Search found 5137 matches

by Triple digit golfer
Tue Jun 02, 2020 12:19 pm
Forum: Personal Investments
Topic: Naive Glide Path Question
Replies: 3
Views: 263

Re: Naive Glide Path Question

It assumes you invested the $10k one time and did not add to it or withdraw from it.
by Triple digit golfer
Tue Jun 02, 2020 9:41 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5869
Views: 499101

Re: U.S. stocks continue to soar!

We need an "International stocks continue to soar!" thread. Anybody? We tried that in 2017. The thread turned out as you can imagine and was hijacked into another U.S vs. Ex-U.S debate. Oh, come on! I can't imagine a simple discussion about international equities turning into a multiple-page debate...
by Triple digit golfer
Tue Jun 02, 2020 8:48 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5869
Views: 499101

Re: U.S. stocks continue to soar!

We need an "International stocks continue to soar!" thread. Anybody?
by Triple digit golfer
Mon Jun 01, 2020 8:14 am
Forum: Personal Investments
Topic: How to approach a friend: a first time investor bought a single stock
Replies: 43
Views: 2949

Re: How to approach a friend: a first time investor bought a single stock

I wouldn't say anything. He made his decision. If you sway him away, he sells, and that stock takes off (even if under performs the market), he won't be happy with you.
by Triple digit golfer
Sat May 30, 2020 4:40 pm
Forum: Personal Investments
Topic: Paying off debt with taxable account + EF
Replies: 39
Views: 1663

Re: Paying off debt with taxable account + EF

Bad idea to deplete an emergency fund. If you don't need it, different story.

What would happen if you depleted the emergency fund and the taxable account and lost your job and couldn't find employment for a year? If you are happy with the answer to that question, then by all means, go for it.
by Triple digit golfer
Sat May 30, 2020 2:10 pm
Forum: Investing - Theory, News & General
Topic: What Is the Stock Market Even for Anymore?
Replies: 25
Views: 3651

Re: What Is the Stock Market Even for Anymore?

Why do people continue to think that the value of a company is somehow tied solely to what has happened already? The value of a company is about the future. You don't buy the past or present. When you buy a house, do you care what roof or HVAC system was used for the past year or 20 years, or do you...
by Triple digit golfer
Sat May 30, 2020 1:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18850
Views: 2635113

Re: U.S. stocks in free fall

If one sold out of the S&P500 when Greenspan gave his famous irrational exuberance speech in Dec 1996 and waited for the "obvious" bubble to burst with a plan to buy back in at equities' current price point at that time (let alone a much lower price), they would have never re-entered the equities m...
by Triple digit golfer
Fri May 29, 2020 10:31 am
Forum: Personal Investments
Topic: Am I panicking or being prudent?
Replies: 57
Views: 4988

Re: Am I panicking or being prudent?

I think you're panicking, but maybe a shift to something a bit more conservative may be in order. Maybe 40/60 instead of 60/40. Let's just assume your annual expenses are 4% or $88,000 per year. So you start with $1.32 million in stocks and $880k in bonds per your original 60/40. Uh oh! Market crash...
by Triple digit golfer
Thu May 28, 2020 6:17 pm
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 195
Views: 12159

Re: S&P500 vs World Performance

"The proof is in the pudding" is an absolutely horrible way to invest. Isn't rule 1a of basically any reputable investing resource, "Past performance is no guarantee of future results?" The government even requires this disclosure. I don't care about pudding.
by Triple digit golfer
Thu May 28, 2020 6:12 pm
Forum: Personal Investments
Topic: Lump sum vs Dollar Cost Averaging during volatile market
Replies: 36
Views: 1714

Re: Lump sum vs Dollar Cost Averaging during volatile market

Why was this cash not invested already? Did you just come into it?
by Triple digit golfer
Thu May 28, 2020 2:06 pm
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 195
Views: 12159

Re: S&P500 vs World Performance

Let me sum up the arguments for all of us. Pro U.S. Only It has outperformed no matter what time period you look at, excluding those time periods when it hasn't. Jack and Warren said so. Half the revenue comes from overseas. I live here, I work here, I make my money here. My portfolio is much larger...
by Triple digit golfer
Thu May 28, 2020 1:07 pm
Forum: Personal Consumer Issues
Topic: Hiring a handyman
Replies: 23
Views: 1381

Re: Hiring a handyman

Maybe it'll be a few hundred more, who knows. Isn't "driving all over town to pick up the needed materials" part of what they do? Yes, it is part of what they do. But you are looking for someone who will complete all of those jobs, including running around picking up materials, in a day for $400. I...
by Triple digit golfer
Thu May 28, 2020 12:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5869
Views: 499101

Re: U.S. stocks continue to soar!

