Search found 4651 matches

by stemikger
Sun Apr 22, 2018 8:23 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8052

Re: Boglehead Philosophy Open To Change?

IMO that’s the beauty of the boglehead philosophy...you don’t have to worry what the next trend will be. +1 Without reading any of the other replies except this one, this is the first thing that came to mind. Buying an index fund and going to sleep is such a great way to invest and live your life. ...
by stemikger
Sat Apr 21, 2018 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Want to be 100% in stock index funds ,
Replies: 31
Views: 2737

Re: Want to be 100% in stock index funds ,

Posted by Taylor Larimore
You will sleep like a baby.
I agree with Taylor except for the line above. Sleeping like a baby is no bargain. They are laying in a wet diaper or worse, their gums hurt and most likely have bad gas.
by stemikger
Sat Apr 21, 2018 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Want to be 100% in stock index funds ,
Replies: 31
Views: 2737

Re: Want to be 100% in stock index funds ,

Warren Buffett's advice is hold enough in cash (treasuries) to be secure and put the rest in stock index, so if things go down for five years or so, you can don't have to take your withdrawals from stocks until they come back up. So, your thinking is in line with the greatest investor on earth. Howe...
by stemikger
Fri Apr 20, 2018 3:38 pm
Forum: Investing - Theory, News & General
Topic: Interesting S & P 500 facts
Replies: 9
Views: 1747

Re: Interesting S & P 500 facts

I think this is an interesting fact about the S&P 500: it is about 99% US, 1% international. Not 100% US. It doesn't actually matter; inclusion is based on being listed on a US stock exchange; and the "international" companies are in many cases former US companies that moved their legal domiciles o...
by stemikger
Tue Apr 17, 2018 6:00 pm
Forum: Investing - Theory, News & General
Topic: How Warren Buffett Won His Multi-Million Dollar Long Bet
Replies: 27
Views: 3390

Re: How Warren Buffett Won His Multi-Million Dollar Long Bet

You can't bet against John Bogle and Warren Buffett and win. But even here, many do. Not I!
by stemikger
Sun Apr 15, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Can't afford health insurance -- options?
Replies: 23
Views: 2516

Re: Can't afford health insurance -- options?

In New York, under the ACA, he would be eligible for Medicaid at his salary. Check the State where you live.
by stemikger
Sat Apr 14, 2018 12:07 am
Forum: Investing - Help with Personal Investments
Topic: Is an 80/20 Asset Allocation Appropriate?
Replies: 20
Views: 2342

Re: Is an 80/20 Asset Allocation Appropriate?

Asset Allocation is very personal. What is right for you may not be right for others. Having said that, I'm 54 and my wife is 58 and we are 65/35. I rather be a little more conservative and sleep better.

I personally think 80/20 is a better AA for someone on the younger side.
by stemikger
Thu Apr 12, 2018 1:48 am
Forum: Investing - Help with Personal Investments
Topic: Ray Dalio - All-weather - which Vanguard EFTs to invest?
Replies: 20
Views: 2334

Re: Ray Dalio - All-weather - which Vanguard EFTs to invest?

For the record, Jack Bogle and Warren Buffett don't look at Gold as an investment. Stick with stocks and bonds and adjust your AA accordingly. If you are looking at the All Weather, you must be on the conservative side. So maybe 40/60? Just a thought. IMHO no need to complicate the process. It is a...
by stemikger
Thu Apr 12, 2018 12:52 am
Forum: Personal Consumer Issues
Topic: Need vacuum recomendations
Replies: 21
Views: 1331

Re: Need vacuum recomendations

Nothing but the old school Oreck for me. Luckily you can still buy them on Amazon. This vacuum does not have attachments, but is light and can easily slide under the bed and light enough to do stairs without the attachment. I own the commercial version of the one they used to sell on television. It ...
by stemikger
Wed Apr 11, 2018 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Ray Dalio - All-weather - which Vanguard EFTs to invest?
Replies: 20
Views: 2334

Re: Ray Dalio - All-weather - which Vanguard EFTs to invest?

