Search found 372 matches

by Ramjet
Mon Aug 10, 2020 7:51 am
Forum: Investing - Theory, News & General
Topic: Demographic Destiny [US vs International]
Replies: 49
Views: 2903

Re: Demographic Destiny [US vs International]

Alchemist wrote:
Sun Aug 09, 2020 1:06 am
The conclusion is pretty simple even if controversial, overweight U.S. equities and underweight developed international and re-examine exposure to Emerging Markets (especially heavily China-weighted funds)
I agree with the conclusion

Are you 100% U.S.?
by Ramjet
Sun Aug 09, 2020 7:32 pm
Forum: Personal Consumer Issues
Topic: Honda FIT
Replies: 50
Views: 2477

Re: Honda FIT

Bought 2013 Fit new, it currently has 110K miles on it. I have had 0 issues with it. Only repair I have had is brake pads at 90K miles. It's come in handy cargo-wise when we moved and for lumber trips to Home Depot. If you are driving it in the snow it's alright for a small car but leaves a little b...
by Ramjet
Sun Aug 09, 2020 9:23 am
Forum: Investing - Theory, News & General
Topic: Inflation, TIPS and asset allocation
Replies: 74
Views: 3609

Re: Inflation, TIPS and asset allocation

By definition, one can't predict when unexpected inflation will happen, but there is certainly a finite number of potential causes. So what are they these days? Beats me. Can you think of any? Someone will mention the Fed printing of money or buying assets but I don't think the majority of that mon...
by Ramjet
Thu Aug 06, 2020 11:45 am
Forum: Personal Consumer Issues
Topic: My gym is reopening - are you going back to yours?
Replies: 42
Views: 1804

Re: My gym is reopening - are you going back to yours?

Nope. Bought home gym equipment
by Ramjet
Wed Aug 05, 2020 8:38 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 7655
Views: 617042

Re: U.S. stocks continue to soar!

Count me among the small group of people (or am I the only one) who is not exactly thrilled to see his portfolio reach a new all-time high today in debased dollars in a market that seems destined to go up forever. The printing presses are running at full capacity as trillions are conjured out of th...
by Ramjet
Wed Aug 05, 2020 8:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 7655
Views: 617042

Re: U.S. stocks continue to soar!

mrspock wrote:
Wed Aug 05, 2020 3:51 am
I promise you, it isn't the equity holders who will be left holding the smoldering bag of "do do" once the smoke clears
Are you saying you don't agree with all these 10+ year forecasts expecting a low rate of return for equities?
by Ramjet
Mon Aug 03, 2020 1:58 pm
Forum: Personal Consumer Issues
Topic: Move to NE Ohio?
Replies: 57
Views: 3258

Re: Move to NE Ohio?

I live in NE Ohio. I would recommend to rent first, and you already stated you will be, so I agree with your plan. Understand that the western, eastern and southern Cleveland suburbs are very different; culturally, socioeconomically and politically. I live in one of the western suburbs and have no ...
by Ramjet
Mon Aug 03, 2020 10:36 am
Forum: Investing - Theory, News & General
Topic: Dr. Wade Pfau is my guest on the "Bogleheads on Investing" podcast!
Replies: 273
Views: 12774

Re: Dr. Wade Pfau is my guest on the "Bogleheads on Investing" podcast!

These days if it's not a 3 fund portfolio at market weight, let the berating begin :?
by Ramjet
Thu Jul 30, 2020 1:54 pm
Forum: Personal Investments
Topic: High net worth, volatility phobic investor seeking help
Replies: 84
Views: 5775

Re: High net worth, volatility phobic investor seeking help

Annuitize to get to 95K after SS/pension(s), keep everything else as is
by Ramjet
Thu Jul 30, 2020 7:55 am
Forum: Personal Finance (Not Investing)
Topic: CRAZY HOT housing market. Bidders and multiple offers
Replies: 18
Views: 2416

Re: CRAZY HOT housing market. Bidders and multiple offers

Believe it or not, NE Ohio has been like this for a few years now. Wife and I were surprised when we bought a few years ago, multiple offers, houses going way over asking price, sold same day as listed...It was a nightmare. Can't imagine what it's like in more expensive parts of the country right now
by Ramjet
Mon Jul 27, 2020 7:23 am
Forum: Personal Consumer Issues
Topic: Do you drink drink coffee and why or why not?
Replies: 36
Views: 2129

Re: Do you drink drink coffee and why or why not?

