Search found 74 matches

by Dink2018
Sun Mar 22, 2020 4:07 pm
Forum: Investing - Theory, News & General
Topic: Mutual Fund Costs of Vanguard Ex US Reit Vs ETF
Replies: 1
Views: 138

Mutual Fund Costs of Vanguard Ex US Reit Vs ETF

Hello, Mutual Fund: https://investor.vanguard.com/mutual-funds/profile/vgrlx Has a .25% fee for redemption and purchase ETF: https://investor.vanguard.com/etf/profile/fees/vnqi Seems to not have this fee? Can anyone explain if that fee is hidden in the ETF somewhere? Overall I have a strong preferen...
by Dink2018
Mon Mar 09, 2020 1:15 pm
Forum: Investing - Theory, News & General
Topic: Are any early accumulators thankful for the current correction?
Replies: 185
Views: 9982

Re: Are any early accumulators thankful for the current correction?

I've been killing it with business lately so yeah, I'm pretty happy with damn near everything now. Put away over $500k last year after taxes so I'm catching up quick for all the years I went sideways. I'm not happy it went down but I'm super focused on business and know that doing that is 90% of me ...
by Dink2018
Wed Jan 08, 2020 8:34 pm
Forum: Personal Investments
Topic: portfolio advice - 3 year escape plan from silicon valley
Replies: 41
Views: 3246

Re: portfolio advice - 3 year escape plan from silicon valley

Overall I don't think you have nearly enough $$ to be in that aggressive of an allocation given your plans. Have you really mentally accepted that 50% of that $$ could take a hair cut for a decade? Or maybe even more? The more I read about this stuff the more apt I am to just go 55% world stocks as ...
by Dink2018
Sat Jan 04, 2020 2:04 pm
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 217
Views: 44056

Re: Bill Sharpe's preferred portfolio

Is there a link to a place I can easily find the market cap weight every month?
by Dink2018
Fri Jan 03, 2020 6:58 pm
Forum: Investing - Theory, News & General
Topic: Investing or Speculation?
Replies: 59
Views: 3818

Re: Investing or Speculation?

Does the "market portfolio" always wind up in the middle?

I'm not trying to be snarky I'm just asking. Seems like it would but I guess I don't know. My only equity position is VTWAX - which is Vanguards Global Equities fund.
by Dink2018
Mon Dec 02, 2019 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Most "vanguard like" HSA provider
Replies: 30
Views: 2713

Most "vanguard like" HSA provider

I'm super happy at Vanguard. I don't see that they offer HSA accounts. What HSA provider would be the most similar to Vanguard. I'm planning on buying Vanguard funds anyway, I just mean from the business perspective, least likely to do a "wells fargo" and create fake accounts to defraud people.
by Dink2018
Mon Dec 02, 2019 10:19 pm
Forum: Investing - Theory, News & General
Topic: SIPC coverage... Simple questions
Replies: 12
Views: 705

Re: SIPC coverage... Simple questions

1) SIPC web page: Investors with Multiple Accounts See that page for more details. No, you can't easily get unlimited SIPC coverage by creating large numbers of accounts. They give some examples of how it works: The following are examples of separate accounts: Mary has an account in her name at her...
by Dink2018
Mon Dec 02, 2019 9:33 pm
Forum: Investing - Theory, News & General
Topic: SIPC coverage... Simple questions
Replies: 12
Views: 705

Re: SIPC coverage... Simple questions

https://investor.vanguard.com/investing/account-protection Thanks Rick So the "aggregate" limit is.. 1: all vanguard accounts on the planet 2: my total amount in all my vanguard accounts I'm not exactly sure. EG: If there was a widespread theft and it clearly exceeded the 250m cap for aggregate doe...
by Dink2018
Mon Dec 02, 2019 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Is The Value of Your Net Worth Important to You?
Replies: 74
Views: 6599

Re: How Much Is The Value of Your Net Worth Important to You?

I'm not anywhere near retirement but my net worth matters to me a lot.

