Search found 218 matches

by careytilden
Sat Nov 28, 2020 9:18 pm
Forum: Investing - Theory, News & General
Topic: compound growth of stock prices
Replies: 7
Views: 761

Re: compound growth of stock prices

It probably goes without saying, but stocks don't grow at a fixed rate. There is no strict compound interest going on. There is a similar effect, due to company growth, but it's not at all direct or predictable in the short term. In the long term, it does show a compounding effect over time. I shoul...
by careytilden
Thu May 28, 2020 4:35 pm
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 94
Views: 8994

Re: Anyone screwed up timing the market?

I rebalanced while stocks were dropping. Sold a bunch of bonds to buy stocks. This thread inspired me to check back on that transaction and how it has played out. I accidentally timed it almost perfectly. I bought 5 days before the bottom. I bought about $8,000 worth of stocks. My portfolio is now w...
by careytilden
Thu Apr 16, 2020 1:38 am
Forum: Investing - Theory, News & General
Topic: I am feeling forced to buy into this market
Replies: 55
Views: 6252

Re: I am feeling forced to buy into this market

I'm very fond of the concept of evaluating your portfolio in terms of need/ability/willingness to take risk. It sounds like your willingness is all over the place. What about your need and ability? Thinking about those ideas may help you feel more confident in your choice, even despite wavering will...
by careytilden
Sun Apr 05, 2020 12:28 pm
Forum: Personal Investments
Topic: $500K - What would you do given my situation?
Replies: 12
Views: 1232

Re: $500K - What would you do given my situation?

How many months of expenses would your emergency cash cover? I would analyze it in those terms. If you have less than 6 months, maybe plan on increasing it a bit. I know I sure would like to increase mine.

As for your 3 options, #2 sounds the most sensible to me.
by careytilden
Sat Apr 04, 2020 6:22 pm
Forum: Personal Investments
Topic: What Individual stocks are you buying?
Replies: 147
Views: 12801

Re: What Individual stocks are you buying?

I'm surprised to see so much speculative chatter here. It seems anathema to how this forum usually leans. This is nothing IMHO. Over the past month or so, there's been ALL kinds of threads about market timing, capitulation, margins, trend and technical analysis, etc, etc. Disclosure: The vast major...
by careytilden
Sat Apr 04, 2020 12:29 pm
Forum: Personal Investments
Topic: What Individual stocks are you buying?
Replies: 147
Views: 12801

Re: What Individual stocks are you buying?

I'm surprised to see so much speculative chatter here. It seems anathema to how this forum usually leans.
by careytilden
Tue Mar 31, 2020 10:36 pm
Forum: Investing - Theory, News & General
Topic: Why do different total market and SP500 funds have different NAVs?
Replies: 8
Views: 481

Re: Why do different total market and SP500 funds have different NAVs?

I suppose it just depends on what price they started at. I'm not really sure how that works but I'm guessing it's somewhat arbitrary.
by careytilden
Sun Mar 29, 2020 3:04 pm
Forum: Personal Investments
Topic: Can we combine Roth IRAs after marriage?
Replies: 5
Views: 432

Re: Can we combine Roth IRAs after marriage?

Roth IRAs are individual accounts. They'll stay separate after you get married.

Edit: of course, you can and should treat them as parts of one big portfolio. As with all your retirement accounts, if you have any others.
by careytilden
Tue Mar 24, 2020 9:14 pm
Forum: Investing - Theory, News & General
Topic: Bond Strategy
Replies: 69
Views: 4956

Re: Bond Strategy

What is your overall stock/bond allocation? If it's 20% bonds or less or you're 10+ years from retirement, long-term nominal US Treasury bonds are almost certainly the only bonds you need. I've been seeing this advice lately. I'm curious, has this been the general advice for a while and I just neve...
by careytilden
Mon Mar 23, 2020 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Receiving dividend and feeling good
Replies: 33
Views: 2714

