Search found 676 matches

by Brianmcg321
Mon May 25, 2020 8:55 am
Forum: Personal Investments
Topic: How do you retire early if your money is tied up in tax deferred?
Replies: 26
Views: 3551

Re: How do you retire early if your money is tied up in tax deferred?

If a person wants to retire at age 53, they need to start setting up their investments in their late 40s to facilitate that goal. Sounds like you didn't do that. My advice is not to retire for a few more years. I am only 39 actually. My example was a hypothetical. How do I set up the investments in...
by Brianmcg321
Mon May 25, 2020 3:22 am
Forum: Investing - Theory, News & General
Topic: Is it safe to connect finance.yahoo.com with broker?
Replies: 7
Views: 575

Re: Is it safe to connect finance.yahoo.com with broker?

Yahoo has had so many breaches of security it would be crazy to do that.

I don’t trust Yahoo even for my fantasy sports leagues anymore.
by Brianmcg321
Thu May 21, 2020 11:01 am
Forum: Personal Investments
Topic: Growth fund mutual fund vs. Total stock market index
Replies: 15
Views: 723

Re: Growth fund mutual fund vs. Total stock market index

Whats the return after expenses?
by Brianmcg321
Wed May 20, 2020 12:25 am
Forum: Personal Consumer Issues
Topic: Ford F150 Engine long term reliability - V8 versus Turbo V6?
Replies: 62
Views: 3757

Re: Ford F150 Engine long term reliability - V8 versus Turbo V6?

V8 hands down.

Less parts that can break vs a turbo.

Also the V8 gets better gas mileage when towing or with a full bed.
by Brianmcg321
Tue May 19, 2020 10:28 am
Forum: Personal Investments
Topic: Help me correct my Dad's Retirement Portfolio
Replies: 14
Views: 1453

Re: Help me correct my Dad's Retirement Portfolio

I wouldn't wait. I would get him in a good index fund now.

What if the stock never recovers.
by Brianmcg321
Sun May 17, 2020 6:20 am
Forum: Personal Investments
Topic: 500K to Invest
Replies: 9
Views: 1289

Re: 500K to Invest

80% of VTSAX is the S&P 500. No need to double up on those two for simplicity reasons.

I would do 60/40 with VTSAX and the G fund.
by Brianmcg321
Sun May 17, 2020 6:14 am
Forum: Investing - Theory, News & General
Topic: Big changes to S&P 500?
Replies: 24
Views: 2458

Re: Big changes to S&P 500?

It’s like the people that wrote that article don’t even know how the index works.
by Brianmcg321
Fri May 15, 2020 8:35 pm
Forum: Personal Investments
Topic: Has anyone else invested this way?
Replies: 13
Views: 1187

Re: Has anyone else invested this way?

Warren Buffett approved.
by Brianmcg321
Sun May 10, 2020 1:43 pm
Forum: Personal Consumer Issues
Topic: Buying a used Jaguar
Replies: 40
Views: 2514

Re: Buying a used Jaguar

Have you considered a used Camry?
by Brianmcg321
Sun May 10, 2020 7:20 am
Forum: Personal Consumer Issues
Topic: Is it worth buying an infant car seat for each car.
Replies: 71
Views: 3147

Re: Is it worth buying an infant car seat for each car.

I would say you need three. One for each car and an extra if you ride with someone else, grandparent, sitter etc.
by Brianmcg321
Wed May 06, 2020 8:33 pm
Forum: Investing - Theory, News & General
Topic: Why is lump sum investment option better than DCA?
Replies: 156
Views: 5709

Re: Why is lump sum investment option better than DCA?

The longer your money is in the market the better.
by Brianmcg321
Wed May 06, 2020 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Payoff Mortgage in 2 years or max out 401k
Replies: 34
Views: 1986

Re: Payoff Mortgage in 2 years or max out 401k

I would keep maxing our your 401k at least until you’re 40.

Then just add $100 a month to your payment every year to keep your savings rate high.
by Brianmcg321
Wed May 06, 2020 7:10 am
Forum: Investing - Theory, News & General
Topic: Why doesn’t BRK just buy SP500 index fund?
Replies: 37
Views: 3478

Re: Why doesn’t BRK just buy SP500 index fund?

