Search found 36 matches

by drumboy256
Sun Jan 24, 2021 11:14 am
Forum: Investing - Theory, News & General
Topic: What to pair with NTSX?
Replies: 231
Views: 19726

Re: What to pair with NTSX?

Just as aside, I'm placing one of my tIRA rollovers into a 80/20 split of NTSX and VT of which based on most of the back tests, they do pretty well which yes, I know--- historical results don't mean future gains. The main reason for doing this is having leveraged treasuries that I believe will be a ...
by drumboy256
Sun Jan 24, 2021 8:22 am
Forum: Personal Investments
Topic: Low Minimum Investment Account For Young Kids
Replies: 17
Views: 868

Re: Low Minimum Investment Account For Young Kids

Fidelity UTMA accounts with VT.

Easy peazy.
by drumboy256
Sat Jan 23, 2021 4:07 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin ETF (GBTC): Is 17% premium irrelevant?
Replies: 42
Views: 3252

Re: Bitcoin ETF (GBTC): Is 17% premium irrelevant?

Haven't done a metric ton of research, I can safely say skip GBTC and buy Bitcoin directly. Fidelity will NOT honor the paper that you owe that is the Bitcoin in holding that Greyscale buys. So think of basically getting an IOU for something that you can never redeem. The ONLY thing that will save ...
by drumboy256
Sat Jan 23, 2021 1:43 am
Forum: Investing - Theory, News & General
Topic: Tracking my ARK / Bitcoin - non-Boglehead portfolio
Replies: 112
Views: 6693

Re: Tracking my ARK / Bitcoin - non-Boglehead portfolio

Good on you OP. Interesting study and look forward to seeing the results!
by drumboy256
Fri Jan 22, 2021 8:42 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin ETF (GBTC): Is 17% premium irrelevant?
Replies: 42
Views: 3252

Re: Bitcoin ETF (GBTC): Is 17% premium irrelevant?

Haven't done a metric ton of research, I can safely say skip GBTC and buy Bitcoin directly. Fidelity will NOT honor the paper that you owe that is the Bitcoin in holding that Greyscale buys. So think of basically getting an IOU for something that you can never redeem. The ONLY thing that will save C...
by drumboy256
Wed Jan 20, 2021 9:13 am
Forum: Personal Investments
Topic: Fidelity HSA - Which fund to invest in?
Replies: 17
Views: 1878

Re: Fidelity HSA - Which fund to invest in?

Appreciate the replies. I may be wrong, but I view my HSA differently than the rest of my portfolio. I think there is an above average chance I deplete my HSA by the time I hit 65. I don't think I will be working till 65 and if the balance does rise over the next couple of years, I expect it to dro...
by drumboy256
Tue Jan 19, 2021 10:55 pm
Forum: Personal Investments
Topic: Fidelity HSA - Which fund to invest in?
Replies: 17
Views: 1878

Re: Fidelity HSA - Which fund to invest in?

My HSA is 100% NTSX. Read up on it, great fund for it’s purpose.
by drumboy256
Tue Jan 19, 2021 10:53 pm
Forum: Personal Investments
Topic: "Inappropriate level of risk"
Replies: 28
Views: 3319

Re: "Inappropriate level of risk"

Welcome! Follow what others have said about reading up on risk and your asset allocation (AA) for your age. For me personally, I’m riding 60 US / 36 Intl. / 4 Bonds. For reference, my bond allocation is simply from my works fund I have no control over. I also won’t start buying bonds until I reach 5...
by drumboy256
Sun Jan 17, 2021 10:17 am
Forum: Investing - Theory, News & General
Topic: 'The long, long bull market since 2009 has finally matured into a fully-fledged epic bubble' - GMO
Replies: 185
Views: 18806

Re: Grantham piece on market bubble

My biggest mistake was not putting money in during the coronacrash last year. Won't be making that mistake again.
by drumboy256
Sat Jan 16, 2021 6:52 pm
Forum: Personal Investments
Topic: Asset Allocation - Overall or by Account?
Replies: 19
Views: 1090

Re: Asset Allocation - Overall or by Account?

