Search found 105 matches

by LarryCarell
Fri Nov 20, 2020 11:42 am
Forum: Personal Investments
Topic: Looking for advice for big portfolio
Replies: 24
Views: 1473

Re: Looking for advice for big portfolio

Your friend is overweighting corporate bonds. That conflicts with his stated goal of reducing risk. I would suggest: 30% Total Stock Market (VTI) 70% Total Bond Market (BND) Total Bond Market includes treasuries and would be a more conservative choice. He could also bump his stock allocation to 35%...
by LarryCarell
Fri Nov 20, 2020 10:18 am
Forum: Personal Investments
Topic: Looking for advice for big portfolio
Replies: 24
Views: 1473

Re: Looking for advice for big portfolio

Dear Bogleheads, A friend of mine asked me for help with the advise he received. No debt, multiple properties, retired. Mid 7 figures $ in cash (deposit ended a week ago). No income, so needs dividends. About 100 000$ in expanses/year Friend does not "need" dividends, and shouldn't even w...
by LarryCarell
Fri Nov 20, 2020 10:01 am
Forum: Personal Investments
Topic: Looking for advice for big portfolio
Replies: 24
Views: 1473

Re: Looking for advice for big portfolio

Your friend is overweighting corporate bonds. That conflicts with his stated goal of reducing risk. I would suggest: 30% Total Stock Market (VTI) 70% Total Bond Market (BND) Total Bond Market includes treasuries and would be a more conservative choice. He could also bump his stock allocation to 35%...
by LarryCarell
Fri Nov 20, 2020 8:55 am
Forum: Personal Investments
Topic: Looking for advice for big portfolio
Replies: 24
Views: 1473

Re: Looking for advice for big portfolio

The friend is really conservative and preserving the capital is the main objective. Larry Then use ... 30% Total stock market index 70% total bond index The point being, simpler is better because, well, it's simpler. There is nothing to be gained from clever, complex or esoteric schemes. They can't...
by LarryCarell
Fri Nov 20, 2020 8:07 am
Forum: Personal Investments
Topic: Looking for advice for big portfolio
Replies: 24
Views: 1473

Re: Looking for advice for big portfolio

The friend is really conservative and preserving the capital is the main objective. Larry Then use ... 30% Total stock market index 70% total bond index The point being, simpler is better because, well, it's simpler. There is nothing to be gained from clever, complex or esoteric schemes. They can't...
by LarryCarell
Fri Nov 20, 2020 8:06 am
Forum: Personal Investments
Topic: Looking for advice for big portfolio
Replies: 24
Views: 1473

Re: Looking for advice for big portfolio

Dear Homestretch, One property was a rental one, but empty now and will be sold soon. Others are residents. No social security or pension. I have several thoughts regarding portfolio: Merge VOO and VTI - 20% VTI. I would add 6% VXUS Have no idea what to do with VYM. Regarding VCLT and VTC do not rea...
by LarryCarell
Fri Nov 20, 2020 6:52 am
Forum: Personal Investments
Topic: Looking for advice for big portfolio
Replies: 24
Views: 1473

Re: Looking for advice for big portfolio

The friend is really conservative and preserving the capital is the main objective.

Larry
by LarryCarell
Fri Nov 20, 2020 6:36 am
Forum: Personal Investments
Topic: Looking for advice for big portfolio
Replies: 24
Views: 1473

Looking for advice for big portfolio

Dear Bogleheads, A friend of mine asked me for help with the advise he received. No debt, multiple properties, retired. Mid 7 figures $ in cash (deposit ended a week ago). No income, so needs dividends. About 100 000$ in expanses/year Thats the advice (all etfs): 20% Long term corporate bonds VCLT (...
by LarryCarell
Tue Nov 17, 2020 9:00 am
Forum: Personal Investments
Topic: Additional investment when the market is down
Replies: 55
Views: 4041

Re: Additional investment when the market is down

Hello Bogleheads! Just made a calculations of my strategy vs lump sum and thought I should share if anybody is deliberating and looking for some case studies. If i Invested everything the day of my 1st investment (13 of august 2020) I would end up today with 27 600 $ capital gains and around 2 300 $...
by LarryCarell
Fri Nov 06, 2020 1:30 pm
Forum: Personal Investments
Topic: Choosing Vanguard Short-Term Corporate Bond Index Fund ETF Shares (VCSH)
Replies: 4
Views: 544

Choosing Vanguard Short-Term Corporate Bond Index Fund ETF Shares (VCSH)

Dear Bogleheads,

I ve decided for my 3 fund portfolio to go with Vanguard Short-Term Corporate Bond Index Fund ETF Shares (VCSH) (exp. 0,05%) instead of BND. What are the risks with this decision?

