My asset allocation is:
International - 40%
US Large Caps - 40%
US Small Caps - 20%
Search found 52 matches
- Sat Jan 09, 2021 12:58 pm
- Forum: Personal Investments
- Topic: How much do you allocate to international equity?
- Replies: 133
- Views: 9448
- Fri Jan 01, 2021 4:51 pm
- Forum: Investing - Theory, News & General
- Topic: What are you up YTD? [Year To Date]
- Replies: 3482
- Views: 578995
Re: What are you up YTD? [Year To Date]
Up 31% YTD with ~20%of my investments in HFEA
- Fri Jan 01, 2021 1:02 pm
- Forum: Personal Consumer Issues
- Topic: What Movie Have You Recently Watched?
- Replies: 6375
- Views: 1434015
Re: What Movie Have You Recently Watched?
Carlito's Way
- Wed Dec 30, 2020 7:10 am
- Forum: Personal Finance (Not Investing)
- Topic: Payoff student loan early?
- Replies: 15
- Views: 1098
Re: Payoff student loan early?
Being that your student loans are at an ~3% rate mathematically it works in your advantage to sell your biggest equity winners. You'll be paying off your loan with more of your gains. This is your reward for using that "dollar" from years back to invest in the market instead of paying mor...
- Tue Dec 29, 2020 8:11 pm
- Forum: Personal Finance (Not Investing)
- Topic: Payoff student loan early?
- Replies: 15
- Views: 1098
Re: Payoff student loan early?
Being that your student loans are at an ~3% rate mathematically it works in your advantage to sell your biggest equity winners. You'll be paying off your loan with more of your gains. This is your reward for using that "dollar" from years back to invest in the market instead of paying more...
- Tue Dec 29, 2020 6:59 pm
- Forum: Personal Finance (Not Investing)
- Topic: Payoff student loan early?
- Replies: 15
- Views: 1098
Re: Payoff student loan early?
Sell long term shares in taxable that have +15% return to pay the loan.
- Mon Nov 30, 2020 7:41 pm
- Forum: Investing - Theory, News & General
- Topic: What are you up YTD? [Year To Date]
- Replies: 3482
- Views: 578995
Re: What are you up YTD? [Year To Date]
I am up 30%+ YTD primarily due to 1)increasing contributions during the market downturn and 2) having twenty percent of my portfolio in a target volatility version of HF Excellent Adventure.
- Sun Nov 29, 2020 1:06 pm
- Forum: Personal Investments
- Topic: Willing to share your Taxable Portfolio?
- Replies: 139
- Views: 11519
Re: Willing to share your Taxable Portfolio?
SCHG - 100% of Taxable Portfolio
- Tue Nov 24, 2020 6:25 pm
- Forum: Investing - Theory, News & General
- Topic: Small Cap Value heads Rejoice !!!
- Replies: 3905
- Views: 299603
Re: Small Cap Value heads Rejoice !!!
This is the way.
- Wed Nov 11, 2020 2:39 pm
- Forum: Personal Consumer Issues
- Topic: Consequences of closing 25y/o checking account?
- Replies: 16
- Views: 1772
- Mon Nov 09, 2020 9:42 am
- Forum: Investing - Theory, News & General
- Topic: Small Cap Value heads Rejoice !!!
- Replies: 3905
- Views: 299603
Re: Small Cap Value heads Rejoice !!!
And so it begins...
- Thu Sep 03, 2020 4:15 pm
- Forum: Investing - Theory, News & General
- Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
- Replies: 7823
- Views: 765589
Re: HEDGEFUNDIE's excellent adventure Part II: The next journey
Do not be afraid, stay the course.
- Fri Aug 21, 2020 12:09 pm
- Forum: Personal Investments
- Topic: 457 Plan Questions
- Replies: 8
- Views: 504
Re: 457 Plan Questions
Hi Everyone, First, thank you everyone who contributes to this forum. I read entries daily and have learned so much from the posts on here. I thank you in advance for helping me with my 457 questions. From watching other posts I am sure I have left something out and can answer any follow-up questio...
