Search found 116 matches

by Plz
Sun Mar 08, 2020 10:45 pm
Forum: Personal Investments
Topic: Debt levels concern me; do they change your asset allocation or target retirement portfolio size?
Replies: 9
Views: 845

Re: Debt levels concern me; do they change your asset allocation or target retirement portfolio size?

My IPS is generally what Warren Buffett recommends for the average investor. I keep enough cash (T-Bills) to sleep at night. The rest goes into a low cost S&P 500 index fund. I do not hold bonds at all. At current interest rates as Warren Buffett puts it, a 10 year treasury is essentially a price t...
by Plz
Sun Mar 08, 2020 10:43 pm
Forum: Personal Investments
Topic: Debt levels concern me; do they change your asset allocation or target retirement portfolio size?
Replies: 9
Views: 845

Re: Debt levels concern me; do they change your asset allocation or target retirement portfolio size?

First, please do not provide opinions on economic policy, as that will get this thread locked. From a LadyGeek PM: “Thanks for the PM. Although you've asked a valid question, you can't control the replies. The discussion quickly went in the direction of providing opinions on economic policy (debt l...
by Plz
Sat Mar 07, 2020 9:20 pm
Forum: Personal Investments
Topic: Debt levels concern me; do they change your asset allocation or target retirement portfolio size?
Replies: 9
Views: 845

Debt levels concern me; do they change your asset allocation or target retirement portfolio size?

First, please do not provide opinions on economic policy, as that will get this thread locked. From a LadyGeek PM: “Thanks for the PM. Although you've asked a valid question, you can't control the replies. The discussion quickly went in the direction of providing opinions on economic policy (debt le...
by Plz
Thu Mar 05, 2020 7:30 am
Forum: Investing - Theory, News & General
Topic: Are debt levels a cause for concern?
Replies: 17
Views: 1279

Are debt levels a cause for concern?

When I say debt levels, I mean the fact that: 1) US Debt / GDP is at an unprecedented 105%* 2) Global debt / GDP is at 322%* 3) Total corporate debt is also at an all time high* Do you think we will see a debt related crash a la the GFC? Why or why not? 4) The 10 Year US Treasury is at a historicall...
by Plz
Thu Mar 05, 2020 5:25 am
Forum: Investing - Theory, News & General
Topic: Article by the founder of Intuit and Personal Capital: Bitcoin is a scam
Replies: 23
Views: 2276

Re: Article by the founder of Intuit and Personal Capital: Bitcoin is a scam

Just want to bump because we haven’t really heard from bitcoin bulls. I am genuinely curious and want to understand all my options.

I think bitcoin is particularly interesting juxtaposed to the coronavirus pandemic.
by Plz
Fri Feb 28, 2020 2:44 am
Forum: Investing - Theory, News & General
Topic: Article by the founder of Intuit and Personal Capital: Bitcoin is a scam
Replies: 23
Views: 2276

Re: Article by the founder of Intuit and Personal Capital: Bitcoin is a scam

I don't think Bitcoin is a scam, because I haven't seen any evidence that the creator of Bitcoin intended it as a method to defraud people of their money. I do think that Bitcoin's value is unknowable at this point. Bitcoin advocates correctly point out that Bitcoin is backed, or representative of,...
by Plz
Wed Feb 26, 2020 11:42 pm
Forum: Investing - Theory, News & General
Topic: Article by the founder of Intuit and Personal Capital: Bitcoin is a scam
Replies: 23
Views: 2276

Article by the founder of Intuit and Personal Capital: Bitcoin is a scam

I had never seen this April 2018 article until recently: https://www.vox.com/2018/4/24/17275202/bitcoin-scam-cryptocurrency-mining-pump-dump-fraud-ico-value But I thought it might interest the community, especially given these threads: https://www.bogleheads.org/forum/viewtopic.php?t=300778 https://...
by Plz
Mon Jan 27, 2020 1:55 am
Forum: Personal Investments
Topic: Roth IRA Conversion/Ladder double checks
Replies: 16
Views: 1473

Re: Roth IRA Conversion/Ladder double checks

Why is converting from a tIRA to a Roth IRA a bad idea? My original thinking was to just let the money grow tax free. When WOULD it be a good idea? I never said that converting from tIRA to Roth IRA is a bad idea. What I said is that it might be a good idea to keep some money in tIRA. Can you expla...
by Plz
Fri Jan 24, 2020 6:23 pm
Forum: Personal Investments
Topic: Roth IRA Conversion/Ladder double checks
Replies: 16
Views: 1473

Re: Roth IRA Conversion/Ladder double checks

B) What is a Roth conversion ladder and would it be useful to help me convert my Traditional IRA into a Roth IRA? How does it work? This is a long answer and may not even apply to you. I can't figure out why you want to convert your small tIRA to Roth anyway. There are very few situations where tha...
by Plz
Fri Jan 24, 2020 6:21 pm
Forum: Personal Investments
Topic: Who’s Buying Bitcoin?
Replies: 307
Views: 18621

Re: Who’s Buying Bitcoin?