Thanks
Larry
by LarryCarell
Mon Oct 19, 2020 1:06 pm
Forum: Non-US Investing
Topic: Using Swiss Bank and Taxes
Replies: 45
Views: 5320

Re: Using Swiss Bank and Taxes

so high it is crazy..
by LarryCarell
Tue Oct 13, 2020 3:15 pm
Forum: Personal Investments
Topic: Interactive Brokers
Replies: 2
Views: 296

Re: Interactive Brokers

Paul

thanks.
And how do you figure out your rate of return?

Thanks
Larry
by LarryCarell
Tue Oct 13, 2020 10:13 am
Forum: Personal Investments
Topic: Interactive Brokers
Replies: 2
Views: 296

Interactive Brokers

Dear Boglehead, I am having trouble understanding my returns on Interactive Brokers. Ive opened my account in august. My account for now consists of 50% cash and 50% ETFs When I look up the effectiveness of my portfolio it says 2,4 %. Thats for both money and ETF? Meaning that effectiveness of mu ET...
by LarryCarell
Tue Sep 29, 2020 10:07 am
Forum: Investing - Theory, News & General
Topic: "A look back at the life of Vanguard's founder"
Replies: 19
Views: 2116

Re: "A look back at the life of Vanguard's founder"

Thank you Taylor!
Rick, really waiting for your next podcast! I mean really! So sad it is just once a month, Ive listened to them all.

Thanks!
by LarryCarell
Thu Sep 24, 2020 10:18 am
Forum: Personal Investments
Topic: Additional investment when the market is down
Replies: 55
Views: 4041

Re: Additional investment when the market is down

And again in vxus! Happy for now, accelerated my investments and did it with gain
by LarryCarell
Mon Sep 21, 2020 10:48 am
Forum: Personal Investments
Topic: Additional investment when the market is down
Replies: 55
Views: 4041

Re: Additional investment when the market is down

Market got down 5% in the last 5 days - invested additional 1,5% in VTI. Really happy, thanks everyone!
by LarryCarell
Mon Sep 21, 2020 6:58 am
Forum: Investing - Theory, News & General
Topic: Best Books for Complete Beginners
Replies: 22
Views: 1781

Re: Best Books for Complete Beginners

Grt2bOutdoors wrote: Sun Sep 20, 2020 7:36 pm The Little Book of Common Sense Investing - 2nd Edition by John C. Bogle. Don’t be fooled by its reference to Little, it’s chock full of everything you need to become a successful investor.
this is the one. if some terms are unfamiliar use investopedia.
by LarryCarell
Thu Sep 17, 2020 6:32 am
Forum: Investing - Theory, News & General
Topic: Negative Rates
Replies: 6
Views: 776

Re: Negative Rates

Thanks!
by LarryCarell
Thu Sep 17, 2020 6:06 am
Forum: Investing - Theory, News & General
Topic: Negative Rates
Replies: 6
Views: 776

Negative Rates

Dea Bogleheads,

can you please clarify why negative rates for treasuries exist and who and why buys them?

