Search found 37654 matches

by Valuethinker
Wed Jul 17, 2019 3:11 am
Forum: Personal Investments
Topic: US citizen retiring in Spain - portfolio concern
Replies: 21
Views: 1293

Re: US citizen retiring in Spain - portfolio concern

I hit my target number and considering retiring in Spain in few years. My ideal portfolio would be 70/30 stock/bonds. Like 70% - VT 30% - BND However, retiring in Euro zone, my conventional wisdom says that the bond part should be in the currency I am using (in this case Euro) to provide stability ...
by Valuethinker
Wed Jul 17, 2019 2:49 am
Forum: Personal Finance (Not Investing)
Topic: Risks of buying a Bay Area home with 4-year time horizon?
Replies: 7
Views: 459

Re: Risks of buying a Bay Area home with 4-year time horizon?

Hi all, I am a potential first-time home buyer considering properties in the San Jose Bay Area. I have ~500k in liquid assets (144k in cash, the rest in stocks), 500k in (FAANG) RSUs that vest over four years, and my base salary is 200k. Financially my biggest obligations are ~30k per year supporti...
by Valuethinker
Wed Jul 17, 2019 2:39 am
Forum: Personal Investments
Topic: Bond choices, risk vs yield
Replies: 4
Views: 367

Re: Bond choices, risk vs yield

Hello I am potentially going to make a life change in a year or two and am thinking ahead of how I want to shift my portfolio some to generate more fixed income. I was thinking what people think of mixing VBTLX with VWEAX 50/50 to increase the bond yield by about 1.5%. I realize the risk profile wi...
by Valuethinker
Tue Jul 16, 2019 11:45 am
Forum: Investing - Theory, News & General
Topic: From ex-dividend to distrubution where is my money?
Replies: 78
Views: 3437

Re: From ex-dividend to distrubution where is my money?

I think the OP is really just wondering why there is a delay beween ex-div and payment. That's a reasonable question, and one that's certainly been lost in the back and forth over relationship between dividend and stock price. I have no idea why it can take 3+ weeks, and I'd also be curious what st...
by Valuethinker
Tue Jul 16, 2019 11:36 am
Forum: Investing - Theory, News & General
Topic: From ex-dividend to distrubution where is my money?
Replies: 78
Views: 3437

Re: From ex-dividend to distrubution where is my money?

I have Verizon stock in my 401k. It went ex-dividend July 9th but my money won't be distributed until August 1st. Where is the $2,494.390,000, not all mine, sitting for three weeks? No where. Money is made up by human. It's not real. God damn it, an entire generation pumping gas, waiting tables; sl...
by Valuethinker
Tue Jul 16, 2019 11:10 am
Forum: Non-US Investing
Topic: UK bias in VG LifeStrategy and Retirement funds (UK)
Replies: 5
Views: 340

Re: UK bias in VG LifeStrategy and Retirement funds (UK)

Ah I see, you think it's largely currency risk. Fair point. I wondered if there were other reasons... I dunno... some incentives. tax benefits.... belief UK going to perform very well in future... Well, all my bonds are in GBP and will have high bond proportion on retiring. So looking at past perfo...
by Valuethinker
Tue Jul 16, 2019 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Being a hands off homeowner
Replies: 48
Views: 2603

Re: Being a hands off homeowner

What about a townhouse? This way you're only responsible for the interior of your unit. We live in one and spend very little time worrying about home maintenance. In the past two years the only thing I've spent money on is getting a drain snaked ($115) and replacing the glass in a sliding door ($50...
by Valuethinker
Tue Jul 16, 2019 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Being a hands off homeowner
Replies: 48
Views: 2603

Re: Being a hands off homeowner

Hello learned Bogleheads, I am 35 and live in Las Vegas, in a relationship no kids but marriage and kids are likely in the next 3 years. Since starting college at 18 i have lived in dorms or apartments. I like the idea of the permanency of home ownership as my job is pretty stable and I don’t see m...
by Valuethinker
Tue Jul 16, 2019 10:22 am
Forum: Personal Investments
Topic: 24 Year Old With Options
Replies: 15
Views: 1667

