Search found 134 matches

by TechGuy365
Mon Jul 13, 2020 6:29 pm
Forum: Personal Investments
Topic: Do you ever feel you've missed out due to the 3-fund portfolio?
Replies: 125
Views: 9385

Re: Do you ever feel you've missed out due to the 3-fund portfolio?

I made the decision early on in my career to keep my most of my company stocks and let them grow. It has been the best financial decision I've ever made by far. I don't know what company you work for and I don't want to offer you specific recommendations but I assume you will continue to receive pa...
by TechGuy365
Mon Jul 13, 2020 11:44 am
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 521
Views: 19407

Re: How is this possible -- stock market continues to soar.

So you have workers that are likely twice as productive due to working from home and thus much less management interference coupled with a very supportive Fed. I am 100% stocks (not counting my EF) and could easily see the stock market doubling from here. Additionally, I am very pleased to see a la...
by TechGuy365
Mon Jul 13, 2020 7:12 am
Forum: Investing - Theory, News & General
Topic: Article: Investors-face-a-scary-out-of-whack-scenario...
Replies: 13
Views: 1944

Re: Article: Investors-face-a-scary-out-of-whack-scenario...

Over 20% of what William Shakespeare wrote consists of just ten words: the, and, I, to, of, a, you, my, in, and that . Over 20% of what I write does, too. It doesn't mean the English language stinks. A lot of things have that kind of distribution. Stock capitalization is one of them. Get over it. M...
by TechGuy365
Sun Jul 12, 2020 4:44 pm
Forum: Personal Investments
Topic: Do you ever feel you've missed out due to the 3-fund portfolio?
Replies: 125
Views: 9385

Re: Do you ever feel you've missed out due to the 3-fund portfolio?

Does anyone worry about "missing out" because you are only invested in the 3-fund portfolio and hot tips abound? My brother made a killing in TSLA just today. Our portfolio is going to be up as well, of course, but not likely to the extent that he (brother) is. I would never take that kind of risk ...
by TechGuy365
Sun Jul 12, 2020 10:56 am
Forum: Personal Investments
Topic: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]
Replies: 150
Views: 9968

Re: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]

TechGuy365, These companies are currently valued at AMZN= 1.5T , GOOGL= 1T , MSFT= 1.6T , APPL= 1.6T . All the market participants together are valuing these companies at these very high market cap knowing very well the risk and reward of these high growth companies. There is no doubt that these ar...
by TechGuy365
Sat Jul 11, 2020 11:18 pm
Forum: Investing - Theory, News & General
Topic: QQQ and/or TSM only for stocks going forward?
Replies: 28
Views: 2610

Re: QQQ and/or TSM only for stocks going forward?

Do you think the market hasn't (adequately) priced in this risk yet? This is an interesting question and I gave it some thoughts. There are a couple of things off the top of my head that Mr. Market hasn't priced in yet because they are still waiting for certain signals: Short-term: Q2 earnings: Sin...
by TechGuy365
Sat Jul 11, 2020 10:53 am
Forum: Investing - Theory, News & General
Topic: Were You Around During Dotcom Bubble?
Replies: 144
Views: 7834

Re: Were You Around During Dotcom Bubble?

You needed to go physically to an office at firms set up to provide such services, where they gave you access to a terminal and an account with a "T1 line." My gosh... how fast was a T1 line? 1.544 Mbps. In those days you said "T1 line" with a tone of awe in your voice, hard to realize my low-end h...
by TechGuy365
Thu Jul 09, 2020 3:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 6703
Views: 561782

Re: U.S. stocks continue to soar!

I am confused, is the market soaring or free falling right now? The tale of 2 markets continues. Falling, but tech is trying to make it soar. Large cap growth makes me happy. :greedy Another solid day today. Amazon up 3%, Google 1%, others up about 0.5%. I like it when it goes sideways or up very s...
by TechGuy365
Thu Jul 09, 2020 11:19 am
Forum: Personal Investments
Topic: What does it mean that Amazon owns 7% of my company’s stock?
Replies: 21
Views: 2097

Re: What does it mean that Amazon owns 7% of my company’s stock?

