Search found 4995 matches

by Johm221122
Sun Nov 19, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 2651

Re: What we don't know

It seems to me that much of the stuff that people argue about here amounts to "tweaking around the edges" in an attempt to attain maximum performance (according to whatever criterion you use for "performance"), rather than being satisfied with a plan that is simple and "good enough." Someone here o...
by Johm221122
Sun Nov 19, 2017 5:51 am
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 2651

Re: What we don't know

http://johncbogle.com/speeches/JCB_NE_Pension_4-00.pdf Four Key Elements of Investing: Reward, Risk, Time, and Cost ...for all of the projections and assumptions we make (and almost take for granted), there is one element of investing we cannot control: Reward. For future stock market returns are c...
by Johm221122
Sun Nov 19, 2017 5:39 am
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 2651

Re: What we don't know

Here is another way to look at,
We all would agree that a doctor,lawyer, electrician etc..would know more about their field than us,but when it comes to investing giving your personal circumstances,how many feel a professional advisor could do better than your current investment policy(plan)?
by Johm221122
Sun Nov 19, 2017 5:16 am
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 2651

Re: What we don't know

If we don't have certainty anywhere else in life, why should it exist in investing theory....a subject that has been around for maybe 40-50 years max? That's a real good point,investing as we know it ,is not a field that's been around real long.Index funds,401 plans,the internet are fairly recent i...
by Johm221122
Sun Nov 19, 2017 5:12 am
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 2651

Re: What we don't know

So exactly what do we we definitely know? Diversification works. You will have some exposure to whatever is best and not too much exposure to the things that don't work. This is not just for stocks and bonds but also things like Roth vs Traditional and Now vs Later decisions. Yes that is what looki...
by Johm221122
Sat Nov 18, 2017 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 2651

Re: What we don't know

We know to save as much as possible, am i save too much and missing life today invest in low cost funds, But something like Bitcoin makes me think is stocks and bonds best pick an appropriate asset allocation, exactly what is best keep debt reasonable Ok I can go with that or use debt sparingly , a...
by Johm221122
Sat Nov 18, 2017 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 2651

Re: What we don't know

Yes, we play the averages. Just like, on average, your spouse won't cheat on you but how do you definitively know? And your children won't turn out to be murdering cannibals. And your car won't explore in a fireball of death tomorrow because Central American narco-terrorists mistook you for an inve...
by Johm221122
Sat Nov 18, 2017 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 2651

Re: What we don't know

Tycoon wrote:
Sat Nov 18, 2017 10:13 pm
I know that investing has been really easy. By far the most effortless thing I've ever done to earn money.
This is a definite,investing in a Boglehead way is easier than working
by Johm221122
Sat Nov 18, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 2651

Re: What we don't know

We really don't know anything when it comes to investing,do we?Almost daily I see posts on Bogleheads that make me feel this way Which is better a CD ladder or bond fund,with interest rates this low? Which is better index funds or a low cost managed fund (Wellington,Wesley,Primecap...)? Am I saving...
by Johm221122
Sat Nov 18, 2017 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 2651

Re: What we don't know

Sandtrap wrote:
Sat Nov 18, 2017 10:00 pm
We know what we know and what others know through discussions.
We know we are wary, cautious, deliberate, methodical, and learned . . . and deservedly fearful.
And so, we know . . . we don't know.
And so knowledge and experience is shared to reinforce: "stay the course". :D
+1
by Johm221122
Sat Nov 18, 2017 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 2651

Re: What we don't know

We really don't know anything when it comes to investing,do we?Almost daily I see posts on Bogleheads that make me feel this way Which is better a CD ladder or bond fund,with interest rates this low? Which is better index funds or a low cost managed fund (Wellington,Wesley,Primecap...)? Am I saving...
by Johm221122
Sat Nov 18, 2017 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 2651

