Bogleheads.org

annu

Some poor guy who does not get paid enough has to deal with this crap. As someone who spent some time working a retail job as summer job, can confirm you see the worst side of people, and being treated like a non-person does make you think of lashing out at people sooner or later as no one deserves ...

annu

Looks like you already have the answer, so just looking for confirmation :D I do real estate, as a diversifier, but it is not comparable to Stock investing, as investment domain is not the same, and neither are returns. Where I am at, we have seen 20% gains in SFH, in last 6 months, with rents also ...

annu

Personally would do the same if I had that high loan, did same with a 3% loan on home, so not exactly the same but close I guess :happy One thing I will suggest, look into any implications of owning business property fully vs bank also involved, any effect on insurance, liability etc. I do have a qu...

annu

Just to add to real estate. If you plan to wait, then it better be multiple years, with new covid relief packages, people can stop paying mortgage with no impact on their credit score and also even after end of 1 year delay the owner has provision to be able to renegotiate their loan terms. So unles...

annu

Looking at IDEV, IEMG and IXUS, looks like below Total number of companies: 2171, 2513, 4303 Country holdings 1 Japan 23.28% China 36.48% Japan 16.11% — 2 United Kingdom 13.34% Taiwan 14.41% China 11.20% — 3 Canada 9.28% South Korea 13.58% United Kingdom 9.24% — 4 France 8.39% India 10.07% Canada 6....

annu

Well, I have been reducing bond allocation every year, as we invest more in real estate, not that I believe real estate plays the same role, but that it is a different investment then Stocks and I personally don't feel the appeal of Bonds in my allocation, even before the rates tanked, currently hav...

annu

House prices will not be under control for atleast 1 more year, if not more. With Covid, one nice thing, there is very good protection for home owners and someone losing their job or for whatever reason they cannot pay mortgage, they can sign up for forbearance, where atleast for a year, they can st...

annu

Just a thought, since you mentioned not in US anymore, is there an option to use the local bonds from where you are? For e.g. some places are still offering high yield in local currency bonds, I have seen as high as 7% for senior citizens. Big risk being it is in local currency not $.

annu

returns are inversely related to risk. Not many safe options with high interest. Treasuries are paying decent, maybe an option.

annu

Real estate is not risk free, but especially starting out, probably nothing as good and as fast to increase net worth. This guy puts it really well, much better than I have been ever trying to explain this https://www.youtube.com/watch?v=zshlrp-6n1o

annu

...I do own a Franklin fund already, just one issue I have seen liquidity and also they closed some funds so general concern if they liquidate more. FLGB has a nicely sized $205.98 Million in net assets and is perhaps not low enough to worry about it we go by the rule of thumb that "once a fun...

annu

I know it is frowned upon here, but if you are interested in Real estate, depending on your net worth, owning single family home and renting is still a very good if not the best way to start investing in Real estate. If you can also house hack on top of it, it is even faster way to add to net worth....

annu

Finding this is what stopped me from going in, had checked everything else about a storage facility fund, really liked all the numbers. But the hassle of tax time, really made it look like a lot more active investment then passive one.

annu

I do, and as soon as they get to what I bought them for, will be selling right away. I have VNQ and VNQI, no dividends for a while as well

annu

Considering your kids age, maybe 529 is an option? You can do lumpsum/overcontribute above the yearly limit as well.

annu

Any other funds besides Franklin? This site claims to offer the Best UK ETFs for Q2 2021. But notably missing from their 3 ETF's is Franklin, which is strange... Just by looking at the expense alone, theirs are ZGBR 0.14%, EWUS 0.59%, FKU 0.80%, while Franklin's is only 0.09%. EWUS is a small-cap v...

annu

Any other funds besides Franklin?

annu

If you make high income, why not buy every month, will probably make it easier to buy over a spread and also no margin. Issue with margin, you have to be aware if market goes down enough, your equities can be sold to make up for the money owed by the broker. if you still plan on doing this, IB(inter...

annu

An advantage over buying directly is that you have no need to worry about wallets and passwords and private keys. We've all heard about people who have significant BTC but can't access it, or literally physically lost it. So, yes, this is a good way to speculate in BTC without having to worry about...

annu

Its less then 1 year old. So could not get anything on portfoliovisulaizer.
But of late bitcoin has been following the market, almost alligned. In this case, why not buy bitcoin directly?

annu

2 to 3 years, CD is only viable option. Anything else(like 3 fund portfolio https://www.bogleheads.org/wiki/Three-fund_portfolio) or even 60 Stocks/40 bonds not a good idea for 2 to 3 as you can probably in loss around the time you need the money.

annu

Best things my parents helped us do, leave college with no debts. We have scholarships, but anything on top of that, they covered, and it really did help each of us a lot. If you can do the same, I can tell you talking to my friends who had debt right out of school, many of them never could get out ...

annu

I dont like leverage. We have couple of Single family homes and have them paid off, it does make it difficult to avoid taxes, but also helps us being more selective when we are looking for renters, and did I mentioned no mortgage

annu

Well you can do both

.
I am doing monthly investments form paycheck as normal, but keeping extra cash that I plan to invest lump sum after April(Next CPI report will comming up and inftaion numbers are going to be high).

annu

I spent a lot of time looking into these, my $0.02, the details are what will get you. There are layers of investors, with some in line ahead of you, especially if things go south. Also they do seem to target Physicians a lot more, as I feel due to higher cash flows maybe they do not followup as agg...

annu

Rate of return increases with rate of risk. Short of CD, there is not much else, especially for 1 year. A 60/40 Split(60% stocks and 40 bond), is probably safest choice, but definitely higher risk then CD and far from being a safe/sure bet.

annu

To compare markets look into roofstock.com.
For commercial crowdstreet is an option.