If it were me, I would not sell any of my company shares for a few quarters, because it’s possible Amazon will come in with a higher price soon in the form of a tender offer. How much company stock am I allowed to own as a Boglehead again? 😁 You can own as much as you want - it's your money! 😁 I do...
by TechGuy365
Wed Jul 08, 2020 8:52 pm
Forum: Investing - Theory, News & General
Topic: You have a second chance to reduce your stock holdIng
Replies: 112
Views: 12901

Re: You have a second chance to reduce your stock holdIng

The lesson for me is more like - the market always comes back over time, so stick with the AA that's right for you. It can be 100/0, 0/100 or somewhere in between. I think that's the wrong lesson - certainly the market may not come back in your lifetime. With all due respect it's the right lesson f...
by TechGuy365
Wed Jul 08, 2020 2:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Mega Cap Growth ETF (MGK) tilt
Replies: 11
Views: 963

Re: Vanguard Mega Cap Growth ETF (MGK) tilt

There are many posts about small cap value tilts. I can’t recall any posts which advocate a mega cap growth tilt. Vanguard Mega Cap Growth ETF (MGK) is the only fund that I am aware of that would provide such a tilt. There are several large cap growth funds that track a variety of indices. If tilti...
by TechGuy365
Tue Jul 07, 2020 9:49 pm
Forum: Personal Investments
Topic: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]
Replies: 150
Views: 9968

Re: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]

I'm not sure that a heavy tilt toward large-cap, tech-tilted companies is riskier than a heavy tilt toward SCV, which many here have and is less controversial for some reason than what the OP is suggesting. Perhaps the sector-tilted nature of NASDAQ is the real source of the controversy. The tech o...
by TechGuy365
Mon Jul 06, 2020 10:00 pm
Forum: Investing - Theory, News & General
Topic: What is your contrarian/alternative play?
Replies: 46
Views: 4336

Re: What is your contrarian/alternative play?

Hi everyone! I want to ask those Bogleheads, who have deviated away from the traditional 3-fund portfolio, what is your current contrarian/alternative asset play ? For me personally, after doing a heavy dive into macroeconomics, I have started to allocated a minor portion to BTC and a slightly larg...
by TechGuy365
Mon Jul 06, 2020 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1624
Views: 412282

Re: Share your net worth progression

lol at quoting a 2014 post above me... I can't believe this thread is still going strong. That is amazing! Is flaunting net worth in vogue, especially in these times? Reminds me when someone post, something like "can I buy this used toyota camry?" and states they have $10 million in blah blah blah ...
by TechGuy365
Mon Jul 06, 2020 2:22 pm
Forum: Personal Investments
Topic: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]
Replies: 150
Views: 9968

Re: Am I crazy to do this? [Equity Allocation 50/50 TSM/NASDAQ]

Anything other than investing in TSM seems blasphemy to a majority of the folks here. Hi avsh21, some of us may have a similar strategy on concentrated sectors (maybe even more so) as you but your mistake was to ask for opinions on Bogleheads, which is a very specific type of investment philosophy....
by TechGuy365
Mon Jul 06, 2020 10:56 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 6703
Views: 561782

Re: U.S. stocks continue to soar!

I keep asking myself on a daily basis why I don't just hold 10-20% in QQQ :oops: I have been advocating QQQ for a while. I have 30% of the family portfolio in it. Except for the ever-diminishing % in bonds (I am not selling, but also not buying) the rest is even more "adventurous". It has been a ve...
by TechGuy365
Sun Jul 05, 2020 9:45 pm
Forum: Investing - Theory, News & General
Topic: A Must Listen! Dr. Burton Malkiel is my guest on the "Bogleheads on Investing" podcast.
Replies: 84
Views: 6964

Re: A Must Listen! Dr. Burton Malkiel is my guest on the "Bogleheads on Investing" podcast.

