Search found 558 matches
- Wed Sep 30, 2020 6:10 am
- Forum: Personal Finance (Not Investing)
- Topic: Buying a House
- Replies: 3
- Views: 549
Buying a House
0 Debt; Is there an ideal calculator and/or advice for helping determine the price range we can "afford"? I've seen the debt/income rations and I've run the basic numbers, just wondering if Bogleheads has a more stringent measure. Thank you for any additional information you can provide. H...
- Mon Jul 06, 2020 12:52 pm
- Forum: Personal Investments
- Topic: 401K / New Job
- Replies: 5
- Views: 392
401K / New Job
Hello, I will be transitioning to new job. With regards to 401K from previous employer, Would transferring to traditional IRA be best option for simplicity / managing multiple accounts? Any additional information regarding transfers, taxation, etc. would be greatly appreciated. I am under the impres...
- Wed Jun 17, 2020 3:26 pm
- Forum: Personal Investments
- Topic: Ditching International
- Replies: 274
- Views: 16425
Re: Ditching International
SP500/US down slightly
INT up slightly
not a life-changing swing by any means, but a lovely reminder of why I keep both. risk adjusted returns, ya dig?
INT up slightly
not a life-changing swing by any means, but a lovely reminder of why I keep both. risk adjusted returns, ya dig?
- Mon Jun 15, 2020 11:50 am
- Forum: Personal Investments
- Topic: Ditching International
- Replies: 274
- Views: 16425
Re: Ditching International
It’s pretty incredible that people still dismiss International despite periods of time International has outperformed, as well as the changing global landscape China/Asia are laying down infrastructure with manufacturing already in place to eventually became the world’s #1 economy ... but hey, US ha...
- Fri Apr 10, 2020 10:04 am
- Forum: Personal Investments
- Topic: Diversification
- Replies: 40
- Views: 2334
Re: Diversification
You should own 2 or 3 funds
1. A Total US Index + A Total INT Index
2. A Total World Index
I don’t understand why people make this anymore complicated
1. A Total US Index + A Total INT Index
2. A Total World Index
I don’t understand why people make this anymore complicated
- Fri Apr 10, 2020 10:01 am
- Forum: Personal Investments
- Topic: TLH and rethinking international
- Replies: 15
- Views: 789
Re: TLH and rethinking international
Recency Bias at its finest My own research fortunately coincides with what the experts at Vanguard / others recommend, and that’s a 60/40 US/INT allocation The blind allegiance to US markets always outperforming - despite several examples of the contrary - is interesting. Then there’s the whole “ris...
- Thu Apr 09, 2020 3:59 pm
- Forum: Investing - Theory, News & General
- Topic: Head Fakes and Dead Cats .. your thoughts on the rally?
- Replies: 386
- Views: 33274
Re: Head Fakes and Dead Cats .. your thoughts on the rally?
Now that my emergency fund is where I need it, I’m simply tuning out and on Fridays checking to see what my AA is at. Whatever is lagging, gets the extra money when I have it ... I let the market itself dictate where to put my money, not try and time it. Good luck making any move tomorrow (good Fri...
- Thu Apr 09, 2020 3:02 pm
- Forum: Investing - Theory, News & General
- Topic: Head Fakes and Dead Cats .. your thoughts on the rally?
- Replies: 386
- Views: 33274
Re: Head Fakes and Dead Cats .. your thoughts on the rally?
Now that my emergency fund is where I need it, I’m simply tuning out and on Fridays checking to see what my AA is at.
Whatever is lagging, gets the extra money when I have it ... I let the market itself dictate where to put my money, not try and time it.
Whatever is lagging, gets the extra money when I have it ... I let the market itself dictate where to put my money, not try and time it.
- Wed Apr 08, 2020 1:30 pm
- Forum: Personal Consumer Issues
- Topic: Make Clorox Spray Instead of Lysol Spray
- Replies: 77
- Views: 5790
Re: Make Clorox Spray Instead of Lysol Spray
Wash your hands
- Fri Apr 03, 2020 8:38 am
- Forum: Personal Investments
- Topic: Best 5-10yr Investments?
- Replies: 5
- Views: 628
Re: Best 5-10yr Investments?
Asking for a friend ...
This is literally the exact opposite of what to come to this board for.
Money on the sidelines? Buy more Total US/INT Index
This is literally the exact opposite of what to come to this board for.
Money on the sidelines? Buy more Total US/INT Index
- Thu Apr 02, 2020 10:14 am
- Forum: Personal Investments
- Topic: Does anyone else just not care/worry?
- Replies: 139
- Views: 10096
Re: Does anyone else just not care/worry?
