Search found 592 matches

by annu
Sat Jun 06, 2020 12:41 am
Forum: Personal Investments
Topic: Corporaate bond ETFs At This Time...
Replies: 10
Views: 615

Re: Corporaate bond ETFs At This Time...

Bnd probably lower risk and overall better choice.
Stocks went very high today, so did Corp bonds, but Monday with correction in job reports might go down along with stocks.

In BND you have better diversification against volatility like this.
by annu
Fri Jun 05, 2020 12:14 pm
Forum: Personal Investments
Topic: Tax loss harvesting & municipal bond fund earnings
Replies: 8
Views: 365

Re: Tax loss harvesting & municipal bond fund earnings

UpperNwGuy wrote:
Fri Jun 05, 2020 8:03 am
However, if you owned VWIUX instead of VTEB, different rules would apply.
How is VWIUX different?
by annu
Fri Jun 05, 2020 12:06 pm
Forum: Personal Investments
Topic: Djia/sp500 end of day dips
Replies: 1
Views: 335

Djia/sp500 end of day dips

How common is this? Trying to sell but just curious does this happen often. Never noticed markets weekly before so dont know.
:sharebeer
by annu
Fri Jun 05, 2020 10:15 am
Forum: Personal Investments
Topic: Selling 100% stocks on a bounce
Replies: 256
Views: 21665

Re: Selling 100% stocks on a bounce

but if I am right, I will have a way to recover some part of money I have already lost since this year, I see more chances of later happening in next 3-4 weeks than former..... Let me cut through all that long winded stuff about mortality rates and increasing cases, to the point, and that is summar...
by annu
Fri Jun 05, 2020 2:07 am
Forum: Personal Investments
Topic: Cash investment for a year
Replies: 7
Views: 858

Re: Cash investment for a year

Thanks for the advice. I dont think I want to open many account either. I had looked up CD rates and for a year the best I saw was 1.3%. Let me check on Fidelity and Vanguard ultra short bond funds. I have account at both places but majority is in Fidelity so I always prefer fidelity. Ultra short o...
by annu
Thu Jun 04, 2020 6:32 pm
Forum: Personal Investments
Topic: VGLT: long term treasury
Replies: 13
Views: 897

Re: VGLT: long term treasury

So besides the fact I just bought and swapped my BND allocation with fidelity version of long term treasury (fnbgx), is there another reason why it is going down every day and trending do so? You did this swap after considering the pros and cons of such a move, right? what were the main drivers of ...
by annu
Thu Jun 04, 2020 4:55 pm
Forum: Personal Investments
Topic: VGLT: long term treasury
Replies: 13
Views: 897

VGLT: long term treasury

So besides the fact I just bought and swapped my BND allocation with fidelity version of long term treasury (fnbgx), is there another reason why it is going down every day and trending do so?
by annu
Thu Jun 04, 2020 12:02 am
Forum: Personal Consumer Issues
Topic: Linux Users- Are you running antivirus?
Replies: 21
Views: 1314

Re: Linux Users- Are you running antivirus?

Do not user super user account, always enabled this level of security and with normal firewall rules you should be okay.
Also be carefull of what services you enable or have enabled. If you have ssh enabled for example, do not use default or easy passwords.
by annu
Tue Jun 02, 2020 8:16 pm
Forum: Personal Investments
Topic: Optimal Bond Fund
Replies: 39
Views: 3038

Re: Optimal Bond Fund

Long-term Treasuries. They are more likely to reduce portfolio volatility (bond volatility alone does not matter) and to reward long-term investors than any of the rest. I switched to fnbgx, swapping my BND allocation with it. But below is an interesting read, a counter to ltt. https://www.forbes.c...
by annu
Mon Jun 01, 2020 8:08 pm
Forum: Personal Investments
Topic: Optimal Bond Fund
Replies: 39
Views: 3038

Re: Optimal Bond Fund

Hello, I currently am 100% equity (70% US/30% International) but will eventually transition into a 35% bond allocation when I retire (in 9+ years). I am unsure what type of bond fund to choose. Here are the constraints: 65% Equity/ 35% Bond I only want to choose 1 bond fund to keep things simple Op...
by annu
Mon Jun 01, 2020 1:42 pm
Forum: Investing - Theory, News & General
Topic: Swedroe’s Bond Advice - no total bond index
Replies: 185
Views: 14503