- Thu Aug 06, 2020 2:14 pm
- Forum: Investing - Theory, News & General
- Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
- Replies: 7823
- Views: 765589
Re: HEDGEFUNDIE's excellent adventure Part II: The next journey
Honestly, watching my bond holdings (the thing I should be least worried about) was the most gut wrenching thing to watch in March. I had 7-8% get wiped out in maybe 2 weeks.... oh and then a rebalance band kick in forcing me to sell at lows to stick to my IPS (which I did). In your head, you are c...
- Wed Jul 15, 2020 8:17 pm
- Forum: Personal Investments
- Topic: Using 457 for emergency funds
- Replies: 22
- Views: 1046
Re: Using 457 for emergency funds
*duplicate*
- Wed Jul 15, 2020 8:17 pm
- Forum: Personal Investments
- Topic: Using 457 for emergency funds
- Replies: 22
- Views: 1046
Re: Using 457 for emergency funds
I leverage my governmental 457b as my second tier emergency fund. Second tier = job loss
- Thu Jul 09, 2020 4:43 pm
- Forum: Investing - Theory, News & General
- Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
- Replies: 7823
- Views: 765589
Re: HEDGEFUNDIE's excellent adventure Part II: The next journey
HedgeFundie left bogleheads on June 21st...nisiprius wrote: ↑Thu Jul 09, 2020 4:28 pm Any chance of a quarterly update of the performance chart in the initial posting?
viewtopic.php?f=1&t=318155&p=5326882#p5326882
- Tue Jul 07, 2020 11:03 am
- Forum: US Chapters
- Topic: Post your Financial Milestone Announcements Here
- Replies: 2115
- Views: 258268
Re: Post your Financial Milestone Announcements Here
Times are hard for many people in this country, so I feel fortunate to have recently crossed the $100k mark in my retirement accounts.
2020-Jun: $100K
2015-Nov: ...$0K
2020-Jun: $100K
2015-Nov: ...$0K
- Thu Jul 02, 2020 1:19 pm
- Forum: Investing - Theory, News & General
- Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
- Replies: 7823
- Views: 765589
Re: HEDGEFUNDIE's excellent adventure Part II: The next journey
Haven't update my numbers in a while. Still doing target volatility 25% strategy using PV. Allocation is per end of month for the next month (end of month rebalancing). Performance is per end of month. Feb UPRO 42% / TMF 58% Perf.: -9.3% Mar UPRO 9% / TMF 91% Perf.: -10.9% Apr UPRO 21% / TMF 79% Pe...
- Wed Jun 24, 2020 8:59 am
- Forum: Personal Consumer Issues
- Topic: What is the single best piece of exercise equipment you bought for your home?
- Replies: 259
- Views: 17562
- Wed Jun 24, 2020 8:09 am
- Forum: Investing - Theory, News & General
- Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
- Replies: 7823
- Views: 765589
Re: HEDGEFUNDIE's excellent adventure Part II: The next journey
Anyone know if Hedgefundie updated performance? It is my understanding that due to harassment from certain zealots in another thread that he has left the bogleheads website. Search for the last posts by him if you're interested in seeing how to rid the boards of any interesting, thoughtful and help...
- Mon Jun 15, 2020 11:39 am
- Forum: Personal Investments
- Topic: Roth IRA most aggressive fund
- Replies: 26
- Views: 2115
Re: Roth IRA most aggressive fund
TQQQ - 3X Leveraged Nasdaq 100 This answer is theoretically correct but a terrible idea. A 34% drop in the market would result in a 100% loss of your Roth assets. And 7th - don’t mess with the newcomers... I made a mistake by not providing guidance upon answering the question. And I second the noti...
- Mon Jun 15, 2020 10:49 am
- Forum: Personal Investments
- Topic: Roth IRA most aggressive fund
- Replies: 26
- Views: 2115
Re: Roth IRA most aggressive fund
- Sat Jun 13, 2020 3:03 pm
- Forum: Personal Investments
- Topic: Roth IRA most aggressive fund
- Replies: 26
- Views: 2115
Re: Roth IRA most aggressive fund
TQQQ - 3X Leveraged Nasdaq 100
- Wed Jun 10, 2020 10:12 am
- Forum: Investing - Theory, News & General
- Topic: Single Favorite Mutual Fund
- Replies: 102
- Views: 11303
Re: Single Favorite Mutual Fund
HF- PSLDX is interesting... Out of curiosity what is the other 50% of your AA? Would like to get the full picture as part of my analysis.
