Search found 69 matches
- Sun Feb 04, 2018 7:43 am
- Forum: Investing - Help with Personal Investments
- Topic: What Would You Do With $100,000 Right Now
- Replies: 28
- Views: 2943
Re: What Would You Do With $100,000 Right Now
- Pay off non-mortgage debt - 42K - Pay off Mortgage to the point where I do not owe PMI - about 30K - Book a deluxe Disney World Vacation for this summer for my family - 8k - Some house remodeling & maintenance items - 15k - Add to Emergency fund - 5k *Doing the Roth IRA contributions would be the ...
- Sat Aug 19, 2017 9:11 am
- Forum: Investing - Theory, News & General
- Topic: Are vanilla index funds equally weighted by ownership stake?
- Replies: 1
- Views: 303
Are vanilla index funds equally weighted by ownership stake?
Correct me if I'm wrong, Equally weight index funds divide their assets equally among the companies in an index. For example an equally weighted S&P 500 index fund would have approximately 0.2% of assets in each company in the index. Well, wouldn't a regular index fund also be equally weighted, but ...
- Mon Mar 20, 2017 12:36 pm
- Forum: Investing - Help with Personal Investments
- Topic: Out of the norm all-equity portfolio to compliment pensions
- Replies: 13
- Views: 951
Re: Out of the norm all-equity portfolio to compliment pensions
It looks like people are rushing into emerging markets now that they've had a nice 15% pop. Fools rush in you know. I didn't even know that they had done well. I thought they were still down. I don't really follow markets besides the S&P 500 (and whatever is in my portfolio). I am not one to chase ...
- Sun Mar 19, 2017 9:25 am
- Forum: Investing - Help with Personal Investments
- Topic: Out of the norm all-equity portfolio to compliment pensions
- Replies: 13
- Views: 951
Out of the norm all-equity portfolio to compliment pensions
My wife and I both contribute to government pensions (mine is state, her's is local). In addition to that we have begun contributing to a 403B. At first our choices were mostly overpriced actively managed funds. I was in a T Rowe Price target date fund. They have now added some index funds and I am ...
- Wed Jun 08, 2016 6:11 am
- Forum: Investing - Help with Personal Investments
- Topic: Opinion on 35% International / 65% Domestic?
- Replies: 17
- Views: 1732
Opinion on 35% International / 65% Domestic?
Quick question: Thoughts on an equity breakdown of 35% International vs 65% Domestic?
Does that same about average to you? Thanks.
Does that same about average to you? Thanks.
- Sat May 07, 2016 7:06 pm
- Forum: Investing - Help with Personal Investments
- Topic: Should I be worried about dividends in my 403b?
- Replies: 4
- Views: 571
Re: Should I be worried about dividends in my 403b?
Who is your 403(b) provider and which fund is it? Maybe someone else here has direct experience with them. Do you get statements (monthly, quarterly, whenever)? It may be that the fund doesn't pay out dividends and then reinvests them to give you more shares. Instead, they may simply be folded into...
- Sat May 07, 2016 6:38 pm
- Forum: Investing - Help with Personal Investments
- Topic: Should I be worried about dividends in my 403b?
- Replies: 4
- Views: 571
Should I be worried about dividends in my 403b?
I have a 403b account and all of my money is invested in a target date fund. From what I understand, with retirement accounts they automatically invest dividends. However, I do not see any details on the provider website detailing when dividends were paid and how much where they. Is this something I...
- Sun Apr 17, 2016 9:04 pm
- Forum: Investing - Theory, News & General
- Topic: Do Lazy Portfolio's work with Active Funds?
- Replies: 4
- Views: 696
Do Lazy Portfolio's work with Active Funds?
For Retirement plans that are missing index funds for certain asset classes, do you think an actively managed fund (or an equal split among all of the available active funds) could be a reasonable substitute for that asset class? For example my retirement plan does not offer an index fund for intern...
