Search found 61 matches

by CDub
Fri Jan 22, 2021 8:32 pm
Forum: Investing - Theory, News & General
Topic: GameStop GME: anyone joining?
Replies: 404
Views: 22537

Re: GameStop GME: anyone joining?

I am primarily a Indexer, but did a small YOLO and made 10k.. sorry it was too tempting. Can anyone legit confirm if the short squeeze is over, and is there a MOASS or super squeeze like VW still possible? you gotta do this once in a blue moon to feel the thrill My friend had 45k in paper gain lol ...
by CDub
Wed Jul 08, 2020 9:19 pm
Forum: Investing - Theory, News & General
Topic: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?
Replies: 358
Views: 19964

Re: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?

I'd like to point out though that VTIAX hasn't merely "underperformed the US" - it performed poorly, period. In absolute terms, it was just a poorly yielding investment for the past 10 years. Is that normal? By that logic, around 2008-2009 you would've dumped all your U.S. stocks, too, ri...
by CDub
Sun Jul 05, 2020 10:56 am
Forum: Investing - Theory, News & General
Topic: What are your thoughts on the "Golden Butterfly" portfolio?
Replies: 381
Views: 58100

Re: What are your thoughts on the "Golden Butterfly" portfolio?

Any benefit to splitting the STT allocation between STT and TIPS? Results in Portfoliovisualizer seem about the same, but this is only since 2001. I'm assuming results won't change much but just curious. https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=1&timePerio...
by CDub
Mon Jun 29, 2020 12:46 pm
Forum: Investing - Theory, News & General
Topic: Should I invest my emergency fund?
Replies: 157
Views: 32462

Re: Should I invest my emergency fund?

I understand Klangfool's arguments and they are probably helpful to have in a thread related to an emergency fund. Having cash on-hand can really help a lot of people with the 'sleep at night' factor. And yes, as he mentioned, I have not gone through a significant period of unemployment so investing...
by CDub
Sun Jun 28, 2020 8:51 am
Forum: Investing - Theory, News & General
Topic: Should I invest my emergency fund?
Replies: 157
Views: 32462

Re: Should I invest my emergency fund?

CDub, A) Have you ever been unemployed long enough that you are almost running out of the emergency fund? Yes or no? No, I have not. B) If the answer is no, how do you know that you can "Sleep Well At Night" at that point in time? I guess I do not. However, to date I lose a lot more sleep...
by CDub
Sat Jun 27, 2020 7:08 pm
Forum: Investing - Theory, News & General
Topic: Should I invest my emergency fund?
Replies: 157
Views: 32462

Re: Should I invest my emergency fund?

I just don’t see a huge downside in dipping into my taxable after six months, and we can also decrease our expenses and file for unemployment in most cases, so really we could go a year or more maybe without tapping into the taxable. We will make it Lord willing geerhardusvos, What do you do if, af...
by CDub
Wed Jun 24, 2020 10:02 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 7340
Views: 718567

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Anyone know if Hedgefundie updated performance? It is my understanding that due to harassment from certain zealots in another thread that he has left the bogleheads website. Search for the last posts by him if you're interested in seeing how to rid the boards of any interesting, thoughtful and help...
by CDub
Tue Jun 16, 2020 8:24 am
Forum: Investing - Theory, News & General
Topic: What are your thoughts on the "Golden Butterfly" portfolio?
Replies: 381
Views: 58100

Re: What are your thoughts on the "Golden Butterfly" portfolio?

I think the difference is attributable to the fact that Portfolio Charts data starts in 1970, while Portfolio Visualizer data starts in 1978. The entire argument for Gold depends on the high returns for Gold from 1972 - 1976, which is arguably a "one-off" event due to the unpegging of the...
by CDub
Fri Jun 05, 2020 1:48 pm
Forum: Investing - Theory, News & General
Topic: What are your thoughts on the "Golden Butterfly" portfolio?
Replies: 381
Views: 58100

Re: What are your thoughts on the "Golden Butterfly" portfolio?

