Search found 452 matches

by Regal 56
Tue Mar 24, 2015 7:51 am
Forum: Investing - Theory, News & General
Topic: Should I invest my emergency fund?
Replies: 82
Views: 17026

Re: Should I invest my emergency fund?

I keep two separate emergency funds: one small and one large. The smaller fund is for the unplanned but inevitable stuff that crops up during the year. A leaky roof, car repairs, expensive dental work, minor medical emergency—things that, though they’re expensive, won’t financially destroy me. For t...
by Regal 56
Wed Feb 18, 2015 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Advice to Mother/Father In Law
Replies: 16
Views: 1799

Re: Investing Advice to Mother/Father In Law

The broker said that she has made "18-20%" and that it's not unusual to average 10-12% per year. Actually, none of that may be false. For example, my own annualized gain for the last five years is over 10%. And I made 30% in 2009, when anyone with a pulse could’ve made 30%. Of course none...
by Regal 56
Wed Jan 28, 2015 10:19 pm
Forum: Investing - Theory, News & General
Topic: What mutual fund companies do you use?
Replies: 63
Views: 5297

Re: What mutual fund companies do you use?

For me, it came down to a choice between T. Rowe Price or Dodge & Cox. I went with the former. I could pretend it was a carefully researched and thoroughly rational decision. But honestly, it probably was an emotional choice. T. Rowe Price just felt right. My decision was at least in part due to...
by Regal 56
Mon Jan 19, 2015 8:12 pm
Forum: Investing - Theory, News & General
Topic: Poll: Your Max. REIT Allocation
Replies: 56
Views: 7914

Re: Poll: Your Max. REIT Allocation

To make matters simple, I allocate equally between 7 funds. According to my calculator, I should have 14.2857148571429% allocated to my real estate fund. After rebalancing at the beginning of 2015, I was roughly there. Right now, it’s at 15.74%. Just keeps going up, as it did in 2014. So maybe it’ll...
by Regal 56
Sun Jan 11, 2015 7:18 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3124
Views: 919673

Re: What Movie Have You Recently Watched?

I still think the Pink Elephants sequence from Dumbo is simply astonishing. I first saw it when I was five years old and, uh, it holds up six decades later. Not only the animation, but the song itself. Walt Disney had a lurid bent for conjuring nightmares and putting them into children’s movies. Is...
by Regal 56
Sat Jan 10, 2015 9:53 pm
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 140
Views: 18174

Re: What is the international portion of your portfolio and

60% domestic 40% international Probably could go lower on international, since domestic companies do so much business overseas. And there may be some recency bias in my allocation—it wasn’t long ago that foreign stocks were going gangbusters. Of course, last year was bad for foreign stocks. But it i...
by Regal 56
Wed Jan 07, 2015 11:10 pm
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 557
Views: 38392

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

mickeyd wrote:I always go with an increase of 5%. That’s bound to be a winning strategy in 2015.

2161.85


I picked 2161.845. You’ll be sorry when I beat you by .005. Trust the calculator and never round up.
by Regal 56
Sun Jan 04, 2015 5:38 pm
Forum: Investing - Theory, News & General
Topic: Do you rebalance each time you fund your account?
Replies: 25
Views: 2563

Re: Do you rebalance each time you fund your account?

I rebalance at the beginning of each year. Generally, I also entirely fund my IRA at the beginning of the year. So I suppose that qualifies as a “yes” to your question. Unlike most years, this year it’ll take more time to fully fund my IRA. (2014 was the year from hell for major expenses. So I don’t...
by Regal 56
Thu Jan 01, 2015 7:22 pm
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 557
Views: 38392

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

The purpose of this contest, of course, is frivolous. But I take financial prognostication seriously. Thus, I’ve exhaustively researched my prediction, drawing on all resources that don’t require me to move from my recliner. I’ve also sacrificed various small creatures. (Metaphorically, of course. I...
by Regal 56
Thu Jan 01, 2015 11:06 am
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 18907

Re: [Annual POLL] What was your 2014 return?

My return was a measly +4.26%. My portfolio is 60/40 on domestic and international, so the international side didn’t help. Natural resources didn’t do well either. Real estate was the big winner.
by Regal 56
Sun Dec 21, 2014 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: What "actively" managed funds do you own?
Replies: 82
Views: 7392

Re: What "actively" managed funds do you own?