It's saved up energy I don't have to work for again.

If I stopped earning I'd spend it pretty quickly but hey I've got a 3-4 year runway whereas most people my age have 3-4 months "maybe" lots have 3-4 weeks of reserves.
by Dink2018
Mon Dec 02, 2019 9:22 pm
Forum: Investing - Theory, News & General
Topic: SIPC coverage... Simple questions
Replies: 12
Views: 705

SIPC coverage... Simple questions

Hello, My understanding of SIPC coverage is basically that it kicks in if you are defrauded from the brokerage. EG: if I have 750k in an account and it goes to zero because of an employee theft (guy gets convicted) real simple example. I'd be out $250k right? So the questions are. 1: Am I understand...
by Dink2018
Mon Nov 25, 2019 11:32 pm
Forum: Investing - Theory, News & General
Topic: When can we fund 2020 SEP IRA?
Replies: 20
Views: 1308

Re: When can we fund 2020 SEP IRA?

Is there a particular reason you want to fund it early? Because I'm finally getting consistent with earnings and saving and want to keep it up 100%. Been working since 2006 when I got out of school and 100% of my retirement funds and savings has been since this time last year. I'm getting ruthless ...
by Dink2018
Mon Nov 25, 2019 10:21 pm
Forum: Investing - Theory, News & General
Topic: When can we fund 2020 SEP IRA?
Replies: 20
Views: 1308

Re: When can we fund 2020 SEP IRA?

Is there a particular reason you want to fund it early? Because I'm finally getting consistent with earnings and saving and want to keep it up 100%. Been working since 2006 when I got out of school and 100% of my retirement funds and savings has been since this time last year. I'm getting ruthless ...
by Dink2018
Mon Nov 25, 2019 9:47 pm
Forum: Investing - Theory, News & General
Topic: When can we fund 2020 SEP IRA?
Replies: 20
Views: 1308

When can we fund 2020 SEP IRA?

I've googled the heck out of it and all the results just talk about dates for this year and limits. When can we start funding 2020 SEP accounts?

Thanks all!
by Dink2018
Sat Oct 19, 2019 10:22 am
Forum: Investing - Theory, News & General
Topic: Is the 60/40 portfolio allocation strategy being killed?
Replies: 142
Views: 16883

Re: Is the 60/40 portfolio allocation strategy being killed?

Gold: Don't be against 4k years of track record, and all the people printing the cash hold it anyway so do as they DO and not do as they say "buy bonds" its the best protection against hyper inflation. Expect it can / will be volatile but that's okay, it just means that major shifts are happening i...
by Dink2018
Fri Oct 18, 2019 8:30 pm
Forum: Investing - Theory, News & General
Topic: Is the 60/40 portfolio allocation strategy being killed?
Replies: 142
Views: 16883

Re: Is the 60/40 portfolio allocation strategy being killed?

I know that a large portion of bogleheads dislike gold but I see it as the other side of 60/40. Its just hard for me to imagine that buying a ton of bonds for the next 30-50 years and ignoring the central banks buying gold and printing the $$ for bonds is wise. Sure bonds have beat gold in many case...
by Dink2018
Fri Oct 18, 2019 7:59 pm
Forum: Investing - Theory, News & General
Topic: Investing for the "great sag" - Dalio
Replies: 65
Views: 11161

Re: Investing for the "great sag" - Dalio

As much as investment research as I read everything comes back to "make a freaking killing" as the "thing I can control" all the other stuff is window dressing.

None of us can control or predict the markets so we might as well focus on the earnings and spending side.
by Dink2018
Tue Sep 24, 2019 12:39 pm
Forum: Investing - Theory, News & General
Topic: Permanent Portfolio without cash allocation?
Replies: 65
Views: 5361

Re: Permanent Portfolio without cash allocation?

I've modeled the PP a lot using 50% to total bond market and it looks very similar to the original ratios. It should be noted that this only goes back till 1987 so its not nearly as long as I would like to look at but I don't know how to get PV to show me results further back. 1: Is the normal PP 2:...
by Dink2018
Wed Sep 11, 2019 8:54 pm
Forum: Investing - Theory, News & General
Topic: Negative Yielding Bonds are What Percentage of International Bonds??? Help me frame a reference
Replies: 1
Views: 294

Negative Yielding Bonds are What Percentage of International Bonds??? Help me frame a reference

Hello, I've seen quite a few articles about how there are 15 trillion or so negative yielding bonds in the market right now. Given that I'm in life strategy funds it means I own some of those. But I don't have a clue how much. International Bonds have done better than US bonds in the past several ye...
by Dink2018
Fri Aug 16, 2019 5:07 pm
Forum: Investing - Theory, News & General
Topic: What do you think about this global 10 fund portfolio?
Replies: 14
Views: 1708

Re: What do you think about this global 10 fund portfolio?

Wow, very helpful response. Thanks for your time and insights. I don't have any data on abandonment but I've seen some stats that say something like 50% of people raid their retirement accounts, and lots more sell at market bottoms. Note taken on continual contributions making the graphs look differ...
by Dink2018
Sat Aug 10, 2019 12:55 pm
Forum: Investing - Theory, News & General
Topic: What do you think about this global 10 fund portfolio?
Replies: 14
Views: 1708

What do you think about this global 10 fund portfolio?

Hello Everyone, I've learned so much over the past 2 years reading about portfolios and personal finance. It seems like I'm a bit hung up on a few things and I'm trying to solve the issue. 1: I get the idea of index funds as efficient but it seems like you wind up with a portfolio of large cap compa...
by Dink2018
Tue Aug 06, 2019 7:54 pm
Forum: Investing - Theory, News & General
Topic: Is anyone running 50/50 stock bond who is younger?
Replies: 45
Views: 4905

Re: Is anyone running 50/50 stock bond who is younger?

Yes, I'm about 20% cash 50% bonds 30% stocks. 36 years old, its all new money, my VG account was started in October 2018 so I really need to make sure I get these things set up right and not get overconfident with my tolerance. During the financial crash I made some massive life changes that I would...
by Dink2018
Tue Jul 23, 2019 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Best Mortgage for High Net Worth? 20% down then HELOC the 80% balance?
Replies: 17
Views: 1676

Re: Best Mortgage for High Net Worth? 20% down then HELOC the 80% balance?

OP, you seem quite sure what you want to do. So I think you should go do it. Before you do, I want to make sure you understand why some would prefer a margin loan over a HELOC: -no payment is ever required, so long as you maintain maintenance margin. However, you can take draws and make payments at...
by Dink2018
Tue Jul 23, 2019 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Best Mortgage for High Net Worth? 20% down then HELOC the 80% balance?
Replies: 17
Views: 1676

Re: Best Mortgage for High Net Worth? 20% down then HELOC the 80% balance?

If you are wealthy, my idea would be to get an interest only arm and pay least amount possible. Then you could transfer assets to interactive brokers and use their dirt cheap margin for cash. Why pay higher interest rates and principle. This is only if you have the dough to pay off the mortgage if ...
by Dink2018
Tue Jul 23, 2019 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Best Mortgage for High Net Worth? 20% down then HELOC the 80% balance?
Replies: 17
Views: 1676

Re: Best Mortgage for High Net Worth? 20% down then HELOC the 80% balance?

gougou wrote:
Tue Jul 23, 2019 1:17 pm
What's the interest rate? IMO the interest rate is the only thing that matters. HELOC typically has higher interest rate than an ARM.
Around 6% for the variable rate and 5.5% for the 5 year fixed.
by Dink2018
Tue Jul 23, 2019 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Best Mortgage for High Net Worth? 20% down then HELOC the 80% balance?
Replies: 17
Views: 1676

Re: Best Mortgage for High Net Worth? 20% down then HELOC the 80% balance?

I'm not seeing why wealth matters and I'm not seeing how this is any better than simply getting a regular mortgage with 20% down, then getting a HELOC. I've done exactly that with a no-cost HELOC that honestly, I don't know how long it's good for. I do know it's still open and is over 23 years old ...
by Dink2018
Tue Jul 23, 2019 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Best Mortgage for High Net Worth? 20% down then HELOC the 80% balance?
Replies: 17
Views: 1676

Re: Best Mortgage for High Net Worth? 20% down then HELOC the 80% balance?

If you are wealthy, my idea would be to get an interest only arm and pay least amount possible. Then you could transfer assets to interactive brokers and use their dirt cheap margin for cash. Why pay higher interest rates and principle. This is only if you have the dough to pay off the mortgage if ...
by Dink2018
Tue Jul 23, 2019 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Best Mortgage for High Net Worth? 20% down then HELOC the 80% balance?
Replies: 17
Views: 1676

Re: Best Mortgage for High Net Worth? 20% down then HELOC the 80% balance?

I would think that all lenders that have intelligent and empowered people would offer this form of financing because the most likely result is that the bank makes significantly more money. My HELOC has a ten-year draw term. In year 11, I can't take cash out. You will surely have yours paid off by t...
by Dink2018
Tue Jul 23, 2019 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Best Mortgage for High Net Worth? 20% down then HELOC the 80% balance?
Replies: 17
Views: 1676

Re: Best Mortgage for High Net Worth? 20% down then HELOC the 80% balance?

HEDGEFUNDIE wrote:
Tue Jul 23, 2019 12:20 pm
What happens if the home value goes down?
That's a possibility with any mortgage or even if I pay cash. Not sure the outcome is any different. Putting 20% down helps a bit in terms of being able to get out if needed.
by Dink2018
Tue Jul 23, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Best Mortgage for High Net Worth? 20% down then HELOC the 80% balance?
Replies: 17
Views: 1676

Best Mortgage for High Net Worth? 20% down then HELOC the 80% balance?

A mortgage company I'm familiar with a has a product where you put 20% down then the remaining balance is a HELOC. The advantage being you get the benefit of the being able to dump your income against the balance but don't lose the liquidity of being able to take it back out. The interest is calcula...
by Dink2018
Wed May 22, 2019 10:46 pm
Forum: Investing - Theory, News & General
Topic: Is the Global Portfolio the Least Risky? Lowest risk adjusted return?
Replies: 22
Views: 2055

Re: Is the Global Portfolio the Least Risky? Lowest risk adjusted return?

Bill Sharpe and other theorists would say the global portfolio is the most desirable, and Sharpe has outlined how he would structure it with stocks and bonds. Here's a previous thread that might be helpful: https://www.bogleheads.org/forum/viewtopic.php?t=207804 And the Wiki has a longer entry with...
by Dink2018
Wed May 22, 2019 10:28 am
Forum: Investing - Theory, News & General
Topic: Is the Global Portfolio the Least Risky? Lowest risk adjusted return?
Replies: 22
Views: 2055

Re: Is the Global Portfolio the Least Risky? Lowest risk adjusted return?

Many appear to believe that global cap will yield the most in the long run. That would imply that it’s the riskiest. I don’t about the first, but certainly think it’s the riskiest for US investors. I don't think its the "highest yield" or "riskiest" I think that in aggregate it has to be the LEAST ...
by Dink2018
Wed May 22, 2019 10:08 am
Forum: Investing - Theory, News & General
Topic: Is the Global Portfolio the Least Risky? Lowest risk adjusted return?
Replies: 22
Views: 2055

Re: Is the Global Portfolio the Least Risky? Lowest risk adjusted return?

Mechanically speaking I get the idea of indexing and market caps. So if one follows the logic further is the global portfolio the lowest risk / reward that you can find? It has to be right? If you figure that's what everyone else owns (to the percentage) and you own the entire thing, how far can th...
by Dink2018
Tue May 21, 2019 9:32 pm
Forum: Investing - Theory, News & General
Topic: Is the Global Portfolio the Least Risky? Lowest risk adjusted return?
Replies: 22
Views: 2055

Is the Global Portfolio the Least Risky? Lowest risk adjusted return?

Mechanically speaking I get the idea of indexing and market caps. So if one follows the logic further is the global portfolio the lowest risk / reward that you can find? It has to be right? If you figure that's what everyone else owns (to the percentage) and you own the entire thing, how far can the...
by Dink2018
Mon May 20, 2019 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE - What am I missing in the News Stories
Replies: 223
Views: 16123

Re: FIRE - What am I missing in the News Stories

Not having kids when you lose your health, require surgeries, lose cognitive abilities, etc. is horrible and very hard to navigate. I honestly don't know what people do in that situation, particularly if the spouse is also in bad shape or passed away. This is a commonly-held belief and it's so misl...
by Dink2018
Sun May 19, 2019 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE - What am I missing in the News Stories
Replies: 223
Views: 16123

Re: FIRE - What am I missing in the News Stories

Lots of these people are full of BS. They are just selling the idea of FIRE to get to FIRE themselves. Sort of like "how to make money online by selling other people the idea of making money online by selling info about how to make money online" Notice in the above nothing REAL is actually sold othe...
by Dink2018
Thu Mar 21, 2019 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: 60 YOs ask a BH for advice - 200K+ student loan debt, and more...
Replies: 66
Views: 4940

Re: 60 YOs ask a BH for advice - 200K+ student loan debt, and more...

I'd say they should buy a 4 plex on the va loan and just pay the mins all debts. they have no chance so might as well make some progress in the cash flow direction. stop all credit cards and go to the cash system. it'll be hard for them, but maybe they can stop making such poor decisions and make a ...
by Dink2018
Fri Mar 08, 2019 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Wife wants to move out of Nevada (no state income tax), and I don't want to pay state income taxes
Replies: 21
Views: 1714

Wife wants to move out of Nevada (no state income tax), and I don't want to pay state income taxes

Any advice wise sages here. I love living in Las Vegas but my wife just doesn't like it and wants something "cute" which Las Vegas isn't. Income has gone up a lot so moving to Arizona or somewhere else could start a tax load of $2-3k a month in state income taxes. We've been living out of our RV and...
by Dink2018
Mon Feb 18, 2019 6:20 pm
Forum: Investing - Theory, News & General
Topic: LifeStrategy in Taxable - Percentage Less Tax Efficient
Replies: 11
Views: 1167

Re: LifeStrategy in Taxable - Percentage Less Tax Efficient

It may be. I'm confident that the people at vanguard can do the button pushing the right way for me but at .3 of all the portfolio that certainly ads a cost to it. The risk of me messing it up seems way higher than the benefit.
by Dink2018
Mon Feb 18, 2019 11:06 am
Forum: Investing - Theory, News & General
Topic: LifeStrategy in Taxable - Percentage Less Tax Efficient
Replies: 11
Views: 1167

Re: LifeStrategy in Taxable - Percentage Less Tax Efficient

That's true. I see your point. To some degree its also a bit of a solution, I've damn near convinced myself just put every account at 60/40 and stuff as much cash as I can in all of them and never change. My monkeying around with the ratios is more likely to hurt than help. But maybe if I hire someo...
by Dink2018
Mon Feb 18, 2019 10:33 am
Forum: Investing - Theory, News & General
Topic: LifeStrategy in Taxable - Percentage Less Tax Efficient
Replies: 11
Views: 1167

Re: LifeStrategy in Taxable - Percentage Less Tax Efficient

Thanks! Yes, I'm aware of the ER being higher but that's really negligible for me, I don't think I'd ever really see that. I don't truly understand tax loss harvesting, from what I read it looks like the max you can "harvest" is the tax on $3k of income, so if the tax rate is 30% then that's about $...
by Dink2018
Sun Feb 17, 2019 12:38 pm
Forum: Investing - Theory, News & General
Topic: LifeStrategy in Taxable - Percentage Less Tax Efficient
Replies: 11
Views: 1167

LifeStrategy in Taxable - Percentage Less Tax Efficient

Is there any way to figure out how much less tax efficient a LifeStrategy fund is in taxable vs the same holdings % as individual funds. I'm speaking simply from the standpoint of holding all securities in taxable with no consideration of holding outside of that account. EG: if I put $50k into LifeS...
by Dink2018
Sun Feb 17, 2019 11:14 am
Forum: Personal Investments
Topic: Generating income in Taxable Joint Vanguard account
Replies: 5
Views: 592

Re: Generating income in Taxable Joint Vanguard account

Just buy the world - VTWAX

That's what I'm doing anyway. My short term cash it just in money market, then VTWAX

Not very aggressive since I was crushed two years ago in work, business, now I'm sitting something like 80% cash and 10% stocks 10% bonds. I had zero equities prior to this but no debt.
by Dink2018
Wed Feb 13, 2019 10:20 am
Forum: Investing - Theory, News & General
Topic: 327 Years of British Equity History
Replies: 19
Views: 2262

Re: 327 Years of British Equity History

This is just one more example showing me that indexing makes sense. I can't look at any info like that and pretend I can tell what will happen next.
by Dink2018
Tue Feb 12, 2019 4:42 pm
Forum: Investing - Theory, News & General
Topic: Why I Own a Total Market Index Fund
Replies: 43
Views: 6842

Re: Why I Own a Total Market Index Fund

Love it. I just bought 10k of Total World Admiral with the same general idea. Gotta do something with my money, leaving it in cash my whole life isn't a great option. For me the hardest decision isn't indexing its stock bond ratio. I'm sitting at 90% cash 5% stock and 5% bond since I'm not sure if I...
by Dink2018
Mon Feb 11, 2019 6:35 pm
Forum: Investing - Theory, News & General
Topic: When does total global bond mutual fund come out?
Replies: 5
Views: 864

Re: When does total global bond mutual fund come out?

Yep, that's why I've assumed it's coming out. I want to create a two fund portfolio. I was going to go 100% into life strategy but that doesn't seem like a great idea in a taxable account.
by Dink2018
Sat Feb 09, 2019 11:12 am
Forum: Investing - Theory, News & General
Topic: When does total global bond mutual fund come out?
Replies: 5
Views: 864

When does total global bond mutual fund come out?

Anyone know?

The etf has been around for a while but I prefer mutual funds.
by Dink2018
Wed Jan 30, 2019 7:21 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Visualizer - Is there a way to see cash vs market gains?
Replies: 3
Views: 445

Portfolio Visualizer - Is there a way to see cash vs market gains?

PV is a great tool I'm somewhat familiar with it but I've never seen a way to show on a graph the total amount deposited vs market returns (losses). I get the math if I just have on input number, but if I move the dates around and months additional deposits it makes is pretty laborious. Is there a w...
by Dink2018
Thu Jan 17, 2019 7:27 pm
Forum: Personal Investments
Topic: Please recommend some funds that can serve as partners/substitues for Vanguard Total Bond Fund (VTABX) for TLH.
Replies: 8
Views: 764

Re: Please recommend some funds that can serve as partners/substitues for Vanguard Total Bond Fund (VTABX) for TLH.

Assuming the graphs mean much if you match up total bond and intermediate term tax free muni bonds they nearly overlay eachother. Seems pretty close if that's what you are looking for.
by Dink2018
Thu Jan 17, 2019 7:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total World Stock (VTWAX) and All-World ex-US Small Cap Admiral Shares (VFSAX) now available (February 7)
Replies: 181
Views: 23929

Re: Vanguard Total World Stock and All-World ex-US Small Cap Admiral Shares should launch February 5

Does anyone know if it will be as well diversified as holding the same components as the stock portions inside a life strategy fund. I think I remember looking at the VT etf and found it was something like a few thousand stocks short. I like the idea of having a single fund for my stock portion I do...