Bogleheads.org

Johm221122

I confused why you ask this question. It's extremely obvious what Bogle would say.
Are you sure your not looking for something else? I would bet the farm if he was alive, he'd recommend staying away from it

Johm221122

Hi everyone, I’m in my mid 30s and just starting out. I am kind of late a late investor, but today is better than tomorrow. My question is: 1) is it better to pick dividend ETFs or in a ROTH IRA? That way, it’s all tax free? Or, do you go with index funds, and which ones? 2) on that same question, ...

Johm221122

This is person specific. For example a million dollars is a lot more for a single person than a couple. You really have to take into account your personal circumstances but if your projected tax rate is lower in retirement you want to push tax deferred and say you have a pension and are a super save...

Johm221122

Wouldn't your answer lie in the specific person who had that money? The three fund portfolio is what it is but it won't turn 20 million into a billion quickly, start a dream business or make you famous if that was your goal for example

Johm221122

rockstar wrote: ↑Sat Apr 17, 2021 8:21 pm

I also don't get why folks are buying international equities.

In other words, investing is pretty irrational.

Because the U.S. stock market isn't guaranteed to keep beating international stock market. It paid off during my first 10 years(2000 to 2010)

Johm221122

I'm comparing a total bond fund (AGG, BND) with dividend reinvestment to an EE Bond. Both would be held for 20 years. The bond fund's return has two things to consider - the dividend yield and the fund's NAV. EE bonds currently yield 0.1% but holding for 20 years triggers the minimum 3.5% CAGR. For...

Johm221122

There is no problem with dividends. Non-dividend paying stock isn't really all that different from Bitcoin or Pokemon Cards. It relies on the Greater Fool theory. ...when you buy a stock that doesn't pay a dividend, that is not an investment, that is a speculation ...(b)ecause the only way you can ...

Johm221122

There is no problem with dividends. Non-dividend paying stock isn't really all that different from Bitcoin or Pokemon Cards. It relies on the Greater Fool theory. ...when you buy a stock that doesn't pay a dividend, that is not an investment, that is a speculation ...(b)ecause the only way you can ...

Johm221122

Sukhumvit wrote: ↑Fri Apr 16, 2021 1:35 pm could they use it in place of a 100% bond fund since it is about 60% bonds?

Not if they want 100% bonds, yes if they want 60% bonds and they want the risk of less bonds and to hold investment grade bonds

Johm221122

Assuming the OP has a 50 year investing timeline ahead of him. How often does he have to make this decision Yea, I am not recommending they flip back and forth all the time. I am just trying to outline what they are really asking as a math problem, instead of as an emotional decision. +1 the proble...

Johm221122

Basically, you are asking us to predict whether the loss you will get if/when rates rise will off-set the higher interest rate the intermediate bonds give versus short term bonds. Let's compare VBIRX to VBILX to my checking account. Intermediate: VBILX 6.6 Duration, 1.68% SEC Yield. Short: VBIRX 2....

Johm221122

We don't know the future of rates or your future transactions, to tell you if this is a good move.
I can tell you that I'm sticking to my plan and will buy, hold and rebalance as my plan says. Trying to time the bond market is as difficult as trying to time the stock market

Johm221122

BigSteve79 wrote: ↑Fri Apr 16, 2021 7:34 am Do you believe that despite just coming out of the covid-19 "recession", there could be another serious market decline in the near future.

There definitely could. All we need is an event to cause it. There is always risk investing

Johm221122

123 wrote: ↑Wed Apr 14, 2021 8:25 pm If you have concerns about "rule changes" for Social Security you should likely take benefits as early as possible. If the rules change they can't take away what you have already received.

Exactly why couldn't they? Plus the rules would never change quickly

Johm221122

is this a retirement or a taxable account? you don't want REITs in a taxable acct precisely because they pay dividends. We have a good friend of family who built up a very large passive income stream from dividends in a taxable account. Included REITs and High Dividend funds along with total market...