Thanks
by LarryCarell
Sat Sep 12, 2020 4:08 am
Forum: Non-US Investing
Topic: Using Swiss Bank and Taxes
Replies: 45
Views: 5320

Re: Using Swiss Bank and Taxes

Please let us know what your fees will be. I switched from swiss bank to IB. It doesnt feel safe, even though logically it is as safe as possible with IB. I would prefer to stay in swiss bank, but cant get my head around paying 0,4% annual fee just for holding securities with them. not right, does ...
by LarryCarell
Thu Sep 10, 2020 5:11 pm
Forum: Non-US Investing
Topic: Using Swiss Bank and Taxes
Replies: 45
Views: 5320

Re: Using Swiss Bank and Taxes

Please let us know what your fees will be. I switched from swiss bank to IB. It doesnt feel safe, even though logically it is as safe as possible with IB. I would prefer to stay in swiss bank, but cant get my head around paying 0,4% annual fee just for holding securities with them. not right, does n...
by LarryCarell
Tue Sep 08, 2020 12:19 pm
Forum: Personal Investments
Topic: Additional investment when the market is down
Replies: 55
Views: 4041

Re: Additional investment when the market is down

Here are the money rules my husband and I use. We have done well to have it in writing so we dont really have to think about it, specially from an emotional perspective, when the market is going up and down. View Why to Add 1 equity - no more than 15% of portfolio Buy stocks in 2-3 phases. 1st posi...
by LarryCarell
Tue Sep 08, 2020 8:48 am
Forum: Personal Investments
Topic: Additional investment when the market is down
Replies: 55
Views: 4041

Re: Additional investment when the market is down

today might be a good example of an additional investment when the market is down=)) but here comes another question, will it go down more? with lump summing all these question will go away, you just need the balls to do it...
by LarryCarell
Tue Sep 08, 2020 7:59 am
Forum: Personal Investments
Topic: Additional investment when the market is down
Replies: 55
Views: 4041

Re: Additional investment when the market is down

You appear to be under the impression that covid is causing the market to be too high. In other words when covid is over the market will be lower. This seems an odd belief. I agree with everyone else that you're investing too slowly. Two years would be a long DCA and that's a bit over 4%/month. I t...
by LarryCarell
Tue Sep 08, 2020 6:35 am
Forum: Personal Investments
Topic: Additional investment when the market is down
Replies: 55
Views: 4041

Re: Additional investment when the market is down

6 years is hell of a lot, but I am doing this strategy during covid crisis, when it ends I will change my strategy (also dont really have any parameters that would indicate that it has ended) . . . . I am investing 1,5% for the time being as I really do not want to invest more than that during covi...
by LarryCarell
Tue Sep 08, 2020 5:42 am
Forum: Personal Investments
Topic: Additional investment when the market is down
Replies: 55
Views: 4041

Re: Additional investment when the market is down

You appear to be under the impression that covid is causing the market to be too high. In other words when covid is over the market will be lower. This seems an odd belief. I agree with everyone else that you're investing too slowly. Two years would be a long DCA and that's a bit over 4%/month. I t...
by LarryCarell
Tue Sep 08, 2020 4:39 am
Forum: Personal Investments
Topic: Additional investment when the market is down
Replies: 55
Views: 4041

Re: Additional investment when the market is down

I have also outlined to myself, that when a market goes down, i will invest on top of my monthly investment another 1,5%, but did not indicate any specific parameters which will trigger that investment. And it is clear now that I should do that. Investing more when the market is down will only have...
by LarryCarell
Tue Sep 08, 2020 4:36 am
Forum: Personal Investments
Topic: Additional investment when the market is down
Replies: 55
Views: 4041

Re: Additional investment when the market is down

First observation: If you can afford to invest that larger amount, you should make it your regular amount. Second observation: When to buy and sell is a re-balancing decision. Establish your desired AA and the acceptable bounds around that then buy/sell as needed stay within those bounds. did not r...
by LarryCarell
Mon Sep 07, 2020 12:34 pm
Forum: Personal Investments
Topic: Additional investment when the market is down
Replies: 55
Views: 4041

Re: Additional investment when the market is down

6 years is hell of a lot, but I am doing this strategy during covid crisis, when it ends I will change my strategy (also dont really have any parameters that would indicate that it has ended) . . . . I am investing 1,5% for the time being as I really do not want to invest more than that during covi...
by LarryCarell
Mon Sep 07, 2020 12:24 pm
Forum: Personal Investments
Topic: Additional investment when the market is down
Replies: 55
Views: 4041