Re: Swedroe’s Bond Advice - no total bond index

What do you recommend as an alternative? I have BND as 100% of non stock portion, had bndx as well, but got rid of it as in 2+ yearsbof holding did not see much impact. My general advice is use US Treasury bond funds with a duration appropriate to your investment horizon. Assuming you are long-term...
by annu
Sat May 30, 2020 8:47 pm
Forum: Personal Investments
Topic: An NTSX alternative in taxable?
Replies: 27
Views: 1178

Re: An NTSX alternative in taxable?

Would you consider SWAN instead of edv?
by annu
Sat May 30, 2020 8:24 pm
Forum: Personal Investments
Topic: Out of market now and need advice on re-entering
Replies: 107
Views: 9866

Re: Out of market now and need advice on re-entering

I also pulled out in feb, but when I get back will be same allocation, not going to change based on any losses I might have incurred due to being out. I was close to 75/25 before, may go 70/30 this time. But will not be looking for increasing stocks, as if nothing else, I know I dont want more losse...
by annu
Fri May 29, 2020 4:59 pm
Forum: Personal Investments
Topic: DraftKings?
Replies: 25
Views: 1778

Re: DraftKings?

Yeah with no job and risks to keeping current jobs, no income, people will be able to gamble more this year, more new gamblers will be available with all the money going around. :( On the other hand if everything gets better, and things are back to 100%, why would this year be any special for gambli...
by annu
Fri May 29, 2020 4:55 pm
Forum: Personal Investments
Topic: Time for a new house?
Replies: 35
Views: 2772

Re: Time for a new house?

I don't think we want to sell the current house in a down market right now. Prefer to hold on to it for a fee years and break even while renting it out. Are you handy? Do you want to invest the time to find renters and become a landlord? What if you get someone who tears up the house? It will proba...
by annu
Fri May 29, 2020 4:49 pm
Forum: Personal Investments
Topic: Best place to put my cash right now
Replies: 11
Views: 1776

Re: Best place to put my cash right now

I plan on moving to https://investor.vanguard.com/mutual-funds/profile/VFISX from money market, it did not get severely impact in March and is short duration enough that will fit for current environment. I am also considering moving to VGLT for my BND allocation, 1 to 1 swap. Could not do it today, ...
by annu
Fri May 29, 2020 10:31 am
Forum: Personal Investments
Topic: Does is makes sense for me to refinance and do it this way?
Replies: 10
Views: 649

Re: Does is makes sense for me to refinance and do it this way?

Search for bankrate amortization calculator on google and use to see how much in interest you will be paying, it has option for extra payments as well. 3.0% seems high, so please search around. Better.com has a 2500 american Express incentive and they also claim to match other deals. I would still s...
by annu
Fri May 29, 2020 1:24 am
Forum: Personal Investments
Topic: Overpay for the home we love?
Replies: 62
Views: 4770

Re: Overpay for the home we love?

Looks like your first home. Many people weresaying zillow is off but where I am, homes are sold pretty close to zillow/ redfin estimates. So for assuming that is correct, you are being asked to pay 10% more that what home is worth, since you are willing to pay, forget about any repairs or fixes eit...
by annu
Thu May 28, 2020 10:13 pm
Forum: Personal Investments
Topic: Japanese stocks as an “investment haven”
Replies: 11
Views: 1281

Re: Japanese stocks as an “investment haven”

A haven? In stocks? Here is a list of investments that are havens: *TIPS *AAA short bonds *Money markets *Bank accounts Other than tips and short bonds I ha e huge %age in MM and Bank. Can you share couple of funds which fit your criteria. Seriously considering long term treasury for my BND allocat...
by annu
Thu May 28, 2020 9:53 pm
Forum: Personal Investments
Topic: Overpay for the home we love?
Replies: 62
Views: 4770

Re: Overpay for the home we love?