Johm221122

thanks for the fund information. i said i would think about it. up to january i was 90% stocks US based and 10% bonds. i've shifted to 60/40 and sleep better that's for sure but i should be opening up to shifting to some international (europe) and some REIT. He was telling me i should look for reit...

Johm221122

If your specifically looking for "dividend income" your purposely giving up diversification of other assets. Your making a bet that dividend stocks are better than a diversified portfolio and will have a better total return. Dividends are fine but I'm looking at total return of my portfoli...

Johm221122

Mine and my sister on laws both took 6 weeks. I did both in early February

Johm221122

Bogleheads - Interested to know if anyone invests in this fund? The yield is close to 4.85% and contains 80 of the 500 companies from the S&P 500 fund. The ETF is however equal weight and not market cap weight which has resulted is frequent rebalancing and turnover. Adding this ETF to the S&...

Johm221122

$25 a week( company pays $100+ a week) high deductible plan. But there other choices

Johm221122

Since going to a three fund portfolio, I have continued my subscription to Barrons, Morningstar, and Skousen. I am wondering if I should just drop them and get my financial news off the tv or the net. At least I wouldn't be tempted as much to buy an individual stock. I stopped watching or looking a...

Johm221122

Stick with the Target Date fund(at least for now and maybe forever).
There are plenty of opportunities to change by retirement and no penalties or taxes problems to do so.

Johm221122

I think during the tech meltdown from 2000 to 2002, value stocks and funds outperformed the S&P500 index (and therefore also passive index investors) by quite a bit. Well, when we look at a distribution of returns, we'll always be able to cherry pick the sample that outperforms. What I'm saying...

Johm221122

Yes, you can buy or sell within a IRA without creating a taxable event.

Johm221122

I stumbled upon an article on Yahoo Finance: "This is the single worst time to be a passive investor in since they started passive investments... The [S&P 500] index is highly likely to not make money over the next 10 years," said Bill Smead, chief investment officer of Smead Capital ...

Johm221122

Just putting money in S&P is what I am doing. I tried to look into buying real estate Buying individual stocks and etc. But everything seems like a lot of hassle and more risk than just cruising with DCA into the market. Do you guys have any other suggestion where to put money? You failed to me...

Johm221122

Just putting money in S&P is what I am doing. I tried to look into buying real estate Buying individual stocks and etc. But everything seems like a lot of hassle and more risk than just cruising with DCA into the market. Do you guys have any other suggestion where to put money? You failed to me...

Johm221122

It's neither easy nor cheap to make yourself 'paper poor' in order to get on Medicaid. Moving a tax-deferred balance into a trust requires realizing the income first and paying taxes accordingly. Which is the whole point of this thread...tax-deferred balances are a pain to deal with in retirement. ...

Johm221122

Less than 1% cash. Maybe 6 weeks of my bills/spending money.
I do have 6% of my money in I Bonds but I consider them long term bonds. I use to hold EE bonds to but sold at 20 year anniversary

Johm221122

Zillions wrote: ↑Wed Mar 31, 2021 11:41 pm 1. When people retire with less than a million, is it expected that there will be NO housing costs in retirement?

No, not even close

Johm221122

seoulmac wrote: ↑Thu Apr 01, 2021 9:25 am
Johm221122 wrote: ↑Thu Apr 01, 2021 9:16 am REITs in my opinion should be held at market weight unless you have a reason or specific knowledge to overweight them from market weight
By saying market weight then it should be part of the all world stock market index already?

Yes

Johm221122

I am reading Burton Malkiel’s book and he mentioned dividend growth stocks in bonds and bonds substitutes as part of the AA. With bond yields being low, this comes to my mind. What is general bogleheads’ view on dividend growth stocks? If something worth to be part of the AA, what are some good div...

Johm221122

I'm definitely going to have less than one million. Actually SS at 70 will be enough by itself to meet my basic needs.
I'm planning on spending about 30% to 40% of my portfolio in between retirement (hopefully early to mid 60's) and Social Security.

