Search found 35 matches

by bigfry
Thu Oct 15, 2020 11:08 pm
Forum: Investing - Theory, News & General
Topic: Seriously, what is going on with international?
Replies: 164
Views: 14170

Re: Seriously, what is going on with international?

It's almost like Jack Bogle knew what he was talking about when he recommended no more than 20% international.
by bigfry
Wed Sep 16, 2020 3:43 am
Forum: Personal Finance (Not Investing)
Topic: new car - 0% interest loan ?
Replies: 27
Views: 1724

Re: new car - 0% interest loan ?

It just depends how comfortable you are carrying consumer debt. I went through a similar dilemma with my Subaru Forester I bought 6 months ago, I had a 0.9% loan for 4 years. From a mathematical standpoint leaving the money in your brokerage is probably the right thing to do. I personally couldn't s...
by bigfry
Thu Aug 27, 2020 11:29 pm
Forum: Personal Investments
Topic: Poor performing portfolio
Replies: 71
Views: 7290

Re: Poor performing portfolio

I personally don’t see the point of holding anything other than the S&P 500. VOO (I choose FXAIX) is already a low-cost, well-diversified fund with large companies that do business throughout the world. The key, in my humble opinion, is to grow wealth in order to sustain a comfortable retirement an...
by bigfry
Thu Aug 27, 2020 11:29 pm
Forum: Personal Investments
Topic: Jim Collin's advice for a retirement account
Replies: 13
Views: 2178

Re: Jim Collin's advice for a retirement account

Can't go wrong with a two-fund protfolio.
by bigfry
Tue Aug 25, 2020 10:10 pm
Forum: Personal Investments
Topic: New mobile app Beacon by Vanguard
Replies: 3
Views: 676

Re: New mobile app Beacon by Vanguard

Just downloaded it to check it out. I like it! Straightforward and a lot more streamlined.
by bigfry
Thu Aug 20, 2020 9:19 pm
Forum: Investing - Theory, News & General
Topic: Tilting to International
Replies: 178
Views: 14526

Re: Tilting to International

I don't really see the point in tilting to international. Why not just buy the S&P 500? Nearly 30% of the revenues made by companies in the S&P 500 comes from outside the USA. I tend to agree with Mr. Bogle when it comes to this topic; it's unnecessary but if you want to do it then go for it, it won...
by bigfry
Wed Aug 19, 2020 9:12 pm
Forum: Personal Investments
Topic: How often are you adding to taxable accounts?
Replies: 78
Views: 4983

Re: How often are you adding to taxable accounts?

Whenever I have extra money. I don't have a set schedule for my taxable accounts. I lump sum invest my Roth IRA every January and contribute to my 401k through work every two weeks. If I have left over money at the end of the month that I'm not planning on using it goes into my taxable account.
by bigfry
Sat Aug 08, 2020 12:38 pm
Forum: Investing - Theory, News & General
Topic: Think no one can beat the index?
Replies: 158
Views: 15401

Re: Think no one can beat the index?

Of course it's possible to beat the index. I believe around 13% of actively managed funds outperform the market. However, these funds also carry higher expenses which will eat into your returns and you also need to find them which could prove difficult. I'm very happy investing into the S&P 500. It'...
by bigfry
Sat Aug 08, 2020 12:30 pm
Forum: Personal Investments
Topic: Why no Admiral Shares in my Target Date fund?
Replies: 36
Views: 2711

Re: Why no Admiral Shares in my Target Date fund?

I'm not sure. I expect at some point they will introduce admiral shares for these funds as well as the LifeStrategy assortment of funds.
by bigfry
Sat Aug 01, 2020 12:53 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1928
Views: 469778

Re: Share your net worth progression

Ages 27/25, married. No kids as of yet (hopefully soon.) Gross income last year was 140k in a HCOL (So. Cal) Our net worth is broken down as this: 28k in retirement accounts 16k in cash 65k in taxable investments So our net worth as of right now is a total of around ~110k. I'm very happy with a prog...
by bigfry
Fri May 22, 2020 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 407
Views: 39473

Re: The axe falls and I am prepared. What's next?

