Search found 237 matches

by Spinola
Thu Jun 04, 2020 12:57 am
Forum: Investing - Theory, News & General
Topic: Looking for a similar site to Bogleheads for TIAA
Replies: 15
Views: 1119

Re: Looking for a similar site to Bogleheads for TIAA

For some reason the TIAA Advisor Tool recommends a slice and dice smörgåsbord of high ER funds.. :oops: I would stay in the Target Date 2040 fund, or build a simplified version with the closest ER funds available in her plan. There are many TIAA customers here also, and many old threads, just search...
by Spinola
Wed Jun 03, 2020 12:50 am
Forum: Investing - Theory, News & General
Topic: Wall Street bets international stocks will top US equities in 2020 after a decade-long slump
Replies: 173
Views: 14526

Re: Wall Street bets international stocks will top US equities in 2020 after a decade-long slump

All in with US then I am sure more than one jingoistic, xenophobic Japanese stock market investor said something similar in 1989 .. :oops: I have no idea why jingoism, xenophobia, ethnocentrism, or any other such things so often enter such discussions. They rarely seem to be applicable. Frankly, th...
by Spinola
Wed Jun 03, 2020 12:26 am
Forum: Investing - Theory, News & General
Topic: Investing in International Stocks
Replies: 81
Views: 6704

Re: Investing in International Stocks

Buy the haystack. No one knows nothing. Diversify. The US only jingoistic high-fiving circle crowd are crowing success while businesses are burning and stores are being looted, 40 million are unemployed, 100,000 plus dead, and businesses are furloughing and laying off more workers daily, reducing be...
by Spinola
Wed Jun 03, 2020 12:15 am
Forum: Investing - Theory, News & General
Topic: Wall Street bets international stocks will top US equities in 2020 after a decade-long slump
Replies: 173
Views: 14526

Re: Wall Street bets international stocks will top US equities in 2020 after a decade-long slump

jjface wrote:
Tue Jun 02, 2020 11:36 pm
All in with US then
I am sure more than one jingoistic, xenophobic Japanese stock market investor said something similar in 1989 .. :oops:
by Spinola
Wed May 20, 2020 12:19 am
Forum: Investing - Theory, News & General
Topic: If you have access to TIAA-Traditional, should you own *any* bonds right now?
Replies: 14
Views: 944

Re: If you have access to TIAA-Traditional, should you own *any* bonds right now?

Even TIAA Retirement Advisor Plan (Morningstar) Tool advises holding BOTH. Ranging from 35% Traditional and 23% bonds for their conservative allocations, to 29% Traditional and 18% bonds in moderate allocations and 7% Traditional and 4 % bonds for their more aggressive allocations. A moderate aggres...
by Spinola
Fri May 15, 2020 4:05 pm
Forum: Investing - Theory, News & General
Topic: International market recovery
Replies: 146
Views: 9446

Re: International market recovery

Great post! People plowing money into Japanese equity markets is possibly the definition of an blind fool. Their central bank has been propping those prices up for 8 years and running....as no real investor wants them. It's quants gone wild.... look at what you are buying and quit just saying it's ...
by Spinola
Tue May 12, 2020 8:32 pm
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63165

Re: So bottom is probably behind us....right?

We've had one bottom, yes.. but what about second bottom? :mrgreen:

https://www.youtube.com/watch?v=dLXeL4HbPr4
by Spinola
Thu May 07, 2020 1:25 pm
Forum: Investing - Theory, News & General
Topic: [Are American markets likely to outperform INTL]
Replies: 237
Views: 16095

Re: [Are American markets likely to outperform INTL]

Only country in history to be founded by immigrants and continues to accept new immigrants, in mean g iful quantity Sure, just ask the native Americans. Just about every country in the world has immigrants.. the whole world is a melting pot. One need only take a DNA test.. Only country in history w...
by Spinola
Wed Apr 29, 2020 1:33 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new forecast from Christine Benz
Replies: 38
Views: 6694

Re: Vanguard's new forecast from Christine Benz

We all know that "past performance is indicative of future returns" :oops: and we should all ignore the massive corporate credit bubble and the manipulative share buybacks that will continue to propel US equities to new heights that will outperform the world for decades to come.. nothing ever change...
by Spinola
Tue Apr 21, 2020 3:47 pm
Forum: Investing - Theory, News & General
Topic: For those concerned about International Stocks...
Replies: 78
Views: 6820

Re: For those concerned about International Stocks...

