Search found 4882 matches

by stemikger
Thu Mar 28, 2019 9:01 pm
Forum: Personal Investments
Topic: Allocation for Those Late to the Party
Replies: 76
Views: 3836

Re: Allocation for Those Late to the Party

Newly minted Boglehead here. Just got converted today. (Thanks to Taylor: The Bogleheads' Guide to the Three-Fund Portfolio) Here's my issue: I am 54, have 10k in an IRA — that's it, unfortunately. So. . . I need to play catchup. If I allocate 54% in bonds, I fear I'll never make any headway. If I ...
by stemikger
Thu Mar 28, 2019 3:37 pm
Forum: Personal Consumer Issues
Topic: Tattoos and Bogleheads
Replies: 180
Views: 9926

Re: Tattoos and Bogleheads

I was never cool enough to get a tatoo. Now everyone has them and its more anti-mainstream to not have one - LOL Neither was I which is why I got Mickey Mouse and a cute little Parrot. Most of my friends at that time were getting really macho and evil looking stuff which of course they regretted. I...
by stemikger
Thu Mar 28, 2019 3:32 pm
Forum: Personal Consumer Issues
Topic: Tattoos and Bogleheads
Replies: 180
Views: 9926

Re: Tattoos and Bogleheads

I often wonder whether folks later regret getting tattoos. Will the now very attractive, 21 year old young woman with large tattoo on her shoulder, back, etc. feel the same when she is 41 or 51? I know a lot of people that get their first tattoo in their 50s. I don't think getting older should be a...
by stemikger
Wed Mar 27, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: Tattoos and Bogleheads
Replies: 180
Views: 9926

Re: Tattoos and Bogleheads

I have two. I never regretted either one of them. One is the parrot from The Enchanted Tikki Room in Disney World... Out of curiosity, what special meaning does a parrot from the Enchanted Tikki Room at Disney World hold for you? It was my first trip to Disney World and it reminds me of spending ti...
by stemikger
Tue Mar 26, 2019 10:10 pm
Forum: Investing - Theory, News & General
Topic: Why take the risk with equities?
Replies: 122
Views: 8780

Re: Why take the risk with equities?

As Jack Bogle said you are going to have a very long and hard investing lifetime.
by stemikger
Tue Mar 26, 2019 9:56 pm
Forum: Personal Investments
Topic: 60/40 now or closer to retirement?
Replies: 32
Views: 3998

Re: 60/40 now or closer to retirement?

I plan on working ten more years and I'm 60/40 and plan to stay there for life. The main thing is it helps me ignore the crazy market fluctuations and it still grows nicely when stocks rise. I hold the Vanguard Balanced Index Fund and it stays at a constant 60/40. IMHO investing doesn't get much bet...
by stemikger
Tue Mar 26, 2019 9:39 pm
Forum: Personal Consumer Issues
Topic: Tattoos and Bogleheads
Replies: 180
Views: 9926

Re: Tattoos and Bogleheads

I have two. I never regretted either one of them. My first I got when I was 17 and my last I got when I was 45. I also had the one I got when I was 17 recolored. I'm 55 now and still no regrets. I think the people who have regrets get things that don't fit who they are any longer. I have a friend wh...
by stemikger
Tue Mar 26, 2019 9:30 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Advice - Evaluated with Actual Returns from His Company's 401K
Replies: 101
Views: 14066

Re: Dave Ramsey's Advice - Evaluated with Actual Returns from His Company's 401K

I like listening to the Dave Ramsey show for all the success stories. I do also like Dave at times and if he likes managed funds, so be it. Where I take issue with Dave is when he becomes bully Dave. It is not all the time, but often enough to make me scratch my head. There are times Dave has really...
by stemikger
Sat Mar 16, 2019 1:28 pm
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 817
Views: 100683

Re: That's enough for me in 2019

:oops: Noise thread on bogleheads.org. Time in the market is better than timing the market. Good luck market timers. +1000 Don't let Jack's work be in vain. Market timing doesn't work. Stick with an AA and stop looking at the silly stock market. the stock market is a giant distraction to the busine...
by stemikger
Fri Mar 15, 2019 9:25 pm
Forum: Personal Consumer Issues
Topic: Peanut Butter recommendations
Replies: 84
Views: 6865

Re: Peanut Butter recommendations

I love Jif, Peter Pan and Skippy. I do not like the reduced fat Skippy at all.

