May 11, 2020 6:48 pm
Growth keeps on growing! :beer
My stake in VUG is doing quite nicely.
That’s the spirit! Mine, too.

-TheDDC
by TheDDC
Sun May 10, 2020 10:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Technology Fund
Replies: 82
Views: 3404

Re: Vanguard Technology Fund

Per tech, XLK is doin just smidge over VGT, both > VUG (which is better VOO) of late… Yea, am tech heavy, there are rewards… Right. Which is one of the reasons I consider VUG in a different class than VGT, also not for “funny money”. Funny money isn’t funds, it’s individual stock speculation. I sup...
by TheDDC
Sun May 10, 2020 1:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Technology Fund
Replies: 82
Views: 3404

Re: Vanguard Technology Fund

All of us use the very products that these companies create but many will not invest in to a greater degee because we do not believe that it will continue. Funny. This is a deeply flawed statement IMHO. I don't think anyone would disagree with a statement that technology companies (not their stocks...
by TheDDC
Sun May 10, 2020 1:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Technology Fund
Replies: 82
Views: 3404

Re: Vanguard Technology Fund

Feels like performance chasing. +1. And the stock market is already pretty heavy on tech stocks - it's VTSAX's largest sector by far (24.4%, second largest is financials at 17.4%). All of the 5 largest companies by market cap are tech companies. While there's obviously not a set of rules or princip...
by TheDDC
Sun May 10, 2020 11:06 am
Forum: Investing - Theory, News & General
Topic: Vanguard Technology Fund
Replies: 82
Views: 3404

Re: Vanguard Technology Fund

The rest of my equities are for the most part VTSAX (or a TLH partner or an approximation in my 401k), with a little VDADX (Vanguard Dividend Appreciation). Personally I think tech will once again out perform this decade, but I only take this bet with my funny money portfolio, where I hold VGT (Van...
by TheDDC
Sun May 10, 2020 10:35 am
Forum: Investing - Theory, News & General
Topic: Vanguard Technology Fund
Replies: 82
Views: 3404

Re: Vanguard Technology Fund

It has recently, but there are 10+ year periods where it has not. I would never use a sector or style fund as a core holding. Your signature does not match what you're saying in this thread. Growth companies are more of an anchor for the market in rough seas. I wouldn't count on that. In the 2000-2...
by TheDDC
Sun May 10, 2020 10:09 am
Forum: Investing - Theory, News & General
Topic: Vanguard Technology Fund
Replies: 82
Views: 3404

Re: Vanguard Technology Fund

It has recently, but there are 10+ year periods where it has not. I would never use a sector or style fund as a core holding. Your signature does not match what you're saying in this thread. Growth companies are more of an anchor for the market in rough seas. I wouldn't count on that. In the 2000-2...
by TheDDC
Sun May 10, 2020 9:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard Technology Fund
Replies: 82
Views: 3404

Re: Vanguard Technology Fund

It has recently, but there are 10+ year periods where it has not. I would never use a sector or style fund as a core holding. Your signature does not match what you're saying in this thread. Growth companies are more of an anchor for the market in rough seas. I would not consider them a “sector fun...
by TheDDC
Sun May 10, 2020 9:25 am
Forum: Investing - Theory, News & General
Topic: Vanguard Technology Fund
Replies: 82
Views: 3404

Re: Vanguard Technology Fund

The rest of my equities are for the most part VTSAX (or a TLH partner or an approximation in my 401k), with a little VDADX (Vanguard Dividend Appreciation). Personally I think tech will once again out perform this decade, but I only take this bet with my funny money portfolio, where I hold VGT (Van...
by TheDDC
Sun May 10, 2020 9:24 am
Forum: Investing - Theory, News & General
Topic: Vanguard Technology Fund
Replies: 82
Views: 3404

Re: Vanguard Technology Fund

Vanguard Information Technology ETF (VGT) doesn't have Amazon, Google, or Facebook (which are in Consumer Discretionary and Communication Services) but QQQ does. I put some money into big tech names (individual stocks) that have juicy balance sheets, for fear that if we tumbled into some kind of de...
by TheDDC
Sun May 10, 2020 8:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard May 7 Webcast
Replies: 19
Views: 1823

Re: Vanguard May 7 Webcast

:sharebeer I was able to watch the webcast. It was fairly “beginner” in nature, but I very much appreciated hearing from the Maria Bruno (referenced on this site many times) and the chief investment officer. Also never heard from CEO Tim Buckley before. Overall it was informative. My wife (who is no...
by TheDDC
Sun May 10, 2020 8:33 am
Forum: Investing - Theory, News & General
Topic: Vanguard Technology Fund
Replies: 82
Views: 3404

Re: Vanguard Technology Fund

I do a heavy tilt toward U.S. growth (40%) - VIGAX. That’s all the tech exposure I require. I remember my Ameriprise guy put me in sector funds since he was interested in picking winners. In hindsight I always would have 1-2 “winners” but a pretty deep loser in the mix.