Re: Additional investment when the market is down

for the moment 67 months 30 years from now when your portfolio is mostly growth, will you move it all to cash and then re-DCA it in over 67 months? Of course not. Doing it with new money is no different (taxes aside). If you are struggling with the emotions of investing then DCA makes sense (otherw...
by LarryCarell
Mon Sep 07, 2020 12:19 pm
Forum: Personal Investments
Topic: Additional investment when the market is down
Replies: 55
Views: 4041

Re: Additional investment when the market is down

Dear Bogleheads, I need your opinion. A month ago I ve started my investment journey, with a plan to invest on a monthly basis 1,5% of my windfall. I invest: 50% - Vanguard Short-Term Corporate Bond ETF (VCSH) 25% - Vanguard Total Stock ETF (VTI) 25% - in Vanguard Total International Stock ETF (VXU...
by LarryCarell
Mon Sep 07, 2020 12:07 pm
Forum: Personal Investments
Topic: Additional investment when the market is down
Replies: 55
Views: 4041

Re: Additional investment when the market is down

6 years is hell of a lot, but I am doing this strategy during covid crisis, when it ends I will change my strategy (also dont really have any parameters that would indicate that it has ended) . . . . I am investing 1,5% for the time being as I really do not want to invest more than that during covi...
by LarryCarell
Mon Sep 07, 2020 11:12 am
Forum: Personal Investments
Topic: Additional investment when the market is down
Replies: 55
Views: 4041

Re: Additional investment when the market is down

Are you investing 15% of the windfall per month, which is spread out over 7 months? Or are you investing 1.5% of the windfall per month, which is spread out over 67 months? Seven months is arguably reasonable (although not what I would do), but 67 months is very unreasonable in my opinion. I am inv...
by LarryCarell
Mon Sep 07, 2020 11:00 am
Forum: Personal Investments
Topic: Additional investment when the market is down
Replies: 55
Views: 4041

Re: Additional investment when the market is down

plan to invest on a monthly basis 1,5% of my windfall. Are you investing 15% of the windfall per month, which is spread out over 7 months? Or are you investing 1.5% of the windfall per month, which is spread out over 67 months? Seven months is arguably reasonable (although not what I would do), but...
by LarryCarell
Mon Sep 07, 2020 10:38 am
Forum: Personal Investments
Topic: Additional investment when the market is down
Replies: 55
Views: 4041

Re: Additional investment when the market is down

Why are all of your bonds in corporates? I would sharpen the pencil in your portfolio before investing. I like your 50/50 US/ex-US but it would be more efficient to hold treasuries (or just total bond) and take your risk on the equity side (can hold more equity and less treasuries to give you same ...
by LarryCarell
Mon Sep 07, 2020 10:34 am
Forum: Personal Investments
Topic: Additional investment when the market is down
Replies: 55
Views: 4041

Re: Additional investment when the market is down

plan to invest on a monthly basis 1,5% of my windfall. Are you investing 15% of the windfall per month, which is spread out over 7 months? Or are you investing 1.5% of the windfall per month, which is spread out over 67 months? Seven months is arguably reasonable (although not what I would do), but...
by LarryCarell
Mon Sep 07, 2020 10:10 am
Forum: Personal Investments
Topic: Additional investment when the market is down
Replies: 55
Views: 4041

Re: Additional investment when the market is down

Did you indicate to yourself, when you make additional investments in stocks? Or when you sell bonds and reinvest in stocks? How much should the market go down and in what time frame? Yes, I use the RBD strategy that has been posted a number of times on Bogleheads.org. So I am looking for a variabl...
by LarryCarell
Mon Sep 07, 2020 6:46 am
Forum: Personal Investments
Topic: Additional investment when the market is down
Replies: 55
Views: 4041

Re: Additional investment when the market is down

How about, whenever the market closes down, you put in an extra .5% that day. Are you putting in 1.5% of the original total each month? Even for DCA, for psychological reasons, a nearly six year period seems excessive. Do you have any additional funds coming in? What are you buying? I do have addit...
by LarryCarell
Mon Sep 07, 2020 6:42 am
Forum: Personal Investments
Topic: Additional investment when the market is down
Replies: 55
Views: 4041

