Search found 292 matches

by dh
Mon Dec 17, 2018 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Year end distributions question
Replies: 5
Views: 462

Re: Year end distributions question

livesoft wrote:
Mon Dec 17, 2018 9:23 am
If today is the record day and you purchase today (submit buy order before 4 pm eastern), then you are buying the distribution. This was proven by an experiment done in a previous thread.

Sorry, but ryman554 will eventually have to correct their statements.
Thank you, livesoft!
by dh
Mon Dec 17, 2018 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Year end distributions question
Replies: 5
Views: 462

Year end distributions question

Just to clarify. Several funds have a record date of 12/17 (today); and a payable date of 12/19. So if one put in an order to purchase a new mutual fund with a record date of 12/17 before 4PM today, would they be purchasing units and then receiving the dividend. Or would they be purchasing units at ...
by dh
Sat Dec 15, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: I made a mistake by not selling when the market was high this year
Replies: 104
Views: 8560

Re: I made a mistake by not selling when the market was high this year

The market is still very high. If you doubt that look at the records of the DJIA and S&P. Both are about 50% higher than 2016 and about quadruple since 2009 if for some reason you need to sell stock to raise some money this is not such a bad time to do so. If market fluctuations bother you you need...
by dh
Sat Dec 01, 2018 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: TD security: is more, more?
Replies: 7
Views: 765

TD security: is more, more?

Greeting Bogleheads: This morning (Dec 1), I logged into my Treasury Direct to update my I-Bond totals. For those of you with accounts, it is a multi step process: Identify account number, retrieve and enter a pass code for the session (send to my email account), and then using my cursor to "type" m...
by dh
Fri Nov 30, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4418

Re: How do Bogleheads justify taking vacation?

To the OP: You sound like you don't like travel. As a Boglehead, I "justify" taking a vacation by viewing them as an investment in experience. I am glad to spend money for experiences; things, not so much. Find those experiences you do enjoy and invest in them. If it isn't travel, don't force it. :s...
by dh
Wed Nov 14, 2018 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 129
Views: 19780

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

"I can't take this anymore" seems to be more of an asset allocation issue than a stock market issue. Yes, OP your feelings are real and you need to do what you can to relax and sleep well at night (if you aren't sleeping you are not being your 100% self). So, do what you need to do. Yet going forwar...
by dh
Wed Nov 14, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy during the last stock market decline
Replies: 58
Views: 6519

Re: Strategy during the last stock market decline

Our IPS states: "Rebalance when allocations to broad asset classes are 5% points from targets." "Max out retirement plans and Roth IRA's until retirement." CyclingDuo: Thank you for sharing this and the charts you provided (I cut them out of this reply to save space). The chart showing the number o...
by dh
Fri Nov 09, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy during the last stock market decline
Replies: 58
Views: 6519

Re: Strategy during the last stock market decline

Extending on what I am reading ... so it seems that most did nothing during declines. Does that mean that you are not concerned about having a percentage of equities in your asset allocation? Just let equities go where they may. If they declined below 25% of your overall portfolio, would you just le...
by dh
Fri Nov 09, 2018 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy during the last stock market decline
Replies: 58
Views: 6519

Re: Strategy during the last stock market decline

nisiprius wrote:
Fri Nov 09, 2018 4:39 pm
My wife and I were really scared. We did nothing at all. I wouldn't call it a "strategy."
Doing nothing at all, in the face of fear, sounds like a brilliant strategy!
by dh
Fri Nov 09, 2018 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy during the last stock market decline
Replies: 58
Views: 6519

Re: Strategy during the last stock market decline

The classic Boglehead thread in 2008 was started by Rick Ferri. What Should I Do Now? https://www.bogleheads.org/forum/viewtopic.php?f=10&t=26284 Read that whole thread. You'll be transported in space and time. Excellent. Thank you! This will be better than relying on individuals' recall of what th...
by dh
Fri Nov 09, 2018 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy during the last stock market decline
Replies: 58
Views: 6519

