Search found 7108 matches

by Call_Me_Op
Sun Jan 13, 2019 8:18 am
Forum: Investing - Theory, News & General
Topic: Question about FDIC insurance
Replies: 21
Views: 1289

Re: Question about FDIC insurance

JoMoney wrote:
Sat Jan 12, 2019 9:16 pm
I wonder how unified and quickly they would be if it got to the point congress had to actually formally act to appropriate money to bail out FDIC.
Pretty quick, I would think, if you consider the consequences of allowing grandma to lose her life savings tucked away in that bank CD.
by Call_Me_Op
Sun Jan 13, 2019 7:49 am
Forum: Investing - Help with Personal Investments
Topic: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?
Replies: 74
Views: 6676

Re: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?

Past performance is not an indicator to future results - but how far do you take this? US vs INTL https://i.imgur.com/sXZg0J1.png Suggests to me a higher likelihood of international out-performance over the next decade. BTW, I have been 50-50 and plan to stay the course. I chose 50-50 because it is...
by Call_Me_Op
Sat Jan 12, 2019 5:37 pm
Forum: Investing - Theory, News & General
Topic: Any thoughts on the role of Gold in your portfolio?
Replies: 74
Views: 4093

Re: Any thoughts on the role of Gold in your portfolio?

It's a pure speculation (it's a shiny metal that just sits there), but holding 5% can't do much harm. Beware of backtesting, as it may include the huge run-up after the US went off the gold standard in 1971.
by Call_Me_Op
Fri Jan 11, 2019 7:50 am
Forum: Investing - Theory, News & General
Topic: What are the disadvantages of taking all risk on equity side?
Replies: 63
Views: 3547

Re: What are the disadvantages of taking all risk on equity side?

One reason that we are told to take risk on equity side is that upside is theoretically unlimited.

In any case, I find it very helpful to dichotiomize portfolio into safe and risky assets. Doing so allows transparency with respect to the risk you are taking.
by Call_Me_Op
Wed Jan 09, 2019 11:43 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Does The Bucket Approach Destroy Wealth?
Replies: 56
Views: 5723

Re: Larry Swedroe: Does The Bucket Approach Destroy Wealth?

https://www.advisorperspectives.com/articles/2019/01/07/does-the-bucket-approach-destroy-wealth?bt_ee=FTU%2FsBNf%2FLUiHMmWwiQ4s%2FPvcHZiqdidGGmLKie5LRuYO378o7HycRIbJqe0nQFi&bt_ts=1546956764657 In this article Larry goes into significant depth on retirement planning with Monte Carlo Simulation. MCS ...
by Call_Me_Op
Wed Jan 09, 2019 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Bonds: Bond fund vs individual bonds??
Replies: 1
Views: 200

Re: Bonds: Bond fund vs individual bonds??

Talking to Vanguard PAS financial advisor. He wants to liquidate everything and go to 40:60 equity/bond fund with enough cash for emergencies. Currently I have taxable individual bonds in my profit sharing account and lattered single state muni bonds in my taxable account. It seems that I will not ...
by Call_Me_Op
Wed Jan 09, 2019 7:03 am
Forum: Investing - Theory, News & General
Topic: wash sale rule question
Replies: 8
Views: 415

Re: wash sale rule question

Highly unlikely to be a problem.
by Call_Me_Op
Tue Jan 08, 2019 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Fixed Income-CDs, Brokered CDs, T-bonds & bills
Replies: 11
Views: 1181

Re: Fixed Income-CDs, Brokered CDs, T-bonds & bills

anhedonia wrote:
Mon Jan 07, 2019 8:56 pm
I've been a buy and hold investor on and off my entire life. I started out when I was 19 and have done so the last 205+ years.
That would make you..let's see......224+ years old. Congrats!
by Call_Me_Op
Sat Jan 05, 2019 8:10 am
Forum: Personal Consumer Issues
Topic: How old is too old to buy a house?
Replies: 50
Views: 4022

Re: How old is too old to buy a house?

No limit. If you can afford it, go for it.
by Call_Me_Op
Fri Jan 04, 2019 9:11 am
Forum: Investing - Theory, News & General
Topic: Total Investing Risk
Replies: 18
Views: 1452

Re: Total Investing Risk

Before you can intelligently discuss something, much less quantify it, it must be defined. What is your definition of "risk"?
by Call_Me_Op
Wed Jan 02, 2019 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Returns Extremely Disappointed
Replies: 44
Views: 5040

Re: Vanguard Returns Extremely Disappointed

Sounds like you didn't understand why you were investing in the things you were investing in. That is a sure path for not being able to stick with a portfolio through the inevitable times when tracking error is negative.
by Call_Me_Op
Tue Jan 01, 2019 5:25 pm
Forum: Investing - Theory, News & General
Topic: The big Value Trap year of 2018
Replies: 35
Views: 3612