If the CEO claims that SP500 index funds are very difficult to beat, what is stopping BRK from dumping several billion into an S&P500 index fund? It’s difficult to beat for normal people. Buffett and Munger are not normal. And like another poster said, they buy entire companies and change managemen...
by Brianmcg321
Thu Apr 23, 2020 7:50 pm
Forum: Investing - Theory, News & General
Topic: Optimal timing of automatic investments
Replies: 6
Views: 434

Re: Optimal timing of automatic investments

The best time to invest is when you have the money.
by Brianmcg321
Thu Apr 16, 2020 9:17 pm
Forum: Personal Investments
Topic: Anyone preparing to sell all their stock holdings to raise cash?
Replies: 36
Views: 3113

Re: Anyone preparing to sell all their stock holdings to raise cash?

kareysue wrote:
Thu Apr 16, 2020 8:48 pm
Since the market is getting close again to the highs set early this year do you guys plan to sell into the rally tomorrow and raise cash so during the next downturn we will have more cash to buy stocks?
When is the next downturn going to be?

What if it's fifteen years from now?
by Brianmcg321
Wed Apr 15, 2020 9:03 am
Forum: Investing - Theory, News & General
Topic: Life Strategy VS Target Date funds
Replies: 12
Views: 1043

Re: Life Strategy VS Target Date funds

justglassin wrote:
Wed Apr 15, 2020 9:00 am
Are either acceptable in a taxable account? Does one have a more tax-efficient approach?
I wouldn’t use either in a taxable. Due to the rebalancing and the bonds they throw off a lot of taxes. If your in a low tax bracket and your not talking about a lot of money then there may not be an issue.
by Brianmcg321
Tue Apr 14, 2020 8:51 am
Forum: Investing - Theory, News & General
Topic: Charles Schwab on AA -"Youre Fifty now what?"
Replies: 15
Views: 1601

Re: Charles Schwab on AA -"Youre Fifty now what?"

You always need to consider the source when reading about AA. Schwab is a stock man. He’s a big believer in stocks, like Buffet. He understands the market a lot better than the average person, who just wants a comfortable retirement. He’s not going to be white knuckling it when the market drops 30%....
by Brianmcg321
Mon Apr 13, 2020 3:07 pm
Forum: Personal Consumer Issues
Topic: Stale Gasoline?
Replies: 25
Views: 1824

Re: Stale Gasoline?

Just put a can of stabilizer in it. Will be fine.
by Brianmcg321
Mon Apr 13, 2020 3:01 pm
Forum: Personal Consumer Issues
Topic: Raised Garden Beds - Building Material
Replies: 40
Views: 1937

Re: Raised Garden Beds - Building Material

We built three raised beds about 4 years ago. We used cinder blocks. Got them on sale. Just stack them up three high to the height my wife wanted. Then got a couple of loads of soil in my truck bed from a fertilizer distributed. I didn’t do any ground prep or securing of the blocks and they have sta...
by Brianmcg321
Sun Apr 12, 2020 11:58 am
Forum: Personal Investments
Topic: Is it worth it? Fidelity to Vanguard
Replies: 17
Views: 1208

Re: Is it worth it? Fidelity to Vanguard

All my stuff is at Vanguard. If I was already with Fidelity I wouldn't move it. I had a 401k with fidelity for about 5 years and I really like their website and app.
by Brianmcg321
Sat Apr 11, 2020 1:34 pm
Forum: Investing - Theory, News & General
Topic: Why do investors say stock picking is risky?
Replies: 79
Views: 4274

Re: Why do investors say stock picking is risky?

Picking stocks is easy. Just pick the ones that go up in value.

If it goes down in value, don’t buy it.
by Brianmcg321
Thu Apr 09, 2020 8:41 pm
Forum: Investing - Theory, News & General
Topic: Head Fakes and Dead Cats .. your thoughts on the rally?
Replies: 386
Views: 32135

Re: Head Fakes and Dead Cats .. your thoughts on the rally?

A fellow on CNBC (don't crucify me... it seemed to make sense) said~: When P/E's are at 15 then you are buying the future 15 years of earnings at today's price. If we have 3 quarters of 0 earnings that's 5% of the earnings wiped away. Earnings can also fall below 0. All businesses have fixed costs ...
by Brianmcg321
Wed Apr 08, 2020 9:27 pm
Forum: Personal Investments
Topic: Do we need to rebalance Vanguard Target Retirement Funds ?
Replies: 16
Views: 1247

Re: Do we need to rebalance Vanguard Target Retirement Funds ?