Thank you, I always appreciate your perspective. A few notes based on my observations after fairly extensive research into bitcoin and related cryptocurrencies: 1. Bitcoin is at its heart, speculation. Someone has to come along in the future and pay you more for it than what you paid. Investments ho...
by Plz
Wed Jan 22, 2020 11:41 pm
Forum: Personal Investments
Topic: Who’s Buying Bitcoin?
Replies: 307
Views: 18621

Re: Who’s Buying Bitcoin?

A few notes based on my observations after fairly extensive research into bitcoin and related cryptocurrencies: 1. Bitcoin is at its heart, speculation. Someone has to come along in the future and pay you more for it than what you paid. Investments however can grow without the need for someone else...
by Plz
Wed Jan 22, 2020 11:25 pm
Forum: Personal Investments
Topic: Roth IRA Conversion/Ladder double checks
Replies: 16
Views: 1473

Re: Roth IRA Conversion/Ladder double checks

1) Income from that account might affect your marginal rate on trad->Roth conversions. 2) Yes. Depending on how much you convert, there can be different marginal rates on different amounts. A) Define onerous. B) See How to withdraw funds from your IRA and 401k without penalty before age 59.5 C) Yes...
by Plz
Wed Jan 22, 2020 11:20 pm
Forum: Personal Investments
Topic: Roth IRA Conversion/Ladder double checks
Replies: 16
Views: 1473

Re: Roth IRA Conversion/Ladder double checks

H-Town wrote:
Wed Jan 22, 2020 10:58 pm
Do you have any non-deductible traditional IRA? Or is it all traditional IRA?
All traditional IRA
by Plz
Wed Jan 22, 2020 11:19 pm
Forum: Personal Investments
Topic: Roth IRA Conversion/Ladder double checks
Replies: 16
Views: 1473

Re: Roth IRA Conversion/Ladder double checks

60% of my investments are in a regular investment account, 30% are in a Roth IRA, and 10% are in a Traditional IRA. Can you please help me confirm the following? 1) The 60% in a regular account does not affect the conversion to a Roth IRA. Assuming "regular investment account" is a taxable account,...
by Plz
Tue Jan 21, 2020 11:09 pm
Forum: Personal Investments
Topic: Roth IRA Conversion/Ladder double checks
Replies: 16
Views: 1473

Roth IRA Conversion/Ladder double checks

60% of my investments are in a regular investment account, 30% are in a Roth IRA, and 10% are in a Traditional IRA. Can you please help me confirm the following? 1) The 60% in a regular account does not affect the conversion to a Roth IRA. 2) The cost of converting the Traditional IRA into a Roth IR...
by Plz
Tue Jan 21, 2020 5:42 am
Forum: Personal Investments
Topic: Who’s Buying Bitcoin?
Replies: 307
Views: 18621

Re: Who’s Buying Bitcoin?

A few notes based on my observations after fairly extensive research into bitcoin and related cryptocurrencies: 1. Bitcoin is at its heart, speculation. Someone has to come along in the future and pay you more for it than what you paid. Investments however can grow without the need for someone else...
by Plz
Tue Jan 21, 2020 5:34 am
Forum: Personal Investments
Topic: Who’s Buying Bitcoin?
Replies: 307
Views: 18621

Re: Who’s Buying Bitcoin?

For the price to go up demand must increase not be stable. If the demand is stable, price is stable. To increase demand what may help is a significant rise in price so that the media can report on it and get everyone into FOMO mode. Some good ol’ price manipulation in 2017 created that. That was on...
by Plz
Thu Dec 12, 2019 10:12 pm
Forum: Investing - Theory, News & General
Topic: How exactly is performance calculated?
Replies: 6
Views: 571

How exactly is performance calculated?

Suppose I invest $1000 and in a year the investments are worth $1200, the return calculation is easy. The investment had a return of 20% (200/1000). And an annual return of 20%. Now suppose I invest $1000 at day 1 and another $1000 into the same investment at day 200. At the end of day 365, the tota...
by Plz
Thu Nov 21, 2019 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: What are the best jobs to downshift into?
Replies: 51
Views: 7942

Re: What are the best jobs to downshift into?