I drink coffee because it is my favorite drink
by Ramjet
Thu Jul 23, 2020 7:42 am
Forum: Investing - Theory, News & General
Topic: Benefits of NTSX Exhausted due to Low Treasury Yields?
Replies: 14
Views: 1052

Re: Benefits of NTSX Exhausted due to Low Treasury Yields?

Are you a long term investor?

If rates rise they will eventually settle and you will get paid at that higher rate

Or better yet they may start to fall again
by Ramjet
Wed Jul 22, 2020 1:01 pm
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 479
Views: 42447

Re: Why not 100% PSLDX?

What about using PSLDX in a sort of "Larry Portfolio"? The original LP was something like SCV + Treasuries, and the idea was to use something with more potential gain (and the higher risk that goes with that) on the equity side, but in a smaller percentage (maybe 30/70 or 40/60). So could you use P...
by Ramjet
Wed Jul 22, 2020 8:06 am
Forum: Personal Investments
Topic: Moving from TD Ameritrade to Vanguard
Replies: 17
Views: 1124

Re: Moving from TD Ameritrade to Vanguard

Jack FFR1846 wrote:
Wed Jul 22, 2020 7:55 am
Beach Guy wrote:
Tue Jul 21, 2020 4:08 pm
I want to Roll it over to a Vanguard Rollover IRA.
Why?

Serious question. What can Vanguard give you that TDA doesn't? I see this as a downgrade.
Yes, I made the opposite move. All accounts from VG to TDA. Also, remember TDA will eventually have the Schwab interface
by Ramjet
Tue Jul 21, 2020 7:39 am
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 479
Views: 42447

Re: Why not 100% PSLDX?

As we all know, there's no free lunch. What's the downside? I asked the same question. As someone explained, this fund would be a disaster if both stocks and safe bonds fell because he is leveraged on both. But it's hard to see how they could fall together, maybe with a rising inflation. :twisted: ...
by Ramjet
Mon Jul 20, 2020 9:02 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3136
Views: 543339

Re: What are you up YTD? [Year To Date]

About 7 percent with a combination of PSLDX and S&P 500
by Ramjet
Sun Jul 19, 2020 11:54 am
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 479
Views: 42447

Re: Why not 100% PSLDX?

RocketShipTech wrote:
Sun Jul 19, 2020 11:25 am
Is it such a crazy bet that that index will return >1.1% CAGR?
Exactly, it boils down to this and I'm willing to take that bet over the long term.
by Ramjet
Sat Jul 18, 2020 10:34 am
Forum: Personal Investments
Topic: Until What Age Would You Recommend 0% Bond Allocation?
Replies: 149
Views: 8090

Re: Until What Age Would You Recommend 0% Bond Allocation?

52, i.e., about 10 years from retirement
by Ramjet
Thu Jul 16, 2020 3:55 pm
Forum: Personal Consumer Issues
Topic: Anyone else love this new working from home thing?
Replies: 89
Views: 6304

Re: Anyone else love this new working from home thing?

everyone loves it. Companies sitting on commercial real estate that may not be as valuable as they thought!
by Ramjet
Thu Jul 16, 2020 3:08 pm
Forum: Investing - Theory, News & General
Topic: Front Loading Equities
Replies: 15
Views: 648

Re: Front Loading Equities

WarAdmiral wrote:
Thu Jul 16, 2020 2:38 pm
A) Because it's very risky given their investing life
If someone waited until 50 to start adding bonds would you consider that very risky as well?
by Ramjet
Thu Jul 16, 2020 2:29 pm
Forum: Investing - Theory, News & General
Topic: Front Loading Equities
Replies: 15
Views: 648

Re: Front Loading Equities

Search for lifecycle investing on this forum. Will do. I thought this model had to do with leverage though Leverage is the logical conclusion for those who want to “front load” their equities as much as possible. But it’s not required. Just set a cap at 100% max stocks (no leverage). I am leveraged...
by Ramjet
Thu Jul 16, 2020 2:21 pm
Forum: Investing - Theory, News & General
Topic: Front Loading Equities
Replies: 15
Views: 648