I eat Peanut Butter on a daily basis and I prefer creamy over crunchy.
by stemikger
Fri Mar 15, 2019 9:14 pm
Forum: Personal Investments
Topic: The case for 100% equities
Replies: 199
Views: 14147

Re: The case for 100% equities

I could be wrong (and please forgive me if I am) but I have your name pegged as one that posts emotionally during declines in the market price of equities. If this is correct, please, for your own sake, do not tinker and keep your AA. Overthinking, especially as someone visibly impacted during vola...
by stemikger
Fri Mar 15, 2019 8:57 pm
Forum: Personal Investments
Topic: What role do bonds play in your portfolio?
Replies: 79
Views: 6566

Re: What role do bonds play in your portfolio?

My thoughts were always to hold a balance between stocks and bonds with an understanding that bonds would offer a smoother ride and stocks will give me enough growth to outpace inflation. I own one fund which is the Vanguard Balanced Index Fund and to help me stay the course, I asked Jack himself an...
by stemikger
Sat Mar 02, 2019 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: BH could you live off your SS benefit?
Replies: 141
Views: 7962

Re: BH could you live off your SS benefit?

I remember an interview with Jack Bogle talking to the Motley Fool and he said he waited to take social security at 70 and he could practically live off of what he gets. He also said his wife didn't want to take it at all.
by stemikger
Sun Feb 24, 2019 10:25 am
Forum: Investing - Theory, News & General
Topic: "You're More Internationally Diversified Than You (Probably) Realize"
Replies: 139
Views: 10897

Re: "You're More Internationally Diversified Than You (Probably) Realize"

Question: If a Total U.S. Stock Market Index Fund ALREADY holds the equivalent of 40% in international stocks, Why bother holding a separate international fund? I don't bother - works for me! :beer Me too! I took Jack's advice years ago and now I have my entire 401k balance in the Vanguard Balanced...
by stemikger
Mon Feb 18, 2019 10:31 am
Forum: Investing - Theory, News & General
Topic: Did you get spooked by the December 2018 fall and gave up on passive?
Replies: 133
Views: 8835

Re: Did you get spooked by the December 2018 fall and gave up on passive?

If you were 50/50 - you had a moderate but on the conservative side AA. Ignore the macro and focus on the micro. The micro are the underlying businesses you own in the total stock market. Over time they create value and that is all you need to know. Stop listening to all the experts and stick with a...
by stemikger
Thu Feb 14, 2019 10:59 pm
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 325
Views: 34634

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

Posts like this make me feel so dumb!!! : (

Thank God for Jack and Vanguard's products, I don't have to understand this stuff.
by stemikger
Tue Feb 12, 2019 4:11 pm
Forum: Personal Investments
Topic: Why international?
Replies: 144
Views: 11453

Re: Why international?

I like what Jack has to say about this subject in this video:

https://www.youtube.com/watch?v=hvgptl5-Kcc
by stemikger
Thu Feb 07, 2019 6:27 pm
Forum: Personal Investments
Topic: VWELX, VWINX, or VBIAX ?
Replies: 20
Views: 3020

Re: VWELX, VWINX, or VBIAX ?

I'm all in with the balanced index fund. It is all indexed, low cost and an excellent long-term track record. It's almost like the couch potato portfolio all in one fund. Its static AA of 60/40 is perfect for the moderate investor who wants returns and a smoother ride. John Bogle was recommending th...
by stemikger
Sun Feb 03, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: What would your housing preference be with 4 kids?
Replies: 41
Views: 3181

Re: What would your housing preference be with 4 kids?

My wife is one of four (all close in age). She always said the best times of her life was when the lived in a small Brooklyn Apartment. She doesn't have the same memories when they moved to a big home. She still misses that tiny apartment. The size of the home is not what matters to kids, it's how f...
by stemikger
Fri Feb 01, 2019 5:59 pm
Forum: Personal Investments
Topic: We won the game, went to 50/50, but it just doesn't feel right
Replies: 108
Views: 12560

Re: We won the game, went to 50/50, but it just doesn't feel right

You could always do the bucket approach and have part of your portfolio more aggressive. Just a thought.
by stemikger
Thu Jan 31, 2019 9:55 pm
Forum: Personal Consumer Issues
Topic: What is the best all-inclusive resort you have ever visited?
Replies: 79
Views: 13952

Re: What is the best all-inclusive resort you have ever visited?

I love the Woodloch Pines Resort in Hawley, PA. It is expensive, but really nice. It always wins top resort in Forbes Magazine every year. However, I get it for free because my brother-in-law owns a time share there.
by stemikger
Wed Jan 23, 2019 11:14 am
Forum: Personal Investments
Topic: Marketwatch - If everyone invested like John Bogle, markets couldn’t work right
Replies: 54
Views: 3741

Re: Marketwatch - If everyone invested like John Bogle, markets couldn’t work right

I don't think any of us alive today have to worry about this scenario.
by stemikger
Tue Jan 22, 2019 10:57 pm
Forum: Personal Investments
Topic: Investing in only 3 target funds just seems.... strange.
Replies: 13
Views: 1675

Re: Investing in only 3 target funds just seems.... strange.