- Wed Apr 13, 2016 5:04 pm
- Forum: Investing - Help with Personal Investments
- Topic: 1/3 SCV / Emerging Market / REIT
- Replies: 39
- Views: 3994
Re: 1/3 SCV / Emerging Market / REIT
For the stock side, consider 20% US large cap blend, 20% SCV, 20% REIT (consider splitting between US and international), 20% Developed international (or 10% int'l small and 10% int'l value if you want to tilt), and 20% EM. You'll want to balance the risk with a high quality bond fund such as a int...
- Sat Apr 09, 2016 7:02 am
- Forum: Investing - Help with Personal Investments
- Topic: 1/3 SCV / Emerging Market / REIT
- Replies: 39
- Views: 3994
1/3 SCV / Emerging Market / REIT
Hypothetical Portfolio: 1/3 equal parts each of Small Cap Value, Emerging Market Index and REIT index. All very volatile, all have a high expected rate of return. Reasoning: 1. High Long Term Return. Though no one one knows the future, the expected return of these asset classes (at least SCV and EM)...
- Tue Mar 08, 2016 8:51 am
- Forum: Investing - Help with Personal Investments
- Topic: What happens to Dividend Yields when the stock market tanks?
- Replies: 5
- Views: 1644
What happens to Dividend Yields when the stock market tanks?
3 Questions: 1) Is there a site that allows me to see the quarterly/yearly dividend amounts/yields for a mutual fund? I can only seem to find sites that show total return. 2) When the stock market tanks what usually happens to the amount of dividends given off by a Dividend paying fund such Vanguard...
- Sat Mar 05, 2016 2:18 pm
- Forum: Investing - Theory, News & General
- Topic: Index Performance vs Active Mangagement w/o fees?
- Replies: 35
- Views: 3846
Index Performance vs Active Mangagement w/o fees?
Is there any research/discussion out there on the performance of Active Management if fees were ignored? Is their underperformance solely due to the fees (on average)?
- Tue Mar 01, 2016 9:27 am
- Forum: Investing - Help with Personal Investments
- Topic: 403B Q: TRP Target Date vs Self Constructed Active Fund Allocation
- Replies: 3
- Views: 330
Re: 403B Q: TRP Target Date vs Self Constructed Active Fund Allocation
In our district's 457b, the T.Rowe Price target date funds were replaced with BlackRock Lifepath index funds with ER of under .2%. What company operates your plan? Does your district have a committee that oversees the plan, or does HR just handle it? There is a commitee but they seem clueless. Some...
- Tue Mar 01, 2016 8:43 am
- Forum: Investing - Help with Personal Investments
- Topic: 403B Q: TRP Target Date vs Self Constructed Active Fund Allocation
- Replies: 3
- Views: 330
403B Q: TRP Target Date vs Self Constructed Active Fund Allocation
Can I have your opinion on what I should do? Background info: I'm 33 My goal is to retire early in 24 years (2040) My wife and I both have state pensions My 403B through my school is not very good and I am debating between the possible two paths 1. 100% in T Rowe Price 2040 Target Fund (rrtdx) Expen...
- Sun Feb 28, 2016 6:29 pm
- Forum: Investing - Help with Personal Investments
- Topic: Give me the 101 on Corporate Bond Funds
- Replies: 7
- Views: 1109
Re: Give me the 101 on Corporate Bond Funds
I have never looked seriously at Corporate Bonds (I have only ever used Total Bond Fund or Government Bond Funds). I just glanced at the Vanguard Long-Term Corporate Bond ETF and was a little surprised by the yield which is 4.89%. That seems like a pretty good deal. That's a higher yield than Vangu...
