Apples? Meet oranges.km91 wrote: ↑Mon Jan 15, 2024 8:30 pmDoes it though? In any market other than stock market the strategy of buying the total market would make no sense. Do you buy regular, mid grade, and supreme at the gas station? Do you own a Tesla, Camry, Silverado, and Corolla in proportion to the total car market? If someone asks you for a recommendation for a product or consumer good do you reply with "all of them" or are there other "factors" that need to be considered?Charles Joseph wrote: ↑Mon Jan 15, 2024 7:29 pm But holding the total market at the lowest possible cost just seems to make the most sense.
Search found 1814 matches
- Wed Mar 13, 2024 4:52 pm
- Forum: Investing - Theory, News & General
- Topic: More Evidence Against Factor Investing
- Replies: 650
- Views: 46379
Re: More Evidence Against Factor Investing
- Thu Feb 15, 2024 1:44 pm
- Forum: Personal Investments
- Topic: How much did you pay Vanguard this year?
- Replies: 66
- Views: 7010
Re: How much did you pay Vanguard this year?
We use none of Vanguard’s “add ons” and pay six basis points for a mixture of index funds and active funds. We own a slug of Wellington, but the majority of the family portfolio is in indexes.
Except for the annoying pop ups on the VG website urging us to use a Vanguard advisor, all is serene.
Except for the annoying pop ups on the VG website urging us to use a Vanguard advisor, all is serene.
- Mon Jan 22, 2024 10:31 am
- Forum: US Chapters
- Topic: 🎁 🎉Happy 100th Birthday to Taylor Larimore 🎊🎂
- Replies: 429
- Views: 43340
Re: 🎁 🎉Happy 100th Birthday to Taylor Larimore 🎊🎂
Long standing ovation for a full life, productively lived!
- Tue Jan 16, 2024 9:24 pm
- Forum: Investing - Theory, News & General
- Topic: How did you make your first $1M?
- Replies: 148
- Views: 35654
Re: How did you make your first $1M?
Wife and I were more or less broke when I hit 40. I’d been bouncing around to short term jobs and she was pulling down a steady income in the LA cartoon industry. I got a job teaching Middle School, but soon ran for a salaried position in the union I had been in for 12 years … over DW’s objections. Stayed there 27 years with both of us working, living below our means and fully funding IRAS and 401ks. Sent two sons to public schools. Wealth rose slowly but steadily. Bought a second house in So Cal and sold the first small one when CA real estate prices weren’t insane. Moved out of state for retirement without regrets, selling house at a nice markup as we left. That, in a nutshell, is how we came by our stash. We “got rich” at a snail’s pace..
- Mon Jan 15, 2024 11:44 pm
- Forum: Investing - Theory, News & General
- Topic: Where does the loyalty to Vanguard come from?
- Replies: 72
- Views: 6648
Re: Where does the loyalty to Vanguard come from?
The site was named after the founder of Vanguard, so it fits. Late John Bogle is a rational person tho and even he would choose Fidelity over Vanguard given choice. Using Vanguard is irrational based on higher fees and poor customer service & technology. Irrational? Strong words. I’ve been at Vanguard 30 years give or take. Put my mother in VG funds and the investments paid for seven years of her assisted living, and then some. I navigate the website. Anybody with a middle of the road high school education can do the same. I make the occasional call to staff and receive the info I need. I visit Vanguard’s website but little, and close pop-ups I don’t like when I do. Some Vanguard changes I favor and some I don’t. But changing to anothe...
- Thu Jan 11, 2024 3:20 pm
- Forum: Investing - Theory, News & General
- Topic: Trading Cryptocurrency (Bitcoin ETFs) - Bogleheads forum policy remains unchanged
- Replies: 47
- Views: 7666
Re: BTF ... anyone purchase Schwab's listed bitcoin today?
I agree with Charlie Munger. Bitcoin is “rat poison” and I stay far away from it. (No doubt there will be … by and by… some exposure to BC in the Total Stock Market, but the market is what it is.)
