Bogleheads.org

If those in tax deferred accounts , You can easily get 3 funds allocation. VTI,VXUS and total bond index

Congrats! When me and my wife were 35 we had around 300k . Now we are in our 53’s and well over two milestones ( seven figures) and pushing the third . So, now, if you invest from now on like me without investing on headline news or getting emotional during market crashes and invest most of your portfolio in equity’s I bet by the time you 53 you will have well over 3 million . So, wish you remember my word’s, ignore the noise , stay the course and remember , there’s nothing guarantee long term that beats inflation as equity’s!


I didn’t look close. This is old thread. Anyway.

watchnerd wrote: ↑Thu Mar 16, 2023 5:51 am

Ed 2 wrote: ↑Thu Mar 16, 2023 3:49 am Not for bogleheads for sure .

Why do you say not for Bogleheads?

I certainly don't view being a Boglehead as choosing to be ignorant of macro economics.

You probably right, I just needed to reframe it , not for bogleheads who ignore the noise and staying the course .

toblerone wrote: ↑Thu Mar 16, 2023 1:11 am I just watched the show and there is a definite left-wing bias in the presentation from beginning to end. There were some entertaining interviews, but overall it seems like a blame shifting attempt by PBS, and otherwise not very informative or interesting.

Nice music background, attention grabbing staff . Not for bogleheads for sure . This latest PBS “occupy Wall Street” documentary just another waist of my time video I watched.

9-5 Suited wrote: ↑Wed Mar 15, 2023 11:50 pm

Ed 2 wrote: ↑Wed Mar 15, 2023 6:01 pm Reality will be that if you are a truly long term investor that you just ignore the noise and keep investing . It is up to you how to invest and what to believe in. But what do I know , right?

A couple of immortal legends nicely pulled together in one video. While one is no longer here to comment on any particular situation, I feel secure in knowing his remarks would be unchanged.

https://www.youtube.com/watch?v=wWmPDmBTBDM

Exactly!

Parkinglotracer wrote: ↑Thu Mar 16, 2023 3:16 am As they say when the US sneezes the world gets a cold - VXUS international ETF is down 2.6% yesterday as world tries to manage banking crisis.

Did you sell? Are you short? You better, because I bought it yesterday when it was down 3.30%.

Federal reserve is going to send us cash ! Right on!

Kal1981 wrote: ↑Wed Mar 15, 2023 5:44 pm

Ed 2 wrote: ↑Wed Mar 15, 2023 5:07 pm

Kal1981 wrote: ↑Wed Mar 15, 2023 4:58 pm Makes you wonder if the fundamentals of investing has changed. Businesses mindset is no longer what it used to be, pre-2008 recession.

Ask those who lived during 70s. I think it’s nonsense that something changing in investing fundamentals, it’s just coming back to reality.

And what would reality look like? I suspect enduring more down turn and probably the US market dragging down other markets with it.

Reality will be that if you are a truly long term investor that you just ignore the noise and keep investing . It is up to you how to invest and what to believe in. But what do I know , right?

Kal1981 wrote: ↑Wed Mar 15, 2023 4:58 pm Makes you wonder if the fundamentals of investing has changed. Businesses mindset is no longer what it used to be, pre-2008 recession.

Ask those who lived during 70s. I think it’s nonsense that something changing in investing fundamentals, it’s just coming back to reality.

rockstar wrote: ↑Wed Mar 15, 2023 4:35 pm

exodusing wrote: ↑Wed Mar 15, 2023 4:21 pm After the close of trading in Europe, Switzerland’s central bank, the Swiss National Bank, said that it would step in and provide support to Credit Suisse “if necessary.”

I wonder why it took them so long.

What’s the rush? They’ve been having trouble for years now.

