Search found 15 matches

by Risky Dude
Mon Feb 11, 2019 4:37 am
Forum: Investing - Theory, News & General
Topic: Question on International SCV
Replies: 25
Views: 1960

Re: Question on International SCV

I am an Australian so i just split international developed equally into two slices. International developed large and international developed small cap value. I keep international at country weighting. I use IJS for the US portion and DLS for the excluding US portion of my small cap value holdings. ...
by Risky Dude
Sun Feb 10, 2019 8:46 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 309558

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

It would be interesting to here what the late Jack Bogle thinks about this strategy.
by Risky Dude
Sun Feb 10, 2019 8:38 pm
Forum: Investing - Theory, News & General
Topic: Question on International SCV
Replies: 25
Views: 1960

Re: Question on International SCV

DLS tracks very closely to DFA international small cap value and has 0.97 correlation with it. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2019&lastMonth=12&calendarAligned=true&endDate=02%2F10%2F2019&initialAmount=10000&annualOperation...
by Risky Dude
Sat Dec 22, 2018 6:25 pm
Forum: Non-US Investing
Topic: Investing in Stocks & Property
Replies: 14
Views: 937

Re: Investing in Stocks & Property

I don't know how this works in the US, but in Australia we have mortgage offset accounts. A friendly tip... as this is a US-centric forum, it would be helpful to add "[Australia]" to the subject line of the thread, so as to attract people who are acquainted with investing there, and to warn people ...
by Risky Dude
Sat Dec 22, 2018 6:01 am
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 185
Views: 16103

Re: All the "should I be 100% stocks" threads over the last year.

Australian Here... 100% stocks 12.5% Australian Shares Index 12.5% Australian Small Cap Index 12.5% REIT 12.5% Emerging Markets (50/50 large and small) 12.5% International(includes US) Large Cap 12.5% International Large Cap Value 12.5% International Small Cap 12.5% International Small Cap Value Inv...
by Risky Dude
Sat Dec 22, 2018 4:11 am
Forum: Non-US Investing
Topic: Investing in Stocks & Property
Replies: 14
Views: 937

Re: Investing in Stocks & Property

There are several of us here that are real estate investors, but we are a minority. Some threads on BH that get into real estate devolve into nastiness, so be forewarned. I personally view real estate as a far superior retirement funding vehicle than stocks, and currently have five units. But it al...
by Risky Dude
Sat Dec 22, 2018 3:55 am
Forum: Non-US Investing
Topic: Investing in Stocks & Property
Replies: 14
Views: 937

Re: Investing in Stocks & Property

I don't invest in real estate (beyond REITS) because I don't want to deal with it and in many cases I don't think investors benchmark what they get against a REIT ETF/fund. If you do continue to do it because you have the time and inclination, I'd suggest looking at sites like roofstock and others ...
by Risky Dude
Sat Dec 22, 2018 3:44 am
Forum: Non-US Investing
Topic: Investing in Stocks & Property
Replies: 14
Views: 937

Re: Investing in Stocks & Property

I own several rentals. Here's my take: Overall, I don't mind you buying a rental. Assuming your W2 income is significantly higher than your expenses, you seem like a good candidate to buy your first rental. I don't mind your overall level of debt, nor the ratio of debt to equity. With that said, my...
by Risky Dude
Fri Dec 21, 2018 8:52 am
Forum: Non-US Investing
Topic: Investing in Stocks & Property
Replies: 14
Views: 937

Re: Investing in Stocks & Property

Unfortunately most on here are biased and shun property, much the same way that those on property forums shun shares. You will need to search both here and a good property investment forum to get a more rounded picture. And yes cash in offset accounts are as good as emergency fund and bonds as long...
by Risky Dude
Fri Dec 21, 2018 8:40 am
Forum: Non-US Investing
Topic: Investing in Stocks & Property
Replies: 14
Views: 937

Re: Investing in Stocks & Property

My wife is 26 and I am 30. This will be our position when we buy a rental property in a few months assuming flat market from here (I know stocks go up and down). Stocks: $156,000 Rental Property Equity: $50,000 Rental Property Debt: $200,000 Cattle Investment: $20,000 Investment Assets: $426,000 Li...
by Risky Dude
Fri Dec 21, 2018 6:52 am
Forum: Non-US Investing
Topic: Investing in Stocks & Property
Replies: 14
Views: 937

Investing in Stocks & Property

My wife is 26 and I am 30. This will be our position when we buy a rental property in a few months assuming flat market from here (I know stocks go up and down). Stocks: $156,000 Rental Property Equity: $50,000 Rental Property Debt: $200,000 Cattle Investment: $20,000 Investment Assets: $426,000 Lia...
by Risky Dude
Tue Dec 18, 2018 9:33 pm
Forum: Investing - Theory, News & General
Topic: Investing in bonds while you still have a mortgage
Replies: 26
Views: 2776

Re: Investing in bonds while you still have a mortgage

In Australia you can get an offset account against an interest only mortgage. You put money in it and it reduces the size of your mortgage and is fully liquid. There is no point in me owning bonds when it would make more sense to reduce leverage on my investment property mortgage. I will be staying ...
by Risky Dude
Mon Dec 17, 2018 3:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12414
Views: 2147542

Re: U.S. stocks in free fall

I am 100% stocks. I bought more at the end of last week. I am doing fine because I am young and I know my plan is for the long term. Also it makes no sense for me to own bonds because in Australia we have mortgage offset accounts with full liquidity. I would rather reduce exposure to my negative bon...
by Risky Dude
Thu Oct 25, 2018 4:42 am
Forum: Non-US Investing
Topic: Borrowing for House Deposit [Australia]
Replies: 4
Views: 442

Re: Borrowing for House Deposit [Australia]

You are over-optimizing. There's being smart, and then there is being too smart for your own good. Use the cash you have on hand for the down payment. That's plenty smart enough. :beer Also @ Aloha Joe Yeah I was probably just over thinking this. I just like to have that emergency fund there at all...
by Risky Dude
Wed Oct 24, 2018 8:29 pm
Forum: Non-US Investing
Topic: Borrowing for House Deposit [Australia]
Replies: 4
Views: 442

Borrowing for House Deposit [Australia]

Hi there, I am 30 and have about 160K shares in index funds and 60K in cash with 2.9% interest rate. This includes my emergency fund of 25k. 35k of this I plan to use toward a 20% deposit for an investment property. I have free accommodation in my job and I save 30k per year. I want to buy a 300k 3 ...