- Sun Feb 28, 2016 2:15 pm
- Forum: Investing - Help with Personal Investments
- Topic: Give me the 101 on Corporate Bond Funds
- Replies: 7
- Views: 1109
Give me the 101 on Corporate Bond Funds
I have never looked seriously at Corporate Bonds (I have only ever used Total Bond Fund or Government Bond Funds). I just glanced at the Vanguard Long-Term Corporate Bond ETF and was a little surprised by the yield which is 4.89%. That seems like a pretty good deal. That's a higher yield than Vangua...
- Thu Feb 25, 2016 2:49 pm
- Forum: Investing - Theory, News & General
- Topic: What withdrawal % are you planning on?
- Replies: 89
- Views: 8253
Re: What withdrawal % are you planning on?
I'm only 33 and my wife and I both have pensions at very stable jobs so it's a little difficult to project out nearly 30 years from now. However from looking at the Trinity Study, 4% on a 50% stock/ 50% Bond mix seemed to be the one that appealed that seemed to make the most sense from a numbers sta...
- Mon Feb 22, 2016 3:52 pm
- Forum: Investing - Theory, News & General
- Topic: At what rate would you borrow to invest?
- Replies: 81
- Views: 8341
Re: At what rate would you borrow to invest?
1% or less. Even if it was available I think I'm too lazy to pursue this unless it was very easy to obtain. But yeah, if I could borrow money at 1% interest or less and the monthly payments were say interest only, I'd do it. As far as how I'd invest, maybe I'd go for the Permanent Portfolio or somet...
- Tue Feb 16, 2016 2:02 pm
- Forum: Investing - Help with Personal Investments
- Topic: 403b provider choices
- Replies: 58
- Views: 5240
Re: 403b provider choices
I had similar options in my 403b (littered with insurance companies selling crappy annuities). I contacted my school district and after expressing my disappointment they steered me towards one of the firms that had a mutual fund option and lower fees. Looking at your list, I'd check out the companie...
- Tue Feb 16, 2016 1:58 pm
- Forum: Personal Consumer Issues
- Topic: Weight Loss Plans?
- Replies: 178
- Views: 17893
Re: Weight Loss Plans?
Weight Watchers is the only thing that works for me (I'm down 35 lbs from my peak). I was very hesitant to join as I think everything is a scam. The accountability of weigh-in's and meetings and their nutritional guidelines seem to click with me. BTW, they recently changed their points system to ste...
- Mon Feb 15, 2016 12:09 pm
- Forum: Personal Finance (Not Investing)
- Topic: Just an FYI for anyone using H&R Block online
- Replies: 7
- Views: 962
Re: Just an FYI for anyone using H&R Block online
I think you did something wrong. I am also a teacher and I used H&R block online and I was able to deduct the $250 educator expense.
- Sat Feb 13, 2016 6:23 pm
- Forum: Investing - Theory, News & General
- Topic: Stocks / Bonds / Gold Portfolio Backtested
- Replies: 7
- Views: 1283
Re: Stocks / Bonds / Gold Portfolio Backtested
Why did you pick 1971 as a starting point? That's the year the data starts as the portfolio visualizer. If you know of a tool that would let me start earlier, let me know. I'm not familiar with these tools, but using what you've already got, how do the results look if you use a starting point of 19...
- Sat Feb 13, 2016 6:16 pm
- Forum: Investing - Theory, News & General
- Topic: Stocks / Bonds / Gold Portfolio Backtested
- Replies: 7
- Views: 1283
Re: Stocks / Bonds / Gold Portfolio Backtested
That's the year the data starts at portfoliovisualizer.com. If you know of a tool that would let me start earlier, let me know.climber2020 wrote:Why did you pick 1971 as a starting point?
- Sat Feb 13, 2016 6:15 pm
- Forum: Investing - Theory, News & General
- Topic: S&P500 has basically gone nowhere for 15 years
- Replies: 59
- Views: 8271
Re: S&P500 has basically gone nowhere for 15 years
Wow the comments on that guy's post are alarming, very uneducated people. The lack of financial and investment knowledge in the real world is mind-blowing. At my job (I'm a high school teacher) I have encountered 2 people that have any solid understanding of investing (one is the principal who come...