Re: Receiving dividend and feeling good

I agree, not sure why many are against them One side of this discussion has a simple message: "Dividends are great!" You only have to think about good vs bad for this to make sense. The other side has a complicated message: "Dividends are only a part of total return and shouldn't be ...
by careytilden
Mon Mar 23, 2020 5:27 pm
Forum: Investing - Theory, News & General
Topic: It's Not Different This Time
Replies: 379
Views: 41173

Re: It's Not Different This Time

5 days from now, we don't know what the numbers will show. 5 weeks from now we might be in lockdown or we could have hopeful, declining numbers. 5 months from now we could have unprecedented unemployment and months of overflowing hospitals or we could have a market rebound as the summer heat and ea...
by careytilden
Mon Mar 16, 2020 10:08 pm
Forum: Investing - Theory, News & General
Topic: CNBC Contributor - Cash Out Refi and Invest
Replies: 19
Views: 1490

Re: CNBC Contributor - Cash Out Refi and Invest

Jebediah wrote: Mon Mar 16, 2020 9:42 pm Bogleheads logic:

100% Stocks....OK!
101% Stocks....tisk tisk, leverage BAD!
Except all those threads where we try to talk people out of 100% equities?
by careytilden
Sun Mar 15, 2020 2:29 pm
Forum: Personal Investments
Topic: Sell Or Wait
Replies: 5
Views: 559

Re: Sell Or Wait

This forum is not really about that kind of trading. I would recommend you sell all your Uber shares. Since they're at a loss, you wouldn't owe taxes on the sale (assuming this is in a taxable account). Then you could use the proceeds to buy widely diversified, low cost index funds. The amount of ea...
by careytilden
Sat Mar 14, 2020 3:28 am
Forum: Investing - Theory, News & General
Topic: So.... is this really "it"? Is this what we needed to mentally prepare for?
Replies: 158
Views: 14608

Re: So.... is this really "it"? Is this what we needed to mentally prepare for?

You should think about the effect time will have on your state of mind. This downturn has happened very fast. After a while it may start to feel different. Though it sounds like you're in it for the long run and confident in your choices, so you may never be tempted to capitulate. But if the market ...
by careytilden
Fri Mar 13, 2020 1:40 am
Forum: Investing - Theory, News & General
Topic: How is this pandemic different than 2008?
Replies: 137
Views: 7712

Re: How is this pandemic different than 2008?

I notice in 2008 the market crash a lot but this pandemic seems different but it seems to fall faster than in 2008. The world was prepared for another financial crisis but it was not prepared for a pandemic because this has never happened before? 2008 was a grind. Bad news kept coming and things ke...
by careytilden
Thu Mar 12, 2020 9:53 pm
Forum: Investing - Theory, News & General
Topic: How is this pandemic different than 2008?
Replies: 137
Views: 7712

Re: How is this pandemic different than 2008?

This is a virus that leaves 80% of people infected feeling fine, 20% of people ill enough to need medical attention, and of that 20% - almost all of them will live. Why bother with facts? Especially when the overall mortality rate will be even lower as the confirmed cases total increases - since mo...
by careytilden
Sun Mar 08, 2020 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Colleague is Day Trading
Replies: 43
Views: 4288

Re: Colleague is Day Trading

All good points above about it being none of my business. It is all he talks about lately. I'll tune it out! Thanks, all! If he's telling you what he's doing, it's only fair you can tell him what you're doing. Don't try to convince, as that could make him defensive. Maybe you can give him some food...
by careytilden
Sat Mar 07, 2020 4:38 pm
Forum: Investing - Theory, News & General
Topic: [Why aren't forum members following the "Stay the course" approach?]
Replies: 379
Views: 27631

Re: [Why aren't forum members following the "Stay the course" approach?]