For two years to be exact. It’s just the latest CVB fiasco made it fit into attention of fear spreaders

Dolcetto wrote: ↑Wed Mar 15, 2023 2:56 pm

Ed 2 wrote: ↑Wed Mar 15, 2023 2:45 pm Just finished watching. Gave me heartburn. Another “ end of the world “ documentary. Bought some index ETF’s after.

I haven’t watched this one yet, but that that’s how I remember “The Retirement Gamble” being. I credit that documentary for inspiring me to actually learn about sound evidence-based investing and to beware of bad 401k plans and brokers like Edward Jones— I bought “The Bogleheads’ Guide to Investing” and opened an Roth IRA at vanguard and filled it with index funds because of it. I’m very glad that I was ale to watch it early in my retirement saving journey.

After watching this one you may run to the bank to get some cash to buy can food.

Just finished watching. Gave me heartburn. Another “ end of the world “ documentary. Bought some index ETF’s after.

Talking heads “ this is not 2008”,”everything just fine”. 500 banks more banks belly up we done . Thank you fed reserve for not listening Jeremy Seagal.

smooth_rough wrote: ↑Sun Mar 12, 2023 6:11 pm FDIC has seized Signature Bank!

Another Crypto pipeline shut down for good

nps wrote: ↑Sun Mar 12, 2023 6:03 pm

Ed 2 wrote: ↑Sun Mar 12, 2023 5:56 pm

nps wrote: ↑Sun Mar 12, 2023 5:10 pm

Ed 2 wrote: ↑Sun Mar 12, 2023 2:48 pm

456M wrote: ↑Sun Mar 12, 2023 2:39 pm U.S. officials weigh protecting all deposits at Silicon Valley Bank

Source: https://www.washingtonpost.com/us-polic ... -deposits/

So far I’ve heard nothing that will comedown the market’s next week. Hang on

Futures up

Making investing decisions according Sunday night futures?

Of course not. But the markets have clearly calmed down.

Futures are not whole market, will see next Tuesday and after in March 22

nps wrote: ↑Sun Mar 12, 2023 5:10 pm

Ed 2 wrote: ↑Sun Mar 12, 2023 2:48 pm

456M wrote: ↑Sun Mar 12, 2023 2:39 pm U.S. officials weigh protecting all deposits at Silicon Valley Bank

Source: https://www.washingtonpost.com/us-polic ... -deposits/

So far I’ve heard nothing that will comedown the market’s next week. Hang on

Futures up

Making investing decisions according Sunday night futures?

Corsair wrote: ↑Sun Mar 12, 2023 2:50 pm

Ed 2 wrote: ↑Sun Mar 12, 2023 2:48 pm

456M wrote: ↑Sun Mar 12, 2023 2:39 pm U.S. officials weigh protecting all deposits at Silicon Valley Bank

Source: https://www.washingtonpost.com/us-polic ... -deposits/

So far I’ve heard nothing that will comedown the market’s next week. Hang on

Bitcoin popped on the news of them bailing out all deposits, I wouldn't be surprised if futures are green if true

That’s the problem when the root of the problem like crypto is popping on this news, meaning we are on a big pile of toxic assets and it ain’t over yet.

456M wrote: ↑Sun Mar 12, 2023 2:39 pm U.S. officials weigh protecting all deposits at Silicon Valley Bank

Source: https://www.washingtonpost.com/us-polic ... -deposits/

So far I’ve heard nothing that will comedown the market’s next week. Hang on

toddthebod wrote: ↑Sun Mar 12, 2023 11:11 am

JoMoney wrote: ↑Sun Mar 12, 2023 9:48 am

MnD wrote: ↑Sun Mar 12, 2023 9:35 am If Schwab drops another 25% I'll be tempted to buy some shares.
The last two individual stocks I owned were Schwab and Costco and did very well with both.

Interesting parallel with this thread viewtopic.php?t=399783 where the poster discusses owning Silicon Valley Bank and Costco.
Curious why Costco is the choice of stock to pair with a financial firm....

When the banks start failing, everyone stocks up on toilet paper.