Re: Front Loading Equities

Search for lifecycle investing on this forum. Will do. I thought this model had to do with leverage though Leverage is the logical conclusion for those who want to “front load” their equities as much as possible. But it’s not required. Just set a cap at 100% max stocks (no leverage). I am leveraged...
by Ramjet
Thu Jul 16, 2020 2:03 pm
Forum: Investing - Theory, News & General
Topic: Front Loading Equities
Replies: 15
Views: 648

Re: Front Loading Equities

langlands wrote:
Thu Jul 16, 2020 1:10 pm
Search for lifecycle investing on this forum.
Will do. I thought this model had to do with leverage though
by Ramjet
Thu Jul 16, 2020 1:44 pm
Forum: Investing - Theory, News & General
Topic: Front Loading Equities
Replies: 15
Views: 648

Re: Front Loading Equities

Note that I am 36, far from retirement (25 years?), and not committed to front loading equities. It does however, make the most sense to me if you know that you have a high risk tolerance and won't panic sell in a downturn
by Ramjet
Thu Jul 16, 2020 1:40 pm
Forum: Investing - Theory, News & General
Topic: Front Loading Equities
Replies: 15
Views: 648

Re: Front Loading Equities

I see many posters who are in the accumulation have one of the two strategies below 1) Static asset allocation that they are comfortable with that they intend to hold indefinitely, e.g., when you see someone say "I'm 60/40 for life" 2) Glide path based on age, e.g., @ 40 years old 80/20, @ 50 years...
by Ramjet
Thu Jul 16, 2020 1:08 pm
Forum: Investing - Theory, News & General
Topic: Front Loading Equities
Replies: 15
Views: 648

Front Loading Equities

I see many posters who are in the accumulation have one of the two strategies below 1) Static asset allocation that they are comfortable with that they intend to hold indefinitely, e.g., when you see someone say "I'm 60/40 for life" 2) Glide path based on age, e.g., @ 40 years old 80/20, @ 50 years ...
by Ramjet
Thu Jul 16, 2020 12:33 pm
Forum: Investing - Theory, News & General
Topic: Should everyone have TIPS?
Replies: 82
Views: 4905

Re: Should everyone have TIPS?

If you have some long bonds and the rest TIPS you should be covered for both inflation and deflation risk
by Ramjet
Mon Jul 13, 2020 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Helping my nephew out of his rut
Replies: 82
Views: 8635

Re: Helping my nephew out of his rut

Would he do well at a trade school instead of traditional college

Maybe something where he would be able to move out of that area afterwards
by Ramjet
Mon Jul 13, 2020 10:03 am
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 479
Views: 42447

Re: Why not 100% PSLDX?

vineviz wrote:
Mon Jul 13, 2020 9:19 am
Ramjet wrote:
Mon Jul 13, 2020 8:58 am


Plus bonds don't have to fall further for this fund to outperform
Outperform what?

If the expected net return of the leveraged bonds is greater than the expense ratio of the fund, the investor will achieve their objective.
S&P 500 or TSM for me personally
by Ramjet
Mon Jul 13, 2020 9:07 am
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 479
Views: 42447

Re: Why not 100% PSLDX?

This seems to depend heavily on long term bonds. Aren't these bonds at an all time high with little conceivable upside? This looks like an extreme version of bond market timing. And I thought that a portfolio's purpose was (partly) to keep up with inflation. Since high inflation leads to high inter...
by Ramjet
Mon Jul 13, 2020 8:58 am
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 479
Views: 42447

Re: Why not 100% PSLDX?

This seems to depend heavily on long term bonds. Aren't these bonds at an all time high with little conceivable upside? This looks like an extreme version of bond market timing. And I thought that a portfolio's purpose was (partly) to keep up with inflation. Since high inflation leads to high inter...
by Ramjet
Sun Jul 12, 2020 8:26 am
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 479
Views: 42447

Re: Why not 100% PSLDX?

If we have a stagflation or if the we go on sideways market both in bonds and stocks then this will not do good. If your long the index atleast you wont lose money, with this the high fees will kill you. One of the Feds mandates is targeted inflation. In the 1970's, when we saw stagflation, the Fed...
by Ramjet
Fri Jul 10, 2020 10:23 am
Forum: Investing - Theory, News & General
Topic: DFA Small-Cap Value has now underperformed since inception
Replies: 111
Views: 6697

Re: DFA Small-Cap Value has now underperformed since conception

Stef wrote:
Fri Jul 10, 2020 5:32 am
According to the newest Fama & French paper there is just too much noise in the data from the last 30 years to tell if there is still a size and value premium.
Date published?
by Ramjet
Thu Jul 09, 2020 12:23 pm
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 479
Views: 42447

Re: Why not 100% PSLDX?