Folks, So, it happened. I will be laid off by the end of June. The basic financial stuff: A) 3 months severance pay B) 1 year subsidized medical insurance. C) 1 year COBRA D) 110K to 120K of the Emergency Fund E) 1.35 to 1.4 million 60/40 portfolio F) Late 50+ years old. G) Annual expense of about ...
by bigfry
Fri May 15, 2020 3:01 pm
Forum: Investing - Theory, News & General
Topic: Portfolio insurance
Replies: 18
Views: 1874

Re: Portfolio insurance

It's still bonds or cash just like it was before. If market downturns are too much for you to handle you need to reduce your allocation in equities, or just have a larger fund of cash in a savings account to help you sleep at night.
by bigfry
Sat May 09, 2020 2:20 pm
Forum: Investing - Theory, News & General
Topic: The advice you give vs the approach you use
Replies: 36
Views: 2196

Re: The advice you give vs the approach you use

Like many replying here the advice I give is really tailored to the individual. You have to take their age and investing experience into account. For the average new investor a target-date fund invested into a Roth IRA is your best bet for simplicity and ease of understanding. For people who want mo...
by bigfry
Sun Apr 19, 2020 7:48 pm
Forum: Personal Investments
Topic: How to put $100K into the market now?
Replies: 34
Views: 3779

Re: How to put $100K into the market now?

If you are not going to touch the money for 25 years just lump sum it all and forget about it.
by bigfry
Thu Apr 16, 2020 4:22 pm
Forum: Investing - Theory, News & General
Topic: What percentage of your paycheck do you invest?
Replies: 268
Views: 16928

Re: What percentage of your paycheck do you invest?

Out of our household income we invest around around 25% between 401k, Roth and taxable. Hoping to reduce expenses next year to bring this up to 33%, or 1/3d of our income going to investments.

We live in a a HCOL area (So. Cal) so that makes things more difficult.
by bigfry
Fri Apr 03, 2020 4:08 pm
Forum: Investing - Theory, News & General
Topic: Deploying your emergency fund to buy stocks? Think again.
Replies: 183
Views: 29807

Re: Deploying your emergency fund to buy stocks? Think again.

Thanks,willthrill81.... My chunks literally come from an assortment of years of living life with zero debt. I Max all available pre-tax monies . I invest post tax as well. EVERY month. But as you're about to find out, there's a funny thing that happens when you eliminate all debt. 1). Your real liv...
by bigfry
Tue Mar 31, 2020 10:54 pm
Forum: Investing - Theory, News & General
Topic: What is your age/AA during this crisis?
Replies: 138
Views: 6771

Re: What is your age/AA during this crisis?

We are 27 and 25, married. Asset allocation is a little interesting, technically it's around 80/20 across all my accounts but the reason for that is I actually keep my 6 month emergency fund invested in my taxable account in Vanguard's LifeStrategy Income fund (VASIX). Everything else is invested in...
by bigfry
Tue Mar 31, 2020 12:05 pm
Forum: Investing - Theory, News & General
Topic: Last few days stocks have risen - but rally lacks conviction
Replies: 49
Views: 3485

Re: Last few days stocks have risen - but rally lacks conviction

I don't think we're going to see big 10% drops anymore. Market might be red this week, or it could be green again. Who knows? My automatic investment will buy regardless.
by bigfry
Sun Mar 29, 2020 8:41 pm
Forum: Investing - Theory, News & General
Topic: Why does anyone invest in international funds?
Replies: 306
Views: 18657

Re: Why does anyone invest in international funds?

Because the USA doesn't always outperform international regardless of what recent years tell you.
by bigfry
Sun Mar 29, 2020 7:36 pm
Forum: Personal Investments
Topic: Top 5 choices for 1-fund portfolio
Replies: 8
Views: 905

Re: Top 5 choices for 1-fund portfolio

I lean more towards equities at my age versus bonds but my top 5 would probably be VTSAX VTWAX VFIAX LifeStrategy Fund or Balanced Index Fund Balanced Index if your don't want too much risk and don't want to invest in international. LifeStrategy if you want a little more or little less risk and want...
by bigfry
Sun Mar 29, 2020 3:14 pm
Forum: Investing - Theory, News & General
Topic: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?
Replies: 206
Views: 21852

Re: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?

I would dollar cost average all my money in over the next 2-3 months because we are going to see a lot of volatility. And then I wouldn't do anything.
by bigfry
Sun Mar 29, 2020 1:09 am
Forum: Personal Finance (Not Investing)
Topic: how much cash do you keep at home?
Replies: 130
Views: 8838

Re: how much cash do you keep at home?

Very little. Whatever leftover I have in my wallet from withdrawing at an ATM for various reasons. Can range for 10 bucks to 150 bucks. Usually I have 0 though.
by bigfry
Fri Mar 27, 2020 10:14 pm
Forum: Personal Investments
Topic: Starting w/ 1-fund and when to switch to 3-fund
Replies: 22
Views: 1258

Re: Starting w/ 1-fund and when to switch to 3-fund

I am 27 and I personally have 100% of my Roth IRA invested in VTWAX (Vanguard Total World), I am 32 years away from touching that money and I don't see the point in adding bonds until much later (possibly when I am 5-10 years away from retirement). It depends on the individual investor. For most peo...
by bigfry
Fri Mar 27, 2020 2:37 pm
Forum: Personal Investments
Topic: SP500 Index fund will outperform total stock market?
Replies: 51
Views: 5939

Re: SP500 Index fund will outperform total stock market?