.

Going to Costco asap!

My question is why did people all of the sudden need to rush to get money out. Do they have a liquidity problem? On a day to day bases people should not need all the money. This are not individual account holders. This are business owners who need to do payrolls and pay bills asap. That’s only part of it. The accelerated collapse was due to VC backers telling companies there were problems at the bank and to move their money now. Created the classic panic for a run on the bank. I have no idea what to believe in some of the other reports I see in the more tech focused circles, but some people have indicated there were some noticeable issues leading up to this which ultimately led to the VC call to move funds. I’ve also seen reports that some...

This are not individual account holders. This are business owners who need to do payrolls and pay bills asap. So the bank did not have enough to satisfy normal operations of clients or they didn't have enough to cover a panic? What I can gather it started from a big investor telling people to pull money out. No sure why we are pussyfooting around on naming the "big investor." Although there may have been more than one. Bloomberg reported on Thursday, 3/9/2023 that Founders Fund, the venture capital fund co-founded by Peter Thiel, has advised companies to pull money from Silicon Valley Bank. But there was a legitimate reason, because the bank had cultivated a customer base of tech startups, who were hurt by the interest rate rise,...

I'm finding myself thinking more about moving into semi-retirement possibly in the next few years. I've run a couple of retirement calculators and was surprised to find that retirement may be possible sooner than I thought. I would like your opinions on how soon I could retire or at least semi-retire? Could I retire in 5 years, when our mortgage is paid off (as noted further below)? "Semi-Retirement", by the way, to me means either 1) mostly handing off my solo law practice to a younger attorney, and probably working part time, or 2) cutting back my work hours and just working less (this option seems less workable for a variety of reasons) or 3) the "second career" option - closing my law practice altogether and doing s...

My question is why did people all of the sudden need to rush to get money out. Do they have a liquidity problem? On a day to day bases people should not need all the money. This are not individual account holders. This are business owners who need to do payrolls and pay bills asap. So the bank did not have enough to satisfy normal operations of clients or they didn't have enough to cover a panic? What I can gather it started from a big investor telling people to pull money out. No sure why we are pussyfooting around on naming the "big investor." Although there may have been more than one. Bloomberg reported on Thursday, 3/9/2023 that Founders Fund, the venture capital fund co-founded by Peter Thiel, has advised companies to pull ...

clip651 wrote: ↑Sun Mar 12, 2023 9:12 am You might also consider a cat! No barking, but cats have their own issues, and they do shed.

Started up with a dog discussion , ended up with fish in the tank.

My question is why did people all of the sudden need to rush to get money out. Do they have a liquidity problem? On a day to day bases people should not need all the money. This are not individual account holders. This are business owners who need to do payrolls and pay bills asap. That’s only part of it. The accelerated collapse was due to VC backers telling companies there were problems at the bank and to move their money now. Created the classic panic for a run on the bank. I have no idea what to believe in some of the other reports I see in the more tech focused circles, but some people have indicated there were some noticeable issues leading up to this which ultimately led to the VC call to move funds. I’ve also seen reports that some...

Tooth wrote: ↑Sun Mar 12, 2023 9:04 am

Ed 2 wrote: ↑Sun Mar 12, 2023 9:00 am

Tooth wrote: ↑Sun Mar 12, 2023 8:57 am My question is why did people all of the sudden need to rush to get money out. Do they have a liquidity problem? On a day to day bases people should not need all the money.

This are not individual account holders. This are business owners who need to do payrolls and pay bills asap.

So the bank did not have enough to satisfy normal operations of clients or they didn't have enough to cover a panic? What I can gather it started from a big investor telling people to pull money out.

Yes and yes. Bill Acman spreading the fear on tweeter. Unfortunately no one can stop the panic that already started. If you haven’t been during 2008 it new for you. Just hang on , keep enough cash to pay bills and everything will be just fine .