Re: Additional investment when the market is down

Here is what I do... If I have money to invest, I invest it all. I don’t dollar cost average. My thought is that you are just as likely to lose out dollar cost averaging than if you invest your money in one lump sum. Then if stocks go up or down such that my desired asset allocation is out of whack...
by LarryCarell
Mon Sep 07, 2020 6:38 am
Forum: Personal Investments
Topic: Additional investment when the market is down
Replies: 55
Views: 4041

Re: Additional investment when the market is down

MrJedi wrote: Mon Sep 07, 2020 6:22 am Pick an asset allocation you can stick with. If you are worried about DCA, then it is too risky for you.
The thing is ive received big inheritance, and i do not fill comfortable lump summing during covid*market highs and low interest rates.
by LarryCarell
Mon Sep 07, 2020 6:12 am
Forum: Personal Investments
Topic: Additional investment when the market is down
Replies: 55
Views: 4041

Additional investment when the market is down

Dear Bogleheads, I need your opinion. A month ago I ve started my investment journey, with a plan to invest on a monthly basis 1,5% of my windfall. I invest: 50% - Vanguard Short-Term Corporate Bond ETF (VCSH) 25% - Vanguard Total Stock ETF (VTI) 25% - in Vanguard Total International Stock ETF (VXUS...
by LarryCarell
Tue Sep 01, 2020 7:05 am
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 281
Views: 19086

Re: What is your age and asset allocation ?

Just started investing a month ago from my inheritance on a monthly basis.
25% US total stocks 25% international total stocks and 50% short term corporate us bonds.

After covid will switch to 65% stocks 35% bonds

I am 30 years old.
by LarryCarell
Wed Aug 26, 2020 5:24 am
Forum: Investing - Theory, News & General
Topic: Looking for great interviews, podcasts, blogs
Replies: 14
Views: 1090

Looking for great interviews, podcasts, blogs

Dear Bogleheads, I really enjoy listening to Rick Ferrys bogleheads podcasts (wish he could do it more then once per month) , morning star podcasts, watch interviews with J.C. Bogle and others. I usually hear on these podcasts references to other interviews with J.C. Bogle and other great minds. May...
by LarryCarell
Tue Aug 25, 2020 1:05 pm
Forum: Personal Investments
Topic: Wealth Management groups -- why used if don't make financial sense
Replies: 24
Views: 1566

Re: Wealth Management groups -- why used if don't make financial sense

I can judge on my own example - had no clue about indexing and all statistic and idea behind it.
by LarryCarell
Sun Aug 23, 2020 2:02 pm
Forum: Investing - Theory, News & General
Topic: Book recommendations for young adults/new investors
Replies: 21
Views: 1429

Re: Book recommendations for young adults/new investors

Ive read these 3 books :

Common Sense on Mutual Funds: New Imperatives for the Intelligent Investor
The intelligent investor
The Bond book

With addition to this community and its wiki Ive got all i needed, I think.
by LarryCarell
Fri Aug 21, 2020 5:35 am
Forum: Personal Investments
Topic: Is it time to hold cash instead of Bonds?
Replies: 76
Views: 10631

Re: Is it time to hold cash instead of Bonds?

I ve decided to invest in Vanguard Short-Term Corporate Bond ETF (VCSH) instead of Vanguard Total Bond Market ETF (BND) for the moment, to avoid interest rate risks. What do you think about that decision?
by LarryCarell
Thu Aug 20, 2020 7:24 pm
Forum: Non-US Investing
Topic: Registering a company in Ireland
Replies: 13
Views: 575

Re: Registering a company in Ireland

In death scenario we wont have to pay an estate tax of 40% as Ireland has an estate tax treaty with US That's not strictly true. While Ireland has an estate tax treaty with the US, it is a poor one, and reportedly does not increase the US estate tax exemption beyond the very limited $60,000 allowed...
by LarryCarell
Thu Aug 20, 2020 7:12 pm
Forum: Non-US Investing
Topic: Registering a company in Ireland
Replies: 13
Views: 575

Re: Registering a company in Ireland

In death scenario we wont have to pay an estate tax of 40% as Ireland has an estate tax treaty with US That's not strictly true. While Ireland has an estate tax treaty with the US, it is a poor one, and reportedly does not increase the US estate tax exemption beyond the very limited $60,000 allowed...