Search found 558 matches

by BoggledHead2
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...
by BoggledHead2
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...
by BoggledHead2
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?
by BoggledHead2
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...
by BoggledHead2
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
by BoggledHead2
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...
by BoggledHead2
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...
by BoggledHead2
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.
by BoggledHead2
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
by BoggledHead2
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...
by BoggledHead2
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
by BoggledHead2
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...
by BoggledHead2
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...
by BoggledHead2
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
by BoggledHead2
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
by BoggledHead2
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
by BoggledHead2
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...
by BoggledHead2
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
by BoggledHead2
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...
by BoggledHead2
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/
by BoggledHead2
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...
by BoggledHead2
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)
by BoggledHead2
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...
by BoggledHead2
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...
by BoggledHead2
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)
by BoggledHead2
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
by BoggledHead2
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...
by BoggledHead2
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...
by BoggledHead2
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

livesoft wrote: Sun Mar 22, 2020 2:29 pm
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.
As you noted, it is not 3/23 yet.
Just thrown off by the reinvest in 1 account ... my first time turning off autoreinvest as “rebalance time” approaches
by BoggledHead2
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 ...
by BoggledHead2
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 ?
by BoggledHead2
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...
by BoggledHead2
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
by BoggledHead2
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?
by BoggledHead2
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...
by BoggledHead2
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...
by BoggledHead2
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....
by BoggledHead2
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...
by BoggledHead2
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”....
by BoggledHead2
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
by BoggledHead2
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

Re: Where to park cash if we go to negative interest rates

Pikel wrote: Tue Mar 17, 2020 12:09 pm I think things are uncertain enough right now that we don't need to create more what-if scenarios.

Maybe a good time to turn off the computer and go for walk.
Best advice ever.

It amazes me how people actively seek things to worry about
by BoggledHead2
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.
by BoggledHead2
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...
by BoggledHead2
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 - ...
by BoggledHead2
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...
by BoggledHead2
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 - ...
by BoggledHead2
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...
by BoggledHead2
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...