- Wed Nov 29, 2023 8:19 pm
- Forum: Investing - Theory, News & General
- Topic: Mutual funds that beat index funds in the long run
- Replies: 75
- Views: 24494
Re: Mutual funds that beat index funds in the long run
Even if there are a few mutual funds that have beat index funds over a long time period, that could be due to luck and does not necessarily say anything about how those funds will do going forward. In fact, a monkey throwing darts should beat an index fund in quite a few years if the monkey's stocks are in a Roth, have no transaction fees, and the monkey does not charge expenses. Or the monkey could create a "monkey index" in year 1 and just hold those stocks over time. Also, do not use Buffet or Lynch as examples because they played in a very different, much less efficient market when they outperformed. no one is lucky for 55 years If you are talking about Buffet, he made his money by buying businesses and helping run them - not...
- Mon Jul 24, 2023 10:17 am
- Forum: Personal Investments
- Topic: 30 percent equity allocation in retirement
- Replies: 65
- Views: 6049
Re: 30 percent equity allocation in retirement
We’ve been at 30% equities since retiring in ‘17. The game for us is capital preservation and the strategy has worked like a dream.
We don’t move our equity investments around, but have shortened bond durations. No regrets whatsoever.
We don’t move our equity investments around, but have shortened bond durations. No regrets whatsoever.
- Sat Jul 08, 2023 6:43 pm
- Forum: Personal Consumer Issues
- Topic: What Movie Have You Recently Watched?
- Replies: 11151
- Views: 2085724
Re: What Movie Have You Recently Watched?
The new Jennifer Lawrence yuk fest “No Hard Feelings”. She and her teenage co-star Andrew Feldman carry the picture over the uneven and predictable parts, and the flick rates a solid “B”. But what a shock to see Ferris Buehler now doing gray-haired, gray-bearded Dad parts.
- Fri Mar 24, 2023 1:29 pm
- Forum: Investing - Theory, News & General
- Topic: I don't have to worry about living past 80, even if I retire at 46 with just 23X
- Replies: 285
- Views: 29941
Re: I don't have to worry about living past 80, even if I retire at 46 with just 23X
Might work okay. Might not work. Very few folks predict the future with accuracy.
On the other hand, if your projections and investments go to hell in a handcart, you can always grit your teeth and return to the workforce.
On the other hand, if your projections and investments go to hell in a handcart, you can always grit your teeth and return to the workforce.
- Sun Mar 05, 2023 9:50 pm
- Forum: Personal Consumer Issues
- Topic: Do you go for walks?
- Replies: 175
- Views: 17510
Re: Do you go for walks?
Jogging and walking from 1968 to now. Varied it over the years with bicycling then a stationary bike. Elliptical machine. Now check steps per minute and heart rate with an Apple watch. (The damn watch nags about exercise. Irritating but semi-useful.)
Upper body work 2-3 days per week. Cardio 7 days/week when I can swing it. (Usually I can.)
Big lesson learned over the decades: you can always gain weight if you over consume calories. (Duh.) Even if you run miles. I used to kid myself that I ran so I was immune as I ate the kids left over Big Macs. I now weigh 52 pounds less than I did in my delusional days, and weigh myself each morning to make sure I stay that way.
Upper body work 2-3 days per week. Cardio 7 days/week when I can swing it. (Usually I can.)
Big lesson learned over the decades: you can always gain weight if you over consume calories. (Duh.) Even if you run miles. I used to kid myself that I ran so I was immune as I ate the kids left over Big Macs. I now weigh 52 pounds less than I did in my delusional days, and weigh myself each morning to make sure I stay that way.
- Mon Jan 02, 2023 6:39 pm
- Forum: Personal Consumer Issues
- Topic: What Movie Have You Recently Watched?
- Replies: 11151
- Views: 2085724
Re: What Movie Have You Recently Watched?
“Puss in Boots 2” - a frenetic roller coaster ride with a slight story — Puss is pursuing a magic wishing star with other fairy tale figures in hot competition with him.
The vocal characterizations are first rate, with lots of inventive moments. But like a lot of modern flicks, the “exciting climax” is stretched to the max, and gets a wee bit tiresome.
OTOH, my wife slept through part of it.