There are three parts to successful investing over the long run: 1) Philosophy - Whether you believe a passive approach is better than an active approach. These are universal concepts. 2) Strategy - How you should create an investment portfolio based on your particular needs. This is unique to each...
by TechGuy365
Sat Jul 04, 2020 7:57 pm
Forum: Investing - Theory, News & General
Topic: Barrons: The Next Trillion Dollar Stock
Replies: 22
Views: 2197

Re: Barrons: The Next Trillion Dollar Stock

We may see the first $2T US company before the next $1T one. AAPL is 26.7% away from 2T while FB is 50.3% away from 1T.
by TechGuy365
Sat Jul 04, 2020 12:25 pm
Forum: Investing - Theory, News & General
Topic: A Must Listen! Dr. Burton Malkiel is my guest on the "Bogleheads on Investing" podcast.
Replies: 84
Views: 6964

Re: A Must Listen! Dr. Burton Malkiel is my guest on the "Bogleheads on Investing" podcast.

Great podcast Rick. I like the idea of "blue chip companies that pay well-protected dividend" instead of bond, and it coming from an economist who inspired and served with Jack Bogle for 30-some years gave it a lot of credibility.
by TechGuy365
Sat Jul 04, 2020 12:30 am
Forum: Personal Finance (Not Investing)
Topic: Why do you invest and what are you investing for?
Replies: 22
Views: 1598

Re: Why do you invest and what are you investing for?

A simple yet profound question. I invest so I can maximize the money (and impact) left to causes I care for while I’m living and after I die (my kids and family will of course also be well taken care of.)
by TechGuy365
Sat Jul 04, 2020 12:17 am
Forum: Personal Finance (Not Investing)
Topic: What to do with all this MONEY ?
Replies: 201
Views: 20774

Re: What to do with all this MONEY ?

Sometimes this thought comes in my mind, I know a little strange . I & DW come from humble beginnings & after decades of hard work, living below our means, savings & favorable Wall Street investments we find ourselves with a net worth of $ 7.5 m. We are very fortunate & we never thought we would fi...
by TechGuy365
Fri Jul 03, 2020 10:02 pm
Forum: Investing - Theory, News & General
Topic: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?
Replies: 358
Views: 19034

Re: Will ex-US ever revert to good performance? Or is it just a high-risk, low-reward investment?

You work and live tech, you're so immersed in it that it's difficult to envision scenarios where companies, technologies, or trends are displaced, or the U.S. dominance of the sector diminished. I agree I might be susceptible to that, which is why I asked for dissenting opinions, specifically a pla...
by TechGuy365
Tue Jun 30, 2020 3:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 6703
Views: 561782

Re: U.S. stocks continue to soar!

Q2 just ended. WOW - what a quarter!

"S&P 500 posts quarterly advance of 19.9% for index’s best Q2 since inception in 1957": https://finance.yahoo.com/news/stock-ma ... 03237.html

For the 2nd quarter between April and June:
S&P: +19.9%
Dow: +17.5%
NASDAQ: + >30%
by TechGuy365
Sat Jun 27, 2020 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Which College degrees are worthwhile?
Replies: 228
Views: 13914

Re: Which College degrees are worthwhile?

This is, however, not the right career for everybody. Don't go in to CS just for the money or job stability. You should go in with the mindset that you're excited by technology, use technology for good (either for businesses or humanity), and you're willing to reinvent yourself every few years to s...
by TechGuy365
Sat Jun 27, 2020 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Which College degrees are worthwhile?
Replies: 228
Views: 13914

Re: Which College degrees are worthwhile?

OP, Life is a marathon race. So, please do not prepare for it like a 100-meter dash. A) In general, there is no career/job that would last 20 to 30 years. B) You may change jobs, careers, industry, countries over the course of your whole working life. C) So, another way to look at this is 1) Which ...
by TechGuy365
Sat Jun 27, 2020 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Which College degrees are worthwhile?
Replies: 228
Views: 13914

Re: Which College degrees are worthwhile?