For the record, Jack Bogle and Warren Buffett don't look at Gold as an investment. Stick with stocks and bonds and adjust your AA accordingly. If you are looking at the All Weather, you must be on the conservative side. So maybe 40/60? Just a thought. IMHO no need to complicate the process.
by stemikger
Wed Apr 11, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Why traditional IRA better than Roth IRA
Replies: 87
Views: 6766

Re: Why traditional IRA better than Roth IRA

I'm curious to see the replies. I honestly never heard this, but if this is the case, will this change in the future? I am in a TIRA, so it's good news for me.
by stemikger
Wed Apr 11, 2018 3:51 pm
Forum: Investing - Theory, News & General
Topic: Why not annuitize most of portfolio?
Replies: 104
Views: 8036

Re: Why not annuitize most of portfolio?

The best annuity I know is social security. Take it later.
by stemikger
Mon Apr 09, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 11364

Re: What is your AA, given your age? and, Why?

I turn 54 this June, my wife is 58 1. 401K is the bulk of my savings. 65/35 Vanguard Institutional Index Fund and Blackrock U.S. Debt Index Fund 2. I hold a small amount in my TIRA all in the Vanguard Balanced Index Fund (I look at this as a holding place for when I retire) 3. Upon retirement, it al...
by stemikger
Mon Apr 09, 2018 9:26 am
Forum: Investing - Help with Personal Investments
Topic: If you want an actively managed fund, which one would you use?
Replies: 68
Views: 4055

Re: If you want an actively managed fund, which one would you use?

Either one of these funds will be my active choice

Wellington Fund or
Dodge & Cox Balanced
by stemikger
Sun Apr 08, 2018 10:03 am
Forum: Investing - Theory, News & General
Topic: Bogle on stock turbulence: ‘never seen a market this volatile to this extent in my career’
Replies: 88
Views: 12310

Re: Bogle on stock turbulence: ‘never seen a market this volatile to this extent in my career’

Even if Mr. Bogle is right (nice graphic above showing he is not) who cares? IF (a big IF) one has developed an appropriate asset allocation then who cares about short term volatility. The ONLY folks who this matters to are those who have NOT developed a sound asset allocation to their risk level. ...
by stemikger
Sun Apr 08, 2018 9:05 am
Forum: Investing - Theory, News & General
Topic: Bogle on stock turbulence: ‘never seen a market this volatile to this extent in my career’
Replies: 88
Views: 12310

Re: Bogle on stock turbulence: ‘never seen a market this volatile to this extent in my career’

Even if Mr. Bogle is right (nice graphic above showing he is not) who cares? IF (a big IF) one has developed an appropriate asset allocation then who cares about short term volatility. The ONLY folks who this matters to are those who have NOT developed a sound asset allocation to their risk level. ...
by stemikger
Sat Apr 07, 2018 6:23 am
Forum: Investing - Theory, News & General
Topic: Bogle on stock turbulence: ‘never seen a market this volatile to this extent in my career’
Replies: 88
Views: 12310

Re: Bogle on stock turbulence: ‘never seen a market this volatile to this extent in my career’

Even if Mr. Bogle is right (nice graphic above showing he is not) who cares? IF (a big IF) one has developed an appropriate asset allocation then who cares about short term volatility. The ONLY folks who this matters to are those who have NOT developed a sound asset allocation to their risk level. ...
by stemikger
Sat Apr 07, 2018 6:13 am
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 39
Views: 3910

Re: Who uses the 3 fund portfolio ?

Although Jack Bogle and Taylor Larimore don't endorse sophisticated strategies, they are so smart they practice simplicity. Taylor Larimore has a book coming out on the 3 fund portfolio and Jack just updated his Little Book on Common Sense Investing (10th Anniversary edition). In this updated book, ...
by stemikger
Fri Apr 06, 2018 5:02 pm
Forum: Investing - Theory, News & General
Topic: The "American companies I invest in already have international exposure" argument --- valid or not?
Replies: 139
Views: 10073

Re: The "American companies I invest in already have international exposure" argument --- valid or not?

A 1993 book is one thing. Which current Vanguard offerings in the indexed international space existed in 1993? As far as I can tell, none. The Emerging Markets fund began in 1994. Why should the same advice apply today if the reasons are no longer valid? What has changed? Other then they now offer ...
by stemikger
Fri Apr 06, 2018 2:21 pm
Forum: Investing - Theory, News & General
Topic: The "American companies I invest in already have international exposure" argument --- valid or not?
Replies: 139
Views: 10073

Re: The "American companies I invest in already have international exposure" argument --- valid or not?