Re: What we don't know

We know to save as much as possible, am i save too much and missing life today invest in low cost funds, But something like Bitcoin makes me think is stocks and bonds best pick an appropriate asset allocation, exactly what is best keep debt reasonable Ok I can go with that or use debt sparingly , a...
by Johm221122
Sat Nov 18, 2017 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: What we don't know
Replies: 42
Views: 2651

What we don't know

We really don't know anything when it comes to investing,do we?Almost daily I see posts on Bogleheads that make me feel this way Which is better a CD ladder or bond fund,with interest rates this low? Which is better index funds or a low cost managed fund (Wellington,Wesley,Primecap...)? Am I saving ...
by Johm221122
Fri Nov 17, 2017 8:35 am
Forum: Investing - Theory, News & General
Topic: Holding VTSAX only
Replies: 33
Views: 3523

Re: Holding VTSAX only

Check out vanguard historical returns of portfolio
https://personal.vanguard.com/us/insigh ... llocations

I like 60-70 % stocks in accumulation phase

20-40% of equity in international
by Johm221122
Fri Nov 17, 2017 5:41 am
Forum: Investing - Help with Personal Investments
Topic: Bond fund in a ROTH
Replies: 28
Views: 2117

Re: Bond fund in a ROTH

jtelwood wrote:
Fri Nov 17, 2017 1:51 am


Last question. What VG bond fund would you recommend for our ROTH IRA's - I was thinking about either an intermediate corporate or intermediate Treasury. Looking forward to your recommendations.

Thanks again.

jte
I would use Total Bond index
by Johm221122
Thu Nov 16, 2017 9:20 pm
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 95
Views: 3879

Re: Where did you first learn about investing?

My roommate an co worker traded options using a system with WSJ,he said something about 3 factors,The front page,heard on the street and a third factor.Needles to say he didn't appear to be successful(needed roommate and we both worked tons of overtime)
by Johm221122
Thu Nov 16, 2017 9:25 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1101548

Re: U.S. stocks in freefall

oldcomputerguy wrote:
Wed Nov 15, 2017 9:15 pm


If only we could control that ...
We don't need to control it,we just need a basic idea of what the market will do and when :sharebeer
by Johm221122
Thu Nov 16, 2017 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Bond fund in a ROTH
Replies: 28
Views: 2117

Re: Bond fund in a ROTH

I believe the prevailing wisdom here is that it always makes sense to hold bonds and bond funds in tax advantaged accounts as they are by nature tax inefficient. Yes, but generally, I think, it’s bonds in tax -deferred (tIRA, 401k, etc.) and equities in tax -free Roth. PRIMECAP goes into the Roth, ...
by Johm221122
Thu Nov 16, 2017 5:51 am
Forum: Investing - Help with Personal Investments
Topic: Bond fund in a ROTH
Replies: 28
Views: 2117

Re: Bond fund in a ROTH

Yes, If you hold stocks in taxable If your 401 doesn't have good bond option If your risk adverse If your Roth is all your assets If you use balanced funds Many more that is just off the top of my head,I use too but use 401(stable value)and savings bonds for my fixed income My ROTH is international ...
by Johm221122
Tue Nov 14, 2017 8:25 am
Forum: Investing - Help with Personal Investments
Topic: problem new Vanguard Global Wellington fund
Replies: 29
Views: 1889

Re: problem new Vanguard Global Wellington fund

Your thoughts are appreciated. What I did not expect was the display of changes to the value. NAV has to be tallied and available everyday Mutual funds are required by law to determine the price of their shares each business day. A fund's net asset value (NAV) per share is the current value of all ...
by Johm221122
Mon Nov 13, 2017 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio
Replies: 2
Views: 409

Re: Retirement Portfolio

Please list full names at very least,but more information would be helpful https://www.bogleheads.org/forum/viewtopic.php?t=6212 Welcome to the Bogleheads Forum. There are many knowledgeable and helpful people who are part of this online community. Most of these posters are willing to share their ti...
by Johm221122
Mon Nov 13, 2017 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Where to start investing?
Replies: 15
Views: 852

Re: Where to start investing?