Employment in computer science has and continues to skyrocket. Common objections are: It's concentrated in a small number of HCOL areas It's vulnerable to offshoring You need to work 60-80 hour weeks to be successful The number of six-figure jobs in CS are small You have to attend an elite school t...
by TechGuy365
Sat Jun 27, 2020 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Which College degrees are worthwhile?
Replies: 228
Views: 13914

Re: Which College degrees are worthwhile?

The problem for me with computer science is there don't seem to be any professional accreditation, e.g an accountant can became a CA/CFA, lawyers and engineers get registration which are sought after and not easily attainable, where computer science doesn't have this differentiator, which leads you...
by TechGuy365
Wed Jun 24, 2020 7:37 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19334
Views: 2683455

Re: U.S. stocks in free fall

Futures down. But it's great because I got my salary today. Buy the dip! :mrgreen: Just some early profit-taking from the record highs in the past few days. Nasdaq is up 13% YTD. By comparison, Dow is down 8.5% (due to Boeing) and S&P down 3.1% YTD. There is a good analysis on WSJ yesterday on how ...
by TechGuy365
Sun Jun 21, 2020 10:09 am
Forum: Investing - Theory, News & General
Topic: Jeremy Siegel on MiB Podcast: 60/40 is risky and more
Replies: 139
Views: 15292

Re: Jeremy Siegel on MiB Podcast: 60/40 is risky and more

Great podcast - thanks for the intro. I listened to it a couple of times to get a deeper understanding. It's the first time I've heard that the QE will be paid for by inflation and bond holders. This makes a lot of sense since there should be a cost to safety for those who seek it in times like this...
by TechGuy365
Sat Jun 20, 2020 1:08 pm
Forum: Investing - Theory, News & General
Topic: Google... [Why is Google not appreciating like other tech growth stocks?]
Replies: 54
Views: 4371

Re: Google... [Why is Google not appreciating like other tech growth stocks?]

I’ve been curious regarding the cloud business and this seems as good a place as any to ask... It’s no secret AWS has been amazons cash cow to allow it to pursue its retail ambitions. How will they maintain that level of profitability in the space? My admittedly very limited understanding is that c...
by TechGuy365
Fri Jun 19, 2020 10:00 pm
Forum: Investing - Theory, News & General
Topic: Google... [Why is Google not appreciating like other tech growth stocks?]
Replies: 54
Views: 4371

Re: Google... [Why is Google not appreciating like other tech growth stocks?]

FYI - The OP is requesting assistance with his portfolio here: AAPL MSFT GOOG AMZN ??? Ah I remember that thread, now the OQ makes sense. Thanks for the context! OP: AAPL, MSFT, GOOG and AMZN are all great companies. I wouldn't dump any of them any time soon. What you described in the original thre...
by TechGuy365
Fri Jun 19, 2020 9:47 pm
Forum: Investing - Theory, News & General
Topic: Google... [Why is Google not appreciating like other tech growth stocks?]
Replies: 54
Views: 4371

Re: Google...

... Amazon may have the first mover advantage, but Microsoft, in addition to compete with AWS with IaaS (Infrastructure as a Service) and PaaS (Platform as a Service), also has SaaS (Software as a Service) in Office and Dynamics (competing with Salesforce, SAP, etc). Amazon doesn't have a strong Sa...
by TechGuy365
Fri Jun 19, 2020 3:02 pm
Forum: Personal Consumer Issues
Topic: What to look for in a webcam?
Replies: 24
Views: 1017

Re: What to look for in a webcam?

