Search found 447 matches

by tvubpwcisla
Sat Jun 06, 2020 11:33 am
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1191
Views: 102607

Re: Well, I am market timing due to coronavirus... Wish me luck.

This just goes to show that no one is able to predict the future. Anything can happen at anytime.
by tvubpwcisla
Sat Jun 06, 2020 11:31 am
Forum: Personal Investments
Topic: Vanguard vs. Fidelity
Replies: 70
Views: 3530

Re: Vanguard vs. Fidelity

I have about $30K invested in my IRA (total stock market) in Vanguard. My husband has about $33K invested in his IRA (S&P) with Fidelity. I'm struggling with whether I should stay with Vanguard or switch to Fidelity since I am a smaller investor (at least right now) and read that Fidelity is better...
by tvubpwcisla
Sat Jun 06, 2020 11:30 am
Forum: Investing - Theory, News & General
Topic: Has technology become a defensive sector?
Replies: 6
Views: 311

Has technology become a defensive sector?

I received an email newsletter from Zacks I found pretty interesting. They discussed how during recent downturns in the financial markets, investors have been buying technology where traditionally they would invest in utilities, consumer staples, and other defensive sectors. The question was raised,...
by tvubpwcisla
Fri Jun 05, 2020 10:11 am
Forum: Investing - Theory, News & General
Topic: Market Euphoria?
Replies: 63
Views: 4896

Re: Market Euphoria?

If anything, the market is still depressed.

The market is still quite a bit on sale from the all time highs and investors will continue to buy up the beat down stocks. I would not bet against it. In fact, I would take out insurance it is going to keep climbing higher as the businesses reopen.
by tvubpwcisla
Thu Jun 04, 2020 7:30 pm
Forum: Investing - Theory, News & General
Topic: The 60/40 Portfolio Now Positive for 2020
Replies: 4
Views: 1000

The 60/40 Portfolio Now Positive for 2020

There is a lot of debate if the 60/40 portfolio of Stocks and Bonds is still a good choice for investors.

https://www.cnbc.com/2020/06/04/the-sta ... -year.html

It's nice to see it in the green for the year!

:moneybag
by tvubpwcisla
Tue Jun 02, 2020 11:06 am
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 315
Views: 16562

Re: Why the heck is the market up?!?!

Here are 10 reasons to consider: 1. Stocks are on sale. 2. Investors think long term. 3. Investors ignore the news. 4. Investors understand that most of the money made in the market happens during the worst of times. 5. Investors know that no matter what is going on, there are great companies that g...
by tvubpwcisla
Tue Jun 02, 2020 6:30 am
Forum: Investing - Theory, News & General
Topic: S&P 500's Closing Price at Year End
Replies: 5
Views: 512

Re: S&P 500's Closing Price at Year End

Silence Dogood wrote:
Tue Jun 02, 2020 6:27 am
OP,

Here are our "expert" predictions: The 2020 Boglehead Contest
Awesome, thanks!
by tvubpwcisla
Tue Jun 02, 2020 6:26 am
Forum: Investing - Theory, News & General
Topic: S&P 500's Closing Price at Year End
Replies: 5
Views: 512

Re: S&P 500's Closing Price at Year End

midareff wrote:
Tue Jun 02, 2020 6:24 am
I predict that for those who have matched their AA with their risk tolerance and SWAN it will matter little to not at all. Perhaps academic or statistical curiosity only.
100% in agreement!
by tvubpwcisla
Tue Jun 02, 2020 6:15 am
Forum: Personal Investments
Topic: A question to the real estate investors
Replies: 19
Views: 1379

Re: A question to the real estate investors

I would plan for attorney's fees when you have to kick out a bad tenant. It happens quite often and the expenses from lawsuits is something to consider.
by tvubpwcisla
Tue Jun 02, 2020 6:11 am
Forum: Investing - Theory, News & General
Topic: S&P 500's Closing Price at Year End
Replies: 5
Views: 512

S&P 500's Closing Price at Year End

We are halfway through the year and have seen a lot more volatility than we did in 2019.

What is your prediction for the S&P 500's closing price on Thursday, 12/31/2020?

Mine is 3,350.

:moneybag
by tvubpwcisla
Mon Jun 01, 2020 8:16 pm
Forum: Personal Investments
Topic: Is Vanguard's Personal Advisor Service Worth It???
Replies: 136
Views: 10005

Re: Is Vanguard's Personal Advisor Service Worth It???

