Search found 1516 matches

by 1789
Sat Jul 11, 2020 4:06 pm
Forum: Personal Investments
Topic: Individual stocks
Replies: 22
Views: 1458

Re: Individual stocks

Is it a good idea to own some individual stocks in a taxable account portfolio? No it is not a good idea. I would think you don't want to spend any minute of your life thinking how a company stock is doing. If you are interested in particular corner/sector of the market at least buy a basket (a mut...
by 1789
Fri Jul 10, 2020 2:53 pm
Forum: Investing - Theory, News & General
Topic: DFA Small-Cap Value has now underperformed since inception
Replies: 52
Views: 3346

Re: Two Lessons For Investors

Northern Flicker: Thank you for your post. I see two lessons for investors: 1. The futility of using past performance to forecast future performance. 2. The risk of under-performing by betting which category will out-perform. Solution: Own the market. Best wishes Taylor Jack Bogle's Words of Wisdom...
by 1789
Fri Jul 10, 2020 2:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 6574
Views: 554080

Re: U.S. stocks continue to soar!

I bought Tesla a few weeks ago just for the fun of it (a fractional share equal to about 0.03% of my portfolio haha). It’s my only individual stock I’ve ever bought. It’s up 120% since I bought. It’d probably be better if Musk announces bankruptcy tomorrow so I don’t get the idea that I have any id...
by 1789
Thu Jul 09, 2020 5:51 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 5392
Views: 484463

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I read that thread and am sort of surprised that set him off so much. I mean, based on him saying it was the last straw seems to suggest there were other issues (which I'm unaware of) but just that thread in and of itself didn't seem to be that bad. There was a disagreement but from what I remember...
by 1789
Thu Jul 09, 2020 4:04 pm
Forum: Personal Investments
Topic: investing for the election
Replies: 15
Views: 913

Re: investing for the election

Elections have minimal impacts on developed nations markets. It will not matter much in USA.
by 1789
Wed Jul 08, 2020 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Move from Bay Area?
Replies: 34
Views: 3502

Re: Move from Bay Area?

Up north a bit you have Bend/OR. A lot of people from Cali lives there. I don’t know your profession and don’t know job market there. If you decide further north, greater Portland/OR area would be another good place to live, imho
by 1789
Wed Jul 08, 2020 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Manager vs. Direct report salary issues
Replies: 151
Views: 10059

Re: Manager vs. Direct report salary issues

ICs are more valuable than managers hence more compensation is fair.
by 1789
Wed Jul 08, 2020 12:08 pm
Forum: Personal Investments
Topic: What to do with taxable account?
Replies: 15
Views: 1370

Re: What to do with taxable account?

Can you estimate the tax? You can go to your account and find the cost basis and report back here. I would not hold that fund. Its super high expense ratio and 71% turnover is just ridiculous in taxable account.
by 1789
Tue Jul 07, 2020 7:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund
Replies: 75
Views: 5650

Re: Vanguard Prime Money Market Fund

I went into Vanguards short-term bond fund last fall, and its worked great. Keep the emergency fund there. +1 Investment grade version or the index version? BSV? Might be a good idea What about Vanguard Short Term Federal Fund (VSGBX)? https://investor.vanguard.com/mutual-funds/profile/VSGBX Looks ...
by 1789
Tue Jul 07, 2020 7:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund
Replies: 75
Views: 5650

Re: Vanguard Prime Money Market Fund

lostdog wrote:
Tue Jul 07, 2020 6:16 pm
dewey wrote:
Tue Jul 07, 2020 4:54 pm
Big Dog wrote:
Tue Jul 07, 2020 12:58 pm
I went into Vanguards short-term bond fund last fall, and its worked great. Keep the emergency fund there.
+1
Investment grade version or the index version?
BSV? Might be a good idea
by 1789
Tue Jul 07, 2020 4:07 pm
Forum: Personal Investments
Topic: COVID Portfolio
Replies: 33
Views: 2333

Re: COVID Portfolio

livesoft wrote:
Tue Jul 07, 2020 4:02 pm
Vanguard sleeps on everything because that's mostly what index funds do.

So I am not sure what you are expecting. I will note that Vanguard Total Stock Market index fund is UP UP UP 41%! since the 3rd week of March. Does that count as sleeping?
Now that was Hilarious!
by 1789
Tue Jul 07, 2020 1:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund
Replies: 75
Views: 5650

Re: Vanguard Prime Money Market Fund

Bogleheads - With the unprecedented stimulus, the Federal Reserve stepped in to support and backstop Prime Money Market funds during Corona. As a result, is the Federal Money Market with Vanguard (which is Vanguard's default money market fund for their brokerage offering) a better alternative as it...
by 1789
Tue Jul 07, 2020 12:06 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund
Replies: 75
Views: 5650

Re: Vanguard Prime Money Market Fund

No I am not doing any change. I would do if i had a million in there thou.
by 1789
Tue Jul 07, 2020 10:14 am
Forum: Personal Investments
Topic: Mega backdoor exit strategy question
Replies: 27
Views: 1672

Re: Mega backdoor exit strategy question

0) Learn any fees and frequency restrictions to get money from the plan to a Roth IRA 1) Ask your HR and confirm with Fido if you can take money to a Roth IRA after an in plan Roth Rollover executed Thanks. Unfortunately, custodian says I can either move money from after-tax to Roth IRA (manual pai...
by 1789
Tue Jul 07, 2020 10:11 am
Forum: Personal Investments
Topic: Greater NYC: House Hack next year or BRRRR now?
Replies: 5
Views: 605

Re: Greater NYC: House Hack next year or BRRRR now?

I would not commit buying a big item like a house before getting my GC. But i wish you good luck.
by 1789
Tue Jul 07, 2020 10:04 am
Forum: Personal Investments
Topic: PRILX vs FXAIX
Replies: 5
Views: 286

Re: PRILX vs FXAIX

FXAIX :sharebeer
by 1789
Tue Jul 07, 2020 1:47 am
Forum: Personal Investments
Topic: Mega backdoor exit strategy question
Replies: 27
Views: 1672

Re: Mega backdoor exit strategy question

0) Learn any fees and frequency restrictions to get money from the plan to a Roth IRA 1) Ask your HR and confirm with Fido if you can take money to a Roth IRA after an in plan Roth Rollover executed 2) if yes above, enroll in automatic in plan Roth rollovers from after tax to Roth 401k 3) annually ...
by 1789
Tue Jul 07, 2020 1:42 am
Forum: Personal Investments
Topic: Changed AA
Replies: 52
Views: 2418

Re: Changed AA

If you are good with 60% stocks as you mentioned, Vanguard balanced index fund 60/40 would be a good fund to hold. You don't need to watch anything it rebalances itself.
by 1789
Mon Jul 06, 2020 11:50 pm
Forum: Personal Investments
Topic: Mega backdoor exit strategy question
Replies: 27
Views: 1672

Re: Mega backdoor exit strategy question

Copying my response to a similar question. OP had the plan with Fidelity so change that to whatever plan provider you have You could do better with less work. 0) Learn any fees and frequency restrictions to get money from the plan to a Roth IRA 1) Ask your HR and confirm with Fido if you can take mo...
by 1789
Mon Jul 06, 2020 8:34 pm
Forum: Personal Investments
Topic: Which bond fund - 401k or Brokeragelink
Replies: 21
Views: 672

Re: Which bond fund - 401k or Brokeragelink

Because the 401k fund is an investment trust. But I guess since the transfer can be made in-kind there will be no issues. This is not crystal clear. I read couple things online about "in kind" rollover from 401k to IRA's in Fidelity and Schwab. I never seen a real person reported this on the forum....
by 1789
Mon Jul 06, 2020 1:17 pm
Forum: Personal Investments
Topic: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]
Replies: 149
Views: 9634

Re: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]

I feel like buying TSM is plenty speculation enough these days.... (at these levels). Plenty risky to me. If market closes the year flat will you assume the bull market going on since 2010? Do you think another bust coming? No clue one way or the other. All I know is that I felt better buying it 35...
by 1789
Mon Jul 06, 2020 12:57 pm
Forum: Personal Investments
Topic: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]
Replies: 149
Views: 9634

Re: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]

Anything other than investing in TSM seems blasphemy here. Hi avsh21 I kindly disagree. There is a lot of threads on different investing styles. Value investing Leveraged Investing Long term treasuries ... These are not widely preferred in BH community. Maybe yours will be the beginning of our tech...
by 1789
Mon Jul 06, 2020 12:49 pm
Forum: Personal Investments
Topic: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]
Replies: 149
Views: 9634

Re: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]

dziuniek wrote:
Mon Jul 06, 2020 12:29 pm
I feel like buying TSM is plenty speculation enough these days.... (at these levels). Plenty risky to me.
If market closes the year flat will you assume the bull market going on since 2010? Do you think another bust coming?
by 1789
Mon Jul 06, 2020 2:10 am
Forum: Investing - Theory, News & General
Topic: 10% bonds in TDF
Replies: 26
Views: 1740

Re: 10% bonds in TDF

ChrisBenn wrote:
Sun Jul 05, 2020 11:48 pm
1789 wrote:
Sun Jul 05, 2020 7:11 pm
I would go with 100% US TSM at 20s with CASH about 6 years worth of expenses on hand. I agree this may not be best strategy for everyone.
Surely 6 years of cash on hand is a typo, and you mean months?
😬 yes
by 1789
Sun Jul 05, 2020 7:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - 3 Fund vs Balanced Index
Replies: 9
Views: 1073

Re: Vanguard - 3 Fund vs Balanced Index

I am contemplating moving all funds upon retirement in 2021 to the Vanguard Balanced Fund for sake of creating an easy, but still well performing portfolio. Question being, is it possible to see the performance for the past 10 years for the Vanguard Balanced Fund vs a Vanguard 3 Fund (S&P 500, Bond...
by 1789
Sun Jul 05, 2020 7:11 pm
Forum: Investing - Theory, News & General
Topic: 10% bonds in TDF
Replies: 26
Views: 1740

Re: 10% bonds in TDF

I would go with 100% US TSM at 20s with CASH about 6 years worth of expenses on hand. I agree this may not be best strategy for everyone.
by 1789
Sun Jul 05, 2020 6:53 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value @ 100%
Replies: 14
Views: 1530

Re: Small Cap Value @ 100%

100% SCV seems a bit extreme :wink:
by 1789
Sun Jul 05, 2020 5:07 pm
Forum: Personal Investments
Topic: 51 year old physician
Replies: 85
Views: 9935

Re: 51 year old physician

You will get more responses if you post in the following format.

https://www.bogleheads.org/wiki/Asking_ ... _questions
by 1789
Sun Jul 05, 2020 4:05 pm
Forum: Personal Investments
Topic: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]
Replies: 149
Views: 9634

Re: Am I crazy to do this?

Some clarification here - when I meant invest in the NASDAQ index, I meant investing in NASDAQ 100 via QQQ. Sorry, I should have been clearer about it. Appreciate all the responses. My question is the following: if you like the past performance of a tech fund - QQQ, why do you NOT invest the best p...
by 1789
Sun Jul 05, 2020 3:15 pm
Forum: Personal Investments
Topic: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]
Replies: 149
Views: 9634

Re: Am I crazy to do this?

Some clarification here - when I meant invest in the NASDAQ index, I meant investing in NASDAQ 100 via QQQ. Sorry, I should have been clearer about it. Appreciate all the responses. My question is the following: if you like the past performance of a tech fund - QQQ, why do you NOT invest the best p...
by 1789
Sun Jul 05, 2020 3:04 pm
Forum: Personal Investments
Topic: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]
Replies: 149
Views: 9634

Re: Am I crazy to do this?

Some clarification here - when I meant invest in the NASDAQ index, I meant investing in NASDAQ 100 via QQQ. Sorry, I should have been clearer about it. Appreciate all the responses. My question is the following: if you like the past performance of a tech fund - QQQ, why do you NOT invest the best p...
by 1789
Sun Jul 05, 2020 3:00 pm
Forum: Personal Investments
Topic: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]
Replies: 149
Views: 9634

Re: Am I crazy to do this?

Some clarification here - when I meant invest in the NASDAQ index, I meant investing in NASDAQ 100 via QQQ. Sorry, I should have been clearer about it. Appreciate all the responses. My question is the following: if you like the past performance of a tech fund - QQQ, why do you NOT invest the best p...
by 1789
Sun Jul 05, 2020 2:53 pm
Forum: Personal Investments
Topic: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]
Replies: 149
Views: 9634

Re: Am I crazy to do this?

Some clarification here - when I meant invest in the NASDAQ index, I meant investing in NASDAQ 100 via QQQ. Sorry, I should have been clearer about it. Appreciate all the responses. My question is the following: if you like the past performance of a tech fund - QQQ, why do you NOT invest the best p...
by 1789
Sun Jul 05, 2020 2:48 pm
Forum: Personal Investments
Topic: Share your budget progression
Replies: 14
Views: 1493

Re: Share your budget progression

We gave up on any budget and personal finance software over 12 years ago after using for 10 years. After thinking and discussing we realized we were not gaining and advantage considering the time and effort involved. We focused instead on simplifying our financial and non-financial lives and this i...
by 1789
Sun Jul 05, 2020 1:08 pm
Forum: Personal Investments
Topic: Ready to start Megaback Roth IRA- need guidance
Replies: 7
Views: 753

Re: Ready to start Megaback Roth IRA- need guidance

You could do better with less work. 0) Learn any fees and frequency restrictions to get money from the plan to a Roth IRA 1) Ask your HR and confirm with Fido if you can take money to a Roth IRA after an in plan Roth Rollover executed 2) if yes above, enroll in automatic in plan Roth rollovers from ...
by 1789
Sun Jul 05, 2020 12:38 pm
Forum: Personal Investments
Topic: Share your budget progression
Replies: 14
Views: 1493

Re: Share your budget progression

We gave up on any budget and personal finance software over 12 years ago after using for 10 years. After thinking and discussing we realized we were not gaining and advantage considering the time and effort involved. We focused instead on simplifying our financial and non-financial lives and this i...
by 1789
Sun Jul 05, 2020 12:37 pm
Forum: Personal Investments
Topic: Share your budget progression
Replies: 14
Views: 1493

Re: Share your budget progression

We don’t track our budget. We don’t need to. Save first and spend the rest.
by 1789
Sat Jul 04, 2020 7:40 pm
Forum: Investing - Theory, News & General
Topic: Beat the market by doing (almost) nothing
Replies: 61
Views: 7279

Re: Beat the market by doing (almost) nothing

I have friends and family who have simple own Total Stock or a S&P 500 fund and simply just kept contributing and buying. Never looked. I used to think they were crazy. Now I learned how smart they were and have come to respect and follow their lead. Sometimes it is hard to bear collective wisdom o...
by 1789
Sat Jul 04, 2020 7:31 pm
Forum: Investing - Theory, News & General
Topic: Beat the market by doing (almost) nothing
Replies: 61
Views: 7279