I'll soon be out of International markets. Jack Bogle was on record speaking about simply investing in bonds and the domestic market. If it was good enough for Mr. Bogle, it's certainly good enough for me. No doubt some well respected financial genius in 1980s Japan said something along these lines...
by Spinola
Tue Apr 21, 2020 3:46 pm
Forum: Investing - Theory, News & General
Topic: For those concerned about International Stocks...
Replies: 78
Views: 6820

Re: For those concerned about International Stocks...

I listened to a Michael Burry interview from a while back -- long before the COVID crisis -- wherein he discussed how leveraged international banks are. It scared me straight, after taking into consideration current events. and yet American companies aren't leveraged to the hilt? Riding on a corpor...
by Spinola
Thu Apr 16, 2020 2:25 pm
Forum: Investing - Theory, News & General
Topic: 50 Years of Investing in the World
Replies: 45
Views: 4808

Re: 50 Years of Investing in the World

Great analysis. I'm trying to identify the "bottom line" for an equity portfolio that (in my case) basically follows the MSCI ACWI - which is split roughly 56% US, 35% International, and 9% EM. Sorry if I missed it, but if the takeaway is to tilt 20% higher towards domestic, what would the MSCI ACW...
by Spinola
Thu Apr 16, 2020 1:19 am
Forum: Investing - Theory, News & General
Topic: 50 Years of Investing in the World
Replies: 45
Views: 4808

Re: 50 Years of Investing in the World

Well done, thank you! Nice to see fact based research to help investors make their decisions.
by Spinola
Sun Apr 12, 2020 10:55 am
Forum: Investing - Theory, News & General
Topic: Is there a theoretical chart constructed for a 60/40 AA for the past 2000 years?
Replies: 30
Views: 2130

Re: Is there a theoretical chart constructed for a 60/40 AA for the past 2000 years?

geerhardusvos wrote:
Sat Apr 11, 2020 12:22 am
Even the apostle Paul invested in VTSAX 8-)
and even back then they argued bitterly that there was no need to invest in anything but Roman equities, after all they had always outperformed stocks of every other empire for centuries... :mrgreen:
by Spinola
Sat Apr 11, 2020 12:22 pm
Forum: Investing - Theory, News & General
Topic: How do you buy gold?
Replies: 5
Views: 551

Re: How do you buy gold?

Plenty of Gold ETFs, some even own actual gold bars.

https://www.etf.com/channels/gold-etfs

Many threads on this subject, just search..

viewtopic.php?t=276118

and the Wiki

https://www.bogleheads.org/wiki/Gold
by Spinola
Fri Apr 10, 2020 6:15 pm
Forum: Investing - Theory, News & General
Topic: High Yield bonds in stock allocation
Replies: 33
Views: 1573

Re: High Yield bonds in stock allocation

This has been discussed before. https://www.bogleheads.org/forum/viewtopic.php?t=295729 Vanguard has a paper on the subject. While high yield bonds do move more in tandem with stocks, they are bonds none-the-less. I like them as a diversifier and have a small chunk in my Roth IRA, as well as some in...
by Spinola
Fri Apr 10, 2020 12:29 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1111
Views: 110541

Re: Jack Bogle - Two Fund Portfolio

I agree. I noticed yet again with this latest market pullback that the international funds (and I used to have Total International, International REIT, and International Bond) pulled back much farther than the US counterparts. Then to compound that, thus far the international funds have not increas...
by Spinola
Thu Apr 09, 2020 4:04 pm
Forum: Investing - Theory, News & General
Topic: $2.3 trillion from Fed, unemployment, etc.
Replies: 36
Views: 3003

Re: $2.3 trillion from Fed, unemployment, etc.

I'm so old I can remember the days when people were screaming about the completely fictional notion of "death panels." Now we have people seriously discussing just letting the old folks die because they already have one foot in the grave. the death panels existed all along and still exist... the in...
by Spinola
Sun Apr 05, 2020 10:55 pm
Forum: Investing - Theory, News & General
Topic: What percentage of your paycheck do you invest?
Replies: 268
Views: 16355

Re: What percentage of your paycheck do you invest?

Me 20% of gross to 403b
employer contributes 8%
Also contribute max to Roth every year
and contribute 10% of self-employment income to SEP IRA
by Spinola
Sat Apr 04, 2020 11:43 am
Forum: Investing - Theory, News & General
Topic: International stocks are undervalued!
Replies: 83
Views: 9131

Re: International stocks are undervalued!