A 1993 book is one thing. Which current Vanguard offerings in the indexed international space existed in 1993? As far as I can tell, none. The Emerging Markets fund began in 1994. Why should the same advice apply today if the reasons are no longer valid? He just updated his Little Book of Common Se...
by stemikger
Fri Apr 06, 2018 9:22 am
Forum: Investing - Theory, News & General
Topic: The "American companies I invest in already have international exposure" argument --- valid or not?
Replies: 139
Views: 10073

Re: The "American companies I invest in already have international exposure" argument --- valid or not?

Posted by Noobvesto r But OK: if you're far enough along in your saving and investing career that you can afford a few decades of flat returns, then you're probably right - it won't break you if that scenario materializes. But then you're just making a case for an outlier portfolio that doesn't nee...
by stemikger
Wed Apr 04, 2018 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: How do Bogleheads Take Advantage of Dips When Fully Invested?
Replies: 55
Views: 7015

Re: How do Bogleheads Take Advantage of Dips When Fully Invested?

Grt2bOutdoors wrote:
Tue Apr 03, 2018 6:29 pm
Fully invested- sell bonds, buy equities. Rinse and repeat. Still fully invested.
+1

Yep, me too. It enables you to have a life and sleep at night!
by stemikger
Wed Apr 04, 2018 5:09 pm
Forum: Investing - Theory, News & General
Topic: The "American companies I invest in already have international exposure" argument --- valid or not?
Replies: 139
Views: 10073

Re: The "American companies I invest in already have international exposure" argument --- valid or not?

Posted by Noobvestor Doesn't make sense to me. Because you made the decision a long time ago, you just stick with it? I guess in hindsight that's probably worked out for you, but will it going forward? Do you consider new bonds (e.g. TIPS) when they come out, or just stick with the same fund at all...
by stemikger
Tue Apr 03, 2018 11:51 pm
Forum: Investing - Theory, News & General
Topic: The "American companies I invest in already have international exposure" argument --- valid or not?
Replies: 139
Views: 10073

Re: The "American companies I invest in already have international exposure" argument --- valid or not?

I drank the international cool aid a while ago but it really hasn't seemed to have helped much. It did help today. Seems like the US and international markets are pretty highly correlated. +1 This says a lot. I think that is what kind of happened to me but in the reverse. When I first started visit...
by stemikger
Tue Apr 03, 2018 6:16 pm
Forum: Investing - Theory, News & General
Topic: The "American companies I invest in already have international exposure" argument --- valid or not?
Replies: 139
Views: 10073

Re: The "American companies I invest in already have international exposure" argument --- valid or not?

I drank the international cool aid a while ago but it really hasn't seemed to have helped much. It did help today. Seems like the US and international markets are pretty highly correlated. +1 This says a lot. I think that is what kind of happened to me but in the reverse. When I first started visit...
by stemikger
Mon Apr 02, 2018 6:17 am
Forum: Personal Consumer Issues
Topic: Keeping car for 4-5 years: Buy or lease?
Replies: 20
Views: 3002

Re: Keeping car for 4-5 years: Buy or lease?

Why are you only considering owning a new car for that short a time. IMHO, that is the real question. For what it's worth. I buy an affordable compact car and keep it for a minimum of 10 years and possibly more. I never lease and only buy. I usually buy the car outright and for the next decade save ...
by stemikger
Sun Apr 01, 2018 5:41 pm
Forum: Investing - Theory, News & General
Topic: Do you invest in Real Estate ? Why ?
Replies: 25
Views: 2107

Re: Do you invest in Real Estate ? Why ?

No, I have no desire to be a landlord. If someone fell on hard times, I wouldn't have the heart to tell them to leave, therefore, i would make a terrible landlord and it will become a losing business proposition. I also am not handy and would have to rely on others to fix things that break. I would ...
by stemikger
Sun Apr 01, 2018 6:53 am
Forum: Investing - Theory, News & General
Topic: The "American companies I invest in already have international exposure" argument --- valid or not?
Replies: 139
Views: 10073

Re: The "American companies I invest in already have international exposure" argument --- valid or not?

One rough observation: over the period when Total Stock and Total International have both existed, their monthly correlation has been 0.85%. I think it's reasonable to interpret this as meaning that about 85% of your Total International allocation is not actually doing anything different from your ...
by stemikger
Fri Mar 30, 2018 12:04 am
Forum: Investing - Help with Personal Investments
Topic: Co-worker told me 401k/403b is a bad idea.
Replies: 52
Views: 5715

Re: Co-worker told me 401k/403b is a bad idea.