Re: Strategy during the last stock market decline

Greetings, Bogleheads! I confess that I do not recall the last significant stock market decline (-25%) we experienced (maybe 2007?). You don't recall the -50% decline of the Great Recession in 2009, the worst since 1929? :shock: Early signs of dementia kicking in ... seriously, I just did not recal...
by dh
Fri Nov 09, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: Best Finance/Stock Market Films
Replies: 34
Views: 1686

Re: Best Finance/Stock Market Films

index funds the movie: https://www.ifa.com/indexfundsthemovie/ The great retirement gamble (pbs): https://www.pbs.org/video/frontline-retirement-gamble/ Niall Ferguson's The Ascent of Money, 4 parts/4 hours (also read the book, excellent) at pbs and on youtube: https://www.pbs.org/wnet/ascentofmone...
by dh
Fri Nov 09, 2018 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy during the last stock market decline
Replies: 58
Views: 6519

Strategy during the last stock market decline

Greetings, Bogleheads! I confess that I do not recall the last significant stock market decline (-25%) we experienced (maybe 2007?). I would like to hear some strategies used by people during the decline in attempts to maintain their asset allocation. So my plan is to stay at my current stock:fixed ...
by dh
Tue Nov 06, 2018 5:32 pm
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10744

Re: This man can predict when bubbles burst: time to time the market?

I suffer from anxiety and I am afraid of huge losses in my investments. Taleb shows that extreme events are possible and losses in the stock market can be much higher than the bell curve predicts. So I am looking for ways to manage my anxiety in this, including by researching serious methods of ris...
by dh
Thu Nov 01, 2018 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Fully maxed out
Replies: 70
Views: 8156

Re: Fully maxed out

In our case, I consider it suboptimal to maximize tax-advantaged space. So, we don’t maximize. We adjust how much to put into various accounts based on our situation during a given year. Like you, Ron, I have never maximized tax-advantaged space. If I had a crystal ball and could predict future tax...
by dh
Wed Oct 31, 2018 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Where should I be financially at 39?
Replies: 42
Views: 5969

Re: Where should I be financially at 39?

I would more look at how frugally you can live, if you can pick up some side hustles, and how much you can save going forward. SAVE SAVE SAVE! I would be obsessive about it for the next 10 years and then see where you are at. You are ahead of many because you are at least aware that you need to be ...
by dh
Thu Oct 25, 2018 2:46 pm
Forum: Investing - Theory, News & General
Topic: In what order should I read these books?
Replies: 42
Views: 7048

Re: In what order should I read these books?

All of the books listed by the OP are excellent books. I am not smart enough to suggest an order for reading them. I would like to add one to the pile -- The Coffeehouse Investor (original version) by Bill Schultheis was one of my first investing books. It is a quick read that provides great advice ...
by dh
Thu Oct 25, 2018 11:32 am
Forum: Investing - Help with Personal Investments
Topic: For those waiting for a 'correction' ...
Replies: 109
Views: 1235639

Re: For those waiting for a 'correction' ...

When the P/E 10 was between 21.1 and 25.1 (it's currently in about the middle of that range), the 10-year forward real return averaged just 0.9 percent. The best 10-year forward real return was still 8.3 percent per year, but the worst 10-year forward real return was -4.4 percent per year. I believ...
by dh
Thu Oct 25, 2018 8:59 am
Forum: Investing - Help with Personal Investments
Topic: For those waiting for a 'correction' ...
Replies: 109
Views: 1235639

Re: For those waiting for a 'correction' ...

I am a person who has always struggled with the definition and the use of the word "correction." I believe it is a percentage off the recent high. Maybe I am the only Boglehead that feels this way, but that appears to be an strange method to define something labeled "correction." So, no I am not do...
by dh
Thu Oct 25, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: For those waiting for a 'correction' ...
Replies: 109
Views: 1235639

Re: For those waiting for a 'correction' ...

I am a person who has always struggled with the definition and the use of the word "correction." I believe it is a percentage off the recent high. Maybe I am the only Boglehead that feels this way, but that appears to be an strange method to define something labeled "correction." So, no I am not doi...
by dh
Thu Oct 11, 2018 9:14 am
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 102
Views: 9971

Re: When will you backup the truck on stocks

My plan is to stay with my asset allocation and rebalance when / if it falls 5% outside my allocation. However, I have a "nudge" in my IPS: If the CAPE PE10 is <10.0 (currently 31.5), then I will increase my stock allocation to 75% (25% fixed income). My nudge may sound like market timing to those w...
by dh
Wed Sep 26, 2018 12:14 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 Forward P/E ratio - Are stocks highly valued?
Replies: 75
Views: 5556

Re: Are stocks highly valued?