- Sat Feb 13, 2016 6:08 pm
- Forum: Investing - Theory, News & General
- Topic: Stocks / Bonds / Gold Portfolio Backtested
- Replies: 7
- Views: 1283
Stocks / Bonds / Gold Portfolio Backtested
I was reading about Permanent Portfolio and I was wondering how it would fair without the 25% allocation to cash. So I backtested a 1/3 stocks, 1/3 bonds, 1/3 Gold. I was pretty impressed with the results. The $10,000 grows at a CAGR of 9.41 and would end up as $523,485. The best year was a whopping...
- Fri Feb 12, 2016 1:09 pm
- Forum: Investing - Theory, News & General
- Topic: Any regrets by people 50+ for having a conservative portfolio in their 30's
- Replies: 68
- Views: 9818
Re: Any regrets by people 50+ for having a conservative portfolio in their 30's
I am 49 and was always 100% equities until very recent years because I didn't know any better. Now I am staying around 74-78% equities and I am comfortable with those numbers. We probably have about 14 years before we will need to touch the money. I don't regret being 100% equities, mainly because ...
- Thu Feb 11, 2016 8:21 am
- Forum: Investing - Theory, News & General
- Topic: Boglehead mentality re todays oil price
- Replies: 85
- Views: 7676
Re: Boglehead mentality re todays oil price
Thank you for this thread. I had a momentary impulsive urge today to put some money into Oil but reading this thread reminded me of the principles that brought me here. The money stays in my Target Retirement Fund. 

- Tue Feb 09, 2016 11:57 am
- Forum: Investing - Help with Personal Investments
- Topic: Advice on my lackluster 403B options
- Replies: 9
- Views: 661
Re: Adice on my lackluster 403b options
I posted it on the wrong board. I indicated in that thread for it be merged. Sorry for the duplicate post.
- Tue Feb 09, 2016 11:11 am
- Forum: Investing - Help with Personal Investments
- Topic: Advice on my lackluster 403B options
- Replies: 9
- Views: 661
Re: Advice on my lackluster 403B options
I just realized that I posted this in the wrong board. I reposted over there. Mods, you are welcome to merge threads. Thanks.
- Tue Feb 09, 2016 10:21 am
- Forum: Investing - Help with Personal Investments
- Topic: Advice on my lackluster 403B options
- Replies: 9
- Views: 661
Advice on my lackluster 403B options
I am 33 years old and have the below options available to me within my 403B plan. They are not great. There is a Vanguard S&P 500 but as you can see after the Custodian's fund fee's it's no longer a great deal. Also the custodian expenses are higher (.60) and I don't like the way they deduct from my...
- Fri Jan 15, 2016 12:40 pm
- Forum: Investing - Help with Personal Investments
- Topic: Is this bad 403B even worth doing?
- Replies: 5
- Views: 498
Is this bad 403B even worth doing?
My 403B comes with a wrapper fee of about 1.25% on top of the fund expenses. There are some index funds to pick from but they are not of the affordable variety. They have expense ratios around .5%. Is it even worth investing in the 403B with a total expense ratio of around 1.75%? My plan is to max o...
- Tue Jan 12, 2016 11:23 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in freefall
- Replies: 6393
- Views: 1371708
Re: U.S. stocks in freefall
I don't know anything about anything and I can find a flaw in your arguments. Every single one. IT'S ALREADY PRICED IN! The thousands of investors, many with high iq's, ivy league degrees, decades of experience and look at these numbers daily have spoken and about half the money thinks prices are t...
- Fri Jan 08, 2016 12:19 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in freefall
- Replies: 6393
- Views: 1371708
Re: U.S. stocks in freefall
I'd like to point out that my move to bonds wasn't initiated because of the movement of the Chinese market, it was a trigger. My movement was based far more on geopolitical concerns. The Chinese market move only served as confirmation (bias) of some larger trends. I'll sum it up briefly so we can a...
