Search found 254 matches

by dh
Fri Jun 29, 2018 7:15 pm
Forum: Investing - Theory, News & General
Topic: Yes, It’ll Happen - Jonathan Clements
Replies: 33
Views: 7027

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: 10767

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: 10767

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: 10767

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: 11877

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: 928

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: 928

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: 836

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: 3856

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: 664

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: 664

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: 3396

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: 3645

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: 2483

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: 13668

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: 24293

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: 5381

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: 694

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: 184
Views: 21566

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: 5210

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: 4160

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: 34975

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: 34975

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: 34975

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: 3956

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: 2632

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: 2632

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: 10834

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: 10834

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: 10834

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: 2839

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: 659

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: 3224

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: 6261

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: 7129

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 (...
by dh
Thu Oct 12, 2017 2:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration [now available]
Replies: 129
Views: 34975

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration

Does anyone know an easy way I can track when these will be launched? I asked Vanguard on their facebook page when the launch is, and the response was "mid-october". I asked if there was any way to invest prior to launch, and the answer was no. So, so far the only way I know how to track this is to...
by dh
Wed Oct 11, 2017 10:50 pm
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate mystery
Replies: 24
Views: 2424

Re: I Bond fixed rate mystery

If there was any science to it, tipswatch.com would have covered it. https://tipswatch.com/tracking-inflation-and-i-bonds/ There does not appear to be. Previously I used to buy in May and November. Now, if the interest rate is positive in May I buy everything then. If zero, then I wait till Novembe...
by dh
Wed Oct 11, 2017 3:34 pm
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate mystery
Replies: 24
Views: 2424

I Bond fixed rate mystery

We are approaching that magical time of the year (Nov. 1) when the fixed rate for new I Bonds will be set. I have learned a great deal about I Bonds from many contributing members of this board (Mel, Victoria, Grok, ...). Thank you all! My only regret is I didn't buy more when the maximum was 36K (I...
by dh
Wed Oct 11, 2017 8:33 am
Forum: Investing - Theory, News & General
Topic: Cash on the sidelines impact ?
Replies: 14
Views: 1930

Re: Cash on the sidelines impact ?

"Cash on the sidelines" seems like another theory to predict the movement of markets (right up there with whether the AFC or NFC wins the super bowl). There will most likely be even more "cash on the sidelines" ten years from now. Does that mean the markets moved up, down, or sideways? Your guess is...
by dh
Sat Oct 07, 2017 9:16 am
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 110
Views: 13400

Re: VG wants everyone to transfer to a brokerage account?

I didn't accept the invitation to convert because the "new" brokerage account won't automatically invest the dividends and capital gains from one fund into another fund. I would have to direct them to the cash settlement fund, and then manually move them from the cash fund into the other fun, which...
by dh
Sat Aug 19, 2017 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: 3F Portfolio Beginner with Low Income
Replies: 7
Views: 1820

Re: The Three-Fund Portfolio [Portfolio help]

It's my first job fresh out of college, so I don't make much. I make 37.5k so I fall in the 15% bracket. I contribute 15% trad./15% Roth into Vanguard 2055 Target Retirement fund. $0 Debt. $0 rent. As you can see I am financially unburdened, and free to invest. However the biggest problem is I don'...
by dh
Sat Aug 19, 2017 5:36 pm
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 74
Views: 10733

Re: IBonds: My worst bond investment over the last 5 years

I never thought to compare my I-Bonds to equity funds, bond funds, ETF's etc. I-Bonds are an "insurance policy" against unexpected inflation (that is their purpose and why I have bought them for a long time). No one knows what the future holds, so trying to "guess" and pile into the one asset class ...
by dh
Thu Aug 17, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% CC or Citi double cash card?
Replies: 60
Views: 12297

Re: Fidelity 2% CC or Citi double cash card?

Got it! I will have cash rewards directed to my checking account, rather than use them to pay off card balances. Thanks all!
by dh
Thu Aug 17, 2017 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% CC or Citi double cash card?
Replies: 60
Views: 12297

Re: Fidelity 2% CC or Citi double cash card?

Like the Fido 2% right into my account better than the 1% now, 1% off the payment. If you redeem the Citi card by applying rewards to your balance, you don't get the full 2%. 1.99% vs. 2.00%. That's an extra $100 for every $1,000,000 you put on the card. Definitely a drawback... :) I just applied f...
by dh
Wed Aug 16, 2017 7:24 am
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 159
Views: 21454

Re: Social Security for Millennials

I think Bogleheads is the wrong place to ask this question. Millennials on Bogleheads will tend to be good planners/savers and will have enough to live off by retirement, making any SS "gravy". However, I imagine a vast majority of millennials will be depending on SS as a primary source of income i...
by dh
Thu Aug 10, 2017 5:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1448834

Re: U.S. stocks in freefall

Actually, if you want to know why the markets are down so much today, it is because I put a lot of money in yesterday. :annoyed Oh, you're the one! Grrrr! :annoyed :D Please keep this thread going. It's my favorite. I am having surgery tomorrow at noon, feeling stressed, yet just reading this threa...
by dh
Wed Aug 09, 2017 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Need help understanding TIPS funds
Replies: 15
Views: 1872

Re: Need help understanding TIPS funds

House Blend wrote:
Remember that delaying SS benefits until age 70 is a cheap way to purchase more inflation protection.
Excellent point. Thank you House Blend!
by dh
Wed Aug 09, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Need help understanding TIPS funds
Replies: 15
Views: 1872

Re: Need help understanding TIPS funds

If not the TIPS fund, what are solid strategies that people use to protect from future inflation? As far as safe investments go, TIPS and I-bonds are about the best you can do to guard against inflation. If you hold a decent percentage in stocks, then you could consider allocation greater percentag...
by dh
Wed Aug 09, 2017 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Need help understanding TIPS funds
Replies: 15
Views: 1872

Re: Need help understanding TIPS funds

^ IMO it's not a good idea to think that because you have (say) 10% allocated to a TIPS fund, you now are protected from inflation. What you have instead is a portfolio slice that will react to market conditions (especially unexpected inflation) in ways different from the way your other bonds react...