Tooth wrote: ↑Sun Mar 12, 2023 8:57 am My question is why did people all of the sudden need to rush to get money out. Do they have a liquidity problem? On a day to day bases people should not need all the money.

This are not individual account holders. This are business owners who need to do payrolls and pay bills asap.

BogleMelon wrote: ↑Sat Mar 11, 2023 10:39 pm Is that article make sense?
Is Ally could go out of business too?

https://www.marketwatch.com/amp/story/2 ... b-c4bbcafa

That’s how roomers and fear spreads. Welcome back to 2008- part 2 . MarketWatch, Bill Ackman and so on , seriously?!!
Dear Bogleheads , tune out the noise, keep investing, enjoy the BIG SALE is coming !

placeholder wrote: ↑Fri Mar 10, 2023 9:48 pm

Ed 2 wrote: ↑Fri Mar 10, 2023 9:28 pm I would turn his show only to irritate my neghbor’s dog.

The neighbor's dog is a boglehead?

After 25 years next to me I converted everything around into bogleverse.

martincmartin wrote: ↑Wed Jan 05, 2022 5:55 pm Interesting post on accuracy, and whether you can beat the market following his picks.

I would turn his show only to irritate my neghbor’s dog.

watchnerd wrote: ↑Fri Mar 10, 2023 12:51 pm

Forester wrote: ↑Fri Mar 10, 2023 12:05 pm It's more like 2000/2003 than 2008

I dunno....the SVB closure may be the canary in the coal mine for a bank crisis in the making.

Or 1967- 1972

H-Town wrote: ↑Thu Mar 09, 2023 9:28 am hey guys. Is the bear market over yet?

Over for Friday .

hghysm21 wrote: ↑Fri Mar 10, 2023 8:36 pm If I buy several CDs from different banks through a brokerage firm, will each CD be FDIC insured up to 250K?
Thanks much for your help.

Who keeps 250k in cash? Well….

Nice. Trading BND and VTI with put options. That’s what Jack Bogle was warning about ETF’s .
Good luck.

abuss368 wrote: ↑Sat Mar 04, 2023 9:55 am

Ed 2 wrote: ↑Fri Mar 03, 2023 2:45 pm

bmelikia wrote: ↑Fri Mar 03, 2023 9:47 am For those of you purchasing treasuries today. . .what duration(s) are you currently buying? And why?

-Thank you

Duration for the rest of life . VTI and VXUS

Hi Ed -

Excellent advice! Both Total Stock and Total International Stock are two of the best funds an investor can own. The holding period for these funds should be “forever”!

Hope you are well.
Tony

bmelikia wrote: ↑Fri Mar 03, 2023 9:47 am For those of you purchasing treasuries today. . .what duration(s) are you currently buying? And why?

-Thank you

Duration for the rest of life . VTI and VXUS

UpperNwGuy wrote: ↑Tue Feb 28, 2023 8:33 pm

newyorker wrote: ↑Tue Feb 28, 2023 4:31 pm

watchnerd wrote: ↑Sat Feb 25, 2023 8:28 pm

newyorker wrote: ↑Sat Feb 25, 2023 8:24 am

Charles Joseph wrote: ↑Sat Feb 25, 2023 7:43 am

Destroyed?

Yes

Where were you in 2008-2009?

Or 2002-2003?

College and High School

So you haven't seen the really bad times. What we're seeing now is not destruction.

I remember bear market 2000-2003 . That was a very loooooong one . This was my first one and I past it. I don’t understand all this panic talk during normal classic bear market. This should be the best times for accumulation.

Ozonewanderer wrote: ↑Sat Feb 25, 2023 6:52 pm

Re: 2022-2023 Bear Market Is Over

Ha ha ha!

I predict a crash of at least moderate degree.

Lol . Some of this comments lately makes me wake again. All aboard!