By comparison, US stock ETFs sell for MUCH higher multiples. Check out these price/book ratios from Morningstar: 1. VOO (Vanguard Total Stock Market ETF): 2.58 2. MOAT (VanEck Vectors Morningstar Wide Moat ETF): 2.63, nearly triple the multiple of MOTI (0.94) 3. VTI (Vanguard S&P 500 ETF): 2.7 OP, ...
by Spinola
Tue Mar 31, 2020 7:53 pm
Forum: Investing - Theory, News & General
Topic: Investments you wouldn't touch with a 10 foot pole
Replies: 110
Views: 9175

Re: Investments you wouldn't touch with a 10 foot pole

92irish wrote:
Tue Mar 31, 2020 7:28 pm
Spinola wrote:
Tue Mar 31, 2020 11:57 am

Anything with an ER greater than my shoe size with a decimal point in front of it..

:mrgreen:

Anything with an ER greater than my shoe size with a decimal point and a zero in front of it.
I'm a size 10, so a 0.010 ER would be nice.. :beer
by Spinola
Tue Mar 31, 2020 11:57 am
Forum: Investing - Theory, News & General
Topic: Investments you wouldn't touch with a 10 foot pole
Replies: 110
Views: 9175

Re: Investments you wouldn't touch with a 10 foot pole

Any cryptocurrency
Anything with an ER greater than my shoe size with a decimal point in front of it..
Any individual stock
Anything recommended by an "expert" stock picker
Anything I can't read up on and understand in 5 minutes or less
Beanie babies
:mrgreen:
by Spinola
Tue Mar 31, 2020 1:03 am
Forum: Investing - Theory, News & General
Topic: There Is No Gold
Replies: 160
Views: 12289

Re: There Is No Gold

james22 wrote:
Thu Mar 26, 2020 1:30 pm
If you own gold, you likely own lead too.
But someone will always have more lead than you.. and be better at delivering it effectively.
by Spinola
Sat Mar 28, 2020 10:02 pm
Forum: Investing - Theory, News & General
Topic: Mortgage - Keep balance as High as Possible
Replies: 162
Views: 11497

Re: Mortgage - Keep balance as High as Possible

So if you ever do manage to pay off that $350,00 mortgage, it will be closer to a 2 million dollar mortgage.. :oops:
by Spinola
Fri Mar 27, 2020 3:59 pm
Forum: Investing - Theory, News & General
Topic: Is the 2 Fund Portfolio the new "3 Fund portfolio"?
Replies: 59
Views: 4572

Re: Is the 2 Fund Portfolio the new "3 Fund portfolio"?

ONNAIT

Oh No! Not another International thread! :oops: :oops:
by Spinola
Wed Mar 25, 2020 9:26 am
Forum: Investing - Theory, News & General
Topic: Why does anyone invest in international funds?
Replies: 306
Views: 18212

Re: Why does anyone invest in international funds?

Because recency bias is a thing.. Because home bias is a thing. Because nothing lasts forever. Because today's winners are tomorrow's losers. Because no one knows what will happen next. Diversification. Don't bet on just one horse. Because the United States economy may end up with a situation far wo...
by Spinola
Sat Mar 21, 2020 11:55 am
Forum: Investing - Theory, News & General
Topic: 2020 COVID Crash Lessons
Replies: 157
Views: 12804

Re: 2020 COVID Crash Lessons

EFF_fan81 wrote:
Sat Mar 21, 2020 11:43 am
if you turn the ship back to port every time there are storm clouds on the horizon, will you ever reach your destination?
True. :beer
by Spinola
Thu Mar 19, 2020 4:18 pm
Forum: Investing - Theory, News & General
Topic: How many funds do you have in your portfolio?
Replies: 167
Views: 12072

Re: How many funds do you have in your portfolio?

I am not a slicer/dicer, but the multitude of accounts dictates my choice in funds.. in current 403b plan (employer contributions) TIEIX Total US Market index VTIAX Total International index (will switch to iShares MSCI EAFE International Index Fund soon, for the lower ER mostly ) DFGEX US/Internati...
by Spinola
Wed Mar 18, 2020 9:42 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age ? and this crisis ?
Replies: 170
Views: 9275

Re: What is your AA, given your age ? and this crisis ?