This is likely a very dumb question, but I am sure I am not the only wondering so I will ask it for everyone's benefit. I want to do an 80/20 asset allocation to mirror the Three Fund Portfolio (but only two of the funds due to only being 26 with a high risk tolerance and opting to forgo bonds at t...
by drumboy256
Sat Jan 16, 2021 6:15 pm
Forum: Personal Investments
Topic: Questions on hedge against US dollar decline?
Replies: 18
Views: 778

Re: Questions on switching to international to hedge against US dollar collapse?

I may be young and stupid (turning 40 this year) but why would you go from a super tilted US based growth fund to a even MORE concentrated international holding? Regardless if the USD implodes (spoiler alert, it won't) you're moving from 520 holdings down to 165 with the new fund which I'm assuming...
by drumboy256
Sat Jan 16, 2021 3:18 pm
Forum: Personal Investments
Topic: Questions on hedge against US dollar decline?
Replies: 18
Views: 778

Re: Questions on switching to international to hedge against US dollar collapse?

I may be young and stupid (turning 40 this year) but why would you go from a super tilted US based growth fund to a even MORE concentrated international holding? Regardless if the USD implodes (spoiler alert, it won't) you're moving from 520 holdings down to 165 with the new fund which I'm assuming...
by drumboy256
Sat Jan 16, 2021 2:50 pm
Forum: Personal Investments
Topic: Questions on hedge against US dollar decline?
Replies: 18
Views: 778

Re: Questions on switching to international to hedge against US dollar collapse?

I may be young and stupid (turning 40 this year) but why would you go from a super tilted US based growth fund to a even MORE concentrated international holding? Regardless if the USD implodes (spoiler alert, it won't) you're moving from 520 holdings down to 165 with the new fund which I'm assuming ...
by drumboy256
Thu Jan 14, 2021 8:11 pm
Forum: Personal Investments
Topic: Fidelity BrokerageLink (pre-tax / post-tax)
Replies: 11
Views: 693

Re: Fidelity BrokerageLink (pre-tax / post-tax)

My 401(k) plan is with Fidelity. I made pre-tax and post-tax contributions to it. Recently, I transferred $X (pre-tax) and $Y (post-tax) money from 401(k) to BrokerageLink. $X+$Y is sitting in the Fidelity Cash Reserve. When placing an order in BrokerageLink, how do I tell Fidelitythat I want to pu...
by drumboy256
Wed Jan 06, 2021 1:02 am
Forum: Personal Investments
Topic: Should I sell my RSUs?
Replies: 13
Views: 1050

Re: Should I sell my RSUs?

Always sell.
by drumboy256
Tue Jan 05, 2021 11:38 pm
Forum: Personal Investments
Topic: Can I create generational wealth?
Replies: 193
Views: 18838

Re: Can I create generational wealth?

obafgkm wrote: Tue Jan 05, 2021 11:08 am Original Poster (OP):

Please read this story about what happens when somebody try to do what you propose:

John Jones's Dollar
All I can say is holy [Expletive deleted -- moderator oldcomputerguy..... what a mind trip. Thank you for posting that!
by drumboy256
Fri Jan 01, 2021 10:25 am
Forum: Personal Investments
Topic: Short Term Taxable Account Emergency Fund for post 6 Month expenses
Replies: 14
Views: 863

Re: Short Term Taxable Account Emergency Fund for post 6 Month expenses

We have around $2-$5k in a taxable for vacations, large life purchases and anything else “need” associated. The trick is to always wait for a year to pull the money out for long term capital gains.

For reference, either lump sum or DCA into is fine, all preference.
by drumboy256
Tue Dec 29, 2020 10:42 pm
Forum: Personal Investments
Topic: How to invest $200k (from 2.25% cash out refinancing)?
Replies: 192
Views: 10955

Re: How to invest $200k (from 2.25% cash out refinancing)?