- Sun Nov 29, 2015 5:20 pm
- Forum: Investing - Theory, News & General
- Topic: 70/30 w/Treasuries Only or 60/40 w/Total Bond?
- Replies: 23
- Views: 4504
Re: 70/30 w/Treasuries Only or 60/40 w/Total Bond?
I've heard it mentioned that Treasures are like ultra-short duration bonds? Is there any truth to that? If so I would think that the 70/30 Treasures Only mix would have a slightly higher yield as well as slightly higher risk since the Percent of Stock vs. Stable Investment (Bond or Treasures) is mak...
- Mon Oct 19, 2015 10:35 am
- Forum: Investing - Help with Personal Investments
- Topic: Is any of my capital at risk b/c of the Lawsuit
- Replies: 22
- Views: 3632
Is any of my capital at risk b/c of the Lawsuit
I'm sure most of you are aware of the lawsuit against Vanguard (read https://www.bogleheads.org/forum/viewtopic.php?f=10&t=143686&start=450 ). It keeps bothering me that the company that is holding my retirement assets is involved in a lawsuit where they could theoretically owe millions/billions of ...
- Wed Sep 09, 2015 8:38 am
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in freefall
- Replies: 6393
- Views: 1371708
Re: U.S. stocks in freefall
It Ii difficult to do anything in is environment. On the down day Friday, one could not buy for fear of catching a falling knife. On the up day Tuesday, one could not buy because the price was up too much. This morning, I wish I made a purchase yesterday. As far as I'm concerned buying "dips" is ju...
- Tue Sep 08, 2015 5:36 pm
- Forum: Investing - Help with Personal Investments
- Topic: Could John Bogle Be Right About International Stock?
- Replies: 222
- Views: 32230
Re: Could John Bogle Be Right About International Stock?
The best choice will always be 100% in the single asset that returns the most over whatever span you are measuring. However since that is unknowable investing 100% in any asset is always the "wrong" choice. Currency Risks, Taxation issues, and the higher expense ratio of the total world stock index...
- Tue Sep 08, 2015 4:10 pm
- Forum: Investing - Help with Personal Investments
- Topic: Could John Bogle Be Right About International Stock?
- Replies: 222
- Views: 32230
Re: Could John Bogle Be Right About International Stock?
The best choice will always be 100% in the single asset that returns the most over whatever span you are measuring. However since that is unknowable investing 100% in any asset is always the "wrong" choice. Currency Risks, Taxation issues, and the higher expense ratio of the total world stock index ...
- Fri Sep 04, 2015 8:42 am
- Forum: Investing - Theory, News & General
- Topic: Index Investing for the Future
- Replies: 16
- Views: 1820
Re: Index Investing for the Future
Would it not be a safer bet to find specific opportunities within the stock market itself? That way, you are not controlled by the growth of the general market, rather you carefully select issues that would appear to be defensive and more conservative? The problem is that any information you know a...
- Fri Sep 04, 2015 8:29 am
- Forum: Investing - Theory, News & General
- Topic: Beware of the Death Cross
- Replies: 17
- Views: 3592
Re: Beware of the Death Cross
Thanks for posting. Reassuring to read.
- Wed Sep 02, 2015 2:19 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in freefall
- Replies: 6393
- Views: 1371708
Re: U.S. stocks in freefall
A genuine question for those who believe there is nothing to fret about; what potential GOOD news do you see coming out in the next few months that would counteract the collapse of the global commodities market and China's declining importation of said raw materials? I am in a position to gamble gi...