Any ideas for low stress jobs that are still intellectually stimulating?
by Plz
Thu Nov 21, 2019 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Year off - need advice!
Replies: 16
Views: 3046

Re: Year off - need advice!

Thegame14 wrote:
Wed Nov 20, 2019 11:18 pm
sounds like your next career can be anything you want including retirement. Id look for a cushy govt job or a passion job, if you still want to persue soemthing in CFO role, I would do it fore no more than 5 years and then retire.
What are good examples of a cushy government job?
by Plz
Fri Nov 15, 2019 4:02 am
Forum: Personal Finance (Not Investing)
Topic: What are the best jobs to downshift into?
Replies: 51
Views: 7942

Re: What are the best jobs to downshift into?

Yes, certainly what’s best for one person is not best for another. This thread was created for idea generation
by Plz
Thu Nov 14, 2019 4:40 am
Forum: Personal Finance (Not Investing)
Topic: What are the best jobs to downshift into?
Replies: 51
Views: 7942

What are the best jobs to downshift into?

Excluding doing the same work part time or consulting for the same line of work.

Two ideas that came to me: working for a nonprofit you care about and working at a golf course.
by Plz
Tue Nov 12, 2019 10:59 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin Talk
Replies: 59
Views: 7747

Re: Bitcoin Talk

For bitcoin bulls, what are your favorite valuation models/frameworks? I’ve read about stock to flow and comparing it to the market cap of gold....but neither methodology seem intellectually honest to me. Are there others? Also, there have been more research done on how the price jump to ~$20k was l...
by Plz
Mon Nov 11, 2019 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Singles/DINKs in HCOL/VHCOL areas, can you please share your budget?
Replies: 21
Views: 3137

Re: Singles/DINKs in HCOL/VHCOL areas, can you please share your budget?

Thanks all for the replies, will adjust the budget accordingly.
by Plz
Fri Nov 08, 2019 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Singles/DINKs in HCOL/VHCOL areas, can you please share your budget?
Replies: 21
Views: 3137

Singles/DINKs in HCOL/VHCOL areas, can you please share your budget?

I’m trying to do the math for a move and see if it would be worthwhile and would love to get some budget data from single people or DINKs (double income no kids) who live in high cost of living or very high cost of living areas. If you wouldn’t mind sharing ballpark numbers, I would really appreciat...
by Plz
Fri Oct 18, 2019 3:32 pm
Forum: Investing - Theory, News & General
Topic: What exactly happens at the back end when I buy a mutual fund or ETF?
Replies: 4
Views: 963

Re: What exactly happens at the back end when I buy a mutual fund or ETF?

Best guess: they net all customer buys/sells today to determine the net deltaCash coming in/out. They compare deltaCash with currentCash and policy to determine if buying/selling securities is required. (If, say, deltaCash is +$1000 and they currently have $20,000 and their policy target is $10,000...
by Plz
Fri Oct 18, 2019 12:13 am
Forum: Investing - Theory, News & General
Topic: What exactly happens at the back end when I buy a mutual fund or ETF?
Replies: 4
Views: 963

What exactly happens at the back end when I buy a mutual fund or ETF?

After I buy $100 of the Vanguard Total Stock Market Mutual Fund, I get $100 worth of the mutual fund at the day’s closing price. What does Vanguard do on the backend? Does it tally all the buy/sell orders from the day and buys/sells the appropriate amount? How does it ensure that it gets the underly...
by Plz
Mon Oct 14, 2019 6:50 pm
Forum: Investing - Theory, News & General
Topic: Bond allocation optimization
Replies: 5
Views: 1142

Re: Bond allocation optimization

See this paper from vanguard on international bond allocation: Global fixed income: Considerations for U.S. investors . In a nutshell, you should probably not use international un hedged bonds unless you have a strong belief that the USD will depreciate by 1% per year. You can use international hed...
by Plz
Mon Oct 14, 2019 1:10 am
Forum: Investing - Theory, News & General
Topic: Bond allocation optimization
Replies: 5
Views: 1142

Bond allocation optimization

A boglehead might have a 70/30 or 60/40 portfolio. There’s a lot of thought and analysis that goes into the domestic vs international equity allocation, but there seems to be less out there for the bond allocation. 1) What are the top factors you consider when choosing which bond funds to invest in?...
by Plz
Tue Oct 08, 2019 8:59 am
Forum: Investing - Theory, News & General
Topic: Bogleheads at Schwab - will you start buying Vanguard ETFs instead?
Replies: 16
Views: 1967

Re: Bogleheads at Schwab - will you start buying Vanguard ETFs instead?