The vocal characterizations are first rate, with lots of inventive moments. But like a lot of modern flicks, the “exciting climax” is stretched to the max, and gets a wee bit tiresome.
OTOH, my wife slept through part of it.
- Wed Dec 14, 2022 6:41 pm
- Forum: Investing - Theory, News & General
- Topic: Why a Glide Path to Retirement?
- Replies: 400
- Views: 27386
Re: Why a Glide Path to Retirement?
The fulcrum here would be the size of your retirement stash. As Bill Bernstein often says: “Why continue to play when you’ve won the game?”
I mean, if you’ve socked away millions, wouldn’t a major focus in retirement, particularly early retirement, be capital preservation?
I mean, if you’ve socked away millions, wouldn’t a major focus in retirement, particularly early retirement, be capital preservation?
- Tue Dec 13, 2022 11:25 pm
- Forum: Personal Consumer Issues
- Topic: What Movie Have You Recently Watched?
- Replies: 11151
- Views: 2085724
Re: What Movie Have You Recently Watched?
+1IowaFarmWife wrote: ↑Tue Dec 13, 2022 10:01 pm I finally got around to watching Elvis (2022) tonight. I have never been a huge Elvis fan, but I thought the movie was well done.
- Tue Dec 13, 2022 9:42 pm
- Forum: Personal Consumer Issues
- Topic: What Movie Have You Recently Watched?
- Replies: 11151
- Views: 2085724
Re: What Movie Have You Recently Watched?
Most recent flick viewed on a theater screen: the December reissue of “Top Gun: Maverick”, kind of the ultimate popcorn movie/heroic flyboy pic, similar to “Wings” (Best Picture winner from 1927), “The Dawn Patrol”, and “Desperate Journey” (1942), and Howard Hawks’s “Air Force”.
Without giving plot away, I found the climax of “Top Gun” similar to … and just as preposterous… as the climax to “Desperate Journey”, though the two features are dissimilar in many other ways.
But all the pictures have macho, wise cracking military pilots in common.
Without giving plot away, I found the climax of “Top Gun” similar to … and just as preposterous… as the climax to “Desperate Journey”, though the two features are dissimilar in many other ways.
But all the pictures have macho, wise cracking military pilots in common.
- Sat Dec 10, 2022 1:40 pm
- Forum: Investing - Theory, News & General
- Topic: Difference in performance Wellesley vs. Vang CA LT muni
- Replies: 4
- Views: 521
Re: Difference in performance Wellesley vs. Vang CA LT muni
They’re different animals in many ways, with different risks. Wellesley has large value stocks, corporate bond and (if memory serves) some federal bonds.
‘Twere me, I would reduce Wellesley but not eliminate it. I think diversification is important.
‘Twere me, I would reduce Wellesley but not eliminate it. I think diversification is important.
- Tue Oct 11, 2022 10:59 am
- Forum: Personal Finance (Not Investing)
- Topic: What prompted you to pull the plug and retire?
- Replies: 249
- Views: 45993
Re: What prompted you to pull the plug and retire?
I was pushing 70. I’d been in the job of business rep for 3 decades and the job was relatively stressful so what was I waiting for. The Mrs. was delighted to hang it up.
No regrets.
No regrets.
- Sat Oct 08, 2022 1:47 pm
- Forum: Investing - Theory, News & General
- Topic: Worst. Bond. Market. Ever.
- Replies: 73
- Views: 11926
Re: Worst. Bond. Market. Ever.
Funny how the Permanent Portfolio, once the belle of the ball, finds less favor around here now with its 25% allocations of Long Term Treasuries and Total Stock Market.
The Big Wheel keeps on Turning.
The Big Wheel keeps on Turning.
- Fri Sep 09, 2022 5:26 pm
- Forum: Personal Consumer Issues
- Topic: The Exercise Coach 2x weekly program
- Replies: 61
- Views: 27116
Re: The Exercise Coach 2x weekly program
After the virus hit and I stopped going to the gym, I switched to push-ups, bar dips, sit-ups and light weights to strengthen my upper back. Works well.