Bitcoin at this point since that wasn’t the smartest move.
by drumboy256
Mon Dec 21, 2020 3:02 pm
Forum: Personal Investments
Topic: places and ways to invest in crypto
Replies: 44
Views: 2967

Re: places and ways to invest in crypto

Gemini is the only place you should be buying Bitcoin. All other facilities are absolute trash.
by drumboy256
Thu Dec 17, 2020 10:02 pm
Forum: Personal Investments
Topic: Crypto stocks in VTSAX?
Replies: 6
Views: 729

Re: Crypto stocks in VTSAX?

Lol, I mean, of all companies to be worried about.
by drumboy256
Thu Dec 17, 2020 3:31 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin @ 23K, why am I anti-Bitcoin?
Replies: 404
Views: 19689

Re: Bitcoin @ 23K, why am I anti-Bitcoin?

I am allocating 15% of my international index directly to Bitcoin as it is going nowhere but up. It works as a store of value, payment method, hedge against global financial institutions and is The Godfather of crypto. Why people don’t get it... I mean, maybe they don’t get how to use an iPhone. 🤷‍♂️
by drumboy256
Wed Dec 09, 2020 12:33 am
Forum: Personal Investments
Topic: Three fund portfolio ... are there bond "alternatives"?
Replies: 38
Views: 3621

Re: Three fund portfolio ... are there bond "alternatives"?

Edited to add: The other alternatives are Rewards Checking Accounts. That requires making a certain number of debit transactions per month. One such account I am very happy to recommend is Lake Michigan Credit Union, and their Max-Rewards checking account. You need to have at least $50 direct depos...
by drumboy256
Wed Dec 09, 2020 12:28 am
Forum: Personal Investments
Topic: How many people here literally use the three-fund portfolio?
Replies: 102
Views: 7640

Re: How many people here literally use the three-fund portfolio?

I use a target retirement fund for my work 401k accounts and I have my IRA and Wife’s IRA set against VTI, VXUS and BND and our Roth’s set for FZROX + FZILX. The only thing I plan to change in the near term is allocation of 10% of my Intl. fund dedicated to Bitcoin. For the record, Bitcoin to me is ...
by drumboy256
Wed Dec 09, 2020 12:18 am
Forum: Personal Investments
Topic: Financial planner vs Own
Replies: 6
Views: 606

Re: Financial planner vs Own

Sounds to me like you don’t know how to handle money still. I would start there and then come back after some reflection and an understanding of what your risk tolerance is and retirement horizon is.
by drumboy256
Mon Dec 07, 2020 10:22 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 366
Views: 32931

Re: How much you lost/gain since Feb 20,2020 ?

Admiral wrote: Mon Dec 07, 2020 7:52 am
drumboy256 wrote: Sun Dec 06, 2020 11:38 pm Since June since I’ve started tracking stuff (thanks to you fine people...)

I’m up 82%.... pretty awe struck.
How are you up 82%? Options?
Nope,

Tesla and Palantir. My only two non-Bogelhead investments.
by drumboy256
Sun Dec 06, 2020 11:38 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 366
Views: 32931

Re: How much you lost/gain since Feb 20,2020 ?

Since June since I’ve started tracking stuff (thanks to you fine people...)

I’m up 82%.... pretty awe struck.
by drumboy256
Mon Nov 30, 2020 10:09 am
Forum: Personal Investments
Topic: Managing my own 401k instead of target date fund?
Replies: 27
Views: 2752

Re: Managing my own 401k instead of target date fund?

Counter point... I was managing all of my 3 fund portfolio of which I looked at the Fidelity comparable target fund and it literally was one basis point higher on the ER. So instead of paying $11 bucks per year now I’m paying $12 for Fidelity automagically rebalance for me. Either way, I still sprea...
by drumboy256
Sat Nov 21, 2020 6:32 pm
Forum: Personal Investments
Topic: Percentage of the vanguard int. stock Index
Replies: 38
Views: 2623

Re: Percentage of the vanguard int. stock Index

What percentage of the Vanguard International Stock Index Fund in the equity portion of one’s portfolio is best? I’m comfortable with 10%, but I noticed Vanguard and Taylor Larimore recommends 20%. Clea I have about 22% moving towards 30%. My AA is 58 USTM / 22 INTLTM / 20 Bonds. As for why, well, ...
by drumboy256
Fri Nov 20, 2020 7:59 pm
Forum: Personal Investments
Topic: Help deciding between bond funds in 401k
Replies: 4
Views: 525

Re: Help deciding between bond funds in 401k

Personally, your low on your international and should up it to at least 20% (imo).

