Search found 21 matches

by Valueinvestor2
Mon May 25, 2020 6:34 pm
Forum: Investing - Theory, News & General
Topic: Examples of why NOT to hold individual stocks
Replies: 73
Views: 5642

Re: Examples of why NOT to hold individual stocks

Speaking for myself, I took this pretty seriously. This wasn't play money or lottery picks. My viewpoint was that I was investing in actual businesses for the long term. There are folks out there that treat the stock market as a lottery, I am not one of them. It does seem that a lot more of us were...
by Valueinvestor2
Mon May 25, 2020 9:43 am
Forum: Investing - Theory, News & General
Topic: Examples of why NOT to hold individual stocks
Replies: 73
Views: 5642

Re: Examples of why NOT to hold individual stocks

We tell people not to hold a lot of individual stock because it is too risky. Some of them hear the words without getting the message. I'm hoping the people here will add to this thread and develop a list of seemingly "good investments" that have had the bottom fall out since being perfectly fine a...
by Valueinvestor2
Thu Apr 30, 2020 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Minor regret with a 15-year mortgage
Replies: 26
Views: 2988

Re: Minor regret with a 15-year mortgage

We originally bought a house in May 2018 with 5% down, $65/month PMI, 30year mortgage @ around 4.5% fixed. Made the equivalent 15-year monthly payment. Refinanced in January 2019 to a 15-year mortgage @ 3.875% with $22/month PMI. Paid extra every once in a while. Closing costs around $1700. We thou...
by Valueinvestor2
Mon Apr 27, 2020 8:44 pm
Forum: Investing - Theory, News & General
Topic: Estimating Future Returns
Replies: 28
Views: 1332

Re: Estimating Future Returns

What are the various equations that bogleheads use for estimating future stock returns? I've seen on the wiki the projections themselves, but not the way that they were computed. I'd also appreciate knowing WHERE the variables can be found if it's not already straightforward. For example, I've read...
by Valueinvestor2
Sat Apr 04, 2020 8:18 pm
Forum: Personal Investments
Topic: Question on clarifying not timing the market
Replies: 5
Views: 349

Re: Question on clarifying not timing the market

Hi, in the last week of February, I started to shift my portfolio. In part, our business had a view into China and the impact of the virus. So I anticipated a softening in the market. But I didn’t move to cash because my understanding is that would be timing the market. Instead, I moved into LifeSt...
by Valueinvestor2
Sat Apr 04, 2020 8:09 pm
Forum: Personal Investments
Topic: Investing on margin
Replies: 13
Views: 833

Re: Investing on margin

Assuming the has another big market drop and rates so low, would it be a good idea to invest on margin? If things went further south, I could sell some of my taxable investments to cover it. I currently have no debt, but will likely buy a house in 2-5 years. That money is separate from my investmen...
by Valueinvestor2
Tue Mar 31, 2020 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC after refi to pay off 401k loan
Replies: 9
Views: 610

Re: HELOC after refi to pay off 401k loan

Just save your pennies, dimes, nickels, and $100 bills and pay off the 401k loan when you have enough. I have a 401k loan and a HELOC and the HELOC has a $0 balance. I don't even intend to pay off the 401k loan early. I appreciate the input; I'm definitely taking it under advisement. I am looking t...
by Valueinvestor2
Sun Mar 29, 2020 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC after refi to pay off 401k loan
Replies: 9
Views: 610

Re: HELOC after refi to pay off 401k loan

1. Any known restrictions on getting a HELOC soon after a refi (jumbo, 80% LTV) to pay off a 401k loan? I can't think of any but want to be sure. 2. Would anyone caution paying off the 401k loan with HELOC? I know I wouldn't take the converse (i.e. a HELOC to invest absent an outstanding loan), but...
by Valueinvestor2
Fri Mar 27, 2020 9:19 pm
Forum: Investing - Theory, News & General
Topic: Market will be at all time high by year-end
Replies: 121
Views: 11675

Re: Market will be at all time high by year-end

InvestorNewb wrote:
Thu Mar 26, 2020 8:45 pm
I have a prediction that the market will be at an all time high by 12/31/2020.

This thread will be revisited on that date to show the genius that I am.
I laughed out loud.
by Valueinvestor2
Thu Mar 26, 2020 7:40 am
Forum: Personal Investments
Topic: Get out now or ride it out?
Replies: 85
Views: 7026

Re: Get out now or ride it out?

