Search found 125 matches
- Sat Nov 28, 2020 2:24 pm
- Forum: Personal Investments
- Topic: Rank ARK funds in order of preference
- Replies: 30
- Views: 2785
Re: Rank ARK funds in order of preference
Was lucky to get in on a couple of stocks before these ARK funds invested in them. Once people found out ARK had invested in them the stocks went way up. One over 200% for me. My fun money quickly turned into way more than 3% of my portfolio.
- Tue Jun 16, 2020 1:46 pm
- Forum: Investing - Theory, News & General
- Topic: How is Bridgewater's Pure Alpha Fund II doing since the coronavirus hit us?
- Replies: 11
- Views: 1425
Re: How is Bridgewater's Pure Alpha Fund II doing since the coronavirus hit us?
to be fair I don't think people saw this virus coming out of left field and with so much misinformation there prolly wasn't enough time to undo positions. I'm curious myself how the other hedge funds did or are doing.GaryA505 wrote: ↑Tue Jun 16, 2020 12:55 pmSo the Wizard of Hedges got it wrong?TheJoelfather wrote: ↑Tue Jun 16, 2020 12:46 pm Not good, AUM in the last filing was <$140b, or down 15% from $163b. Ray Dalio commented publicly that they were positioned long and suffered for it.
- Wed May 27, 2020 12:13 pm
- Forum: Investing - Theory, News & General
- Topic: Fractional Investing
- Replies: 27
- Views: 2712
Re: Fractional Investing
Ahh man, you had my hopes up! They will eventually come around.core4portfolio wrote: ↑Tue May 26, 2020 8:25 amYou are right - BOA doesnt allow fractionalCulbretd wrote: ↑Tue May 26, 2020 3:53 amBOA/Merrill Edge is now allowing fractional shares? I use ETFs at Merrill Edge and have been buying whole shares, didn’t know I had the option of fractional shares with them.core4portfolio wrote: ↑Mon May 25, 2020 9:20 pm M1Finance and BOA Merill both allow only citizens and permanent residents only.
Fidelity and vanguard allows even visa holders if it matters. Iam happy with fidelity and vanguard
- Tue May 26, 2020 3:53 am
- Forum: Investing - Theory, News & General
- Topic: Fractional Investing
- Replies: 27
- Views: 2712
Re: Fractional Investing
BOA/Merrill Edge is now allowing fractional shares? I use ETFs at Merrill Edge and have been buying whole shares, didn’t know I had the option of fractional shares with them.core4portfolio wrote: ↑Mon May 25, 2020 9:20 pm M1Finance and BOA Merill both allow only citizens and permanent residents only.
Fidelity and vanguard allows even visa holders if it matters. Iam happy with fidelity and vanguard
- Sun May 03, 2020 6:16 am
- Forum: Investing - Theory, News & General
- Topic: Berkshire Hathaway is hammered
- Replies: 60
- Views: 13009
Re: Berkshire Hathaway is hammered
In today's world....I don't consider BRK any different than an actively managed large cap value MF. Interestingly.... it is down the identical amount YTD as the Vanguard LCV index fund. Both down about 17% through end of April. Big different is its a growth fund. (No dividends) Not sure why anyone would buy BRK when you don't even get dividends. Not issuing a dividend does not make it a growth company. Dividend yield is just one noisy proxy for value. The Vanguard Value Fund (VTV - CRSP index) and the Vanguard S&P 500 Value Fund (VOOV - S&P index) both have Berkshire as a holding currently. Actually, it is the biggest holding due to cap weighting. Not issuing a dividend is considered an advantage by some, as has been discussed in l...
- Sun May 03, 2020 6:07 am
- Forum: Investing - Theory, News & General
- Topic: When to sell low? Buffett sells entire airline stake
- Replies: 81
- Views: 12912
Re: When to sell low? Buffett sells entire airline stake
Berkshire has been divided up and run by portfolio managers for awhile now. Guys like T. Combs have been doing the buying.