Looks like your first home. Many people weresaying zillow is off but where I am, homes are sold pretty close to zillow/ redfin estimates. So for assuming that is correct, you are being asked to pay 10% more that what home is worth, since you are willing to pay, forget about any repairs or fixes eith...
by annu
Thu May 28, 2020 2:57 pm
Forum: Personal Investments
Topic: Using VGT in portfolio
Replies: 19
Views: 1018

Re: Using VGT in portfolio

There is none that I can see/find, short of making one @ M1 or something like that, but then it will be a self-management nightmare.
by annu
Thu May 28, 2020 12:16 am
Forum: Investing - Theory, News & General
Topic: Swedroe’s Bond Advice - no total bond index
Replies: 185
Views: 14503

Re: Swedroe’s Bond Advice - no total bond index

For me it’s simply VAIPX intermediate TIPS and VBILX intermediate bonds minus MBSs. So basically treasuries with some corporates. I'm not sure simply belongs in that sentence :D I'm looking for one fund as part of a 3 fund portfolio. I want simplicity. As in a treasuries fund to consider replacing ...
by annu
Thu May 28, 2020 12:11 am
Forum: Personal Investments
Topic: SCV worth higher ER?
Replies: 12
Views: 640

Re: SCV worth higher ER?

I am sorry missed the part about 457b, thought it was 401k, in there they offer brokerage link
by annu
Wed May 27, 2020 11:40 pm
Forum: Personal Investments
Topic: Paying Off/Down Mortgage vs Investing
Replies: 15
Views: 1796

Re: Paying Off/Down Mortgage vs Investing

See Paying down loans versus investing on the wiki. When the CD matures, you may have the following four choices. A. Use the money to pay off the mortgage, B. Use the money to buy bonds. C. Use the money to pay off the mortgage, and then move an equal amount from bonds to stocks. D. Use the money t...
by annu
Wed May 27, 2020 11:37 pm
Forum: Personal Investments
Topic: SCV worth higher ER?
Replies: 12
Views: 640

Re: SCV worth higher ER?

Look into vioo, it is based on sp600, more valueeee :beer https://investor.vanguard.com/etf/profile/VIOO

I had it at fidelity, it's an etf you can own for cheap. I enabled brokeragelink for my 401k and was able to access this fund.
by annu
Wed May 27, 2020 6:54 pm
Forum: Investing - Theory, News & General
Topic: Swedroe’s Bond Advice - no total bond index
Replies: 185
Views: 14503

Re: Swedroe’s Bond Advice - no total bond index

Saying that anything other than TBM or a LMP approach is bond 'betting' is nonsensical. Total bond market funds have two strikes against them. One is that that they are relatively poor diversifiers, not only because the credit risk of the corporate bonds is highly correlated with the equity risk in...
by annu
Wed May 27, 2020 6:50 pm
Forum: Personal Investments
Topic: Using VGT in portfolio
Replies: 19
Views: 1018

Re: Using VGT in portfolio

I am exact opposite. I am hoping for sp494/sp495 fund which does not have the top 5/6 companies as they to seem to be overshadowing and I really want to invest outside of these few companies.
by annu
Wed May 27, 2020 3:42 pm
Forum: Personal Investments
Topic: Ny 529
Replies: 4
Views: 364

Re: Ny 529

One thing I realized this year, a month after kids birthday they will take changes, and it seems like inyour account you converted securities.m to different ones, as based in age they can go from 100% stocks to some bonds and so on. So just a note, I called the plan support line to learn this we wer...
by annu
Tue May 26, 2020 8:43 pm
Forum: Investing - Theory, News & General
Topic: Is Vanguard's money where its mouth is?
Replies: 21
Views: 1877

Re: Is Vanguard's money where its mouth is?

Will you pay more for a fund which had this service?
by annu
Tue May 26, 2020 1:18 pm
Forum: Investing - Theory, News & General
Topic: Anybody do any GOOD timing the market?
Replies: 123
Views: 7270

Re: Anybody do any GOOD timing the market?

