Bogleheads.org

alex123711

Greetings fellow Bogleheads! I wanted to share an update on what direction I ended up taking in an effort to hopefully double my salary, eventually. First and foremost, I'd like to especially thank BlueCable, Klangfool, and Grt2bOutdoors for their critical influence and input. Also, everyone else h...

alex123711

A lot of resources say you should rebalance your allocation e.g 70/30 stocks/ bonds quarterly or annually etc. However how necessary is this? Is holding a few years worth of cash/ bonds a viable alternative? As rebalancing a portfolio incurs brokerage fees and taxes on any capital gains Holding "a ...

alex123711

A lot of resources say you should rebalance your allocation e.g 70/30 stocks/ bonds quarterly or annually etc. However how necessary is this? Is holding a few years worth of cash/ bonds a viable alternative? As rebalancing a portfolio incurs brokerage fees and taxes on any capital gains

alex123711

Thanks for the replies, what about amounts above the concessional cap? Is it better to make non concessional contributions up to the 100k limit?

alex123711

Compound wrote: ↑
Wed Jan 15, 2020 6:27 pm
What is “superannuation?”

I think it's similiar to a Roth but your employer contributes as well

alex123711

Debating whether I should keep buying the index or do the same within super for the less tax on cap gains, any advice/ opinions on this matter? I'm currently in my early 30's

alex123711

Should non Americans also be overweight US stocks? Or does this only apply to domestic investors? Also how do you adjust allocations say you are 50/50 and U.S has a big year, do you sell some U.S and buy more INT to get back to 50/50?

alex123711

I'm still a little unsure of what allocation I should give to International VS U.S: I have read into some of the comments and posts (including from Bogle, Buffet and JL Collins) about only owning US stocks and no need for international other than maybe a small percentage, and it does make sense to m...

alex123711

I have read into some of the comments and posts (including from Bogle, Buffet and JL Collins) about only owning US stocks and no need for international other than maybe a small percentage, and it does make sense to me, however the problem is I am not American and do not live in America. So how does ...

alex123711

Since it is a company that owns good companies, acquired at good valuations, chosen by probably the best investor ever and has a good track record, being too big is making it harderto keep increasing value, but even with that issue surely it would be better to only own quality stocks than some of th...

alex123711

Easier to read with new lines Fixed income/cash 20% VAF (Vanguard Australian Fixed Interest Rate ETF) 5% cash Equities 25% VTS (Vanguard U.S Total Market) 25% VEU (Vanguard All-World ex-US) 25% VGAD (Vanguard MSCI Index International Shares (Hedged)) for currency risk Looks good to me. Comments 1. ...

alex123711

Just looking for some comments on my portfolio holdings and allocations i've decided on: Fixed income/cash 20% VAF (Vanguard Australian Fixed Interest Rate ETF) 5% cash Equities 25% VTS (Vanguard U.S Total Market) 25% VEU (Vanguard All-World ex-US) 25% VGAD (Vanguard MSCI Index International Shares ...

alex123711

Are FSS and Sunsuper still the best options? I'm currently with hostplus, considering moving to sunsuper to recreate a vanguard index, is it worth moving and what what are the recommended options within FSS/ Sunsuper? I would ideally like to be atleast 90% stocks and high international allocation. ...

alex123711

Are you still better off buying bonds than leaving in a high interest account at these low interest rates?

alex123711

Those that are saying the 7% assumption is being overly optimistic, isn't that less than the historic average? Obviously doesn't mean it's guaranteed but I don't think it's that unrealistic either.

alex123711

Are FSS and Sunsuper still the best options? I'm currently with hostplus, considering moving to sunsuper to recreate a vanguard index, is it worth moving and what what are the recommended options within FSS/ Sunsuper? I would ideally like to be atleast 90% stocks and high international allocation.

alex123711

Anyone able to comment?

alex123711

Curious what did you end up deciding OP? Or are there any others here that changed career to accounting later in life?

alex123711

How do you account for unexpected events in asset allocation, for example if you had an illness or went back to school for a few years or are planning to, would you need to change your asset allocation for the expected or unexpected drawdowns required? What sort of allocation would be advised for t...

alex123711

I have superannuation in the form of a defined benefit plan which gives you a pension at retirement age (similiar to annuities) rather than an accumulation fund, which makes it a bit difficult to work out estimates like using the 4% rule, any ideas how to calculate this? You are getting answers tha...

alex123711

I have superannuation in the form of a defined benefit plan which gives you a pension at retirement age (similiar to annuities) rather than an accumulation fund, which makes it a bit difficult to work out estimates like using the 4% rule, any ideas how to calculate this?

alex123711

How do you account for unexpected events in asset allocation, for example if you had an illness or went back to school for a few years or are planning to, would you need to change your asset allocation for the expected or unexpected drawdowns required? What sort of allocation would be advised for th...

alex123711

Are midcaps still undervalued, and isn't tilting a form or stock picking/ market timing?