Greetings community, Let me just provide some initial background: Me and my wife are in our early 20s. This is great time to start We have minimal debt and make a bit over 100K together. this is good We have savings in between 25-30k (our avg monthly savings rate is between 1700-2000) We would like...
by Johm221122
Sun Nov 12, 2017 5:34 am
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 106
Views: 10230

Re: Tipping for restaurants where you order at the counter

Last, I do think there's a social pressure component in that we tip because we come face-to-face with the server. For example, many of my friends are generous tippers in restaurants and bars, but do not tip the hotel housekeeper, which I think is a substantially more difficult job with less pay. Th...
by Johm221122
Sat Nov 11, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 106
Views: 10230

Re: Tipping for restaurants where you order at the counter

Last, I do think there's a social pressure component in that we tip because we come face-to-face with the server. For example, many of my friends are generous tippers in restaurants and bars, but do not tip the hotel housekeeper, which I think is a substantially more difficult job with less pay. Th...
by Johm221122
Sat Nov 11, 2017 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: What's your weighted average expense ratio?
Replies: 65
Views: 3217

Re: What's your weighted average expense ratio?

If you don't count savings bonds and stable value,It's about .5(two thirds of my stock allocation is .63,cheapest option in 401)
If i change in December to a new bond fund offered in my 401,it will increase even more
by Johm221122
Sat Nov 11, 2017 5:47 am
Forum: Investing - Help with Personal Investments
Topic: New Member Help on my Portfolio
Replies: 9
Views: 711

Re: New Member Help on my Portfolio

So I should switch from TD fund to Total Stock Market index. Miss out on the annual dividend for that fund which could add $1300 or so to my portfolio? Could I switch after the dividend date then? You could switch after dividend date but taxes would be do,you should come up with plan so you know wh...
by Johm221122
Fri Nov 10, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Buying bitcoin / Cryptocurrency to market cap (.3%)
Replies: 42
Views: 3081

Re: Buying bitcoin / Cryptocurrency to market cap (.3%)

Im 27 and have 6k split between Bitcoin, Ethereum, and Litecoin. Dont plan on checking again until 2022. Either I lose 6k, keep 6k or wake up and make a profit. +1. I hold the same cryptocurrency basket, but would never consider investing to market cap or even calling it part of my AA. It's a fun e...
by Johm221122
Fri Nov 10, 2017 9:01 am
Forum: Investing - Help with Personal Investments
Topic: Buying bitcoin / Cryptocurrency to market cap (.3%)
Replies: 42
Views: 3081

Re: Buying bitcoin / Cryptocurrency to market cap (.3%)

Im 27 and have 6k split between Bitcoin, Ethereum, and Litecoin. Dont plan on checking again until 2022. Either I lose 6k, keep 6k or wake up and make a profit. +1. I hold the same cryptocurrency basket, but would never consider investing to market cap or even calling it part of my AA. It's a fun e...
by Johm221122
Fri Nov 10, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: New Member Help on my Portfolio
Replies: 9
Views: 711

Re: New Member Help on my Portfolio

401k expense ratios hover around 1-1.2% I will have to check Even at 1% your plan is probably better than taxable https://www.bogleheads.org/forum/viewtopic.php?t=11031 . No IRA because I'm dumb. You can still do this year and next year is soon(put bonds here) And what would you suggest for taxable...
by Johm221122
Fri Nov 10, 2017 6:19 am
Forum: Investing - Help with Personal Investments
Topic: New Member Help on my Portfolio
Replies: 9
Views: 711

Re: New Member Help on my Portfolio

Welcome to forum

What funds are in your 401?expense ratios?
Why no IRA?
I wouldn't do a Target Retirement fund in taxable
https://www.bogleheads.org/wiki/Tax-eff ... _placement
by Johm221122
Tue Nov 07, 2017 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 151
Views: 12687

