Bogleheads.org

todaysBob

Imagine you become unemployed for a year and unemployment only covers six months. You finally go back to work and rather than enroll in the 401k and get a great match and fill up valuable tax advantaged space, and rather than use your Roth IRA, you forego that for a year or longer because you have ...

todaysBob

This is worse because that cash in EF(say $60k for $10k/month expenses) could have been participating in the market all along. I can see your point of view. But let me ask you this. If you always slash your AA to pay expenses as they come in, how do you make sure you don't withdraw too much (i.e. m...

todaysBob

Sound like all the folks in favor of EF are treating EF like a sacred always dependable for once in a life time emergency mitigation. What happens once an emergency actually strikes and you use the pile of cash? Wouldn't you now need to sell some of the investments to refill the EF? How is that dif...

todaysBob

Sound like all the folks in favor of EF are treating EF like a sacred always dependable for once in a life time emergency mitigation. What happens once an emergency actually strikes and you use the pile of cash? Wouldn't you now need to sell some of the investments to refill the EF? How is that diff...

todaysBob

I believe the conventional definition of “asset allocation” is the way you decide to allocate your “investable assets.” An emergency fund (or you can just think of it as just the pile of cash you keep on hand to feel comfortable) is not an “investable asset” any more than your primary residence is ...

todaysBob

The spending of an EF does not trigger rebalancing if it is not part of your AA. How so may I ask? Once the EF(or part of it) has been used up, how would you refill it? Either you wait for new funds(which means you are w/o an EF for a while) or you sell stocks/bonds and replenish the EF(aka rebalan...

todaysBob

I usually put my limit price close to ask price and for liquid etfs like VTI, VXUS spread is usually a cent or two. My theory is even with asking price, we are getting better price than a MF would get end of the day 70% of the time. Given that stocks go up 70% of the days

todaysBob

First advice you will get here is to get rid of that 7.75% personal loan first thing tomorrow! Your retirement will thank you in 30 years.

todaysBob

US Stocks returned 15%/year over last 12 years while international struggled. Next decade might be different but who knows? I have only setup my portfolio as a Boglehead portfolio(i.e just index funds) since Feb 19 2020 after many misfirings with individual stocks, private equity, options and crypto...

todaysBob

VTIAX(VXUS) have much lower expense ratio compared to the other two you mentioned. I do own VWO(equivalent to EEM but much lower ER) along with VXUS to get more emerging markets exposure.

todaysBob

I contributed to my traditional IRA with after tax money in 2020 and then backdoor converted it to Roth. My 1099-R is also showing entire amount as taxable. This was my first time using the backdoor route. Ditto for my wife. Is this a vanguard issue? No. Vanguard (or any other brokerage) does not k...

todaysBob

[Moved into a new thread from: 2020 1099-R error --admin LadyGeek] I contributed to my traditional IRA with after tax money in 2020 and then backdoor converted it to Roth. My 1099-R is also showing entire amount as taxable. This was my first time using the backdoor route. Ditto for my wife. Is this...

todaysBob

Yeah just checked on IB and 0 shares available to short.

So no way to profit from this madness

?

todaysBob

Investors have confused this stock with private messenger app called Signal recommended by Elon Musk couple of days ago. https://markets.businessinsider.com/news/stocks/signal-advance-stock-price-surge-elon-musk-tweet-privacy-app-2021-1-1029956384 https://www.cnbc.com/2021/01/08/elon-musk-boosts-sig...

todaysBob

4501.5

todaysBob

I just used "Convert to Roth IRA" this morning w/o any issues. But mine tIRA was all cash, not sure if you have to first sell your tIRA holding and then transfer to Roth?

todaysBob

anon_investor wrote: ↑Sun Dec 27, 2020 1:18 am
todaysBob wrote: ↑Sun Dec 27, 2020 12:55 am Looks like $10 off promo already ended around 9.30 PST ?
Check again, I still see it ...

Not sure whats happening, I can see the promotion in incognito browser window but not after signing in. So not able to add promotion to the cart.

todaysBob

Looks like $10 off promo already ended around 9.30 PST

?

todaysBob

1. Buying an under construction investment property in my home country 2 years after moving to US(2010). I was 26, had no idea of what stock market meant and back home stocks were looked down upon as gambling. So this felt a safe option. That apartment is still being built(like a few days/every year...

todaysBob

$LARGECORP with 10-yr CAGR of 38% This sounds like Amazon. I have worked there as a software engineer and still have a lot of friends at Amazon. Despite the news articles full of bad employee experiences, there is indeed something unique about the culture there. It feels like a collection of startu...

todaysBob

A long shot. How did the PE investment work out for you realfan?

todaysBob

$1M in margin at IB(https://www1.interactivebrokers.com/en/index.php?f=46376) will just cost you 1.14 % :happy $10k at 1.59% though. There is a promo that starts your first dollar in the second tier, currently 1.09%. It's been discussed on the forum. I am guessing it is only for new accounts? I alr...

todaysBob

$1M in margin at IB(https://www1.interactivebrokers.com/en/index.php?f=46376) will just cost you 1.14 % :happy $10k at 1.59% though. There is a promo that starts your first dollar in the second tier, currently 1.09%. It's been discussed on the forum. I am guessing it is only for new accounts? I alr...

todaysBob

$1M in margin at IB(https://www1.interactivebrokers.com/en/ ... hp?f=46376) will just cost you 1.14 %