I am surprised by all the posts. Apparently not all Bogleheads are purists! There are varying degrees of purity. While some don’t drink all the Kool-Aid, we’re happy to sip from the cup. If I have a reasonable portfolio and refrain from leaping in and out of the market, then I’m adhering to at leas...
by Regal 56
Sat Dec 20, 2014 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: What "actively" managed funds do you own?
Replies: 82
Views: 7392

Re: What "actively" manged funds do you own?

There are seven funds in my IRA—all of them managed funds. The expense ratio for my entire portfolio breaks down to 0.92%. (If that doesn’t bring on the torches and pitchforks, then nothing will.) When I first looked into investing, it came down to a three-sided coin flip between Dodge & Cox, T....
by Regal 56
Sat Nov 01, 2014 2:35 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1617
Views: 290283

Re: What are you up YTD?

I apologize for responding with questions. However: Why check this? Is this part of your IPS? Does it make you feel better? What’s the fun of being on a roller coaster if you’re just gonna close your eyes throughout the ride? The caveat of having fun with core long-term investment is that one may r...
by Regal 56
Fri Oct 31, 2014 10:05 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1617
Views: 290283

Re: What are you up YTD?

Wildebeest wrote:I apologize for responding with questions.

However:

Why check this? Is this part of your IPS? Does it make you feel better?


What’s the fun of being on a roller coaster if you’re just gonna close your eyes throughout the ride?
by Regal 56
Fri Oct 31, 2014 7:36 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1617
Views: 290283

Re: What are you up YTD?

At one point during October, I was in the red YTD. Today I’m up 6%. Next week, who knows? Gotta love Mr. Market—he gives us a wild ride.
by Regal 56
Fri Oct 31, 2014 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Prudent Investment Portfolio for 58-year Old w/20M Net Worth
Replies: 39
Views: 5926

Re: Prudent Investment Portfolio for 58-year Old w/20M Net W

He didn't build his wealth, his extremely eldery father did. He's so unknowledgeable about investing that he could easily lose half his wealth to financial advisors. That's why I'm hoping to assess this the Boglehead's way. ...and: I am asking for thoughts not for myself, but for a friend who recen...
by Regal 56
Thu Oct 23, 2014 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Do all mutual funds have 12b-1 fees?
Replies: 23
Views: 4568

Re: Do all mutual funds have 12b-1 fees?

I asked if there were any other fees. He said that of course there would also be a 12b-1 fee, but that I would pay that fee anywhere, even if I took my money to any company I wanted for an IRA. [He brought this up, not me.] I questioned this and said that all mutual funds have expenses as indicated...
by Regal 56
Wed Oct 22, 2014 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Anchoring vs. Buy-and-Hold
Replies: 15
Views: 1936

Re: Anchoring vs. Buy-and-Hold

Anchoring is applicable to those who buy and sell, hoping to make a profit on the timely execution of their decisions. Buy and hold investors aren’t doing this. They instead are buying broadly diversified assets and holding them in the belief that, over time, they’ll make a profit. Buy and hold inve...
by Regal 56
Thu Oct 16, 2014 7:19 pm
Forum: Investing - Theory, News & General
Topic: Putting Active Management to the Test
Replies: 117
Views: 18994

Re: Putting Active Management to the Test

While I find this thread interesting, I’m not sure it’ll show anything useful. Had you limited yourself to choosing only a handful of funds—say, no more than five—then it might be a reasonably compelling test of your ability to pick funds that outperform. But you’re picking 24 funds. So let’s say te...
by Regal 56
Wed Oct 15, 2014 8:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4184
Views: 1117039

Re: U.S. stocks in freefall

Obviously Mr. Market knows this, and decided to get his licks in now when it hurts me more. By the way, if this downturn is hurting others besides me, please accept my sincere apology. You’re not the target of Mr. Market’s ire. It’s me he’s after. Everyone else is collateral damage. Hey don't be tr...
by Regal 56
Tue Oct 14, 2014 8:46 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4184
Views: 1117039

Re: U.S. stocks in freefall

My YTD porfolio is very close to 0% Oct 13th. I made nothing and lost nothing for 10 months. I’m a bit below zero for the year. But it’s not yet the lowest point for 2014. On the 3rd of February I was down 4.44% YTD. At the rate we’re going now, I’ll surpass that nadir by the end of the week. I was...
by Regal 56
Tue Sep 16, 2014 6:50 am
Forum: Investing - Help with Personal Investments
Topic: Talk Me Off The Edge
Replies: 8
Views: 2137

