Search found 140 matches

by alex123711
Wed Feb 19, 2020 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Invest in career change to Accounting for 37 yr old? Would it be foolish?
Replies: 166
Views: 11789

Re: Invest in career change to Accounting for 37 yr old? Would it be foolish?

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...
by alex123711
Sat Feb 08, 2020 1:19 am
Forum: Investing - Theory, News & General
Topic: Is Rebalancing Necessary?
Replies: 20
Views: 1598

Re: Is Rebalancing Necessary?

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 ...
by alex123711
Fri Feb 07, 2020 8:54 am
Forum: Investing - Theory, News & General
Topic: Is Rebalancing Necessary?
Replies: 20
Views: 1598

Is Rebalancing Necessary?

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
by alex123711
Wed Jan 15, 2020 9:45 pm
Forum: Non-US Investing
Topic: Should buy index or contribute more to superannuation?
Replies: 13
Views: 915

Re: Should buy index or contribute more to superannuation?

Thanks for the replies, what about amounts above the concessional cap? Is it better to make non concessional contributions up to the 100k limit?
by alex123711
Wed Jan 15, 2020 6:44 pm
Forum: Non-US Investing
Topic: Should buy index or contribute more to superannuation?
Replies: 13
Views: 915

Re: Should buy index or contribute more to superannuation?

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
by alex123711
Wed Jan 15, 2020 6:21 pm
Forum: Non-US Investing
Topic: Should buy index or contribute more to superannuation?
Replies: 13
Views: 915

Should buy index or contribute more to superannuation?

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
by alex123711
Sun Jan 12, 2020 1:15 am
Forum: Investing - Theory, News & General
Topic: Vanguard Total International Stock Index Fund
Replies: 69
Views: 5053

Re: Vanguard Total International Stock Index Fund

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?
by alex123711
Sat Jan 11, 2020 9:15 pm
Forum: Non-US Investing
Topic: Portfolio Advice (Australia)
Replies: 10
Views: 818

Re: Portfolio Advice (Australia)

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...
by alex123711
Sat Jan 11, 2020 8:35 pm
Forum: Non-US Investing
Topic: Does "No need for international" only apply to Americans?
Replies: 26
Views: 1947

Does "No need for international" only apply to Americans?

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 ...
by alex123711
Sat Jan 11, 2020 8:33 pm
Forum: Investing - Theory, News & General
Topic: How is Berkshire Hathaway stock NOT a better investment than the index?
Replies: 43
Views: 6249

How is Berkshire Hathaway stock NOT a better investment than the index?

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...
by alex123711
Sat Jan 11, 2020 1:34 am
Forum: Non-US Investing
Topic: Portfolio Advice (Australia)
Replies: 10
Views: 818

Re: Portfolio Advice (Australia)

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. ...
by alex123711
Thu Jan 09, 2020 6:32 pm
Forum: Non-US Investing
Topic: Portfolio Advice (Australia)
Replies: 10
Views: 818

Portfolio Advice (Australia)

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 ...
by alex123711
Thu Jan 09, 2020 6:59 am
Forum: Non-US Investing
Topic: Australian Superannuation Funds with Index Investing: Costs and Choice
Replies: 21
Views: 2363

Re: Australian Superannuation Funds with Index Investing: Costs and Choice

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. ...
by alex123711
Wed Jan 08, 2020 9:14 pm
Forum: Personal Investments
Topic: Bonds vs. Savings Account
Replies: 42
Views: 5253

Re: Bonds vs. Savings Account

Are you still better off buying bonds than leaving in a high interest account at these low interest rates?
by alex123711
Wed Jan 08, 2020 7:04 pm
Forum: Personal Investments
Topic: I don't want to save too much.
Replies: 96
Views: 8026

Re: I don't want to save too much.

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.
by alex123711
Wed Jan 08, 2020 6:13 am
Forum: Non-US Investing
Topic: Australian Superannuation Funds with Index Investing: Costs and Choice
Replies: 21
Views: 2363

Re: Australian Superannuation Funds with Index Investing: Costs and Choice

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.
by alex123711
Mon Jan 06, 2020 9:12 pm
Forum: Non-US Investing
Topic: Defined benefit vs Accumulation superannuation?
Replies: 12
Views: 1440

Re: Defined benefit vs Accumulation superannuation?

Anyone able to comment?
by alex123711
Mon Jan 06, 2020 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Invest in career change to Accounting for 37 yr old? Would it be foolish?
Replies: 166
Views: 11789

Re: Invest in career change to Accounting for 37 yr old? Would it be foolish?

Curious what did you end up deciding OP? Or are there any others here that changed career to accounting later in life?
by alex123711
Sun Jan 05, 2020 7:11 pm
Forum: Personal Investments
Topic: Asset allocation for unexpected events?
Replies: 6
Views: 638

Re: Asset allocation for unexpected events?

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...
by alex123711
Sun Jan 05, 2020 7:09 pm
Forum: Personal Investments
Topic: How to incorporate pensions/ annuities into the 4% rule?
Replies: 12
Views: 1290

Re: How to incorporate pensions/ annuities into the 4% rule?

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...
by alex123711
Sun Jan 05, 2020 7:43 am
Forum: Personal Investments
Topic: How to incorporate pensions/ annuities into the 4% rule?
Replies: 12
Views: 1290

How to incorporate pensions/ annuities into the 4% rule?

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?
by alex123711
Sun Jan 05, 2020 7:14 am
Forum: Personal Investments
Topic: Asset allocation for unexpected events?
Replies: 6
Views: 638

Asset allocation for unexpected events?

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...
by alex123711
Thu Jan 02, 2020 7:03 pm
Forum: Investing - Theory, News & General
Topic: Mel's Unloved Mid-Caps Finally Getting Some Respect
Replies: 80
Views: 14075

Re: Mel's Unloved Mid-Caps Finally Getting Some Respect

Are midcaps still undervalued, and isn't tilting a form or stock picking/ market timing?
by alex123711
Mon Dec 30, 2019 6:11 pm
Forum: Personal Investments
Topic: Fun with FIRECalc
Replies: 31
Views: 3252

Re: Fun with FIRECalc

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...
by alex123711
Mon Dec 30, 2019 2:37 am
Forum: Personal Investments
Topic: Fun with FIRECalc
Replies: 31
Views: 3252

Re: Fun with FIRECalc

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 ...
by alex123711
Sun Dec 29, 2019 9:55 pm
Forum: Personal Consumer Issues
Topic: Good quality work/ dress shoes?
Replies: 23
Views: 1496

Good quality work/ dress shoes?

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?
by alex123711
Sun Dec 29, 2019 5:58 pm
Forum: Non-US Investing
Topic: Defined benefit vs Accumulation superannuation?
Replies: 12
Views: 1440

Re: Defined benefit vs Accumulation superannuation?

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 ...
by alex123711
Mon Dec 23, 2019 11:53 pm
Forum: Personal Investments
Topic: Indexing at high P/E ratio's?
Replies: 13
Views: 1087

Re: Indexing at high P/E ratio's?

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
by alex123711
Mon Dec 23, 2019 7:51 pm
Forum: Personal Investments
Topic: Indexing at high P/E ratio's?
Replies: 13
Views: 1087

Indexing at high P/E ratio's?

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?
by alex123711
Sun Dec 08, 2019 7:43 pm
Forum: Non-US Investing
Topic: What's in your portfolio? (Australia)
Replies: 3
Views: 476

What's in your portfolio? (Australia)

Just wondering what others have as their portfolio construction and why.
by alex123711
Sun Dec 08, 2019 7:32 pm
Forum: Non-US Investing
Topic: Which Vanguard Bonds? (Australia)
Replies: 8
Views: 871

Re: Which Vanguard Bonds? (Australia)

Any thoughts on having Vanguard International Fixed Interest Index (VIF) in your portfolio?
by alex123711
Wed Nov 13, 2019 5:53 am
Forum: Non-US Investing
Topic: Portfolio Review (Australia)
Replies: 4
Views: 459

Re: Portfolio Review (Australia)

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?
by alex123711
Tue Nov 12, 2019 9:15 pm
Forum: Non-US Investing
Topic: Portfolio Review (Australia)
Replies: 4
Views: 459

Portfolio Review (Australia)

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...
by alex123711
Wed Oct 16, 2019 5:42 pm
Forum: Personal Investments
Topic: Cash basically sitting uninvested. What to do?
Replies: 47
Views: 6913

Re: Cash basically sitting uninvested. What to do?

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.
by alex123711
Sun Oct 13, 2019 9:31 pm
Forum: Investing - Theory, News & General
Topic: All world index country weight allocations?
Replies: 5
Views: 664

Re: All world index country weight allocations?

For e.g the U.K has the 3rd highest weight but is the 7th largest market according to index mundi
by alex123711
Sun Oct 13, 2019 8:29 pm
Forum: Investing - Theory, News & General
Topic: All world index country weight allocations?
Replies: 5
Views: 664

All world index country weight allocations?

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?
by alex123711
Sat Oct 12, 2019 1:12 am
Forum: Non-US Investing
Topic: Australian Portfolio
Replies: 6
Views: 656

Re: Australian Portfolio

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...
by alex123711
Thu Oct 10, 2019 7:33 pm
Forum: Non-US Investing
Topic: Australian Portfolio
Replies: 6
Views: 656

Australian Portfolio

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...
by alex123711
Thu Oct 10, 2019 6:57 pm
Forum: Non-US Investing
Topic: Australia - Please help me with my first portfolio
Replies: 14
Views: 4777

Re: Australia - Please help me with my first portfolio

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)....
by alex123711
Thu Sep 19, 2019 12:19 am
Forum: Investing - Theory, News & General
Topic: Index Funds Bubble? [Michael Burry article]
Replies: 252
Views: 31574

Re: Index Funds Bubble? [Michael Burry article]

I would be interested to hear Warren buffets opinion on this, if he has made one?
by alex123711
Thu Aug 29, 2019 11:02 am
Forum: Investing - Theory, News & General
Topic: Index Funds Bubble? [Michael Burry article]
Replies: 252
Views: 31574

The Big Short’s Michael Burry Sees a Bubble in Passive Investing

[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...
by alex123711
Mon Aug 12, 2019 6:09 pm
Forum: Non-US Investing
Topic: Bonds vs High Interest Savings Accounts (Australia)
Replies: 2
Views: 283

Bonds vs High Interest Savings Accounts (Australia)

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.
by alex123711
Wed Aug 07, 2019 9:47 pm
Forum: Investing - Theory, News & General
Topic: Is anyone running 50/50 stock bond who is younger?
Replies: 45
Views: 4820

Re: Is anyone running 50/50 stock bond who is younger?

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?
by alex123711
Sun Aug 04, 2019 9:00 am
Forum: Investing - Theory, News & General
Topic: Random walk down wall street recommends emerging markets?
Replies: 4
Views: 839

Random walk down wall street recommends emerging markets?

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...
by alex123711
Wed Jul 31, 2019 10:28 pm
Forum: Investing - Theory, News & General
Topic: Why Mr. Bogle prefers U.S stocks
Replies: 241
Views: 20234

Re: Why Mr. Bogle prefers U.S stocks

What would he recommend non U.S investors do?
by alex123711
Thu Jul 25, 2019 8:22 pm
Forum: Investing - Theory, News & General
Topic: The Single Greatest Predictor of Future Stock Market Returns
Replies: 84
Views: 18236

Re: The Single Greatest Predictor of Future Stock Market Returns

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...
by alex123711
Wed Jul 24, 2019 9:35 pm
Forum: Investing - Theory, News & General
Topic: The Single Greatest Predictor of Future Stock Market Returns
Replies: 84
Views: 18236

Re: The Single Greatest Predictor of Future Stock Market Returns

What's the correlation between u.s stocks and international stocks? Is it worth increasing international allocation ?
by alex123711
Tue Jul 16, 2019 3:37 am
Forum: Personal Finance (Not Investing)
Topic: Invest in career change to Accounting for 37 yr old? Would it be foolish?
Replies: 166
Views: 11789

Re: Invest in career change to Accounting for 37 yr old? Would it be foolish?

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..
by alex123711
Sun Jul 14, 2019 11:53 pm
Forum: Non-US Investing
Topic: Which Vanguard Bonds? (Australia)
Replies: 8
Views: 871

Re: Which Vanguard Bonds? (Australia)

Sorry I meant all time highs in price not yield ( looking at the chart)
by alex123711
Sun Jul 14, 2019 10:27 pm
Forum: Non-US Investing
Topic: Which Vanguard Bonds? (Australia)
Replies: 8
Views: 871

Re: Which Vanguard Bonds? (Australia)

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