- Fri May 01, 2020 8:48 pm
- Forum: Investing - Theory, News & General
- Topic: There's a first time for everything [Elon Musk says share price too high]
- Replies: 15
- Views: 2393
Re: There's a first time for everything
He is going [expletive removed by admin LadyGeek] crazy. He's going to sell everything (but not donate any of it, during an public health and economic crisis) because his right to go to a crowded movie theater is being infringed? Besides the SEC ramifications, he and other persons that will not be mentioned, really really just need to stop tweeting every stupid thought that comes into their brain. This is the best example of the dark side of social media. It makes people feel that everyone else should care what they think and do about every inane detail, and feeds our entitlement and selfishness. Do we really care that he's going to sell his house and rent, or go live on Mars? Why do we care? He may be brilliant, but that doesn't make him ...
- Fri Apr 17, 2020 8:09 am
- Forum: Investing - Theory, News & General
- Topic: Why does no one talk about mid cap tilt?
- Replies: 16
- Views: 3482
Re: Why does no one talk about mid cap tilt?
Google “Mels Unloved Midcaps”justsomeguy2018 wrote: ↑Thu Apr 16, 2020 11:20 pm I inasvertently tilted my 401k towards mid cap (70/20/10), large/mid/small). I was trying to recreate total market cap.
I hear a lot about large cap and small cap, but rarely about mid cap.
Thoughts on this asset class? Its underperformed the sp500 for the last year (and probably beyond).
Should i fix my 401k allocation to avoid this mid/small tilt?
I overweight midcaps slightly. They are still down roughly 26% for the year and I plan on buying some more today once the market opens.
- Fri Apr 17, 2020 7:47 am
- Forum: Investing - Theory, News & General
- Topic: Mr.Random Walk
- Replies: 25
- Views: 3073
Re: Mr.Random Walk
Burton Malkiel's Randon Walk book has been mentioned as one belonging in any Boglehead's library. Yesterday in Barron's interview, Mr.Malkiel said he is "worried" about the Total Bond Index Fund. I get what he's saying, on other hand think most Boglehead's view Total Bond as a long term hold, a ballast for their equity holdings if you will. What irritates me is that Jack is not around anymore to keep an eye on Vanguard. Recent efforts by Vanguard to have members under Vanguard personal advisor services was too strong a push. When I open Vanguard personal investor section, I see a movie star good looks Tim Buckley in handsome pose across top of page view. Tim looks the part, right out of central casting for a CEO-type. I think Van...
- Thu Mar 19, 2020 5:03 am
- Forum: Investing - Theory, News & General
- Topic: Where's Warren Buffett During This Crisis?
- Replies: 181
- Views: 28832
Re: Where's Warren Buffett During This Crisis?
If i’m Not mistaken I believe I read an article on yahoo finance the other day where he or one of his portfolio managers just bought another million shares of Delta Airline when the price dropped in the $32 dollar range.nedsaid wrote: ↑Wed Mar 18, 2020 9:56 pmI think this is correct. Somehow I don't envision Buffett sitting on a pile of money tossing it in the air like Scrooge McDuck. I think he is surveying the situation and looking for opportunity. He probably regrets his big investment in Delta Airlines right now.
- Wed Mar 11, 2020 4:25 am
- Forum: Investing - Theory, News & General
- Topic: Dave Ramsey Reacts to Stock Market Crash
- Replies: 93
- Views: 17373
Re: Dave Ramsey Reacts to Stock Market Crash
+1.Ferdinand2014 wrote: ↑Tue Mar 10, 2020 10:52 pmI tithe 10% of everything I earn anonymously to many organizations including my church and it pays me back 1,000 fold more. In fact I consider it rather selfish as it makes me feel so good.prairieman wrote: ↑Tue Mar 10, 2020 5:35 pm I tuned him out when he ranted against taxes but promoted 10% tithing to a church. If a person is poor and in debt (his audience) they are probably not paying much tax anyway and, well, ....
- Sat Dec 28, 2019 2:48 pm
- Forum: Personal Investments
- Topic: De-Risking. Drop International and Emerging?
- Replies: 17
- Views: 1804
Re: De-Risking. Drop International and Emerging?