So do you need more equities to maintain your AA even with the market rallying? I am not understanding the continuing to buy statement. Continuing to buy as money comes in with each paycheck sounds pretty straightforward to me. It does, except with a 30+% rally off the bottom if someone rebalanced ...
by Triple digit golfer
Thu May 28, 2020 11:35 am
Forum: Personal Consumer Issues
Topic: Hiring a handyman
Replies: 23
Views: 1381

Re: Hiring a handyman

Thanks for all the posts, everybody!
by Triple digit golfer
Thu May 28, 2020 10:15 am
Forum: Personal Consumer Issues
Topic: Hiring a handyman
Replies: 23
Views: 1381

Re: Hiring a handyman

I know you said you're not interested in doing this yourself, but replacing weatherstripping and scraping out some grout and caulking from a tub should take about an hour total. I would do everything on your list myself, but if you want to hire someone, yes, it can be done in a day or day and a hal...
by Triple digit golfer
Thu May 28, 2020 10:02 am
Forum: Personal Consumer Issues
Topic: Hiring a handyman
Replies: 23
Views: 1381

Re: Hiring a handyman

-New front screen door -Replace weatherstripping on two other doors -Replace a few kitchen tiles on backsplash -Remove grout around bathtub and add caulk -Add shelf to pantry -Repair botched drywall job on a small ceiling area, about 2x2 feet. In my head, I am thinking all of this should be able to...
by Triple digit golfer
Thu May 28, 2020 9:50 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5869
Views: 499101

Re: U.S. stocks continue to soar!

Stocks are narrowly up as I type. Another up day is upon us. Is this still a “dead cat bounce”? At this point, the market is down 10% from all-time highs. It's noise to me. I continue to buy. Continue to buy? Why didn't you buy more when we were down more if you have the money? With equities rallyi...
by Triple digit golfer
Thu May 28, 2020 9:49 am
Forum: Personal Consumer Issues
Topic: Hiring a handyman
Replies: 23
Views: 1381

Re: Hiring a handyman

I would try to hire a carpenter vs. a handyman. The "handymen" here are mostly hacks that cause as many problems as they fix. $50 - $60 hour is the going rate here. Do your due diligence of course. Thanks, good advice. The guy I contacted comes highly recommended in my area and is actually a carpen...
by Triple digit golfer
Thu May 28, 2020 9:43 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5869
Views: 499101

Re: U.S. stocks continue to soar!

Stocks are narrowly up as I type. Another up day is upon us. Is this still a “dead cat bounce”? At this point, the market is down 10% from all-time highs. It's noise to me. I continue to buy. Continue to buy? Why didn't you buy more when we were down more if you have the money? With equities rallyi...
by Triple digit golfer
Thu May 28, 2020 9:41 am
Forum: Personal Consumer Issues
Topic: Hiring a handyman
Replies: 23
Views: 1381

Hiring a handyman

My wife and I have several things that we need to have done at home. We've never hired a handyman before, but I'm lazy and not overly handy and am not interested in making a weekend project out of anything. Is it insulting to ask a handyman to go to Home Depot and pick up all of the items needed, in...
by Triple digit golfer
Thu May 28, 2020 8:59 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5869
Views: 499101

Re: U.S. stocks continue to soar!

Stinky wrote:
Thu May 28, 2020 8:46 am
Stocks are narrowly up as I type. Another up day is upon us.