Re: Talk Me Off The Edge

Bear in mind that the purpose of bonds in your portfolio isn’t high returns. (Long term, stocks do much better than bonds.) Rather, you hold bonds to cushion your portfolio against a stock market crash. Currently, stocks have had a good long run. Almost everyone is wondering when the next big crash ...
by Regal 56
Mon Sep 01, 2014 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Going all into Emerging Markets
Replies: 69
Views: 8509

Re: Going all into Emerging Markets

There’s more than one way to look at the graph of emerging market performance from 1972-2013. One is to salivate and exclaim: “All in on emerging markets will make me rich!” And it could turn out that way. But here’s another reasonable interpretation. In the early years of a new and overlooked asset...
by Regal 56
Thu Aug 28, 2014 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Confession: I bought a stock. What is wrong with me?
Replies: 68
Views: 7603

Re: Confession: I bought a stock. What is wrong with me?

The stock is now up 50% since I bought it in March. Again, this proves absolutely nothing. But I'm not complaining! Nor should you. You have a gift for financial prognostication and should ride it all the way to easy street. Ignore the nay-sayers you’ll encounter along the way. Those who don’t have...
by Regal 56
Tue Aug 26, 2014 9:18 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1617
Views: 290283

Re: What are you up YTD?

Equity to fixed ratio: 89.63/10.37 Domestic to foreign ratio: 57.06/42.94 YTD: +8.57% Domestic small cap ain’t cutting it this year. Oh well, someone once said if you slice & dice and one of your funds isn’t underperforming at any given moment, then you’re not well diversified. So I guess I’m we...
by Regal 56
Mon Aug 25, 2014 6:42 am
Forum: Investing - Help with Personal Investments
Topic: Newbie nervous and just invested 55k with Vanguard
Replies: 20
Views: 3091

Re: Newbie nervous and just invested 55k with Vanguard

You’ve probably noticed that buried in the fine print of a mutual fund prospectus is something like this: “Current performance may be lower or higher than the quoted past performance, which cannot guarantee future results. Share price, principal value, and return will vary and you may have a gain or...
by Regal 56
Sun Aug 24, 2014 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie nervous and just invested 55k with Vanguard
Replies: 20
Views: 3091

Re: Newbie nervous and just invested 55k with Vanguard

I began investing in 2007. The stock market eked out a small gain that year. After that was 2008. Oh what a year that was. I’m still here, and my portfolio weathered the storm. Yes, it would’ve been nice to avoid the crash of 2008. But I also rode the bull that followed. It’s unlikely your timing wi...
by Regal 56
Sat Aug 23, 2014 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Thanks from a long time lurker
Replies: 5
Views: 844

Re: Thanks from a long time lurker

This is an excellent place to get a free education. While some of the discussions go over my head, the Bogleheads forum is a good place to keep oneself grounded. For me, this forum shines brightest in a market crash. During the 2008-2009 disaster, it was a beacon of clear-headed thinking. I have 12 ...
by Regal 56
Mon Aug 18, 2014 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 112
Views: 13095

Re: Spouse not ready to cut ties with financial advisers

Miakis: Having read through this discussion, let me say this. You’re a professional accountant. And judging from what I’ve read here, you’re self-aware and sensible. Thus, you’re eminently qualified to handle your own investments. In fact, you may be more qualified than many of us here. Certainly yo...
by Regal 56
Thu Aug 14, 2014 7:02 am
Forum: Investing - Help with Personal Investments
Topic: IRA Fees
Replies: 13
Views: 1119

Re: IRA Fees

You should be aware that if yours is a small account, you may find yourself hit with an annual small account fee. I haven’t dealt with Vanguard, so I don’t know whether or not this would happen. But I do know that mutual fund companies aren’t always clear about their fees. For example, I’m with T. R...
by Regal 56
Tue Aug 05, 2014 7:59 am
Forum: Investing - Theory, News & General
Topic: What actions to take in a stock market crash?
Replies: 85
Views: 7510

Re: What actions to take in a stock market crash?