Avid follower of the forum. Age 66, retirement next December 2020. Have enough. Want to de-risk some. 50/50 allocation all indexed. Should I replace International, Emerging, REIT with Total stock. S&P 18% MC/SC 7% REIT 10% Intl Developed 10% Emerging 5% Total Bond 25% Interm Treasuries 25% Someone posted; “when experts disagree on a topic it’s generally because there isn’t a single correct answer.” You have Benjamin Graham and Burton Malkiel FOR and John Bogle and Warren Buffett AGAINST an international allocation. We have the two fund port vs the three fund port. I have also read so many great posts on this forum and both sides make sense. Importantly: I am not sure if my allocation is enough to move the needle and therefor opt for si...
- Wed Dec 04, 2019 7:07 am
- Forum: Investing - Theory, News & General
- Topic: Favorite stock(s) and why
- Replies: 131
- Views: 10680
Re: Favorite stock(s) and why
Curious, at what price did you buy SiriusXM (Siri) at? I have a small position in this stock myself it has paid off nicely (just been letting the gains/profits ride). They just agreed to start buying back shares from Liberty SiriusXM (Malone and Company). I totally support that and hope they continue to decrease Malone’s share count.mortfree wrote: ↑Mon Dec 02, 2019 7:09 pm Apple, google and SiriusXM were initially purchased 2007, 2008, and ~2004 respectively.
Have added to Apple and SiriusXM along the way.
I also like BRKB and United Healthcare (UNH).
In addition to the above The only other individual stock I own now is Altria (MO) and that took a hit.
- Fri Nov 29, 2019 5:41 pm
- Forum: Investing - Theory, News & General
- Topic: Yes, another International vs Domestic Thread
- Replies: 212
- Views: 14023
- Thu Nov 14, 2019 11:53 am
- Forum: Personal Investments
- Topic: Spend It All vs. Leave $$ for the Kids
- Replies: 200
- Views: 22153
Re: Spend It All vs. Leave $$ for the Kids
Spend as much as you want, and leave the rest to charity. The problem with inheritances is that they create an unlevel playing field in society (which is unearned by the beneficiaries to the detriment of those that don't have the same). This is why I respect "new money" instead of "old money" people- new money people actually earned it for themselves. Personally, I want my kid to have an advantage on the unlevel playing field. Same here. Money can give someone more options. Could be the difference in them starting a business at 25 years old compared to 35 years old. Finical stability can can give someone a huge peace of mind when deciding to step out on the limb and take a risk. I want their life to be easier than mine ...
- Thu Nov 14, 2019 4:11 am
- Forum: Personal Investments
- Topic: Spend It All vs. Leave $$ for the Kids
- Replies: 200
- Views: 22153
Re: Spend It All vs. Leave $$ for the Kids
I will be leaving some to my children as my parents wil be leaving some to me. Both my parents grew up dirt poor in the south and my dad (who is the smartest man I know) never made it past the 8th grade; he finally dropped out after his 3rd try. I remember growing up in old trailers and ratty clothes. My parents are both very successful now and leaving a decent amount of my money to my brother and I. In todays society anyone that tries to make it can. We leave in the greatest capitalist country in the world. They taught me hard work and never giving up even after many failures. To this day there is nothing I can’t ask my dad that he can’t get a book from the library to figure out how to do something. He passed this down to me. Together we h...
- Sat Nov 02, 2019 6:40 am
- Forum: Personal Investments
- Topic: 457Roth or Traditional Delimma AND checkup
- Replies: 30
- Views: 1530
Re: 457Roth or Traditional Delimma AND checkup
fortfun, are you saying it's not possible to specify that withdrawals post-retirement come from pre-tax assets only? My 457 is pretty new to the Roth possibility so there's not much language around it, so I'm curious about my own situation and wondering if I've missed a key protocol here. I was assuming that, for instance, the partial lump sum option my state offers would allow somebody like me and your wife to take that from pretax only; is there a reason why it couldn't? (I realize your wife's plan may not offer a partial lump sum--I'm just throwing that out there.) My understanding, which I need to verify, is that DW can only pull from the traditional 457, before 59.5. I believe she cannot pull any of the money from her roth457 until 59...