Also, does it matter in any way that VTI’s AUM is so much larger than SCHB? Does it make VTI a bit safer or less likely to face issues?
by Plz
Tue Oct 08, 2019 1:15 am
Forum: Investing - Theory, News & General
Topic: Bogleheads at Schwab - will you start buying Vanguard ETFs instead?
Replies: 16
Views: 1967

Bogleheads at Schwab - will you start buying Vanguard ETFs instead?

You bought SCHB. Now that ETFs are free trades, are you going to stick with it as you continue to save and invest? Or will you switch to VTI?
by Plz
Tue Oct 01, 2019 8:54 am
Forum: Investing - Theory, News & General
Topic: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges
Replies: 106
Views: 11647

Re: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges

Great! So I can buy Vanguard ETFs at schwab for free?

Effectively, is there a difference between holding Vanguard ETFs at Vanguard vs at schwab?

Also, is there a reason to prefer a US total market etf from schwab over vanguard anymore?
by Plz
Tue Sep 17, 2019 7:30 pm
Forum: Personal Consumer Issues
Topic: Retirees that have hobbies that make money - what are they?
Replies: 26
Views: 3555

Re: Retirees that have hobbies that make money - what are they?

From the seasoned retirees thread: Find two hobbies: One to make you money. One to keep you in shape. Many posters, including myself, were curious about the details of such hobbies! If you have a hobby that makes money, what is it? And if you don’t mind sharing, how much does it make/how much did y...
by Plz
Tue Sep 17, 2019 12:27 am
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 113
Views: 22207

Re: Besides Bogleheads, What Are Your Favorite Forums?

Great thread! Wanted to push it to the top so maybe we can learn of more great forums
by Plz
Fri Sep 13, 2019 5:59 am
Forum: Personal Consumer Issues
Topic: Need gift ideas for my parents
Replies: 18
Views: 1537

Need gift ideas for my parents

Found one!
by Plz
Mon Sep 09, 2019 4:23 am
Forum: Investing - Theory, News & General
Topic: Looking at investment asset allocation in more detail than stocks/bonds
Replies: 46
Views: 5876

Re: Looking at investment asset allocation in more detail than stocks/bonds

I believe that the majority of us has a large portion of our investments in low cost index funds/ETFs. Then there are those of us who also hold real estate, RSUs, individual stocks, private equity, sector-specific funds, P2P lending accounts, cryptocurrency, commodities, and leveraged ETFs a la HED...
by Plz
Thu Aug 29, 2019 3:15 am
Forum: Investing - Theory, News & General
Topic: Looking at investment asset allocation in more detail than stocks/bonds
Replies: 46
Views: 5876

Re: Looking at investment asset allocation in more detail than stocks/bonds

But I’m curious - for those of you that have ventured outside of the traditional boglehead portfolio, what did you invest in/are you invested in? How did you do compared to the boglehead portfolio? How big are the non-boglehead investments as a percentage of your total investments? Would you recomm...
by Plz
Thu Aug 22, 2019 8:43 pm
Forum: Investing - Theory, News & General
Topic: Looking at investment asset allocation in more detail than stocks/bonds
Replies: 46
Views: 5876

Re: Looking at investment asset allocation in more detail than stocks/bonds

I think the only case of complete loss would come from the leveraged fund being down 100%/leverage factor in one day?

So say 33.3% for UPRO?
by Plz
Tue Aug 20, 2019 10:16 pm
Forum: Investing - Theory, News & General
Topic: Looking at investment asset allocation in more detail than stocks/bonds
Replies: 46
Views: 5876

Re: Looking at investment asset allocation in more detail than stocks/bonds

Do not include physically held R/E REIT index fund to taste. Search thread archives..lots on this addressing REITs as a diversifier. J🌺 Why don’t you include physical real estate? Oops. Yikes! My typo!!!!!! Do include R/E income property! Apologies 😬 If I remember correctly, you actually have quite...
by Plz
Tue Aug 20, 2019 7:04 pm
Forum: Investing - Theory, News & General
Topic: Looking at investment asset allocation in more detail than stocks/bonds
Replies: 46
Views: 5876

Re: Looking at investment asset allocation in more detail than stocks/bonds

Sandtrap wrote:
Tue Aug 20, 2019 9:41 am
Do not include physically held R/E
REIT index fund to taste. Search thread archives..lots on this addressing REITs as a diversifier.
J🌺
Why don’t you include physical real estate?
by Plz
Tue Aug 20, 2019 1:08 am
Forum: Investing - Theory, News & General
Topic: Looking at investment asset allocation in more detail than stocks/bonds
Replies: 46
Views: 5876