Posters (many - not all) with <100 posts: "yikes, the sky is falling, what should I do. Should I sell it all?" Posters with 100 - 1000 posts: "hmm, I'm getting a bit nervous" Posters with 1000 - 2000 posts: "what, this again. Yeah I'll take a look and think about it" P...
by careytilden
Sat Mar 07, 2020 12:58 pm
Forum: Investing - Theory, News & General
Topic: The Dark Side of "Stay the Course"
Replies: 202
Views: 16667

Re: The Dark Side of "Stay the Course"

I applaud you for posting, it takes some courage to honestly address your own thoughts and actions like this. The thread has been very interesting as well. But! I'm surprised nobody has yet mentioned nisiprius' wonderful thread, A time to EVALUATE your jitters . (Unless I missed it.) It seems partic...
by careytilden
Wed Nov 13, 2019 10:53 pm
Forum: Personal Investments
Topic: How to combine finances with your spouse? Recently married/early30s
Replies: 72
Views: 6558

Re: How to combine finances with your spouse? Recently married/early30s

My wife and I are approaching the end of our 9th year of marriage. We have a kid and a home mortgage. We finally opened a joint checking account this year--but we're only using it to pay a few bills so far. I think this will expand over time, but we're in no rush. We divided up the bills roughly and...
by careytilden
Sat Mar 02, 2019 3:05 pm
Forum: Personal Investments
Topic: Roth IRA for a child
Replies: 46
Views: 2918

Re: Roth IRA for a child

Someone mentioned that you can open a ROTH IRA for a child even though they don't have earned income. Someone like me or their grandparents can give a gift (below $14000k) to the child and place it in ROTH. I wasn't aware of this. I always though someone needs earned income. https://www.fidelity.co...
by careytilden
Sun Jan 13, 2019 4:17 am
Forum: Personal Investments
Topic: How to invest 5k monthly
Replies: 25
Views: 2913

Re: How to invest 5k monthly

Hi, If I were to invest 5k every month in SP500 (VOO/VUSD), what would be a good strategy to do so? I thought of investing 2.5k on the first of the month, and 2.5k on the last of the month. Another approach could be to just invest everything in one go. Not sure whether it makes any difference? Anyo...
by careytilden
Tue Nov 20, 2018 4:55 pm
Forum: Personal Investments
Topic: Old new investor just woke up needs to catch up
Replies: 59
Views: 6849

Re: Old new investor just woke up needs to catch up

skipper wrote: Mon Nov 19, 2018 11:00 pm Tax Filing Status: Married Filing Jointly; wife unemployed

...

2. I think maximizing two Roths is better for me than a traditional IRA or a combination
Can you do a Roth for her if she's not working?
by careytilden
Tue Nov 20, 2018 12:35 am
Forum: Personal Investments
Topic: Basic re-balancing questions
Replies: 4
Views: 581

Re: Basic re-balancing questions

Yes. Whenever yearly is fine. You need to make sure you don't trigger taxes etc. Don't forget you rebalance every time you buy like a 401k so these events don't happen too often If you are re-balancing in a down turn and you are selling bonds in a tax deferred account to increase stock % that is ok...
by careytilden
Sun Sep 09, 2018 12:49 pm
Forum: Investing - Theory, News & General
Topic: Is individual Bonds better than Bond Fund?
Replies: 58
Views: 6886

Re: Is individual Bonds better than Bond Fund?

Bond funds, in the interest of convenience, encourage the investor to ignore premature redemptions and lost principle during rising rates. Individual bonds avoid this problem if the investor waits for his bonds to mature rather than selling early. The individual investor needs to decide which is mo...
by careytilden
Sat Aug 25, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: 2000-2018 retirement - sequence of returns
Replies: 153
Views: 17253