Re: The big Value Trap year of 2018

Of course, what happens over 1 year is really of little importance to the long-term investor.
by Call_Me_Op
Tue Jan 01, 2019 10:30 am
Forum: Personal Consumer Issues
Topic: Radon Mitigation System
Replies: 20
Views: 1718

Re: Radon Mitigation System

My view on this is we can spend all day arguing about how harmful Radon is or is not, but the fix is cheap and effective. My depressurization motor has been running constantly for 15 years with no problems. I would rather be safe than sorry. When someone gets cancer, we never can prove (or even know...
by Call_Me_Op
Mon Dec 31, 2018 3:30 pm
Forum: Investing - Theory, News & General
Topic: CD’s in Asset Allocation - Bonds or Cash
Replies: 15
Views: 982

Re: CD’s in Asset Allocation - Bonds or Cash

I do not distinguish between bonds and cash - I want a year’s spending in something FDIC insured, and as for the fixed income/bond allocation, I have a mix of treasuries, cds, corporates, TBM, and munis, with a duration ranging from a year to 7-ish. Someday, I may consolidate back down to a simpler...
by Call_Me_Op
Mon Dec 31, 2018 10:43 am
Forum: Investing - Help with Personal Investments
Topic: What is the expected real return of S&P 500 for the next 30 years?
Replies: 51
Views: 4298

Re: What is the expected real return of S&P 500 for the next 30 years?

I don't think you can confidently expect anything. I think 3% is conservative and I would expect 5%. But there are no guarantees.
by Call_Me_Op
Mon Dec 31, 2018 10:38 am
Forum: Investing - Theory, News & General
Topic: CD’s in Asset Allocation - Bonds or Cash
Replies: 15
Views: 982

Re: CD’s in Asset Allocation - Bonds or Cash

This depends upon your definition for cash. Cash is really a special type of bond - one with a duration of zero. But if one insists on separating the two assets, CDs are a better fit in the bond category because they are not completely liquid in general.
by Call_Me_Op
Mon Dec 31, 2018 8:06 am
Forum: Investing - Theory, News & General
Topic: Tax cost ratio and portfolio turnover
Replies: 3
Views: 240

Re: Tax cost ratio and portfolio turnover

Just speculating (as to the precise answer to your question), but there are factors beyond turnover that determine tax efficiency - such as offsetting of gains and holding period for stocks that produce dividends.
by Call_Me_Op
Sun Dec 30, 2018 6:52 pm
Forum: Personal Consumer Issues
Topic: Radon Mitigation System
Replies: 20
Views: 1718

Re: Radon Mitigation System

I had 20 in basement, 10 on first floor, Had system installed many years ago - down below 0.5.
by Call_Me_Op
Sun Dec 30, 2018 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Am I too risk averse?
Replies: 56
Views: 4771

Re: Am I too risk averse?

OP,

Your AA looks fine to me. Congratulations on building such a large portfolio at a fairly young age.
by Call_Me_Op
Sun Dec 30, 2018 7:39 am
Forum: Investing - Theory, News & General
Topic: What are some critiques of passive investing/index funds?
Replies: 75
Views: 5663

Re: What are some critiques of passive investing/index funds?

YoungBogle wrote:
Fri Dec 28, 2018 3:57 am
What are some critiques of passive investing/or which critiques do you find most warranted?
None I have seen are warranted in terms of effects on the individual investor. You must always consider the source.
by Call_Me_Op
Sun Dec 30, 2018 7:27 am
Forum: Investing - Help with Personal Investments
Topic: Will Bond Fund's NAV rebound if I wait long enough?
Replies: 25
Views: 1967

Re: Will Bond Fund's NAV rebound if I wait long enough?

Never mind the NAV. What is important is total return, which includes reinvested dividends. That should be much higher in 10 years.
by Call_Me_Op
Sat Dec 29, 2018 5:34 pm
Forum: Investing - Theory, News & General
Topic: What determines savings interest rates movement?
Replies: 5
Views: 700

Re: What determines savings interest rates movement?

I feel like this is a very basic question I should already know the answer to. When a bank advertises things such as "2% APY on Money Market" or "3.10% APY on 5-yr CD", what makes these rates move up or down? Is it the Federal Funds Rate, the current yields on Treasuries, or what exactly? In other ...
by Call_Me_Op
Sat Dec 29, 2018 9:20 am
Forum: Investing - Help with Personal Investments
Topic: What do you do with dividends?
Replies: 51
Views: 4431

Re: What do you do with dividends?