Roofstock has neighborhood classes, you can pick class a to see how rents compare. Considering you are doing all cash, 5% is very doable.

annu

5 months is a long time to finish investing, especially with the money just sitting there. If it is long term, maybe going little faster may help. I also invest in VWIUX, and I also felt loyalty towards Fidelity as we always use them, but when Fidelity rep told me, there is $75 fee for buying it, I ...

annu

Lump sum is easy, but be aware April with new inflation data, which will be expectedly worst, there will be volatility again for a little bit. So if you will be okay through it just go in now. I have been investing in new account I setup, and invested through last week and got some good deals on VTI...

annu

I have been doing ITOT/IXUS(ishares versions of VTI/VXUS). So if market goes down will tax loss harvest into VT/VXUS, since we have VTI/VXUS is all other accounts(Tax deferred), will make tax loss harvesting a lot simpler to manage. Also if you move 100k to schwab, they giving out $500. Beyond that,...

annu

Buying needs to factor in property tax, mortgage interest (if any), maintenance/upkeep and capital improvements (remodeling and long lived repairs). Maintenance expense and capital improvements are often overlooked in the buy vs rent decision. And assign a financial value to your time spent on the ...

annu

I started doing ITOT/IXUS(iShares version of VTI/VXUS) mostly so that it is simpler to tax loss harvest to VTI/VXUS when needed as we are only using vanguard funds in all other accounts. WHile it is probably too late as already done investing 60% of money allocated, but will be interested in seeing ...

annu

I had some money to invest, so went with schwab, and also got their $500 bonus, and holding ITOT/IXUS(Ishares versions of VTI/VXUS). The plan is since we hold primarilty VTI/VXUS in other accounts including 401k/IRA, will be easy to tax loss harvest to VTI/VXUS(if neeed), then tlh from VTI/VXUS to s...

annu

With mortgage rates so low, if you are ready to buy a home, buy now. If you are renting any payment is going towards someone else's mortgage, when you could be building equity for yourself.

annu

Gambling should still imply some probability of winning :happy . I use fidelity as well, but if I dont see something there, just assumed that it is probably not worth the risk and hassle. [Disrespectful comment removed by moderator oldcomputerguy] I have a fidelity account and they have caveat empt...

annu

With yields high, I plan on holding, otherwise you will be taking the loss. I think with higher yields, holding it as planned should compensate for loss in value. Since these are 20+ years, no point selling due to 6 months or less of downturn.

annu

From my basic understanding, when I got long term bond, it was for 20+ years, so for variations short term will not worry too much. Also while it has gone down, yields have gone up, it was ~2% last I checked, so that should compensate. I have primarily been in https://fundresearch.fidelity.com/mutua...

annu

I have VWO(https://investor.vanguard.com/etf/profile/portfolio/vwo), liked its country holdings. If you wan to overload into one country, you can always buy some of country specific ETFs, I use Franklin ETF for that sepcifically, as I also wanted more exposure to a specific country

annu

We did payoff our mortgage, and only thing we used to decide that, added peace of mind, not having to plan/worry about mortgage was 100% worth it.
I never went the calculation route though

annu

Living off cash is pretty close to living off of Total US Stock Market Index fund. That's because the stock fund will pay a low yield of mostly qualified divdends that are taxed less than interest and return of capital is not taxed. So putting this money in cash is kind of a waste to me. This compl...

annu

For my first Commercial, bought an office building, building/developing a new property as your first will be a big undertaking. I will suggest research bit more including looking at Crowdstreet. Just like any other real estate purchase, all folks involved in selling or even buyers agent, get a cut o...

annu

Just one headsup. Once money is in Brokeragelink, you will not be able to separate Pre vs Post tax contributions, nor even see how much of each you are using in any investment, which is the case in default settings.

I do brokeraglink as well, but liked the detailed view

annu

Mortgage rates are very low, and you can get very good rates if you have good credit history. But housing market is also quite competitive. We did not have some big life changing event that made us realize we wanted a home, just that we have 2 kids, once they go to 3+, wanted to have a yard and also...

annu

I did below, also in Fidelity. 84% Vanguard 500 Index Fund (VFIAX), used VOO(Etf version) 16% Vanguard Extended Market Index Fund (VEXAX). VXF(etf version) Comes as below Large 24 29 24 mid. 5 6 6 small 2 2 2 used from the link: https://www.bogleheads.org/wiki/Approximating_total_stock_market

annu

I did below, also in Fidelity.

84% Vanguard 500 Index Fund (VFIAX), used VOO(Etf version)
16% Vanguard Extended Market Index Fund (VEXAX). VFX(etf version)

Comes as below

Large 24 29 24
mid5 6 6
2 2 2

annu

With a referal code, schwab will give you $500 for 100k deposited, in 45 days. Probably best option rate wise.

annu

What recent events? I have some money in MGK, https://investor.vanguard.com/etf/profile/MGK. A mega corp etf, but nothing changed there. WHat finds do you have which has seen big changes?

annu

Only thing I can think of, if you have any capital loses, you can use them to offset some of the gains....

annu

Depends, if you got money/assets, can get complicated. We recently got done making a revocable living trust. I used the legal plan from my company to get a lawyer and set it up. If your company has an option like that as well, probably cheapest to get it done that way. My employer had ~$15 a month o...

annu

Looks like Schwab is best @ $500, Merryl next @ 375. But need a referral for Schwab. If anyone has an account will appreciate a referral..... :D Per this post (updated 1/17/21), it looks like Merrill Edge bonus is $500 for $100k. If you want to go to Schwab, DM me for a referral link. Thanks for re...

Search found 1004 matches