- Mon May 25, 2020 8:35 pm
- Forum: Personal Finance (Not Investing)
- Topic: Why are you NOT buying rental properties?
- Replies: 1134
- Views: 120891
Re: Why are you NOT buying rental properties?
Because I already have a job.
- Mon May 25, 2020 8:32 pm
- Forum: Personal Finance (Not Investing)
- Topic: The axe falls and I am prepared. What's next?
- Replies: 407
- Views: 39896
Re: The axe falls and I am prepared. What's next?

- Sun May 10, 2020 8:43 am
- Forum: Personal Consumer Issues
- Topic: New Laptop Recommendations
- Replies: 53
- Views: 3968
Re: New Laptop Recommendations
Surface Pro 7 i7... Overall it's the best "laptop" that I've ever had.
- Thu Apr 30, 2020 2:45 pm
- Forum: Personal Investments
- Topic: Pay mortgage or invest?
- Replies: 18
- Views: 1539
Re: Pay mortgage or invest?
Woah, I'm blown away by the thoughtful responses this post received. This is an amazing community <3 Are you maxing out your IRA? I'm currently only maxing out my employer contribution to my retirement plan. I have the option through my employer to do a mega back door roth but I'm not doing that ye...
- Wed Apr 29, 2020 8:17 pm
- Forum: Personal Investments
- Topic: Pay mortgage or invest?
- Replies: 18
- Views: 1539
Re: Pay mortgage or invest?
Are you maxing out your IRA?
- Fri Apr 17, 2020 7:56 pm
- Forum: Personal Consumer Issues
- Topic: How to deal with loud neighbor bass noise in NYC
- Replies: 34
- Views: 2327
Re: How to deal with loud neighbor bass noise in NYC
File an online complaint to 311 everytime.
- Wed Apr 15, 2020 5:39 am
- Forum: Personal Finance (Not Investing)
- Topic: [Government stimulus payments]
- Replies: 361
- Views: 30308
Re: Report when you receive your stimulus check here
Received it today 

- Sun Apr 12, 2020 11:33 am
- Forum: Personal Finance (Not Investing)
- Topic: How often do you login and review your investment accounts?
- Replies: 68
- Views: 2693
Re: How often do you login and review your investment accounts?
I check all of my accounts daily.
- Sat Apr 04, 2020 8:19 am
- Forum: Personal Consumer Issues
- Topic: How are you exercising with gym closures
- Replies: 111
- Views: 6371
Re: How are you exercising with gym closures
I do 100 total pushups before each meal.
- Thu Mar 05, 2020 5:02 pm
- Forum: Investing - Theory, News & General
- Topic: Where My 100% Equities Peeps At?!?
- Replies: 211
- Views: 21810
Re: Where My 100% Equities Peeps At?!?
- Thu Mar 05, 2020 4:49 pm
- Forum: Investing - Theory, News & General
- Topic: Larry Swedroe: "Leveraged ETFs? No Thanks"
- Replies: 30
- Views: 2263
Re: Larry Swedroe: "Leveraged ETFs? No Thanks"
I used to approach these kinds of threads with a defense of LETFs and how they can be used safely to generate above market returns. But now I don't really care to convince anyone any more. If you don't care to change your mind from Bogleheadistic dogma, that's fine. More outperformance for the rest...
- Mon Feb 24, 2020 5:03 pm
- Forum: Personal Finance (Not Investing)
- Topic: How quickly did you receive your 2019 tax refund?
- Replies: 111
- Views: 8745
Re: How quickly did you receive your 2019 tax refund?
Feb-02 Fed Accepted
Feb-26 Return To Be Deposited
Feb-26 Return To Be Deposited
- Sun Feb 23, 2020 6:05 am
- Forum: Personal Consumer Issues
- Topic: Switching from AT&T to Mint Mobile, any drawbacks?
- Replies: 42
- Views: 5945
Re: Switching from AT&T to Mint Mobile, any drawbacks?
