Search found 43 matches

by dreamrider
Wed Apr 29, 2020 10:26 am
Forum: Personal Investments
Topic: Tracking Progress on my Market Timing
Replies: 36
Views: 1723

Re: Tracking Progress on my Market Timing

Why? I went from cash and DCA into indexes from Feb to now. VIX is below 40. I’m convinced we are experiencing market conditions which have little to no basis in reality. Markets care about the future reality. This is what the talking heads like to say when they cant explain why the market is risin...
by dreamrider
Mon Apr 20, 2020 10:07 pm
Forum: Personal Investments
Topic: Share your experience if you timed the market
Replies: 38
Views: 2477

Re: Share your experience if you timed the market

I sold 70% on the first day carnage (1000 dow day drop) and all my VTI position in a brokerage account last week. Early 40s, have enough for early retirement. I suspect the market has more downside risk going forward in 2020 than potential for upside. I wasn't comfortable with the market rise discon...
by dreamrider
Wed Apr 15, 2020 4:20 pm
Forum: Personal Investments
Topic: The zillion dollar question: when will the market bottom out?
Replies: 104
Views: 8255

Re: The zillion dollar question: when will the market bottom out?

After a few months when most US cities have had their surge.
by dreamrider
Thu Apr 09, 2020 3:22 pm
Forum: Personal Investments
Topic: Vanguard trade policy
Replies: 1
Views: 271

Vanguard trade policy

Does vanguard allow stock trades at weekly intervals? Will Vanguard restrict my account if I trade in and out of Apple say every 10 days? I'm wondering if their excessive trade policy applies to mutual fund or ETF only. Exchange activity is considered excessive when: It exceeds 2 substantive exchang...
by dreamrider
Wed Mar 25, 2020 11:15 am
Forum: Personal Investments
Topic: What's the downside to this
Replies: 44
Views: 3435

Re: What's the downside to this

OP, So you have had lots of opinions expressed. Would be interested to know what you decide to do. WoodSpinner The opportunity to buy Chevron passed due to the recent gains. My interest in buying Chevron came after reading an article on Warren Buffett. I started wondering why he doesnt like to buy ...
by dreamrider
Tue Mar 24, 2020 7:09 pm
Forum: Personal Investments
Topic: What's the downside to this
Replies: 44
Views: 3435

Re: What's the downside to this

MotoTrojan wrote: Tue Mar 24, 2020 6:54 pm Every quarter just before receiving your 2.5% dividend payment (on ex-dividend date), your share-price will drop by 2.5%. How is that advantageous again?
I dont quite understand. If I were to use that logic, the stock price would drop 10% every year.
by dreamrider
Tue Mar 24, 2020 4:59 pm
Forum: Personal Investments
Topic: What's the downside to this
Replies: 44
Views: 3435

Re: What's the downside to this

OP, Have you done any research on the company itself? It’s culture? Financials? Reserves? Unique Risks? Large Projects? Cashflow? Do you know much about the Oil Industry? It’s competitors? These are things I would want to know before buying their stock. WoodSpinner Ive done little to no research. J...
by dreamrider
Tue Mar 24, 2020 4:24 pm
Forum: Personal Investments
Topic: What's the downside to this
Replies: 44
Views: 3435

What's the downside to this

Yesterday Chevron stock had a 10% dividend yield. I considered buying the stock for the dividends mainly but the stock is attractive because it took a 60% beating. I was looking at adding Chevron as 5% of my portfolio. Chevron has been paying dividends since the 30s. I'm betting the stock dividends ...
by dreamrider
Sun Mar 22, 2020 7:16 pm
Forum: Investing - Theory, News & General
Topic: S&P500 and Dow Futures Hit Limit Down After Reaching 5% Down Limit for Monday Open
Replies: 155
Views: 13489

Re: S&P500 and Dow Futures Halted After Reaching 5% Down Limit for Monday Open

Calling bottom this coming week? I'm not calling anything, but I've got about $200k in bonds currently. I'm moving $50k of into equities when we reach 35% down from the highs (likely tomorrow) and then another $50k for each additional 5% we fall. I'm doing something similar but this strategy didnt ...
by dreamrider
Sun Mar 22, 2020 6:58 pm
Forum: Investing - Theory, News & General
Topic: S&P500 and Dow Futures Hit Limit Down After Reaching 5% Down Limit for Monday Open
Replies: 155
Views: 13489

Re: S&P500 and Dow Futures Halted After Reaching 5% Down Limit for Monday Open

Ugh. [Deleted - mod olcomputerguy] The good news is that in about 2 more weeks of the current downward trajectory we have been on, the market will be zero and we will not have to worry about it anymore. :annoyed 🥴🙁😁🤣 I hear you. Just rip the band aid and get it over with already. This is getting ex...
by dreamrider
Sun Mar 22, 2020 3:51 pm
Forum: Personal Investments
Topic: Get out now or ride it out?
Replies: 85
Views: 7227

Re: Get out now or ride it out?