Yes, you can play around with the exact ratios, but SCV, LTT, and gold have all been sufficiently uncorrelated (or, more importantly, negatively correlated often when it was really needed) without eroding returns to the point that results were astounding. Since 1970, a 60/40 AA returned 6.1% real a...
by CDub
Thu Jun 04, 2020 8:25 pm
Forum: Investing - Theory, News & General
Topic: What are your thoughts on the "Golden Butterfly" portfolio?
Replies: 381
Views: 58100

Re: What are your thoughts on the "Golden Butterfly" portfolio?

I discovered portfoliocharts and the GB a couple months ago. I've read every single post by Tyler in his website and I have to say I'm fascinated by how clearly he transmits. I like his engineer approach. And his EXCEL skills seem to be from another planet. No one can predict the future (who would ...
by CDub
Mon May 04, 2020 7:49 am
Forum: Investing - Theory, News & General
Topic: Golden Dragonfly Portfolio - A Real World Experiment
Replies: 73
Views: 8079

Re: Golden Dragonfly Portfolio - A Real World Experiment

Just realized the Golden dragonfly looks like a more bond-heavy version of the Pinwheel Portfolio https://portfoliocharts.com/portfolio/pinwheel-portfolio/ PP = 10% GOLD;15% REIT GD = 10% GOLD;10% REIT PP = 15% US TSM / 15% INTL STOCKS GD = 10% US TSM / 10% INTL STOCKS PP = 10% US SCV / 10% EM STOCK...
by CDub
Sun May 03, 2020 8:02 pm
Forum: Investing - Theory, News & General
Topic: Golden Dragonfly Portfolio - A Real World Experiment
Replies: 73
Views: 8079

Re: Golden Dragonfly Portfolio - A Real World Experiment

Pu239 wrote: Sun May 03, 2020 12:23 pm OP - How's the experiment going? You promised quarterly results.
Interested to hear an update too!
by CDub
Sun Apr 26, 2020 7:06 pm
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 375
Views: 67978

Re: The One-Fund Portfolio as a default suggestion

Longinvest: Would you consider a roboadvisor such as betterment or vanguard digital advisor with a mirrored allocation of stock and bonds be a better choice than say a life strategy fund in that they are using "more tax aware strategies." M1 will rebalance with new contributions. Vanguard...
by CDub
Sat Apr 25, 2020 7:44 am
Forum: Personal Investments
Topic: High yield savings or equivalent at fidelity?
Replies: 7
Views: 723

Re: High yield savings or equivalent at fidelity?

There’s not, but until recently the core position in brokerage accounts (SPAXX) yielded a similar return as HYSA.
by CDub
Fri Apr 24, 2020 6:40 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1260
Views: 140154

Re: Jack Bogle - Two Fund Portfolio

Move to 100% equities with the Go Curry Cracker twist: 80% VTSAX and 20% international equities. The first two are fairly obvious in their impact. But the third is worth a closer look. It would certainly give all those who’ve questioned my take on international investing a delightfully warm surge. ...
by CDub
Tue Apr 21, 2020 1:28 pm
Forum: Personal Consumer Issues
Topic: Anybody here pay less than $40 a month for home internet and with what company?
Replies: 62
Views: 4554

Re: Anybody here pay less than $40 a month for home internet and with what company?

Atlanta-area here. Charter Spectrum 30 MBPS for 17.99/month. They don't advertise it much but it is available (I just confirmed on their site) and I have used it for the last six months.
by CDub
Thu Apr 09, 2020 8:20 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1260
Views: 140154

Re: Jack Bogle - Two Fund Portfolio

This thread should be called, "Let's internalize and find reasons to talk ourselves into performance chasing". lostdog: I cannot understand your post so I used Google to see what "internalize" means. This is their description: What does it mean to internalize something? If you f...
by CDub
Sat Apr 04, 2020 6:42 pm
Forum: Personal Consumer Issues
Topic: Spectrum - Wanting to buy my own Cable Modem & WiFi Router
Replies: 13
Views: 1806

Re: Spectrum - Wanting to buy my own Cable Modem & WiFi Router

Situations like this I normally just get what the wire cutter recommends. I’ve been buying their recommendations for years and have yet to be disappointed. https://thewirecutter.com/reviews/best-cable-modem/ https://thewirecutter.com/reviews/best-wi-fi-router/ I have their budget pick WiFi router an...
by CDub
Thu Dec 05, 2019 9:50 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1260
Views: 140154