The short answer is yes for most people. There are several who can invest all on their own. If you choose to go on your own, please don't panic sell during uncomforting situations. That is really your biggest risk.
by tvubpwcisla
Mon Jun 01, 2020 8:12 pm
Forum: Personal Consumer Issues
Topic: How to keep chiipmunks from going into gutter/underground drain connection?
Replies: 34
Views: 1647

Re: How to keep chiipmunks from going into gutter/underground drain connection?

Use some good quality window screen material. Strong, durable, and will let the water through.
by tvubpwcisla
Mon Jun 01, 2020 6:40 pm
Forum: Investing - Theory, News & General
Topic: Why Dollar Cost Averaging (DCA) is a mental accounting bias and should never be used [vs. lump sum]
Replies: 246
Views: 12151

Re: Why Dollar Cost Averaging (DCA) is a mental accounting bias and should never be used

terran wrote:
Mon Jun 01, 2020 5:33 pm
I don't agree that putting money in slowly as you earn it is the same as DCA. That's lump sum investing everything you have available to invest.
Good point. Thanks for clarifying this.

:beer
by tvubpwcisla
Mon Jun 01, 2020 5:19 pm
Forum: Investing - Theory, News & General
Topic: Why Dollar Cost Averaging (DCA) is a mental accounting bias and should never be used [vs. lump sum]
Replies: 246
Views: 12151

Re: Why Dollar Cost Averaging (DCA) is a mental accounting bias and should never be used

DCA is great for putting money into your 401K with each paycheck every couple weeks. I think most investors do this. I like lump sum for larger windfalls of cash.
by tvubpwcisla
Sun May 31, 2020 11:06 am
Forum: Investing - Theory, News & General
Topic: “WHEN YOU'VE WON the game, stop playing with the money you really need.”
Replies: 233
Views: 18520

Re: “WHEN YOU'VE WON the game, stop playing with the money you really need.”

My approach as an age 59 recent retiree. 1) Delay SS until 70 2) TIPS ladder to age 85 3) Deferred Income Annuity starting age 85 (purchased in IRA as QLAC) 4) Small ROTH IRA with 100% stock which will not be touched until age 85 5) Anything left over can be kept in 100% stock (I use VT), because i...
by tvubpwcisla
Sun May 31, 2020 7:31 am
Forum: Personal Investments
Topic: Real Estate Investing
Replies: 9
Views: 855

Re: Real Estate Investing

Hello, Does anyone have any books they could recommend on adding real estate to an investment portfolio and how to go about becoming a landlord? Or perhaps that isn't the way to proceed to add real estate diversification to a portfolio and that a better approach might be thru REITs and private equi...
by tvubpwcisla
Sun May 31, 2020 7:23 am
Forum: Investing - Theory, News & General
Topic: “WHEN YOU'VE WON the game, stop playing with the money you really need.”
Replies: 233
Views: 18520

Re: “WHEN YOU'VE WON the game, stop playing with the money you really need.”

Is there an particular age that we should look to implement a LMP or is it simply based off raw numbers? Thanks!
by tvubpwcisla
Sun May 31, 2020 7:17 am
Forum: Investing - Theory, News & General
Topic: Should I pull out of TIAA Real Estate...?
Replies: 36
Views: 2189

Re: Should I pull out of TIAA Real Estate...?

Patience is one of the most powerful tools in favor of the investor. She is your best friend. I would stay in and NOT sell.

:moneybag
by tvubpwcisla
Sat May 30, 2020 8:59 pm
Forum: Investing - Theory, News & General
Topic: Growth Does Not Equal Profits
Replies: 11
Views: 667

Re: Growth Does Not Equal Profits

As an investor, to be completely honest, all I care is that the stock price goes up. Growth, profits, the CEO, etc...I could care less.

Hopefully that is not a bad thing?

:mrgreen:
by tvubpwcisla
Sat May 30, 2020 12:01 pm
Forum: Investing - Theory, News & General
Topic: “WHEN YOU'VE WON the game, stop playing with the money you really need.”
Replies: 233
Views: 18520

Re: “WHEN YOU'VE WON the game, stop playing with the money you really need.”