If I get to a point where my 401k RMD's push me into a higher tax bracket, I'll happily deal with that problem. For most people, this will never be an issue. It's like worrying about the property taxes on the mansion I can't afford. Beware of people like this. This is a first world problem and a ne...
by stemikger
Thu Mar 29, 2018 10:45 pm
Forum: Investing - Theory, News & General
Topic: Is 100% VTSAX (+ bonds) the best portfolio?
Replies: 14
Views: 1543

Re: Is 100% VTSAX (+ bonds) the best portfolio?

As soon as you start muttering about "best" you will be irretrievably lost. A better question to ask is 100% VTSAX (+bonds) good enough. The answer to that is yes, maybe, and no, depending on what you are trying to do. Normally there are lots and lots of other choices that are also good enough if t...
by stemikger
Thu Mar 29, 2018 6:01 pm
Forum: Investing - Theory, News & General
Topic: Is 100% VTSAX (+ bonds) the best portfolio?
Replies: 14
Views: 1543

Re: Is 100% VTSAX (+ bonds) the best portfolio?

JL Collins think so. He makes valid point in his book "The Simple Path to Wealth". It has worked in the past, but who knows what the future holds. Argument is that most major US companies are global in their scope anyway, so internatial is not necessary. Definitely would make investing a lot easier...
by stemikger
Thu Mar 29, 2018 4:43 pm
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE
Replies: 43
Views: 6981

Re: Q&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE

Mr. Bogle, What is your current position on buying and holding international stock index funds and international bond index funds? Hey, Jon H, Jack answered your question at last years' Q&A. The video is below. https://vimeo.com/channels/bogleheads/241479867 I know there are a lot of people who are...
by stemikger
Thu Mar 29, 2018 6:27 am
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE
Replies: 43
Views: 6981

Re: Q&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE

Has your son, who runs a boutique firm utilizing an ACTIVE investment philosophy, ever altered your own thinking about PASSIVE vs. ACTIVE? Good question, this has always baffled me. Jack has proven through simple arithmetic that investing in index funds is the gold standard, so why is his Son tryin...
by stemikger
Thu Mar 29, 2018 6:25 am
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE
Replies: 43
Views: 6981

Re: Q&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE

Mr. Bogle, What is your current position on buying and holding international stock index funds and international bond index funds? Hey, Jon H, Jack answered your question at last years' Q&A. The video is below. https://vimeo.com/channels/bogleheads/241479867 I know there are a lot of people who are...
by stemikger
Sat Mar 24, 2018 12:50 am
Forum: Investing - Theory, News & General
Topic: I’m looking for a word...
Replies: 114
Views: 9232

Re: I’m looking for a word...

Figwick Broadlicker is my go to word for this topic.
by stemikger
Thu Mar 22, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21715

Re: Anyone Deleting Facebook?

I deactivated two months ago, but just yesterday I sent them my request to permanently delete my account. IMHO FB ruined many relationships I had. I'm sorry I ever joined. Glad to be off it for many reasons.
by stemikger
Thu Mar 22, 2018 5:44 am
Forum: Investing - Theory, News & General
Topic: Do you Continue to invest even in down market??
Replies: 54
Views: 6325

Re: Do you Continue to invest even in down market??

Of course! As Mr. Buffett always says that when the price of hamburger drops the Buffett Family sings the Hallelujah Chorus. The best time to buy is when stocks are going down not up.
by stemikger
Wed Mar 21, 2018 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: 50% of my portfolio in FANG - 15% in NVDA
Replies: 64
Views: 6509

Re: 50% of my portfolio in FANG - 15% in NVDA

I didn't read the other replies yet, but this is definitely not a Boglehead portfolio. If this is the way you want to go, have fun, but make sure you know the risks involved. As for myself, I'm a 100% passive index investor. That is what enables me to not worry about the daily price moves of the mar...
by stemikger
Wed Mar 21, 2018 11:43 pm
Forum: Investing - Help with Personal Investments
Topic: If you knew a recession was coming, what would you do?
Replies: 57
Views: 6523

Re: If you knew a recession was coming, what would you do?