- Sat Nov 02, 2019 4:51 am
- Forum: Investing - Theory, News & General
- Topic: Mel's Unloved Mid-Caps Finally Getting Some Respect
- Replies: 82
- Views: 17910
Re: Mel's Unloved Mid-Caps Finally Getting Some Respect
. . . Researching Mel’s threads over the years I was surprised to see that Mel has had several good calls over the past couple of decades; not just touting mid caps but other asset classes. Certainly glad you are a poster here on Bogleheads.org Mel. Some of us pay close attention when we see your post. Thanks for the kind words. Hopefully you loaded up the truck with I Bonds back when I was recommending them when they had a fixed rate more than 15 times what they're paying today. So Mel, with your fabulous track record, what's your best call for the future now? :D Not Mel, but I imagine he woud say “Stay the course. Rebalance and kee chugging along.” All you can do. No one is saying he has a crystal ball but he is someone who is well respe...
- Thu Oct 31, 2019 4:33 am
- Forum: Investing - Theory, News & General
- Topic: Mel's Unloved Mid-Caps Finally Getting Some Respect
- Replies: 82
- Views: 17910
Re: Mel's Unloved Mid-Caps Finally Getting Some Respect
Love Mels Unloved Midcaps. I have 50% of my U.S. equities in mid caps and the other 50% in the S&P 500. I use the S&P 400 and the CRSP mid cap index in my wifes TIAA 401(a) account. I’ve been very pleased with the performance of midcaps.
I see they still don’t get the respect they deserve though but that’s ok. Still gonna hold them. Researching Mel’s threads over the years I was surprised to see that Mel has had several good calls over the past couple of decades; not just touting mid caps but other asset classes.
Certainly glad yo are a poster here on Bogleheads.org Mel. Some of us pay close attention when we see your post.
I see they still don’t get the respect they deserve though but that’s ok. Still gonna hold them. Researching Mel’s threads over the years I was surprised to see that Mel has had several good calls over the past couple of decades; not just touting mid caps but other asset classes.
Certainly glad yo are a poster here on Bogleheads.org Mel. Some of us pay close attention when we see your post.
- Wed Oct 30, 2019 5:39 am
- Forum: Personal Investments
- Topic: 457Roth or Traditional Delimma AND checkup
- Replies: 30
- Views: 1530
Re: 457Roth or Traditional Delimma AND checkup
fortfun, are you saying it's not possible to specify that withdrawals post-retirement come from pre-tax assets only? My 457 is pretty new to the Roth possibility so there's not much language around it, so I'm curious about my own situation and wondering if I've missed a key protocol here. I was assuming that, for instance, the partial lump sum option my state offers would allow somebody like me and your wife to take that from pretax only; is there a reason why it couldn't? (I realize your wife's plan may not offer a partial lump sum--I'm just throwing that out there.) My understanding, which I need to verify, is that DW can only pull from the traditional 457, before 59.5. I believe she cannot pull any of the money from her roth457 until 59...
- Sun Oct 06, 2019 1:18 pm
- Forum: Personal Investments
- Topic: SC teacher retirement help
- Replies: 14
- Views: 2112
Re: SC teacher retirement help
My wife is a state employee for a major university in S.C. She uses TIAA for her 401(a) and we chose vanguard for her 403(b) provider. It is an option, but it took some digging to get a list of all the 403(b) providers. If I remember correctly you have to use Empower Retirement for the 457 plan, which is fine because they have VIIIX (Vanguard S&P 500 fund for .02 expense ratio). I would advise against Valic for your wifes 401(a) because I believe they charge an extra .33 expense ratio for your plan... it was something like maintenance and book keeping fees and some other things. While they did offer a few vanguard funds after the extra (hidden) expenses were added in I couldn’t justify the cost. So we went with TIAA for the State ORP o...