Re: 2000-2018 retirement - sequence of returns

Luckygirl wrote: Sat Aug 25, 2018 1:31 pm Would these results be similar if you were taking RMD’s starting in 2000? Every year the amount you have to take goes up.
But you don't have to spend the money you get from RMDs, you can reinvest it somewhere else.
by careytilden
Sun Dec 03, 2017 3:27 am
Forum: Investing - Theory, News & General
Topic: Bitcoin - How it works for the layman
Replies: 30
Views: 4369

Re: Bitcoin - How it works for the layman

Even if society migrates to bitcoin as a currency, that doesn't mean it makes sense to consider it an investment. I think this is the key. These conversations seem to go off the rails when framed in terms of investing. My feeling is it's better to think of Bitcoin as an interesting experiment in cu...
by careytilden
Sun Dec 03, 2017 3:23 am
Forum: Investing - Theory, News & General
Topic: Bitcoin - How it works for the layman
Replies: 30
Views: 4369

Re: Bitcoin - How it works for the layman

Tycoon wrote: Sat Dec 02, 2017 9:53 pm Why is a Bitcoin's value quoted in dollars?
Bitcoin value is often quoted in terms of dollars, but not always. There are exchanges that allow trading bitcoin for many other currencies, including GBP, EU, and even other crypto currencies.
by careytilden
Tue Jan 10, 2017 1:11 am
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 382
Views: 49340

Re: How Bad was 2008, really?

I was a young investor in 2008. I had been contributing to my Roth IRA for only 3 years, did not have too much money at stake, had a decent job, and did not really fear losing it. Even so, it was a really worrisome time. Everyone had friends who were unemployed. One of our friends was unemployed for...
by careytilden
Sat Aug 20, 2016 1:53 pm
Forum: Investing - Theory, News & General
Topic: Flexible Retirement Planner---Opinions?
Replies: 3
Views: 1537

Re: Flexible Retirement Planner---Opinions?

I used it a few times in the past as a sanity check. I liked it and playing around with it actually helped me better understand some of the points people discuss a lot around here (e.g., analyzing portfolio vs individual investments,the role of less volatile investments, etc). I found the sensitivit...
by careytilden
Sat Aug 13, 2016 4:03 pm
Forum: Investing - Theory, News & General
Topic: Is it un-bogle like to time your initial purchase of index funds?
Replies: 14
Views: 2345

Re: Is it un-bogle like to time your initial purchase of index funds?

I understand that timing/predicting the market isn't reliable to say the least. On the flipside, it's been ~6-7 years since the last recession, and since the early 80's from what I have read it seems like recessions have happened every 4-10 years. This has me wondering if it would be wise to put ev...
by careytilden
Sun Apr 24, 2016 2:38 pm
Forum: Investing - Theory, News & General
Topic: how do people keep AA constant with ongoing contributions?
Replies: 23
Views: 3196

Re: how do people keep AA constant with ongoing contributions?

I don't fret over excessive AA precision. +/- 10% either way in overall allocation really doesn't make a huge difference to me. So I just do the best I can and accept that I'll drift at times. If something seems to be lagging I direct more new money into it and let it go at that. If stocks go on a ...
by careytilden
Wed Feb 10, 2016 12:14 pm
Forum: Investing - Theory, News & General
Topic: The Gravy Train Departed?
Replies: 72
Views: 12115

Re: The Gravy Train Departed?

So keeping the cash on the sidelines for next years contribution would be wiser than putting the remainder into taxable now + contributing to roth next year? Will you have enough savings to max out your IRA ever year, even without this cash? Will you want to open a taxable account eventually? If ye...
by careytilden
Wed Feb 10, 2016 12:04 pm
Forum: Investing - Theory, News & General
Topic: The Gravy Train Departed?
Replies: 72
Views: 12115

Re: The Gravy Train Departed?

So keeping the cash on the sidelines for next years contribution would be wiser than putting the remainder into taxable now + contributing to roth next year? Will you have enough savings to max out your IRA ever year, even without this cash? Will you want to open a taxable account eventually? If ye...
by careytilden
Tue Feb 09, 2016 4:15 pm
Forum: Investing - Theory, News & General
Topic: The Gravy Train Departed?
Replies: 72
Views: 12115

Re: The Gravy Train Departed?