I posted this in another thread but I'll post it again here because I think it's important to see. Below is a snippet from an article I read recently. Hold on, this could all reverse very soon, or it could not. As people like to say on this forum, nobody knows nothing. 7. “Why don’t we just sell ev...
by dreamrider
Sun Mar 22, 2020 2:55 pm
Forum: Personal Investments
Topic: Get out now or ride it out?
Replies: 85
Views: 7227

Re: Get out now or ride it out?

I'm down $600K from my highs earlier this year. I have $200K in cash to hold me over for the next few years. But I'm definitely feeling the urge to sell before this all gets worse. But I'm planning on just holding out for the long-term. I'm only 38 and have a stable job, but OUCH this all hurts bad...
by dreamrider
Sun Mar 22, 2020 12:19 pm
Forum: Personal Investments
Topic: Get out now or ride it out?
Replies: 85
Views: 7227

Re: Get out now or ride it out?

jasperhobbs wrote: Sun Mar 22, 2020 12:14 pm
dreamrider wrote: Sun Mar 22, 2020 12:11 pm #1. The worst is yet to come.
Source?

1. China.
2. Italy.
3. New York.
4. My gut feeling.
by dreamrider
Sun Mar 22, 2020 12:11 pm
Forum: Personal Investments
Topic: Get out now or ride it out?
Replies: 85
Views: 7227

Re: Get out now or ride it out?

#1. The worst is yet to come.
by dreamrider
Thu Mar 19, 2020 1:24 am
Forum: Personal Investments
Topic: Time to buy Boeing?
Replies: 89
Views: 11042

Re: Time to buy Boeing?

What's the rationale to why Boeing stock value has fallen 75+%? I saw an analyst on CNBC say the cost of the 400 or so 737max on the tarmac is worth approx 7 Billion. You got development cost but it cant be as bad as 787 considering Boeing took the 737 and put different engines on it thus creating t...
by dreamrider
Fri Mar 13, 2020 4:24 pm
Forum: Personal Investments
Topic: What I did wrong during the COVID19 bear market
Replies: 9
Views: 2239

What I did wrong during the COVID19 bear market

Im a relatively new investor. Started investing in 2006 during my first real job. Wife and I are both working professional with 6 figure incomes. We max 401k every year, ROTH IRA, 529, and brokerage account. Didnt have much to lose in 08 recession. Accumulated enough to consider semi-retirement for ...
by dreamrider
Sat Mar 10, 2018 1:43 am
Forum: Personal Investments
Topic: Early Retiree Portfolio
Replies: 4
Views: 1129

Early Retiree Portfolio

I like to retire in 2-5 years and need some opinion on my investment allocation. I'm 40 years old and am maxing out my 401k, ROTH, and putting everything else remaining in my taxable account. The taxable account will continue to grow at a higher rate than my 401k due to the larger contributions. Hop...
by dreamrider
Mon Feb 20, 2012 3:34 pm
Forum: Personal Investments
Topic: Did i screw up allocation in my brokerage account?
Replies: 9
Views: 1150

Re: Did i screw up allocation in my brokerage account?

Thanks for all the response. Most of my $$ are in 401K and ROTH IRA so I don't have to deal with taxes at this moment in life. One more question, if I have say 10k in VTI and I pay taxes for $100/year in dividends every year for 5 years ($500 total). When I sell VTI at the end of the 5 year, and say...
by dreamrider
Sun Feb 19, 2012 3:48 pm
Forum: Personal Investments
Topic: Did i screw up allocation in my brokerage account?
Replies: 9
Views: 1150

Did i screw up allocation in my brokerage account?

