Search found 49 matches

by case_of_ennui
Thu Nov 26, 2020 4:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 10679
Views: 840942

Re: U.S. stocks continue to soar!

fanmail wrote: Thu Nov 26, 2020 3:57 pm Easy to mock forester, but there has been a high positive correlation between btc and us equities going for at least this year.
There is also a high correlation between market drops and months divisible by the number 3 this year. I don't plan on acting on either of those.
by case_of_ennui
Mon Nov 23, 2020 2:55 pm
Forum: Investing - Theory, News & General
Topic: Withdrawal rate for an early retirement
Replies: 428
Views: 24187

Re: Withdrawal rate for an early retirement

I think I trust expectations on future returns even less than I trust historical returns.
by case_of_ennui
Fri Nov 20, 2020 11:13 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 10679
Views: 840942

Re: U.S. stocks continue to soar!

When I backed up the truck I did not like how the jet fuel in the tank was performing compared to gasoline. I removed the jet fuel and will now fill my truck with rocket fuel! Nonetheless I bought more this week. All these truck adjustments are a huge expense in your buying. We at bogleheads try to...
by case_of_ennui
Thu Nov 19, 2020 6:58 pm
Forum: Investing - Theory, News & General
Topic: Another dividend vs total market post
Replies: 35
Views: 1962

Re: Another dividend vs total market post

ChinchillaWhiplash wrote: Thu Nov 19, 2020 6:31 pm It sure looks like there could be some downside protection in focusing on dividends or dividend growth base on this example.
How did dividend growth work to protect against the downside we saw in 2020 compared with a regular S&P or total market fund? Looks like it's done worse YTD.
by case_of_ennui
Thu Nov 19, 2020 3:14 pm
Forum: Investing - Theory, News & General
Topic: [You are] forced to buy TSLA - and it may cost you 5% of your 401k
Replies: 85
Views: 8187

Re: Your forced to buy TSLA - and it may cost you 5% of your 401k

If someone wants to own an ETF or index fund but doesn't want the same level of exposure to the largest companies (Apple, Microsoft, Amazon, Alphabet, Facebook, Alibaba, Berkshire Hathaway, TSM, Tesla, etc.), they could invest in an equal-weighted fund. That comes with its own risks of course, such...
by case_of_ennui
Mon Nov 16, 2020 9:42 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 10679
Views: 840942

Re: U.S. stocks continue to soar!

Nice start to the week. Similar to last Monday's open on good vaccine news. The US market is soaring like a majestic Bald Eagle. International is soaring like some other type of eagle. Perhaps a Golden Eagle. Or maybe some kind of a hawk.
by case_of_ennui
Sat Nov 14, 2020 12:06 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 10679
Views: 840942

Re: U.S. stocks continue to soar!

Just went to Costco again to buy low cost gas. I am considering adding nitrous to my truck!!! Planning next trip to back up the truck! Don’t you mean nitro? Nitrous is what they give you at the dentist’s office. Both! I am mixing them together! Nitrous oxide boosting in cars, oxidizer in rockets, a...
by case_of_ennui
Thu Nov 12, 2020 12:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 10679
Views: 840942

Re: U.S. stocks continue to soar!

firebirdparts wrote: Wed Nov 11, 2020 6:09 pm
columbia wrote: Wed Nov 11, 2020 12:08 pm
Examples of vapor stocks?
Well, NKLA is the most comedic. I figure you already know about that one. There is a cloud of electric vehicle companies caught in the Tesla updraft.
Yup. The new speculation is on NIO and XPEV. Chinese EV companies. What could possibly go wrong?
by case_of_ennui
Mon Nov 09, 2020 9:48 am
Forum: Investing - Theory, News & General
Topic: A return of the Roaring 20s?
Replies: 25
Views: 3317

Re: A return of the Roaring 20s?

This could definitely be a return of the roaring 20's. Or it could not be. Like usual I think the best thing to do is nothing.
by case_of_ennui
Mon Nov 09, 2020 9:42 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 10679
Views: 840942

Re: U.S. stocks continue to soar!

Vanguard REIT fund is up 9% :shock:
by case_of_ennui
Mon Nov 02, 2020 1:35 pm
Forum: Investing - Theory, News & General
Topic: Seriously, what is going on with international?
Replies: 277
Views: 25916

Re: Seriously, what is going on with international?