(Used to do pull-ups, but a few over enthusiastic sessions in my late sixties, and damaging a rotator cuff stopped the practice. Apparently you have to alter exercise routines with advancing age. Who knew?)
(Used to do pull-ups, but a few over enthusiastic sessions in my late sixties, and damaging a rotator cuff stopped the practice. Apparently you have to alter exercise routines with advancing age. Who knew?)
- Mon Aug 22, 2022 11:55 am
- Forum: Investing - Theory, News & General
- Topic: Assets Uncorrelated With Stocks During Downturns
- Replies: 89
- Views: 8952
Re: Assets Uncorrelated With Stocks During Downturns
Harry Browne’s “Permanent Portfolio” is known for (relatively) uncorrelated assets: 1/4 Total Stock Market; 1/4 Short Term Treasuries; 1/4 Long Term Treasuries; 1/4 Gold.
William Bernstein did an article on the PP some years back where he dives into the pluses and minuses of this asset allocation.
- Wed Jul 06, 2022 11:23 pm
- Forum: Investing - Theory, News & General
- Topic: Stocks, bonds on track for worst year since post-Civil War
- Replies: 129
- Views: 15689
Re: Stocks, bonds on track for worst year since post-Civil War
Pick 2 arbitrary dates. Write your click-bait headline.
- Tue Jul 05, 2022 3:35 pm
- Forum: Investing - Theory, News & General
- Topic: Survey Question: For Retired or Those Close to Retirement, What Withdrawal Method are You Using?
- Replies: 240
- Views: 19378
Re: Survey Question: For Retired or Those Close to Retirement, What Withdrawal Method are You Using?
From pension accounts we use RMDs, taken in late November. We withdraw from assets that are above our asset allocation targets, though our 401(k)s are in VG Target Date funds, so we just pull from those for the 401(k) RMD withdrawals.
- Fri Jun 24, 2022 10:57 am
- Forum: Investing - Theory, News & General
- Topic: Bonds don't seem to hedge against downturns anymore
- Replies: 153
- Views: 17542
Re: Bonds don't seem to hedge against downturns anymore
Vanguard's short-term TIPS ETF gained 5.3% in 2021.Taylor Larimore wrote: ↑Mon Jun 20, 2022 8:12 amK8ya:
Vanguard Total Bond Market Index Fund gained +5% in "08." No one knows what it will do this year.
Best wishes.
TaylorJack Bogle's Words of Wisdom: "Stay the Course. No matter what happens, stick to your program. I've said "Stay the course" a thousand times, and I meant it every time. It is the most important single piece of investment wisdom I can give to you."
Not too shabby.
- Tue Jun 21, 2022 3:46 pm
- Forum: Investing - Theory, News & General
- Topic: Bonds don't seem to hedge against downturns anymore
- Replies: 153
- Views: 17542
Re: Bonds don't seem to hedge against downturns anymore
Over a year ago we received a large slug of moolah and sank most of it into Vanguard’s short term TIPS ETFs. Paid off like gangbusters. And I’m here to tell you, bond funds are great.
- Mon Jun 06, 2022 3:27 pm
- Forum: Personal Finance (Not Investing)
- Topic: Your Estate Plan - what can go wrong?
- Replies: 18
- Views: 2889
Re: Your Estate Plan - what can go wrong?
We had a trust and will drawn up a few years ago; they’re humming right along. I’m currently the executor of my late mother’s trust, and there have been no major problems.
I don’t anticipate problems with DW’s and my trust, but if there are problems after our deaths, we fully intend not to trouble ourselves about it.
I don’t anticipate problems with DW’s and my trust, but if there are problems after our deaths, we fully intend not to trouble ourselves about it.
- Mon Jun 06, 2022 3:12 pm
- Forum: Investing - Theory, News & General
- Topic: Bonds: What Are They Doing? Are They Doing Things?? Let's Find Out!
- Replies: 2297
- Views: 258063
Re: Bonds: What Are They Doing? Are They Doing Things?? Let's Find Out!
Over a year ago, We had a big slug of new money and put most of it into Vanguard’s Short Term TIPS etf. It’s worked well. (Capital preservation is our game.)