They are for all intents and purposes the same. VTSAX and VFIAX are both very good funds and great TLH partners as well. I just recently exchanged all my VTSAX shares for VFIAX for tax-loss purposes. They are "different" enough in the eyes of the IRS that they will not trigger a wash sale. However i...
by bigfry
Fri Mar 27, 2020 2:32 pm
Forum: Investing - Theory, News & General
Topic: How much (or little) do u talk to/teach others about finances
Replies: 36
Views: 1780

Re: How much (or little) do u talk to/teach others about finances

I occasionally will talk with colleagues about investing. They are all stock-pickers and I sometimes will chime in about indexing but usually I keep it to myself. My dad is also a boglehead and frequent reader of these forums so he is the only person I talk about investing/finances with often (other...
by bigfry
Fri Mar 27, 2020 2:26 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 55583

Re: How Is Your Job Being Impacted By The Current Crisis?

I work at a hospital in cardiology. Work has been much slower because we are cancelling all non-urgent appointments in order to limit the amount of people coming in to the hospital as well as free up resources. My job and income has/will not be affected, if anything I may temporarily be transferred ...
by bigfry
Thu Mar 26, 2020 10:03 pm
Forum: Investing - Theory, News & General
Topic: Why don't investors like "boring"?
Replies: 29
Views: 1909

Re: Why don't investors like "boring"?

I've been actively trying to make my overall portfolio more and more boring. Although I use the word simple which in the investing world probably means the same thing as boring.
by bigfry
Thu Mar 26, 2020 1:38 am
Forum: Investing - Theory, News & General
Topic: Smarter approach to "emergency funds"?
Replies: 149
Views: 18446

Re: Smarter approach to "emergency funds"?

Interesting viewpoint. I've always struggled with the concept of an emergency fund. I always understood that it's important to have fixed and liquid cash reserves in case of an emergency or job loss and I've always been taught that 6 months cash in a high yield savings account is the smartest way to...
by bigfry
Tue Mar 24, 2020 4:12 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age ? and this crisis ?
Replies: 173
Views: 10566

Re: What is your AA, given your age ? and this crisis ?

I am 27 and have 100% stocks split between S&P 500 index funds and Vanguard's total world index fund (VTWAX).
I have upped my contributions to my 401k and my taxable account into SP 500 funds (already maxed my Roth for the year in January unfortunately). Riding the roller coaster! :sharebeer
by bigfry
Sun Mar 22, 2020 6:53 pm
Forum: Investing - Theory, News & General
Topic: Are current recession's comparisons to Great Depression doomer tier, accurate or understated?
Replies: 112
Views: 9230

Re: Are current recession's comparisons to Great Depression doomer tier, accurate or understated?

There is quite a lot of doom and gloom out there and honestly there is a ton on this board as well. Nobody can tell the future but I believe once the general perception is that the worst is over and the number of new cases and deaths starts to stagnate or better yet they announce a treatment that is...
by bigfry
Sun Mar 22, 2020 6:42 pm
Forum: Investing - Theory, News & General
Topic: Young investors, how do you feel about your 1st market crash?
Replies: 132
Views: 9249

Re: Young investors, how do you feel about your 1st market crash?

I'm 27 and this is my first market crash since starting my investing journey 2 years ago. I feel pretty good about it. It's shown me my risk tolerance is much higher than I previously thought, I originally started out using the age in bonds rule but since the downturn I have been reallocating to 100...
by bigfry
Sat Mar 21, 2020 3:17 pm
Forum: Investing - Theory, News & General
Topic: Should I have seen this coming?
Replies: 107
Views: 7503

Re: Should I have seen this coming?

When China closed Wuhan shouldn’t I have converted my VTSAX to money-market since I should have known an epidemic never stays local? Worst case scenario, if I had pulled the funds out, I would’ve been out of the market for 2-3 months and could put money back in VTSAX if nothing happened? Im in my 3...
by bigfry
Sat Mar 21, 2020 2:31 pm
Forum: Investing - Theory, News & General
Topic: COVID Crash: What did you get right?
Replies: 61
Views: 2885

Re: COVID Crash: What did you get right?

Pretty much nothing. I almost sold all my positions prior to the crash back in February but then I remembered "time in the market over timing the market" so I fully funded my Roth IRA instead at an ATH (Oops!). I have been slowly reallocating bonds into stocks during this crash and I luckily had a p...