Re: Looking at investment asset allocation in more detail than stocks/bonds

Apart from my small allocation to the Excellent Adventure, my only current deviation from the three-fund portfolio is that I split my bond holdings 50/50 between total bond and long term treasuries. No real estate or individual stocks for me. I sell all my RSUs at the earliest possible time so I do...
by Plz
Mon Aug 19, 2019 11:20 pm
Forum: Investing - Theory, News & General
Topic: Looking at investment asset allocation in more detail than stocks/bonds
Replies: 46
Views: 5876

Looking at investment asset allocation in more detail than stocks/bonds

I believe that the majority of us has a large portion of our investments in low cost index funds/ETFs. Then there are those of us who also hold real estate, RSUs, individual stocks, private equity, sector-specific funds, P2P lending accounts, cryptocurrency, commodities, and leveraged ETFs a la HEDG...
by Plz
Fri Aug 09, 2019 3:13 am
Forum: Personal Finance (Not Investing)
Topic: Silly question - what’s your largest non-essential item as a % of your net worth? Or, what is its dollar value?
Replies: 25
Views: 1921

Silly question - what’s your largest non-essential item as a % of your net worth? Or, what is its dollar value?

What is your largest non-essential item as a percent of your net worth? Or, what is its dollar value? Excluding investments, I have nothing worth over $1,000. I own no jewelry, my car is old and cheap (and considered an essential, more on this later*), and I don’t collect anything. I suppose my cel...
by Plz
Mon Jul 22, 2019 3:39 am
Forum: Investing - Theory, News & General
Topic: [Deleted]
Replies: 176
Views: 27151

Re: Ray Dalio’s latest fearmongering round

So Warren could be pitted against, say, Bridgewater's All Weather fund. I would anticipate Warren would easily beat Bridgewater on return only, but I'd be curious to see how they do comparing Sharpe Ratios.... That's answering the question, how much return did you get per unit of risk that you took...
by Plz
Fri Jul 19, 2019 8:08 am
Forum: Investing - Theory, News & General
Topic: [Deleted]
Replies: 176
Views: 27151

Re: Ray Dalio’s latest fearmongering round

We listen to Buffett because of his long term investment success. Dalio is obviously one of the best managers out there, but is there a way to look up his historical performance like we can for Buffett? Would be interested to see that, but I would add that the only fair comparison would be a risk-a...
by Plz
Fri Jul 19, 2019 7:43 am
Forum: Investing - Theory, News & General
Topic: [Deleted]
Replies: 176
Views: 27151

Re: Ray Dalio’s latest fearmongering round

We listen to Buffett because of his long term investment success. Dalio is obviously one of the best managers out there, but is there a way to look up his historical performance like we can for Buffett? Would be interested to see that, but I would add that the only fair comparison would be a risk-a...
by Plz
Fri Jul 19, 2019 7:41 am
Forum: Investing - Theory, News & General
Topic: Bitcoin Talk
Replies: 59
Views: 7747

Re: Bitcoin Talk

Bitcoin discussion [/quote] Hi again TomCat, I wanted to let you know that I’ve done more reading than I ever thought I would on bitcoin and am still a bit stumped. I thought maybe you could help. 1. What’s a bitcoin worth to you and how do you arrive at this value? 2. What do you think about that ...
by Plz
Fri Jul 19, 2019 7:34 am
Forum: Investing - Theory, News & General
Topic: [Deleted]
Replies: 176
Views: 27151

Re: Ray Dalio’s latest fearmongering round

We listen to Buffett because of his long term investment success.

Dalio is obviously one of the best managers out there, but is there a way to look up his historical performance like we can for Buffett?
by Plz
Fri Jun 28, 2019 2:20 am
Forum: Investing - Theory, News & General
Topic: Bitcoin Talk
Replies: 59
Views: 7747

Re: Bitcoin Talk

I just wanted to start a thread because there is interesting discussion regarding btc in the facebook libra thread ( https://www.bogleheads.org/forum/viewtopic.php?p=4605431#p4605431 ) but prudent correctly directed the thread posts to remain on topic with the OP. Disclaimer I am not a btc proponen...
by Plz
Fri Jun 21, 2019 3:15 am
Forum: Investing - Theory, News & General
Topic: Facebook Libra Cryptocurrency - effect on stocks or bonds?
Replies: 44
Views: 5299

Re: Facebook Libra Cryptocurrency - effect on stocks or bonds?

I’ve always been confused with crypto currencies - maybe someone can help me understand. Gold has value because it is rare and is an actual thing. It’s worth what someone is willing to pay for it, but it can also be used for other things. Intuitively I get this. It’s rarity and I supposeuses give i...