Search found 13 matches

by YogurtRunner
Thu Oct 10, 2019 9:05 am
Forum: Personal Investments
Topic: 500 Index v Tax-Managed Cap Appreciation Funds
Replies: 8
Views: 907

Re: 500 Index v Tax-Managed Cap Appreciation Funds

Try PortfolioVisualizer. Set up a single fund portfolio with VFIAX vs. whatever and do a comparo. I've been rather attached to VEIRX and once I did this I had to let go of the idea. The managed fund with the higher expense ratio was actually not better and was causing me tax headaches to boot.
by YogurtRunner
Thu Oct 10, 2019 8:20 am
Forum: Personal Investments
Topic: I pulled out... How do I get back in?
Replies: 100
Views: 13375

Re: I pulled out... How do I get back in?

I guess I could try to be helpful and just answer the question of how to get back in as I have had to do this myself. I made moderate but deliberate investments, took my time getting back, used Portfolio Visualizer as a guide, and was not overly concerned with market timing. I kept to an asset alloc...
by YogurtRunner
Thu Oct 10, 2019 8:04 am
Forum: Investing - Theory, News & General
Topic: Artificial Intelligence and the stock market
Replies: 65
Views: 6547

Re: Artificial Intelligence and the stock market

I work for a major Blue Chip Dow component company. They have hired some of the best minds available to tinker with ML and AI for them. I attend the in-house tech conferences all the time. Thus far, I can assure you, the AI stuff here is so far 100% bs and I am embarrassed for the "great minds" who ...
by YogurtRunner
Wed Oct 09, 2019 3:01 pm
Forum: Investing - Theory, News & General
Topic: John Bogle’s formula says 1% real stock returns likely over next decade
Replies: 187
Views: 19819

Re: John Bogle’s formula says 1% real stock returns likely over next decade

I don't know if I would, but the article linked in the OP was dated November 30, 2018, the Bogle article dates from Oct 2017. Unless he meant it to begin the moment the article went to print, we can assume he meant 'shortly'. From start of 2018, the S&P was at 28 and change. Remind me again where i...
by YogurtRunner
Wed Oct 09, 2019 12:11 pm
Forum: Personal Investments
Topic: Where Does the Dividend Go?
Replies: 9
Views: 1369

Re: Where Does the Dividend Go?

Dumb question: But does it work the same way for ETFs and Mutual Funds?

Reason I ask is I re-balanced my taxable account recently and then kicked myself when I realized I should have waiting for one of the dividends to pay out to me. If the price dropped in lockstep, then it won't matter.
by YogurtRunner
Mon Oct 07, 2019 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Career Change from Commercial Banking
Replies: 14
Views: 1513

Re: Career Change from Commercial Banking

This sounds like a perfect time to talk to a career coach. I went to one of those during my sabbatical in 2017. I went because I was tired of being a software engineer and knew I was losing my passion for it. I spent $750 over several sessions, but I don't even care about the money, I wanted badly ...
by YogurtRunner
Mon Oct 07, 2019 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Half of Retirees Afraid to Use Savings
Replies: 111
Views: 12722

Re: Half of Retirees Afraid to Use Savings

A couple observations: 1. Best friend retired from Gov't with 34 years in, age 56. Did well in TSP and side investments. Wife continued to work. First 6 months, love it. Afterwards, hated it. No one his age was able to "play" during the day, as they were all working. Wife wasn't home. So he golfed,...
by YogurtRunner
Mon Oct 07, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 431
Views: 62221

Re: Losing a job in your 50's...

Again I have no comment on individual cases except out of politeness I accept that however a person describes what happens to them, then that's what happened in that individual case. But, looking at the forest not the trees, if US companies consistently fired more productive per $ employees because...
by YogurtRunner
Mon Oct 07, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 431
Views: 62221

Re: Losing a job in your 50's...

As a 40 something tech worker, I see the 50's as a dangerous time for one's career to stagnate. Personally, I think the best defense is to stay out of middle management (get to director level+ asap) or stay technical and relevant. Those that make it to higher management are wealthy enough to retire...
by YogurtRunner
Thu Oct 03, 2019 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Willingly going from lucrative job to unemployed?
Replies: 132
Views: 14051

Re: Willingly going from lucrative job to unemployed?

I also work in tech, but in the Midwest. I'm 46, and have been working since I finished a PhD in 2003 (subject to about 6 months unemployed due to the massive tech bubble bursting). I loved academia, but I could not justify working for 1/4 to 1/2 of what I could make writing enterprise software. It ...
by YogurtRunner
Thu Oct 03, 2019 9:04 am
Forum: Personal Investments
Topic: Confused about auto-reinvested dividends
Replies: 3
Views: 739

Re: Confused about auto-reinvested dividends

I turned off the DRIPs in my taxable accounts. I like to see the dividends arrive in the settlement acct and keep track of how I re-invest them myself which helps me keep my allocations balanced and helps me when I sell. On the IRA side I mostly do the DRIPs, but not all because I purchased desired ...
by YogurtRunner
Thu Oct 03, 2019 8:40 am
Forum: Personal Investments
Topic: Learnings/Regrets from last two recessions
Replies: 91
Views: 12487

Re: Learnings/Regrets from last two recessions

Sold almost all equities Fall '07 (?) ahead of the big drop because I had an account at NetBank which was the first bank to fail and get bailed out by FDIC. I lost next to nothing in the downturn, but also didn't re-invest in time to realize the big gains. It wasn't until about 2011 that I even had ...
by YogurtRunner
Wed Oct 02, 2019 5:57 pm
Forum: Personal Investments
Topic: I pulled out... How do I get back in?
Replies: 100
Views: 13375

Re: I pulled out... How do I get back in?

A 50% run-up would be missed, and it might happen before the next 20% or more drop. ... I'm just curious as to where you eternal optimism stems from? We have had an outstanding year until recently and yet nothing in my portfolio has, to my knowledge, experienced a "50% run up." A couple of notable ...