- Wed Sep 02, 2015 2:13 pm
- Forum: Investing - Theory, News & General
- Topic: Dave Ramsey's Advice - Evaluated with Actual Returns from His Company's 401K
- Replies: 20
- Views: 4003
Re: Dave Ramsey's Advice - Evaluated with Actual Returns from His Company's 401K
His advice for the accumulation phase of retirement is "ok." It's his advice in retirement and near-retirement that is downright dangerous. He wants you to be in 100% equities and has suggested an 8% withdrawal rate as reasonable. That is way too volatile and risky for most people.
- Fri Aug 21, 2015 9:53 am
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in freefall
- Replies: 6393
- Views: 1371708
Re: U.S. stocks in freefall
I went to Cash a week or so ago in my Roth IRA because I'm moving from Schwab to Vanguard and I figured cash would be easier to move. Not a market timer but feels good to have dodged a few percentage points of losses by accident. I will jump back in once the transfer is complete.
- Thu Aug 13, 2015 9:04 pm
- Forum: Investing - Theory, News & General
- Topic: Emerging Markets Equity % of AA
- Replies: 24
- Views: 2837
Re: Emerging Markets Equity % of AA
20% of my equities. 16% of my entire portfolio. I'm obviously overweight in them
- Tue Aug 11, 2015 10:26 pm
- Forum: Investing - Theory, News & General
- Topic: New $1 additional investment minimum at Vanguard
- Replies: 28
- Views: 6797
Re: New $1 additional investment minimum at Vanguard
The new $1 minimum at Vanguard is lower than all the others I am aware of. For example, Fidelity is $10, and Schwab is $100. Automate Your Investments is a gee-whiz piece on considerations. Of course all require you to invest in their funds to avoid fees. Schwab is $100 minimum initial and $1 for a...
- Fri Aug 07, 2015 8:23 am
- Forum: Investing - Help with Personal Investments
- Topic: Opinions on this allocation/glide path
- Replies: 13
- Views: 1700
Re: Opinions on this allocation/glide path
Wade Pfau recently published a research paper regarding glide paths. He recommends a "rising equity guide path." I think he makes a lot of sense. There was a recent thread on this topic if you want to search for it. Here is a quote: Wade Pfau – Rising Equity Glide Path "the optimal equity exposure ...
- Wed Aug 05, 2015 8:33 pm
- Forum: Investing - Theory, News & General
- Topic: New $1 additional investment minimum at Vanguard
- Replies: 28
- Views: 6797
Re: New $1 additional investment minimum at Vanguard
The new $1 minimum at Vanguard is lower than all the others I am aware of. For example, Fidelity is $10, and Schwab is $100. Automate Your Investments is a gee-whiz piece on considerations. Of course all require you to invest in their funds to avoid fees. Schwab is $100 minimum initial and $1 for a...
- Mon Aug 03, 2015 6:16 pm
- Forum: Investing - Help with Personal Investments
- Topic: Should I be concerned with my Emerging Markets Fund?
- Replies: 11
- Views: 1872
Should I be concerned with my Emerging Markets Fund?
I am new to investing (I started my first Roth IRA 8 Months ago). I began with Schwab because I don't have a lot to contribute and Schwab has very low minimums ($100 to buy in a fund and $1 for additional contributions) as well as some competitive index funds. My desired asset allocation puts a cert...
- Sun Aug 02, 2015 10:04 pm
- Forum: Investing - Help with Personal Investments
- Topic: Opinions on this allocation/glide path
- Replies: 13
- Views: 1700
Re: Opinions on this allocation/glide path
Any other thoughts?
- Wed Jul 29, 2015 9:25 pm
- Forum: Investing - Theory, News & General
- Topic: Crazy Stock Investment Idea
- Replies: 21
- Views: 2567
Re: Crazy Stock Investment Idea
I found an ETF that uses a similar strategy It's called the ALPS Sector Dividend Dogs ETF (SDOG), it is based on the S-Network Sector Dividend Dogs Index (^SDOGX). (http://sdogx.snetglobalindexes.com). I'll have to dig into performance comparisons later.