Re: Jack Bogle - Two Fund Portfolio

I also have the 2-fund portfolio - version Warren Buffett. I go a step further to make it even simpler. I do not have an asset allocation so I never need to rebalance or calculate contributions or percents. I simply keep enough t-bills to sleep well (currently 2 years of expenses) and invest cash w...
by CDub
Fri Jan 04, 2019 6:22 pm
Forum: Personal Investments
Topic: Saving for 3-6 months - CD / Money Market / Treas?
Replies: 5
Views: 496

Re: Saving for 3-6 months - CD / Money Market / Treas?

For $500 bi-weekly you could set an auto-investment to buy SPRXX.
by CDub
Mon Dec 17, 2018 8:08 am
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1099
Views: 128424

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

After a lot of clicking around, I found this page on how to mail in indirect rollover checks. See #5. https://www.fidelity.com/cash-management/contribute-hsa I also found this deposit slip pdf and plan to send in with the check. https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/cus...
by CDub
Sun Dec 16, 2018 7:55 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4974
Views: 951662

Re: What's Your Credit Card Rewards Strategy?

I think Chase UR are incredibly overrated I'd like to hear the reasoning on this. I'm frequently making tough calls between charging things to my Chase or AmEx ecosystems so always open to arguments. Depends on your use of course but I tend to agree at least for my purposes UR is less valuable to m...
by CDub
Sun Dec 16, 2018 6:54 am
Forum: Personal Investments
Topic: Fidelity Money Market Funds for everyday expenses
Replies: 101
Views: 22354

Re: Fidelity Money Market Funds for everyday expenses

While it is very convenient to have this automatic overdraft ploy available, don't you worry that it makes it so much easier for someone to drain your account? Or is this a far-fetched scenario? I've been keeping checking at a separate institution (with no overdraft protection) for years and tellin...
by CDub
Thu Dec 13, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: [Robinhood to offer 3% cash management program, not a bank account]
Replies: 153
Views: 12524

Re: Robinhood 3%Checking

It says "Robinhood Checking & Savings is fee-free, commitment-free, surprise-free, and pretty much every other kind of free, too."

Seems almost too good to be true.
by CDub
Mon Oct 08, 2018 6:50 am
Forum: Investing - Theory, News & General
Topic: Fidelity 1.8% money market fund with unlimited checkwriting and free ATMs
Replies: 23
Views: 4610

Re: Fidelity 1.8% money market fund with unlimited checkwriting and free ATMs

If it helps, I posted on this a couple months back and there was a good discussion: viewtopic.php?f=2&t=255718
by CDub
Sat Sep 08, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 86
Views: 14943

Re: Fidelity Rewards Visa Card

How are any of the 2% cards betwee than the c ard I linked which is 3% the first year and 2.5% for each subsequent year, with no foreign fees.... The Alliant card you linked to has an annual fee, and is " Exclusively designed for those spending $50,000+ a year on their card ". That rules ...
by CDub
Fri Sep 07, 2018 6:42 am
Forum: Personal Consumer Issues
Topic: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help
Replies: 87
Views: 14373

Re: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help

I don't see how your credit card would provide any insurance. Every terms & conditions for the credit card's collision damage waiver require you to pay for the entire vehicle rental. That is clearly not the case here. Thank you - that answers my question. The dealer told me that Ford was provid...
by CDub
Thu Sep 06, 2018 6:55 am
Forum: Personal Consumer Issues
Topic: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help
Replies: 87
Views: 14373

Re: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help

Does anyone know whether credit card insurance coverage would kick in on this if I had an accident in the ford-paid rental? I ask because enterprise did ask for my card - and I used the chase sapphire reserve which has primary rental car coverage. I don't carry collision on my fusion under my normal...
by CDub
Thu Sep 06, 2018 6:52 am
Forum: Personal Consumer Issues
Topic: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help
Replies: 87
Views: 14373