Always choose simplicity. Jack has taught this his entire life, don't let him down. He devoted his life up until his last days with his message so all our lives could be easier not harder when it comes to investing. I for one might be one of those who took it to the extreme, but it is what keeps me ...
by stemikger
Mon Jan 21, 2019 3:09 pm
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 158
Views: 17725

Re: Tributes to Jack Bogle

His quotes are so well know, like Stay the Course and Press on Regardless. Those two are my personal favorites. Below is what I read when I feel my self straying from said course. The simplest of all approaches is to invest solely in a single balanced market index fund -- just one fund. And it works...
by stemikger
Mon Dec 24, 2018 8:21 am
Forum: Non-US Investing
Topic: Asset allocation
Replies: 13
Views: 1567

Re: Asset allocation

I think it is fine. 60/40 is the sweet spot for many. Mine too!! Oh and it has Jack Bogle's blessing also!!
by stemikger
Sun Dec 23, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: "Masters in Counseling" vs. "Masters in Social Work" (Massachusetts)
Replies: 21
Views: 2081

Re: "Masters in Counseling" vs. "Masters in Social Work" (Massachusetts)

My daughter wants to go to grad school to become a therapist, and she's explaining to me that she has two degree options: Masters in Counseling and Masters in Social Work. We live in Massachusetts, and she wants to live and work here after graduation. She is leaning toward the Masters in Counseling...
by stemikger
Sun Dec 23, 2018 11:04 am
Forum: Personal Investments
Topic: Current allocation is 100% stocks- any good reason to change?
Replies: 71
Views: 6105

Re: Current allocation is 100% stocks- any good reason to change?

I didn't read the other replies yet, but adding 10% in bonds will not be a deal breaker and maybe help you sleep better. After 25 years of investing for retirement, it took me a long time to stop second guessing myself and pick an AA and stay with it. For what it's worth John Bogle has said never al...
by stemikger
Sat Dec 22, 2018 6:33 pm
Forum: Personal Investments
Topic: suggest 50/50 portfolio
Replies: 24
Views: 3813

Re: suggest 50/50 portfolio

I'm 53 and will turn 54 in June and I'm all in the Vanguard Balanced Index Fund for life. Don't even have to look at it during these trying times because Vanguard does the rebalancing for me.
by stemikger
Sat Dec 22, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 185
Views: 16009

Re: All the "should I be 100% stocks" threads over the last year.

If you are inclined to be 100% stocks the market dropping should not matter. Having said that, there are some people who should not invest in stocks because they can't handle the volatility. However, if you are a real investor and don't care about what happens in the short term, you will be rewarded...
by stemikger
Fri Dec 21, 2018 7:55 pm
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 10713

Re: When did the musicians on the titanic realize their fate?

I'm proud that I let myself learn and now consider myself a seasoned index investor which is why I have the proper temperament and asset allocation in place to just sit back and ignore the ups and downs of the market. If it ever gets as bad as you alluded to, it will not matter if you have stocks or...
by stemikger
Wed Dec 19, 2018 6:51 pm
Forum: Investing - Theory, News & General
Topic: Why did you decide to change your asset allocation?
Replies: 45
Views: 2247

Re: Why did you decide to change your asset allocation?

I jumped around for a while and finally got sick of doing that, it was driving me crazy. I settled for the one fund portfolio and put it all in the Vanguard Balanced Index Fund. The main reason I went that route because my wife doesn't really show any interest in this stuff and if I predecease her, ...
by stemikger
Sat Dec 15, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 190
Views: 15382

Re: OBAMACARE RULED ILLEGAL BY TEXAS COURT

This is unfortunate I know several people that use Obamacare in New York and they like it. I believe there is a big push in New York to move to single payer also.
by stemikger
Wed Nov 28, 2018 12:19 am
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 241
Views: 23411

Re: What is your allocation to U.S. and International?

Balanced Index Fund
0% international
by stemikger
Sat Nov 17, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 82
Views: 8920

Re: Do I need an Amazon Echo??.....

QVC is selling the full size Amazon Echo for $74.95 and free shipping. That's an amazing price but do I need one? The short answer is no, but here is what I have experienced. I have 3 in my house and the more you use it, the more you realize what a great addition to your house it is. Just for the m...
by stemikger
Sat Nov 17, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 245
Views: 16949

Re: If riskier than US, why doesn't international outperform?

I guess Jack was onto something. I don't hold international, however, I advised my 23 year old daughter to simply put it all the Vanguard Target Date Fund which was one of her 401k options. She has many years to invest, so I don't know what the future will look like that far out, so for her I think ...
by stemikger
Wed Nov 14, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: why so few 50/50 balanced funds?
Replies: 21
Views: 3187

Re: why so few 50/50 balanced funds?