Although it’s considered bad form around here, I’m partial to running in circles and screaming. After doing it to exhaustion, I then keep making my annual contributions and rebalancing. In 2008, my portfolio fell some 47%. By late 2009, I was back to even. So obviously my approach works. Some would ...
by Regal 56
Fri Aug 01, 2014 10:32 pm
Forum: Investing - Theory, News & General
Topic: Huff Post: How Financially Literate Is the Investing Public?
Replies: 52
Views: 5825

Re: Huff Post: How Financially Literate Is the Investing Pub

What struck me about the article was this statement, which would seem to confirm that the investing public are very illiterate: The 2014 DALBAR report , for instance, concluded that over the past 20 years, individual stock fund investors achieved only a 5.02 percent average annual return, which is ...
by Regal 56
Fri Aug 01, 2014 7:53 pm
Forum: Investing - Theory, News & General
Topic: Factor investing - A parody
Replies: 42
Views: 4265

Re: Factor investing - A parody

Ketawa wrote:I liked this parody better.

The Final, Definitive Thead on Value


Jeez, I missed that one when it came out. Love it! I’m tempted to rejigger my whole portfolio based on it, although I’m not sure how, as I don’t understand a word of it.
by Regal 56
Fri Aug 01, 2014 7:45 am
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 19669

Re: How Much Did You Lose Today?

Any idea what the worst single day drop was when the stock market tanked in 2008 and 2000? On September 29, 2008 the Dow fell 778 points, or 7%. I remember it well. Gives me a chill just thinking about it. For a truly epic drop, let’s genuflect to October 19, 1987, when the Dow fell 22.6%. Fortunat...
by Regal 56
Wed Jul 30, 2014 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Was ready to pull plug on Janus..until
Replies: 66
Views: 8099

Re: Was ready to pull plug on Janus..until

Can someone explain how the 2008 crash did not really hurt me with 100% in Janus stock funds..meaning today I'm still better off than I would have been with an allocation of bonds. Is it because it was just a 1 year event and a quick recovery? If you didn’t sell at the bottom in late 2008 or early ...
by Regal 56
Tue Jul 29, 2014 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Was ready to pull plug on Janus..until
Replies: 66
Views: 8099

Re: Was ready to pull plug on Janus..until

To theplayer11: Please pay attention to the posts by jimmyrules712, HomerJ, and roymeo. They (particularly jimmyrules712) have been trying to explain to you that your initial post makes no sense. You’re comparing funds to VTI that simply aren’t the same thing. As jimmyrules712 has pointed out, had y...
by Regal 56
Sun Jul 27, 2014 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Old people and financial advisors - a family tale
Replies: 75
Views: 7677

Re: Old people and financial advisors - a family tale

Last year friend's total return was -10% and he was pretty upset. He demanded an explanation and 'ol buddy set of a big meeting--even the "VP" was there. Lots of VPs at MS. I asked a few days later how the meeting went and he seemed OK with whatever they told him, although he could not ex...
by Regal 56
Thu Jul 24, 2014 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help with Mom's Variable Annuity and Budget
Replies: 13
Views: 2432

Re: Please Help with Mom's Variable Annuity and Budget

My mother and sister live together and combine finances as a husband and wife would so some income/expenses below will be combined (this is a whole different frustrating topic and my Mom will never stop financially covering for my sister so please don't send comments on that). My mother blew her ot...
by Regal 56
Sat Jul 05, 2014 4:02 pm
Forum: Investing - Theory, News & General
Topic: "Only a fraction of Americans directly own stocks"
Replies: 27
Views: 4081

Re: "Only a fraction of Americans directly own stocks"

But, you have to admit there is much to mistrust in the business of investing. The corruption isn’t limited to investing. Anywhere the money spigot is running, you can be sure that grubby hands are grasping for their cut. I see this in my own line of work. I once heard of an elderly widow who found...
by Regal 56
Sat Jul 05, 2014 12:58 pm
Forum: Investing - Theory, News & General
Topic: "Only a fraction of Americans directly own stocks"
Replies: 27
Views: 4081

Re: "Only a fraction of Americans directly own stocks"

The older I get, the more impressed I am with the “Marshmallow Test.” This simple experiment, run in the 1960s and early 1970s, showed that young children who are able to control their urge for immediate gratification are more likely go on to be successful in life. A later study suggested trust is a...
by Regal 56
Wed Jul 02, 2014 11:58 pm
Forum: Investing - Theory, News & General
Topic: How are you doing through the first half of 2014?
Replies: 91
Views: 11890

Re: How are you doing through the first half of 2014?