$10k at 1.59% though.

todaysBob

cap-weighted index funds only trade when stocks enter or exit the index, or when investors add or withdraw money from the fund. How about etfs? What happens when I sell or buy VTI? For argument's sake, if I am selling $1B of VTI, will that lead to price of VTI changing right away and trigger sellin...

todaysBob

I haven't done much research into Umbrella insurance and need to get to it soon. Newbie question - Why does the net worth matter here? Say my net worth is also $5M and I have an umbrella for $5M, someone sues me for $10M. Will I still be on the hook for $5M from my assets? If my net worth was $0, I ...

todaysBob

What edge does this give you against well informed professionals which have access to a host of sophisticated tools? This is crossing over to speculation. I have always wanted to clarify my understanding of this. I agree with everybody about not trying to time the market but want to clear my doubts...

todaysBob

Isn't the market always out to get us

, so if most of the posts here say bottom is not behind us, it probbaly is?

todaysBob

given that the sellers are largely institutional and Vanguard has reported their investors are buying more than they are selling in the crash. Thanks for bringing this up. I always wonder about this - why do institutions sell/buy so frequently? They should be the ones with more sense than us averag...

todaysBob

I feel you OP. I'm 29 years old, learned everything I know about investing in the last 9 months and lump sum invested my life savings (18.5k) in December 2019 and another 8k (my bonus) on February 20th. I know it's not much, but starting my investment career with a 20% loss in 3 weeks is hard. Logi...

todaysBob

Updated the question with my modified plan. Will really appreciate everyone's thoughts!

todaysBob

People do this with stocks because they don't see them as real assets but as numbers jumping down on a screen. When you look back later, 29 is such a young age - you'll realize that any money you can put in over the next months and years will do better if stock markets stay down. Thanks much for th...

todaysBob

Hi, and welcome to the board. I totally understand where you are coming from as I am partly in the same position. I was 100% allocated to cash (pure luck) at the beginning of the year but deployed 50% of my cash before the market experienced its most severe downturns, so the thought of "if i h...

todaysBob

Your experience is a great indication that the drop was not "obvious" in advance. You had all the info everyone else did, but only in hindsight do we organize it in our heads to point out what was about to happen. So, remember that you don't know what will happen next - you've just had a ...

todaysBob

These are clearly not normal times, and I don’t know anyone who has done studies that factor in the obviously relevant information present now (e.g. futures trading literally just gapped down to a stopping point after a big rate cut and quantitative easing by the Fed). I agree and wish I had done t...

todaysBob

kareysue wrote: ↑Thu Mar 12, 2020 2:57 pm why till 1800?

I would have to give up at some point! But yeah anything is possible.

Please note that monthly contributions($4.5k) will still be going into the market every month. The margin is reserved for minimizing my regret of missing out!

todaysBob

I think you are young. So nothing to worry about. But just wait for the market to settle first. How do you know the market won't fall back to 2008 levels? With democratic president, low oil prices, and other possible black swan events, maybe you can look into buying ibonds or more conservative inve...

todaysBob

Update After thinking through this a little more, here is my updated plan- 1. I want to stay fully invested(100% equities) to maximize my return since I don't need this money hopefully for 30+ years. 2. I do want to make use of these big corrections though, i.e put more money in whenever market tan...

todaysBob

I just started investing the end of December 2019. I have 70% Total Stock, 10% Int'l Stock, 20% Total Bonds. As of today I'm seeing -12.5% total returns, and after looking over all the news about the pandemic I'm convinced I'll be looking at -30% at the bottom. From all the back-testing I've resear...

todaysBob

-$120k/20% ($600k -> $480k)

vtsax:vtiax:vbtlx - 60:30:10

todaysBob

What I did for VTSAX->SPY - 1) Submit sell order for VTSAX before market closes. 2) Follow price of VTI(etf version of VTSAX) and based on its % change few mins before market close, estimate NAV that VTSAX will sell for. 3) Using #2, create a buy order for SPY. You can be little conservative and wor...

todaysBob

You should be able to sell VSIAX and then right away buy IJS with the unsettled funds, no need to bring in more cash.

I just did this with interactive brokers. I hope VG is same, may want to call them & confirm.

todaysBob

This is not anywhere near "worst timing". That award definitely goes to me. Waited for years(4+) on the sidelines, finally had the courage to just put everything in. Guess the date I swung for the fences? Yep you got it,Feb 19th 2020, vtsax - 83.79 all time high. Has been fun seeing it sl...

todaysBob

This is not anywhere near "worst timing". That award definitely goes to me. Waited for years(4+) on the sidelines, finally had the courage to just put everything in. Guess the date I swung for the fences? Yep you got it,Feb 19th 2020, vtsax - 83.79 all time high. Has been fun seeing it sli...

todaysBob

So, a lot of tech workers in SF & Seattle(specially Amazon with a max cap on base pay) are living paycheck to paycheck so to speak. Their big mortgages, day care costs and car payments doesn't leave much to invest on a monthly cadence. They however have big(> $100k each time) RSU vests every 3 o...

todaysBob

mindboggling wrote: ↑Mon Mar 02, 2020 3:23 pm Every day--corona or no corona--I ask myself if it is necessary to do something (anything) with my investments. So far the answer has been no.

Why do you have to ask everyday

?

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