I reinvest them in tax-deferred but in taxable, I have them paid into sweep account. The latter makes tax-loss harvesting less prone to unintended wash sales.
by Call_Me_Op
Fri Dec 28, 2018 7:12 am
Forum: Investing - Theory, News & General
Topic: Question for the bond experts
Replies: 24
Views: 1412

Re: Question for the bond experts

If you had instead purchased a 5 year individual bond, it would also have been down by 2% in value after 1 year.

You need to spend more time understanding how bonds work. They are actually quite simple.
by Call_Me_Op
Thu Dec 27, 2018 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Bond options?
Replies: 32
Views: 2105

Re: Bond options?

retiredwrench wrote:
Thu Dec 27, 2018 10:33 am
Thanks Op sounds like the best option. I guess I would have to wait a month to buy the intermediate muni fund?
Why?
by Call_Me_Op
Thu Dec 27, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Bond options?
Replies: 32
Views: 2105

Re: Bond options?

As a side note I recall reading that the National muni contains a large amount of Illinois debt. From what I understand to be the riskiest in the country. Also being single and being on the cusp of 24% and 32% keeps me leaning towards a muni. The Vanguard Intermediate Tax-Exempt fund is mostly AAA ...
by Call_Me_Op
Thu Dec 27, 2018 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Bond options?
Replies: 32
Views: 2105

Re: Bond options?

Right on call me, sounds like the most reasonable option. I think I am allowing emotion and recency bias to keep me attached. This was a nice check every month for a long time. Another facet, 2.1B assets? Doesn't sound like a lot of investors willing to to take this risk considering I am into it fo...
by Call_Me_Op
Thu Dec 27, 2018 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Bond options?
Replies: 32
Views: 2105

Re: Bond options?

I want to switch because I am no longer a resident of NJ and the finances of the state scare me. I believe only 1% of the the state pension is funded. I would rather spread the risk a little more. Not looking to sell low, I want to take advantage of the tax loss. Even though there is principal loss...
by Call_Me_Op
Thu Dec 27, 2018 8:30 am
Forum: Investing - Theory, News & General
Topic: What is really going on?
Replies: 39
Views: 4001

Re: What is really going on?

Does anybody have any idea what is going on in the market right now and can explain? I'm not convinced it has much to do with trade and government shut down at all. I've heard rumors of hedgefunds selling off at the end of the year, what other theories are there? Why does it matter? Will you change...
by Call_Me_Op
Thu Dec 27, 2018 8:27 am
Forum: Investing - Theory, News & General
Topic: Why stay the course? Why not sell all?
Replies: 68
Views: 6805

Re: Why stay the course? Why not sell all?

Jesteroftheswamp wrote:
Thu Dec 27, 2018 4:00 am
Let’s say, hypothetically speaking of course, that there is a good chance stocks will fall in the next few weeks/months.
There's the issue. How do you know there is a "good chance stocks will fall in the next few weeks/months." What does that even mean?
by Call_Me_Op
Thu Dec 27, 2018 7:45 am
Forum: Investing - Theory, News & General
Topic: Why call them "losses" when you still own the shares?
Replies: 103
Views: 4878

Re: Why call them "losses" when you still own the shares?

Even though you still may own the shares, it is reasonable to consider loss of value of those shares as "losses" since the shares are worth less. If you convert those shares into dollars you will get fewer dollars.
by Call_Me_Op
Wed Dec 26, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Bond options?
Replies: 32
Views: 2105

Re: Bond options?

So now that it is generating a higher rate of interest, you are going to sell it?

My suggestion is to learn about bonds. A bond mutual fund is nothing more than a basket of bonds.
by Call_Me_Op
Tue Dec 25, 2018 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard California Muni Bond safety in downturns?
Replies: 19
Views: 1400

Re: Vanguard California Muni Bond safety in downturns?

Tax-exempt bonds are certainly not crazy risky, but the are somewhat riskier than taxable bonds... Do you really mean this as written? I would agree that they are riskier than treasuries, but not riskier than taxable investment grade bonds (as suggested by the lower default rate of munis). Yes, I m...
by Call_Me_Op
Tue Dec 25, 2018 9:14 am
Forum: Investing - Theory, News & General
Topic: Will Total US Bond Index fund have a positive return for 2018?
Replies: 13
Views: 2052

Re: Will Total US Bond Index fund have a positive return for 2018?

I didn't know that people were anguished by the performance of bonds this year. Strange...
by Call_Me_Op
Tue Dec 25, 2018 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else unable to login to Vanguard?
Replies: 19
Views: 1577

Re: Anyone else unable to login to Vanguard?