This right here. ^^^^ Most people who retire find that SS covers most if not all their needs. If they were to do a LMP they should be 100% equities since SS is all they "need." I know with us, SS will cover 100% of our needs and a little bit of fun. Thing is we will retire well before collecting SS...
by tvubpwcisla
Sat May 30, 2020 11:44 am
Forum: Investing - Theory, News & General
Topic: “WHEN YOU'VE WON the game, stop playing with the money you really need.”
Replies: 233
Views: 18520

Re: “WHEN YOU'VE WON the game, stop playing with the money you really need.”

Would I be making an investing mistake in retirement to simply stay the course? In other words, don't change my plan, introduce, or adopt a Liability Matching Portfolio (LMP)? Are there any successful retirees without a LMP? Thanks for your feedback. :confused Probably more without than with, if I ...
by tvubpwcisla
Sat May 30, 2020 10:05 am
Forum: Investing - Theory, News & General
Topic: “WHEN YOU'VE WON the game, stop playing with the money you really need.”
Replies: 233
Views: 18520

Re: “WHEN YOU'VE WON the game, stop playing with the money you really need.”

The difference is the fixed income allocation (and as a result the equity allocation) is selected using a purposeful calculation instead of just arbitrarily selecting a pair of percentages. And what do you do when that calculation puts out numbers that make zero sense? Does telling a 65 year old wi...
by tvubpwcisla
Sat May 30, 2020 10:02 am
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 315
Views: 16562

Re: Why is the market soaring?

Investors seem excited about the virus going away, businesses opening back up, stocks on sale, etc. I am not sure if there is one simple answer but rather a combination of things. I also feel like more investors are staying invested during market volatility.

:moneybag
by tvubpwcisla
Sat May 30, 2020 9:28 am
Forum: Investing - Theory, News & General
Topic: “WHEN YOU'VE WON the game, stop playing with the money you really need.”
Replies: 233
Views: 18520

Re: “WHEN YOU'VE WON the game, stop playing with the money you really need.”

Why would you change your financial plan that got you to where you needed to go now that you achieve your numbers? Why wouldn't you keep things simple and stick to the plan that got you there? Many do. I viewed the allocation in the accumulation stage as the risk I needed to take to reach my "numbe...
by tvubpwcisla
Sat May 30, 2020 8:39 am
Forum: Investing - Theory, News & General
Topic: “WHEN YOU'VE WON the game, stop playing with the money you really need.”
Replies: 233
Views: 18520

Re: “WHEN YOU'VE WON the game, stop playing with the money you really need.”

Why would you change your financial plan that got you to where you needed to go now that you achieve your numbers? Why wouldn't you keep things simple and stick to the plan that got you there? Many do. I viewed the allocation in the accumulation stage as the risk I needed to take to reach my "numbe...
by tvubpwcisla
Sat May 30, 2020 7:09 am
Forum: Investing - Theory, News & General
Topic: “WHEN YOU'VE WON the game, stop playing with the money you really need.”
Replies: 233
Views: 18520

Re: “WHEN YOU'VE WON the game, stop playing with the money you really need.”

I'm trying to follow this thread as best I can; however, it seems to be getting very complicated. Is there a way to dumb this down for beginner investors and simplify the strategy / recommendations. Why would you change your financial plan that got you to where you needed to go now that you achieve ...
by tvubpwcisla
Sat May 30, 2020 6:30 am
Forum: Personal Investments
Topic: How many funds are TOO many funds & is it a good idea to invest in a newly reopened fund?
Replies: 15
Views: 1101

Re: How many funds are TOO many funds & is it a good idea to invest in a newly reopened fund?

1. You can never have too many funds! :mrgreen: :moneybag

2. When a door opens, one shall enter. No issues with jumping into a newly reopened fund.
by tvubpwcisla
Sat May 30, 2020 5:46 am
Forum: Investing - Theory, News & General
Topic: “WHEN YOU'VE WON the game, stop playing with the money you really need.”
Replies: 233
Views: 18520

Re: “WHEN YOU'VE WON the game, stop playing with the money you really need.”

Albert Einstein said, “Compound interest is the eighth wonder of the world. He who understands it, earns it; he who doesn't, pays it.” The 8th wonder of the world, compound interest, really starts to take shape when you get to that point of having enough to retire. I can't imagine pulling the funds...
by tvubpwcisla
Fri May 29, 2020 9:54 pm
Forum: Investing - Theory, News & General
Topic: Are Long-Term or Short-Term Investments Better?
Replies: 4
Views: 331

Are Long-Term or Short-Term Investments Better?