Up 9% with a 90/10 slice & dice portfolio. Real Estate and Natural Resources are the big winners. But I don’t put much stock—sorry for the pun—in mid-year returns. Mr. Market giveth, and Mr. Market taketh away. Right now, I’d guess he’s about due for a big taketh.
by Regal 56
Sat Jun 28, 2014 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 13852

Re: Who do you talk with about your financial goals?

No one. I’m used to being the guy everyone assumes is broke. While I’m not now rich, I’m not broke either. Be that as it may, I really don’t want to change my reputation. My life is easier when everyone assumes I’m broke. Coming here from time to time is nice. The Bogleheads forum, however, doesn’t ...
by Regal 56
Fri Jun 27, 2014 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Post your Morningstar Box Style
Replies: 25
Views: 2947

Re: Post your Morningstar Box Style

Allocation
Cash: 5.17%
Bonds: 3.85%
US Stocks: 47.96%
Non-US Stocks: 41.65%
Other: 1.38%

Stock Style
14—17—19
06—13—11
05—08—07

My total portfolio expense ratio is—true diehards might want to avert their eyes—0.92%. But as any hot-shot financial advisor will say, you get what you pay for. :wink:
by Regal 56
Fri Jun 20, 2014 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Moving form Edward Jones
Replies: 11
Views: 1845

Re: Moving form Edward Jones

Also be sure to sign up for Electronic Statements. If you don’t, there will be a $20 annual fee for each fund with a balance under $10,000.
by Regal 56
Sun Jun 15, 2014 7:36 am
Forum: Investing - Help with Personal Investments
Topic: I want to buy a stock.
Replies: 43
Views: 3557

Re: I want to buy a stock.

I'm thinking about buying 5 (current price as post is 206) shares of Tesla motors to hold onto for a few years. For some reason, the company gets me really excited. This is a terrible reason to invest, I'm fully aware, but I see it as a small gamble. 5 shares would be enough to make me feel like I'...
by Regal 56
Wed Jun 11, 2014 8:11 am
Forum: Investing - Help with Personal Investments
Topic: What would "you" do?? [in this case]
Replies: 50
Views: 4852

Re: What would "you" do?? [in this case]

40K in checking acct to invest. How would you invest this money? Without knowing the purpose and time horizon for this money, it’s impossible to give a good answer. Consider this analogy. You jump into your car and pull up to the edge of your driveway. You then open your window and ask a pedestrian...
by Regal 56
Fri Jun 06, 2014 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Am I A Moron [savings account as an asset class]
Replies: 47
Views: 3787

Re: Am I A Moron [savings account as an asset class]

When I look at it from this perspective, it is in realm of disaster planning. And, as you say, it is trying to put together a workable plan for an event which has no workable plan. At the risk of sidetracking this discussion, allow me a brief observation. From time to time, doomsday scenarios are t...
by Regal 56
Wed Jun 04, 2014 9:52 pm
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 207
Views: 25414

Re: Favorite guitarist...

This discussion needs a bit more variety.

For a great classical player, here’s Jason Vieaux playing some Jobim:
https://www.youtube.com/watch?v=T2LhIsO2THM

For electric guitar buffs, here’s Steffen Schackinger, who’s excellent but not so well known:
https://www.youtube.com/watch?v=fH-ksko-2HQ

For a more eclectic style, try Andy McKee:
https://www.youtube.com/watch?v=nmE3QaGetn4
by Regal 56
Thu May 29, 2014 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Chart looks awesome to me! Others said not so good?
Replies: 15
Views: 2114

Re: Chart looks awesome to me! Others said not so good?

Bear in mind you’re asking for opinions of MDISX in a forum dedicated to the proposition that most managed funds can’t beat their appropriate index over time. So it’s unlikely you’ll get much support for your high opinion of MDISX. If it has outperformed over a certain time, the typical response her...
by Regal 56
Mon May 26, 2014 9:55 pm
Forum: Investing - Theory, News & General
Topic: Market fluctuation in late 2008
Replies: 51
Views: 4920

Re: Market fluctuation in late 2008

All this talk of 2008 got me curious. So I pulled up my IRA and charted its performance from 2007 to now. Here's the chart, of course omitting the dollar amounts. Red sections show where losses exceeded contributions—green sections show where gains exceeded contributions: http://i28.photobucket.com/...