Re: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help

I have been driving the enterprise provided rental for about a month now. Has anyone actually had their airbag repaired yet? Wondering how long it is taking on average. I'm assuming the dealers don't have an incentive to reduce their costs for the rentals - otherwise I would try to negotiate just ge...
by CDub
Fri Aug 24, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 72
Views: 16950

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

Schwab also does this - a margin feature that covers checking drafts by adding negative cash balance to your brokerage. The interest rate is 8% or something high, but does not much matter because (1) the amount is always small and (2) the time period of the loan is short, usually whatever it takes ...
by CDub
Thu Aug 23, 2018 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 72
Views: 16950

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

Is that really a catch? Don’t you have to sign up for margin? I don’t think it’s turned on by default. I can’t seem to tell from looking at my account. I know this is an old thread, but I looked into whether I had margin turned on in our brokerage account. It is straightforward to find. Go to the a...
by CDub
Sun Aug 05, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 72
Views: 16950

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

Open a second brokerage account. I have 2, one for stocks, one holding my cash supply in money markets. The second is linked to cma for overdrafts. The CMA IS a brokerage account. You can hold the MM fund directly in it. No need for a second Brokerage account. I just found that out recently from an...
by CDub
Sun Aug 05, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 72
Views: 16950

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

[quote=CDub post_id=4053451 time=<a href="tel:1533476509">1533476509</a> user_id=129605] It’s listed in their FAQ’s, they will not sell stock or bond. https://www.fidelity.com/cash-management/faqs-cash-management-account If I drop below my minimum target balance or use Cash Manager overdr...
by CDub
Sun Aug 05, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 72
Views: 16950

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

You can get a little bit more yield using SPRXX instead of SPAXX (1.85% vs. 1.57%). Or even using FZDXX 1.97% ($100k to start, $10k to maintain). All of these options require you to manually purchase the fund in the CMA (but will be automatically liquidated as necessary to meet debits). Yep, good p...
by CDub
Sun Aug 05, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 72
Views: 16950

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

I have a Vanguard Advantage Account (a cash management account) which for some reason they not only don't advertise but it is hard to find information about it. Originally, I was going to use that as my primary checking account but when money market rates went almost to zero I kept the account but ...
by CDub
Sun Aug 05, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 72
Views: 16950

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

I see. So cash manager will stop taking money from the brokerage account if only stock and bond are available. That's good to know. I opened a separate Fidelity cash management account recently because I do not want to use the cash management feature of the brokerage account directly. I was wonderi...
by CDub
Sun Aug 05, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 72
Views: 16950

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

[quote="Spirit Rider" post_id=4053400 time=<a href="tel:1533474410">1533474410</a> user_id=717] You don't have to go to that much trouble. Just buy SPAXX in your Cash Management Account. When you have insufficient funds in your core position. Fidelity will sell enough of whatever...
by CDub
Sun Aug 05, 2018 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 72
Views: 16950

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

I guess I don't even have a "Cash Management Account". SPAXX is my "core account" position at Fidelity. I have checks that Fidelity provides that draw directly from that account & fund. Plus Billpay debits, direct pulls, etc. Can you get a debit card on that account? I actua...
by CDub
Sun Aug 05, 2018 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 72
Views: 16950

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

You don't have to go to that much trouble. Just buy SPAXX in your Cash Management Account. When you have insufficient funds in your core position. Fidelity will sell enough of whatever money market funds you have in the CMA to cover the debit. This is a great point and a nice simplification. One dr...
by CDub
Sun Aug 05, 2018 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 72
Views: 16950

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

Good post. I am somewhat cautious with this type of setup. If there is fraud and the checking account get hit, I do not want it to automatically take money from my brokerage account. That’s a good point, however, the cash manager does not “sell” anything except money market and cash equivalents. Ie...
by CDub
Sun Aug 05, 2018 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 72
Views: 16950

Earn 1.5% on your checking account without the usual hoops (at Fidelity)

The Fidelity Cash Management account has served as my primary checking account for 5+ years. It's an excellent product with no fees, minimums, and free-ATM withdrawals. Combining this with the Fidelity 2% cashback visa has been a great option for me. I recently came across their "Cash Manager&q...
by CDub
Wed Aug 01, 2018 5:37 am
Forum: Personal Investments
Topic: Asset Allocation for a intermediate savings goal.
Replies: 12
Views: 1285

Re: Asset Allocation for a intermediate savings goal.

