Search found 268 matches

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: 1043
Views: 79665

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: 9345

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: 629

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: 629

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: 1690

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: 1326

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: 5766

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: 3980

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: 5913

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: 731
Views: 68922

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: 731
Views: 68922

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: 688

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: 688

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: 42
Views: 4218

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: 7262

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: 11140

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: 11140

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: 11140

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: 12571

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: 1013

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: 1013

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: 7
Views: 928

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: 4151

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: 785

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: 785

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: 3707

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...
by dh
Tue Mar 27, 2018 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone buying CDs now instead of I bonds?
Replies: 22
Views: 3820

Re: Is anyone buying CDs now instead of I bonds?

I appreciate the OP's question. I have not done an analysis, yet I have a very clear preference for I-Bonds over CDs. I have been building my I-Bonds for years. Like many, I wish I would have maxed out in those early years when Mel seemed to be the only one recommending them. My preference for I-Bon...
by dh
Sun Feb 18, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Expected return of US vs International, basic question
Replies: 33
Views: 2606

Re: Expected return of US vs International, basic question

For me, I diversify because I don't know (nor do I believe anyone knows international will outperform). Opinions and a quarter is worth about 25 cents.
My strategy: 50% US / 50% International
:sharebeer
by dh
Sun Jan 28, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 14014

Re: Starting to feel like the late 1990s?

It feels like January 2018. We have no clue what’s next, as usual. Make sure you’re comfortable with your asset allocation. Happy Friday and stay the course! :beer +1 No one knew what was next at the end of the 90s either. Those that were comfortable with their asset allocation and had a plan in pl...
by dh
Wed Jan 24, 2018 10:09 pm
Forum: Investing - Theory, News & General
Topic: In what ways could BogleHeads be badly wrong ?
Replies: 244
Views: 24961

Re: In what ways could BogleHeads be badly wrong ?

# 1 Trend following may work better than buy and hold # 2 Choosing stocks may become easier than it has been in the past # 3 Picking mutual fund managers may become easier than it has been in the past # 4 Factor investing may work out a lot better than many of us think # 5 Future stock returns may ...
by dh
Wed Jan 10, 2018 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Sequence of Return Risk impact on Retirement
Replies: 103
Views: 5714

Re: Sequence of Return Risk impact on Retirement

This is a great thread on sequence of return risk. Market timing is a taboo topic; yet, "what happens next" (either when we start saving or when we retire) can make a significant difference. The following youtube clip from a Stanford Online class is illustrative. One can be fortunate, or not so fort...
by dh
Wed Jan 10, 2018 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Buy I and EE bonds now, or wait
Replies: 7
Views: 735

Re: Buy I and EE bonds now, or wait

Hayden wrote:
Wed Jan 10, 2018 1:53 pm
I buy I and EE bonds each year. Plan to hold them to maturity. Should I purchase now, or wait until later in the year when rates may be higher?
Hi, Hayden. The key to your question is the phrase "when rates may be higher"
No one knows if the fixed rate will rise or go back to 0%.
by dh
Tue Jan 09, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 188
Views: 24324

Re: Anyone disenchanted with retirement?

I've a friend who's 84 still working for state.gov.,because he likes it. Interesting -- the people who work into their 70s and 80s like it. Those who retire like it. To me, it sounds like people are making really great decisions based on their own preferences. Nothing better than that! :sharebeer
by dh
Sun Jan 07, 2018 9:54 pm
Forum: Investing - Theory, News & General
Topic: 2017 Callan Periodic Table of Investment Returns
Replies: 35
Views: 5611

Re: 2017 Callan Periodic Table of Investment Returns

montanagirl wrote:
Sat Jan 06, 2018 10:19 pm
I stare at it and stare at it, wishing I could figure out the pattern...you'd think some genius would come up with an algorithm. :greedy
... and then write a book, start a blog, maybe teach a class... :sharebeer

I agree with Taylor's post above! 100%.
by dh
Mon Dec 25, 2017 3:01 pm
Forum: Investing - Theory, News & General
Topic: Inflation can cream bonds VBTLX vs VSCSX
Replies: 42
Views: 4390

Re: Inflation can cream bonds VBTLX vs VSCSX

I am not as worries about inflation as the original poster. Yet, I do hold VAIPX in my Roth. I think Nisiprius is spot on. If you want to hold bonds but you are concerned about inflation, surely the obvious suggestion is a TIPS fund, like Vanguard's VIPSX (VAIPX for Admiral shares). Do you have a re...
by dh
Fri Dec 15, 2017 9:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 129
Views: 35633

