Search found 191 matches

by DecumulatorDoc
Mon Sep 02, 2019 9:23 pm
Forum: Investing - Theory, News & General
Topic: 3 fund people how are you feeling?
Replies: 112
Views: 12311

Re: Feeling Good.

Cody: I took a look today at Morningstar's 3-year returns for the U.S. Market (12.43%) vs. U.S. Small-Value (2.69%). http://news.morningstar.com/index/indexReturn.html Yes. I'm feeling good. :sharebeer Best wishes. Taylor Jack Bogle's Words of Wisdom: "The beauty of owning the market is that you el...
by DecumulatorDoc
Thu Aug 29, 2019 12:56 pm
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 116
Views: 11553

Re: VTIAX International fund - should I give up on it?

I am getting a kick out of this thread. Internationals are in period of under-performance. Recommendations are stay the course, use it as a buying opportunity, it will bounce back, its undervalued. Why don't I see the same recommendations on the SCV threads. Instead its: dump it, never should have b...
by DecumulatorDoc
Thu Aug 29, 2019 12:39 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 252
Views: 25494

Re: Small Cap Value heads Rejoice !!!

Bridgeway Omni Small Value (BOTSX), 1 year returns: -25% kewl :greedy Don't know this fund, but I am going to guess this is a cherry picker's bonanza: active fund, high ER, worst time period of short term performance. Not exactly Boglehead-like. :confused Isn’t this the fund that Swedroe is buying ...
by DecumulatorDoc
Thu Aug 29, 2019 11:56 am
Forum: Personal Investments
Topic: Portfolio Review - BAM Portfolio
Replies: 94
Views: 5194

Re: Portfolio Review - BAM Portfolio

As referenced in a previous topic I am also having difficulty staying the course with what I perceive as under performance of my portfolio which is currently with Buckingham. I don't necessarily have any issues with the firm but I am at a point where I am going to move to a self managed portfolio. ...
by DecumulatorDoc
Thu Aug 29, 2019 11:09 am
Forum: Personal Finance (Not Investing)
Topic: [Pay student loans early or invest?]
Replies: 21
Views: 828

Re: [Pay student loans early or invest?]

Thanks, Some places say if I can get an AUM rate of 0.1-0.3%, if not a flat fee, that's actually reasonable. Thoughts? Also, any more opinions on my student loan payment vs investment dilemma? With 0.1% to 0.3% AUM you'll pay $150,000 to $450,000 over 30 years. It's better. Whats best: learn the si...
by DecumulatorDoc
Thu Aug 29, 2019 9:19 am
Forum: Personal Finance (Not Investing)
Topic: [Pay student loans early or invest?]
Replies: 21
Views: 828

Re: [Pay student loans early or invest?]

Hi I have about $214K in newly refinanced student loan debt. The term is for 7 years at an interest rate of 3.93%. I have no other debt and can afford to pay it off handily in 1 to 3 years if I wanted. My financial adviser says not to do this and to invest that money instead. I know Dave Ramsay dis...
by DecumulatorDoc
Wed Aug 28, 2019 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable Donation - is stock or cash better?
Replies: 12
Views: 849

Re: Charitable Donation - is stock or cash better?

Posters above have pointed out the benefit of donating appreciated assets rather than cash. A donor advised fund at Schwab has worked well for me. Allowed me to receive tax benefits from the donation of appreciated equity shares at a time when my income was higher. It has been growing tax free and n...
by DecumulatorDoc
Wed Aug 28, 2019 9:46 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 252
Views: 25494

Re: Small Cap Value heads Rejoice !!!

countmein wrote:
Wed Aug 28, 2019 1:16 pm
Bridgeway Omni Small Value (BOTSX), 1 year returns: -25%

kewl :greedy
Don't know this fund, but I am going to guess this is a cherry picker's bonanza: active fund, high ER, worst time period of short term performance. Not exactly Boglehead-like. :confused
by DecumulatorDoc
Wed Aug 28, 2019 9:35 pm
Forum: Personal Investments
Topic: Leave BAM for Vanguard or Fidelity?
Replies: 61
Views: 4421

Re: Leave BAM for Vanguard or Fidelity?