Johm221122

And yes, reading miscomprehension is strong with this thread. Lots of people who can't get past "safe" in "safest". To be fair, OP could have been better worded by saying "least risky" instead of "safest". He also used the word "safely." It cannot b...

Johm221122

There is no answer to your question. Nobody knows future, your risk tolerance etc... The answer lies inside you and your risk tolerance, ability to adapt and pure luck of sequence of returns. I personally am choosing 60/40 also but there are no guarantees. You could have almost any outcome from dyi...

Johm221122

There is no answer to your question. Nobody knows future, your risk tolerance etc... The answer lies inside you and your risk tolerance, ability to adapt and pure luck of sequence of returns. I personally am choosing 60/40 also but there are no guarantees. You could have almost any outcome from dyin...

Johm221122

And yes, reading miscomprehension is strong with this thread. Lots of people who can't get past "safe" in "safest". To be fair, OP could have been better worded by saying "least risky" instead of "safest". He also used the word "safely." It cannot b...

Johm221122

There's a difference between someone asking for a guaranteed 7% return, which doesn't exist, and the safest way possible to shoot for 7% long term. OP never asked for the former despite some of the dismissive responses he received. The latter is very doable with plain old VOO or VTI. Will it return...

Johm221122

Both are attractive but I wanted to see if anyone has opinions or experience with these funds. My main goal is monthly cash flow/return and I have medium to high risk tolerance.l Thanks! Welcome to Forum, Most of us think total return and not income. We need more information, try asking portfolio q...

Johm221122

I didn't have a choice most of my investment timeline. Now that I do, S&P 500 works better because I overweight Mid/Small cap.
But for most people I would recommend Total Stock Market index

Johm221122

I use a goal based AA (until withdrawal stage)
33% or less of goal or less 80% stocks
33% to 66% of goal 70% stocks
66%+ and retirement 60% stocks

Johm221122

Bond funds not fairing too well lately and it appears the future is not bright. We are recently retired and have 50% of portfolio in bond split amongst total index bond, high yield index bonds, and short term index bonds. Does that appear to be a good allocation? Your answer to 50% bonds, will only...

Johm221122

I'd say it's unnecessary risk. The oversized returns were when it was a small company and Buffet is 90 years old.
Don't let the tax tail waive the dog

Johm221122

The problem with OP's thought process on having another 20 years of "Bull Market" is faulty. The most important thing is your ending amount after 20 years. We currently have not have had a 20 year Bull market and most of us are happy with portfolio returns. A 20 year Bull market shouldn't ...

Johm221122

why don’t I invest in a single fund that is all S&P stocks and returns the average 8% over the next 30 years? This seems to me straightforward, simple and resilient against market drops like 2008 or 3/2020. Is this less than optimal or misguided? Thanks. Because diversification is a free lunch ...

Johm221122

jebmke wrote: ↑Sat Mar 20, 2021 11:33 am when was the first 20 years?

+1
I don't remember 2000/20001 thru 2010 as a bull market,at least not U.S. large cap

Johm221122

I’m a little worried about my bond portfolio with interest rates going up . Your trying to time the bond market and I have heard this "theory" for 20 years. You shouldn't be worried about your portfolio. You need to have an asset allocation that meets" your need, ability and willingn...

Johm221122

If interest rates increase. Does anyone change their bond index fund percentage to avoid possible decrease value? No, I would rebalance Rebalancing is the action of bringing a portfolio that has deviated away from one's target asset allocation back into line. The objective is to maintain a consiste...

Johm221122

You should lump sum
The only question is should you be less aggressive. Investing shouldn't have you worried

Johm221122

What type of funds do you guys invest in when you're nearing retirement or in retirement? Do you guys keep the 3 fund portfolio or do you guys transition some of your funds to the high dividend yield or dividend appreciation. Thanks The funds you hold at any given time should depend on your investm...

Search found 5278 matches