Are stocks highly valued? willthrill81: There are many ways to value stocks. It doesn't matter to me. I avoid market-timing and stay-the-course. Best wishes. Taylor I truly appreciate Taylor's response. It seems that as long-term investors, we own stocks when markets are "high" and we own stocks wh...
by dh
Wed Sep 19, 2018 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Traveling overseas .. credit cards? cash exchange?
Replies: 43
Views: 2875

Re: Traveling overseas .. credit cards? cash exchange?

Am I missing other options? I do not have time to get a new credit card with no international fees before my trip. It depends where you’re going. In parts of Southeast Asia, I was surprised to find that many hotels will exchange US dollars for local currency at good rates and with no fees. It’s too...
by dh
Wed Sep 19, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Traveling overseas .. credit cards? cash exchange?
Replies: 43
Views: 2875

Traveling overseas .. credit cards? cash exchange?

I am exploring best options for using cash, credit cards, and/or debit cards overseas. All the credit cards I have include a 3% fee on international transactions. I am leaning toward using my Citi card that offers a 2% cash back on purchases, essentially reducing my cost to 1% on international trans...
by dh
Mon Sep 10, 2018 8:26 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 107118

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Post #1001 in this epic thread ... definitely a good read so far. Some day there might be a thread "US investing has been a disaster!". Waiting for a poster from the future to confirm :twisted: :shock: I am fairly confident we will see that thread title one day. For those of us old enough to rememb...
by dh
Sun Sep 09, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Bored
Replies: 56
Views: 9651

Re: Bored

OP - congratulations! :sharebeer I think we should change the commonly used expression to: "when you become bored with your finances, you've won the game." Like you, I found learning about finances and getting everything set up to be where the excitement lives. That fact is common in almost anything...
by dh
Sat Aug 25, 2018 4:59 pm
Forum: Investing - Theory, News & General
Topic: IRA contribution limits
Replies: 4
Views: 1263

Re: IRA contribution limits

Thank you for the quick responses!
by dh
Sat Aug 25, 2018 10:39 am
Forum: Investing - Theory, News & General
Topic: IRA contribution limits
Replies: 4
Views: 1263

IRA contribution limits

I have a feeling I know the answer to this question (“no”), yet I am going to throw it out anyway. Are there any economic variables (GDP, wage measurements, family wealth levels, etc) that "predict" when annual IRA and Roth contributions will be increased? Past limits I found online (I only listed t...
by dh
Wed Aug 22, 2018 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for help building a portfolio that can weather a bear market but can also get us to our goals.
Replies: 20
Views: 1767

Re: Looking for help building a portfolio that can weather a bear market but can also get us to our goals.

What is your definition of "weather"? E.g., maximum 1 year decline, length of time to recover, etc.? Great questions, thank you. By weather I mean, If I have one asset decreasing in value I'd like to have a different one increasing in value so that I can rebalance and bring some stability to my por...
by dh
Sat Aug 18, 2018 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Better Behavioural Finance Books?
Replies: 17
Views: 1385

Re: Better Behavioural Finance Books?

VictoriaF wrote:
Thu Aug 16, 2018 6:05 pm
"Nudge" and "Misbehaving" by Richard Thaler, 2017 Nobel Prize winner.

Victoria
+1 Those two books by Thaler are my favorites.
by dh
Mon Aug 13, 2018 7:43 pm
Forum: Investing - Theory, News & General
Topic: Dealing with Impatience reaching financial goals
Replies: 36
Views: 6053

Re: Dealing with Impatience reaching financial goals

I have felt a similar impatience. Rather than trying to pinch pennies further and accelerate the process, I decided to "chunk" my goals. Instead of thinking about that ultimate financial goal (usually a number), come up with sub goals (yearly, 5 years, 10 years, etc). Remember the path to saving 2 m...
by dh
Mon Aug 13, 2018 6:43 am
Forum: Investing - Theory, News & General
Topic: How can I use the Rising Equity Glide Path?
Replies: 61
Views: 4222

Re: How can I use the Rising Equity Glide Path?