- Sat Oct 05, 2019 7:11 pm
- Forum: Personal Investments
- Topic: SC teacher retirement help
- Replies: 14
- Views: 2112
Re: SC teacher retirement help
My wife is a state employee for a major university in S.C. She uses TIAA for her 401(a) and we chose vanguard for her 403(b) provider. It is an option, but it took some digging to get a list of all the 403(b) providers. If I remember correctly you have to use Empower Retirement for the 457 plan, which is fine because they have VIIIX (Vanguard S&P 500 fund for .02 expense ratio). I would advise against Valic for your wifes 401(a) because I believe they charge an extra .33 expense ratio for your plan... it was something like maintenance and book keeping fees and some other things. While they did offer a few vanguard funds after the extra (hidden) expenses were added in I couldn’t justify the cost. So we went with TIAA for the State ORP or...
- Sun Sep 29, 2019 4:48 pm
- Forum: Personal Investments
- Topic: New Merrill Edge cash solutions (possibly?)
- Replies: 38
- Views: 9123
Re: New Merrill Edge cash solutions (possibly?)
Well we bank with BoA and it just needs to be 100k with them and Merrill Edge (combined). Regardless all our taxable accounts are ETF’s held at Merrill Edge. If the market drops 50% then they give you a 3 month grace period to get back to 100k (total in all accounts; BoA and Merrill Edge).LocusCoeruleus wrote: ↑Sun Sep 29, 2019 11:41 am Other than cash equivalents are folks just buying vti according their aa to maintain the 100k in taxable?
For those that just want to leave 100k in the account, my concern for having a substantial portion in a volatile equity index fund is what about large drops. Perhaps the fact that you have nearly a year to get back up to 100k if the fund drops either by reversion or further contribution helps?
- Sun Sep 29, 2019 11:34 am
- Forum: Personal Investments
- Topic: New Merrill Edge cash solutions (possibly?)
- Replies: 38
- Views: 9123
Re: New Merrill Edge cash solutions (possibly?)
I’m not sure about world wide atm reimbursements but once you reach platinum honors BoA will reimburse atm fees for you for using other ATM’s. I suspect that only applies to withdrawals from Bank of America accounts, not Merrill Edge accounts. I agree that the checking capabilities are not as flexible as they are at Schwab or Fidelity, but I'm thinking it might make sense to keep most cash at Merrill Edge, where I can get a better money market rate, and keep a small amount at Fidelity for the occasional non-BofA ATM withdrawal. An alternative would be to keep using Fidelity for cash management and keep some of the cash in T-bills for better yield, but this is also a bit of hassle, and sometimes competitive muni money market funds beat T-bi...
- Sun Sep 29, 2019 4:20 am
- Forum: Personal Investments
- Topic: New Merrill Edge cash solutions (possibly?)
- Replies: 38
- Views: 9123
Re: New Merrill Edge cash solutions (possibly?)
I’m not sure about world wide atm reimbursements but once you reach platinum honors BoA will reimburse atm fees for you for using other ATM’s.
- Fri Sep 27, 2019 5:39 pm
- Forum: Personal Investments
- Topic: *
- Replies: 8
- Views: 1102
Re: Small Cap Value Portfolio Review
I would at least hold different funds in the taxable vs roth accounts so I could tax lost harvest. Maybe all emerging markets in a roth account and all small cap value in taxable. Perhaps one roth account all.
I don't tilt so I can't help you much I would at least make sure I could tax lost harvest every year.
I don't tilt so I can't help you much I would at least make sure I could tax lost harvest every year.
- Sun Sep 15, 2019 11:38 pm
- Forum: Investing - Theory, News & General
- Topic: S&P MidCap 400: Outperformance and Potential Applications
- Replies: 22
- Views: 4094
Re: S&P MidCap 400: Outperformance and Potential Applications
I have half of my U.S. equities in mid caps. Spilt between the S&P 400 and Mid cap value. I have enjoyed my mid cap performance too. I set this up several years again after reading about “Mels Unloved Mid Caps”.
- Thu Sep 12, 2019 3:43 am
- Forum: Personal Investments
- Topic: New Merrill Edge cash solutions (possibly?)
- Replies: 38
- Views: 9123
Re: New Merrill Edge cash solutions (possibly?)
So if one has $100,000 in cash which fund should they use? I'm a little confused trying to read that.
