Search found 41 matches

by kadibex1
Fri Nov 16, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: IRS announces 2019 Tax Rates, Standard Deduction, etc.
Replies: 27
Views: 6065

2019 Tax Brackets Announced

http://www.msn.com/en-us/money/taxes/he ... tp#image=1

They've finally upped the IRA contribution limit from $5500 to now $6000. YAY!!!
by kadibex1
Fri Nov 16, 2018 2:58 pm
Forum: Personal Investments
Topic: Are We In A Real Estate Bubble?
Replies: 114
Views: 15906

Re: Are We In A Real Estate Bubble?

Are we in another real estate bubble? When i look at the data, the rise in real estate prices appear to be more organic and slower and not as dramatic say last decade. It's the good ole supply and demand. Yet I was at a real estate work shop recently and the brokers hosting it talked about how easy...
by kadibex1
Fri Nov 16, 2018 9:00 am
Forum: Personal Investments
Topic: Are We In A Real Estate Bubble?
Replies: 114
Views: 15906

Re: Are We In A Real Estate Bubble?

Are we in another real estate bubble? When i look at the data, the rise in real estate prices appear to be more organic and slower and not as dramatic say last decade. It's the good ole supply and demand. Yet I was at a real estate work shop recently and the brokers hosting it talked about how easy...
by kadibex1
Thu Nov 15, 2018 12:15 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 133390

Re: How much international stock? A suggestion.

When you look at things historically, the times international out performed the U.S. was when we had a devalued U.S. dollar. So the only reason to add international is for currency hedging. And not a good enough reason for adding it.
by kadibex1
Thu Nov 15, 2018 11:16 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 133390

Re: How much international stock? A suggestion.

Yet in the Vanguard Total Stock Market around 40% of returns come from international through multi-national corporations while between 5-10% in the Total Bond market comes from Yankee Bonds. So in a 60/40 with both funds this equates to around 24%-28% of returns already coming from international ex...
by kadibex1
Thu Nov 15, 2018 10:51 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 133390

Re: How much international stock? A suggestion.

Yet in the Vanguard Total Stock Market around 40% of returns come from international through multi-national corporations while between 5-10% in the Total Bond market comes from Yankee Bonds. So in a 60/40 with both funds this equates to around 24%-28% of returns already coming from international exp...
by kadibex1
Thu Nov 08, 2018 11:26 pm
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 141
Views: 15823

Re: Core-4 Investing is LIVE!

Explorer wrote: Wed Oct 31, 2018 7:31 pm Me too.. just a coming soon page.. :D

For what it is worth, I use 6 funds:
- Total US Stock
- Total Intl Stock
- US Agg Bond
- Intl Agg Bond (BNDX)
- LT Treasuries
- Short Term TIPS
What % do you have allocated to each one and what funds do you use?
by kadibex1
Thu Nov 08, 2018 1:52 pm
Forum: Personal Investments
Topic: Are We In A Real Estate Bubble?
Replies: 114
Views: 15906

Re: Are We In A Real Estate Bubble?

You might consider explaining your goals in attending a real estate workshop hosted by brokers. Indeed. Could the brokers be telling attendees what they think attendees want to hear? Was this a workshop on how to make money in real estate, and did the appeal of the idea depend on assuring participa...
by kadibex1
Thu Nov 08, 2018 1:51 pm
Forum: Personal Investments
Topic: Are We In A Real Estate Bubble?
Replies: 114
Views: 15906

Re: Are We In A Real Estate Bubble?

Are we in another real estate bubble? When i look at the data, the rise in real estate prices appear to be more organic and slower and not as dramatic say last decade. It's the good ole supply and demand. Yet I was at a real estate work shop recently and the brokers hosting it talked about how easy...
by kadibex1
Wed Nov 07, 2018 3:40 pm
Forum: Personal Investments
Topic: Are We In A Real Estate Bubble?
Replies: 114
Views: 15906

Are We In A Real Estate Bubble?

Are we in another real estate bubble? When i look at the data, the rise in real estate prices appear to be more organic and slower and not as dramatic say last decade. It's the good ole supply and demand. Yet I was at a real estate work shop recently and the brokers hosting it talked about how easy ...
by kadibex1
Wed Oct 31, 2018 1:41 pm
Forum: Personal Investments
Topic: Brokerage Firm Stock!
Replies: 4
Views: 508

Brokerage Firm Stock!