.... Funny thing, I have SCV tilt roughly equal to my international tilt added to a large TSM holding. Back-testing on Portfolio Visualizer for 10 years shows virtually no difference if I left out the SCV tilt, but big improvement if I had left out international. If I were swayed by short term perf...
by DecumulatorDoc
Wed Aug 28, 2019 8:20 am
Forum: Personal Investments
Topic: Leave BAM for Vanguard or Fidelity?
Replies: 61
Views: 4421

Re: Leave BAM for Vanguard or Fidelity?

Folks who are following a small-cap and value-tilted portfolio and paying attention must be experiencing a huge amount of tracking regret nowadays. This thread is just more evidence to that. DFA followers are simply getting killed compared to a total-market weight portfolio. As least the DFA follow...
by DecumulatorDoc
Wed Aug 28, 2019 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Tax Aid Volunteering for AARP or VITA
Replies: 42
Views: 1933

Re: Tax Aid Volunteering for AARP or VITA

I've been involved with the VITA program for several years running and plan on continuing til the brain can't handle it any more. Definitely one of the most rewarding things I've done. The folks served are extremely appreciative. You'll get hugs and some tears and it will be a humbling experience. W...
by DecumulatorDoc
Tue Aug 27, 2019 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: IRMAA 3 years after life changing event
Replies: 6
Views: 842

Re: IRMAA 3 years after life changing event

Trying to find the correct method for reducing my Income Related Monthly adjustment amount in 2021. Here are the details: I file Single on my tax return. I retired in 2018 and although my income was reduced, it is still in the 4th range for the IRMAA (at the very lowest of the range). I was notifie...
by DecumulatorDoc
Tue Aug 27, 2019 12:29 pm
Forum: Personal Investments
Topic: Leave BAM for Vanguard or Fidelity?
Replies: 61
Views: 4421

Re: Leave BAM for Vanguard or Fidelity?

Greetings from a new member-- Unfortunately, my portfolio--65 percent equities/35 percent bonds--is hovering around 4.8 percent cumulative earnings for the period end of 2012-present (c. 7 years). At age 68, I pleaded again and again for a better return, but only very briefly hit 7.1 percent during...
by DecumulatorDoc
Tue Aug 27, 2019 12:15 pm
Forum: Personal Investments
Topic: Leave BAM for Vanguard or Fidelity?
Replies: 61
Views: 4421

Re: Leave BAM for Vanguard or Fidelity?

I thought you could keep DFA funds after leaving an advisor, you just can’t add to them. Are they held at Schwab? https://www.bogleheads.org/forum/viewtopic.php?t=13721 Yes you can keep DFA at majority of brokerages, but rarely can you add to the position. There are a few brokerages that won't acce...
by DecumulatorDoc
Tue Aug 27, 2019 11:54 am
Forum: Personal Finance (Not Investing)
Topic: How Have You Planned for Sequence of Return Risk (SOR)?
Replies: 166
Views: 9006

Re: How Have You Planned for Sequence of Return Risk (SOR)?

Note that all techniques for reducing SoR risk also result in reducing returns and therefore wealth and spending in the long run. Percentage-of-portfolio withdrawal methods completely sidestep sequence of returns risk as it pertains to your portfolio and don't do anything to reduce returns. But thi...
by DecumulatorDoc
Tue Aug 27, 2019 10:06 am
Forum: Personal Finance (Not Investing)
Topic: How Have You Planned for Sequence of Return Risk (SOR)?
Replies: 166
Views: 9006

Re: How Have You Planned for Sequence of Return Risk (SOR)?

If you retired in 2009 or shortly afterward it is entirely possible your retirement has benefited hugely from sequence of returns risk. It has, that is, if you planned for it by carrying a large allocation to US stocks. I wish you could explain this to me. Because to my thinking, it seems like 2009...
by DecumulatorDoc
Tue Aug 27, 2019 9:20 am
Forum: Personal Finance (Not Investing)
Topic: How Have You Planned for Sequence of Return Risk (SOR)?
Replies: 166
Views: 9006

Re: How Have You Planned for Sequence of Return Risk (SOR)?

If you retired in 2009 or shortly afterward it is entirely possible your retirement has benefited hugely from sequence of returns risk. It has, that is, if you planned for it by carrying a large allocation to US stocks. I wish you could explain this to me. Because to my thinking, it seems like 2009...
by DecumulatorDoc
Tue Aug 27, 2019 8:07 am
Forum: Personal Finance (Not Investing)
Topic: How Have You Planned for Sequence of Return Risk (SOR)?
Replies: 166
Views: 9006

Re: How Have You Planned for Sequence of Return Risk (SOR)?

1. Maintain a cash buffer . Of course, it doesn’t have to be “cash” to deal with sequence-of-returns risk. It needs to be “non-equity” and perhaps not LT bonds. When I retired, I had enough in bonds to get from age 62 to age 68 which is at the low end of my retirement range (68-70 is the range). I ...
by DecumulatorDoc
Tue Aug 27, 2019 7:45 am
Forum: Personal Investments
Topic: Allocation help-Core-4 in taxable, REITs and Bonds
Replies: 10
Views: 881

Re: Allocation help-Core-4 in taxable, REITs and Bonds

Roth IRA would still be a better choice than putting money into a taxable account. This is because of the way the earnings are taxed. In Roth IRA, the earnings would not be taxed at all after you reach 59.5. And direct contributions to Roth IRA are available for your use any time without penalty. T...
by DecumulatorDoc
Tue Aug 27, 2019 7:09 am
Forum: Personal Investments
Topic: For equity sales should I avoid VTI total stock index
Replies: 18
Views: 1335

Re: For equity sales should I avoid VTI total stock index

I’ve answers my own question... in the end the method of cost basis and the sales of newer shares makes no difference in the end in the total value of the estate or the total value of money you can access during life. Thanks everyone. Glad you came to that conclusion. It's easy to try to overthink ...
by DecumulatorDoc
Tue Aug 27, 2019 6:53 am
Forum: Investing - Theory, News & General
Topic: "A Down-Market Survival Guide For Preretires."
Replies: 4
Views: 1446

Re: "A Down-Market Survival Guide For Preretires."

Bogleheads: If you are approaching retirement, Morningstar's Christine Benz offers excellent advice. These are quotes: "If you haven’t taken steps to protect your portfolio and your plan ahead of serious market gyrations, the short-term nuisance of volatility can turn into actual risk in a hurry." ...
by DecumulatorDoc
Mon Aug 26, 2019 6:28 pm
Forum: Investing - Theory, News & General
Topic: [Larry Swedroe: Small Value Stocks are Cheap, Factor Investing Works]
Replies: 673
Views: 25248

Re: [Larry Swedroe: Small Value Stocks are Cheap, Factor Investing Works]

Since Taylor doesn't know which one will do better (value or not value), he selects Total Market. The only truth is that Taylor has exposure to stocks that factor investors don't. You do realize many of us tilt to SCV with a large core holding in total market. So that statement doesn't seem true.
by DecumulatorDoc
Mon Aug 26, 2019 5:35 pm
Forum: Personal Investments
Topic: For equity sales should I avoid VTI total stock index
Replies: 18
Views: 1335

Re: For equity sales should I avoid VTI total stock index

My question is based on the idea of the three fund account and why it would lack sale flexibility. In my scenario i would be 40 years down the line and at that time need $100000 to cash out for a medical expense. If I owned ten different funds that all reinvest and produce no dividends along the 30...
by DecumulatorDoc
Mon Aug 26, 2019 4:09 pm
Forum: Personal Investments
Topic: For equity sales should I avoid VTI total stock index
Replies: 18
Views: 1335

Re: For equity sales should I avoid VTI total stock index

I would keep it simple, Adding more funds doesn't mean your better diversified. VTI is a very good total US market index fund with very low expense and great for a taxable account. I think you unnecessarily make things complex and redundant with additional funds like the S&P Index Fund, and a few ot...
by DecumulatorDoc
Mon Aug 26, 2019 3:23 pm
Forum: Personal Investments
Topic: Emergency Fund - Short Term Bond Funds or Money Market Funds?
Replies: 29
Views: 2691

Re: Not everyone needs a separate "emergency" fund.

Hey all, I was just curious to get your take on whether or not you use short term bond funds/etfs or money market funds for "emergency funds". I have found that I've never tapped into my emergency fund and would like to see what others are doing. Thanks! Investment options I am considering: Short T...
by DecumulatorDoc
Mon Aug 26, 2019 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Following ACA subsidy range for a low income 55 till 65
Replies: 15
Views: 1296

Re: Following ACA subsidy range for a low income 55 till 65

I note my Family of 2 (wife, me), get Bronze coverage in San Diego California at these rates. The price actually goes down from 55 to 64. High deductible Bronze plan making $65,000 = $202.55 (for 2) High deductible Bronze plan making $66,000 = $$960.49 (for 2) That's $9,095.28 annually that Uncle S...
by DecumulatorDoc
Mon Aug 26, 2019 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Following ACA subsidy range for a low income 55 till 65
Replies: 15
Views: 1296

Re: Following ACA subsidy range for a low income 55 till 65

I note my Family of 2 (wife, me), get Bronze coverage in San Diego California at these rates. The price actually goes down from 55 to 64. High deductible Bronze plan making $65,000 = $202.55 (for 2) High deductible Bronze plan making $66,000 = $$960.49 (for 2) That's $9,095.28 annually that Uncle S...
by DecumulatorDoc
Sun Aug 25, 2019 12:34 pm
Forum: Personal Investments
Topic: Selling losses to offset Gains
Replies: 18
Views: 1544

Re: Selling losses to offset Gains

I have the tax program, which I'll do later this year, but can anyone give me the basic idea of what I should expect ? Worth it to sell in whole or in part ? Thanks in advance ~ Also why wait til later in the year to check various tax scenarios. Use this program anytime to see where you are. Plug i...
by DecumulatorDoc
Sun Aug 25, 2019 11:22 am
Forum: Investing - Theory, News & General
Topic: Asset location: bonds belong in taxable
Replies: 70
Views: 6891

Re: Asset location: bonds belong in taxable

At retirement, my Taxable and Roth space is about 60% and tax-deferred IRA is 40%. Matches my asset allocation well, so mostly bonds in IRA and Equities in Taxable and Roth. I like it for a few reasons. 1) Expect bond returns to be lower over many years, so RMDs are minimized. 2) In Taxable equitie...
by DecumulatorDoc
Sun Aug 25, 2019 10:00 am
Forum: Investing - Theory, News & General
Topic: A theory of one's general investing mindset: 'Good enough' or 'Optimize'
Replies: 297
Views: 12031

Re: A theory of one's general investing mindset: 'Good enough' or 'Optimize'

tadamsmar wrote:
Sun Aug 25, 2019 9:21 am

The next stage may be:

4. Can't rebalance to my AA without paying capital gains taxes
Yup I'm there now. Just gotta get creative, but it gets harder every year. Next year, once I no longer worry about the ACA cliff I'll have more flexibility.
by DecumulatorDoc
Sun Aug 25, 2019 8:51 am
Forum: Investing - Theory, News & General
Topic: A theory of one's general investing mindset: 'Good enough' or 'Optimize'
Replies: 297
Views: 12031

Re: A theory of one's general investing mindset: 'Good enough' or 'Optimize'

What I don't understand is why satisficers spend so much time on the Theory board arguing with optimizers - shouldn't they be fishing instead? I've often thought the same thing. They talk about love of simplicity and couldn't bear the thought of rebalancing more than 2 or 3 funds, then spend hours ...
by DecumulatorDoc
Sun Aug 25, 2019 8:32 am
Forum: Personal Finance (Not Investing)
Topic: What are your thoughts on USAA for checking? Insurance? Banking in general?
Replies: 44
Views: 2178

Re: What are your thoughts on USAA for checking? Insurance? Banking in general?

Interesting. Had no idea I could get a checking account through Fidelity. I actually have an old 401k with them now and love them. Do I have to make a request for Fidelity to refund ATM fees? Or is it done automatically? Does anyone know if USAA also reimburses for atm fees? Don't know how Schwab's...
by DecumulatorDoc
Sun Aug 25, 2019 7:02 am
Forum: Investing - Theory, News & General
Topic: Asset location: bonds belong in taxable
Replies: 70
Views: 6891

Re: Asset location: bonds belong in taxable

At retirement, my Taxable and Roth space is about 60% and tax-deferred IRA is 40%. Matches my asset allocation well, so mostly bonds in IRA and Equities in Taxable and Roth. I like it for a few reasons. 1) Expect bond returns to be lower over many years, so RMDs are minimized. 2) In Taxable equitie...
by DecumulatorDoc
Sun Aug 25, 2019 6:40 am
Forum: Investing - Theory, News & General
Topic: A theory of one's general investing mindset: 'Good enough' or 'Optimize'
Replies: 297
Views: 12031

