Search found 5278 matches

by Johm221122
Sun Apr 18, 2021 7:49 am
Forum: Investing - Theory, News & General
Topic: What would Bogle think of Dogecoin?
Replies: 30
Views: 1739

Re: What would Bogle think of Dogecoin?

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
by Johm221122
Sun Apr 18, 2021 7:41 am
Forum: Personal Investments
Topic: Dividend stocks or index in Roth IRA?
Replies: 8
Views: 721

Re: Dividend stocks or index in Roth IRA?

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, ...
by Johm221122
Sun Apr 18, 2021 7:35 am
Forum: Personal Investments
Topic: Ideal balance between tax deferred, Roth and taxable accounts
Replies: 15
Views: 1434

Re: Ideal balance between tax deferred, Roth and taxable accounts

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...
by Johm221122
Sun Apr 18, 2021 7:28 am
Forum: Investing - Theory, News & General
Topic: Do simple index fund-only portfolios (e.g., 3-fund, 5-fund, etc.) work for the ultra wealthy (say, $20+ million)?
Replies: 40
Views: 3483

Re: Do simple index fund-only portfolios (e.g., 3-fund, 5-fund, etc.) work for the ultra wealthy (say, $20+ million)?

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
by Johm221122
Sat Apr 17, 2021 8:24 pm
Forum: Investing - Theory, News & General
Topic: “Take risk on equity side”
Replies: 37
Views: 2727

Re: “Take risk on equity side”

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)
by Johm221122
Sat Apr 17, 2021 8:10 pm
Forum: Personal Investments
Topic: Help me understand Bond Fund returns vs EE Bond over 20 years
Replies: 3
Views: 531

Re: Help me understand Bond Fund returns vs EE Bond over 20 years

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...
by Johm221122
Fri Apr 16, 2021 10:03 pm
Forum: Investing - Theory, News & General
Topic: What’s the problem with dividends?
Replies: 224
Views: 12173

Re: What’s the problem with dividends?

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 ...
by Johm221122
Fri Apr 16, 2021 9:50 pm
Forum: Investing - Theory, News & General
Topic: What’s the problem with dividends?
Replies: 224
Views: 12173

Re: What’s the problem with dividends?

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 ...
by Johm221122
Fri Apr 16, 2021 1:56 pm
Forum: Personal Investments
Topic: Vanguard Wellesley
Replies: 18
Views: 3042

Re: Vanguard Wellesley

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
by Johm221122
Fri Apr 16, 2021 8:30 am
Forum: Personal Investments
Topic: Shorten duration of Bond allocation
Replies: 20
Views: 833

Re: Shorten duration of Bond allocation

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...
by Johm221122
Fri Apr 16, 2021 8:22 am
Forum: Personal Investments
Topic: Shorten duration of Bond allocation
Replies: 20
Views: 833

Re: Shorten duration of Bond allocation

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....
by Johm221122
Fri Apr 16, 2021 8:04 am
Forum: Personal Investments
Topic: Shorten duration of Bond allocation
Replies: 20
Views: 833

Re: Shorten duration of Bond allocation

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
by Johm221122
Fri Apr 16, 2021 7:39 am
Forum: Investing - Theory, News & General
Topic: Future Market Expectations
Replies: 33
Views: 2033

Re: Future Market Expectations

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
by Johm221122
Thu Apr 15, 2021 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: When to take Social Security
Replies: 13
Views: 1313

Re: When to take Social Security

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
by Johm221122
Thu Apr 15, 2021 8:04 am
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 103
Views: 5504

Re: thinking about adding some REIT

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...
by Johm221122
Thu Apr 15, 2021 7:58 am
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 103
Views: 5504

Re: thinking about adding some REIT

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...
by Johm221122
Thu Apr 15, 2021 7:52 am
Forum: Investing - Theory, News & General
Topic: What’s the problem with dividends?
Replies: 224
Views: 12173

Re: What’s the problem with dividends?

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...
by Johm221122
Wed Apr 14, 2021 10:07 am
Forum: Investing - Theory, News & General
Topic: S&P 500 High Dividend ETF - SPYD
Replies: 53
Views: 4667

Re: S&P 500 High Dividend ETF - SPYD

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&...
by Johm221122
Tue Apr 13, 2021 10:21 am
Forum: Personal Finance (Not Investing)
Topic: How much does your employer sponsered health insurance cost you?
Replies: 43
Views: 2552

Re: How much does your employer sponsered health insurance cost you?

$25 a week( company pays $100+ a week) high deductible plan. But there other choices
by Johm221122
Tue Apr 13, 2021 9:25 am
Forum: Personal Investments
Topic: [What do you read for financial news?]
Replies: 4
Views: 464

Re: [What do you read for financial news?]

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...
by Johm221122
Tue Apr 13, 2021 8:59 am
Forum: Personal Investments
Topic: 401k investing in "target" fund with retirement withdrawals in mind
Replies: 9
Views: 665

Re: 401k investing in "target" fund with retirement withdrawals in mind

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.
by Johm221122
Tue Apr 13, 2021 8:40 am
Forum: Investing - Theory, News & General
Topic: Is this the single worst time to be a passive investor
Replies: 73
Views: 9320

Re: Is this the single worst time to be a passive investor

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...
by Johm221122
Tue Apr 13, 2021 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Buy/Sell securities within Rollower IRA
Replies: 1
Views: 95

Re: Buy/Sell securities within Rollower IRA

Yes, you can buy or sell within a IRA without creating a taxable event.
by Johm221122
Mon Apr 12, 2021 8:31 am
Forum: Investing - Theory, News & General
Topic: Is this the single worst time to be a passive investor
Replies: 73
Views: 9320

Re: Is this the single worst time to be a passive investor

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 ...
by Johm221122
Sun Apr 11, 2021 10:19 pm
Forum: Personal Investments
Topic: I cant find anything better than S&P
Replies: 74
Views: 7966

Re: I cant find anything better than S&P

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...
by Johm221122
Sun Apr 11, 2021 7:22 pm
Forum: Personal Investments
Topic: I cant find anything better than S&P
Replies: 74
Views: 7966

Re: I cant find anything better than S&P

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...
by Johm221122
Sun Apr 11, 2021 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB
Replies: 154
Views: 11203

Re: Ed Slott's new book NEW RETIREMENT SAVINGS TIME BOMB

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. ...
by Johm221122
Wed Apr 07, 2021 1:25 pm
Forum: Personal Investments
Topic: How much cash do you really hold?
Replies: 91
Views: 6288

Re: How much cash do you really hold?