Heres the issue, I have $13,500.00 to invest. and only 1500 left to contribute for my ROTH IRA for '15 and 5500 for '16 which means I can only invest $7000.00. Before anyone recommends opening an Individual IRA I do not want to go that avenue because this lump of cash I'm investing is also a "...
by careytilden
Fri Jan 22, 2016 2:54 pm
Forum: Investing - Theory, News & General
Topic: Why Bogle?
Replies: 36
Views: 4648

Re: Why Bogle?

I think of it like an affinity group. Most of us share similar ideas with Bogle; we read what he writes and think, "that's my kind of guy." It makes us feel good. Then we argue about the details endlessly. :beer
by careytilden
Thu Jan 14, 2016 5:13 pm
Forum: Investing - Theory, News & General
Topic: Cash Buffer Instead of "Emergency Fund"
Replies: 52
Views: 7233

Re: Cash Buffer Instead of "Emergency Fund"

If I'm reading you correctly, it's a change of focus from using accounts for specific purposes, to focusing on liquidity. Once you have enough liquidity, you feel comfortable investing the rest. While I don't use the exact same mechanics you've described, a few years back I switched to a similar min...
by careytilden
Sat Jan 09, 2016 8:36 pm
Forum: Investing - Theory, News & General
Topic: I'm curious if over-weighting equity investors still ok?
Replies: 92
Views: 10626

Re: I'm curious if over-weighting equity investors still ok?

I have seen some posts from folks in other threads getting nervous and capitulating, but, personally, I'm sticking to my plan. Besides, the correction brought me closer to age-in-bonds than I was before.

:sharebeer
by careytilden
Sat Jan 09, 2016 8:32 pm
Forum: Investing - Theory, News & General
Topic: Has it been a crash every 7-10 years?
Replies: 22
Views: 4087

Re: Has it been a crash every 7-10 years?

PD: This article and not my friend concern me most to be honest, but I still feel confident to buy and hold after hearing your comments. Anyways; What is your opinion on it? http://seekingalpha.com/article/3796226-2016-recession-imminent?li_source=LI&li_medium=liftigniter-widget I sense a littl...
by careytilden
Sat Jan 09, 2016 8:26 pm
Forum: Investing - Theory, News & General
Topic: I'm curious if over-weighting equity investors still ok?
Replies: 92
Views: 10626

Re: I'm curious if over-weighting equity investors still ok?

MN Finance wrote:My 4 year olds Roth is 100% EM. I'm trying to hide the statements from him so he doesn't panic
Does your 4 year old have earned income?
by careytilden
Sat Jan 09, 2016 1:47 pm
Forum: Investing - Theory, News & General
Topic: investus interruptus
Replies: 83
Views: 6335

Re: investus interruptus

Maybe you can describe some scenarios where you feel it would be prudent to adjust asset allocation? I think part of the discussion is getting lost in generalities. I would be interested to see some actual numbers to mull over. For example, if the portfolio was: Stocks $800,000 Bonds $200,000 Total ...
by careytilden
Tue Jan 05, 2016 1:53 pm
Forum: Investing - Theory, News & General
Topic: Why are Robo-Advisor portfolios so aggressive?
Replies: 47
Views: 6349

Re: Why are Robo-Advisor portfolios so aggressive?

Within stocks, the recommendation for international stocks has increased; for a retiree, in Malkiel's examples, from zero in 1990 to 50% of stocks today; in Vanguard's target date funds, first 20%, then 30%, now 40% of stocks. You wrote a very nice post, as usual, but I have to quibble with the abo...
by careytilden
Fri Dec 18, 2015 12:55 am
Forum: Investing - Theory, News & General
Topic: Why do we like dividends?
Replies: 159
Views: 21323

Re: Why do we like dividends?