Re: How old are you and how much do you save for retirement a year

48 saving 10% or 6k ,but I saved 30+ percent for 20 years, kids change things
by Johm221122
Tue Nov 07, 2017 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: ETF Retirement Strategies
Replies: 10
Views: 1114

Re: ETF Retirement Strategies

https://www.bogleheads.org/wiki/Rebalancing The objective is to maintain a consistent mix of asset classes (most commonly equities vs. fixed income) in order to control risk at the level desired by the investor. This is accomplished by transferring funds from higher-performing classes to lower-perfo...
by Johm221122
Tue Nov 07, 2017 5:13 am
Forum: Investing - Help with Personal Investments
Topic: ETF Retirement Strategies
Replies: 10
Views: 1114

Re: ETF Retirement Strategies

In a three fund portfolio nothing goes, You pick an asset allocation https://www.bogleheads.org/wiki/Asset_allocation that meets your "need,ability and willingness"to take risk For example Total stock market index 50% Total international index 25% Total bond market index 25% And you rebalance https:...
by Johm221122
Sun Nov 05, 2017 8:43 pm
Forum: Investing - Theory, News & General
Topic: I-bond inflation irony?
Replies: 35
Views: 3571

Re: I-bond inflation irony?

Thanks nisiprius.You made it sound like local banks would probably not redeem them,or I misread what you said.So in my great wisdom,I assumed the Federal Reserve would certainly redeem them.It will likely be 14 years before she redeems them so I have time to figure it out,if we both last that long ...
by Johm221122
Sun Nov 05, 2017 4:52 am
Forum: Investing - Help with Personal Investments
Topic: Sell stocks in brokerage account to fund IRA?
Replies: 15
Views: 1262

Re: Sell stocks in brokerage account to fund IRA?

I only have enough money to max out my 401k this year. Should I sell stocks in a taxable account to get it into a Roth or Traditional IRA? Or should I leave it in the taxable account with hopes of using it for early retirement? As mentioned not enough information,but IRA space is use it or loose it...
by Johm221122
Sun Nov 05, 2017 2:04 am
Forum: Personal Finance (Not Investing)
Topic: Lets talk emergency funds and I-bonds
Replies: 23
Views: 2051

Re: Lets talk emergency funds and I-bonds

Sandtrap wrote:
Sat Nov 04, 2017 10:38 pm
To me the whole idea of "emergency funds" is accessibility/liquidity. Thus, for "First tier": cash, high yield accts, CD's, money market, etc. Anywhere from 3-5X. Huge sleep factor :D
You can get cash in hand at my bank in less than half hour with paper savings bond
by Johm221122
Sat Nov 04, 2017 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in index funds at this moment
Replies: 50
Views: 3631

Re: Investing in index funds at this moment

Is it a good time to invest in index funds? Right now the stock market is at it's most overvalued by the Cyclically adjusted price-to-earnings ratio (CAPE) ratio since 1929 and the peak of the dot com bubble. It feels like a correction is due at any point now. Generally, you should not take market ...
by Johm221122
Sat Nov 04, 2017 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in index funds at this moment
Replies: 50
Views: 3631

Re: Investing in index funds at this moment

But what if someone is 67 years old, a year away from retirement and with lots of cash on the sidelines. Shouldn't that make someone leery of putting this money at risk after this historic run up in stock prices? A 67 needs to have a portfolio that meets his/her "Need,ability and willingness to tak...
by Johm221122
Sat Nov 04, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Lets talk emergency funds and I-bonds
Replies: 23
Views: 2051

Re: Lets talk emergency funds and I-bonds

I've been using savings bonds as my emergency fund since early 2000ish,pure accident not original plan When i first started to invest I didn't want to have all my savings in 401/IRA bought taxable funds and savings bonds As I learned more I got rid of taxable accounts and just use 401/IRA,kept savin...
by Johm221122
Sat Nov 04, 2017 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: PRIMECAP Fund
Replies: 63
Views: 2759