Bond wise, I run 20/80 of the following:
FXNAX - Total Bond
FUAMX - 7yr Treasuries

Anything more than two bond's for chasing gains of returns isn't really worth it. Good luck!
by drumboy256
Mon Oct 19, 2020 8:56 am
Forum: Personal Investments
Topic: At what age did you start moving into bonds?
Replies: 79
Views: 4547

Re: At what age did you start moving into bonds?

39. Realized after I did more reading that 100% equities is a fools errand (imo) because you're risking more than you're gaining. I think the other thing that a lot of people (including myself) didn't realize up until recently--- So you're in Bonds--- now what? The "right" kind of bonds is...
by drumboy256
Sat Oct 17, 2020 11:20 am
Forum: Personal Investments
Topic: Fidelity Freedom Fund Question [Freedom Fund vs Freedom Index Fund]
Replies: 22
Views: 1636

Re: New Member here quick question

The primary question is "do you want bonds in your Roth IRA?" A Target fund steadily increases bonds. Placement might dictate that your Roth (Roths) have all stock index funds. Last to be used, no RMD, tax free growth. Our Roth accounts are 100% VTSAX. Set it and forget it. Bond are in 40...
by drumboy256
Sat Oct 17, 2020 11:12 am
Forum: Personal Investments
Topic: All in on VTSAX
Replies: 136
Views: 13582

Re: All in on VTSAX

On my slow journey of trying to become a passive investor, I've now moved from 10-20% of international to now just having 5-10% of international exposure. Why? The reality is the world runs from the capitalistic front--- which right now is the US. Will that change? Perhaps, but honestly, my only rea...
by drumboy256
Thu Oct 15, 2020 11:54 pm
Forum: Personal Investments
Topic: Saving money for a yearly vacations
Replies: 14
Views: 1794

Re: Saving money for a yearly vacations

So maybe I'm a bit of maverick on this--- but this is what I do for vacations. Every quarter, I take $500 from our emergency fund to "invest" for vacations and/or large life purchases. The rule of thumb is that you do not take out that $500 dollars until day 366 to get long term capital ga...
by drumboy256
Thu Jul 02, 2020 11:42 pm
Forum: Personal Investments
Topic: ITOT vs VTI vs FSKAX vs FZROX vs VTSAX for a Fidelity Brokerage
Replies: 43
Views: 4307

Re: ITOT vs VTI vs FSKAX vs FZROX vs VTSAX for a Fidelity Brokerage

To your question, I am currently using VTI across my tax advantaged accounts (personal and wifes) and for our joint we're using ITOT for funding future purchases as well as TLH opportunities if need be. Good luck!
by drumboy256
Sat Jun 06, 2020 9:00 pm
Forum: Personal Investments
Topic: Does every one here only have 3 funds in their portfolios?
Replies: 131
Views: 8471

Re: Does every one here only have 3 funds in their portfolios?

3 Fund types spread across multiple account types. Personally I find the 3 fund model freeing. I have total index, international and bonds with the split being 80/10/10 right now. Love it.
by drumboy256
Sat Jun 06, 2020 2:26 pm
Forum: Personal Investments
Topic: FZROX or FSKAX in 401 rollover to Fidelity
Replies: 14
Views: 809

Re: FZROX or FSKAX in 401 rollover to Fidelity

I'm a long time member here but I set it and forget it. have most of my retirement and investments in the 3 fund portfolio at Vanguard auto-re balancing annually. I haven't really kept up on the ZERO fund introduction. I am opening an HSA at Fidelity to transfer a current HSA and am also getting re...