From what I've read on the topic, the idea is to DECREASE equities a few years before retirement (my potential situation), to then increase again a few years after I retire. That is my understanding as well. However, I am uncertain about increasing equities after retirement. Does increasing the per...
by dh
Mon Aug 06, 2018 12:02 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Disrupted Expectations
Replies: 53
Views: 6317

Re: Larry Swedroe: Disrupted Expectations

I think how much valuation matters is dependent upon your investment horizon and your distribution of your contributions. I agree with Packer. When I hear friends say "valuations don't matter," I believe they are suggesting it doesn't matter today (don't go out an sell everything today, nor go 100%...
by dh
Thu Aug 02, 2018 11:02 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 762
Views: 78783

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Forgive me if someone else already raised this point, and forgive me if I am wrong - but I feel like I need to call BS. These are fund of funds - aka its a feeder fund that simply invest in underlying fidelity funds, funds that carry an expense ratio. So although the fund you are investing in may n...
by dh
Thu Aug 02, 2018 9:45 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 762
Views: 78783

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Forgive me if someone else already raised this point, and forgive me if I am wrong - but I feel like I need to call BS. These are fund of funds - aka its a feeder fund that simply invest in underlying fidelity funds, funds that carry an expense ratio. So although the fund you are investing in may n...
by dh
Wed Aug 01, 2018 7:19 pm
Forum: Personal Consumer Issues
Topic: Attn: Buffalo area Bogleheads --> St. Catharines
Replies: 7
Views: 719

Re: Attn: Buffalo area Bogleheads --> St. Catharines

Thank you bsteiner and ValueThinker. I appreciate the suggestion and will have my passport with me. Thanks again!
by dh
Tue Jul 31, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: Attn: Buffalo area Bogleheads --> St. Catharines
Replies: 7
Views: 719

Attn: Buffalo area Bogleheads --> St. Catharines

My personal consumer issue is finding out the best strategy to travel from Buffalo Niagara International Airport (BUF) to St. Catharines, Ontario. I am hoping some Buffalo area Bogleheads could provides some info. My preference is to NOT rent a car. Is there public transportation (train?) from the a...
by dh
Mon Jul 23, 2018 7:13 am
Forum: Investing - Theory, News & General
Topic: Index-ish fund that lacks FAANG?
Replies: 45
Views: 4817

Re: Index-ish fund that lacks FAANG?

Look for a value index fund for no exposure such as Vanguard Value Index Fund. While it's not a member of FAANG, users may be surprised to learn that Microsoft is the largest holding in the Vanguard Value fund at 6.1%. Perhaps being a competitor to A, A, and G (maybe a little N) counts for the purp...
by dh
Fri Jun 29, 2018 7:15 pm
Forum: Investing - Theory, News & General
Topic: Yes, It’ll Happen - Jonathan Clements
Replies: 33
Views: 7377

Re: Yes, It’ll Happen - Jonathan Clements

Great article. I agree with all except the last bit. I've personally decreased my standard of living on purpose (how much I spend per year) quite a bit, and it's brought me even more happiness. It's nice to know that if I needed to go back to a richer lifestyle, I always can. It's amazing how many ...
by dh
Sun Jun 24, 2018 8:02 am
Forum: Investing - Theory, News & General
Topic: I-bonds look pretty bad right now
Replies: 92
Views: 11933

Re: I-bonds look pretty bad right now

For those looking to dump their I Bonds with 0% real rates, a good time might be if we have a 6-month period of 0% or less inflation, as you will then be able to sell them with no penalty, but you have to hold them for three months earning 0% first. Kevin Kevin, can you explain why you believe you ...
by dh
Sat Jun 23, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: I-bonds look pretty bad right now
Replies: 92
Views: 11933

