Search found 15 matches

by runyanorama
Thu Jul 23, 2020 6:01 pm
Forum: Personal Consumer Issues
Topic: Career / education Choices— Which Way to Go?
Replies: 6
Views: 793

Career / education Choices— Which Way to Go?

Good evening all, This might not be the best forum for a question like this, but y’all seem to be a rather sophisticated and experienced group of people so I thought I would ask for some advice— I’m a high school teacher who wants to go to graduate school in the next 1-2 years. I would prefer to tra...
by runyanorama
Fri Jun 05, 2020 12:03 am
Forum: Investing - Theory, News & General
Topic: Anybody do any GOOD timing the market?
Replies: 123
Views: 8391

Re: Anybody do any GOOD timing the market?

This is the dumbest of dumb luck, but I got into a gold ETF about a year-and-a-half ago. It’s about 8% of my holdings and I had only intended for it to serve as a non-correlated asset to my stocks and bonds. Now it’s at a seven-year high and is by far the best-performing part of my portfolio YTD. If...
by runyanorama
Tue May 26, 2020 12:48 am
Forum: Investing - Theory, News & General
Topic: Making the most of the Shiller-CAPE ratio?
Replies: 13
Views: 764

Making the most of the Shiller-CAPE ratio?

Dear Bogleheads, In a recent attempt to spend my quarantine time more fruitfully, I've been working my way through Coursera's class on financial markets taught by Robert Shiller. This inspired me to pick up a copy of his book "Irrational Exuberance" and introduced me to the CAPE method for...
by runyanorama
Tue May 26, 2020 12:29 am
Forum: Personal Investments
Topic: Is financial modeling overrated?
Replies: 9
Views: 842

Is financial modeling overrated?

Dear Bogleheads, I've been lurking for quite awhile, enjoying your wise and trenchant observations on the economy and financial markets. It's a real privilege to be alive at a time where it's so easy to surround oneself with great minds. Lately I've been fooling around with Portfolio Visualizer's 'e...
by runyanorama
Sun Feb 09, 2020 6:54 pm
Forum: Investing - Theory, News & General
Topic: A Boglehead's Edward Jones Question
Replies: 46
Views: 4642

Re: A Boglehead's Edward Jones Question

I was approached a few years back with an opportunity to apply to become an Edward Jones broker. I quickly discovered that this would be a SALES job rather than a finance or investment analyst job, and I soon lost interest. They are only allowed to promote specific, actively-managed funds from speci...
by runyanorama
Sun Sep 15, 2019 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with a pay raise?
Replies: 4
Views: 765

What to do with a pay raise?

Dear Bogleheads, I just received a modest salary increase this year— not enough to dramatically change my financial situation, but enough that I feel I need to use it for something other than just “discretionary income.” I’d like some advice from you wise people. My situation is as follows: (1) 32 y...
by runyanorama
Mon May 27, 2019 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Need to go back to school, but afraid to stop working?
Replies: 8
Views: 938

Need to go back to school, but afraid to stop working?

Good evening Bogleheads, I'll apologize in advance if this isn't the correct forum for my topic. Here's my situation-- I'm a 32 year-old, unmarried High School teacher with no children. I love being in the classroom, but as you probably know, teacher salaries are notoriously low relative to the cost...
by runyanorama
Wed May 22, 2019 10:15 am
Forum: Personal Investments
Topic: Asset Allocation for HSA
Replies: 5
Views: 303

Re: Asset Allocation for HSA

EDIT: Forgot to add that I'm a single 32 year-old male, in relatively good health (only have to see a doctor 1-2 times a year for routine check-ups), and I don't have any children. I'm not sure if this makes a difference, but there ya go :sharebeer

Thanks in advance for any comments and advice!
by runyanorama
Wed May 22, 2019 10:12 am
Forum: Personal Investments
Topic: Asset Allocation for HSA
Replies: 5
Views: 303

Asset Allocation for HSA

Good morning fellow Bogleheads, I have been using a high-deductible health insurance plan and making contributions to a Health Savings Account (HSA), and my balance has reached the point where I am now eligible to begin investing my contributions in mutual funds. I like the idea of this and view it ...
by runyanorama
Sun May 12, 2019 3:36 pm
Forum: Investing - Theory, News & General
Topic: Asset allocation-- "splitting" VTSAX and VTIAX?
Replies: 5
Views: 1616

Asset allocation-- "splitting" VTSAX and VTIAX?

Good afternoon, dear Bogleheads-- I'm still a relatively new self-directed investor, but I've been trying to educate myself through an extensive reading program. As I have been working my way through William Bernstein's "The Four Pillars of Investing", I noticed that he advocates splitting...
by runyanorama
Mon Apr 29, 2019 8:34 pm
Forum: Personal Investments
Topic: Mixing Mutual Funds and ETFs?
Replies: 12
Views: 1105

Re: Mixing Mutual Funds and ETFs?

Can anyone give me a reason why I should NOT mix some ETFs in with my mutual funds to achieve a higher level of diversification? Mixing ETFs with mutual funds is fine if that's what you want. However, your premise is mistaken. Holding Total Stock Market, Total International Stock, and Total Bond Ma...
by runyanorama
Mon Apr 29, 2019 3:33 pm
Forum: Personal Investments
Topic: Mixing Mutual Funds and ETFs?
Replies: 12
Views: 1105

Re: Mixing Mutual Funds and ETFs?

It looks like you are trying to maintain the same funds and allocations across both of your ROTH accounts. If you look at your accounts as a whole, this is really not needed and you should be able to simplify the number of holdings, but this might be just mental accounting in your part. I stopped u...
by runyanorama
Mon Apr 29, 2019 12:01 pm
Forum: Personal Investments
Topic: Mixing Mutual Funds and ETFs?
Replies: 12
Views: 1105

Mixing Mutual Funds and ETFs?

Good morning! I'm a long-time Boglehead lurker and novice investor. I have to say, this forum has been one of my greatest discoveries on the Internet. The depth of knowledge and overall level of civility I see here is unparalleled anywhere else online. Thanks for all you do! My question is this-- Ca...
by runyanorama
Fri Jun 15, 2018 11:52 pm
Forum: Personal Investments
Topic: Supplementing a Target Date fund?
Replies: 20
Views: 2484

Re: Supplementing a Target Date fund?

Thanks to all for the responses-- I have plenty to read through here. I had been contemplating trying to 'tilt' my allocation a bit toward small-cap/value or perhaps even incorporate a REIT, but I think I'll just stick with my original VFFVX and resist the temptation to tinker with a good base portf...
by runyanorama
Tue May 29, 2018 7:54 pm
Forum: Personal Investments
Topic: Supplementing a Target Date fund?
Replies: 20
Views: 2484

Supplementing a Target Date fund?

Hello! I'm a new Boglehead and just purchased my first Vanguard fund in a Roth IRA-- the Target Date 2055 fund (VFFVX). I like its allocation of approx. 90% equity/10% bonds, and I REALLY like the fact that it re-balances over time, however-- I would like to incorporate a bit more risk and 'depth' i...