...and how do you define long and short term?
by tvubpwcisla
Fri May 29, 2020 9:50 pm
Forum: Personal Consumer Issues
Topic: Lifelong New Yorker relocating to Philly for FIRE?
Replies: 39
Views: 3096

Re: Lifelong New Yorker relocating to Philly for FIRE?

I don't think there is a right or wrong answer here and I am proud of you that you are taking control of your financial situation, working towards financial independence, and will soon be out of the day-to-day working for someone else grind. Since you are seeking opinions, if it were me, I would mak...
by tvubpwcisla
Fri May 29, 2020 3:48 pm
Forum: Personal Investments
Topic: Should we get back into Wellsley and Wellington?
Replies: 14
Views: 1615

Re: Should we get back into Wellsley and Wellington?

Do you have any children or grandchildren that you will be supporting? If so, I would get back in and stay invested the rest of your life to provide them with a nice nest egg. If it is just you and your wife, it's totally up to you.
by tvubpwcisla
Fri May 29, 2020 8:54 am
Forum: Investing - Theory, News & General
Topic: “WHEN YOU'VE WON the game, stop playing with the money you really need.”
Replies: 233
Views: 18520

Re: “WHEN YOU'VE WON the game, stop playing with the money you really need.”

I don't think there is a right or wrong answer and both investors seem correct in their choice.

:moneybag
by tvubpwcisla
Thu May 28, 2020 7:01 pm
Forum: Personal Investments
Topic: Betterment liquidated my investments without my authorization
Replies: 75
Views: 5370

Re: Betterment liquidated my investments without my authorization

nisiprius wrote:
Thu May 28, 2020 6:57 pm
Wikipedia says the CEO is Jon Stein and the corporate headquarters are in New York City.
Great job getting this information. Hopefully the OP lets us know how things turn out.
by tvubpwcisla
Thu May 28, 2020 4:30 pm
Forum: Personal Consumer Issues
Topic: Falcon 9 Launch to the International Space Station
Replies: 118
Views: 7309

Re: Falcon 9 Launch to the International Space Station

Thanks for the post. Hope things work out for Saturday!
by tvubpwcisla
Thu May 28, 2020 4:08 pm
Forum: Personal Investments
Topic: 30 year investor - never understood Dividend hoopla
Replies: 20
Views: 1395

Re: 30 year investor - never understood Dividend hoopla

I'll let the experts respond! :)

All I would say is that I like receiving dividends and sort of growing with the company and sharing in their large profitable quarters.

:moneybag
by tvubpwcisla
Thu May 28, 2020 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Employer approval for a side gig
Replies: 43
Views: 2249

Re: Employer approval for a side gig

What you do in your spare time is your business. Uh, I am not a lawyer, but that sounds like a very broad claim that probably wouldn’t get you very far. I can think of a lot of things you could do in your spare time that your employer would legitimately have a problem with. Yeah, I agree. I could s...
by tvubpwcisla
Thu May 28, 2020 3:04 pm
Forum: Personal Consumer Issues
Topic: [“Can't Hurt Me” book opinion]
Replies: 2
Views: 412

[“Can't Hurt Me” book opinion]

Has anyone read the book "Can't Hurt Me" by David Goggins? I was thinking to pick up a copy. Sometimes investing and staying the course is all about being strong emotionally and not panic selling when the waters get rough. What did you think of the book? Thanks.
by tvubpwcisla
Thu May 28, 2020 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Employer approval for a side gig
Replies: 43
Views: 2249

Re: Employer approval for a side gig

What you do in your spare time is your business.
by tvubpwcisla
Thu May 28, 2020 10:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard and Fidelity investors stay the course
Replies: 5
Views: 753

Re: Vanguard and Fidelity investors stay the course

Guilty of NOT selling but buying more!

:twisted:
by tvubpwcisla
Thu May 28, 2020 10:11 am
Forum: Investing - Theory, News & General
Topic: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?
Replies: 186
Views: 18026

Re: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?