Which period are we to trust the most? The period that matters isn't any past one, it's the future period in which we're all presently investing for and don't have a graph/data to backtest against. The whole point is we don't know which will outperform because we can't predict the future. I believe...
by case_of_ennui
Sat Oct 31, 2020 2:31 pm
Forum: Investing - Theory, News & General
Topic: Do VGSLX and VGRLX make sense in a post-COVID world?
Replies: 15
Views: 643

Re: Do VGSLX and VGRLX make sense in a post-COVID world?

all that stuff you buy online has to be stored somewhere. But that storage facility is only expensive if it's in an expensive dense urban center. the food you order needs a kitchen to be cooked in. If I live deep in suburbia, there's probably no such kitchen around. This is really my point: real-es...
by case_of_ennui
Sat Oct 31, 2020 2:10 pm
Forum: Investing - Theory, News & General
Topic: Do VGSLX and VGRLX make sense in a post-COVID world?
Replies: 15
Views: 643

Re: Do VGSLX and VGRLX make sense in a post-COVID world?

Take a look at the sector holdings of VGSLX as well. Only something like 8% is in office REITs and another 8% retail. So the remaining 84% of the index is in real estate types other than those you are concerned about such as industrial, residential, or specialized real estate such as cell towers or ...
by case_of_ennui
Fri Oct 30, 2020 10:38 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20768
Views: 2836958

Re: U.S. stocks in free fall

EricaInvestPink wrote: Fri Oct 30, 2020 10:34 am Or I need to just TURN OFF THE COMPUTER AND ZONE OUT OF THIS MESS!!!
Yup. Just short term noise. Tune it out if it stresses you out.
by case_of_ennui
Thu Oct 29, 2020 9:44 am
Forum: Investing - Theory, News & General
Topic: is now a good time to go to cash in your portfolio?
Replies: 76
Views: 4958

Re: is now a good time to go to cash in your portfolio?

I decided a few months ago that I wanted a cash emergency fund of ~6months expenses. Previously I had just sort of considered my taxable accounts to be an emergency fund of sorts. I've been re-directing some of what normally would have been invested into taxable instead into a savings account. I'm n...
by case_of_ennui
Wed Oct 28, 2020 7:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20768
Views: 2836958

Re: U.S. stocks in free fall

tmcc wrote: Wed Oct 28, 2020 6:34 pm jeff gundlach is calling for a revolution by 2028

better cash out now
I'm no planetary scientist but I believe we'll have about 8 revolutions by 2028.
by case_of_ennui
Thu Oct 22, 2020 12:04 pm
Forum: Investing - Theory, News & General
Topic: VXUS sideways... why hold it?
Replies: 62
Views: 4310

Re: VXUS sideways... why hold it?

Seems like there should be a post to the Wiki or the forum to address the question that comes up about every other week, "Why hold International?" Staying the course is already covered in the wiki :wink: This is perhaps the most challenging part of Boglehead investing, but is essential to...
by case_of_ennui
Thu Oct 22, 2020 9:52 am
Forum: Investing - Theory, News & General
Topic: VXUS sideways... why hold it?
Replies: 62
Views: 4310

Re: VXUS sideways... why hold it?

Another one of these posts? There's like 3 a week!!
by case_of_ennui
Sat Oct 17, 2020 9:55 pm
Forum: Investing - Theory, News & General
Topic: If you invest in REITs, are you sticking with VNQ/VGSLX or getting selective
Replies: 47
Views: 6441

Re: If you invest in REITs, are you sticking with VNQ/VGSLX or getting selective

If you're considering a REIT fund, I encourage you to look at what the holdings are and where they own property. I decided to buy a diversified passive sample of individual REITs rather than a REIT index fund because (1) many of the top holdings are data centers and IMO likely to be highly correlat...
by case_of_ennui
Sat Oct 17, 2020 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 2071
Views: 497722

Re: Share your net worth progression

Single/unmarried, 32 living on the east coast. Income around $95k gross now, was making closer to $50k when I first started. I have a while to go but am starting to see things accelerate as pretty much all of my raises now can go straight to savings.