- Mon May 30, 2022 11:02 pm
- Forum: Personal Consumer Issues
- Topic: How far or how long walking per day age 70
- Replies: 104
- Views: 13672
Re: How far or how long walking per day age 70
73. The routine is 2-4 miles of dog walking daily, then interval training on stationary bike nightly.
Some days are more strenuous than others. When pooches are off with their other owner, walks are longer and brisker. Been exercising regularly since 18, but gave up running at 33.
Some days are more strenuous than others. When pooches are off with their other owner, walks are longer and brisker. Been exercising regularly since 18, but gave up running at 33.
- Mon Apr 25, 2022 10:06 pm
- Forum: Investing - Theory, News & General
- Topic: Wall Street versus Jack Bogle
- Replies: 27
- Views: 3815
Re: Wall Street versus Jack Bogle
He wasn’t intent on raking in billions, though he could have. He was more focused on serving the needs of small investors.
Mr. Bogle is one of the few (only?) Wall Street investment chiefs who was. All the other big players today, Schwab, Fidelity and the rest, play the low cost game because Jack Bogle via Vanguard FORCED them to. Not because they WANTED to.
Mr. Bogle wanted to.
Mr. Bogle is one of the few (only?) Wall Street investment chiefs who was. All the other big players today, Schwab, Fidelity and the rest, play the low cost game because Jack Bogle via Vanguard FORCED them to. Not because they WANTED to.
Mr. Bogle wanted to.
- Thu Mar 24, 2022 1:17 pm
- Forum: Investing - Theory, News & General
- Topic: With the advances in data analytics technology, are there now tools that can accurately predict market trends?
- Replies: 40
- Views: 4421
Re: With the advances in data analytics technology, are there now tools that can accurately predict market trends?
One of my closest friends, a professor in economics, told me long ago: “NOBODY can predict with certainty what 331 million people will do with their money on any given day.” Hmmm... If we are talking GDP, then indeed we have a pretty good idea-- and your friend would know this. The amount people spend on housing, or food, for example, does change over time but it's not hugely volatile. Even gasoline hovers around 4% of average US household budget - when the price goes up, people do drive less (but their spending still goes up, gasoline is short term quite price inelastic). If we are talking markets, then no. The actual number of active decision makers investing markets in the world is probably not 1 million people. Most people have some fo...
- Wed Mar 23, 2022 12:57 pm
- Forum: Investing - Theory, News & General
- Topic: With the advances in data analytics technology, are there now tools that can accurately predict market trends?
- Replies: 40
- Views: 4421
Re: With the advances in data analytics technology, are there now tools that can accurately predict market trends?
One of my closest friends, a professor in economics, told me long ago:
“NOBODY can predict with certainty what 331 million people will do with their money on any given day.”
“NOBODY can predict with certainty what 331 million people will do with their money on any given day.”
- Thu Mar 17, 2022 2:59 pm
- Forum: Personal Investments
- Topic: Current world events and investment strategy...
- Replies: 35
- Views: 3002
Re: Current world events and investment strategy...
Stuff is ALWAYS happening.
At my advanced age, I have trained myself to say “Oh well” to all the stuff.
And remember: if the worst happens, you’ll be nuclear ash and beyond caring.
At my advanced age, I have trained myself to say “Oh well” to all the stuff.
And remember: if the worst happens, you’ll be nuclear ash and beyond caring.
- Wed Mar 16, 2022 10:49 am
- Forum: Investing - Theory, News & General
- Topic: "You don't lose money until you sell"
- Replies: 564
- Views: 43759
Re: "You don't lose money until you sell"
I always liked the TV car dealer's pitch:
"Friends, we lose money on every deal, but we make up for it in volume."
"Friends, we lose money on every deal, but we make up for it in volume."
- Tue Mar 08, 2022 4:37 pm
- Forum: Personal Investments
- Topic: [Market dropping - should I rebalance?]
- Replies: 23
- Views: 3212
Re: [Market dropping - should I rebalance?]
We're retired, have an asset allocation of 30/70 and have watched it drop to 25/75.