According to the VG site you already own total bond. As of 2/29/2020 the Target Retirement 2035 Fund consisted of: Vanguard Total Stock Market Index Fund Investor Shares 44.90% Vanguard Total International Stock Index Fund Investor Shares 30.10% Vanguard Total Bond Market II Index Fund Investor Sha...
by Brianmcg321
Tue Apr 07, 2020 9:00 pm
Forum: Personal Investments
Topic: Do we need to rebalance Vanguard Target Retirement Funds ?
Replies: 16
Views: 1247

Re: Do we need to rebalance Vanguard Target Retirement Funds ?

What year fund do you have? Does it match your risk tolerance and timeframe?
by Brianmcg321
Fri Apr 03, 2020 7:59 pm
Forum: Investing - Theory, News & General
Topic: If you could go back to 1/1/2000 and buy just one asset category -- gold, stocks, or bonds -- which would you pick?
Replies: 97
Views: 4102

Re: If you could go back to 1/1/2000 and buy just one asset category -- gold, stocks, or bonds -- which would you pick?

I would invest half of it in low risk mutual funds and then take the other half over to my friend Asadulah who works in securities.
by Brianmcg321
Wed Apr 01, 2020 5:47 pm
Forum: Investing - Theory, News & General
Topic: Last drawdown info in PV Portfolio Visualizer
Replies: 22
Views: 1057

Re: Last drawdown info in PV Portfolio Visualizer

international001 wrote:
Wed Apr 01, 2020 4:40 pm
nix4me wrote:
Wed Apr 01, 2020 2:25 pm
Sure it was - your graph shows it had the highest return.
By a tiny margin, and with lots more of volatility!
If you start in 2011, stocks even lose
The volatility you experience is directly related to how many times per day you check your balance.
by Brianmcg321
Wed Apr 01, 2020 9:59 am
Forum: Investing - Theory, News & General
Topic: Buying only top 10 S&P500 companies every year
Replies: 55
Views: 3352

Re: Buying only top 10 S&P500 companies every year

So you’d buy high then sell low.

That should work.
by Brianmcg321
Sat Mar 28, 2020 6:21 pm
Forum: Investing - Theory, News & General
Topic: Mortgage - Keep balance as High as Possible
Replies: 162
Views: 11487

Re: Mortgage - Keep balance as High as Possible

Lol. This is ridiculous.

So you'll never pay off your house?

You should ask people that paid off their house how great that is.
by Brianmcg321
Tue Mar 24, 2020 9:46 pm
Forum: Personal Investments
Topic: [Differences in strategies: Ramsey vs Bogle]
Replies: 60
Views: 3819

Re: Ramsey or Bogle?

macheta wrote:
Tue Mar 24, 2020 9:14 pm

4) He's not a fan of HSA's. (I love my HSA)

He talks about investing in HSAs all the time.

https://www.youtube.com/watch?v=eGNSRTcWcNY
by Brianmcg321
Tue Mar 24, 2020 5:31 pm
Forum: Investing - Theory, News & General
Topic: Why does anyone invest in international funds?
Replies: 306
Views: 18193

Re: Why does anyone invest in international funds?

livesoft wrote:
Tue Mar 24, 2020 5:27 pm
Are you trying to shift discussions back to normal? If so, then consider this a trite response that just increases my post count. Thank you!
Yes. High five.
by Brianmcg321
Tue Mar 24, 2020 5:24 pm
Forum: Investing - Theory, News & General
Topic: Why does anyone invest in international funds?
Replies: 306
Views: 18193

Why does anyone invest in international funds?

Why does anyone invest in international funds? Their returns are terrible.










Your welcome everyone. Just doing my part. :sharebeer
by Brianmcg321
Tue Mar 24, 2020 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Support for Teens/College Kids Who've Had Hours Cut
Replies: 28
Views: 1888

Re: Support for Teens/College Kids Who've Had Hours Cut

For college kids, I would send them each $50 a week. That would give them plenty of spending money.
by Brianmcg321
Tue Mar 24, 2020 5:15 pm
Forum: Investing - Theory, News & General
Topic: Todays +10 percent gain from QE?
Replies: 52
Views: 3884

Re: Todays +10 percent gain from QE?