I am a fan of Invesco (ticker: IVZ) and own a few of their funds. Yet I didn’t know they are a publicly traded company. I am now thinking of buying $500-$1000 worth of their stock. I know posts of people buying individual stocks via Bogleheads raises red flags. Yet what about buying stock of an inve...
by kadibex1
Wed Oct 31, 2018 11:02 am
Forum: Investing - Theory, News & General
Topic: Swedroe: Look Beyond 60/40 Portfolio
Replies: 240
Views: 25169

Re: Swedroe: Look Beyond 60/40 Portfolio

Why does this seem like another one of those the 60/40 is dead articles. Yawn! I'll stick with my Vanguard Balanced Index.
by kadibex1
Tue Oct 30, 2018 9:10 pm
Forum: Investing - Theory, News & General
Topic: GE: We Bring Bad News To Life!
Replies: 35
Views: 5096

Re: GE: We Bring Bad News To Life!

Grt2bOutdoors wrote: Tue Oct 30, 2018 7:38 pm
neflyer wrote: Tue Oct 30, 2018 3:51 pm
kadibex1 wrote: Tue Oct 30, 2018 2:51 pm I'd buy in at $7 per share.
You may very well get your chance!
$2.50 a share.
Hmmm...I will compromise and buy at $5.
by kadibex1
Tue Oct 30, 2018 9:05 pm
Forum: Investing - Theory, News & General
Topic: GE: We Bring Bad News To Life!
Replies: 35
Views: 5096

Re: GE: We Bring Bad News To Life!

I wouldn't classify Enron with Kodak, GE, or, say, Sears. Enron was, I believe, a relatively young company that went bust from fraud. Kodak, GE, and Sears are 100+ year old companies that were successful for a century but that finally accumulated a sufficiently long enough string of poor business d...
by kadibex1
Tue Oct 30, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: GE: We Bring Bad News To Life!
Replies: 35
Views: 5096

Re: GE: We Bring Bad News To Life!

GE's fall is stunning, and I'm glad I haven't owned them in a long time, but I wouldn't yet call them a Kodak or Enron. Kodak's core business was rendered all but completely obsolete, and Enron was largely an accounting fiction. GE Capital was arguably an Enron-level fiction with the benefit of hin...
by kadibex1
Tue Oct 30, 2018 11:45 am
Forum: Investing - Theory, News & General
Topic: GE: We Bring Bad News To Life!
Replies: 35
Views: 5096

GE: We Bring Bad News To Life!

Look at the price and news about their dividend. Kodak, then Enron and now GE. Just another reminder of why we're index investors. https://www.google.com/search?source=hp&ei=SIrYW8W9PInT0gLG_IKgBQ&q=ge+stock&btnK=Google+Search&oq=ge+stock&gs_l=psy-ab.3..0i131l9j0.2133.3564..3863....
by kadibex1
Sat Oct 27, 2018 12:29 am
Forum: Investing - Theory, News & General
Topic: Why I'm 100% stocks
Replies: 149
Views: 22350

Re: Why I'm 100% stocks

I've been 100% stocks since I started saving seriously in 2006, and plan to stick to that allocation forever. I detailed my reasons for doing so in this thread . I should add that my total portfolio includes home equity. Without building up home equity, 100% stocks would probably make me nervous wh...
by kadibex1
Sat Oct 27, 2018 12:27 am
Forum: Personal Investments
Topic: Vanguard Balanced Index Fund Lovers?
Replies: 46
Views: 8825

Re: Vanguard Balanced Index Fund Lovers?

Is there an equivalent Fidelity fund? You might also look at FFNOX (Fidelity Four-in-One) at fidelity, while likely not as tax efficient, it includes fewer bonds, some international, and expense ratio only 0.08% I've often wondered about this fund. The AA and fund choices, albeit on the U.S. Stock ...
by kadibex1
Fri Oct 26, 2018 9:01 am
Forum: Personal Investments
Topic: Dividend Investing vs. Index Funds
Replies: 19
Views: 3448

Re: Dividend Investing vs. Index Funds

As Bogleheads, we all know the fallacy of dividend investing and chasing yield. That it's more important to focus on total return. Which is why Index investing makes all the more sense. Yet I've got a friend whom is adamant about only dividend investing and is asking me for advice, if I know of a s...
by kadibex1
Thu Oct 25, 2018 11:24 am
Forum: Personal Investments
Topic: Dividend Investing vs. Index Funds
Replies: 19
Views: 3448

Re: Dividend Investing vs. Index Funds

Tread lightly. Usually, people have beliefs set in stone, right or wrong, especially when they have had success (or what made them feel successful. If you really value the friendship, might want to ask yourself if possibly alienating, or worse, is worth it to you. They're new to investing and got h...
by kadibex1
Thu Oct 25, 2018 11:16 am
Forum: Investing - Theory, News & General
Topic: Why I'm 100% stocks
Replies: 149
Views: 22350