So I just got a 1099-DIV for my brokerage account which I hold: VEU VGK VTI I have a few hundred in "Total ordinary dividends" and a bit less in "Qualified dividends" in box 1a and 1b of the 1099-DIV form. I never had a brokerage acct before but on the surface, it looks like I ha...
by dreamrider
Mon Apr 25, 2011 9:03 pm
Forum: Personal Investments
Topic: Investment % for speculation investment
Replies: 48
Views: 5360

Re: Investment % for speculation investment

Boglehead investing seems really boring. :lol: I have a co-worker that told me about this ETF ticker "AGQ". I watched the ETF perform insanely well the last few months. I passed on AAPL when everyone was saying buy at $110 in '07. Now it's at $340. Most likely I'll watch AGQ reach $300, $...
by dreamrider
Wed Apr 20, 2011 7:08 pm
Forum: Investing - Theory, News & General
Topic: Retirement Withdrawl for Tax Efficiency
Replies: 1
Views: 567

Retirement Withdrawl for Tax Efficiency

Let's say wife and I make 150k now and expect annual income to rise gradually until retirement. Say you had enough $$ at 50 ($2-4mil) and decide to retire early from work and draw a modest amount to live off cos you were a saver and can live off of 5k/month income. Let's say 60% was in retirement in...
by dreamrider
Fri Apr 08, 2011 12:20 pm
Forum: Personal Investments
Topic: Investment % for speculation investment
Replies: 48
Views: 5360

Investment % for speculation investment

Boglehead investing seems really boring. :lol: I have a co-worker that told me about this ETF ticker "AGQ". I watched the ETF perform insanely well the last few months. I passed on AAPL when everyone was saying buy at $110 in '07. Now it's at $340. Most likely I'll watch AGQ reach $300, $3...
by dreamrider
Fri Apr 01, 2011 9:35 am
Forum: Personal Investments
Topic: Where to save your $$$ until you have enough to invest?
Replies: 20
Views: 2001

checking account.
by dreamrider
Fri Apr 01, 2011 8:32 am
Forum: Personal Investments
Topic: How would they know?
Replies: 7
Views: 1557

I had my ROTH with fidelity for a couple of years and downloaded all my contribution electronically. The intent was to withdraw on the principal and not take a hit on penalties if I decide to retire early prior to 59 1/2. Is this the best method?
by dreamrider
Fri Apr 01, 2011 8:27 am
Forum: Personal Investments
Topic: Why does a person under age 35 need to own bonds?
Replies: 77
Views: 9644

I'm in my early 30's and don't own any bonds either. I have a low six figure saved up and don't plan to own any bonds until 3 years or so after a bull market run of ~5years. In which turn, I will start to take profits and move maybe 20% into bond. I feel like I have still have alot of time to recove...
by dreamrider
Fri Apr 01, 2011 8:09 am
Forum: Personal Investments
Topic: How would they know?
Replies: 7
Views: 1557

Ok, that makes sense. Are we suppose to keep those forms for our records?
by dreamrider
Fri Apr 01, 2011 7:53 am
Forum: Personal Investments
Topic: How would they know?
Replies: 7
Views: 1557

How would they know?

I'm just kind of curious about this scenario. If your income is above the ROTH IRA limit, how would they know 30 years from now that you weren't elgible for a ROTH contribution? You don't report any ROTH contribution on your IRS filing.
by dreamrider
Fri Feb 04, 2011 8:43 pm
Forum: Personal Investments
Topic: Is it ever really neccessary to invest in taxable accounts?
Replies: 75
Views: 10743

I'm aware that you can take early withdrawl on the principal of Roth's. This won't be nearly enough to supplement my income in retirement though. Using your example of 150k withdrawl. That's 3 years at 50k/year. On the other hand, don't you have to pay TAX on the IRA to Roth conversion? Besides, I ...
by dreamrider
Fri Feb 04, 2011 2:31 pm
Forum: Personal Investments
Topic: Is it ever really neccessary to invest in taxable accounts?
Replies: 75
Views: 10743

Taxable account = early retirement. This is why I opened up a taxable account this year. I plan to retire early or work part time before I'm elgible for a 401k withdrawl. Not only that, correct me if I'm wrong but it seem like investment in taxable account has better tax implication than those from...
by dreamrider
Fri Feb 04, 2011 2:17 pm
Forum: Personal Investments
Topic: Is it ever really neccessary to invest in taxable accounts?
Replies: 75
Views: 10743

There are many ways to retire early. If one has very low expenses, then one would not need any taxable account. One is able to withdraw from tax-advantaged accounts without penalty before age 59.5 relatively easily. These penalty-free early withdrawals are often missed by the novices and financial ...
by dreamrider
Thu Feb 03, 2011 9:54 pm
Forum: Personal Investments
Topic: Move all in or what?
Replies: 19
Views: 2956

livesoft wrote:The market dropped on January 28. How did you feel that day? Why didn't you invest then?

Since then, general ETFs are up 2.5% to 3.5%.
I tried to but my order didn't go through. I usually put in a limit order.

I have 1% of what I expect to retire with in cash now.
by dreamrider
Thu Feb 03, 2011 9:36 pm
Forum: Personal Investments
Topic: Move all in or what?
Replies: 19
Views: 2956

Move all in or what?