Re: 24 Year Old With Options

Hello everyone. I have been reading this forum and wiki for the last 8 months and have learned so much. I graduated from college in May of 2018 and have been working on getting my life/finances in order. Looking for some guidance on my next steps after I completed my goal of an emergency fund. Ther...
by Valuethinker
Tue Jul 16, 2019 10:09 am
Forum: Personal Investments
Topic: 24 Year Old With Options
Replies: 15
Views: 1667

Re: 24 Year Old With Options

4) If I were to go back to school for a Master's degree, does the schools ranking really matter if my plan is to use the degree to teach? Since the financial questions have been answered... You might try talking with some of your former college profs in your desired field about this. The current si...
by Valuethinker
Tue Jul 16, 2019 7:46 am
Forum: Non-US Investing
Topic: Italian investor: how to invest long term after recent windfall
Replies: 11
Views: 804

Re: Italian investor: how to invest long term after recent windfall

Thanks again... so my plan is done and i'm almost ready to jump in :) i will invest in 4 tranches during the next 4 months, while this may occurr in higher fees i don't have the stomach for a lump sum. investment will be very vanilla for BH standards, at ISIN  INDEX Weight IE00BFY0GT14 MSCI WORLD I...
by Valuethinker
Tue Jul 16, 2019 7:26 am
Forum: Non-US Investing
Topic: Italian investor: how to invest long term after recent windfall
Replies: 11
Views: 804

Re: Italian investor: how to invest long term after recent windfall

two months ago i have received a sum on top of this (equivalent to 3 years of my current salary) which i plan to fully save and put towards a low cost well diversified portfolio which i plan on keeping for the very long term . .....any other tax related tip? What is your housing situation and are y...
by Valuethinker
Mon Jul 15, 2019 9:40 am
Forum: Non-US Investing
Topic: Italian investor: how to invest long term after recent windfall
Replies: 11
Views: 804

Re: Italian investor: how to invest long term after recent windfall

Hello everybody, I am 33, with stable work and no debt. Until now apart from some reserve cash at hand i have been able to save a little (equivalent to 1 year of my current salary), two months ago i have received a sum on top of this (equivalent to 3 years of my current salary) which i plan to full...
by Valuethinker
Mon Jul 15, 2019 5:34 am
Forum: Personal Finance (Not Investing)
Topic: Relocation to Denver
Replies: 9
Views: 1153

Re: Relocation to Denver

The cost of living in Denver is not that “high”—except for housing costs. Draw a line between your work location and Union Station. Live somewhere along that line. More help here http://www.city-data.com/forum/denver/ I believe that for lower 48 US states the cost of everything is very similar ? *e...
by Valuethinker
Sun Jul 14, 2019 7:39 am
Forum: Personal Investments
Topic: Canada as an EM substitute
Replies: 11
Views: 895

Re: Canada as an EM substitute

Australia resembles Canada very much but with more volatility. It's also on my radar. Maybe I'd use that one also. Australia has more big cap mining stocks and less oil and gas. Both countries have large domestic banking and finance sectors ( c 40% of index) heavily exposed to domestic housing "bub...
by Valuethinker
Sat Jul 13, 2019 4:20 am
Forum: Investing - Theory, News & General
Topic: What’s the value of a company whose capital expenditures are so high that it can’t achieve positive free cash flows?
Replies: 9
Views: 993

Re: What’s the value of a company whose capital expenditures are so high that it can’t achieve positive free cash flows?

For the past few months, I’ve been checking out many companies in the utilities sector and one thing I’ve noticed is that many of these companies have capital expenditures so great that they often exceed the company’s operating cash flow for the year (i.e. the company has negative free cash flow). ...
by Valuethinker
Sat Jul 13, 2019 1:10 am
Forum: Investing - Theory, News & General
Topic: What’s the value of a company whose capital expenditures are so high that it can’t achieve positive free cash flows?
Replies: 9
Views: 993

Re: What’s the value of a company whose capital expenditures are so high that it can’t achieve positive free cash flows?