Age 52 My AA has been rebalancing itself.. it is now 56% stock (approx. 2/3 US and ⅓ Intl..), it was 62 % stocks a just a few days ago... :shock: 37% TIAA Traditional / 3% Bonds 4 % TIAA Real Estate I haven't done anything but make my usual scheduled payroll contributions and made my final Roth cont...
by Spinola
Sun Mar 15, 2020 11:40 pm
Forum: Investing - Theory, News & General
Topic: So what does shutting down the US economy for a few months look like?
Replies: 200
Views: 15083

Re: So what does shutting down the US economy for a few months look like?

A lot of already struggling brick and mortar retailers will see their last days in this crisis, sadly. It will be a domino effect, going on for a long time. :|
by Spinola
Wed Feb 26, 2020 5:24 pm
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 500
Views: 42617

Re: The Calm Post - Stay the course thread.

watchnerd wrote:
Wed Feb 26, 2020 5:06 pm
What is "Guaranteed" in your AA graph?
TIAA Traditional. Currently earning an average interest rate of 3.95% across all my "vintages"
by Spinola
Wed Feb 26, 2020 11:23 am
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 500
Views: 42617

Re: The Calm Post - Stay the course thread.

I am staying the course. My AA allows me to rest easy. It has rebalanced itself from 62% equities downward a bit .. 8-) I rode out the 2008 crisis with a similar AA and my portfolio more than tripled since then. Also making my contributions as usual, into 403b automated and just made a Roth contribu...
by Spinola
Tue Feb 11, 2020 1:38 pm
Forum: Investing - Theory, News & General
Topic: Does International investment still make sense?
Replies: 312
Views: 15780

Re: Does International investment still make sense?

KlangFool wrote:
Mon Feb 10, 2020 5:19 pm
OP,

If everything that you buy is doing well, you have no diversification.

KlangFool
This Î Î Î Î
by Spinola
Sun Feb 09, 2020 12:37 pm
Forum: Investing - Theory, News & General
Topic: A Boglehead's Edward Jones Question
Replies: 46
Views: 4345

Re: A Boglehead's Edward Jones Question

It makes no sense whatsoever...Avoid EJ like Coronavirus.
by Spinola
Wed Feb 05, 2020 11:59 am
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1156
Views: 100752

Re: Well, I am market timing... Wish me luck.

If I were 34 again, I'd be 100% total market index. Period. Now that I am 52, and hope to retire in 8 years, I'm 62% stocks, 35% TIAA Traditional and bonds, 3% (and growing steadily) TIAA Real Estate. Turn off the TV, ignore the noise. No one knows nothin'.
by Spinola
Tue Jan 21, 2020 10:35 pm
Forum: Investing - Theory, News & General
Topic: ETF to Hold for 50 Years
Replies: 118
Views: 10448

Re: ETF to Hold for 50 Years

For a 50 year period, only 1 fund, one more vote for VT.
by Spinola
Tue Jan 07, 2020 11:45 am
Forum: Investing - Theory, News & General
Topic: Apple stock
Replies: 37
Views: 3648

Re: Apple stock

Apple can't keep selling consumers less product for more money indefinitely.. that seems to be the business strategy in a nutshell.
:oops:
by Spinola
Mon Jan 06, 2020 11:09 am
Forum: Investing - Theory, News & General
Topic: Does Windows 7 void your Vanguard fraud reimbursement?
Replies: 69
Views: 5046

Re: Does Windows 7 void your Vanguard fraud reimbursement?

Windows 7 will no longer receive updates, so it will become a burgeoning security issue. Update to Windows 10, or better yet install Linux. Ubuntu is a good choice. It will breathe new life into old hardware, it is secure, fast, stable, free and open source. Everything Windows is NOT.. There is a re...
by Spinola
Wed Dec 25, 2019 1:14 am
Forum: Investing - Theory, News & General
Topic: What is the rationale for cash in your portfolio?
Replies: 130
Views: 9700

Re: What is the rationale for cash in your portfolio?

The TIAA robo Retirement Advisor Plans recommend from 5% in MM for the moderate plans (58% stock, 20% TIAA Traditional, 13% bonds. 4 % TIAA Real Estate, 5% MM), to 2% for their more aggressive plans (83% Stocks, 7% TIAA Traditional, 4% Bonds, 4% TIAA Real Estate, 2 % MM). Not sure what the rationale...
by Spinola
Fri Dec 13, 2019 1:05 am
Forum: Investing - Theory, News & General
Topic: Semi-Passive Index Fund?
Replies: 13
Views: 878

Re: Semi-Passive Index Fund?