Image
by case_of_ennui
Sat Oct 17, 2020 2:01 pm
Forum: Investing - Theory, News & General
Topic: Dividend Only Investing Analyzed (latest ERN article)
Replies: 109
Views: 7335

Re: Dividend Only Investing Analyzed (latest ERN article)

I don't believe it's irrational, you could do far far worse. I just think there are better options. Past a certain point investing is personal :sharebeer
by case_of_ennui
Sat Oct 17, 2020 1:41 pm
Forum: Investing - Theory, News & General
Topic: Dividend Only Investing Analyzed (latest ERN article)
Replies: 109
Views: 7335

Re: Dividend Only Investing Analyzed (latest ERN article)

Hoops, but that's with you actively selecting which stocks you're invested in. You could have chosen Enron or GE...which for many people may have fit the criteria of "exactly the type of companies I would personally invest in" at some point. You've chosen those 24 stocks because of your cu...
by case_of_ennui
Sat Oct 17, 2020 12:12 pm
Forum: Investing - Theory, News & General
Topic: Anybody here trying Coast FIRE?
Replies: 317
Views: 26948

Re: Anybody here trying Coast FIRE?

Changing jobs to something that doesn't pay as well isn't always a choice, sometimes people get fired or laid off. I'm going for CoastFIRE in case I get laid off of my fairly niche job, can never find anything of similar compensation, and am forced to take a lower paying job (ie. retail). I hope tha...
by case_of_ennui
Sat Oct 17, 2020 11:32 am
Forum: Investing - Theory, News & General
Topic: Dividend Only Investing Analyzed (latest ERN article)
Replies: 109
Views: 7335

Re: Dividend Only Investing Analyzed (latest ERN article)

If you don't want to "eat your seed", dividends are the way to go. I still don't understand this line of thinking. Even if one is selling shares of a non-dividend paying growth stock to cover income, if the value of the remaining shares is growing each year how are you "eating the se...
by case_of_ennui
Thu Oct 15, 2020 8:23 pm
Forum: Investing - Theory, News & General
Topic: Seriously, what is going on with international?
Replies: 277
Views: 25916

Re: Seriously, what is going on with international?

000 wrote: Thu Oct 15, 2020 8:05 pm I already gave my specific reason and it was not recent returns. I'm not speculating on US vs international, I have come to accept that a modest home bias is rational due to same market pricing versus differing risk based on domicile.
Apologies I missed that. I appreciate the responses.
by case_of_ennui
Thu Oct 15, 2020 7:46 pm
Forum: Investing - Theory, News & General
Topic: Seriously, what is going on with international?
Replies: 277
Views: 25916

Re: Seriously, what is going on with international?

Yes, I should have stayed on my original course instead of listening to the finance theorists who post here. Anyway, I don't think one should stay the course when one realizes one is on a bad course. In life and investing, in my opinion it's best not to throw good money after bad. I'd rather accept...
by case_of_ennui
Thu Oct 15, 2020 6:56 pm
Forum: Investing - Theory, News & General
Topic: Seriously, what is going on with international?
Replies: 277
Views: 25916

Re: Seriously, what is going on with international?

When I started investing I went with 20% international per Bogle. Last year based on listening to the "experts" I went to around 40% with plans to possibly increase further. Clearly Bogle was right again. I think I'll go to around 25% and hopefully stay there. And what would Bogle have sa...
by case_of_ennui
Thu Oct 15, 2020 2:30 pm
Forum: Investing - Theory, News & General
Topic: The Wrong Way to Think About Debt - The White Coat Investor
Replies: 215
Views: 26373

Re: The Wrong Way to Think About Debt - The White Coat Investor

Another data point...I'm 32. I started contributing ~8 years ago or so. Half of my 401k balance is my contributions, 25% is employer contributions, and 25% is investment returns. For my IRA 72% of the balance is my contributions and 28% is returns.
by case_of_ennui
Wed Oct 14, 2020 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to quit high paying job for pension?
Replies: 53
Views: 4522

Re: Does it make sense to quit high paying job for pension?

