Search found 3552 matches

by cfs
Wed Jan 17, 2018 5:01 pm
Forum: Investing - Theory, News & General
Topic: Recent market gains
Replies: 18
Views: 1493

Re: Recent market gains

Nobody knows nothing. But, Miss Market likes the good news, i.e. Tim Cook announcing today that Apple is bringing MUCHOS billions of dollars currently parked overseas back to the USA and creating MUCHOS jobs in the good ole USA. Best thing to do is to ignore all the noise [otherwise you will go insa...
by cfs
Wed Jan 17, 2018 11:07 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Lessons From 2017
Replies: 12
Views: 1793

Re: Larry Swedroe: Lessons From 2017

Thank you for the link.

Larry you are da man!

Members of The Church of CAPE took a hit on lesson 2, first link.

Forecasters and crystal ballers took a hit on 6, second link (hello, Mister JB, are you listening).

Your money, your portfolio, your decision.

Good luck and thanks for reading ~cfs~
by cfs
Wed Jan 17, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: Feeding the market
Replies: 14
Views: 1053

Re: Feeding the market

Thank you, Frank.

I have a globally diversified equity portfolio, however, I am NOT betting against the good ole USA.

Go MARA (Make America Rich Again)!

Good luck with your investments, and thanks for reading ~cfs~

p.s. Semper Fidelis, Semper Fortis
by cfs
Tue Jan 16, 2018 9:13 pm
Forum: Investing - Theory, News & General
Topic: Taking Profits From Index Funds in a Bull Market
Replies: 4
Views: 1087

Re: Taking Profits From Index Funds in a Bull Market

Concur with above replies.

NO to incurring credit card debt.

YES to selling part of your index funds to buy what is needed in your home.

Good luck, and thanks for reading ~cfs~
by cfs
Tue Jan 16, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: A 4% move in the Dow and S&P in 12 days? Seems odd
Replies: 83
Views: 5637

Re: A 4% move in the Dow and S&P in 12 days? Seems odd

Well, USA have a long way to go before we can catch up a couple of global indexes.
-- 31904 - Hong Kong
-- 33282 - Argentina
-- 49458 - Mexico
-- 80097 - Brazil
Those are just numbers, just for the fun of it. Good luck, and thanks for reading ~cfs~
by cfs
Tue Jan 16, 2018 9:45 am
Forum: Investing - Theory, News & General
Topic: GE and the myth of "safe blue-chip stocks"
Replies: 102
Views: 11321

Re: GE and the myth of "safe blue-chip stocks"

Good luck to GE investors, seriously. For some owning GE is like owning a mutual fund, a couple of weeks ago I was told the same about owning another well-known company. No, they are not mutual funds. Those who dare to ignore history . . . Good luck and thanks for reading / cfs
by cfs
Tue Jan 16, 2018 12:46 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 106
Views: 8039

Re: Post your Financial Milestone Announcements Here

All good comments, but I have no milestones to announce, I will let you know when I call it a day and move my nice collection of slow moving ETFs and fast moving Mutual Funds to the Target Retirement Income Fund, this fund is the final destination for all my accounts, this is the one I have listed i...
by cfs
Tue Jan 16, 2018 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Insurance: Who do you use? (Auto/Home)
Replies: 32
Views: 1752

Re: Insurance: Who do you use? (Auto/Home)

USAA for auto and home insurance for the past two decades. Happy hunting, and thanks for reading ~cfs~
by cfs
Mon Jan 15, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 87
Views: 8729

Re: Besides Bogleheads, What Are Your Favorite Forums?

No Facebook account, No Twitter account, No LinkedIn account, I check our sister forum at Morningstar but seems to be dormant, plus from time to time I check forums on my sports (long distance running, long distance walking). All the good activity is right here, but from time to time I take a sabbat...
by cfs
Mon Jan 15, 2018 11:52 am
Forum: Investing - Help with Personal Investments
Topic: “Better Buy” Total US or International ?
Replies: 30
Views: 3051

Re: “Better Buy” Total US or International ?

Or who cares, feed whichever one needs to be fed according to your predetermined AA and check back in 20 years? USA, Internationals, are we looking for the best portfolio? Full disclosure, I have a globally diversified equity portfolio, but, is this the best portfolio, best allocation, best decisio...
by cfs
Mon Jan 15, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: why emergency savings?
Replies: 42
Views: 3605

Re: why emergency savings?

Let me say this one more time, The Lowest Rated Fund (my portfolio) is my emergency fund, that's all I need. Your money, your portfolio, your decision. Good luck, and thanks for reading ~cfs~
by cfs
Sun Jan 14, 2018 11:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 79
Views: 10324

Re: Roll Call for the Retirement Class of 2018!