CREF Stock is a hybrid, part tracks the Russell 3000 index, part quantitative and part actively managed, and is 70% US, 30% international. I am sure there are more funds like this.

https://www.tiaa.org/public/investment- ... =268555492
by Spinola
Wed Nov 27, 2019 10:34 am
Forum: Investing - Theory, News & General
Topic: Starting my Roth at 46 , I'm still ahead of a lot of people right?
Replies: 26
Views: 3662

Re: Starting my Roth at 46 , I'm still ahead of a lot of people right?

You are 4 years ahead of me, and most people. I didn't start Roth IRA contributions until I was 50.. It's all relative. I am still on track to retire at 62. Everyone's situation is different.
It's only too late once you are dead. Until then, plan, save, contribute, invest.. :sharebeer
by Spinola
Fri Oct 25, 2019 9:28 am
Forum: Investing - Theory, News & General
Topic: BND vs TIAA Traditional for Fixed Income
Replies: 8
Views: 481

Re: BND vs TIAA Traditional for Fixed Income

Some of my TIAA vintages are earning 4% to 4.4 % and a guaranteed rate of 3% on most of my vintages (1994-2001 and 2002 -2011), which are in the illiquid fund. Overall, given the current gloomy outlook, I am happy to have TIAA traditional option, about 37% of my AA, and another 2.5% is in VBTLX and ...
by Spinola
Mon Jul 29, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: Box wine- update and recommendations?
Replies: 73
Views: 7893

Re: Box wine- update and recommendations?

Image

My local store has this for $15.99 for 3 L. Very good.
by Spinola
Tue Jul 09, 2019 1:23 pm
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 278
Views: 27115

Re: Crypto bulls are back. Are you getting in?

The crypto bulls are in fact racing, right off a cliff. BTC is over $12K. :oops:
by Spinola
Mon Jul 08, 2019 10:40 pm
Forum: Investing - Theory, News & General
Topic: International REIT
Replies: 75
Views: 13473

Re: International REIT

I invest in DFGEX- DFA Global Real Estate Securities, about 6.6 % of my portfolio.. https://www.morningstar.com/funds/xnas/dfgex/quote.html It is composed of approximately 2/3 US REIT and 1/3 international REITs. It has served me well. I also have about 2% (target is 4 to 5%) in TIAA Real Estate to ...
by Spinola
Thu Jul 04, 2019 12:46 am
Forum: Investing - Theory, News & General
Topic: Unsolicited Diamond Investment Call
Replies: 26
Views: 2364

Re: Unsolicited Diamond Investment Call

I would have offered to sell HER some blood diamonds.. :mrgreen:

Never answering unknown numbers is a great idea. I do this. Over the years this saved me many hours, possibly even days of my lifetime. This time recovered by not listening to sales pitches or outright scams, is well worth it.
by Spinola
Sun Jun 30, 2019 9:21 pm
Forum: Investing - Theory, News & General
Topic: What do you hold in your IRA and Why?
Replies: 48
Views: 4158

Re: What do you hold in your IRA and Why?

Roth IRA holds VTI, TIAA Large Cap Growth Index fund, TIAA Small Cap blend index fund, Emerging Markets Index fund. Reason: aggressive growth.
SEP IRA has TIAA Large Cap growth Index fund, TIAA Small Cap blend index fund, Emerging Markets Index fund and TIAA Real Estate. Growth with some stability.
by Spinola
Fri Jun 28, 2019 12:55 pm
Forum: Investing - Theory, News & General
Topic: Hitting Critical Mass and then dealing with those feelings of Surreal
Replies: 51
Views: 7140

Re: Hitting Critical Mass and then dealing with those feelings of Surreal

Congratulations :sharebeer , that is not a bad problem to have.. I wish I could share my experiences with this, but I am not quite at your level yet. If I were, I would be retired already. My only advice is to stop worrying and enjoy life. If market swings are keeping you up at night, maybe you shou...
by Spinola
Sun Jun 23, 2019 12:48 am
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 278
Views: 27115

Re: Crypto bulls are back. Are you getting in?

The more bullish Bitcoin is, the further away one should be.. :mrgreen: