Search found 2220 matches
- Sun Sep 18, 2022 11:49 am
- Forum: Personal Investments
- Topic: 401k vs Taxable Brokerage account portfolio
- Replies: 11
- Views: 1472
Re: 401k vs Taxable Brokerage account portfolio
Is there a brokeragelink offered with zero or low account usage fee? Imho, sp500 in 401k along with a short/intermediate term bond and 100% VTI in taxable looks reasonable. 10-15 years time horizon is not that long so make sure to have cash and bonds, nominal/inflation protected bonds in the tax deferred space.
- Sun Sep 18, 2022 11:44 am
- Forum: Personal Investments
- Topic: To international stock or not to international stock
- Replies: 154
- Views: 15815
Re: To international stock or not to international stock
4% in bonds is not going to make a difference. It looks to me you can get rid of international and small cap value and invest 100% in vtsax assuming you have some cash for emergencies.
- Fri Sep 16, 2022 12:03 pm
- Forum: Personal Investments
- Topic: Invest or Buy a House? - 30 years old
- Replies: 29
- Views: 2941
Re: Invest or Buy a House? - 30 years old
I am not clear why you want to buy a house. Looks like it would be a serious mistake. You need to pour all the money you have into stock index funds now, preferably in the tax advantaged accounts. It is a great time to invest and maybe not so great time to buy a house. House prices wont go up 50% in next three years as they did in last three years.
- Mon Jun 13, 2022 11:24 pm
- Forum: Personal Investments
- Topic: So much for diversification
- Replies: 12
- Views: 1799
Re: So much for diversification
Dont worry too much. Keep it simple and stay the course. We invest in two funds, SP500/US TSM and $CASH. Good enough for us.
- Sat Jun 11, 2022 11:17 am
- Forum: Personal Investments
- Topic: I want to buy Docusign stock
- Replies: 99
- Views: 12406
Re: I want to buy Docusign stock
I would just buy the best business and not a dead horse like Docusign
- Sat Jun 04, 2022 10:43 am
- Forum: Personal Investments
- Topic: RSUs down 50%
- Replies: 73
- Views: 10966
Re: RSUs down 50%
Just get rid of it (always when vested) and move on with your life. One less thing to worry in life —> more things to enjoy. You deserve to spend your time with other things and not with thinking how your company stock doing.
- Wed Jun 01, 2022 8:01 pm
- Forum: Investing - Theory, News & General
- Topic: Fidelity UI dark patterns
- Replies: 44
- Views: 4454
Re: Fidelity UI dark patterns
- Tue May 31, 2022 8:27 pm
- Forum: Investing - Theory, News & General
- Topic: Fidelity UI dark patterns
- Replies: 44
- Views: 4454
- Sat May 28, 2022 3:00 pm
- Forum: Investing - Theory, News & General
- Topic: Is a top-heavy market different from a bubble?
- Replies: 4
- Views: 941
Re: Is a top-heavy market different from a bubble?
Imo, this not a correct way of thinking. Because in recessions, total market index is still top heavy. Nothing changes in cap index methodology during recessions or bubbles. It could always be top heavy depending on how you look. For example, top
10 companies may be forming the 20% of the index or 30%. These are all relative numbers. Blindly buying the total market index wont create a bubble as the money would be distributed according to cap weighting of all companies which changes all the time.
Now please help me to understand how would it make any sense to equally distribute my 2$ between AAPL and Shopify. Of course the more of my money should be going to the best business in the world and not to the other one.
10 companies may be forming the 20% of the index or 30%. These are all relative numbers. Blindly buying the total market index wont create a bubble as the money would be distributed according to cap weighting of all companies which changes all the time.
Now please help me to understand how would it make any sense to equally distribute my 2$ between AAPL and Shopify. Of course the more of my money should be going to the best business in the world and not to the other one.
- Sat May 28, 2022 10:26 am
- Forum: Personal Finance (Not Investing)
- Topic: Home mortgage pay off strategies
- Replies: 54
- Views: 6879
Re: Home mortgage pay off strategies
1) Bad decision - this wont help you or family in any way (both financially and emotionally)IAmJustAnAverageDude wrote: ↑Sat May 28, 2022 1:28 am 1. Is it a bad idea to put more money in the house to get to 80% LTV so as to get rid of PMI?
2. Is it a bad idea to get the house interior painted prior to move in? It’s a 8 year old house.
2) Good decision because house has emotional value, so you and your family would feel better living in a nicer/cleaner/refreshed house.
- Fri May 27, 2022 10:57 pm
- Forum: Investing - Theory, News & General
- Topic: Home Prices
- Replies: 61
- Views: 7957
Re: Home Prices
This is not correct. A lot people who buys a house would not rent the same house that they bought. Because people are much more selective when they are buying a house. They look for the things they would not ask for in a rental home. Therefore, they stretch their financials when they are buying vs renting.swaption wrote: ↑Fri May 27, 2022 9:42 pm Kind of speechless folks. Been involved in these forums now for decades and the wisdom on this topic has seemingly not evolved one iota. Of course housing is consumption, but it’s not discretionary. Allocating capital to a house is very much an investment. BIt’s not unlike investing in solar panels, it pays you money you don’t have to spend on electricity.
- Fri May 27, 2022 10:48 pm
- Forum: Personal Finance (Not Investing)
- Topic: Home mortgage pay off strategies
- Replies: 54
- Views: 6879
Re: Home mortgage pay off strategies
At your income level i would focus on the follwings
1) Max both 401ks
2) Max family HSA
3) 2x backdoor Roth iras
4) Continue in megabackdoor Roth, max if possible
5) If you prefer to have a large amount of cash easily accessible then after 3) put money into taxable account or split betwern 4) and 5)
6) Sell Espp and RSUS as soon as possible and put the money in taxable
7) Don’t put any penny more on that house payment. Thats a very bad decision.
1) Max both 401ks
2) Max family HSA
3) 2x backdoor Roth iras
4) Continue in megabackdoor Roth, max if possible
5) If you prefer to have a large amount of cash easily accessible then after 3) put money into taxable account or split betwern 4) and 5)
6) Sell Espp and RSUS as soon as possible and put the money in taxable
7) Don’t put any penny more on that house payment. Thats a very bad decision.
- Fri May 27, 2022 5:47 pm
- Forum: Investing - Theory, News & General
- Topic: Home Prices
- Replies: 61
- Views: 7957
Re: Home Prices
Almost no one borrows 500k and put that into an sp500 index fund, but they do that when purchasing a house. It is for a very simple reason.
Most people don't see their primary residence as investment. A house has an emotional value attached to it.
Most people don't see their primary residence as investment. A house has an emotional value attached to it.
- Mon May 23, 2022 8:04 pm
- Forum: Personal Investments
- Topic: I've been buying VTSAX instead of VTI for years and I just found out.
- Replies: 58
- Views: 10944
Re: I've been buying VTSAX instead of VTI for years and I just found out.
Absolutely.retired@50 wrote: ↑Mon May 23, 2022 7:18 pmAmen brother.
Which is why I'm perfectly happy to trade my mutual fund shares at NAV, every time, and avoid the temptation of trying to buy an ETF at a discount. For me, ETFs would be a behavioral trap that I'd rather skip.
Regards,
- Mon May 23, 2022 1:33 pm
- Forum: Investing - Theory, News & General
- Topic: What broker to open account?
- Replies: 20
- Views: 2463
Re: What broker to open account?
The winner is Fidelity
- Sun May 22, 2022 3:38 pm
- Forum: Investing - Theory, News & General
- Topic: er999's Bear Market Adventure (update ended)
- Replies: 59
- Views: 7898
Re: er999's Bear Market Adventure
There has been many mutual funds from Fidelity that crashed QQQ’s performance by far including and excluding the dot com bubble period.
- Sat May 21, 2022 8:46 am
- Forum: Investing - Theory, News & General
- Topic: Stock or Active Fund?
- Replies: 25
- Views: 1831
Re: Stock or Active Fund?
If you are lucky picking a winner stock over a couple thousand is easy. Just understand that by analyzing company fundamentals, cash flow etc.. (almost) no one can pick a winner stock. This is because investing is not like physics. Otherwise you would expect economy professors to be the richest people on earth as they can analyze and understand all sorts of data available to public better than you or me.
With that 10k i would probably still gamble with stock, as i believe both of your options would lose at the end. And single stock gambling is more exciting than a boring active fund.
With that 10k i would probably still gamble with stock, as i believe both of your options would lose at the end. And single stock gambling is more exciting than a boring active fund.
- Thu May 19, 2022 11:43 am
- Forum: Investing - Theory, News & General
- Topic: When asset prices go down, does the value evaporate?
- Replies: 22
- Views: 2316
Re: When asset prices go down, does the value evaporate?
Josh looked pretty confused about this. Michael was right.Marseille07 wrote: ↑Wed May 18, 2022 8:54 am Value absolutely evaporates. When you buy a new car, as soon as you drive off the lot, the value of your car is down.
Josh is wrong because "that gap in value has to go somewhere" is false. It doesn't go anywhere since the dealership still has your money no matter what happens to your car.
- Thu May 19, 2022 11:36 am
- Forum: Investing - Theory, News & General
- Topic: Permanent Portfolios
- Replies: 39
- Views: 4589
Re: Permanent Portfolios
Gold/silver/crypto are all speculative assets. There is no earnings or anything that comes out from them. Their value depends on human emotions.
- Mon May 16, 2022 1:43 pm
- Forum: Investing - Theory, News & General
- Topic: Fidelity Taking a Turn for the Worse?
- Replies: 38
- Views: 3170
- Mon May 16, 2022 1:31 pm
- Forum: Investing - Theory, News & General
- Topic: What is Yardenni? Are they any good?
- Replies: 14
- Views: 1667
Re: What is Yardenni? Are they any good?
I read one of his recent books. It was NOT an interesting book. (In praise of profits)
- Mon May 16, 2022 9:27 am
- Forum: Investing - Theory, News & General
- Topic: 2 funds vs 1 fund, pros and cons ?
- Replies: 22
- Views: 2305
Re: 2 funds vs 1 fund, pros and cons ?
I prefer one fund over two. But not one of those TDF or life strategy funds. We only own US total market/SP500 index fund as one fund with some CASH. Works for us.
- Wed May 11, 2022 12:47 pm
- Forum: Investing - Theory, News & General
- Topic: Have a hard time believing most people here are not "timing the market" just a little
- Replies: 86
- Views: 9555
Re: Have a hard time believing most people here are not "timing the market" just a little
When you start playing games like market timing, stock picking , its close to 100% you will lose money in the long term. Most of the people in the forum have done market timing and lost money. Almost no one around here started investing as an indexer with a long term focus. So yes, most BHs including myself are dogmatic in a sense that we consider investing long term. The earlier you stop doing this the more money you would accumulate in the future. Don't believe me? Ask Taylor, he has done it all his life and lost a bunch of money
- Thu May 05, 2022 6:33 pm
- Forum: Investing - Theory, News & General
- Topic: Where My 100% Equities Peeps At?!?
- Replies: 387
- Views: 54611
Re: Where My 100% Equities Peeps At?!?
We are here with 8 months of worth of CASH and the rest in US stock index fund/sp500. This simple portfolio works for us.
- Thu May 05, 2022 6:29 pm
- Forum: Investing - Theory, News & General
- Topic: BND (or similar) vs. Using multiple bond funds
- Replies: 39
- Views: 4068
Re: BND (or similar) vs. Using multiple bond funds
Congratulations. I am relatively new investor and from the get go I understand more funds mean more trouble for me. It doesn't work for me to have multiple stocks/bonds etc.UpperNwGuy wrote: ↑Tue May 03, 2022 2:10 pm I tried using multiple bond funds, and it was too much work, so I tax loss harvested them all into BND. The one-bond-fund solution has been much easier to manage.
- Thu May 05, 2022 6:27 pm
- Forum: Investing - Theory, News & General
- Topic: Why do I need international stock
- Replies: 199
- Views: 22350
Re: Why do I need international stock
My thought is that if someone wants Japan one can have Japan or a collection of others (ex-us index etc.) . I would not “add” Japan and then “subtract” it later.Marseille07 wrote: ↑Thu May 05, 2022 6:20 pmDepends. For example, by 1979 it was evident Japan was doing really well. And adding Japan then would have been the right call even though this is what you call performance chasing.
- Thu May 05, 2022 6:17 pm
- Forum: Investing - Theory, News & General
- Topic: Why do I need international stock
- Replies: 199
- Views: 22350
Re: Why do I need international stock
It doesn't matter much what you do. But what matters is if you change the course and add international and then drop and than add again depending on the performance.
- Thu May 05, 2022 6:05 pm
- Forum: Investing - Theory, News & General
- Topic: Market timer of 2007 2008 crash
- Replies: 92
- Views: 13089
Re: Market timer of 2007 2008 crash
Bogle got lucky. Your luck may turn out different than him.
- Mon May 02, 2022 1:30 pm
- Forum: Investing - Theory, News & General
- Topic: Just Keep Buying by Nick Maggiulli
- Replies: 3
- Views: 1168
Re: Just Keep Buying by Nick Maggiulli
Looks like an interesting book. Looking forward to buy and read this one.
- Mon May 02, 2022 1:28 pm
- Forum: Investing - Theory, News & General
- Topic: Warren Buffett's 90/10 portfolio strategy using only QQQ and cash
- Replies: 128
- Views: 17628
Re: Warren Buffett's 90/10 portfolio strategy using only QQQ and cash
We met an intelligent young man today who owns a small cell phone repair shop (he repairs cracked screens and does other small repairs). He is only 28 years old, but he told me that he is a big fan of the Warren Buffett 90/10 portfolio strategy. However, instead of the S&P 500, he uses QQQ instead. He doesn't own any other stocks. The remaining 10% he puts in an online savings account with Ally Bank earning 0.50%. The idea of using QQQ instead of the S&P 500 seems pretty brilliant. I personally never thought about it. If America does well and the S&P 500 does well, then chances are that QQQ will outperform. Any thoughts on this strategy? I am confused! I thought Mr. Buffett’s advice was very clear. S&P 500 with cash/Treasur...
- Mon May 02, 2022 1:22 pm
- Forum: Investing - Theory, News & General
- Topic: anyone buying in this market?
- Replies: 177
- Views: 21695
Re: anyone buying in this market?
Period buying is in progress in 401k accounts. No market timing here.
- Mon May 02, 2022 1:20 pm
- Forum: Investing - Theory, News & General
- Topic: Inflation could be 20% in the next three years [Sell bonds?]
- Replies: 307
- Views: 49171
Re: Inflation could be 20% in the next three years [Sell bonds?]
A lot of people is overreacting to this inflation and rate increases. It is not the first that this is happening. World wont crash and things will be alright. Stay the course. Don't fall into the trap of fortune telling.
- Sun May 01, 2022 9:24 pm
- Forum: Personal Investments
- Topic: Individual stock ideas
- Replies: 43
- Views: 3537
Re: Individual stock ideas
It is hard to say. NVDA was one of the best performers in recent years. The problem with this type of stock is that when SP down 10% (like this year) hot stocks are down more than 30% (NVDA/AMD etc..) So if SP goes down 50%, that type of stock could likely be down 80%.
I never understood how would it make any sense to put more penny to a stock like AMD/NVDA when i see a company like MSFT/AAPL generating incredible amount of cash flows. Market cap weighing makes sense to me.
For gambling purpose i would throw money on much smaller companies, something that might work/or not in the future.
I never understood how would it make any sense to put more penny to a stock like AMD/NVDA when i see a company like MSFT/AAPL generating incredible amount of cash flows. Market cap weighing makes sense to me.
For gambling purpose i would throw money on much smaller companies, something that might work/or not in the future.
- Sun May 01, 2022 3:19 pm
- Forum: Investing - Theory, News & General
- Topic: I Bonds Mega Thread (I Bond Heads Rejoice!)
- Replies: 6651
- Views: 1202304
Re: Another I bonds thread - what am I missing?
You are not missing much. Both of your points are valid. Basically there is no inflation and interest rate risk to worry about with i bonds.
- Sun May 01, 2022 9:37 am
- Forum: Personal Investments
- Topic: Home purchase in 4-8 years, move out of 100% stock?
- Replies: 8
- Views: 802
Re: Home purchase in 4-8 years, move out of 100% stock?
OP If you started thinking about this it may not take 8 years to buy it. Especially being in good school district is particularly important if you have kids. I agree with your decision and we did move very recently due to same reasons. In order to minimize the tax hit from taxable i would focus on the following 1) Built cash in a taxable account for this purpose 2) When time gets closer sell the current house and use that money along with some cash savings to put down on next house. There maybe a short term you need to rent in between. (In our case it worked beautiful and we closed both houses couple days apart so “net” from first house went into new house closing.) Please focus on doing this transaction w/o selling a huge amount from your ...
- Sat Apr 30, 2022 12:25 am
- Forum: Investing - Theory, News & General
- Topic: IRS increases HSA contribution limits for 2023
- Replies: 22
- Views: 3128
- Sat Apr 30, 2022 12:06 am
- Forum: Investing - Theory, News & General
- Topic: I Bonds Mega Thread (I Bond Heads Rejoice!)
- Replies: 6651
- Views: 1202304
Re: I Bonds Mega Thread (I Bond Heads Rejoice!)
Did you buy 10k ibonds out of your million bucks
- Fri Apr 29, 2022 11:27 pm
- Forum: Personal Finance (Not Investing)
- Topic: College Decision
- Replies: 225
- Views: 20955
Re: College Decision
Congratulations! UPItt is a great school and the right choice. I lived in Pitt about 3 years. It is a great city. Ton of activities.
- Fri Apr 29, 2022 11:02 pm
- Forum: Personal Finance (Not Investing)
- Topic: Using 529 plan for living off campus housing
- Replies: 17
- Views: 2982
Re: Using 529 plan for living off campus housing
- Fri Apr 29, 2022 10:47 pm
- Forum: Personal Finance (Not Investing)
- Topic: Using 529 plan for living off campus housing
- Replies: 17
- Views: 2982
- Fri Apr 29, 2022 9:57 pm
- Forum: Personal Investments
- Topic: Retiring Dec-2023. Current portfolio nearly 100% stocks. Need suggestions
- Replies: 39
- Views: 7949
Re: Retiring Dec-2023. Current portfolio nearly 100% stocks. Need suggestions
You can have 3-4 years expenses in CASH or some sort of short term bonds maybe, and the rest in VTSAX. I don't think you need Primecap or VTIAX.
One stock and one bond/CASH fund is all you need, imo.
One stock and one bond/CASH fund is all you need, imo.
- Fri Apr 29, 2022 7:44 pm
- Forum: Personal Finance (Not Investing)
- Topic: I Still Think I Should Prepay the Mortgage
- Replies: 161
- Views: 17138
Re: I Still Think I Should Prepay the Mortgage
If you hate debt it doesn't matter what the rate on the mortgage is. You have to pay in order to sleep. But you better know that it is financially WRONG decision and you would very likely to have more money if you invest with a reasonable AA.