I'm a contractor. If I went GOV I believe the pension formula for that particular branch is something like 1% of your average pay from your 3 highest earning years (not counting bonuses/OT/etc) multiplied by the number of years of service. So for example if I switched to GOV and worked with them for...
by case_of_ennui
Sun Oct 04, 2020 1:12 pm
Forum: Investing - Theory, News & General
Topic: Why not Real Estate instead of Stocks?
Replies: 189
Views: 13890

Re: Why not Real Estate instead of Stocks?

tomtoms wrote: Sun Oct 04, 2020 1:04 pm Rentals require more work but that is why you get better return than stocks.
Can any more experienced members than myself speak to how much of the better returns would be attributable to the extra work that goes into rentals vs how much is simply from using leverage?
by case_of_ennui
Fri Oct 02, 2020 3:09 pm
Forum: Investing - Theory, News & General
Topic: How long after starting investing, did you start to be happy about the power of compounding?
Replies: 186
Views: 20304

Re: How long after starting investing, did you start to be happy about the power of compounding?

They are differentiated by reinvesting, AKA compounding. If I have $100 invested in an equity returning 5%... After 1 year I have $100 in contributions and I get a 5% return on the $100 which is 5 bucks. My market gains are $5. I have $105 going into year 2. After the second year I still have the sa...
by case_of_ennui
Fri Oct 02, 2020 2:54 pm
Forum: Investing - Theory, News & General
Topic: How long after starting investing, did you start to be happy about the power of compounding?
Replies: 186
Views: 20304

Re: How long after starting investing, did you start to be happy about the power of compounding?

I'm 38, feel like I got serious around 26. Personally I have yet to notice the magic of compound interest, it feels like most of what I have is my contribution and market gains...but also the sum that I accumulated in the first few years was minimal. Most of what you have is your contribution and m...
by case_of_ennui
Fri Oct 02, 2020 1:51 pm
Forum: Investing - Theory, News & General
Topic: [President tests positive for COVID-19 - market impacts]
Replies: 157
Views: 15930

Re: [President tests positive for COVID-19 - market impacts]

Bogleheads: When I am unsure what to do, I ask Jack Bogle. “Your success in investing will depend in part on your character and guts, and in part on your ability at the height of ebullience and the depth of despair alike that this too shall pass.” Best wishes. Taylor I like this. In all other aspec...
by case_of_ennui
Fri Oct 02, 2020 11:50 am
Forum: Investing - Theory, News & General
Topic: [President tests positive for COVID-19 - market impacts]
Replies: 157
Views: 15930

Re: [President tests positive for COVID-19 - market impacts]

I have a feeling we will see more of a pullback next week. That being said, feelings mean nothing. My only market timing is investing in some buttery popcorn to enjoy as events unfold.
by case_of_ennui
Mon Sep 28, 2020 3:16 pm
Forum: Investing - Theory, News & General
Topic: In which companies do you own a single share, or token amount, of stock?
Replies: 119
Views: 9924

Re: In which companies do you own a single share, or token amount, of stock?

I didn't know about the BRK.B Geico discount. I'm a single shareholder as of today. The discount will pay for that share in a year or two. As I posted in April 2019, it's likely the same discount could be available without a share purchase. Even if they did actually check. Yeah I just called them a...
by case_of_ennui
Mon Sep 28, 2020 2:51 pm
Forum: Investing - Theory, News & General
Topic: In which companies do you own a single share, or token amount, of stock?
Replies: 119
Views: 9924

Re: In which companies do you own a single share, or token amount, of stock?

I didn't know about the BRK.B Geico discount. I'm a single shareholder as of today. The discount will pay for that share in a year or two.
by case_of_ennui
Thu Sep 24, 2020 10:11 am
Forum: Investing - Theory, News & General
Topic: What did your accounts look like in your 30's?
Replies: 89
Views: 7987

Re: What did your accounts look like in your 30's?