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]

tj: Under the Portfolio tab you can see the country breakdown (near the bottom of the page). Listed as Country diversification (% of fund) as of 11/30/2017 Yes but you cannoot see the individual stock and bond holdings. Not yet. That info will most likely be available in January. Hang in there tj O...
by dh
Fri Dec 15, 2017 11:19 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 129
Views: 35633

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]

tj: Under the Portfolio tab you can see the country breakdown (near the bottom of the page).
Listed as Country diversification (% of fund) as of 11/30/2017
by dh
Fri Dec 15, 2017 10:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 129
Views: 35633

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]

I see that the initial portfolios for Global Wellesley and Global Wellington are now available. In just looking at the equity breakdown: Global Wellington's US equity holdings are just over 50%, and Global Wellesley US equity holdings are just under 50%. Wellesley includes emerging markets, whereas ...
by dh
Tue Dec 12, 2017 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Where to save cash over 5 years.
Replies: 35
Views: 4081

Re: Where to save cash over 5 years.

My vote for "cash" savings for five years would be to put $6,000 ($500 per month) in I-Bonds each year. :sharebeer
by dh
Mon Dec 04, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Family Finance Meeting Agenda
Replies: 23
Views: 2718

Re: Family Finance Meeting Agenda

I am the OP. Thank you so much for the thoughtful replies. I appreciate each of you sharing your thoughts!
by dh
Mon Dec 04, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Family Finance Meeting Agenda
Replies: 23
Views: 2718

Family Finance Meeting Agenda

When I think about the things that I have handled well in my finances, and areas that I need to improve one particular idea comes to the fore. Specifically, family finance meetings. For any of you that sit down regularly with your partner, I have a few questions: 1) How often do you sit down to talk...
by dh
Fri Nov 24, 2017 10:58 am
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 11305

Re: Why does everyone keep increasing their international stock %?

Da5id wrote:
Fri Nov 24, 2017 10:51 am
buy the haystack (which I think includes Int'l).
:thumbsup
by dh
Fri Nov 24, 2017 10:33 am
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 11305

Re: Why does everyone keep increasing their international stock %?

Someone has already posted that the increase in international is probably performance chasing . A year ago, when US stocks were outperforming International, individuals were saying 100% US (and no international). While not the reverse (100% international, 0% US), it seems that performance chasing i...
by dh
Fri Nov 24, 2017 9:59 am
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 11305

Re: Why does everyone keep increasing their international stock %?

Someone has already posted that the increase in international is probably performance chasing . A year ago, when US stocks were outperforming International, individuals were saying 100% US (and no international). While not the reverse (100% international, 0% US), it seems that performance chasing is...
by dh
Tue Nov 21, 2017 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Are you your own worse enemy when it comes to investing?
Replies: 34
Views: 2898

Re: Are you your own worse enemy when it comes to investing?

"Are you your own worse enemy when it comes to investing?" My initial response is -- I hope not, I wrote my IPS! Gasp. However, I think many responses really address the errors we make as irrational people, not rational econs. Richard Thayler's book "Misbehaving" has been helpful to me in catching m...
by dh
Fri Nov 17, 2017 11:48 am
Forum: Investing - Theory, News & General
Topic: Yet another TIPS thread
Replies: 3
Views: 674

Yet another TIPS thread

I just wanted to share a recent publication by TIPSWatch. For the first time in 10 auctions, the 10 Year TIPS real yield exceeded 0.5%. I know in the past others have compared this yield in buying decisions, yet I do not recall the "rules." Can anyone assist with decision making about future bond (n...
by dh
Wed Nov 08, 2017 7:13 pm
Forum: Investing - Theory, News & General
Topic: Investment Books & Your Library
Replies: 36
Views: 3302

Re: Investment Books & Your Library

I am not an expert on library operations; however, I am friends with my library's director. She has shared that they typically do not catalog books that were donated. Rather donations and books they have "weeded," end up in a library book sell to fund things for children's programs at the library. A...
by dh
Wed Oct 18, 2017 7:41 am
Forum: Investing - Theory, News & General
Topic: The overselling of international diversification
Replies: 56
Views: 6505

Re: The overselling of international diversification

Vanguard has a video on "home bias" (buying what you know), that may further our discussion:
https://investornews.vanguard/be-aware- ... investing/
by dh
Fri Oct 13, 2017 8:08 am
Forum: Investing - Theory, News & General
Topic: IBonds - now or wait? [November 2017 rate]
Replies: 40
Views: 7403

Re: IBonds - now or wait?

The September CPI-U was released this morning. https://www.bls.gov/schedule/news_release/cpi.htm Can any of the resident experts calculate what it means for the inflation -based component of I Bonds to be issued during the six months beginning November 1? Thanks. March: 243.801 September: 246.819 (...