No, a lot of those that died were very old and/or significantly health impaired. There’s a reason the same virus has little/no effect on most “victims”. and sorry, didn’t mean you directly - more of the collective human nature to panic Good luck out there I'm not sure that is holding. Not all death...
- Thu Apr 02, 2020 9:47 am
- Forum: Personal Investments
- Topic: Anyone here depressed just looking at their portfolio?
- Replies: 122
- Views: 7741
Re: Anyone here depressed just looking at their portfolio?
Very simple solution:
Stop looking OR Look & Buy More/Rebalance
Stop looking OR Look & Buy More/Rebalance
- Thu Apr 02, 2020 9:46 am
- Forum: Personal Investments
- Topic: Does anyone else just not care/worry?
- Replies: 139
- Views: 10096
Re: Does anyone else just not care/worry?
I would like to know what variable (s) cause someone to have zero or mild symptoms vs die quickly. That is the worry (if any). Money doesn't matter if you are dead. I would like to know what percentage of covid-19 cases that go on a ventilator recover. It seems to be a small percentage if you get t...
- Thu Apr 02, 2020 9:12 am
- Forum: Personal Investments
- Topic: Does anyone else just not care/worry?
- Replies: 139
- Views: 10096
Re: Does anyone else just not care/worry?
I would like to know what variable (s) cause someone to have zero or mild symptoms vs die quickly. That is the worry (if any). Money doesn't matter if you are dead. I would like to know what percentage of covid-19 cases that go on a ventilator recover. It seems to be a small percentage if you get t...
- Thu Apr 02, 2020 9:09 am
- Forum: Personal Investments
- Topic: Does anyone else just not care/worry?
- Replies: 139
- Views: 10096
Re: Does anyone else just not care/worry?
I don’t care or worry about things out of my control
All I can control is my savings rate and asset allocation in this arena ... so that’s all I “worry” about
Governments will print money to prop up this “free market” charade, long term it’ll go up (if it isn’t, the world is ending), whatever
All I can control is my savings rate and asset allocation in this arena ... so that’s all I “worry” about
Governments will print money to prop up this “free market” charade, long term it’ll go up (if it isn’t, the world is ending), whatever
- Tue Mar 31, 2020 7:18 pm
- Forum: Personal Investments
- Topic: Rebalancing thoughts for this current market
- Replies: 8
- Views: 953
Re: Rebalancing thoughts for this current market
It’s adorable how people dance around market timing
- Sun Mar 29, 2020 11:09 am
- Forum: Personal Investments
- Topic: Market panics a time for introspection
- Replies: 10
- Views: 1300
Re: Market panics a time for introspection
I bought more
I guess my asset allocation is appropriate - which is all that is necessary
I guess my asset allocation is appropriate - which is all that is necessary
- Sat Mar 28, 2020 3:50 pm
- Forum: Personal Investments
- Topic: Share what worked in your plan during the crisis
- Replies: 103
- Views: 7320
Re: Share what worked in your plan during the crisis
Being honest about my risk tolerance Having an honest / appropriate asset allocation Referring back to those 2 things and rebalancing accordingly. All I worry about is my behavior and my savings rate - I can’t control anything else, so I don’t waste time worrying about anything else. 38% of my gross...
- Sat Mar 28, 2020 12:07 pm
- Forum: Personal Investments
- Topic: Lump sum or DCA $30,000 in a volatile market?
- Replies: 43
- Views: 2861
Re: Lump sum or DCA $30,000 in a volatile market?
Do ... both
Lump sum 20K, DCA 10K into it
Your ump sum amount goes up = awesome, that 20k increased in value
Your lump sum amount goes down = awesome, my DCA is lowering my cost basis and scooping up cheaper shares
Done & done
Lump sum 20K, DCA 10K into it
Your ump sum amount goes up = awesome, that 20k increased in value
Your lump sum amount goes down = awesome, my DCA is lowering my cost basis and scooping up cheaper shares
Done & done
- Tue Mar 24, 2020 4:12 pm
- Forum: US Chapters
- Topic: [Archived] Bogleheads community discussion - Coronavirus
- Replies: 4963
- Views: 199845
Re: Bogleheads community discussion - Coronavirus
https://www.marketwatch.com/story/nobel-prize-winner-shares-some-good-news-about-the-coronavirus-pandemic-2020-03-23 https://nypost.com/2020/03/24/coronavirus-turning-point-in-us-will-be-earlier-than-predicted-nobel-laureate-says/ the end is (maybe) near How's that working out in Italy? https://www...