I logged-in an hour ago as well - no problemo.
by Call_Me_Op
Tue Dec 25, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard California Muni Bond safety in downturns?
Replies: 19
Views: 1400

Re: Vanguard California Muni Bond safety in downturns?

retiredjg wrote:
Tue Dec 25, 2018 9:02 am
Tax-exempt bonds are certainly not crazy risky, but the are somewhat riskier than taxable bonds...
Do you really mean this as written? I would agree that they are riskier than treasuries, but not riskier than taxable investment grade bonds (as suggested by the lower default rate of munis).
by Call_Me_Op
Tue Dec 25, 2018 8:56 am
Forum: Investing - Theory, News & General
Topic: Too old for buy and hold?
Replies: 11
Views: 2103

Re: Too old for buy and hold?

At what age, or life expectancy, do you become too old for buy and hold investing? Should one be 100% in short-term, investment grade bond fund if life expectancy is less than 5 years? Or 100 minus age in bonds? Fixed annuities? CDs? Or something else? One issue is you can have a life expectancy of...
by Call_Me_Op
Tue Dec 25, 2018 8:44 am
Forum: Investing - Theory, News & General
Topic: Utilities have fallen 10% while bonds are up. This makes no sense to me.
Replies: 11
Views: 2419

Re: Utilities have fallen 10% while bonds are up. This makes no sense to me.

I pointed out in the Free-Fall thread that the Utilities sector has fallen lately while the total bond market is up slightly. This make absolutely no sense to me. Has this happened before? I thought that these were roughly correlated. Say what? What gave you that idea? There is a reason that Bogleh...
by Call_Me_Op
Tue Dec 25, 2018 7:49 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard California Muni Bond safety in downturns?
Replies: 19
Views: 1400

Re: Vanguard California Muni Bond safety in downturns?

That fund may hold-up fine in the current turmoil - but generally speaking, you have a lot of your net worth tied-up in the bonds of a single state. That's not particularly diversified.

As far as whether it is "safe enough," you would need to be clearer as to what you mean.
by Call_Me_Op
Tue Dec 25, 2018 7:22 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781822

Re: U.S. stocks in free fall

columbia wrote:
Tue Dec 25, 2018 7:21 am
Nikkei down 5%.
Point?
by Call_Me_Op
Tue Dec 25, 2018 7:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781822

Re: U.S. stocks in free fall

I'm going to sound very condescending here - but days like today remind me how how skittish and, frankly, foolish most personal investors seem to be Very surprised at the nervousness that is obvious on this forum. That should not be surprising. After all, investors are human beings. And many have "...
by Call_Me_Op
Mon Dec 24, 2018 3:47 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10061
Views: 1781822

Re: U.S. stocks in free fall

willthrill81 wrote:
Mon Dec 24, 2018 3:45 pm
I smell 1987. 8-)
Let's hope it bounces back like it did in 1987.
by Call_Me_Op
Sun Dec 23, 2018 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Good Small-Cap Fund for Taxable
Replies: 15
Views: 1099

Re: Seeking Good Small-Cap Fund for Taxable

I called Fidelity to inquire as to why the Extended Market Index distributed such a large gain (when Vanguard's Extended Market Index distributed no gain). The representative was somewhat abrupt with me. In addition, he told me that funds cannot use losses to offset gains. I believe that this is in...
by Call_Me_Op
Sun Dec 23, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Good Small-Cap Fund for Taxable
Replies: 15
Views: 1099

Re: Seeking Good Small-Cap Fund for Taxable

In addition, he told me that funds cannot use losses to offset gains. I believe that this is incorrect. Does anyone know for sure? My understanding is that they cannot carry losses from this year over into next year. Realized losses from this year can be used to offest realized gains from this year...
by Call_Me_Op
Sun Dec 23, 2018 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Good Small-Cap Fund for Taxable
Replies: 15
Views: 1099

Re: Seeking Good Small-Cap Fund for Taxable

I called Fidelity to inquire as to why the Extended Market Index distributed such a large gain (when Vanguard's Extended Market Index distributed no gain). The representative was somewhat abrupt with me. In addition, he told me that funds cannot use losses to offset gains. I believe that this is inc...
by Call_Me_Op
Sun Dec 23, 2018 11:23 am
Forum: Investing - Help with Personal Investments
Topic: International Allocation
Replies: 13
Views: 972

Re: International Allocation

I have a 4 fund portfolio ( 60 % stock / 40 % bond) containing the following ETF's: 43 % SCHB - Schwab U S Broad Market ETF 13 % SCHF - Schwab International Equity ETF 04 % SCHE - Schwab Emerging Markets Equity ETF 40 % SCHZ - Schwab US Agregate Bond I would like comments on the international/emerg...
by Call_Me_Op
Sun Dec 23, 2018 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Just another noob worrying about the crash
Replies: 32
Views: 3691

Re: Just another noob worrying about the crash

I know single stock isn't the Boglehead-way, it's just something I feel strongly about, as I know the company quite well. Not attacking, but unless you have inside information (the exploitation of which is not legal), it doesn't matter how much you think you know about the company. Investing a larg...