- Sat Jul 06, 2019 7:18 pm
- Forum: Investing - Theory, News & General
- Topic: No More Posts Of Larry Swedroe Essays [by Random Walker]
- Replies: 64
- Views: 9435
Re: No More Posts Of Larry Swedroe Essays
Wow... this sucks. I have learned a lot from reading his essays and I loved the post summaries you provided and the following discussions that ensued.
Just like in the real world this is the minority pushing their issues on the majority cuz it is what they want or feel should be.
Just like in the real world this is the minority pushing their issues on the majority cuz it is what they want or feel should be.
- Sun Jun 09, 2019 6:20 am
- Forum: Personal Investments
- Topic: Having both Vanguard Target and TIAA-CREF Lifecycle funds
- Replies: 16
- Views: 1738
Re: Having both Vanguard Target and TIAA-CREF Lifecycle funds
student wrote: ↑Sun Jun 09, 2019 5:36 amAt 0.1% ER, it has to be index and OP's one has index in its name.Culbretd wrote: ↑Sun Jun 09, 2019 4:43 am Check the underlying funds in the TIAA lifecycle fund. TIAA has 2 lifecycle funds but only one uses index funds while the other lifecycle fund is loaded with TIAA actively managed funds. If yours is the index version it should say so in the name ... example TIAA Lifecyle Index 2045 or so.
My wifes 401(a) did not offer the index version and upon looking at the funds inside her lifecycle they were all TIAA actively managed funds.
Reading this at 5:00am the morning I must have missed the word index in there. Lol
- Sun Jun 09, 2019 4:43 am
- Forum: Personal Investments
- Topic: Having both Vanguard Target and TIAA-CREF Lifecycle funds
- Replies: 16
- Views: 1738
Re: Having both Vanguard Target and TIAA-CREF Lifecycle funds
Check the underlying funds in the TIAA lifecycle fund. TIAA has 2 lifecycle funds but only one uses index funds while the other lifecycle fund is loaded with TIAA actively managed funds. If yours is the index version it should say so in the name ... example TIAA Lifecyle Index 2045 or so.
My wifes 401(a) did not offer the index version and upon looking at the funds inside her lifecycle they were all TIAA actively managed funds.
My wifes 401(a) did not offer the index version and upon looking at the funds inside her lifecycle they were all TIAA actively managed funds.
- Fri Jun 07, 2019 6:15 pm
- Forum: Personal Investments
- Topic: How is Merrill Edge?
- Replies: 64
- Views: 10429
Re: How is Merrill Edge?
Go on... We are looking to buy a house within a year or 2.softwaregeek wrote: ↑Fri Jun 07, 2019 5:33 pm I should also add that for high dollar Merrill edge customers you can get a way under market mortgage.
- Thu Jun 06, 2019 2:22 am
- Forum: Personal Investments
- Topic: TSP Loan for Real Estate Investment
- Replies: 18
- Views: 1114
Re: TSP Loan for Real Estate Investment
Don't do anything with partners especially with real estate. Why not? Been there done that. What is one of you guys wants to sell because some life events happens and you now need money. Who will be collecting the rent money every month and be responsible for spitting the money between you guys. Two people can have very different ideas about budget and how to remodel a property or how much to charge for rent. I have a couple of rental houses with someone and I would not do it again. One of you guys will be doing the majority of the work and repairs. Also my wife was diagnosed with a disease and now I see myself needing extra cash for things and would like to sell all my rental properties and now I’m having to convince my partner of this. I...
- Wed Jun 05, 2019 4:57 pm
- Forum: Personal Investments
- Topic: TSP Loan for Real Estate Investment
- Replies: 18
- Views: 1114
Re: TSP Loan for Real Estate Investment
Don't do anything with partners especially with real estate.
- Sat May 25, 2019 7:15 am
- Forum: Personal Investments
- Topic: 457b or Brokerage?
- Replies: 23
- Views: 3316
Re: 457b or Brokerage?
Use the 457 account
- Tue May 21, 2019 5:46 am
- Forum: Investing - Theory, News & General
- Topic: Mid Caps have outperformed Large & Small for the past 50 years. Yet I see very little recommendation for them. Why?
- Replies: 81
- Views: 15501
Re: Mid Caps have outperformed Large & Small for the past 50 years. Yet I see very little recommendation for them. Why?