Re: A theory of one's general investing mindset: 'Good enough' or 'Optimize'

I've personally morphed from 'good enough' to 'optimize'. I briefly scanned through this thread so I apologize if its been brought up earlier, but I believe Rick Ferri's stages of an investor are pertinent here. Maybe we'll all end up with the 3 fund portfolio! :sharebeer Rick Ferri @Rick_Ferri A s...
by DecumulatorDoc
Sun Aug 25, 2019 6:24 am
Forum: Investing - Theory, News & General
Topic: [Larry Swedroe: Small Value Stocks are Cheap, Factor Investing Works]
Replies: 673
Views: 25248

Re: [Larry Swedroe: Small Value Stocks are Cheap, Factor Investing Works]

A search on Small Value premium on Google produces the following hits: References to FF, Bogleheads forum posts, Swedroe articles, other DFA shop links. There you have it, I have been hearing about this theory for nearly 20 years now, and always on the above listed sources. So after all these years...
by DecumulatorDoc
Sun Aug 25, 2019 5:58 am
Forum: Investing - Theory, News & General
Topic: A theory of one's general investing mindset: 'Good enough' or 'Optimize'
Replies: 297
Views: 12031

Re: A theory of one's general investing mindset: 'Good enough' or 'Optimize'

Good theory and probably true. I'd just like to add that there's probably a significant number of investors who morph from optimizers to good enoughers for a variety of reasons, growing older maybe being the primary one. I've personally morphed from 'good enough' to 'optimize'. I briefly scanned th...
by DecumulatorDoc
Sat Aug 24, 2019 10:00 pm
Forum: Investing - Theory, News & General
Topic: A theory of one's general investing mindset: 'Good enough' or 'Optimize'
Replies: 297
Views: 12031

Re: A theory of one's general investing mindset: 'Good enough' or 'Optimize'

Good theory and probably true. I'd just like to add that there's probably a significant number of investors who morph from optimizers to good enoughers for a variety of reasons, growing older maybe being the primary one. I've personally morphed from 'good enough' to 'optimize'. I briefly scanned th...
by DecumulatorDoc
Sat Aug 24, 2019 9:32 pm
Forum: Investing - Theory, News & General
Topic: [Larry Swedroe: Small Value Stocks are Cheap, Factor Investing Works]
Replies: 673
Views: 25248

Re: [Larry Swedroe: Small Value Stocks are Cheap, Factor Investing Works]

A search on Small Value premium on Google produces the following hits: References to FF, Bogleheads forum posts, Swedroe articles, other DFA shop links. There you have it, I have been hearing about this theory for nearly 20 years now, and always on the above listed sources. So after all these years...
by DecumulatorDoc
Sat Aug 24, 2019 9:12 pm
Forum: Investing - Theory, News & General
Topic: [Larry Swedroe: Small Value Stocks are Cheap, Factor Investing Works]
Replies: 673
Views: 25248

Re: [Larry Swedroe: Small Value Stocks are Cheap, Factor Investing Works]

A search on Small Value premium on Google produces the following hits: References to FF, Bogleheads forum posts, Swedroe articles, other DFA shop links. There you have it, I have been hearing about this theory for nearly 20 years now, and always on the above listed sources. So after all these years...
by DecumulatorDoc
Sat Aug 24, 2019 7:56 pm
Forum: Investing - Theory, News & General
Topic: Asset location: bonds belong in taxable
Replies: 70
Views: 6891

Re: Asset location: bonds belong in taxable

At retirement, my Taxable and Roth space is about 60% and tax-deferred IRA is 40%. Matches my asset allocation well, so mostly bonds in IRA and Equities in Taxable and Roth. I like it for a few reasons. 1) Expect bond returns to be lower over many years, so RMDs are minimized. 2) In Taxable equities...
by DecumulatorDoc
Sat Aug 24, 2019 6:22 pm
Forum: Personal Investments
Topic: Should I wait to reset my AA or would that be market timing?
Replies: 12
Views: 948

Re: Should I wait to reset my AA or would that be market timing?