I think its the dead cat mouse.
by Brianmcg321
Tue Mar 24, 2020 5:04 pm
Forum: Personal Investments
Topic: [Differences in strategies: Ramsey vs Bogle]
Replies: 60
Views: 3819

Re: Ramsey or Bogle?

willthrill81 wrote:
Tue Mar 24, 2020 4:45 pm
Nate79 wrote:
Tue Mar 24, 2020 4:37 pm
But we haven't had a Dave Ramsey bash thread in what? 1 week?
Nah, it's been at least two weeks. We're way overdue.
Its a sign things are getting back to normal.

Now if someone would just start an international is dumb thread.
by Brianmcg321
Tue Mar 24, 2020 4:16 pm
Forum: Personal Investments
Topic: [Differences in strategies: Ramsey vs Bogle]
Replies: 60
Views: 3819

Re: Ramsey or Bogle?

I'm as big a fan of Dave Ramsey as there is around here, and I would never tell anyone to follow his investment advice.

I send folks to this forum and give them Jacks books and also recommend JL Collins.

Keep it simple.
by Brianmcg321
Tue Mar 24, 2020 4:13 pm
Forum: Investing - Theory, News & General
Topic: What is the point of stocks?
Replies: 101
Views: 6484

Re: What is the point of stocks?

What are passive index stocks anyway?
by Brianmcg321
Tue Mar 24, 2020 11:37 am
Forum: Personal Investments
Topic: Please recommend 401k Allocation with new Employer
Replies: 10
Views: 484

Re: Please recommend 401k Allocation with new Employer

With those choices I'd just put it in the Target Retirement fund of your choice.

Strange they don't offer a Vanguard total market index.
by Brianmcg321
Tue Mar 24, 2020 9:33 am
Forum: Investing - Theory, News & General
Topic: What is the point of stocks?
Replies: 101
Views: 6484

Re: What is the point of stocks?

I am not trolling. If you are under 50 and you do not have a negative cumulative return, please post on this tread to give us hope. I will be shocked if anyone does. It's basic math. I'm under 50. Started investing in 1996. I have a cumulative average return of 11.5% on my portfolio, and that inclu...
by Brianmcg321
Mon Mar 23, 2020 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: What have you learned from this situation that you will take action on?
Replies: 158
Views: 14388

Re: What have you learned from this situation that you will take action on?

I learned I really, really love long term treasuries.

At the beginning of the year I changed my portfolio from 100% stock to 60/40. With 30% of the bonds in LTT. That has made a huge difference in this downturn this year.

When I retire I will take Bernstein's advice and quit playing.
by Brianmcg321
Mon Mar 23, 2020 2:02 pm
Forum: Investing - Theory, News & General
Topic: Why is it not possible to build a recession proof portfolio?
Replies: 22
Views: 1598

Re: Why is it not possible to build a recession proof portfolio?

The Permanent Portfolio is as good as you will find. But it contains an allocation to gold and we can't discuss that without the usual comical comments and references to "gold bugs", wedding rings, etc. I'm a PP follower but not a strict PP investor, however I bet that portfolio emerges out of this...
by Brianmcg321
Mon Mar 23, 2020 12:50 pm
Forum: Investing - Theory, News & General
Topic: Why is it not possible to build a recession proof portfolio?
Replies: 22
Views: 1598

Re: Why is it not possible to build a recession proof portfolio?

The Permanent Portfolio is as good as you will find.
by Brianmcg321
Fri Mar 20, 2020 9:35 am
Forum: Personal Investments
Topic: How can I get to my "sleep at night " allocation ?
Replies: 24
Views: 1758

Re: How can I get to my "sleep at night " allocation ?

You should investigate The Permanent Portfolio, or Ray Dalio' s All Seasons. Those portfolios are near bullet proof during severe downturns and have espectable long term returns. I just want to point out that Dalio's risk parity strategy is getting hammered right now. The RPAR etf is actually not e...
by Brianmcg321
Fri Mar 20, 2020 8:27 am
Forum: Personal Investments
Topic: How can I get to my "sleep at night " allocation ?
Replies: 24
Views: 1758

Re: How can I get to my "sleep at night " allocation ?

You should investigate The Permanent Portfolio, or Ray Dalio' s All Seasons.

Those portfolios are near bullet proof during severe downturns and have espectable long term returns.
by Brianmcg321
Thu Mar 19, 2020 10:06 pm
Forum: Personal Investments
Topic: Changing Positions
Replies: 4
Views: 329

Re: Changing Positions

Only do it if the stock or fund you change to goes up in value. If it doesn't then keep the money where it is.