Re: Why I'm 100% stocks

Bonds are a form of safety net and you will be jumping into retirement with a sweet one. Estimate the present value of your pension and consider it your bond allocation. Adding the PV of your pension (assuming it is 'safe/stable/predictable') to your overall asset allocation is something I had not ...
by kadibex1
Thu Oct 25, 2018 10:59 am
Forum: Personal Investments
Topic: Dividend Investing vs. Index Funds
Replies: 19
Views: 3448

Dividend Investing vs. Index Funds

As Bogleheads, we all know the fallacy of dividend investing and chasing yield. That it's more important to focus on total return. Which is why Index investing makes all the more sense. Yet I've got a friend whom is adamant about only dividend investing and is asking me for advice, if I know of a st...
by kadibex1
Fri Oct 19, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: Home Buying Books. [Looking for books about buying a home]
Replies: 5
Views: 511

Home Buying Books. [Looking for books about buying a home]

So I am in the market of buying a home. Thing is that I know absolutely nothing about real estate. Are there any good book(s) and websites out there, which give you a break down of the step by step process? What to do, what not to do, how to get bang for you buck etc, etc. So I am not going into thi...
by kadibex1
Tue Oct 16, 2018 2:34 pm
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 315
Views: 21053

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

To save everyone the effort of repeating all the back and forth that has happened on the prior threads I will summarize the counter arguments: 1) The future may not look like the past 2) Australia has outperformed the US historically 3) Plenty of good companies outside the US too 4) If you are okay...
by kadibex1
Tue Oct 16, 2018 12:40 pm
Forum: Personal Investments
Topic: Productivity of the 60/40 Split in Current Times
Replies: 6
Views: 1531

Re: Productivity of the 60/40 Split in Current Times

I was reading the following article on the 60/40 split. Does anyone think that there's any validity to it when regarding a three fund portfolio with a 60/40 split? https://www.investopedia.com/articles/financial-advisors/011916/why-6040-portfolio-no-longer-good-enough.asp It's just noise. So tune i...
by kadibex1
Sat Oct 13, 2018 10:56 pm
Forum: Personal Investments
Topic: Vanguard Balanced Index Fund Lovers?
Replies: 46
Views: 8825

Re: Vanguard Balanced Index Fund Lovers?

dumbmoney wrote: Fri Oct 05, 2018 3:15 pm The nice thing about this fund is that it's pretty much guaranteed to stay as-is (or very close), unlike other all-in-one funds which may be jazzed up every few years with new asset classes.
I agree. If it ain't broke, why fix it!
by kadibex1
Fri Oct 05, 2018 12:32 pm
Forum: Personal Investments
Topic: Vanguard Balanced Index Fund Lovers?
Replies: 46
Views: 8825

Re: Vanguard Balanced Index Fund Lovers?

For someone who does not want international stocks, and is primarily investing in an IRA/401k and wants a fixed AA, then this is fine. I would think that given all the discussion about optimizing fees, taxes, AA, etc on BH.org that few would simplify to that extent. . . . . . Tax-efficiency may not...
by kadibex1
Thu Oct 04, 2018 9:44 pm
Forum: Personal Investments
Topic: Vanguard Balanced Index Fund Lovers?
Replies: 46
Views: 8825

Re: Vanguard Balanced Index Fund Lovers?

For someone who does not want international stocks, and is primarily investing in an IRA/401k and wants a fixed AA, then this is fine. I would think that given all the discussion about optimizing fees, taxes, AA, etc on BH.org that few would simplify to that extent. . . . . . Tax-efficiency may not...
by kadibex1
Thu Oct 04, 2018 7:20 pm
Forum: Personal Investments
Topic: Vanguard Balanced Index Fund Lovers?
Replies: 46
Views: 8825

Re: Vanguard Balanced Index Fund Lovers?

I do not currently use the fund. I am retired, we are both 73, and my wife has zero interest in investing. I plan to switch to a one fund portfolio sometime soon, and am torn between Vanguard Balanced Index Fund Admiral Shares (VBIAX) (too little international stock) and Vanguard LifeStrategy Moder...
by kadibex1
Wed Oct 03, 2018 9:40 pm
Forum: Personal Investments
Topic: Vanguard Balanced Index Fund Lovers?
Replies: 46
Views: 8825

Re: Vanguard Balanced Index Fund Lovers?

Just curious to see if there are any Vanguard Balanced Index fund lovers out there who do a one-fund approach to investing and use VBIAX as their sole fund? I have been using the VBIAX fund since I moved my traditional IRA to Vanguard a couple years ago. I have been happy with it so far. I recently...
by kadibex1
Wed Oct 03, 2018 9:38 pm
Forum: Personal Investments
Topic: Vanguard Balanced Index Fund Lovers?
Replies: 46
Views: 8825

Re: Vanguard Balanced Index Fund Lovers?