I wonder where all of the 'got out and am DCAing back in' folks went. Or those who were (are?) waiting for things to 'go lower' ... :shock: They’re still around. They won’t be back if we continue up, but if we get another dip they’ll be back in full force. You never hear from them before they make ...
by annu
Tue May 26, 2020 1:13 pm
Forum: Personal Investments
Topic: Global ex-China
Replies: 2
Views: 166

Re: Global ex-China

by annu
Mon May 25, 2020 11:43 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18853
Views: 2636573

Re: U.S. stocks in free fall

Stinky wrote:
Mon May 25, 2020 4:03 pm
Kookaburra wrote:
Mon May 04, 2020 8:55 pm
Calendar is marked for a May 25 re-start of the meltdown. Three weeks from today.
It’s May 25 - has the meltdown started yet?
Sp500 might hit 3000......so maybe pushed out to may 26th for meltdown
by annu
Mon May 25, 2020 11:29 pm
Forum: Personal Investments
Topic: Vanguard Balanced Index Fund Admiral Shares; Only Fund to invest
Replies: 10
Views: 1770

Re: Vanguard Balanced Index Fund Admiral Shares; Only Fund to invest

I had https://investor.vanguard.com/mutual-fu ... file/VTCLX 50% with vwiux( muni bond fund) .this way I could tax loss harvest, also you can pick a muni fund for your state if available.
by annu
Mon May 25, 2020 9:53 pm
Forum: Personal Investments
Topic: Real Property Held Short-Term - Able to Deduct Loss?
Replies: 8
Views: 496

Re: Real Property Held Short-Term - Able to Deduct Loss?

I am not sure, but it does not feel right, as this loophole if legal can be exploited where you buy and sell properties at discount to people you want to influence, what is stopping you from taking rest in cash, to always show losses. I do know when one of friends got a home at discount(they are ver...
by annu
Mon May 25, 2020 2:19 pm
Forum: Investing - Theory, News & General
Topic: Anybody do any GOOD timing the market?
Replies: 123
Views: 7270

Re: Anybody do any GOOD timing the market?

I wonder where all of the 'got out and am DCAing back in' folks went. Or those who were (are?) waiting for things to 'go lower' ... :shock: They’re still around. They won’t be back if we continue up, but if we get another dip they’ll be back in full force. You never hear from them before they make ...
by annu
Mon May 25, 2020 3:01 am
Forum: Personal Investments
Topic: Where to allocate International Index Funds? Opinions welcomed for this new portfolio
Replies: 11
Views: 1028

Re: Where to allocate International Index Funds? Opinions welcomed for this new portfolio

Welcome to the forum! Due to my desired US Stock 50%, International 20%, REIT 10%, Bond/Cash 20%, it's obvious that my asset allocations are all wrong. Mostly due to the cash I need for the down payment for the home. The cash saved for a down payment should not be counted in the allocation of your ...
by annu
Mon May 25, 2020 2:48 am
Forum: Investing - Theory, News & General
Topic: El-Erian comments on the crisis
Replies: 63
Views: 6682

Re: El-Erian comments on the crisis

Comparw Sweden to Norway and you will see how bad Sweden is doing. And heard community which happens after 70% or so infection rate, is nowhere close.....
by annu
Mon May 25, 2020 2:30 am
Forum: Personal Investments
Topic: Roth IRA 100% stocks Betterment or VTWAX Vanguard?
Replies: 17
Views: 1159

Re: Roth IRA 100% stocks Betterment or VTWAX Vanguard?

For USA, since it isbyax degree you are okay. Foreign tax credit is something you get when you invest in international equities which are taxed internationally, so for usa you get a credit. But ignore that for now. Even tax loss harvesting is only relevant in taxeable account. So you should be okay ...
by annu
Mon May 25, 2020 1:18 am
Forum: Personal Investments
Topic: Convertible bond ETF for less risk with some upside
Replies: 11
Views: 663

Re: Convertible bond ETF for less risk with some upside

I am sorry, since I am looking for alternatives as well, was focusing on just last 2 years. I do get after recovery, that icvt will grow faster as well, but for now am looking for less drawdown. Looking at top 20 holdings, looks like there tesla 2 times and microchip twice as well, besides a carniva...
by annu
Mon May 25, 2020 12:45 am
Forum: Personal Investments
Topic: Convertible bond ETF for less risk with some upside
Replies: 11
Views: 663

Re: Convertible bond ETF for less risk with some upside

If I compare for 2018 to 2020, ignoring big bull run( since you are trying to have safer option than stocks, but still capture gains and lower drawdown). Comparing BND to ICVT dont see huge difference https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=2018&firstMonth=1...
by annu
Sun May 24, 2020 10:48 pm
Forum: Investing - Theory, News & General
Topic: Which investor is bullish?
Replies: 14
Views: 1433

Re: Which investor is bullish?