For the past few months, I’ve been checking out many companies in the utilities sector and one thing I’ve noticed is that many of these companies have capital expenditures so great that they often exceed the company’s operating cash flow for the year (i.e. the company has negative free cash flow). ...
by Valuethinker
Fri Jul 12, 2019 2:41 am
Forum: Non-US Investing
Topic: global bond etf - "eur hedged" if you don't trust the euro ?
Replies: 8
Views: 637

Re: global bond etf - "eur hedged" if you don't trust the euro ?

If I’ve understood the detailed and insightful posts on BH across the forum, the point of hedging isn’t so much the stability of the currency as an entity in itself, but more that we hedge into the currency used in the country in which we need to spend the money. In my case I hedge to GBP because I...
by Valuethinker
Fri Jul 12, 2019 2:18 am
Forum: Investing - Theory, News & General
Topic: Dividends Frequency: US vs International
Replies: 2
Views: 428

Re: Dividends Frequency: US vs International

Earlier today, I was wondering why a Total International Stock Market Index Fund typically has a high Q2/Q4 dividends and a low Q1/Q3 dividends. Whereas, a Total US Stock Market Index Fund has relatively consistent dividends. After a little bit of research, I think that occurs because most internat...
by Valuethinker
Thu Jul 11, 2019 11:34 am
Forum: Personal Investments
Topic: New Military recruit needs help with TSP
Replies: 18
Views: 1583

Re: New Military recruit needs help with TSP

My daughter is in the new US Military BRS (Blended Retirement System) I have convinced her to maximize her TSP contributions. She went to the MyPay web site and the input form said the maximum she is allowed to contribute to Roth is 60% of her base pay. There was a slightly higher limit for Traditi...
by Valuethinker
Thu Jul 11, 2019 11:29 am
Forum: Personal Investments
Topic: Safest way to invest $1 mil for individual with cognitive impairment to protect their assets?
Replies: 32
Views: 3093

Re: Safest way to invest $1 mil for individual with cognitive impairment to protect their assets?

One option would be annuitization which would turn the assets into future year cash flows (income). I don't know whether your relative would consider this, but maybe he would since he's OK with bonds. I'm normally not a fan of annuities but this seems like a case where they could offer protection f...
by Valuethinker
Thu Jul 11, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: Visiting Buffalo,NY / Niagara Falls area - things to see and do?
Replies: 46
Views: 2081

Re: Visiting Buffalo,NY / Niagara Falls area - things to see and do?

DW and I are making a trip to the Buffalo, NY / Niagara Falls area later this month. We'll have a few days in the area, and will have a car to get around. Neither one of us has ever to been the area before. I'm looking for suggestions of things to do and see in the area. Won't have any children in ...
by Valuethinker
Thu Jul 11, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: Visiting Buffalo,NY / Niagara Falls area - things to see and do?
Replies: 46
Views: 2081

Re: Visiting Buffalo,NY / Niagara Falls area - things to see and do?

Aloha, I have travelled from Connecticut to Buffalo over 50 times in the last few years. Here are some adds. 1. Really take the Falls in (like other commentators both Canadian and US sides). Don’t just hang near the falls, but go down and up from the Falls. Specifically, areas around the “whirlpool...
by Valuethinker
Thu Jul 11, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: Visiting Buffalo,NY / Niagara Falls area - things to see and do?
Replies: 46
Views: 2081

Re: Visiting Buffalo,NY / Niagara Falls area - things to see and do?

