Bogleheads.org

silent_john

Only on BH do we see 400+ replies debating on whether or not an emergency fund counts towards your investment allocation. I agree with Klang and others that I don't consider my EF as part of my INVESTABLE allocation at all. Ohh I'm actually 77.345634/23.634234 instead of 80/20 omg WHO CARES? :oops:

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Sometimes I wonder what all the meme stocks were back in 2013,2014,2015,2016,2017 ... I wonder what plays people made to blow up their accounts. I dont know because all I had at the time was my 401k that I didnt even know existed. I built it to ~85k before I even knew that I had one! Honestly, I thi...

silent_john

I understand the excitement over crypto, but I dont understand why I need to sign up for coinbase, buy btc/eth, download the keys onto a thumb drive, bury the drive in the middle of the desert, tattoo the gps coordinates on the bottom of my foot, and hope that the tattoo doesnt fade and I lose my k...

silent_john

silent_john

I've seen enough threads on reddit about people losing their money, their job, their families, their mortgage, everything, to not buy into the hype. It's only a matter of time for most of these people. We all get lucky in different ways ... no need to chase fad stocks.

silent_john

I held SCV index for about 3 years (not long, I know), but I agree with whomever said it: you have to be religious about it . Just following some of the small cap threads here made my head spin. I still believe in it to be honest; it makes sense to me. I simply just don't have the willpower and conv...

silent_john

Fully-fledged bubble with arguably 3 crashes (2011, 2018, 2020)

silent_john

silent_john

anoop wrote: ↑Mon Jan 04, 2021 2:19 pm
Most US companies have plenty of exposure to international markets.

The opposite is true as well. Or do you think that Americans never buy anything non-American?

silent_john

Let me know when there's a cheap, diverse index fund of crypto available in my IRA. Until then, I have no interest creating an account on yet another website, buying bitcoin, transferring to an encrypted harddrive, driving to the mohave desert, burying the HD in the ground, encrypting the GPS coordi...

silent_john

yay another bitcoin thread. Awesome.

we don't already have 10 of these a day

silent_john

Anybody else holding US SCV, exUS SC, and EM only in IRA? I have target date fund in 401k since it's my only decent/cheap option. I love this 5 fund portfolio, but it's annoying dealing with multiple accounts. Some days I want to just simplify, but other day I love having this little tilt.

silent_john

What is driving all of the discussion about Ark funds here lately? BH in general has seen a shift lately. Ark funds (active investing?!), numerous bitcoin threads, leveraged products, market timing threads, etc. "Why not just go all in on <<insert newest hot thing>>? What am I missing?" I...

silent_john

Seeing all of the comments of "free money" and "old bogleheads just don't get it", I'm reminded of this post that I saved a while ago. I return to it whenever I feel FOMO. Quite a few comments that posters here are "too conservative". Listen when we counsel many of the,...

silent_john

I'd imagine something like Quandl has this, but I haven't dug too deep into it.

silent_john

You have an income. Do you max up your tax-deferred accounts? KlangFool I max out both our IRAs and we both get close to maxing 401ks. Not sure what that has to do with anything when an account specifically for education exists in which gains are tax advantaged and contributions are tax deductible....

silent_john

You have an income. Do you max up your tax-deferred accounts? KlangFool I max out both our IRAs and we both get close to maxing 401ks. Not sure what that has to do with anything when an account specifically for education exists in which gains are tax advantaged and contributions are tax deductible....

silent_john

Strange thread with so many opting out of 529. Our's is 1 year old and we have ~9k in it already. There's no downside to 529 within the context of it being an education account . It can be used for so many things (tuition, room and board, computer), it can be used for high school even (I know MY pr...

silent_john

Strange thread with so many opting out of 529. Our's is 1 year old and we have ~9k in it already. There's no downside to 529 within the context of it being an education account . It can be used for so many things (tuition, room and board, computer), it can be used for high school even (I know MY pr...

silent_john

Strange thread with so many opting out of 529. Our's is 1 year old and we have ~9k in it already. There's no downside to 529 within the context of it being an education account . It can be used for so many things (tuition, room and board, computer), it can be used for high school even (I know MY pri...

silent_john

People always say some variation of "US companies do business outside of the US, therefore I don't need ex-US".

Sorry for the absolutely noob question, but: don't international companies do business in the US?

silent_john

How can they satisfy themselves re money laundering checks? You transfer money into PayPal account, where you buy crypto tokens which you can use to buy things on their platform. Other platform users receive these crypto tokens and exchange to money to transfer them out of their PayPal account. Wha...

silent_john

But are bitcoin enthusiasts sincere believers in bitcoin simply as a stable store of value and medium of exchange? Or is there, as I suspect, a very serious expectation that the engineered scarcity will continue to produce robust growth in value, a high rate of return? Mr Money Moustache said it be...

silent_john

I don't see how SCV tilt disagrees with the BH philosophy: Develop a workable plan :thumbsup Invest early and often :thumbsup Never bear too much or too little risk :thumbsup Diversify :thumbsup Never try to time the market :thumbsup Use index funds when possible :thumbsup Keep costs low :thumbsup M...

silent_john

This just seems like a trolling post at this point. Pretty shameful, honestly. While I respect TL's often contradicting opinion , this is the first thing I thought when I saw the thread. TL's opinion and advice is well known since it's repeated, ad nauseum, in every single SCV thread on here.

silent_john

Fidelity did a study of their individual investors. The group that had the best performance were accounts where the owners forgot about the accounts! That’s right, not trading substantially outperformed active traders. Link here: https://www.bogleheads.org/forum/viewtopic.php?t=146347 Wasn't that F...

silent_john

Fidelity did a study of their individual investors. The group that had the best performance were accounts where the owners forgot about the accounts! That’s right, not trading substantially outperformed active traders. Link here: https://www.bogleheads.org/forum/viewtopic.php?t=146347 Wasn't that F...

silent_john

Another argument could be that you can buy certain stocks (small caps) that large funds either can't buy enough to move the needle (think Buffett...he's made this very argument with Berkshire) or couldn't buy without affecting the price adversely (buying shares at higher prices). Yes those are the ...

silent_john

The correct formulation is: “Active funds, in aggregate , cannot outperform the market”. This is from Nobel prize winning economist William Sharpe. Note that “in aggregate” is the key. Any given year many funds outperform the market (but more underperform the market, especially after expenses). The...

silent_john

I have never heard the second part of the argument, that "individual investors (you and me) can easily beat the market." Where did you see that? Individuals can 'supposedly' beat the market consistently and easily because they aren't moving huge amounts of money. I see this argument all t...

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