The move we've made in the last month is to have our large dollop of Total Stock Market Index shift from putting dividends in the Federal Money Market fund to purchasing more Total Stock Market shares.
Other than that, not changing a thing.
The move we've made in the last month is to have our large dollop of Total Stock Market Index shift from putting dividends in the Federal Money Market fund to purchasing more Total Stock Market shares.
Other than that, not changing a thing.
- Wed Mar 02, 2022 9:37 pm
- Forum: Personal Consumer Issues
- Topic: What are your hobbies?
- Replies: 561
- Views: 17383
Re: Hobbies for Boglehead Types?
Walking dogs for great distances. Traveling. Posting on websites.
- Sat Jan 29, 2022 3:14 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in free fall
- Replies: 36221
- Views: 4684427
Re: U.S. stocks in free fall
- Thu Jan 27, 2022 10:51 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in free fall
- Replies: 36221
- Views: 4684427
Re: U.S. stocks in free fall
For the last year we’ve been putting dividends from equity funds into our Money Market fund. Now, however, we have started reinvesting dividends into the equity funds.
Seemed like the right thing to do.
Seemed like the right thing to do.
- Thu Jan 13, 2022 8:03 am
- Forum: Investing - Theory, News & General
- Topic: Hi! I'm high inflation. Nice to meet you.
- Replies: 980
- Views: 111445
Re: Hi! I'm high inflation. Nice to meet you.
Current inflation is similar to the inflation at the end of WWII, for much the same reasons. Fed says it’ll abate next summer. I think it’ll be somewhat longer than that. (Everybody’s got an opinion; somebody’s bound to be right.)
- Thu Jan 13, 2022 7:55 am
- Forum: Personal Consumer Issues
- Topic: What Movie Have You Recently Watched?
- Replies: 11151
- Views: 2085724
Re: What Movie Have You Recently Watched?
I found it to be a shaggy first cousin of “Dr. Strangelove”. Could have had a wee bit of editing, but an enjoyable ride.Elsebet wrote: ↑Thu Jan 06, 2022 4:14 pm Don't Look Up on Netflix streaming. It's a bit over the top in the first half, but I feel like it calms down a bit at the halfway point and gets kind of warm/nostalgic. The end is funny and fitting, don't stop too early (keep watching the colorful credits) or you'll miss it. Overall not perfect but I enjoyed it. Definitely speaks volumes about the present times.
- Wed Jan 12, 2022 7:42 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks continue to soar!
- Replies: 22381
- Views: 2139397
Re: U.S. stocks continue to soar!
Is America a great country or what?peskypesky wrote: ↑Wed Jan 12, 2022 4:10 pmYes! We can have high inflation, high corporate profits, increasing interest rates, QE tapering and cake! Turns out...we can actually have it all.
- Wed Jan 12, 2022 7:42 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks continue to soar!
- Replies: 22381
- Views: 2139397
Re: U.S. stocks continue to soar!
Is America a great country or what?peskypesky wrote: ↑Wed Jan 12, 2022 4:10 pmYes! We can have high inflation, high corporate profits, increasing interest rates, QE tapering and cake! Turns out...we can actually have it all.
- Wed Jan 12, 2022 3:40 pm
- Forum: Investing - Theory, News & General
- Topic: If retired, what's your allocation to fixed income?
- Replies: 119
- Views: 14196
Re: If retired, what's your allocation to fixed income?
We’ve been retired four years, with an okay but not great pension, SS, and the usual retirement accounts.
Our asset allocation is 28/72% w slight weighting to value and small cap, a BIG slug of the retirement accounts in Wellesley, and (over the past year) a big part of our bond allocation in Vanguard’s Short Term TIPS etf.
Portfolio cost is 7 basis points and it’s designed for cash preservation. So far, so good.
Our asset allocation is 28/72% w slight weighting to value and small cap, a BIG slug of the retirement accounts in Wellesley, and (over the past year) a big part of our bond allocation in Vanguard’s Short Term TIPS etf.
Portfolio cost is 7 basis points and it’s designed for cash preservation. So far, so good.