It’s official, my last day was Friday, Jan 12. Tomorrow I will sleep In I think. Awesome, retired at 51, tomorrow is a day off for those in the workforce, for you every day is a day off, but you need to stay mentally and physically active. Make retirement great again. Good luck, and thanks for read...
by cfs
Sun Jan 14, 2018 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Adding 200k to Portfolio, don't want boring old VTSAX again -your criticism, suggestion for a little extra risk?
Replies: 39
Views: 4270

Re: Adding 200k to Portfolio, don't want boring old VTSAX again -your criticism, suggestion for a little extra risk?

I'm willing to take more risk with this new money because I already have a 3fund. You can check Primecap Odissey Growth (POGRX) , this fund is managed by the same group running The Trifecta (Vanguard Primecap, Vanguard Primecap Core, Vanguard Capital Opportunity), this fund is open to new investors...
by cfs
Sun Jan 14, 2018 3:40 pm
Forum: Investing - Theory, News & General
Topic: International Small-cap Value Funds ??
Replies: 53
Views: 4372

Re: International Small-cap Value Funds ??

Well, based on Morningstar the Schwab Fundamental Small Co ETF is not an international small value product (small/mid blend?). Thanks for reading ~cfs~
by cfs
Sun Jan 14, 2018 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Investing 150K in the current market
Replies: 4
Views: 794

Re: Investing 150K in the current market

Welcome aboard, your second post! Based on your first post you plan to meet with our shipmates of the South Florida chapter next week, my recommendation is to wait until this meeting to get some ideas "face to face" instead of getting recommendations from total internet strangers here. Just my two A...
by cfs
Sun Jan 14, 2018 2:53 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 176
Views: 17826

Re: What's your asset allocation and why?

Looking at the ages and allocations breakdowns, I do remember my good ole portfolio of 100% equities until about age 50, but that was then, and this is now. Your money, your portfolio, your decision. Good luck and thanks for reading ~cfs~
by cfs
Sun Jan 14, 2018 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me pick an ETF/portfiolo (Belgium).
Replies: 7
Views: 430

Re: Please help me pick an ETF/portfiolo.

Saqoyalat wrote:
Sat Jan 13, 2018 3:53 pm
. . . Hi. I'm 18 years old from Belgium and very new to this . . .
Welcome aboard, your first post! Have your checked this Vanguard site for investors from Belgium?

https://global.vanguard.com/portal/site ... /documents

Good luck, and thanks for reading ~cfs~
by cfs
Sun Jan 14, 2018 12:42 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 431
Views: 66889

Re: Forum software upgrade bug reports and change requests

Thanks for the update, working as designed.

To all involved, thanks for keeping this great forum operational.

Good luck, and thanks for reading ~cfs~
by cfs
Sun Jan 14, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 162
Views: 16276

Re: Anyone disenchanted with retirement?

jhawktx wrote:
Sat Jan 13, 2018 9:22 pm
Omg, no.
I like this answer!

Good luck and thanks for reading / cfs
by cfs
Sun Jan 14, 2018 11:11 am
Forum: Investing - Theory, News & General
Topic: Nostalgic about old online brokerages that no longer exist
Replies: 43
Views: 4585

Re: Nostalgic about old online brokerages that no longer exist

Jack White first, then Jenny Montgomery Scott, then Vanguard. Also had accounts with Stein Roe, Janus, TIAA CREF. But that was then and this is now. Good luck and thanks for reading / cfs
by cfs
Sun Jan 14, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Do you correct cashier mistakes?
Replies: 41
Views: 2123

Re: Do you correct cashier mistakes?

90% of my shopping is done in local stores with people I know, some of then military veterans that served with me and I would feel like a loser knowing that I took a penny from them, if I notice a mistake against me I let them know, keeping all the honest people honest. Good luck and thanks for read...
by cfs
Sun Jan 14, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: VFAIX [Vanguard Financials Index]
Replies: 5
Views: 241

Re: VFAIX

Decoding, Financial Index fund but you can buy the ETF version on the cheap side. Your money, your portfolio, your decision. Good luck and thanks for reading / cfs
by cfs
Sun Jan 14, 2018 10:25 am
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??
Replies: 70
Views: 5420

Re: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??