This is the first time I've seen the view that mid aps outperform, is there a link to the original thread? Curious about this, but isn't it similar to stock picking instead of just holding whole market? Also if mid caps perform well don't they just become large caps and drop out of the index? And also since they have done so well in the past 20 years would that mean the future returns are expected to be lower/ revert to the mean and small/ large cap may outperform next? Not necessarily... companies like Domino's pizza will prolly always be mid caps. Few companies do what Amazon and Facebook and Google did and just keep growing. The s&p 500 is built in sectors so the committee only choices so many technology companies to let in and only...
- Mon May 20, 2019 4:10 pm
- Forum: Personal Investments
- Topic: MidCap Tax Efficient ?
- Replies: 5
- Views: 885
Re: MidCap Tax Efficient ?
Vanguard ETFs are pretty tax efficient. I hold midcaps in my taxable and have been very pleased with them.
- Thu May 09, 2019 3:37 am
- Forum: Personal Investments
- Topic: Small Cap vs Mid Cap for long term holding?
- Replies: 10
- Views: 3074
Re: Small Cap vs Mid Cap for long term holding?
- Wed May 08, 2019 2:15 am
- Forum: Personal Investments
- Topic: Small Cap vs Mid Cap for long term holding?
- Replies: 10
- Views: 3074
Re: Small Cap vs Mid Cap for long term holding?
Search the board for Mel’s Unloved Mid caps.
I tilt toward mid caps. Mid caps have paid off handsomely too. Dropped all my small caps and went with mid caps. S&P 400
I tilt toward mid caps. Mid caps have paid off handsomely too. Dropped all my small caps and went with mid caps. S&P 400
- Wed Apr 24, 2019 5:10 pm
- Forum: Personal Investments
- Topic: Dump international?
- Replies: 228
- Views: 22390
Re: Dump international?
I have maintained a 15% allocation to International equities for about 11 years now and it has been an appalling drag on my returns. Looking at some charts now, VXUS has underperformed VTI by approximately 50% over the last five years, and 15 % over the past 12 months. I am thinking strongly of throwing in the towel for international in my retirement accounts (about half of my international holdings), converting to domestic equities. Would be interested to hear from others who agree or disagree with this move. Dump them. I’m bonds plus US equity, the water is fine. Use bonds w/ AA for volatility control not international equities IMO. For the International bulls: exactly how many decades of unlikely levels of outperformance will it take to...
- Wed Apr 24, 2019 5:06 pm
- Forum: Personal Investments
- Topic: Dump international?
- Replies: 228
- Views: 22390
Re: Dump international?
I have maintained a 15% allocation to International equities for about 11 years now and it has been an appalling drag on my returns. Looking at some charts now, VXUS has underperformed VTI by approximately 50% over the last five years, and 15 % over the past 12 months. I am thinking strongly of throwing in the towel for international in my retirement accounts (about half of my international holdings), converting to domestic equities. Would be interested to hear from others who agree or disagree with this move. Dump them. I’m bonds plus US equity, the water is fine. Use bonds w/ AA for volatility control not international equities IMO. For the International bulls: exactly how many decades of unlikely levels of outperformance will it take to...
- Wed Apr 24, 2019 3:06 pm
- Forum: Personal Investments
- Topic: Dump international?
- Replies: 228
- Views: 22390
Re: Dump international?
I have maintained a 15% allocation to International equities for about 11 years now and it has been an appalling drag on my returns. Looking at some charts now, VXUS has underperformed VTI by approximately 50% over the last five years, and 15 % over the past 12 months. I am thinking strongly of throwing in the towel for international in my retirement accounts (about half of my international holdings), converting to domestic equities. Would be interested to hear from others who agree or disagree with this move. Dump them. I’m bonds plus US equity, the water is fine. Use bonds w/ AA for volatility control not international equities IMO. For the International bulls: exactly how many decades of unlikely levels of outperformance will it take to...
- Wed Apr 24, 2019 2:55 pm
- Forum: Personal Investments
- Topic: Russell 1000 Growth as Core holding?
- Replies: 5
- Views: 1112
Re: Russell 1000 Growth as Core holding?