Re: Beat the market by doing (almost) nothing

Get where faster. I am perfectly satisfied with where I am. :P For those who haven't reached the threshold of retirement yet. Or are not yet at a pace that satisfies their goals. Over here there is already a sureshot strategy to get there, it goes something like this 1. Increase income 2. Increase ...
by 1789
Sat Jul 04, 2020 7:14 pm
Forum: Investing - Theory, News & General
Topic: Beat the market by doing (almost) nothing
Replies: 61
Views: 7279

Re: Beat the market by doing (almost) nothing

Why should I care about beating the market, if tying the market is good enough for what I want to achieve? You can get there faster? If you can retire from your current profession and not worry about what you need to do for money at a young age, and are able to pursue a goal that isn't based on mon...
by 1789
Fri Jul 03, 2020 7:30 pm
Forum: Investing - Theory, News & General
Topic: Which is better for a recession - S&P 500 or Total Stock Market indexes?
Replies: 11
Views: 1402

Re: Which is better for a recession - S&P 500 or Total Stock Market indexes?

Both are more or less same. If you want recession proof funds, please consider total bond/treasury bond indexes.
by 1789
Fri Jul 03, 2020 11:58 am
Forum: Personal Investments
Topic: Moving Vanguard Total Stock fund shares
Replies: 11
Views: 600

Re: Moving Vanguard Total Stock fund shares

Selling VTSAX on other brokerages might be free, at least it is so in Fidelity. Is there a particular reason why you are obsessed to hold VTSAX? For example you can sell it and then move money to Fidelity( using as an example) and buy FSKAX there. Likely large capital gains in such a scenario. Hmm,...
by 1789
Fri Jul 03, 2020 11:48 am
Forum: Personal Investments
Topic: Moving Vanguard Total Stock fund shares
Replies: 11
Views: 600

Re: Moving Vanguard Total Stock fund shares

Selling VTSAX on other brokerages might be free, at least it is so in Fidelity. Is there a particular reason why you are obsessed to hold VTSAX? For example you can sell it and then move money to Fidelity( using as an example) and buy FSKAX there.
by 1789
Fri Jul 03, 2020 10:11 am
Forum: Investing - Theory, News & General
Topic: "Same Old Story: Growth Beats Value"
Replies: 11
Views: 1457

Re: "Same Old Story: Growth Beats Value"

Hi Taylor, It is well known that growth fails to beat both value and blend over long term. Thanks for the reminder. Happy 4th! It's not well known that growth fails to be value and blend over the long term - all that's known is what's in the past. You can't use "fails" since you're implying the fut...
by 1789
Fri Jul 03, 2020 4:46 am
Forum: Personal Investments
Topic: Desperately In Need Of Advice
Replies: 24
Views: 4519

Re: Desperately In Need Of Advice

But you came back after interest rates dropped :twisted:
by 1789
Thu Jul 02, 2020 10:45 pm
Forum: Investing - Theory, News & General
Topic: Stock Market hours today, July 2nd?
Replies: 8
Views: 853

Re: Stock Market hours today, July 2nd?

Hi all. I placed an order to purchase shares of a Vanguard Target Retirement fund today. I placed the order after 3pm. However I'm seeing that the bond market closed at 2pm today. Does this mean my purchase of a Target Date fund was not executed? Will it be executed next week? Thanks! Where do you ...
by 1789
Thu Jul 02, 2020 9:16 pm
Forum: Investing - Theory, News & General
Topic: "Same Old Story: Growth Beats Value"
Replies: 11
Views: 1457

Re: "Same Old Story: Growth Beats Value"

Hi Taylor,

It is well known that growth fails to beat both value and blend over long term. Thanks for the reminder. Happy 4th!
by 1789
Thu Jul 02, 2020 8:36 pm
Forum: Investing - Theory, News & General
Topic: 2 and 3 fund funders - sticking soley with Total Bond?
Replies: 49
Views: 4321

Re: 2 and 3 fund funders - sticking soley with Total Bond?

I think it is a great fund and the greatest bond fund on earth. Why would anyone change that? For performance/yield chasing?