- Tue Mar 24, 2020 4:11 pm
- Forum: US Chapters
- Topic: [Archived] Bogleheads community discussion - Coronavirus
- Replies: 4963
- Views: 199845
Re: Bogleheads community discussion - Coronavirus
People will be out in droves as soon as shelter/shutdown orders are eased, don't be naive
https://www.washingtonpost.com/nation/2 ... -closures/
https://www.washingtonpost.com/nation/2 ... -closures/
- Tue Mar 24, 2020 4:06 pm
- Forum: US Chapters
- Topic: [Archived] Bogleheads community discussion - Coronavirus
- Replies: 4963
- Views: 199845
Re: Bogleheads community discussion - Coronavirus
https://www.marketwatch.com/story/nobel-prize-winner-shares-some-good-news-about-the-coronavirus-pandemic-2020-03-23 https://nypost.com/2020/03/24/coronavirus-turning-point-in-us-will-be-earlier-than-predicted-nobel-laureate-says/ the end is (maybe) near How's that working out in Italy? https://www...
- Tue Mar 24, 2020 3:47 pm
- Forum: US Chapters
- Topic: [Archived] Bogleheads community discussion - Coronavirus
- Replies: 4963
- Views: 199845
- Tue Mar 24, 2020 12:38 pm
- Forum: Personal Finance (Not Investing)
- Topic: Receiving dividend and feeling good
- Replies: 33
- Views: 2717
Re: Receiving dividend and feeling good
You are essentially getting paid for owning a fund/stock
it's mindblowing how anyone could skew this as a negative - this is my first go around of accepting in cash to rebalance and thrilled about the timing (although the market can chill on the 9% run ups until Friday)
it's mindblowing how anyone could skew this as a negative - this is my first go around of accepting in cash to rebalance and thrilled about the timing (although the market can chill on the 9% run ups until Friday)
- Mon Mar 23, 2020 6:51 pm
- Forum: Investing - Theory, News & General
- Topic: Are we better off now than Dec 2018?
- Replies: 288
- Views: 24204
Re: Are we better off now than Dec 2018?
We can discuss when to get back in later. Now is the time to get out if you haven’t already . If I was happy to be in 2018, 2017, 2016, etc, why do I need to get out? I have more shares now than I did in the past. And I can collect even more now buying at these prices. The only time that price matt...
- Mon Mar 23, 2020 1:17 pm
- Forum: Personal Investments
- Topic: Anyone else increasing their equity allocation?
- Replies: 28
- Views: 3056
Re: Anyone else increasing their equity allocation?
My AA automatically increases equity allocation as my portfolio size goes down (and vice versa when it goes up). So yes, with the market moving down, my AA has slowly increased equity allocation. This is all in my IPS and uses a formula to calculate AA based on portfolio size, so it's not me changi...
- Sun Mar 22, 2020 10:26 pm
- Forum: Personal Investments
- Topic: Re-Balancing Question regarding international
- Replies: 3
- Views: 290
Re: Re-Balancing Question regarding international
14% is nothing
Vanguard target date fund for 20+ year horizons are like 60% US, 40% INT
(Your equity portion is pretty much in line with this ... as is mine)
Vanguard target date fund for 20+ year horizons are like 60% US, 40% INT
(Your equity portion is pretty much in line with this ... as is mine)
- Sun Mar 22, 2020 10:22 pm
- Forum: Personal Investments
- Topic: My first tax loss harvest
- Replies: 5
- Views: 315
Re: My first tax loss harvest
Thanks
Looks like I’m just gonna keep buying and lower the cost basis ... much simpler
Looks like I’m just gonna keep buying and lower the cost basis ... much simpler
- Sun Mar 22, 2020 6:50 pm
- Forum: Personal Investments
- Topic: My first tax loss harvest
- Replies: 5
- Views: 315
Re: My first tax loss harvest
Don't know the Total US dividend date nor whether you are automatically reinvesting dividends, both of which affect the second question. Dividends aside, your example in the first question would be a successful TLH. It would also change your asset allocation, but that's a different issue. If i have...
- Sun Mar 22, 2020 6:39 pm
- Forum: Personal Investments
- Topic: My first tax loss harvest
- Replies: 5
- Views: 315
My first tax loss harvest
I’ll have around 3K in losses is tomorrow goes as planned ... can I TLH this while converting a portion of the fund to another fund? Like, exchange 3K of Total US (Tax loss harvest) and exange into/purchase Total INT? Will recent/upcoming dividends impact this move? Should I wait until both funds se...