The difference between 60/40 and 50/50 doesn't amount to a hill of beans Not in this crazy world. It may be a huge psychological difference, but having 10% more in stocks in your portfolio will not make a difference in returns if you are a long term investor. Now if you said you want to hold 90/10 ...
by stemikger
Wed Nov 14, 2018 6:03 pm
Forum: Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 132
Views: 23016

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

If there is one message I want you to listen to it's this. I said STAY THE COURSE thousands of times and I meant it every time. ~ John Bogle
by stemikger
Wed Nov 14, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: why so few 50/50 balanced funds?
Replies: 21
Views: 3187

Re: why so few 50/50 balanced funds?

The difference between 60/40 and 50/50 doesn't amount to a hill of beans Not in this crazy world. It may be a huge psychological difference, but having 10% more in stocks in your portfolio will not make a difference in returns if you are a long term investor. Now if you said you want to hold 90/10 ...
by stemikger
Wed Nov 14, 2018 3:20 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 8201

Re: Are you all staying the course?

Yep. Haven't even looked at my one fund portfolio. All in the balanced index.
by stemikger
Tue Nov 13, 2018 12:15 am
Forum: Personal Finance (Not Investing)
Topic: why so few 50/50 balanced funds?
Replies: 21
Views: 3187

Re: why so few 50/50 balanced funds?

The difference between 60/40 and 50/50 doesn't amount to a hill of beans
by stemikger
Mon Nov 12, 2018 3:15 pm
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 9185

Re: What's everyone currently in?

All in the vanguard balanced index fund. I didn't change a thing nor should I.
by stemikger
Sun Nov 11, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: SWAN ETF - 10% Leaps / 90% Treasuries
Replies: 42
Views: 5070

Re: SWAN ETF - 10% Leaps / 90% Treasuries

This breaks one of the main golden rules of being a Bogehead which IMHO is Simplicity!

Forget all this and find an AA you can live with and stick with it through thick and thin!! That's as much as a SWAN portfolio you are going to get.
by stemikger
Fri Nov 09, 2018 12:15 am
Forum: Investing - Theory, News & General
Topic: Stock markets not at all time highs
Replies: 19
Views: 2696

Re: Stock markets not at all time highs

All in the balanced index. All U.S. and rebalances without me
by stemikger
Sun Nov 04, 2018 10:03 am
Forum: Investing - Theory, News & General
Topic: Brett Arends: Here's a simple way to beat a bear market
Replies: 38
Views: 5543

Re: Brett Arends: Here's a simple way to beat a bear market

Better strategy: "sell down to your sleeping point" and stay there . If you have just discovered that your stock allocation is too high for your risk tolerance, then cut your stock allocation. But now that you know what your risk tolerance really is, don't go back to having more risk than you can t...
by stemikger
Mon Oct 29, 2018 8:50 pm
Forum: Investing - Theory, News & General
Topic: 401k down 8% this month
Replies: 58
Views: 7211

Re: 401k down 8% this month

I know a lot of people don't like Jack's advice, but it works for me.

Don't Peek!

And another classic: Stop looking at the Silly Stock Market. It's a distraction to the business of Investing.
by stemikger
Wed Oct 24, 2018 10:27 pm
Forum: Personal Investments
Topic: Reaction to Market
Replies: 71
Views: 8121

Re: Reaction to Market

It was a non-event. I didn't even look at my portfolio yet.

I'm all in the balanced index fund, so I let Vanguard do all the heavy lifting and rebalance to 60/40. Didn't even have to get off the couch.
by stemikger
Wed Oct 24, 2018 2:19 pm
Forum: Investing - Theory, News & General
Topic: Changing to higher equities allocation during a major crash?
Replies: 26
Views: 2832

Re: Changing to higher equities allocation during a major crash?

With my entire portfolio in the balanced index fund I never have to worry. I'll always be
60/40. I sleep through corrections.
by stemikger
Mon Oct 15, 2018 10:57 am
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 2018 VIDEOS
Replies: 22
Views: 4211

Re: BOGLEHEADS 2018 VIDEOS

Thank you for sharing this with us!
by stemikger
Tue Oct 09, 2018 4:53 pm
Forum: Investing - Theory, News & General
Topic: You know you’re a Boglehead when. . .
Replies: 44
Views: 5606

Re: You know you’re a Boglehead when. . .

I just had to put this recent event that happened to me in my life. After 23 years at the same company, they outsourced several departments (including mine). The good news is I was hired by the outsourcing firm, but in 6 months will get a salary cut which I can live with. While most of my co-worker...