I'm sure a similar question has been asked but I will throw out my situation and perhaps someone in the same age and retirement timeframe can share their thoughts. I do understand no one knows how low the market will go. 59 years old with plans to retire in 6-8 years. My portfolio is in a 60/40 sto...
by Valueinvestor2
Thu Mar 26, 2020 7:26 am
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63043

Re: So bottom is probably behind us....right?

For those who think the virus is slowing, it’s not. I am sorry to say this but every major city is going to look like NYC within the next month. Hospitals will be overwhelmed and we will all know friends or family who have been impacted by this virus. This will have major health and economic implica...
by Valueinvestor2
Wed Mar 25, 2020 8:13 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 320
Views: 25668

Re: How much are you guys down?

PurpleArc wrote:
Wed Mar 25, 2020 8:11 pm
Hi,

Perhaps not the question to ask, but I am down close to 10% for all my portfolios combined.
One million dollars 😎
by Valueinvestor2
Sun Mar 22, 2020 9:36 pm
Forum: Personal Investments
Topic: Selling 100% stocks on a bounce
Replies: 207
Views: 17095

Re: Selling 100% stocks on a bounce

I've decided to sell 100% of my stocks in all investment accounts to preserve 2016 gains, and to prevent an irrecoverable loss in hard earned savings. This goes against all the rules I've learned about investing, but this time is very different so the rules go out the window. Stocks will keep crash...
by Valueinvestor2
Sun Mar 22, 2020 9:33 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296694

Re: Coronavirus and the market

I think the boglehead religion does a lot of good for most people. Unfortunately a flaw is not understanding how to value businesses (hence why it works for so many people because they don’t need to understand this with the BH philosophy). But... the reality is that the markets are made up of busin...
by Valueinvestor2
Sun Mar 22, 2020 9:17 pm
Forum: Personal Investments
Topic: Get out now or ride it out?
Replies: 85
Views: 7026

Re: Get out now or ride it out?

I'm sure a similar question has been asked but I will throw out my situation and perhaps someone in the same age and retirement timeframe can share their thoughts. I do understand no one knows how low the market will go. 59 years old with plans to retire in 6-8 years. My portfolio is in a 60/40 sto...
by Valueinvestor2
Sat Mar 21, 2020 8:51 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296694

Re: Coronavirus and the market

I've been following this thread for weeks now, and I still have one very simple question: can someone quantify why we should expect global public companies to be worth 30% less than they were at the start of the year going forward? Simply put: Vanguard Total World is down over 30% from the start of...
by Valueinvestor2
Sat Mar 21, 2020 8:43 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296694

Re: Coronavirus and the market

I've been following this thread for weeks now, and I still have one very simple question: can someone quantify why we should expect global public companies to be worth 30% less than they were at the start of the year going forward? Simply put: Vanguard Total World is down over 30% from the start of...
by Valueinvestor2
Mon Dec 02, 2019 8:00 pm
Forum: Personal Investments
Topic: 403b to TIRA question
Replies: 8
Views: 425

Re: 403b to TIRA question

What exactly are the expense ratios in your 403b, versus the expense ratios available to the public in retail IRA side? Perhaps we are talking pennies? What is the total amount saved in your past 403b even? Perhaps we can quantify the impact of your decision based on certain reasonable assumptions?...
by Valueinvestor2
Sun Dec 01, 2019 8:41 pm
Forum: Personal Investments
Topic: 403b to TIRA question
Replies: 8
Views: 425

Re: 403b to TIRA question

If your current employer 403(b) has decent funds and you are able to rollover your other 403(b)s into your current employer 403(b), then why don't you attempt that? Sorry for the confusion. Current employer has lower cost index funds relative to previous employer, but TIRA is better overall. Hence ...
by Valueinvestor2
Sun Dec 01, 2019 8:23 pm
Forum: Personal Investments
Topic: 403b to TIRA question
Replies: 8
Views: 425

Re: 403b to TIRA question

So it appears your idea is to have a rollover IRA for most of the tax year so that you can use passively-managed, low-expense ratio index funds there, but to have it all in a 403(b) on the last possible day of each tax year so that your form 8606 will not show any IRA balance each year. So that's t...
by Valueinvestor2
Sun Dec 01, 2019 6:38 pm
Forum: Personal Investments
Topic: 403b to TIRA question
Replies: 8
Views: 425

403b to TIRA question

Hi Bogleheads, I am a long time reader of the forum and I am now posting with a question regarding my 403b. Situation is below. Any help answering is greatly appreciated. I have contributed to my Roth via backdoor process in years 2017, 2018, 2019. In order to do this, I opened a traditional IRA, fu...