- Sun Mar 22, 2020 2:54 pm
- Forum: Personal Investments
- Topic: Dividend Posted to only 1 account
- Replies: 8
- Views: 366
Re: Dividend Posted to only 1 account
Just thrown off by the reinvest in 1 account ... my first time turning off autoreinvest as “rebalance time” approacheslivesoft wrote: ↑Sun Mar 22, 2020 2:29 pmAs you noted, it is not 3/23 yet.BoggledHead2 wrote: ↑Sun Mar 22, 2020 2:08 pmReinvest posted as of 3/20, payable date says 3/23
[...]
Perhaps the reinvest posted a day sooner, as technically “payable” day is tomorrow.
- Sun Mar 22, 2020 2:08 pm
- Forum: Personal Investments
- Topic: Dividend Posted to only 1 account
- Replies: 8
- Views: 366
Re: Dividend Posted to only 1 account
Did the reinvest happen Friday? I seem to recall that reinvestment happens a day before you would receive the dividend otherwise. Maybe you'll have a gift waiting for you tomorrow. Reinvest posted as of 3/20, payable date says 3/23 My plan was to take the dividends from my funds and direct them to ...
- Sun Mar 22, 2020 12:26 pm
- Forum: Personal Investments
- Topic: Dividend Posted to only 1 account
- Replies: 8
- Views: 366
Dividend Posted to only 1 account
My Roth is autoreinvest, dividend posted / reinvested
Same fund; taxable account - no dividend yet
I have reinvest in Roth and not reinvested in taxable (I use taxable to rebalance) ... did I mess up by not making both not autoreinvest ?
Same fund; taxable account - no dividend yet
I have reinvest in Roth and not reinvested in taxable (I use taxable to rebalance) ... did I mess up by not making both not autoreinvest ?
- Fri Mar 20, 2020 11:53 pm
- Forum: Personal Investments
- Topic: Dividends Total Us/Total International
- Replies: 3
- Views: 318
Re: Dividends Total Us/Total International
3/19 is the record date. Details are on the Vanguard distribution site. https://investor.vanguard.com/mutual-funds/list#/mutual-funds/name/distributions Thank you, I assume “Payable Date 3.23” is when it should appear in account First time turning off autoreinvest to rebalance so a little more mind...
- Fri Mar 20, 2020 11:38 pm
- Forum: Personal Investments
- Topic: changing asset allocation "on the dips"
- Replies: 2
- Views: 263
Re: changing asset allocation "on the dips"
Pick an AA, the market does the rest
You’re just trying to market time - without saying market timing
You’re just trying to market time - without saying market timing
- Fri Mar 20, 2020 11:35 pm
- Forum: Personal Investments
- Topic: Dividends Total Us/Total International
- Replies: 3
- Views: 318
Dividends Total Us/Total International
Anyone know when dividends should be received/posted into our accounts? Could’ve sworn INT was due 3.19 and haven’t seen it posted
Are dividends cut due to CoronaCrisis2020?
Are dividends cut due to CoronaCrisis2020?
- Thu Mar 19, 2020 8:37 am
- Forum: Personal Investments
- Topic: Tax Loss Harvesting Basics
- Replies: 4
- Views: 292
Tax Loss Harvesting Basics
Long term horizon is TLH always a no brainer, or does this just delay taxes and its more prudent to keep buying into cheaper shares with longer horizon? 10K in “losses” - just been buying more when I can to reduce average cost basis (i know spec Id if i were to harvest) Torn on whether to use the lo...
- Wed Mar 18, 2020 7:58 pm
- Forum: Personal Investments
- Topic: Why is this a bad idea?
- Replies: 3
- Views: 402
Re: Why is this a bad idea?
What you need to actually be doing is continuing to buy more I can’t wait to get paid on Friday and do exactly this I have 10+ years to ride this out ... and these events have been a lovely reminder of why 10-20 years from now my AA will look drastically different If you have a long tine horizon, yo...
- Tue Mar 17, 2020 5:28 pm
- Forum: US Chapters
- Topic: [Archived] Bogleheads community discussion - Coronavirus
- Replies: 4963
- Views: 199845
Re: Optimism amongst the panic and worry
I thought it might be nice to start a thread that contains some good thoughts, hope and optimism that things will get better. This is not meant to be a downplaying of the current crisis, or a dismissal of some people's dire situation or even concerns. And it is definitely not a place for fake news....
- Tue Mar 17, 2020 5:26 pm
- Forum: Investing - Theory, News & General
- Topic: International is in meltdown
- Replies: 308
- Views: 23030
Re: International is in meltdown
Never shows up! Yes, it does. See the lost decade. Annualized Return, 2000-2009 US -1.0% Developed +1.2% Total Int +2.3% EM 9.8% I guess it's something but pretty modest. And while EM did relatively well that decade, I suspect many EM investors did poorly in terms of dollar-weighted return. Not sug...