-TheDDC
by TheDDC
Sat May 09, 2020 3:13 pm
Forum: Investing - Theory, News & General
Topic: Long-term planning gone awry
Replies: 34
Views: 2944

Re: Long-term planning gone awry

Save for all days, rainy and otherwise. Keep a 3-6 month emergency fund in cash. I would not "invest conservatively" since that may mean losing to inflation to some here. Most "emergencies" are not really true emergencies. People/things that are usually presented as "emergencies" can be mitigated by...
by TheDDC
Sat May 09, 2020 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: 529: Your favorite low cost one?
Replies: 77
Views: 4580

Re: 529: Your favorite low cost one?

Thanks for the comments and perspective. So far I believe, for me, the closest option that I can see as fitting all my criteria (except for the admin plan fee, but that's only off by 4 bp) is the Nevada 529 w/Vanguard. It appears I can achieve my preferred AA in my 529 accounts by building my own cu...
by TheDDC
Sat May 09, 2020 2:23 pm
Forum: Personal Investments
Topic: Recession coming (?) any change in investments?
Replies: 82
Views: 7151

Re: Recession coming (?) any change in investments?

Rolling out vaccines without the usual long-term trials could mean trouble down the road. Proper vetting of any potential vaccine is vital. Note Remdesivir push. A medication that must be carefully subscribed and monitored given its sometimes serious side effects. The benefit with that risk is, for...
by TheDDC
Sat May 09, 2020 12:09 pm
Forum: Personal Consumer Issues
Topic: Will a vpn complicate or improve my internet experience?
Replies: 54
Views: 3641

Re: Will a vpn complicate or improve my internet experience?

I VPN into my own home router. Problem solved. What are you protecting against by doing this? Encryption for all my data packets, not just http Two points: 1) That doesn't answer my question unfortunately. Let me phrase this differently. What are you gaining by encryption for all your data packets,...
by TheDDC
Sat May 09, 2020 10:32 am
Forum: Investing - Theory, News & General
Topic: Why doesn't everybody replace SP500 with NTSX?
Replies: 70
Views: 6871

Re: Why doesn't everybody replace SP500 with NTSX?

Long thread I tried to follow https://bogleheads.org/forum/viewtopic.php?f=10&t=301933 . NTSX seems to give returns close to SP500 but provides exposure to 40% treasuries. So if this fund is so good. Why isn't everybody doing it? What am I missing here? I am not interested in “returns close to the ...
by TheDDC
Sat May 09, 2020 10:28 am
Forum: Personal Investments
Topic: Recession coming (?) any change in investments?
Replies: 82
Views: 7151

Re: Recession coming (?) any change in investments?

Hi all, So based on many indicators (e.g. unemployment rate), a recession is coming. If they announce a cure for the virus today or next week, will that change anything? It's difficult, but best to ignore these indicators and keep investing for future generations to come. :moneybag Cure will not be...
by TheDDC
Fri May 08, 2020 11:09 pm
Forum: Personal Consumer Issues
Topic: Will a vpn complicate or improve my internet experience?
Replies: 54
Views: 3641

Re: Will a vpn complicate or improve my internet experience?

TheDDC's point is that a VPN gives users a false sense of security and doesn't address real threats. It’s a real threat if you are on a public WiFi network. The “false sense of security” is such a boogeyman. Do you wear a seatbelt in a car? Doesn’t that give you a “false sense of security”? Except ...
by TheDDC
Fri May 08, 2020 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: 529: Your favorite low cost one?
Replies: 77
Views: 4580

Re: 529: Your favorite low cost one?

Is there any reason why we just accept that 529s have to suck in terms of limitations and fees that we would not normally accept for other *heavily regulated* investment vehicles like IRAs and 40X? I recognize the state-specific tax benefits of a 529. I realize that the "administrative fees" are le...
by TheDDC
Fri May 08, 2020 6:22 pm
Forum: Personal Consumer Issues
Topic: Will a vpn complicate or improve my internet experience?
Replies: 54
Views: 3641

Re: Will a vpn complicate or improve my internet experience?

