Search found 61 matches
- 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 ...
- 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...
- 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...
- 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...
- 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...
- 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...
- 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...
- 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...
- 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...
- 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 ...
- 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...
- Sun May 03, 2020 8:02 pm
- Forum: Investing - Theory, News & General
- Topic: Golden Dragonfly Portfolio - A Real World Experiment
- Replies: 73
- Views: 8079
- 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...
- 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.
- 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. ...
- 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.
- 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...
- 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...
- 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...
- 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.
- 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...
- 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...
- 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...
- 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.
Seems almost too good to be true.
- 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
- 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 ...
- 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...
- 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...
- 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...
- 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 ...
- 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...
- 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...
- 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...
- 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...
- 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 ...
- 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...
- 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...
- 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...
- 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...
- 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...
- 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...
- 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 ...
- 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...
- 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...
- 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 ...
- 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...
- 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. ...
- 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...
- 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
https://www.sprint.com/en/shop/offers/f ... :1yearfree
- 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.
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.