Zero percent, my equity funds are on the aggressive side with the exception of the slow moving internationals. Your money, your portfolio, your decision. Good luck and thanks for reading / cfs.
by cfs
Sun Jan 14, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 105
Views: 5963

Re: Looking for a reasonably priced, safe international destination

Ireland. You will see that yes, there are many roads to beautiful Dublin. Good luck and thanks for reading / cfs
by cfs
Sat Jan 13, 2018 10:16 pm
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 222
Views: 24495

Re: Hitting The Sell Button

The less I do . . . I noticed that my portfolio did pretty good during those years when I was gone on my military deployments, incommunicado and unable to hit the sell button to "fix" my holdings. Good luck with your investments and thanks for reading / cfs
by cfs
Sat Jan 13, 2018 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Tax-Efficient Portfolio for Taxable account
Replies: 5
Views: 469

Re: Help with Tax-Efficient Portfolio for Taxable account

My vote is for 100% equities in the taxable account, and that is exactly what I do with my taxable account (by the way this is my largest account). Good luck with your decision and thanks for reading ~cfs~
by cfs
Sat Jan 13, 2018 12:05 pm
Forum: Investing - Theory, News & General
Topic: DOW breaks 25,000 for first time ever
Replies: 55
Views: 5478

Re: DOW breaks 25,000 for first time ever

WhiteMaxima wrote:
Fri Jan 12, 2018 6:42 pm
. . . I see Dow 3000 end of this growth cycle . . .
So, is the Dow dropping 22k? Or are we missing one zero? Thanks for reading ~cfs~
by cfs
Sat Jan 13, 2018 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Revised
Replies: 15
Views: 985

Re: Asset Allocation Revised

Just go with Vanguard Life Strategy Income = 20% equities, or Vanguard Target Retirement Income = 30% equities. Good luck and thanks for reading / cfs
by cfs
Fri Jan 12, 2018 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: REIT or No REIT
Replies: 85
Views: 7676

Re: REIT or No REIT

I hold none, individually. I let the managers of my low cost mutual funds pick the REITs for me, I pay them a couple of bucks to make good decisions. Good luck, and thanks for reading ~cfs~
by cfs
Fri Jan 12, 2018 10:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 106
Views: 8039

Re: Post your Financial Milestone Announcements Here

Wow, congratulations to everyone reaching a milestone! I am beginning to like this omnibus thread! Keep all those reports coming, I will continue to read ALL of them. Good luck with your investments, and thanks for reading ~cfs~
by cfs
Fri Jan 12, 2018 9:53 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 154
Views: 12621

Re: How does everyone keep track of your portfolio?

"Anybody changing the way they keep track of their portfolio now that a new year (2018) has begun?" Well, I have a new tab on my excel spreadsheet for 2018. I have a simple excel spreadsheet (dating back to 1999, for prior years I still have my investments notebook handy). What I want to know is th...
by cfs
Fri Jan 12, 2018 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: loads and fees Vanguard mutual fund and ETF
Replies: 8
Views: 451

Re: loads and fees Vanguard mutual fund and ETF

Here is the listing of mutual funds with purchase and or redemption fees, the best way to avoid all this nonsense is buy buying the ETF version of the fund. Emerging Markets Government Bond Index Fund—Admiral Shares (VGAVX) Purchase fee 0.75% Emerging Markets Government Bond Index Fund—Institutional...
by cfs
Fri Jan 12, 2018 6:35 pm
Forum: Investing - Theory, News & General
Topic: DOW breaks 25,000 for first time ever
Replies: 55
Views: 5478

Re: DOW breaks 25,000 for first time ever

Yes, but, there is still a LOT of money on the sidelines, just waiting for the right opportunity to jump back in (this includes one or two members of this forum). Your money, your portfolio, your decision. Good luck and thanks for reading ~cfs~
by cfs
Fri Jan 12, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: DOW breaks 25,000 for first time ever
Replies: 55
Views: 5478

Re: DOW breaks 25,000 for first time ever

Up nearly 600 points this week ending 25,803. 26,000 next week? Say what? And I was about to order my Dow 25k Hat! The Two Pillars holding this country together are (1) an economy better than expected, (2) a stock market better than expected. How long will the two pillars hold, no one knows. Enjoy ...
by cfs
Fri Jan 12, 2018 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 290
Views: 25861

Re: Anyone tired of the stock market going up?

The Two Pillars holding this country together:

(1) Better than expected economy.
(2) Better than expected stock market.

How long will the pillars hold, no one knows. Good luck with your investments, and thanks for reading ~cfs~
by cfs
Thu Jan 11, 2018 6:20 pm
Forum: Investing - Theory, News & General
Topic: New [Vanguard] CEO will do well - Works the media well
Replies: 5
Views: 701

Re: New CEO will do well - Works the media well

CEO?

From what company?

Thanks for reading ~cfs~
by cfs
Thu Jan 11, 2018 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: My Vanguard funds: duplicative and too conservative?
Replies: 6
Views: 778

Re: My Vanguard funds: duplicative and too conservative?

Let me decode this for our readers. VTXVX - Vanguard Target Retirement 2015 Fund VSCGX - Vanguard LifeStrategy Conservative Growth Fund VSMGX - Vanguard LifeStrategy Moderate Growth Fund VTSMX - Vanguard Total Stock Market Index Fund VGTSX - Vanguard Total International Stock Index Fund VBMFX - Vang...
by cfs
Thu Jan 11, 2018 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 290
Views: 25861

Re: Anyone tired of the stock market going up?