I have 20% of my investment sitting on cash. The market has been doing pretty good since the beggining of the year. I'm afraid that if I buy in right now, the market could go down right after. If I don't buy in, the market could go steadily up for the next few months and I miss out on the opportunit...
by dreamrider
Thu Feb 03, 2011 9:17 pm
Forum: Personal Investments
Topic: Is it ever really neccessary to invest in taxable accounts?
Replies: 75
Views: 10743

Taxable account = early retirement. This is why I opened up a taxable account this year. I plan to retire early or work part time before I'm elgible for a 401k withdrawl. Not only that, correct me if I'm wrong but it seem like investment in taxable account has better tax implication than those from...
by dreamrider
Wed Feb 02, 2011 8:13 pm
Forum: Personal Investments
Topic: Should I do 401k rather than Roth?
Replies: 26
Views: 2792

Should I do 401k rather than Roth?

If I'm in a higher tax bracket now and expect to be in a lower tax bracket when I retire, wouldn't it be more beneficial to max out my 401k before contributing to the Roth? For the 401k, I'm gettting immediate tax write off whereas for the Roth, who knows if tax free withdrawl will be there when I r...
by dreamrider
Wed Feb 02, 2011 2:36 pm
Forum: Personal Investments
Topic: Distribution Question
Replies: 2
Views: 671

Distribution Question

Would it be tax efficient to put VGK into a taxable account? I'm a little confused on the distribution. The ETF paid a $2.30 dividend last year. Is that on a per share basis? Also how come the realized and unrealized gains/loss are so high in this ETF? I don't understand. https://personal.vanguard.c...
by dreamrider
Sat Jan 29, 2011 1:13 pm
Forum: Personal Investments
Topic: Reits for Roth
Replies: 17
Views: 3822

This is what I was thinking of doing as well.
by dreamrider
Fri Jan 28, 2011 4:44 pm
Forum: Personal Investments
Topic: Is 35% too much for International?
Replies: 18
Views: 3105

exigent wrote:After today, it's probably not 35% anymore... 8)
Doesn't matter what happens today, as long as it's up in 20 years.
by dreamrider
Fri Jan 28, 2011 4:41 pm
Forum: Personal Investments
Topic: Is 35% too much for International?
Replies: 18
Views: 3105

Maybe I should look at the wiki again to see what the purpose of Bond is for. It seem like if I had 10% in bonds, that wouldn't do much to conserve any losses that I would endure if equities fell. If I was closer to retirement, say 10 years, its one thing to have 20% bonds. But I have a long time t...
by dreamrider
Fri Jan 28, 2011 3:28 pm
Forum: Personal Investments
Topic: Is 35% too much for International?
Replies: 18
Views: 3105

Maybe I should look at the wiki again to see what the purpose of Bond is for. It seem like if I had 10% in bonds, that wouldn't do much to conserve any losses that I would endure if equities fell. If I was closer to retirement, say 10 years, its one thing to have 20% bonds. But I have a long time to...
by dreamrider
Fri Jan 28, 2011 2:44 pm
Forum: Personal Investments
Topic: Is 35% too much for International?
Replies: 18
Views: 3105

That's 35% of my entire portfolio.

I know I'm suppose to have some bonds in my portfolio but I don't have any unless the index that i own, owns them.
by dreamrider
Fri Jan 28, 2011 2:36 pm
Forum: Personal Investments
Topic: Is 35% too much for International?
Replies: 18
Views: 3105

Is 35% too much for International?

I have $$ in a Vanguard brokerage/retail acct that I need to buy investment with. I was considering the international index VEU but that would put my portfolio at around 35% in international. Is that too much? My other option was to buy the S&P 500, mid cap, or small index. Of which, my current ...
by dreamrider
Fri Jan 21, 2011 10:25 pm
Forum: Personal Investments
Topic: Different investment vehicle
Replies: 8
Views: 1027

Thanks for all the inputs. Maybe I shouldn't have used the word brokerage account. I plan on buying ETFs and mutual fund. Vanguard fits my goal well. I just didn't know if there exist an "alternative" vehicle that I can use that is tax friendly and allow liquidity prior to the retirement a...
by dreamrider
Fri Jan 21, 2011 8:28 pm
Forum: Personal Investments
Topic: Different investment vehicle
Replies: 8
Views: 1027

Different investment vehicle

I have investments in a Roth and 401k through work. However, I want to invest in another vehicle that allows you to pull $$ to use outside of retirement for large purchases or draw from in the future. I have a year expenses in savings now with extra coming in every month that I like to put in this a...