Like others have said, most laptops have built in webcams. But I also use an external webcam for maximum placement flexibility. The golden standard is the popular Logitech C920, which is supposed to be $50 but now it's $150 due to Amazon arbitrage. I wouldn't pay that. I would look for a simple, 108...
by TechGuy365
Fri Jun 19, 2020 12:45 pm
Forum: Personal Investments
Topic: Susie Orman Says You are Crazy to be Investing in Bonds
Replies: 173
Views: 17378

Re: Susie Orman Says You are Crazy to be Investing in Bonds

If you listen to her podcast or watched her show, you'll see she gives a ton of advice specific to the individual she is addressing. It's very different than Dave Ramsey who has a set of rules and will shoehorn any situation into those rules. You may not agree with everything Suze says, but I don't...
by TechGuy365
Fri Jun 19, 2020 10:53 am
Forum: Investing - Theory, News & General
Topic: Google... [Why is Google not appreciating like other tech growth stocks?]
Replies: 54
Views: 4371

Re: Google... [Why is Google not appreciating like other tech growth stocks?]

Yes, company culture in high-tech is extremely important. Culture affects highly valued talent's desire to stay and creates trust between employees and company leadership. Highly valued talents are not just executives, they are ICs, front-line managers and thought leaders. These are employees who ar...
by TechGuy365
Thu Jun 18, 2020 10:13 pm
Forum: Investing - Theory, News & General
Topic: Google... [Why is Google not appreciating like other tech growth stocks?]
Replies: 54
Views: 4371

Re: Google...

InvestorP wrote:
Thu Jun 18, 2020 9:02 pm
This is a really great analogy.
Thank you! Since you used your 1st post to respond to me, I’ll use my 100th to welcome you to BH! I’m newer here too but welcome.
by TechGuy365
Thu Jun 18, 2020 8:40 pm
Forum: Personal Investments
Topic: Susie Orman Says You are Crazy to be Investing in Bonds
Replies: 173
Views: 17378

Re: Susie Orman Says You are Crazy to be Investing in Bonds

What Susie Orman said in the article is not wrong and not inconsistent with BH philosophy. She didn't even say your AA should be 100/0, or shift your AA now. All she said is that there is risks in buying bonds NOW. She even advocated buying VTI instead of individual stocks. This is what the article ...
by TechGuy365
Thu Jun 18, 2020 3:44 pm
Forum: Investing - Theory, News & General
Topic: Google... [Why is Google not appreciating like other tech growth stocks?]
Replies: 54
Views: 4371

Re: Google... [Why is Google not appreciating like other tech growth stocks?]

I used to believe technical analysis is total BS (influenced by Random Walk on Wall Street), but have come around to the view that TA serves short term traders well. Trend Following is after all TA on steroids, and some investors have gotten very rich with TA/Trend Following. But I don’t do any of ...
by TechGuy365
Thu Jun 18, 2020 3:21 pm
Forum: Investing - Theory, News & General
Topic: Google... [Why is Google not appreciating like other tech growth stocks?]
Replies: 54
Views: 4371

Re: Google... [Why is Google not appreciating like other tech growth stocks?]

Funny - this article got just published this afternoon: "Will Google Be the Next FAANG Stock to Make New Highs?" https://www.thestreet.com/investing/alphabet-google-googl-stock-trading-new-highs It's all technical analysis and I'm not smart enough to know how these things work. I don't understand ho...
by TechGuy365
Thu Jun 18, 2020 2:47 pm
Forum: Investing - Theory, News & General
Topic: Google... [Why is Google not appreciating like other tech growth stocks?]
Replies: 54
Views: 4371

Re: Google...

... - The biggest problem for Google is that they have simply not shipped a successful *new* product in the past 10 years (with the exception of Google Photos. Maps/Chrome/YouTube are all > 10 years old). This is a real issue, because new products provide new distribution channels for delivering Ad...
by TechGuy365
Thu Jun 18, 2020 11:54 am
Forum: Investing - Theory, News & General
Topic: Google... [Why is Google not appreciating like other tech growth stocks?]
Replies: 54
Views: 4371

Re: Google...

This is great info, thanks. At my job we have MSFT and one group that uses Google. I have to say I agree Google isn't there yet. Office365 is much better than Google Suite, or whatever its called. It also dovetails with the back office legacy MS installed base, end user and IT pros already sitting ...
by TechGuy365
Thu Jun 18, 2020 11:21 am
Forum: Investing - Theory, News & General
Topic: Google... [Why is Google not appreciating like other tech growth stocks?]
Replies: 54
Views: 4371

Re: Google...