Is this still a “dead cat bounce”?
At this point, the market is down 10% from all-time highs. It's noise to me. I continue to buy.
by Triple digit golfer
Thu May 28, 2020 6:03 am
Forum: Personal Investments
Topic: Tax-Exempt Bonds for Lower Tax Brackets
Replies: 21
Views: 1684

Re: Tax-Exempt Bonds for Lower Tax Brackets

I would probably use the taxable bond for the simple fact that I don't want a lot tied up in municipal bonds. Total bond is much more diversified. But I may just be ignorant and maybe that isn't a valid reason.
by Triple digit golfer
Wed May 27, 2020 8:33 pm
Forum: Investing - Theory, News & General
Topic: Stocks are dirt cheap vs. Bonds
Replies: 33
Views: 3626

Re: Stocks are dirt cheap vs. Bonds

Stocks are dirt cheap vs. Bonds? How does that logic work? Just because bond prices are high, that doesn't mean stock prices are lower. Stocks are just as risky as they always were. Are you saying that when bond prices where low, you were only willing to lose, say, 25% of your portfolio but now tha...
by Triple digit golfer
Wed May 27, 2020 8:16 pm
Forum: Personal Investments
Topic: If not 3 fund, whats your strategy ?
Replies: 66
Views: 4062

Re: If not 3 fund, whats your strategy ?

1 fund portfolio (target retirement). No need to tinker and risk behavioral mistakes when savings rate and market performance is all I am chasing! Ask yourself why market returns would outpace 80%+ of investors portfolios. Not clear what u mean by saying “ ask yourself why market returns would outp...
by Triple digit golfer
Wed May 27, 2020 7:34 pm
Forum: Personal Investments
Topic: If not 3 fund, whats your strategy ?
Replies: 66
Views: 4062

Re: If not 3 fund, whats your strategy ?

1 fund portfolio (target retirement). No need to tinker and risk behavioral mistakes when savings rate and market performance is all I am chasing! Ask yourself why market returns would outpace 80%+ of investors portfolios. I would use the one fund option, but my 401k has high fees for target fate f...
by Triple digit golfer
Wed May 27, 2020 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage rates headed lower?
Replies: 69
Views: 7281

Re: Mortgage rates headed lower?

Our mortgage is a 30 year fixed at 3.5% for our purchase made in 2016. I am shocked that I can't do a whole lot better than that on a refinance today. I'm not a market timer when investing, but I'm sitting tight on the mortgage until I can get 2.75% or lower on a 30 year with $0 fees. You sound exa...
by Triple digit golfer
Wed May 27, 2020 5:15 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5869
Views: 499101

Re: U.S. stocks continue to soar!

Stef wrote:
Wed May 27, 2020 5:07 pm
Is there a correlation between stock market returns and Falcon 9 launches?
Probably more correlation than stocks and bitcoin.
by Triple digit golfer
Wed May 27, 2020 5:13 pm
Forum: Personal Investments
Topic: [How do I make a 3-fund portfolio for my 401(k)?]
Replies: 16
Views: 830

Re: [How do I make a 3-fund portfolio for my 401(k)?]

Do you have other accounts, such as IRAs or a taxable investment account? I have Roth IRA account (with 4/1 ratio allocated to FZROX and FZILX, respectively). Taxable account not yet. I am first trying to increase my 401k contributions (I am "just" contributing a bit more than the max to get the em...
by Triple digit golfer
Wed May 27, 2020 4:43 pm
Forum: Personal Investments
Topic: Should I lump sum some money today?
Replies: 24
Views: 2470

Re: Should I lump sum some money today?

Preparing for the worst I held back my regularly bi-weekly contributions to VTSAX in my taxable account as of a couple of months ago. I've got about $15K in my settlement account now that is burning a hole in my pocket. Was expecting the S&P500 to go back down to the ~2600 level which never happene...
by Triple digit golfer
Wed May 27, 2020 4:11 pm
Forum: Personal Investments
Topic: [How do I make a 3-fund portfolio for my 401(k)?]
Replies: 16
Views: 830

Re: [How do I make a 3-fund portfolio for my 401(k)?]

I second everything that ruralavalon said.

Do you have other accounts, such as IRAs or a taxable investment account?
by Triple digit golfer
Wed May 27, 2020 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage rates headed lower?
Replies: 69
Views: 7281

Re: Mortgage rates headed lower?

Our mortgage is a 30 year fixed at 3.5% for our purchase made in 2016. I am shocked that I can't do a whole lot better than that on a refinance today. I'm not a market timer when investing, but I'm sitting tight on the mortgage until I can get 2.75% or lower on a 30 year with $0 fees.
by Triple digit golfer
Wed May 27, 2020 9:34 am
Forum: Personal Investments
Topic: growth+value=>s&p
Replies: 9
Views: 632

Re: growth+value=>s&p

https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2020&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=1&annualAdjustment=1000&inflationAdjusted=true&annualPercentage=0.0&frequency=2&rebalanceType=1&abs...
by Triple digit golfer
Wed May 27, 2020 6:32 am
Forum: Personal Investments
Topic: growth+value=>s&p
Replies: 9
Views: 632

Re: growth+value=>s&p

https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2020&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=1&annualAdjustment=1000&inflationAdjusted=true&annualPercentage=0.0&frequency=2&rebalanceType=1&abso...
by Triple digit golfer
Wed May 27, 2020 6:09 am
Forum: Investing - Theory, News & General
Topic: Are we better off now than Dec 2018?
Replies: 237
Views: 15527

Re: Are we better off now than Dec 2018?

Still not trying to call the bottom, just have a firm belief that the Market will have another leg down (minimum) before we are past this. Discussion back and forth thru short term gyrations is probably not as useful. My thesis and my point is still why someone would pay more than they would in Dec...
by Triple digit golfer
Tue May 26, 2020 7:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5869
Views: 499101

Re: U.S. stocks continue to soar!

I stopped contributing any new money since March 2nd... There's your problem. Keep investing money regularly, no matter what, through ups and downs. It will pay off in the end. I always champion auto-investing because it takes the emotion out. You don’t have to consider whether you should wait a co...
by Triple digit golfer
Tue May 26, 2020 1:55 pm
Forum: Personal Investments
Topic: Rebalancing - More VTSAX, less VBTLX
Replies: 18
Views: 753

Re: Rebalancing - More VTSAX, less VBTLX

Thanks for the reply. I hear what you're saying. This is what I was getting at when I started by saying I'm continuing to dive deeper and have a better understanding of what I'm doing. I've recently read a few more books and my take away is that I'm willing to take more risk. So this decision is tr...
by Triple digit golfer
Tue May 26, 2020 1:23 pm
Forum: Personal Investments
Topic: Rebalancing - More VTSAX, less VBTLX
Replies: 18
Views: 753

Re: Rebalancing - More VTSAX, less VBTLX

Wasn't thinking about this in March. Wish I had been So are you guys suggesting I leave everything as is? I'm suggesting that you have a plan and stick to it. You should not make a change just because stocks are cheaper. You should have an asset allocation that you are comfortable holding in all ma...
by Triple digit golfer
Tue May 26, 2020 1:16 pm
Forum: Personal Investments
Topic: Rebalancing - More VTSAX, less VBTLX
Replies: 18
Views: 753

Re: Rebalancing - More VTSAX, less VBTLX

theeryman wrote:
Tue May 26, 2020 1:15 pm
My thinking is that stocks are cheaper now, and there's more potential upside with those. I could be totally wrong in my approach here.
Why March?
Because in March the market was 25% lower than it is now.

What was your thinking in March?
by Triple digit golfer
Tue May 26, 2020 12:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5869
Views: 499101

Re: U.S. stocks continue to soar!

I am an accumulator. The last thing I'd want is a market that is 30-50% or more below its all time highs. That likely comes packaged with high uncertainty, potential hiring freezes, layoffs, and all sorts of other bad things for an accumulator. You can't accumulate if you have nothing to add to you...
by Triple digit golfer
Tue May 26, 2020 12:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5869
Views: 499101

Re: U.S. stocks continue to soar!

I am an accumulator. The last thing I'd want is a market that is 30-50% or more below its all time highs. That likely comes packaged with high uncertainty, potential hiring freezes, layoffs, and all sorts of other bad things for an accumulator. You can't accumulate if you have nothing to add to your...
by Triple digit golfer
Tue May 26, 2020 10:34 am
Forum: Personal Investments
Topic: Air conditioner stocks
Replies: 27
Views: 1786

Re: Air conditioner stocks

Why do you think that nobody else knows the same things that you know? People use more air conditioning every summer. Do you see an increased performance in those stocks relative to the market every summer? Are you also going to buy stock in companies like Coca Cola and Pepsi, who sell bottled wate...
by Triple digit golfer
Tue May 26, 2020 10:32 am
Forum: Personal Investments
Topic: Should I lump sum some money today?
Replies: 24
Views: 2470

Re: Should I lump sum some money today?

I think you're looking for confirmation that lump summing today is the right move. I think most will agree that now is always the right time to invest money that is to be invested.
by Triple digit golfer
Mon May 25, 2020 9:37 pm
Forum: Personal Investments
Topic: [UPDATE] My asset allocation & Total int'l stock index?
Replies: 30
Views: 1903

Re: Adding more funds to the S&P 500 Index Fund?

Thank you Taylor, I just finished your book last weekend and I really like the idea of a three-fund portfolio. Actually, my allocation strategy follows this idea but with some minor tweaks given that my tax-deferred account doesn't offer any total US stock index fund, which is substituted by S&P 50...
by Triple digit golfer
Mon May 25, 2020 8:17 pm
Forum: Personal Investments
Topic: [UPDATE] My asset allocation & Total int'l stock index?
Replies: 30
Views: 1903

Re: Adding more funds to the S&P 500 Index Fund?

Thank you Taylor, I just finished your book last weekend and I really like the idea of a three-fund portfolio. Actually, my allocation strategy follows this idea but with some minor tweaks given that my tax-deferred account doesn't offer any total US stock index fund, which is substituted by S&P 50...
by Triple digit golfer
Mon May 25, 2020 8:12 pm
Forum: Personal Investments
Topic: Should all international go in Roth?
Replies: 7
Views: 544

Re: Should all international go in Roth?

1. The high dividend yields which incur ordinary income tax rates (due to them being non-qualified) and the foreign tax credit that you would receive -- would most likely cancel each other out. 2. International equities are lagging their US counterparts by a country mile over the past 12 years. Eve...
by Triple digit golfer
Mon May 25, 2020 5:00 pm
Forum: Personal Investments
Topic: Taxable account has higher returns?
Replies: 18
Views: 1525

Re: Taxable account has higher returns?

Everything is correct except the title. You get the returns of whatever you invest in regardless of which account type. In a taxable account, you pay taxes on capital gains and dividend distributions, so your return is lowered by the tax on those.
by Triple digit golfer
Mon May 25, 2020 3:53 pm
Forum: Personal Investments
Topic: Air conditioner stocks
Replies: 27
Views: 1786

Re: Air conditioner stocks

Why do you think that nobody else knows the same things that you know? People use more air conditioning every summer. Do you see an increased performance in those stocks relative to the market every summer? Are you also going to buy stock in companies like Coca Cola and Pepsi, who sell bottled water...
by Triple digit golfer
Mon May 25, 2020 3:14 pm
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 195
Views: 12159

Re: S&P500 vs World Performance

Total world market index funds are currently 57% US and 43% non-US. I can understand if someone said they wanted to invest 57% of their stocks in the US market, and the rest in an international fund. And *maintain* that fixed allocation. But I have a hard time understanding the logic of a total wor...
by Triple digit golfer
Mon May 25, 2020 3:03 pm
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 195
Views: 12159

Re: S&P500 vs World Performance

Information technology makes up 25.7% of the S&P 500, and health care makes up 15.4%. If you own a S&P 500 fund then you are heavily invested in information technology and health care. If either or both of these sectors underperforms a less heavily weighted sector in the future, how will that turn ...
by Triple digit golfer
Mon May 25, 2020 2:03 pm
Forum: Investing - Theory, News & General
Topic: Value of Liquidity
Replies: 12
Views: 745

Re: Value of Liquidity

I greatly value liquidity. That doesn't mean cash. We have a taxable account equal to about 3 years of expenses. Only a couple months of expenses is in cash. The rest is in equity index funds. I hold bonds in tax deferred accounts.