I'm in my early thirties, started working a bit late at 24. NW is around 200k. I definitely could have done a better job saving in my 20s, but thankfully I at least took a "set it and forget it" mentality. Contributed about 7% or so to the 401k + 3% employee match and maxed ROTH contributi...
by case_of_ennui
Wed Sep 23, 2020 2:53 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20768
Views: 2836958

Re: U.S. stocks in free fall

lostdog wrote: Wed Sep 23, 2020 2:38 pm I think VTSAX declares a dividend today also.
Indeed today is the record date

https://personal.vanguard.com/pdf/DIVDAT_092020.pdf
by case_of_ennui
Tue Sep 22, 2020 10:12 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20768
Views: 2836958

Re: U.S. stocks in free fall

Good week to have a 401k contribution scheduled!
by case_of_ennui
Sat Sep 19, 2020 2:19 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20768
Views: 2836958

Re: U.S. stocks in free fall

There goes August's returns. Will July be next? I think it's possible. And June's returns too. Or it'll go up. Or stay flat. Unless folks get their time machine wish, the only thing I'm certain of is that the pretty line on the S&P chart will continue to move towards the right and not to the le...
by case_of_ennui
Fri Sep 04, 2020 10:41 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20768
Views: 2836958

Re: U.S. stocks in free fall

A sizeable portion of the new jobs created are temporary Census workers hired by US Gov. https://www.bls.gov/news.release/empsit.nr0.htm Employment in government increased by 344,000 in August, accounting for one-fourth of the over- the-month gain in total nonfarm employment. A job gain in federal g...
by case_of_ennui
Thu Sep 03, 2020 9:42 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20768
Views: 2836958

Re: U.S. stocks in free fall

I have some popcorn to make later while I enjoy the roller-coaster ride.
by case_of_ennui
Wed Sep 02, 2020 11:00 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20768
Views: 2836958

Re: U.S. stocks in free fall

EnjoyIt wrote: Wed Sep 02, 2020 10:53 am sigh...so I don't belong in the free fall or soaring thread :)
No that just means you get to be in both!
by case_of_ennui
Mon Aug 31, 2020 9:06 am
Forum: Investing - Theory, News & General
Topic: Vanguard seems to have web online sign on problem
Replies: 145
Views: 6753

Re: Vanguard seems to have web online sign on problem

I hear there are a number of brokers having issues this AM.
by case_of_ennui
Sun Aug 30, 2020 10:44 am
Forum: Investing - Theory, News & General
Topic: If I fear inflation, should I overweight international stocks/gold?
Replies: 32
Views: 2718

Re: Can we get Stagflation Like In the 70s again?

Unfortunately many of us took a few high school or entry level college economics classes where we talked about some high level principles and maybe plugged some numbers into equations that made it appear the economy could be modeled in a simple way. None of that is true, in large part because there...
by case_of_ennui
Wed Aug 26, 2020 9:37 pm
Forum: Investing - Theory, News & General
Topic: Can we talk about the future of oil?
Replies: 72
Views: 4969

Re: Can we talk about the future of oil?

This is an interesting read https://www.eia.gov/energyexplained/oil-and-petroleum-products/use-of-oil.php The US Energy Information Administration projects that liquid fuels will make up 35% of total US energy consumption in 2050 compared with 37% in 2019. Also some stats about what % of petroleum i...
by case_of_ennui
Tue Aug 18, 2020 1:44 pm
Forum: Personal Investments
Topic: Help a beginner clean up his portfolio
Replies: 6
Views: 678

Re: Help a beginner clean up his portfolio

Ruralavalon, thank you! :sharebeer I have read through your post and there is a lot to go through here. I'll need to re-read through your response a few times and go through the links you provided to absorb everything. That was extremely helpful. To answer the questions you asked. Does your employer...
by case_of_ennui
Tue Aug 18, 2020 10:54 am
Forum: Personal Investments
Topic: Help a beginner clean up his portfolio
Replies: 6
Views: 678

Re: Help a beginner clean up his portfolio

Thank you for the feedback. I am looking to implement a 3-fund portfolio (4 I guess with a REIT holding) which is why my plan is to exchange the target date and actively managed funds. For my my target asset allocation...I was under the impression with a while to go before retirement I could afford ...
by case_of_ennui
Mon Aug 17, 2020 5:51 pm
Forum: Personal Investments
Topic: Help a beginner clean up his portfolio
Replies: 6
Views: 678

Help a beginner clean up his portfolio

Hello Bogleheads! I found this forum via another very popular website/forum and have been lurking here for a week or so reading just about every post. The goal of this post is to humbly request some help from others in cleaning up my portfolio. I really didn't know what I was doing when I first star...