- Wed Apr 27, 2022 9:07 pm
- Forum: Personal Investments
- Topic: Should I invest in I-Bonds?
- Replies: 119
- Views: 15627
Re: Should I invest in I-Bonds?
I understand but getting 100-200$ return on something would hardly make any difference in your life, correct? I would just focus on more savings.Vanguard User wrote: ↑Wed Apr 27, 2022 8:34 pmI am not putting all of my EF in I-Bonds. My EF is $3k so I plan to put $1k in I-Bonds.
- Wed Apr 27, 2022 8:09 pm
- Forum: Personal Investments
- Topic: Should I invest in I-Bonds?
- Replies: 119
- Views: 15627
Re: Should I invest in I-Bonds?
I would keep that CASH as is and not buy I bonds.
- Tue Apr 26, 2022 8:32 pm
- Forum: Personal Investments
- Topic: TIPS Confession
- Replies: 334
- Views: 33179
Re: TIPS Confession
Because it comes up so much and we keep talking about what bonds to hold I decided people can know that I finally became convinced that there is no good reason for me to hold anything except TIPS, so the whole fixed income is now in an intermediate duration TIPS fund instead of split 50/50 with intermediate Treasuries. And there is some cash around to manage cash flow transactions with reasonable convenience. Given that we have monthly SS and pension cash income cash management is pretty much a non-issue. Yes, I confess that current inflation caused this decision, but it should have been made long ago. I still contend that lots of choices in bonds are all fine for most people most of the time. Which TIPS fund you are holding in your broker...
- Thu Apr 21, 2022 9:33 am
- Forum: Investing - Theory, News & General
- Topic: No bond portfolio
- Replies: 35
- Views: 5472
Re: No bond portfolio
No bonds for us because bonds are terrible and you are guaranteed to lose money on that. Just kidding. We never held any bonds and but always held some CASH. But we are also guaranteed to lose money on our CASH as well. It works for us.
- Mon Jan 17, 2022 9:39 pm
- Forum: Personal Investments
- Topic: Unwinding a taxable position and avoiding wash sales-am I thinking about this right?
- Replies: 39
- Views: 2204
Re: Unwinding a taxable position and avoiding wash sales-am I thinking about this right?
You don’t need to change anything. Please don't go into this rabbit hole. Unless you have millions and millions in that fund, it wont make any material impact whether you have FSKAX or FXAIX.
- Sat Jan 15, 2022 11:26 pm
- Forum: Personal Finance (Not Investing)
- Topic: Should we put more toward our mortgage?
- Replies: 219
- Views: 21752
Re: Should we put more toward our mortgage?
Never pay any penny more than required for this mortgage. You really need to ramp up the contributions to your retirement accounts. Pretax 401k, Roth IRA, and HSA. I don't think you are in a strong financial position to think to pay down this mortgage.
- Thu Jan 13, 2022 11:05 pm
- Forum: Investing - Theory, News & General
- Topic: Worth it to keep investing in blue chip stocks?
- Replies: 5
- Views: 927
Re: Worth it to keep investing in blue chip stocks?
Talking the usual blue chip stocks that drive the market. AAPL gave me >30% gains in the last year, while VTI 20%. However, at the end of a the day with such a small % of portfolio in indiv stocks, big percentage gains barely move the needle. I still often ask myself questions like: should I continue DCAing into AAPL or just drop the money into VTI?. MSFT dipped, should I start a position now? How do you guys make these decisions .. those of you who use your "play money" for blue chip stocks. Or should play money be reserved for Crypto/speculative stocks :twisted: You are right. It is meaningless to gamble if it is small. Waste of time and not going to move the needle. I would either gamble with like 30% of my portfolio or don't ...
- Tue Jan 11, 2022 9:12 pm
- Forum: Investing - Theory, News & General
- Topic: 50 Rules of Investing
- Replies: 33
- Views: 4325
Re: 50 Rules of Investing
29. If you aren’t humble, the markets will eventually find a way to humble you.