John Bogle brought the index fund to retail investors so we don't have to worry about these things. Create an asset allocation between stocks and bonds and go to bed until retirement day. Why make life stressful when it doesn't have to be. It only took me 20 plus years to learn this lesson myself. l...
by stemikger
Mon Mar 19, 2018 6:46 am
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE
Replies: 43
Views: 6981

Re: Q&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE

I'll throw my usual out there: If you were born Mr. Yasuhara from Tokyo would you have been advocating 100% US equities this whole time or is that only because you were born Mr. Bogle from Montclair, NJ? Good luck. p.s. I am not sure if someone has already asked my perpetual query, but if it has pl...
by stemikger
Mon Mar 19, 2018 6:37 am
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE
Replies: 43
Views: 6981

Re: Q&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE

Hello Mr. Bogle "Jack" It is pretty much common knowledge in the Boglehead community that Warren Buffett endorsed the index investing strategy as the way to go for most people. Although he endorses index investing, he has been on record several times saying bond investing is a terrible investment. I...
by stemikger
Wed Mar 14, 2018 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey on Bonds
Replies: 107
Views: 8798

Re: Dave Ramsey on Bonds

Dave deserves to get slammed relentlessly. He will flat out call you an idiot, moron, stupid if you use a credit card, borrow money, have a FICO score, buy bonds, etc. His way is the only way, in his eyes. And his advice generally sucks. I have to admit I listen at night during my drive to work. Th...
by stemikger
Wed Mar 14, 2018 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey on Bonds
Replies: 107
Views: 8798

Re: Dave Ramsey on Bonds

When I knew nothing about investing, I learned that you should always have a mix of stocks and bonds. That is how I learned and have always been in a balanced fund type of allocation even when I was younger. If I knew then what I know now, I would have been in more stocks, but having said that, I am...
by stemikger
Tue Mar 13, 2018 11:55 pm
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 59
Views: 4407

Re: Men's Cologne

I like Supreme and/or Prime by Aeropostale. It's a nice clean smelling scent, both are good. I received both of these for Christmas and I like how they last for a good part of the day and they won't break the bank at $20 a bottle. For those saying how they don't like to smell cologne, I rather smell...
by stemikger
Sun Mar 11, 2018 2:49 pm
Forum: Investing - Theory, News & General
Topic: Target Date Funds Changed again?
Replies: 12
Views: 1986

Re: Target Date Funds Changed again?

This is from the Vanguard site for the 2030 Summary Summary Vanguard Target Retirement Funds offer a diversified portfolio within a single fund that adjusts its underlying asset mix over time. The funds provide broad diversification while incrementally decreasing exposure to stocks and increasing ex...
by stemikger
Sun Mar 11, 2018 9:50 am
Forum: Investing - Theory, News & General
Topic: Target Date Funds Changed again?
Replies: 12
Views: 1986

Target Date Funds Changed again?

I just noticed the Target Date Funds once again changed their asset allocation. I only checked because my daughter is now in one of these funds through her 403b. I was kind of shocked to see they changed the Target Date Fund 2030 Fund from 65/35 stocks bonds to 75/25 stocks bonds and the 2025 Funds ...
by stemikger
Sun Mar 11, 2018 6:41 am
Forum: Investing - Help with Personal Investments
Topic: PedalPub investment
Replies: 22
Views: 2066

Re: PedalPub investment

Drunk People plus operating a traveling pub sounds like a lawsuit waiting to happen. I rather stick with index funds. I did see one near the city of Charlotte when I went to see my sister. Things like these are very faddish and I don't see them lasting after someone tried it once. When I drink beer,...
by stemikger
Thu Mar 08, 2018 10:32 pm
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 124
Views: 11840

Re: Why International again?

I'm in the minority around here that agrees with Jack Bogle on a "International" stock allocation. I don't think it's necessary for U.S. investors. You can build a reasonably well diversified portfolio of stocks from those traded on U.S. exchanges, or even more simply to buy the whole " U.S. Market...
by stemikger
Fri Mar 02, 2018 6:31 am
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 119
Views: 10729

Re: Honda vs. Toyota: Which has more bang for the buck?

IME Nissan is just as good (actually better in comfort and maybe in the feel of the engine and handling performance) and cheaper, with better discounts. There is a bit of paying-for-the-name with Honda/Toyota. Nissan reliability has been fine, as is the dealer/service dept. experience. So I would t...