I do not currently use the fund. I am retired, we are both 73, and my wife has zero interest in investing. I plan to switch to a one fund portfolio sometime soon, and am torn between Vanguard Balanced Index Fund Admiral Shares (VBIAX) (too little international stock) and Vanguard LifeStrategy Moder...
by kadibex1
Wed Oct 03, 2018 2:22 pm
Forum: Personal Investments
Topic: Vanguard Balanced Index Fund Lovers?
Replies: 46
Views: 8825

Vanguard Balanced Index Fund Lovers?

Just curios to see if there are any Vanguard Balanced Index fund lovers out there who do a one-fund approach to investing and use VBIAX as their sole fund?

Personally, I've been investing in VBIAX for over 20 years and haven't looked back.
by kadibex1
Wed Oct 03, 2018 9:58 am
Forum: Personal Investments
Topic: Bonds... Why do people bother with them. ?
Replies: 71
Views: 8158

Re: Bonds... Why do people bother with them. ?

Yup, this is why I only do the Vanguard Balanced index fund for all of my investing. The 60/40 has stood the test of time and so I will stick with it.
by kadibex1
Sat Sep 29, 2018 9:05 pm
Forum: Personal Investments
Topic: David Swensen Portfolio Critique.
Replies: 28
Views: 4114

Re: David Swensen Portfolio Critique.

Yet how does one pick the right duration which eliminates most interest rate risk that comes with say long-term, but has the benefits of deflation protection like long-term and will protect you in a crash like treasuries general did during 2008? What duration is the sweet spot, which will give you t...
by kadibex1
Sat Sep 29, 2018 1:07 pm
Forum: Personal Investments
Topic: David Swensen Portfolio Critique.
Replies: 28
Views: 4114

Re: David Swensen Portfolio Critique.

just want to point out that i'm actually considering selling my reit index in tax-deferred accounts and moving to individual reits in taxable. It sounds crazy right? But... :shock: Oh my! Since you are a Swensen follower....is the allocation listed by this poster the same thing Swensen was suggesti...
by kadibex1
Sat Sep 29, 2018 10:08 am
Forum: Personal Investments
Topic: David Swensen Portfolio Critique.
Replies: 28
Views: 4114

Re: David Swensen Portfolio Critique.

Do you have any better fund recommendations? For your TIPS holding, you might want to consider Schwab's ETF which is cheaper at 0.05%. https://www.etf.com/SCHP The returns between TIP and SCHP are nearly identical with TIP being slightly less volatile and higher interest rate. Are 15 basis points r...
by kadibex1
Sat Sep 29, 2018 12:49 am
Forum: Personal Investments
Topic: David Swensen Portfolio Critique.
Replies: 28
Views: 4114

Re: David Swensen Portfolio Critique.

Oh, I see. So he wasn't trying to achieve a 5 year duration average specifically? But more of a total treasury bond market approach instead?
by kadibex1
Fri Sep 28, 2018 10:20 pm
Forum: Personal Investments
Topic: David Swensen Portfolio Critique.
Replies: 28
Views: 4114

Re: David Swensen Portfolio Critique.

So I want to replicate The David Swensen Portfolio using ETFs. My only question is with the treasury duration part. 30% U.S. Stocks Vanguard Total Stock Mkt Index ETF (VTI) 0.04% 15% Foreign developed stocks Vanguard Developed Market Index ETF (VEA) 0.07% 10% Emerging market stocks Vanguard Emergin...
by kadibex1
Fri Sep 28, 2018 9:36 pm
Forum: Personal Investments
Topic: Using Other Brokerage ETFs At Vanguard?
Replies: 1
Views: 235

Using Other Brokerage ETFs At Vanguard?

If you have a Roth IRA with Vanguard and want to use another ETF fund from say Fidelity or whomever. Can you use that outside fund in your Vanguard Roth IRA?
by kadibex1
Fri Sep 28, 2018 6:29 pm
Forum: Personal Investments
Topic: David Swensen Portfolio Critique.
Replies: 28
Views: 4114

David Swensen Portfolio Critique.

To replicate The David Swensen Portfolio using ETFs. My only question is with the treasury duration part. 30% U.S. Stocks Vanguard Total Stock Mkt Index ETF (VTI) 0.04% 15% Foreign developed stocks Vanguard Developed Market Index ETF (VEA) 0.07% 10% Emerging market stocks Vanguard Emerging Markets S...