In my opinion it's because of their enterprise cloud strategy. Let's take AAPL out of the lot because it's a different kind of company, because Apple's growth traditionally have come from selling devices, now they are transitioning more to services. AMZN and MSFT are the two enterprise cloud leaders...
by TechGuy365
Wed Jun 17, 2020 11:09 am
Forum: Personal Investments
Topic: Can my portfolio really be this simple?
Replies: 24
Views: 2338

Re: Can my portfolio really be this simple?

Thank you for the advice everyone! I’m getting the picture that I might even disregard bonds for another 15 years or so. I am more than comfortable being all in on stocks so I might end up going that route and worrying about bond funds further down the road. I definitely plan on investing most ever...
by TechGuy365
Wed Jun 17, 2020 7:37 am
Forum: Investing - Theory, News & General
Topic: Self-Cleansing Nature of SP 500--Underappreciated?
Replies: 19
Views: 2454

Re: Self-Cleansing Nature of SP 500--Underappreciated?

Interesting point OP. In addition to watching the top companies, another aspect of the "self-cleansing" nature is the S&P list is always being pruned, with company acquisitions or weakest companies being kicked out of the list and replaced with healthier ones (https://en.wikipedia.org/wiki/List_of_S...
by TechGuy365
Tue Jun 16, 2020 2:13 am
Forum: Personal Consumer Issues
Topic: Do you reward yourself for achieving a financial goal?
Replies: 167
Views: 12141

Re: Do you reward yourself for achieving a financial goal?

We tend to pay for experiences and less for for things. After 2-commas our family (2 adults, 2 kids) would travel every year to some place nice and spend time to learn local cultures. Over the years our accommodations got better - from Fairfield Inn to Courtyard to Marriott to JW (all Marriott brand...
by TechGuy365
Mon Jun 15, 2020 1:47 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 6703
Views: 561782

Re: U.S. stocks continue to soar!

It has been said elsewhere: bull and bear markets make room for the new bouncing kangaroo market.
by TechGuy365
Sun Jun 14, 2020 9:16 pm
Forum: Personal Consumer Issues
Topic: Used Ipad for 80 year old
Replies: 28
Views: 1892

Re: Used Ipad for 80 year old

On Windows 10 you can create a mobile hotspot with an arbitrary SSID and password. Since I knew her SSID and pwd already, I just set the Win 10 mobile hotspot on my computer to those values, then associated the iPad with it. When it got to her house, it recognized her wifi as if it had already been...
by TechGuy365
Sun Jun 14, 2020 9:04 pm
Forum: Personal Consumer Issues
Topic: Tipping on curbside pickup?
Replies: 44
Views: 3594

Re: Tipping on curbside pickup?

Absolutely. I feel in special times like this those of us who are fortunate enough to have full time jobs WFH should do what we can. These days I've been tipping about 35-50% on curbside orders < $100. For smaller pick-up orders I wouldn't hesitate to tip over 100% (eg $15 tip on at $10 order). I fe...
by TechGuy365
Sat Jun 13, 2020 1:55 pm
Forum: Personal Investments
Topic: Young investors and bonds
Replies: 94
Views: 5077

Re: Young investors and bonds

I haven't been on BH long but even I know that there is simply no one right answer to questions like AA, bonds, paying off mortgage, carrying debt and David Ramsey. Everybody's life stage, job security, risk tolerance, earning power, etc are all different. Nobody is always right nor always wrong. I ...
by TechGuy365
Sat Jun 13, 2020 7:09 am
Forum: Personal Investments
Topic: Thoughts on today's sell-off?
Replies: 194
Views: 16257

Re: The Long View

Bogleheads: When I started investing in 1950 at the age of 26, the S&P 500 stocks were priced at 20. Today the S&P 500 stocks are priced at 3,002 not including dividends. Lesson learned: Day to day fluctuations are meaningless for long-term investors. Best wishes Taylor Jack Bogle's Words of Wisdom...