alex123711

How do you adjust the firecalc results for inflation? For e.g say it says your portfolio will be 1million in 30 years, however in 30 years 1million won't have the same purchasing power as it does now, From the results page: values are in terms of the dollars as of the beginning of the retirement pe...

alex123711

How do you adjust the firecalc results for inflation? For e.g say it says your portfolio will be 1million in 30 years, however in 30 years 1million won't have the same purchasing power as it does now, would you just adjust the end figure by average inflation say 2.5% compounded to get the amount in ...

alex123711

Any recommendations for some good quality work/ dress shoes? I'm not really too sure what to look for or where to look but i'd like some nice/ good quality shoes any ideas on what brands etc to look for?

alex123711

It is similiar to an annuity I believe: "Defined benefit funds are superannuation funds where contributions are pooled rather than being allocated to particular members. These are more common for public sector or government employees. Retirement benefits are determined by a formula based on factors ...

alex123711

UpperNwGuy wrote: ↑
Mon Dec 23, 2019 9:04 pm
I ignore P/E ratios. I invest in VTSAX on the first of every month.

That would be ideal, however I haven't started doing this until the last few years so have a lump sum to invest

alex123711

As the P/E ratio for the index is higher than the average, I'm wondering what the average returns are going forward when investing at higher P/E ratio's, and whether it makes sense to not invest at higher ratio's?

alex123711

Just wondering what others have as their portfolio construction and why.

alex123711

Any thoughts on having Vanguard International Fixed Interest Index (VIF) in your portfolio?

alex123711

Thanks for the replies, so say I decide on a bond allocation, I've decided on a high bond allocation due to markets being overvalued etc. Would it make sense to break down the equities as 30% VTS, 30% VEU, 30%, VGAD? Or 50% VEU, 25% VTS and VGAD?

alex123711

I have decided on a portfolio of: Vanguard Australian Fixed interest (VAF), Vanguard MSCI index international shares (VGS), Vanguard MSCI International Index hedged (VGAD), VANGUARD U.S total market (VTS), Vanguard all world ex U.S (VEU). I decided to have VTS and VEU for the broader exposure and lo...

alex123711

student wrote: ↑
Wed Oct 16, 2019 10:13 am
I would also dollar average in to the market and I would do it over 12 months. This is purely for psychological reasons. (Research shows that lump sum usually perform better.)

But the times that it doesn't perform better are when there has been a bull market and or high valuations, like now.

alex123711

For e.g the U.K has the 3rd highest weight but is the 7th largest market according to index mundi

alex123711

How does vanguard decide the percentage weightings per country for all world and/ or international indexes? It doesn't seem to be by market cap?

alex123711

Good idea for to mention what the ticker symbols are so non-Australian people (who have an enormous amount of valuable input here) can also offer their thoughts. -------------------------- VAF - Australian aggregate bonds (mostly govt with some high quality corporate) VTS - US market VEU - ex-US ma...

alex123711

I've pretty much settled on a VAF, VEU, VTS, VAE portfolio for more diversity and less costs than VGS, however not too sure how I should hedge for currency risk, especially since the AUD is pretty low at the moment, is VGAD the best way to do this, are there other options? How much should I have? Ed...

alex123711

I have updated my original to include further information 4. If you have $200k to invest, I would not go with ETFs. I would call Vanguard and request that you can have access to their wholesale funds. They've allowed investors with $100k to invest in their wholesale funds (which are minimum $500k)....

alex123711

I would be interested to hear Warren buffets opinion on this, if he has made one?

alex123711

[Merged here -- mod oldcomputerguy] “The bubble in passive investing through ETFs and index funds as well as the trend to very large size among asset managers has orphaned smaller value-type securities globally,” Burry, whose Cupertino, California-based firm oversees about $343 million, wrote in an...

alex123711

Just wondering if bonds are still worthwhile upgrading in Australia or since interest rates are a bit higher here (still only 3%). Are you better off putting money into a HSA and getting 3% or a vanguard bond index.

alex123711

Is the only reason people on here advocate 70/30 or higher because of past data/ returns, yet as everyone mentions; past returns do not predict future returns?

alex123711

I have just finished reading the latest edition of random walk down wall street, and in the last chapter it suggests investors own a 'significant portion' of emerging markets index funds going forward, better better valuations such as CAPE and younger populations, how much would a significant portio...

alex123711

What would he recommend non U.S investors do?

alex123711

You often see the quotes 'past performance does not indicate future performance' and 'nobody knows nothing' on this forum, however in practice aren't most on this forum ignoring their own advice? Most are invested in U.S equities which in the past has produced the best results, but if that is the sa...

alex123711

What's the correlation between u.s stocks and international stocks? Is it worth increasing international allocation ?

alex123711

I think a problem with software engineering is there isn't really a professional registration like CPA for accounting and similar for engineering/ law for e.g so probably easier to lay older people off, however the post above kindof shows that's not always the case..

alex123711

Sorry I meant all time highs in price not yield ( looking at the chart)

alex123711

Thanks for your reply, VAF/ VGB are around their all time highs, which is one reason making me consider international bonds aswell

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