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CDub

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 ...

CDub

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...

CDub

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...

CDub

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...

CDub

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...

CDub

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...

CDub

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...

CDub

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...

CDub

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...

CDub

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 ...

CDub

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...

CDub

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!

CDub

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...

CDub

There’s not, but until recently the core position in brokerage accounts (SPAXX) yielded a similar return as HYSA.

CDub

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. ...

CDub

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.

CDub

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...

CDub

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...

CDub

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...

CDub

For $500 bi-weekly you could set an auto-investment to buy SPRXX.

CDub

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...

CDub

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...

CDub

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...

CDub

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.

CDub

If it helps, I posted on this a couple months back and there was a good discussion: viewtopic.php?f=2&t=255718

CDub

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 ...

CDub

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...

CDub

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...

CDub

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...

CDub

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 ...

CDub

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...

CDub

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...

CDub

[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...

CDub

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...

CDub

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 ...

CDub

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...

CDub

[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...

CDub

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...

CDub

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...

CDub

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...

CDub

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...

CDub

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 ...

CDub

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...

CDub

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...

CDub

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 ...

CDub

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...

CDub

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. ...

CDub

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...

CDub

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

CDub

+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.

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