I switched to Mint 2 years ago. No issues to date
- Sat Feb 22, 2020 9:12 pm
- Forum: Personal Consumer Issues
- Topic: Did you celebrate when you finally hit $1m?
- Replies: 282
- Views: 34361
Re: Did you celebrate when you finally hit $1m?
I will celebrate without a doubt. 

- Fri Feb 14, 2020 4:42 pm
- Forum: US Chapters
- Topic: Your USER NAME...what does it mean?
- Replies: 555
- Views: 76890
Re: Your USER NAME...what does it mean?
The 6th was taken... 

- Sat Oct 05, 2019 5:55 pm
- Forum: Investing - Theory, News & General
- Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
- Replies: 7823
- Views: 765589
Re: HEDGEFUNDIE's excellent adventure Part II: The next journey
At Risk | $13K
Allocation |55% UPRO / 45% TMF
Start Date | 2019-09-26
Rebalancing | Quarterly
Allocation |55% UPRO / 45% TMF
Start Date | 2019-09-26
Rebalancing | Quarterly
- Tue Jun 11, 2019 7:43 pm
- Forum: Investing - Theory, News & General
- Topic: Naval on getting rich.
- Replies: 79
- Views: 10705
Re: Naval on getting rich.
I heard Naval on Joe Rogans podcast last week and I was wondering where I heard of him and of course it was the Bogleheads forum. I immensely enjoyed the podcast. Bogleheads would be pleased to hear that when he spoke of retirement he mentioned living below your means and having a high savings rate....
- Tue Mar 19, 2019 3:32 pm
- Forum: Investing - Theory, News & General
- Topic: What is your U.S./ex-U.S. stock allocation?
- Replies: 210
- Views: 14629
Re: What is your U.S./ex-U.S. stock allocation?
50% U.S and 50% International 
- Sat Mar 09, 2019 2:36 pm
- Forum: Personal Investments
- Topic: 32 y/o Portfolio Review: Student Loan vs Taxable Debate
- Replies: 10
- Views: 739
Re: 32 y/o Portfolio Review: Student Loan vs Taxable Debate
+1 on paying off student loans
- Sat Mar 02, 2019 4:36 pm
- Forum: US Chapters
- Topic: Post your Financial Milestone Announcements Here
- Replies: 2115
- Views: 258268
Re: Post your Financial Milestone Announcements Here
I've reached $50K in retirement savings earlier in Feb. I started saving 2 years and 2 months ago thanks to Bogleheads.. DW and I have a passive online business that is 2 years old. It turned $20k in profit for 2018. Our first year we broke even. We are not ruled by greed and are loving our small wi...
- Sun Feb 24, 2019 10:28 pm
- Forum: Personal Investments
- Topic: TRS funds handling
- Replies: 11
- Views: 436
Re: TRS funds handling
TRS for New York City?
- Sat Feb 23, 2019 12:07 pm
- Forum: Investing - Theory, News & General
- Topic: Two-Fund Portfolio Role Call
- Replies: 67
- Views: 11679
Re: Two-Fund Portfolio Role Call
50% Small Cap
50% International
*disclaimer: I will have a NYC Pension (w/COLA) upon retirement which will cover our living expenses
50% International
*disclaimer: I will have a NYC Pension (w/COLA) upon retirement which will cover our living expenses
- Wed Feb 20, 2019 11:33 pm
- Forum: US Chapters
- Topic: New York City Local Chapter established
- Replies: 280
- Views: 112746
Re: New York City Local Chapter established
I will have to make the next one.
- Tue Feb 19, 2019 7:54 pm
- Forum: Personal Investments
- Topic: 457 Plan Advice
- Replies: 5
- Views: 512
Re: 457 Plan Advice
I also work for the City. I max the 457 first due to the fact you can take withdrawals upon severance from the City. I then max out the 401k.
To answer your question, the fees are reasonable.
To answer your question, the fees are reasonable.
- Sat Feb 16, 2019 2:51 pm
- Forum: Personal Investments
- Topic: Why international?
- Replies: 636
- Views: 45480
Re: Why international?
Both sides have made excellent arguments, so I decided to split it down the middle and go 50/50. 
