Search found 7918 matches

by Triple digit golfer
Sun Aug 01, 2021 10:34 am
Forum: Investing - Theory, News & General
Topic: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown
Replies: 44
Views: 2326

Re: Fidelity Total Market in taxable - FZROX (ZERO) vs. FSKAX (Total Market) SmackDown

Aside from your analysis, which appears solid to me at first read, I would probably not use the zero funds anyway. FSKAX has been around for 24 years and has an excellent record of doing what it is supposed to do for an almost free 0.015% fee. I would gladly pay that before investing in the zero fun...
by Triple digit golfer
Fri Jul 30, 2021 3:08 pm
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19379

Re: Thinking of Dropping Out of International Stock Funds

Robot Monster wrote: Fri Jul 30, 2021 1:54 pm
JamalJones wrote: Fri Jul 30, 2021 1:50 pm You neglected this one, mate!: viewtopic.php?t=256423
Thank you! Updated my list. link
Fantastic list. Thank you for your service!
by Triple digit golfer
Fri Jul 30, 2021 1:42 pm
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19379

Re: Thinking of Dropping Out of International Stock Funds

I do annual evaluations of my portfolio, and if I see that a fund under performed from the previous year I look for a replacement fund with a better performance. If none exist I stick with the original fund. I do triennial evaluations of my portfolio, and if I see that a fund underperformed I add m...
by Triple digit golfer
Fri Jul 30, 2021 8:05 am
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19379

Re: Thinking of Dropping Out of International Stock Funds

Not sure who is performance chasing here then. We're talking about US vs ex-US, but both are B&H. The person who wrote they will buy EX-US if EX-US starts performing better. Yes, if after a period of time I see a fund begin to perform better I will add it to my portfolio if it meets my long ter...
by Triple digit golfer
Thu Jul 29, 2021 7:10 pm
Forum: Investing - Theory, News & General
Topic: 4 Fund Portfolio vs 3 Fund Portfolio
Replies: 5
Views: 746

Re: 4 Fund Portfolio vs 3 Fund Portfolio

It had a similar return. That doesn't mean it will moving forward. Growth has outperformed value the last decade. I'm guessing that plus the long term treasury fund benefitting from falling interest rates benefitted that portfolio. Two things I would absolutely not count on going forward.
by Triple digit golfer
Thu Jul 29, 2021 12:49 pm
Forum: Personal Consumer Issues
Topic: Men - need boxer brief recommendations
Replies: 64
Views: 6123

Re: Men - need boxer brief recommendations

OK, it has been a few days, so surely someone has acted on this advice and is now wearing some new "boxer brief" underwear. What is the actual verdict for those that followed any of the recommendations in this thread and changed their underwear? I had Fruit of the Loom and Reebok before t...
by Triple digit golfer
Thu Jul 29, 2021 9:48 am
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19379

Re: Thinking of Dropping Out of International Stock Funds

I wouldn't want to have been an ex-U.S. only investor the last ten years. And over the next ten, it may flip the other way, where I wouldn't want to be a U.S. only investor. Why? Ex-US has a decent return doesn’t it? Just not as good as ours at the moment. If it flips and we’re running 5.39% real r...
by Triple digit golfer
Thu Jul 29, 2021 9:21 am
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19379

Re: Thinking of Dropping Out of International Stock Funds

I wouldn't want to have been an ex-U.S. only investor the last ten years. And over the next ten, it may flip the other way, where I wouldn't want to be a U.S. only investor. Why? Ex-US has a decent return doesn’t it? Just not as good as ours at the moment. If it flips and we’re running 5.39% real r...
by Triple digit golfer
Thu Jul 29, 2021 8:54 am
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19379

Re: Thinking of Dropping Out of International Stock Funds

There are periods where one or the other leads in performance. Picking a advantageous starting point to imply US trailed international for 20 years is disingenuous. Especially since it’s been pointed out several times. I actually think it was a totally fair point. While cherry picked begin/end date...
by Triple digit golfer
Wed Jul 28, 2021 5:18 pm
Forum: Investing - Theory, News & General
Topic: [Are You A Market Timer?]
Replies: 28
Views: 2369

Re: [Are Your A Market Timer?]

No, I'm not. I literally buy when I have the money into whatever is lagging in my AA. That's it.
by Triple digit golfer
Wed Jul 28, 2021 5:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 16841
Views: 1340023

Re: U.S. stocks continue to soar!

I never understood that. What if your portfolio is $1 million and $50k is funny money and it goes to zero and portfolio to $950k? Does that mean now $47.5k can now be funny money? It's a good question. My take is that there's no rebalancing in/out of Funny Money. If you lose 50K, that's it - no mor...
by Triple digit golfer
Wed Jul 28, 2021 5:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 16841
Views: 1340023

Re: U.S. stocks continue to soar!

i found powell's voice so calming, i almost thought i was in a guided meditation with the subliminal message of buy stocks, buy stocks, buy stocks. Are you going to shift your AA from 20/80 then? I think about it all the time. For the first time I have about 50% of my Roth in stock. Went from 0 to ...
by Triple digit golfer
Wed Jul 28, 2021 1:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 16841
Views: 1340023

Re: U.S. stocks continue to soar!

Vtsax100 wrote: Wed Jul 28, 2021 1:15 pm I just pushed the button on 40K sell of vtsax to vbtlx to get back to my AA. So that will determine how today ends. To my disadvantage of course.
So far you're getting a nice little pop.
by Triple digit golfer
Wed Jul 28, 2021 12:28 pm
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19379

Re: Thinking of Dropping Out of International Stock Funds

I sold my International fund because it was a drag on my portfolio (I don't own individual stocks). Then I reallocated my existing portfolio into a growth/value blend. When will you get back in? If the US index was lagging, would you have dropped that? I would not drop out of US equities entirely i...
by Triple digit golfer
Wed Jul 28, 2021 12:27 pm
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19379

Re: Thinking of Dropping Out of International Stock Funds

Why does it seem like the international proponents are the most emotional about it on these forums? For some of the loudest international proponents, I honestly think some of it is emotional justification for their own investments, and even sometimes just plain sour grapes. Not TDG, but the ones wh...
by Triple digit golfer
Wed Jul 28, 2021 11:39 am
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19379

Re: Thinking of Dropping Out of International Stock Funds

Why does it seem like the international proponents are the most emotional about it on these forums? Does it really matter to you if someone else loses money being overweight US? Why don't we just wait and see and then you guys can tell everyone else "I told you so"? There are good points ...
by Triple digit golfer
Wed Jul 28, 2021 11:23 am
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19379

Re: Thinking of Dropping Out of International Stock Funds

Valuations don’t matter. US stocks going to Japan levels of P/E! Apple stock to be worth more than all exUS market caps combined!!! Thank you Jack!!! I invest in U.S. only because it will outperform to infinity and beyond! Thanks Jack, you are right and will be right forever! Why does it seem like ...
by Triple digit golfer
Wed Jul 28, 2021 11:22 am
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19379

Re: Thinking of Dropping Out of International Stock Funds

Protect them? From what? People that are on this forum are already considered very successful (in theory) when it comes to investing/personal finance. People often discover this forum by accident when starting out their investing journey and are looking for advice. The people with thousands of post...
by Triple digit golfer
Wed Jul 28, 2021 11:10 am
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19379

Re: Thinking of Dropping Out of International Stock Funds

Protect them? From what? People that are on this forum are already considered very successful (in theory) when it comes to investing/personal finance. People often discover this forum by accident when starting out their investing journey and are looking for advice. The people with thousands of post...
by Triple digit golfer
Wed Jul 28, 2021 11:07 am
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19379

Re: Thinking of Dropping Out of International Stock Funds

Valuations don’t matter. US stocks going to Japan levels of P/E! Apple stock to be worth more than all exUS market caps combined!!! Thank you Jack!!! I invest in U.S. only because it will outperform to infinity and beyond! Thanks Jack, you are right and will be right forever! Why does it seem like ...
by Triple digit golfer
Wed Jul 28, 2021 10:20 am
Forum: Personal Investments
Topic: Fidelity International Index
Replies: 12
Views: 1002

Re: Fidelity International Index

What retiredjg said in her posts is exactly correct and I agree 100%.

FTIHX is the true "total international" index at Fidelity.
by Triple digit golfer
Wed Jul 28, 2021 10:15 am
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19379

Re: Thinking of Dropping Out of International Stock Funds

I'm light international. It's done poorly for a long time and is likely to continue to, IMO. I'm only 15-20% (most I can stomach) because so many advisers seem to recommend it (though certainly not all). It is difficult to see the next 10-20 years of Europe outperforming the USA in stocks. Serious ...
by Triple digit golfer
Wed Jul 28, 2021 9:27 am
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19379

Re: Thinking of Dropping Out of International Stock Funds

lostdog wrote: Wed Jul 28, 2021 9:25 am I hope novice investors see this and learn.

We have great examples of idolatry, performance chasing, regret bias, recency bias, etc....

This is not long term investing and sticking to your plan. It's called giving in to human emotion. :oops:
:sharebeer
by Triple digit golfer
Wed Jul 28, 2021 9:15 am
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19379

Re: Thinking of Dropping Out of International Stock Funds

I sold all of my International positions this past spring and never looked back. On top of under performing the US market, International also doesn't provide any balance to US stocks... when the US market is down, International follows suit. :thumbsdown Since you were looking for something not full...
by Triple digit golfer
Wed Jul 28, 2021 9:14 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 16841
Views: 1340023

Re: U.S. stocks continue to soar!

My 2029 prediction: Dow: 100,000 S&P: 15,000 Nasdaq: 50,000 As long as the easy money continues, which it will. So you're looking for about a 15.7% per year increase in both the S&P and the Nasdaq. Plus dividends of course. I think that you should request a change to your BH user name - som...
by Triple digit golfer
Wed Jul 28, 2021 7:08 am
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19379

Re: Thinking of Dropping Out of International Stock Funds

Hi So like a good Bogle-head I split my assets b/w US-Stocks, International Stocks and Fixed Assets (Bonds, MM etc.) for the last few decades. Reviewing performance over the last 20 years of say VGTSX (total international stock fund) I see it's barely up 30% compared to say VTSMX (total stock fund)...
by Triple digit golfer
Wed Jul 28, 2021 6:16 am
Forum: Personal Finance (Not Investing)
Topic: Really how many times your annual spending?
Replies: 92
Views: 9763

Re: Really how many times your annual spending?

It doesn't matter what part of the country you live in. My step son moved to California for a great job after college six years ago and came home to visit this week. He was at the local Jewel which is Safeway\Albertsons in CA and commented on a dozen eggs as well as other groceries being unbelievab...
by Triple digit golfer
Tue Jul 27, 2021 3:05 pm
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19379

Re: Thinking of Dropping Out of International Stock Funds

30% return over 20 years? Is that correct? I knew it was bad but that’s worse than I thought. No way it stays that pathetic for the next 20…. Or maybe it will, who knows! That is incorrect. The return has been 242% over the last 20 years, according to Portfolio Visualizer. This equates to a 6.33% C...
by Triple digit golfer
Tue Jul 27, 2021 2:49 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 2287
Views: 221247

Re: Jack Bogle - Two Fund Portfolio

So because Bogle was right in the recent past doesn’t mean he will be correct for many investor’s that still have 30-60 years of investing in front of them US outperformance has been well beyond "recent past". According to the best data we have, the Simson-Marsh data, the US outperformed ...
by Triple digit golfer
Tue Jul 27, 2021 2:47 pm
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19379

Re: Thinking of Dropping Out of International Stock Funds

Hi So like a good Bogle-head I split my assets b/w US-Stocks, International Stocks and Fixed Assets (Bonds, MM etc.) for the last few decades. Reviewing performance over the last 20 years of say VGTSX (total international stock fund) I see it's barely up 30% compared to say VTSMX (total stock fund)...
by Triple digit golfer
Tue Jul 27, 2021 1:12 pm
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19379

Re: Thinking of Dropping Out of International Stock Funds

What about the advice of every fund company like Vanguard, Fidelity, Blackrock, and so on who recommend and use a healthy dose of international equities in their target funds? I don't know what will work out in the end, but using two men as evidence of how to invest wouldn't sit well with me, espec...
by Triple digit golfer
Tue Jul 27, 2021 1:01 pm
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19379

Re: Thinking of Dropping Out of International Stock Funds

What about the advice of every fund company like Vanguard, Fidelity, Blackrock, and so on who recommend and use a healthy dose of international equities in their target funds? I don't know what will work out in the end, but using two men as evidence of how to invest wouldn't sit well with me, espec...
by Triple digit golfer
Tue Jul 27, 2021 12:12 pm
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19379

Re: Thinking of Dropping Out of International Stock Funds

Fortunately, I'm heavily exposed to US stocks which have put me in a nice position. But I'm seriously thinking, why on earth invest in these international funds if they barely beat inflation. Lots of posters are US-only, including myself. Neither Buffett nor Bogle believed in ex-US, not sure what o...
by Triple digit golfer
Tue Jul 27, 2021 11:56 am
Forum: Investing - Theory, News & General
Topic: Thinking of Dropping Out of International Stock Funds
Replies: 300
Views: 19379

Re: Thinking of Dropping Out of International Stock Funds

It may be time to bump my international equity exposure even higher.
by Triple digit golfer
Tue Jul 27, 2021 11:07 am
Forum: Personal Finance (Not Investing)
Topic: How strong are my golden handcuffs
Replies: 197
Views: 16794

Re: How strong are my goldern handcuffs

Rich people problems.

At this point it is a matter of willingness to trade your time for what sounds like a substantial amount of money that you don't need.

Only you can decide if it's worth it.
by Triple digit golfer
Mon Jul 26, 2021 9:36 pm
Forum: Personal Investments
Topic: VTWAX vs VTSAX/VTIAX in Taxable.
Replies: 47
Views: 2997

Re: VTWAX vs VTSAX/VTIAX in Taxable.

I've literally been thinking about this nonstop for weeks. What's going on. You're obsessing. You remind me of myself. I've done it too, many times. Every single time, it's been something like this where it ultimately doesn't make much of a difference at all. I highly recommend you do nothing and s...
by Triple digit golfer
Mon Jul 26, 2021 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Really how many times your annual spending?
Replies: 92
Views: 9763

Re: Really how many times your annual spending?

I actually do the calculation in 2 parts: 1. Amount I will need after start of Social Security + any pensions, I use 25x for this calculation 2. The amount I will need to get to SS + pensions This is how I would ultimately like to do it. How would one do the calculation or determine what's enough? ...
by Triple digit golfer
Mon Jul 26, 2021 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Really how many times your annual spending?
Replies: 92
Views: 9763

Re: Really how many times your annual spending?

I actually do the calculation in 2 parts: 1. Amount I will need after start of Social Security + any pensions, I use 25x for this calculation 2. The amount I will need to get to SS + pensions This is how I would ultimately like to do it. How would one do the calculation or determine what's enough? ...
by Triple digit golfer
Mon Jul 26, 2021 9:04 pm
Forum: Personal Investments
Topic: VTWAX vs VTSAX/VTIAX in Taxable.
Replies: 47
Views: 2997

Re: VTWAX vs VTSAX/VTIAX in Taxable.

I think I've gone mad It's not that complicated. What's more important, $, or hassle? I don't know. I do this all the time and I hate it. Investing took my perfectionist tendencies and amped them up (a little imperfection becomes larger when compounded year after year). You seem like you want to op...
by Triple digit golfer
Mon Jul 26, 2021 8:26 pm
Forum: Personal Investments
Topic: VTWAX vs VTSAX/VTIAX in Taxable.
Replies: 47
Views: 2997

Re: VTWAX vs VTSAX/VTIAX Analysis Write Up. Am I crazy?

It seems you're looking for approval to use VTWAX in a taxable account. Approved. It's fine. It's not as financially optimal as splitting it out, but there are other variables as well. Reducing behavioral errors, no rebalancing, personal preference, and so on. The small difference you'll pay is for...
by Triple digit golfer
Mon Jul 26, 2021 8:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 16841
Views: 1340023

Re: U.S. stocks continue to soar!

so emerging market indexes will be in a world of hurt for awhile? Emerging Markets is a pretty broad term. Nobody knows. But what I do know is that it is priced extremely cheaply, has had a particularly bad decade, and yet presents tremendous growth and value at the same time...with some additional...
by Triple digit golfer
Mon Jul 26, 2021 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Really how many times your annual spending?
Replies: 92
Views: 9763

Re: Really how many times your annual spending?

It doesn't matter what part of the country you live in. Arguably your multiplier could be lower in a high cost area because you have the option to move somewhere more affordable. Sure, but then your expenses drop. In terms of the safe withdrawal rate, 25x in one city will last you the same as 25x i...
by Triple digit golfer
Mon Jul 26, 2021 8:01 pm
Forum: Personal Investments
Topic: VTWAX vs VTSAX/VTIAX in Taxable.
Replies: 47
Views: 2997

Re: VTWAX vs VTSAX/VTIAX Analysis Write Up. Am I crazy?

It seems you're looking for approval to use VTWAX in a taxable account. Approved. It's fine. It's not as financially optimal as splitting it out, but there are other variables as well. Reducing behavioral errors, no rebalancing, personal preference, and so on. The small difference you'll pay is for ...
by Triple digit golfer
Mon Jul 26, 2021 7:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 16841
Views: 1340023

Re: U.S. stocks continue to soar!

so emerging market indexes will be in a world of hurt for awhile? Emerging Markets is a pretty broad term. Nobody knows. But what I do know is that it is priced extremely cheaply, has had a particularly bad decade, and yet presents tremendous growth and value at the same time...with some additional...
by Triple digit golfer
Mon Jul 26, 2021 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Really how many times your annual spending?
Replies: 92
Views: 9763

Re: Really how many times your annual spending?

I actually do the calculation in 2 parts: 1. Amount I will need after start of Social Security + any pensions, I use 25x for this calculation 2. The amount I will need to get to SS + pensions This is how I would ultimately like to do it. How would one do the calculation or determine what's enough? ...
by Triple digit golfer
Mon Jul 26, 2021 7:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 16841
Views: 1340023

Re: U.S. stocks continue to soar!

lostdog wrote: Mon Jul 26, 2021 7:09 pm so emerging market indexes will be in a world of hurt for awhile?
I gotta think like everything else - it's priced in. If it were so obvious what's going to happen, wouldn't people be shorting these companies and make an easy fortune?
by Triple digit golfer
Mon Jul 26, 2021 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Really how many times your annual spending?
Replies: 92
Views: 9763

Re: Really how many times your annual spending?

Living in the bit more affordable Midwest, how many times your annual spending do you realistically need to save to retire by 55? I've seen multipliers 25X or 33X. Is this still accurate? I'd say it's still accurate. If the Midwest is a "bit more affordable" then your total dollar amount ...
by Triple digit golfer
Mon Jul 26, 2021 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Really how many times your annual spending?
Replies: 92
Views: 9763

Re: Really how many times your annual spending?

It doesn't matter what part of the country you live in.
by Triple digit golfer
Mon Jul 26, 2021 6:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 16841
Views: 1340023

Re: U.S. stocks continue to soar!

If it's so obvious that investing in China is horrible for U.S. investors, why do all the fund companies still recommend it and hold it in their target funds?

I'm not being sarcastic. I'm curious about this.