Re: I-bonds look pretty bad right now

For those looking to dump their I Bonds with 0% real rates, a good time might be if we have a 6-month period of 0% or less inflation, as you will then be able to sell them with no penalty, but you have to hold them for three months earning 0% first. Kevin Kevin, can you explain why you believe you ...
by dh
Tue Jun 19, 2018 9:27 am
Forum: Investing - Theory, News & General
Topic: I-bonds look pretty bad right now
Replies: 92
Views: 11933

Re: I-bonds look pretty bad right now

Many of the Bogleheads (including me) backed up the truck and loaded up on the old 3.0, 3.3, 3.4 and 3.6% fixed rate I Bonds and are now sitting fat, dumb and happy with nice returns on a risk-free investment. But those were the good old days that we may never see again. Mel, you are the first pers...
by dh
Sun Jun 17, 2018 11:35 am
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 13072

Re: Which boglehead rule do you break--and are ok with

I don't think I am 0% or 100% on any of the following. Yet, I hope I meet a threshold to still call myself a Boglehead. 1 Develop a workable plan (90%) 2 Invest early and often (50% - sadly, I wish I would have started earlier) 3 Never bear too much or too little risk (90%) 4 Diversify (99.9% - I am...
by dh
Wed May 23, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Financial and retirement issues associated w/ moving to Canada
Replies: 11
Views: 1075

Re: Financial and retirement issues associated w/ moving to Canada

Wow! Thank you to all who have replied. This is extremely helpful and more complicated than I imagined. I am mid 50s and would like to continue to work. If I did move, it would be to get married to SO. Someone mentioned that the provinces have unique "rules." She lives in Vancouver BC, and I would b...
by dh
Wed May 23, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Financial and retirement issues associated w/ moving to Canada
Replies: 11
Views: 1075

Financial and retirement issues associated w/ moving to Canada

Greeting fellow Bogleheads, I have a question that stems from a complete lack of understanding issues associated with moving from the US to Canada. If you are kind enough to reply, please share the most obviously issues (assume you are explaining it to a Golden Retriever). I have a significant other...
by dh
Sun May 13, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: Inexpensive and comfortable outdoor patio furniture
Replies: 9
Views: 1369

Inexpensive and comfortable outdoor patio furniture

Hello my friends! I would like to buy just two chairs and a table for outdoors. I am open to any and all suggestions. My primary criteria is comfort. I truly do not care if they are wicker, metal, wood or if they are tall or short. It has been a crazy search at Lowes, Home Depot, Target, etc. I don'...
by dh
Sun Apr 29, 2018 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Guaranteed Annuity
Replies: 83
Views: 4632

Re: TIAA Guaranteed Annuity

Hi, Kathys You will enjoy interacting with people on the TIAA discussion board (many of them post there and on this site at Bogleheads). One of the previous posters stated that TIAA Traditional can be viewed as a stable value fund. The 4% rate you keep asking about is the interest rate you will earn...
by dh
Sun Apr 22, 2018 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Which Lazy Portfolio is the best for taxable investing
Replies: 6
Views: 925

Re: Which Lazy Portfolio is the best for taxable investing

I am not familiar with Fidelity. Perhaps they have an equally inexpensive Total World ETF. If not, perhaps you can buy the Vanguard ETF (VT) through your Fidelity brokerage account. Best wishes!
by dh
Sun Apr 22, 2018 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Which Lazy Portfolio is the best for taxable investing
Replies: 6
Views: 925

Re: Which Lazy Portfolio is the best for taxable investing

Rick's two fund portfolio is simple and clean (depending upon your taste for complexity) https://www.bogleheads.org/wiki/Lazy_portfolios If you are in a high tax bracket, you could go VT on the stock side and a combination of tax exempt bonds, I-Bonds, and cash (in place of Total Bond fund or ETF). ...
by dh
Sun Apr 15, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Las Vegas hotel
Replies: 44
Views: 4036

Re: Las Vegas hotel

I was in Las Vegas 2 weeks ago. This is going to shock some people. We stayed at Planet Hollywood and it was amazing and inexpensive (we paid 119 for two weekend nights, and 49 for three weekday nights). Our room was incredibly clean, quiet, the bed was comfortable, and the staff at the hotel were e...