I would go back and look at your financial plan. What does your plan say to do whenever you believe you can predict the future? Who cares what happens in the next hour, day, week, month, or year? They could announce a cure tomorrow and the SPX could shoot right back up to over 3,000 very quickly. I...
by tvubpwcisla
Thu May 28, 2020 9:56 am
Forum: Investing - Theory, News & General
Topic: “WHEN YOU'VE WON the game, stop playing with the money you really need.”
Replies: 233
Views: 18520

Re: “WHEN YOU'VE WON the game, stop playing with the money you really need.”

I think Bill's point in all of this is that if you have enough money to make it through retirement, don't invest the entire farm in the market anymore. I don't agree with him; however, that doesn't make it a bad approach. How do you know you how much is enough? Do you know how much your property ta...
by tvubpwcisla
Thu May 28, 2020 8:51 am
Forum: Investing - Theory, News & General
Topic: “WHEN YOU'VE WON the game, stop playing with the money you really need.”
Replies: 233
Views: 18520

Re: “WHEN YOU'VE WON the game, stop playing with the money you really need.”

Sounds like a statement of fear. I'm not a big fan of that approach. You leave a lot of money on the table when you put that many resources underneath your mattress. It works for the investor, but not so much for your loved ones when you are gone. You might want to read the underlying treatise that...
by tvubpwcisla
Thu May 28, 2020 8:07 am
Forum: Investing - Theory, News & General
Topic: “WHEN YOU'VE WON the game, stop playing with the money you really need.”
Replies: 233
Views: 18520

Re: “WHEN YOU'VE WON the game, stop playing with the money you really need.”

I think Bill's point in all of this is that if you have enough money to make it through retirement, don't invest the entire farm in the market anymore. I don't agree with him; however, that doesn't make it a bad approach. :P All I can give you is personal experience and for me my attitudes about th...
by tvubpwcisla
Thu May 28, 2020 7:48 am
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 124
Views: 7870

Re: Mesh Wifi

Does anyone know if the Mesh WiFi works through spray foam insulation and how the connection would be to a Ring doorbell camera?
by tvubpwcisla
Thu May 28, 2020 7:00 am
Forum: Personal Investments
Topic: Betterment liquidated my investments without my authorization
Replies: 75
Views: 5370

Re: Betterment liquidated my investments without my authorization

Since the damage has already been done and cannot be reversed, what would the OP seek for resolution? Say a lawyer is brought in and they file a lawsuit or they call Betterment. What is the ask of Betterment at this point? For example, "Hi Betterment, you sold my positions and I wanted to transfer ...
by tvubpwcisla
Thu May 28, 2020 6:52 am
Forum: Personal Investments
Topic: Betterment liquidated my investments without my authorization
Replies: 75
Views: 5370

Re: Betterment liquidated my investments without my authorization

Since the damage has already been done and cannot be reversed, what would the OP seek for resolution? Say a lawyer is brought in and they file a lawsuit or they call Betterment. What is the ask of Betterment at this point? For example, "Hi Betterment, you sold my positions and I wanted to transfer ...
by tvubpwcisla
Thu May 28, 2020 6:48 am
Forum: Investing - Theory, News & General
Topic: “WHEN YOU'VE WON the game, stop playing with the money you really need.”
Replies: 233
Views: 18520

Re: “WHEN YOU'VE WON the game, stop playing with the money you really need.”

I think Bill's point in all of this is that if you have enough money to make it through retirement, don't invest the entire farm in the market anymore. I don't agree with him; however, that doesn't make it a bad approach.

:P
by tvubpwcisla
Thu May 28, 2020 6:44 am
Forum: Personal Investments
Topic: Betterment liquidated my investments without my authorization
Replies: 75
Views: 5370

Re: Betterment liquidated my investments without my authorization

Since the damage has already been done and cannot be reversed, what would the OP seek for resolution? Say a lawyer is brought in and they file a lawsuit or they call Betterment. What is the ask of Betterment at this point? For example, "Hi Betterment, you sold my positions and I wanted to transfer i...
by tvubpwcisla
Wed May 27, 2020 8:17 pm
Forum: Investing - Theory, News & General
Topic: “WHEN YOU'VE WON the game, stop playing with the money you really need.”
Replies: 233
Views: 18520

Re: “WHEN YOU'VE WON the game, stop playing with the money you really need.”

Albert Einstein said, “Compound interest is the eighth wonder of the world. He who understands it, earns it; he who doesn't, pays it.” The 8th wonder of the world, compound interest, really starts to take shape when you get to that point of having enough to retire. I can't imagine pulling the funds...