Win
Win
Win

Investors are tired of winning!

Good luck with your globally diversified portfolio, and thanks for reading ~cfs~
by cfs
Thu Jan 11, 2018 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard - cannot convert to roth
Replies: 15
Views: 1310

Re: Vanguard - cannot convert to roth

IndigoInkTaco wrote:
Thu Jan 11, 2018 2:38 pm
. . . I recently did a conversion on vg and thought to myself how easy it was . . .
Welcome aboard, your first post! Keep those posts coming and thanks for reading ~cfs
by cfs
Thu Jan 11, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard - cannot convert to roth
Replies: 15
Views: 1310

Re: Vanguard - cannot convert to roth

Vanguard Vanguard Vanguard The website was acting funny again, it was giving me a totally different product when I was clicking to see the ETF version of a couple of mutual funds. Billions, and billions, and billions of inflows, and not a penny invested in fixing their less-than-satisfactory website...
by cfs
Thu Jan 11, 2018 2:09 pm
Forum: Forum Issues and Administration
Topic: [New forum request] International investing and US non-resident section
Replies: 22
Views: 2037

Re: EU investing

It is all about investing, then you can use the following forum: -- Investing - Help with personal investments -- Investing - Theory, News & General Note that the "Local Chapters and Bogleheads Community" forum is use as a dumping ground for all kind of junk, so, please, post in those two listed abo...
by cfs
Thu Jan 11, 2018 4:49 am
Forum: Investing - Help with Personal Investments
Topic: Buy bonds until market correction
Replies: 28
Views: 2314

Re: Buy bonds until market correction

Quite overpriced? It was overpriced 15000 Dow points ago and equities were supposed to return 3 to 4 percent. Your money, your portfolio, your decision. Good luck and thanks for reading / cfs
by cfs
Thu Jan 11, 2018 2:04 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4244
Views: 1144343

Re: U.S. stocks in freefall

A bear?

How can that be?

The Lowest Rated Fund (my boring portfolio) was UP today!

Not kidding.

Good luck, and thanks for reading ~cfs~
by cfs
Thu Jan 11, 2018 2:00 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 106
Views: 8039

Re: Post your Financial Milestone Announcements Here

Thanks for the omnibus thread, and congratulations to our shipmate White Coat Investor for hitting his number, and thanks for giving much more, good on you. I look forward to many "I hit the number" sitreps here. Good luck to all forum members, and thanks for reading ~cfs~
by cfs
Wed Jan 10, 2018 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Buffett on bonds
Replies: 34
Views: 4936

Re: Buffett on bonds

I am not a BH, I know where he stands on cryptocurrencies (his comments were in the news this morning), but I don't know where he stands on owning individual bonds or bond mutual funds. Oh, by the way, I am talking about a different type of BH, as in Buffettheads . Good luck and thanks for reading ~...
by cfs
Wed Jan 10, 2018 4:52 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2009
Views: 1224937

Re: The Three-Fund Portfolio vs Schwab Robo Advisor Portfolio

Thank you Mister Taylor, I found this interesting (from Mister Alan's article), it is related to your signature. "I’ve long since learned that complexity, expenses and emotions are the enemies of the investor. So far, Schwab remains part of a very large group of investors that seek to outsmart simpl...
by cfs
Wed Jan 10, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Magazine
Replies: 17
Views: 1771

Re: Personal Finance Magazine

I do not subscribe to any financial magazine because I read a bunch of them for free at my favorite public library. My last subscription to a financial magazine was for "Mutual Funds" magazine, this magazine was discontinued more than a decade ago, however, I still have a copy of the September 2002 ...
by cfs
Tue Jan 09, 2018 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Is VWLTX too risky for bond fund?
Replies: 6
Views: 680

Re: Is VWLTX too risky for bond fund?

Let me decode all this for our members:

VWLTX -- Vanguard Long-Term Tax-Exempt Fund

VTSAX -- Vanguard Total Stock Market Index Fund Admiral Shares

Good luck, and thanks for reading ~cfs~
by cfs
Tue Jan 09, 2018 4:10 pm
Forum: Investing - Theory, News & General
Topic: Forgot to make my $5500 contribution for 2018
Replies: 36
Views: 4653

Re: Forgot to make my $5500 contribution for 2018

When you have a LOT of money things like this happen. But anyway, father time is with you, just do the contribution today and forget about it. Your money, your portfolio, your decision. Good luck and thanks for reading ~cfs~
by cfs
Mon Jan 08, 2018 7:53 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 328
Views: 29137

Re: Year 2000 retirees using the '4% rule' - Where are they now?

Thank you Mister Will for the original post, this is good information for those sitting on the retirement fence. And all this happened during the infamous lost decade.Thanks for reading ~cfs~