For a longer daytrip, 1.5 hours east of Buffalo is Canandaigua Lake, which is one of the Finger Lakes. Drive to Canandaigua (city at the northern tip of the lake) and check out the town, waterfront, and nearby breweries and wineries. I've been researching things to do as DW and I plan a trip to the...
by Valuethinker
Tue Jul 09, 2019 11:07 am
Forum: Investing - Theory, News & General
Topic: XIRR Troubleshooting
Replies: 16
Views: 586

Re: XIRR Troubleshooting

I am wondering if withdrawing the whole balance at year end and then contributing it is confusing the XIRR function? Thank you for the reply! I tried removing them and it didn't change the XIRR at all. I.e. if you took (closing balance/ starting balance) ^(1/3)-1 with starting balance as amount con...
by Valuethinker
Tue Jul 09, 2019 10:25 am
Forum: Non-US Investing
Topic: global bond etf - "eur hedged" if you don't trust the euro ?
Replies: 8
Views: 637

Re: global bond etf - "eur hedged" if you don't trust the euro ?

Hi, i'm an investor from germany and plan to setup a conservative etf portfolio that contains: 30% global stocks etf, 70% global bonds etf i know that it is usually recommended to choose a hedged version of a global bond etf, in my case it would be "Euro hedged" (e.g. Vanguard Global Aggregate Bond...
by Valuethinker
Tue Jul 09, 2019 10:08 am
Forum: Investing - Theory, News & General
Topic: XIRR Troubleshooting
Replies: 16
Views: 586

Re: XIRR Troubleshooting

Below is my attempt at using the function for our retirement accounts. It doesn't seem right to me because if we add up our totals we've contributed $ 400,488.20 and the current value of all of these accounts are $ 460,147.35. That seems like more than a 0.19% return over the years, but maybe not? ...
by Valuethinker
Mon Jul 08, 2019 4:06 pm
Forum: Investing - Theory, News & General
Topic: How do you brace for impact?
Replies: 65
Views: 5762

Re: How do you brace for impact?

As a matter of principle, I steer clear of prophets who are in the business of predicting the next economic crisis. However, many of the news sources I consume suggest it is not a matter of IF an economic downturn will happen, but WHEN. As of this post in July 2019, the United States has just recor...
by Valuethinker
Mon Jul 08, 2019 3:56 pm
Forum: Personal Investments
Topic: Buying stock or etf on the London exchange
Replies: 9
Views: 403

Re: Buying stock or etf on the London exchange

Hi. I am interested in buying the Vanguard FTSE 250 UCITS ETF, IShares MSCI United Kingdom Index EWU, Fidelity UK Select Fund, or LLOY stock. Because these are traded on a foreign exchange, I can’t purchase through my Vanguard brokerage account. I know there are a couple of ways to do this — is the...
by Valuethinker
Mon Jul 08, 2019 3:30 pm
Forum: Personal Investments
Topic: Should we invest in an island home?
Replies: 25
Views: 4096

Re: Should we invest in an island home?

DH and I have been renting in Silicon Valley for the past 10+ years and are now at a stage in our lives wanting to build some home equity to diversify our portfolio. Unfortunately, we have been priced out of purchasing a home here in SV since most homes are > $1M in our area. We have saved up about...
by Valuethinker
Mon Jul 08, 2019 12:27 am
Forum: Non-US Investing
Topic: AGGG vs AGGU? (French, 30, living in Singapore)
Replies: 48
Views: 2922

Re: AGGG vs AGGU? (French, 30, living in Singapore)

I am new into investing, trying to figure out the symbol "maze" across exchanges. However I have something interesting to add or rather ASK in this topic. As it has been said all of these symbols: AGGG, AGBP, AGGU, AGGH are of the same fund. The difference lies in distributing vs hedged fund. Distr...
by Valuethinker
Sun Jul 07, 2019 11:17 am
Forum: Investing - Theory, News & General
Topic: John Bogle says investors don't need to own international stocks​
Replies: 42
Views: 3020

Re: John Bogle says investors don't need to own international stocks​

...Any chance anyone could summarize in a quick sentence what the consensus is on this statement from Bogle for a brand new noob, please? Int'l stocks - Yep, or Nope? Many people in the forum will say "Bogle was wrong about that," but I don't think it reaches the level of "consensus." Another way t...
by Valuethinker
Sun Jul 07, 2019 11:13 am
Forum: Investing - Theory, News & General
Topic: John Bogle says investors don't need to own international stocks​
Replies: 42
Views: 3020