Please explain which BH principal(s) it violates and why. Let's see, an active management , leveraged fund , with high ER , that speculates on the futures of a subset of the market . “Subset of the market” Owning this fund hardly precludes one from also owning an international fund; in fact, PIMCO ...
by Ramjet
Thu Jul 09, 2020 12:17 pm
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 479
Views: 42447

Re: Why not 100% PSLDX?

Curious, for those of you who have bought PSLDX, about what % of your portfolio does it make up? I personally purchase as much as possible in my IRAs and use total market funds for employer plans
by Ramjet
Wed Jul 01, 2020 7:03 am
Forum: Personal Investments
Topic: Recent retired, Wellesley OK till after elections?
Replies: 17
Views: 1960

Re: Recent retired, Wellesley OK till after elections?

Presidential elections shouldn't have much to do with your AA
by Ramjet
Tue Jun 30, 2020 7:24 am
Forum: Personal Consumer Issues
Topic: Job candidate sending messages via LinkedIn
Replies: 62
Views: 3687

Re: Job candidate sending messages via LinkedIn

Just don't respond to it, problem solved
by Ramjet
Sat Jun 27, 2020 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Erie insurance - experience?
Replies: 16
Views: 929

Re: Erie insurance - experience?

Fantastic. I have had them for the last 10 years for auto/home. Low prices, premiums have not gone up very much or enough for me to care. About 8 years ago I hit a deer on the highway and totaled my car, check in my hand within that same week. No forced upgrades to home, although they pressed about ...
by Ramjet
Sat Jun 20, 2020 9:26 am
Forum: Personal Investments
Topic: Ditching International
Replies: 274
Views: 15821

Re: Ditching International

vineviz wrote:
Sat Jun 20, 2020 9:21 am
From 1961 to now, international has outperformed US about 50% of the time
When international outperforms, on average how much is the outperformance?

Same questions for U.S.
by Ramjet
Tue Jun 16, 2020 7:38 am
Forum: Personal Investments
Topic: Ditching International
Replies: 274
Views: 15821

Re: Ditching International

lump sum it and never worry about it again
by Ramjet
Mon Jun 15, 2020 12:07 pm
Forum: Investing - Theory, News & General
Topic: Why not 100% PSLDX?
Replies: 479
Views: 42447

Re: Why not 100% PSLDX?

RocketShipTech wrote:
Sun Jun 14, 2020 10:31 pm
Overall, the weighted average duration of the bond allocation is only 7 years. Along with the stocks, that bond portion is then leveraged up 2x for an effective duration of 14 years.
Thanks for pointing this out, I did not appreciate this detail previously
by Ramjet
Wed Jun 10, 2020 7:51 am
Forum: Personal Investments
Topic: 3.2% SWR for 60 years - 0%, 20% or 33% bonds?
Replies: 41
Views: 2735

Re: 3.2% SWR for 60 years - 0%, 20% or 33% bonds?

That said, historic perpetual withdrawal rates, which should be used for very long retirements, since 1970 were highest for 80/20 to 90/10 allocations. 100/0 had a slightly lower PWR but a higher average balance. That's the sort of thing I'm interested in analyzing more. Do you have anymore info on...
by Ramjet
Wed Jun 10, 2020 7:47 am
Forum: Personal Consumer Issues
Topic: What happens to all my digitized photos when I die?
Replies: 68
Views: 5420

Re: What happens to all my digitized photos when I die?

Your spouse/family locates the external hard drive you backed the photos up on or you use a platform where you can provide "share" access to other users
by Ramjet
Tue Jun 09, 2020 7:02 pm
Forum: Personal Investments
Topic: percentage of portfolio in Roth?
Replies: 72
Views: 3564

Re: percentage of portfolio in Roth?

Currently 25% of investments are in ROTH

Follow same logic as you, the more the better
by Ramjet
Tue May 19, 2020 8:27 am
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 97
Views: 14560

Re: Lowes vs Home Depot

From my experience they are interchangeable, unless your are looking for a specific brand, e.g., Lowes signed a deal with Stanley Black and Decker and now carries Craftsman outdoor power equipment. I go to Home Depot simply because it's 5 mins from my house