Admittedly your initial allocation is a bit rich for someone in their 60s. Its OK to switch as long as your decision wasn't primarily in response to the pullback in stocks recently. I suspect the pullback has something to do with your decision and you would be content if we were still setting record...
by DecumulatorDoc
Sat Aug 24, 2019 5:58 pm
Forum: Investing - Theory, News & General
Topic: [Larry Swedroe: Small Value Stocks are Cheap, Factor Investing Works]
Replies: 673
Views: 25248

Re: [Larry Swedroe: Small Value Stocks are Cheap, Factor Investing Works]

vineviz wrote:
Sat Aug 24, 2019 4:27 pm
Day9 wrote:
Sat Aug 24, 2019 4:25 pm
Factorheads define market beta premium as the return of the market minus the return of the risk free rate . . .
If by “factorhead” you mean “everyone who understands the basic concepts of finance”, then you are correct.
+1, and by factorhead, you mean Boglehead.
by DecumulatorDoc
Sat Aug 24, 2019 3:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12035
Views: 2047449

Re: U.S. stocks in free fall

Boy do I wish this thread would go away. How in the world is this post from 2011 actionable, unless of course there are Bogleheads with access to the market circuit breakers. When I see a thread that does not interest me, I simply do not click on it. Maybe its like watching a train wreck...hard to ...
by DecumulatorDoc
Sat Aug 24, 2019 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Restricted application social security how to apply?
Replies: 3
Views: 391

Re: Restricted application social security how to apply?

Congrats, you'll be one of the last to be able to do it.. Sorry I will just miss this opportunity.

https://www.kiplinger.com/article/retir ... gy-is.html
by DecumulatorDoc
Sat Aug 24, 2019 12:26 pm
Forum: Personal Investments
Topic: Do I Need an Emergency Fund And How Much
Replies: 41
Views: 3872

Re: Do I Need an Emergency Fund And How Much

You don't need a taxable portfolio. Willthrill8, I understand from this and previous posts that your portfolio is 100% tax advantaged. From my experience as a retiree, I have to tell you just how nice it is to have your portfolio spread equally among taxable, tax-deferred, and tax-free. The strateg...
by DecumulatorDoc
Sat Aug 24, 2019 9:55 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12035
Views: 2047449

Re: U.S. stocks in free fall

It doesn’t need to be actionable as this thread is moderator approved. If you disagree with the mods you need to private message them. If not, please don’t argue the point. Cheers Whoa there, I'm not arguing, just asking. And curious how one of the longest running threads on Bogleheads is about a o...
by DecumulatorDoc
Sat Aug 24, 2019 9:12 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12035
Views: 2047449

Re: U.S. stocks in free fall

DOW is down by over 550 points with a couple hours of trading left. Trading halt on the way? Boy do I wish this thread would go away. How in the world is this post from 2011 actionable, unless of course there are Bogleheads with access to the market circuit breakers. Instead of the thread going awa...
by DecumulatorDoc
Sat Aug 24, 2019 8:59 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12035
Views: 2047449

Re: U.S. stocks in free fall

Lbill wrote:
Mon Aug 08, 2011 1:30 pm
DOW is down by over 550 points with a couple hours of trading left. Trading halt on the way?
Boy do I wish this thread would go away. How in the world is this post from 2011 actionable, unless of course there are Bogleheads with access to the market circuit breakers.
by DecumulatorDoc
Sat Aug 24, 2019 8:35 am
Forum: Investing - Theory, News & General
Topic: [Larry Swedroe: Small Value Stocks are Cheap, Factor Investing Works]
Replies: 673
Views: 25248

Re: It is a mistake to continue what doesn't work.

Now that Taylor has given you the green light to ditch SCV during the short term period of under-performance (so much for stay the course), I imagine you'll be making similar changes in the rest of your portfolio. Thats not a bad thing for you. Given your anxiety about economic outlook, yours is no...
by DecumulatorDoc
Sat Aug 24, 2019 8:21 am
Forum: Personal Investments
Topic: Do I Need an Emergency Fund And How Much
Replies: 41
Views: 3872

Re: Do I Need an Emergency Fund And How Much

You don't need a taxable portfolio. Willthrill8, I understand from this and previous posts that your portfolio is 100% tax advantaged. From my experience as a retiree, I have to tell you just how nice it is to have your portfolio spread equally among taxable, tax-deferred, and tax-free. The strateg...