Re: John Bogle says investors don't need to own international stocks​

On this lazy Sunday morning, just waiting for the lost dog and that "don't you want to own Nestle and Samsung and Toyota" guy to chime in. My OPINION is VTSAX and God Bless the USA. We were ahead of you. Fair enough and succinctly stated. At least you are honest with yourself and aren't trying to c...
by Valuethinker
Sat Jul 06, 2019 5:29 am
Forum: Personal Finance (Not Investing)
Topic: Land in FEMA Flood Plain
Replies: 23
Views: 1621

Re: Land in FEMA Flood Plain

I've been looking at various pieces of property to buy to build my start-up business. I am considering one specific parcel since it meets all my needs, except for one potential issue. One quarter of the lot is in a Zone A flood plain. It is quite close to a major river that runs through my area. Th...
by Valuethinker
Sat Jul 06, 2019 5:27 am
Forum: Personal Finance (Not Investing)
Topic: Land in FEMA Flood Plain
Replies: 23
Views: 1621

Re: Land in FEMA Flood Plain

I would not purchase property for building within some distance of the official floodplain unless there was significant gain of elevation. Indeed. We moved to our current location about 12 years ago. We are approx 12-15 feet above MLW but there is significant marsh areas around or nearby that can a...
by Valuethinker
Sat Jul 06, 2019 5:13 am
Forum: Investing - Theory, News & General
Topic: Hedge Fund carry
Replies: 8
Views: 858

Re: Hedge Fund carry

I'm an LP in a hedge fund and recently saw the 2017 financials. It looks like they automatically withdraw their carry from the account at EOY. I had assumed that carry is taken from an investor's realized gains once he withdraws money from the fund. That must be how it typically works in a VC fund,...
by Valuethinker
Mon Jul 01, 2019 1:31 pm
Forum: Non-US Investing
Topic: Feedback on my Portfolio Strategy
Replies: 7
Views: 611

Re: Feedback on my Portfolio Strategy

Dear all, Thank you so much for the feedback, these are great points! My answers: 1) Weight of Emerging Markets: Regarding Andrew and Valuethinker's comments. I downloaded the Market Cap of domestic publicly listed companies by country from the world bank. Out of the 68 trillion USD in global marke...
by Valuethinker
Mon Jul 01, 2019 7:20 am
Forum: Non-US Investing
Topic: Feedback on my Portfolio Strategy
Replies: 7
Views: 611

Re: Feedback on my Portfolio Strategy

Dear Bogleheads, I've been reading the Non-US section posts for a while now, and now I would love to get your feedback on my portfolio strategy. Personal background: * Born and raised in a South American country * Permanent resident of Mexico * 30 years old * Long term investment objective (+15 yea...
by Valuethinker
Fri Jun 28, 2019 7:00 pm
Forum: Non-US Investing
Topic: Study: The Rate of Return on Everything, 1870-2015
Replies: 185
Views: 33368

Re: Study: The Rate of Return on Everything, 1870-2015

A blogger I have been in occasional contact with posted two articles reflecting on the data from the Rate of Return on Everything study. The first blog article reflects on the possible use of real estate (housing) income as a diversifier: https://evergreensmallbusiness.com/rate-of-return-on-everyth...
by Valuethinker
Thu Jun 27, 2019 11:05 am
Forum: Non-US Investing
Topic: US citizens resident in Europe -- what do you do?
Replies: 13
Views: 2257

Re: US citizens resident in Europe -- what do you do?

Hi Sean, Any update on what you eventually decided to do for European investment options? I am an American living in Germany, and facing the exact same issue you describe above. I'm currently considering either building a basket individual securities, or converting EUR to USD and investing via my e...
by Valuethinker
Thu Jun 27, 2019 3:55 am
Forum: Non-US Investing
Topic: Just take the default portfolio? (Croatia)
Replies: 10
Views: 981

Re: Just take the default portfolio? (Croatia)

I'm 44, married, and have €70.000 and $40.000 to invest. My wife and I also own some real estate. I'm not thinking about retiring (my pension will be tiny), I just want to put my cash somewhere useful. My income is mostly in $. For tax reasons I'm limited to ETFs that are accumulating, and domicile...
by Valuethinker
Wed Jun 26, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a condo in Chicago?
Replies: 52
Views: 5275

Re: Should I buy a condo in Chicago?