If you want to see Vanguard's take on this, check out the different age-based options Vanguard has in it's 529 plans that follow a glide-path like what you're asking about. https://investor.vanguard.com/529-plan/age-based-options You could also review a "target-retirement" plan ending ~12 ...
by CDub
Mon Jul 16, 2018 5:28 am
Forum: Personal Investments
Topic: Should I simplify my portfolio and switch from 3 fund to 2 fund portfolio?
Replies: 45
Views: 3220

Re: Should I simplify my portfolio and switch from 3 fund to 2 fund portfolio?

Ok, you are right. But maybe it makes sense to simplify portfolio by combining VTI and VXUS together into VT instead? Expenses for VTI is 0.04%, expense for VXUS is 0.11%, so total expense for both is 0.15%. Expense for VT, however is 0.10%, so I would save 0.05% on management fees and simplify por...
by CDub
Thu Jul 12, 2018 7:32 pm
Forum: Investing - Theory, News & General
Topic: The value of international stocks, in pictures
Replies: 81
Views: 18152

Re: The value of international stocks, in pictures

Somebody asked me for a per-decade illustration of US (Total-Market, aka TSM) vs. the rest of the world (developed, aka EAFED). I added Emerging Markets (EM) for good measure. Data comes from a mix of Dimson and al. and what we have in the Simba backtesting spreadsheet . http://i.imgur.com/PAn9bsOl...
by CDub
Wed Jul 11, 2018 10:50 am
Forum: Personal Investments
Topic: contributions not in line with target allocation intl vs domestic
Replies: 4
Views: 350

Re: contributions not in line with target allocation intl vs domestic

Your plan to split and adjust in your Rollover IRA is good. No tax consequences there. We continue to up our bond allocation (at re-balance time) in Rollover IRAs to keep Taxable and Roths 100% stocks (Total US + Total International). At some point, if you run out of space in the Rollover IRA, you ...
by CDub
Wed Jul 11, 2018 7:55 am
Forum: Personal Investments
Topic: contributions not in line with target allocation intl vs domestic
Replies: 4
Views: 350

contributions not in line with target allocation intl vs domestic

I know this is a very simple question, just wanted to confirm. I would like to keep a roughly 70/30 split between domestic/international. However, I am not currently contributing to any international funds. The only low-fee index fund option in my 401k is an S&P500 Index fund. My HSA is invested...
by CDub
Sat Jul 07, 2018 2:09 pm
Forum: Investing - Theory, News & General
Topic: M* article on Taylor Larimore
Replies: 6
Views: 1924

Re: M* article on Taylor Larimore

Which brings me to a suggestion. The three-fund portfolio, to be sure, is simple to implement. But it would be simpler yet if it were a one-fund portfolio. It strikes me that Vanguard might do its investors a favor by bundling Taylor's three funds into a single offering: Vanguard Total Index Fund. ...
by CDub
Sun Feb 11, 2018 6:56 am
Forum: Investing - Theory, News & General
Topic: I-Bonds?
Replies: 80
Views: 19018

Re: I-Bonds?

Here you go. https://tipswatch.com/2018/01/09/i-bond-investors-heres-your-buying-guide-for-2018/ Just check back at the dates mentioned to see his recommendation. In that article he says, "Don’t bother buying I Bonds as a short-term investment. You can do better with one-year, best-in-nation b...
by CDub
Tue Feb 06, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Cheap cell phone plans
Replies: 64
Views: 9836

Re: Cheap cell phone plans

I just signed up for Sprint's 1 year free promotion. It's actually a bit longer than a year, it says my plan will stay free until April 30, 2019.

https://www.sprint.com/en/shop/offers/f ... :1yearfree
by CDub
Tue Jan 30, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?
Replies: 57
Views: 17383

Re: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?

+1 for YNAB and Personal Capital

YNAB mainly bc it actually seems to encourage behavior change (unlike Mint), so easily pays for itself. Plus wife is willing to get on board with YNAB.
Personal capital for investments.