TheDDC's point is that a VPN gives users a false sense of security and doesn't address real threats. Yes. Well that’s one point. The second point is that a commercial VPN sold to the masses is mostly all hype and offers no real additional security to 95% of the worlds population as in nearly all of...
by TheDDC
Fri May 08, 2020 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: 529: Your favorite low cost one?
Replies: 77
Views: 4580

Re: 529: Your favorite low cost one?

Is there any reason why we just accept that 529s have to suck in terms of limitations and fees that we would not normally accept for other *heavily regulated* investment vehicles like IRAs and 40X? I recognize the state-specific tax benefits of a 529. I realize that the "administrative fees" are lev...
by TheDDC
Fri May 08, 2020 5:21 pm
Forum: Personal Consumer Issues
Topic: Will a vpn complicate or improve my internet experience?
Replies: 54
Views: 3641

Re: Will a vpn complicate or improve my internet experience?

Are VPN's also pointless when connecting to public WiFi hotspots? I thought they had some benefit there? I mainly use a VPN set up on my pfSense server to connect to my home network, but I always connect to it when I'm on a public WiFi network (I use OpenVPN). The network performance definitely tak...
by TheDDC
Fri May 08, 2020 5:11 pm
Forum: Personal Consumer Issues
Topic: Will a vpn complicate or improve my internet experience?
Replies: 54
Views: 3641

Re: Will a vpn complicate or improve my internet experience?

Okay, network engineer here. I will dispel the VPN hype. You really don’t need one. The commercials for VPN are mostly unicorn farts. Here’s why: 1. A VPN does not stop malware and spyware from infecting your machine while connected. This is still the number one attack vector as well as the number ...
by TheDDC
Fri May 08, 2020 4:59 pm
Forum: Personal Investments
Topic: Recession coming (?) any change in investments?
Replies: 82
Views: 7151

Re: Recession coming (?) any change in investments?

Be prepared to deploy the rest of your cash into equities when we hit bottom. Please tell us when that is, though.

-TheDDC
by TheDDC
Fri May 08, 2020 10:29 am
Forum: Personal Finance (Not Investing)
Topic: 529: Your favorite low cost one?
Replies: 77
Views: 4580

Re: 529: Your favorite low cost one?

How would I mimic an 80/20 domestic/international portfolio with one of these “static portfolios” if I can’t choose my own funds? I don’t want to start multiple Portfolios per kid. I also do not want bonds, at least not until closer to age 18. -TheDDC For Utah (My529), it takes about two seconds to...
by TheDDC
Fri May 08, 2020 10:24 am
Forum: Personal Investments
Topic: Vanguard Check policy changing in July
Replies: 22
Views: 1995

Re: Vanguard Check policy changing in July

As a senior citizen I always send a personal check to Vanguard to deposit in my different accounts. They just informed me no longer taking stand-alone checks after July. Want me to link to bank account or get their mobile app (forget the app. I don't understand that stuff). I will do the link to my...
by TheDDC
Thu May 07, 2020 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Easy $200 from Penfed?
Replies: 52
Views: 5399

Re: Easy $200 from Penfed?

So... I've never signed up for chased any bonuses like this before but this one seems obsurdly easy and ties up so little $$$ that I'm tempted. I have three questions. What is the general "strategy"... just withdraw all funds and close the account after the bonus lands in balance? I know some have ...
by TheDDC
Thu May 07, 2020 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: 529: Your favorite low cost one?
Replies: 77
Views: 4580

Re: 529: Your favorite low cost one?

How would I mimic an 80/20 domestic/international portfolio with one of these “static portfolios” if I can’t choose my own funds? I don’t want to start multiple Portfolios per kid. I also do not want bonds, at least not until closer to age 18. -TheDDC For Utah (My529), it takes about two seconds to...
by TheDDC
Thu May 07, 2020 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: 529: Your favorite low cost one?
Replies: 77
Views: 4580

Re: 529: Your favorite low cost one?

How would I mimic an 80/20 domestic/international portfolio with one of these “static portfolios” if I can’t choose my own funds? I don’t want to start multiple Portfolios per kid.

I also do not want bonds, at least not until closer to age 18.

-TheDDC