We need help overcoming our fear of investing after both my wife and me grew up poor. Both of us had single mothers and both of us had times (years) where basic necessities were an issue. I'll never forget the relief and then dread of receiving the Monopoly money food stamps after Mom had sold anything of value in our house to buy food and pay the electric bill. She was a proud women and watching her cry of embarrassment having to accept government help left a profound impression on me. If you ever had a period of life where you were in that situation you understand it stays with you and you'll do everything in your power to never return. Fast foward to today and we are both 52 and in what we consider great financial position but the major...

legio XX wrote: ↑Sat Feb 18, 2023 6:31 am No bad, but the pitch for investing in shares of artwork really didn't fit well in a vita of St. Jack.

Let the guy experiment. There are not many boys like him making documentaries in YouTube about boring real investing.

Fallible wrote: ↑Fri Feb 17, 2023 6:51 pm Thanks for posting. I discovered Jack and low-cost indexing back in the '80s so am familiar with his road to Vanguard success, but the video effectively shows his determination and approach to that success. As he once said:

When a door closes, if you look long enough and hard enough, if you're strong enough, you'll find a window that opens.

After23+ year’s of investing in Vanguard , after long enough time I found that window.

Charles Joseph wrote: ↑Fri Feb 17, 2023 4:42 pm Kinda cheezy. Nothing new.

For us nothing new , but for new investors it’s small peace of history. I’d give a credit to young documentary maker . At least he doesn’t hype on YouTube about some new secret souse technique .

Captain America wrote: ↑Fri Feb 17, 2023 4:01 pm Great documentary. I have 5 million plus reasons to appreciate all he has done.

Back in 1999 when I opened my account at Vanguard I already knew that Vanguard will change financial industry. This was real democratising for regular investor unlike Robinhood-meemstock craze

Just found on YouTube this documentary and decided to share.
https://m.youtube.com/watch?v=aYpZmOXZ0pY

Leesbro63 wrote: ↑Wed Feb 15, 2023 10:22 am Considering an EV to replace a Subaru Crosstrek. We have another ICE vehicle. But I’m just wondering what happens if you’re on the highway and run out of charge, like running out of gas in an ICE car? Do the tow trucks have a charger?

I hope by the time I will consider buying EV I would have an option to charge from my phone.

Ironmike87 wrote: ↑Wed Feb 08, 2023 11:12 pm I have $6,500 right now that I was going to shove into my Roth IRA to max it out for the year. I usually invest as much as I can as soon as I have the money, but this "big recession coming" talk is having me reconsider. Any thoughts? I'm only 44.

Lol, are you going retire this year or next? Why everyone fixated on what’s happening now and making decisions on how to and when invest in Roth IRA ? You jus answered on your question yourself , you are 44. I was and is dollar cost averaging for more than 23 years into my Roth IRA regardless what’s going on on a given moment.. I am 53.

nalor511 wrote: ↑Tue Feb 07, 2023 8:23 pm

Ed 2 wrote: ↑Tue Feb 07, 2023 7:38 pm You can open high yield money market just under 4% or to get short term Tbill. Keep in mind after making over $3k in ordinary dividend you still will pay over $600 in federal tax . So, it depends why you need this money to keep liquid for a year , there are many other ways to invest but for much longer with more risk.

1yr tbill 4.8% (better than MMF) plus no state tax

You are right, read everything I’ve read .

You can open high yield money market just under 4% or to get short term Tbill. Keep in mind after making over $3k in ordinary dividend you still will pay over $600 in federal tax . So, it depends why you need this money to keep liquid for a year , there are many other ways to invest but for much longer with more risk.

question of today “ should I keep all my money in money market with 4% returns “ vs question of yesterday “ when to enter in stock market , I missed stock market recovery 20% since October “
Meanwhile, fund of “ legendary investor “ Ray Dalio 10 year performance only approximately 5% vs VTI around 12% . Do I care what Dalio say? Mneh

Moving to brokerages like Fidelity, Shwab or Vanguard.