Re: PRIMECAP Fund

Bill Miller beat index for 15 straight years Funds that beat index do it,to they don't do it I agree that consistently beating the benchmark index is not the norm for actively managed funds. I am also not in the business of trying to time the market or pick stocks. But...an actively managed fund li...
by Johm221122
Sat Nov 04, 2017 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: PRIMECAP Fund
Replies: 63
Views: 2759

Re: PRIMECAP Fund

Bill Miller beat index for 15 straight years To put that in perspective, only about one quarter of stock funds manage to beat the market in any given year; the odds of doing it 15 years in a row are astronomically low. Yet over the past decade, the fund has returned just 3.1% annually. That means th...
by Johm221122
Wed Nov 01, 2017 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Plan
Replies: 19
Views: 982

Re: Investment Plan

Welcome to forum

Using fund names is easier and leaves less room for mistakes

Are your funds in taxable and will new funds be taxable?
What is your tax rate?
by Johm221122
Wed Nov 01, 2017 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Need help on the first 5500 in Vanguard Roth IRA Account
Replies: 8
Views: 717

Re: Need help on the first 5500 in Vanguard Roth IRA Account

A Target retirement fund or life strategy fund is all you need The Vanguard Target Retirement funds and LifeStrategy funds employ a four fund allocation matrix. [note 11] The funds include: Vanguard Total Stock Market Index Fund Vanguard Total International Stock Index Fund Vanguard Total Bond Marke...
by Johm221122
Wed Nov 01, 2017 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Combining 401k
Replies: 21
Views: 1115

Re: Combining 401k

To be honest, I'm not very knowledgeable about 401k and IRA. That means I'm not sure which one is performing better. They both seem to be doing well with the way the market is at this time. I misspoke about combining 401k's. Actually one is an IRA and my current employer is a 401k. Is your IRA a ro...
by Johm221122
Wed Nov 01, 2017 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Combining 401k
Replies: 21
Views: 1115

Re: Combining 401k

To be honest, I'm not very knowledgeable about 401k and IRA. That means I'm not sure which one is performing better. They both seem to be doing well with the way the market is at this time. I misspoke about combining 401k's. Actually one is an IRA and my current employer is a 401k. Is your IRA a ro...
by Johm221122
Wed Nov 01, 2017 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Combining 401k
Replies: 21
Views: 1115

Re: Combining 401k

I currently have two separate 401k's. One from a previous employer and one from current employer. Is it better financially to combine the two? I'm assuming the growth would be more with them combined? Thanks for any input. What expense ratio of old 401?new 401? Your decision should be based on expe...
by Johm221122
Wed Nov 01, 2017 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Roth fund choices
Replies: 8
Views: 599

Re: Roth fund choices

What did you choose to have in your Roth IRA? Any reasoning you'd like to share? My ROTH is in international and extended market index International because my cheapest international fund in 401 is over 1% expense ratio and actively managed Extended market is what I rebalance with,I have it in both...
by Johm221122
Wed Nov 01, 2017 7:39 am
Forum: Investing - Help with Personal Investments
Topic: Long Term Savings in Roth IRA
Replies: 7
Views: 707

Re: Long Term Savings in Roth IRA

I think using Roth space is great idea,it's use it or loose anyway.If you decide to spend money before retirement fine,money is there to enjoy it Money may not be simply to enjoy, but for a purpose like self-funding long term care if and when needed. You can't save everything for retirement,if OP i...
by Johm221122
Wed Nov 01, 2017 7:19 am
Forum: Investing - Help with Personal Investments
Topic: Long Term Savings in Roth IRA
Replies: 7
Views: 707

Re: Long Term Savings in Roth IRA

I think using Roth space is great idea,it's use it or loose anyway.If you decide to spend money before retirement fine,money is there to enjoy it Money may not be simply to enjoy, but for a purpose like self-funding long term care if and when needed. You can't save everything for retirement,if OP i...