If dividend are bad, why do Fortune 500 companies pay them? Also, why were large time investors pressuring Apple to pay dividends, which I believe Tim Cook agreed to, if paying dividends would hurt those investors? (I don't think Steve Jobs believed in paying dividends, but I could be wrong on that...
by careytilden
Mon Nov 09, 2015 5:45 pm
Forum: Investing - Theory, News & General
Topic: Would anything external make you change your AA?
Replies: 34
Views: 3188

Re: Would anything external make you change your AA?

I can't predict what I'll do under every circumstance, but I think the important thing--as livesoft and nisiprius have said in different ways--is to include flexibility in my plan. My IPS cannot possibly contain and if-then clause for every scenario, but it can contain a framework for implementing c...
by careytilden
Fri Oct 09, 2015 1:08 pm
Forum: Investing - Theory, News & General
Topic: Internal Rate of Return Calculation Question
Replies: 21
Views: 1893

Re: Internal Rate of Return Calculation Question

I was able to reproduce your error using Google sheets with the data you provided. My guess is that it's a bug (or limitation) in the algorithm Google uses to implement XIRR. I did some experimentation and found you can make it give you an answer by changing the final number (though obviously this w...
by careytilden
Fri Oct 02, 2015 2:28 pm
Forum: Personal Investments
Topic: Opening my First IRA - Diversified?
Replies: 46
Views: 3630

Re: Opening my First IRA - Diversified?

Thanks for your thoughts. Yes I definitely plan to add bond funds as I start getting closer to retirement and have a more traditional mix for my age and targeted retirement date. I'm curious what bond funds are good to add for diversification? What should I be looking for when I analyze bond funds?...
by careytilden
Tue Sep 22, 2015 12:22 pm
Forum: Personal Investments
Topic: Please help. Need Advice. Negative Rate of return on 401k and Roth IRA.
Replies: 33
Views: 21118

Re: Please help. Need Advice. Negative Rate of return on 401k and Roth IRA.

does anyone have any thoughts or opinion on using Roth IRA as a back up emergency fund? My thought is that you *can*, but that doesn't mean it's a good idea. If you're using your contributions as an emergency fund and you need to withdraw them, you can do so without penalty but you don't get to go ...
by careytilden
Tue Sep 22, 2015 12:15 pm
Forum: Personal Investments
Topic: Please help. Need Advice. Negative Rate of return on 401k and Roth IRA.
Replies: 33
Views: 21118

Re: Please help. Need Advice. Negative Rate of return on 401k and Roth IRA.

Do you suggest I move my money to these funds now or wait until the stock market is up? If you have a plan that says "use $X for Y", you should execute that as soon as possible. This, of course, requires that you have a good plan that you can follow in good times and bad. If you don't, we...
by careytilden
Sat Sep 19, 2015 5:16 pm
Forum: Personal Investments
Topic: Please help. Need Advice. Negative Rate of return on 401k and Roth IRA.
Replies: 33
Views: 21118

Re: Please help. Need Advice. Negative Rate of return on 401k and Roth IRA.

I think most of us can have had similar moments of discouragement. Take a look at my first 3 years of investing: . . . Your best bet is to come up with a plan and stick with it. Freaking out and jumping ship is a very common reaction to market turbulence, but it's also a very common reason individu...
by careytilden
Sat Sep 19, 2015 12:53 pm
Forum: Personal Investments
Topic: Please help. Need Advice. Negative Rate of return on 401k and Roth IRA.
Replies: 33
Views: 21118

Re: Please help. Need Advice. Negative Rate of return on 401k and Roth IRA.

I think most of us have had similar moments of discouragement. Take a look at my first 3 years of investing: http://i.imgur.com/KuCC0pe.png By the end of that, I had contributed for 3 years but it was like the 3rd year's contributions never happened. You could say I was pretty darn discouraged. But ...