1. If you can get your hands on Saturday's Wall Street Journal note an essay in the review section which essentially asserts economic growth explosions closely follow pandemic events. Post Spanish Flu just the latest example (Roaring 20''s) 2. If you backtest a 100% US Stock market portfolio for th...
by annu
Sun May 24, 2020 9:42 pm
Forum: Personal Investments
Topic: Fun Money in Health Stocks
Replies: 5
Views: 557

Re: Fun Money in Health Stocks

Diseases and there possible cures are endless. Speculation on cancer cure, or heart disease or diabetes might be better option, as too much focus on covid. I will personally stay away from vht, as due to tele medicine, things will change quite a bit. Also for covid specifically, there will be risk o...
by annu
Sun May 24, 2020 7:36 pm
Forum: Personal Investments
Topic: Dollar Cost Averaging - How long?
Replies: 14
Views: 1254

Re: Dollar Cost Averaging - How long?

Why did you stop or pull money out? If that concern is something you feel has been addressed, probably going all in at 1 time should be no brainers for you. As time in market is better than timing it. But if there is something stopping you from doing that, it is not a very bad problem to have, sitti...
by annu
Sun May 24, 2020 7:00 pm
Forum: Personal Investments
Topic: where to park $150k?
Replies: 6
Views: 1129

Re: where to park $150k?

CD is tour best bet, there are bonpenaly cds as well. Even with bonds there is risk of losing principal.

There was a thread to use a target date fund as well, but risk ofnlpsing capital is still there.
by annu
Sun May 24, 2020 4:20 pm
Forum: Personal Investments
Topic: Investing cash from sale of my rental
Replies: 1
Views: 212

Re: Investing cash from sale of my rental

So you need 800 extra a month? I think just a no penalty High yield CD for 600000, with $800 a month draw will lat you 62 years.
by annu
Sun May 24, 2020 3:01 pm
Forum: Investing - Theory, News & General
Topic: Peer to peer lending in this day and age
Replies: 46
Views: 2766

Re: Peer to peer lending in this day and age

...I know that Larry Swedroe recommended P2P investments... He didn't recommend direct individual investments in peer-to-peer lending. As a part of a portfolio, he recommended a combination of one mutual fund and three interval funds--QSPRX, AVRPX, SRRIX, and LENDX--in equal amounts. The relative c...
by annu
Sun May 24, 2020 2:37 am
Forum: Investing - Theory, News & General
Topic: What's your take on the risk that authorities might ban private ownership of gold?
Replies: 9
Views: 979

Re: What's your take on the risk that authorities might ban private ownership of gold?

Yes, this along with probed by Aliens is my top two list of things happening in near future :twisted:
by annu
Sat May 23, 2020 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Worried about sibling financial future
Replies: 31
Views: 3961

Re: Worried about sibling financial future

You might like a view from opposite end than yours. Not going too much into detail, just knowing my brother cared, was enough for me. My issues were never just financial, but I sure needed good people who cared, to be present. So if you reach out, do that without any judgement. Not everyone needs a ...
by annu
Sat May 23, 2020 11:43 pm
Forum: Personal Investments
Topic: Does it make sense to exclude China from portfolio and/or EM
Replies: 18
Views: 1112

Re: Does it make sense to exclude China from portfolio and/or EM

I was going to make changes along these lines, not due to any political reasons, but just feel there is a lot less transparency. But a mix of being distracted, a new bottle of red my wife got me, I somehow own 20% more in EM(VEMAX, vanguard eemerging market fund) than I did on Thursday :oops:
by annu
Sat May 23, 2020 10:06 pm
Forum: Investing - Theory, News & General
Topic: REITs in a world of WFH + social distancing
Replies: 27
Views: 1989

Re: REITs in a world of WFH + social distancing

I expect international reits like vnqi to have an edge. More companies are realizing they can have worker work remotely, and that it is cheaper if the worker works remotely from somewhere much cheaper, and maybe in an office. Many teams had to show their value in last few months and suddenly work t...