I would not do it. What happens when growth is out of favor again and value is back on top. You can tilt to growth if you want but the s&p 500 index needs to be your core. Don't sleep on the s&p 400 index either. Mid caps have done excpectionally well the past 30 to 40 years.
- Thu Apr 18, 2019 7:52 pm
- Forum: Investing - Theory, News & General
- Topic: In which companies do you own a single share, or token amount, of stock?
- Replies: 119
- Views: 12168
Re: In which companies do you own a single share, or token amount, of stock?
I have some SiriusXm stock.
- Thu Apr 18, 2019 1:28 pm
- Forum: Personal Investments
- Topic: Roth or Traditional 457B with Pension
- Replies: 20
- Views: 1948
Re: Roth or Traditional 457B with Pension
I'm in a similar situation. One thing to keep in mind that I just found out yesterday is with Roth 457b you can't draw off of earnings before 59.5 without being penalized. So if you were looking to bridge between 55 and 59.5 then traditional would be the way to go. Or split between the two. Don't believe this is the case. As long as the account has been established for 5 years, contribs AND earnings are tax free at that age. Also, a 457b plan is accessible upon separation from employer at any age. https://www.irs.gov/retirement-plans/retirement-plans-faqs-on-designated-roth-accounts#21 You can’t access your earnings of a Roth 457 til after 59.5. You can get your contributions back penalty free upon separation. For this reason i went pretax...
- Wed Mar 20, 2019 4:45 pm
- Forum: Investing - Theory, News & General
- Topic: Three-Fund Portfolio (2nd Grader's) vs S&P 500
- Replies: 39
- Views: 7621
Re: Three-Fund Portfolio (2nd Grader's) vs S&P 500
Buffet did not start out with nothing. Where did you get that info?FelixTheCat wrote: ↑Wed Mar 20, 2019 12:21 pm Buffett started out with nothing, becomes a multi billionaire through investing and recommends Vanguard's S&P 500. You need to decide if his investing style is for you.
Edit:
Well maybe I'm wrong. He was operating a pinball machine business at 15. He was taught by Benjamin Graham after all about investing so he did have a leg up on others.
- Wed Mar 13, 2019 12:16 pm
- Forum: Investing - Theory, News & General
- Topic: Mid Cap Index instead of Total Stock Market in Portfolio
- Replies: 50
- Views: 6872
Re: Mid Cap Index instead of Total Stock Market in Portfolio
If you believe in Mid caps I would just overweight them. After reading and googling Mel’s Unloved Midcaps I decided to tilt heavily toward them myself. Still have my S&p 500 fund though.
Also why did you pick the CRSP index over the S&p 400 index. Make sure you know the difference in the market capitalizations. I personally went with the S&p 400 fund.
Also why did you pick the CRSP index over the S&p 400 index. Make sure you know the difference in the market capitalizations. I personally went with the S&p 400 fund.
- Mon Mar 04, 2019 5:21 pm
- Forum: Personal Investments
- Topic: Is the VALIC 403b any good?
- Replies: 28
- Views: 5752
Re: Is the VALIC 403b any good?
My wife has SC 457 plan and we are 100% VIIIX in it. Pick and dont look back. Same performance as the total market index.
- Mon Feb 25, 2019 3:10 am
- Forum: Personal Investments
- Topic: VTSAX at Merrill Edge
- Replies: 47
- Views: 15759
Re: VTSAX at Merrill Edge
Just tried a test order and it did pop up with the transaction fee. Hmmm..... strange. Wonder why they keep going back and forth on this.Earl Lemongrab wrote: ↑Sun Feb 24, 2019 11:49 pmI just checked mine:
My guess would be that it took a while to get caught up as to what would or would not be on the NTF list. I'll stick with ETFs.Quantity: $3,000.00
Dividend Reinvestment: Cash
Estimated Order Amount: $3,000.00
Transaction Fee: $19.95
Estimated Total: $3,019.95
- Sun Feb 24, 2019 11:35 pm
- Forum: Personal Investments
- Topic: VTSAX at Merrill Edge
- Replies: 47
- Views: 15759