- Wed Jan 12, 2022 3:39 pm
- Forum: Investing - Theory, News & General
- Topic: If retired, what's your allocation to fixed income?
- Replies: 119
- Views: 14196
Re: If retired, what's your allocation to fixed income?
We’ve been retired four years, with an okay but not great pension. SS, and the usual retirement accounts.
Our asset allocation is 28/72% w slight weighting to value and small cap, a BIG slug of the retirement accounts in Wellesley, and (over the past year) a big part of our bond allocation in Vanguard’s Short Term TIPS etf.
Portfolio cost is 7 basis points and it’s designed for cash preservation. So far, so good.
Our asset allocation is 28/72% w slight weighting to value and small cap, a BIG slug of the retirement accounts in Wellesley, and (over the past year) a big part of our bond allocation in Vanguard’s Short Term TIPS etf.
Portfolio cost is 7 basis points and it’s designed for cash preservation. So far, so good.
- Wed Jan 05, 2022 12:25 pm
- Forum: Investing - Theory, News & General
- Topic: Why the disdain for managed funds like ARKK that destroy total market funds?
- Replies: 1587
- Views: 211625
Re: Why the disdain for managed funds like ARKK that destroy total market funds?
Them that lives by the cheeky header, dies by the cheeky header.
My reaction was that he was trolling for comments … and got them.
My reaction was that he was trolling for comments … and got them.
- Fri Dec 24, 2021 6:36 pm
- Forum: US Chapters
- Topic: My Christmas Present For You
- Replies: 85
- Views: 9914
Re: My Christmas Present For You
Thanks for enduring the cold and attacks and fear those 77 years ago. I’m grateful.
- Wed Dec 08, 2021 11:47 am
- Forum: Investing - Theory, News & General
- Topic: Does the prevalence of "deals" make inflation hard to measure?
- Replies: 21
- Views: 1818
Re: Does the prevalence of "deals" make inflation hard to measure?
The inflation rate for individuals, methinks, varies widely.
Example #1: We reduced our mortgage payments substantially just before the pandemic. We now pay hundreds less per month.
Example #2: Our car lease was up just as used car prices topped out, and we bought it at the earlier agreed upon buyback price and immediately flipped it, making a 34% profit.
Lucky timing, but there you are. Supply chain snarls worked in our favor.
And with rising prices (gas and otherwise), individuals often switch to higher mileage cars, turn the thermostat down, eat more chicken and less sirloin, dine out less often, etc.
Example #1: We reduced our mortgage payments substantially just before the pandemic. We now pay hundreds less per month.
Example #2: Our car lease was up just as used car prices topped out, and we bought it at the earlier agreed upon buyback price and immediately flipped it, making a 34% profit.
Lucky timing, but there you are. Supply chain snarls worked in our favor.
And with rising prices (gas and otherwise), individuals often switch to higher mileage cars, turn the thermostat down, eat more chicken and less sirloin, dine out less often, etc.
- Sat Nov 27, 2021 10:07 pm
- Forum: Personal Investments
- Topic: How are People Mitigating Sequence of Return Risks?
- Replies: 187
- Views: 16977
Re: How are People Mitigating Sequence of Return Risks?
26% stocks/74% bonds (weighted to short term TIPs.)
Taking RMDs, pension and SS.
Easy peasy.
Taking RMDs, pension and SS.
Easy peasy.
- Wed Nov 24, 2021 1:19 pm
- Forum: Investing - Theory, News & General
- Topic: Ritholtz argues inflation will be mostly transitory
- Replies: 87
- Views: 8382
- Wed Nov 24, 2021 1:18 pm
- Forum: Investing - Theory, News & General
- Topic: Ritholtz argues inflation will be mostly transitory
- Replies: 87
- Views: 8382
- Wed Nov 24, 2021 1:18 pm
- Forum: Investing - Theory, News & General
- Topic: Ritholtz argues inflation will be mostly transitory
- Replies: 87
- Views: 8382
- Fri Sep 10, 2021 4:23 pm
- Forum: Investing - Theory, News & General
- Topic: What ratio are you stocks/bonds and how old are you?
- Replies: 449
- Views: 96091