- Tue Mar 17, 2020 1:55 pm
- Forum: Personal Investments
- Topic: I guess 100% stocks is right for me
- Replies: 53
- Views: 4259
Re: I guess 100% stocks is right for me
You're still young and accumulating so 100% equities is probably fine. But would you feel the same if your portfolio drops to $50k? Nothing really I could do then at that point. If it dropped that much I’d just continue to accumulate. The market for me is like a “long term high yield bank account”....
- Tue Mar 17, 2020 1:51 pm
- Forum: Investing - Theory, News & General
- Topic: What is your AA, given your age ? and this crisis ?
- Replies: 173
- Views: 10803
Re: What is your AA, given your age ? and this crisis ?
100/0, 8 months expenses in emergency fund cash
20+ year investing horizon ... throwing next paycheck back into market
20+ year investing horizon ... throwing next paycheck back into market
- Tue Mar 17, 2020 1:00 pm
- Forum: Personal Investments
- Topic: Where to park cash if we go to negative interest rates
- Replies: 45
- Views: 5238
- Tue Mar 17, 2020 12:34 pm
- Forum: Investing - Theory, News & General
- Topic: Was there any escape? when diversification did not work
- Replies: 98
- Views: 5599
Re: Was there any escape? when diversification did not work
thanks for reminding me while my "bond" portion will always just be in CD ladders or high yield savings
when all the haters can mention is "inflation" - i know it's the right move.
when all the haters can mention is "inflation" - i know it's the right move.
- Tue Mar 17, 2020 12:16 pm
- Forum: Personal Consumer Issues
- Topic: If I get coronavirus, how can I protect the rest of my household?
- Replies: 14
- Views: 1045
Re: If I get coronavirus, how can I protect the rest of my household?
The same things you do when you’ve had the flu (Not making light of things, it’s the truth) This pandemic is really bringing to light all things people should’ve been doing in the first place - first and foremost: Stay home when not feeling well Used to drive me insane when people would come into th...
- Tue Mar 17, 2020 10:54 am
- Forum: Investing - Theory, News & General
- Topic: Why do people say "its only on paper, its not a real loss"
- Replies: 142
- Views: 7637
Re: Why do people say "its only on paper, its not a real loss"
And no, a loss is only a loss when you sell and it becomes a loss. Strongly disagree. Strongly don’t care. About my current balance - since everything I have invested is not something I’ll be touching for 20 years If January 2020 was the peak of human economic performance and the world is ending - ...
- Tue Mar 17, 2020 10:37 am
- Forum: Investing - Theory, News & General
- Topic: Is there a single person on here that thinks Coronavirus is going to have a material impact on [earnings]
- Replies: 117
- Views: 9903
Re: Is there a single person on here that thinks Coronavirus is going to have a material impact on [earnings]
on the overall amount of 2022 or 2023 corporate earnings? Outside of an industry like cruise ships, I don’t see this having a material impact long term. If so, why does the market/investors care so much? I get that we are going to have a bad quarter or two, maybe even longer, but long term I see th...
- Tue Mar 17, 2020 10:07 am
- Forum: Investing - Theory, News & General
- Topic: Why do people say "its only on paper, its not a real loss"
- Replies: 142
- Views: 7637
Re: Why do people say "its only on paper, its not a real loss"
And no, a loss is only a loss when you sell and it becomes a loss. Strongly disagree. Strongly don’t care. About my current balance - since everything I have invested is not something I’ll be touching for 20 years If January 2020 was the peak of human economic performance and the world is ending - ...
- Tue Mar 17, 2020 10:05 am
- Forum: Personal Consumer Issues
- Topic: Take out food vs COVID 19
- Replies: 95
- Views: 6760
Re: Take out food vs COVID 19
Ok you guess, debating and arguing isn't my thing. Don't get take out then. Don't eat any produce or fresh fruit either. Simply washing your hands or fruit and produce with any soap is very effective with this virus - it is quite weak when it comes to many simple methods of disposal. Thank you! Thi...
- Tue Mar 17, 2020 10:03 am
- Forum: Personal Consumer Issues
- Topic: Take out food vs COVID 19
- Replies: 95
- Views: 6760
Re: Take out food vs COVID 19
Everyone needs to stay inside , regardless of age, unless absolutely necessary... This is a huge overreaction. It is not a zombie apocalypse. It is perfectly OK to go outside! This really has gotten out of control People acting like their flesh will melt off if they step foot outside. Absolutely in...