I live in the Chicago suburbs (used to live in the city before the kiddos arrived). Chicago does has enough problems that I could spend the next hour filling up this whole page with all of them. However, it is the 3rd largest city in the richest country on earth. It is a true global city more compa...
by Valuethinker
Wed Jun 26, 2019 11:07 am
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 278
Views: 22101

Re: Crypto bulls are back. Are you getting in?

Ok. I’ll admit I’m starting to think I should consider getting in on this. I have maintained, and still maintain crypto is incredibly stupid. But other people, for reasons that continue to elude me, seem to think otherwise. They passionately believe in this stuff. I’ve talked to them. It’s true. Th...
by Valuethinker
Wed Jun 26, 2019 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy a condo in Chicago?
Replies: 52
Views: 5275

Re: Should I buy a condo in Chicago?

I live in the Chicago suburbs (used to live in the city before the kiddos arrived). Chicago does has enough problems that I could spend the next hour filling up this whole page with all of them. However, it is the 3rd largest city in the richest country on earth. It is a true global city more compa...
by Valuethinker
Wed Jun 26, 2019 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Considering adding second level to house [Bay Area]
Replies: 37
Views: 2684

Re: Considering adding second level to house [Bay Area]

I currently own a 1600 sqft one-story single family house in the Bay Area. I am considering adding a second level, potentially 1000 sqft in a self-contained unit (turning my house into a duplex). The property is already zoned for multifamily housing, and numerous neighbors have already added their ...
by Valuethinker
Wed Jun 26, 2019 6:06 am
Forum: Non-US Investing
Topic: Australian citizen investing in Australian property from the USA
Replies: 15
Views: 931

Re: Australian citizen investing in Australian property from the USA

In response to the crisis of 2008 the Finance Minister of the time (now deceased), loosened home lending standards. The Canada Mortgage and Housing Corporation (CMHC) provides the loan insurance (PMI) required if you are less than 20% equity. That was expanded and the mortgage rules relaxed (the pr...
by Valuethinker
Tue Jun 25, 2019 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Help choose COLA Pension or Not
Replies: 25
Views: 1314

Re: Help choose COLA Pension or Not

A point is being missed by those who say non COLA is clear winner. To say that they have to make an assumption re inflation. But that's the unknown. COLA plan has less risk. It Carrie's inflation insurance with it. Probably that insurance does not pay off. But it's not a straight loss if your father...
by Valuethinker
Tue Jun 25, 2019 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a condo in Chicago?
Replies: 52
Views: 5275

Re: Should I buy a condo in Chicago?

WKeep renting, for now. Revisit after getting marrie55et¹d. Remind yourself that renting is not "throwing money away", and enjoy your independence. flexibility. I think is the key. If settling down buying a home is justified. But there are too many uncertainties in OP's life at this point. And the ...
by Valuethinker
Tue Jun 25, 2019 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a condo in Chicago?
Replies: 52
Views: 5275

Re: Should I buy a condo in Chicago?

I live in Chicago, in a high rise in streeterville. Yes it's a wealthier neighborhood but I believe lots of Lakeview/ Lincoln Park are great (some very rich) areas that are not high rises. I rent though for now. I'm 30, single, I'm just not convinced owning is a massive financial boon, unless you K...
by Valuethinker
Tue Jun 25, 2019 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a condo in Chicago?
Replies: 52
Views: 5275

Re: Should I buy a condo in Chicago?

If I were a single person, I would not be in a rush to purchase. There can be advantages to a couple purchasing together and making a life there. Otherwise one is just "moving in" with the other, and has basically no say in many of the choices. To me it would limit my freedom, unless I were just dy...