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
by Johm221122
Thu Apr 01, 2021 7:09 pm
Forum: Personal Investments
Topic: Retire with Less Than $1 million?
Replies: 175
Views: 35813

Re: Retire with Less Than $1 million?

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
by Johm221122
Thu Apr 01, 2021 7:03 pm
Forum: Non-US Investing
Topic: View on dividend growth stocks and REITs
Replies: 15
Views: 1707

Re: View on dividend growth stocks and REITs

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
by Johm221122
Thu Apr 01, 2021 9:16 am
Forum: Non-US Investing
Topic: View on dividend growth stocks and REITs
Replies: 15
Views: 1707

Re: View on dividend growth stocks and REITs

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...
by Johm221122
Wed Mar 31, 2021 8:05 am
Forum: Personal Investments
Topic: Retire with Less Than $1 million?
Replies: 175
Views: 35813

Re: Retire with Less Than $1 million?

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.
by Johm221122
Mon Mar 29, 2021 10:38 am
Forum: Personal Investments
Topic: The safest way to 7%?
Replies: 88
Views: 8352

Re: The safest way to 7%?

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...
by Johm221122
Mon Mar 29, 2021 10:31 am
Forum: Personal Investments
Topic: Fund allocation for $1.5M in 401k Retiring in 5 years?
Replies: 18
Views: 2103

Re: Fund allocation for $1.5M in 401k Retiring in 5 years?

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...
by Johm221122
Mon Mar 29, 2021 8:57 am
Forum: Personal Investments
Topic: Fund allocation for $1.5M in 401k Retiring in 5 years?
Replies: 18
Views: 2103

Re: Fund allocation for $1.5M in 401k Retiring in 5 years?

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...
by Johm221122
Sun Mar 28, 2021 6:53 pm
Forum: Personal Investments
Topic: The safest way to 7%?
Replies: 88
Views: 8352

Re: The safest way to 7%?

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...
by Johm221122
Sun Mar 28, 2021 6:46 pm
Forum: Personal Investments
Topic: The safest way to 7%?
Replies: 88
Views: 8352

Re: The safest way to 7%?

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...
by Johm221122
Sat Mar 27, 2021 9:21 pm
Forum: Personal Investments
Topic: High Yield Bond Funds VWESX vs. VWEHX ?
Replies: 15
Views: 1224

Re: High Yield Bond Funds VWESX vs. VWEHX ?

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...
by Johm221122
Sat Mar 27, 2021 6:22 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 v Total Stock - What is your favorite and why?
Replies: 104
Views: 8911

Re: S&P 500 v Total Stock - What is your favorite and why?

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
by Johm221122
Wed Mar 24, 2021 8:34 pm
Forum: Investing - Theory, News & General
Topic: Goal & Age Based Asset Allocation
Replies: 41
Views: 1954

Re: Goal & Age Based Asset Allocation

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
by Johm221122
Mon Mar 22, 2021 10:43 am
Forum: Personal Investments
Topic: Bonds in retirement
Replies: 16
Views: 1300

Re: Bonds in retirement

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...
by Johm221122
Sun Mar 21, 2021 10:16 pm
Forum: Investing - Theory, News & General
Topic: BRK B shares, good for taxable account after taking an RMD and not needing the money for expenses?
Replies: 16
Views: 1814

Re: BRK B shares, good for taxable account after taking an RMD and not needing the money for expenses?

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
by Johm221122
Sun Mar 21, 2021 8:25 am
Forum: Investing - Theory, News & General
Topic: Why can't we have another 20 years of bull market?
Replies: 224
Views: 17975

Re: Why can't we have another 20 years of bull market?

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 ...
by Johm221122
Sun Mar 21, 2021 8:02 am
Forum: Investing - Theory, News & General
Topic: A one fund portfolio ?
Replies: 12
Views: 1759

Re: A one fund portfolio ?

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 ...
by Johm221122
Sat Mar 20, 2021 8:08 pm
Forum: Investing - Theory, News & General
Topic: Why can't we have another 20 years of bull market?
Replies: 224
Views: 17975

Re: Why can't we have another 20 years of bull market?

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
by Johm221122
Tue Mar 16, 2021 7:42 pm
Forum: Personal Investments
Topic: Bond funds
Replies: 9
Views: 864

Re: Bond funds

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...
by Johm221122
Sun Mar 14, 2021 10:43 pm
Forum: Investing - Theory, News & General
Topic: Bond Fund
Replies: 16
Views: 1381

Re: Bond Fund

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...
by Johm221122
Sun Mar 14, 2021 7:38 pm
Forum: Investing - Theory, News & General
Topic: How to invest new large sum in current frothy market
Replies: 51
Views: 5025

Re: How to invest new large sum in current frothy market

You should lump sum
The only question is should you be less aggressive. Investing shouldn't have you worried
by Johm221122
Sun Mar 14, 2021 10:50 am
Forum: Personal Investments
Topic: Retirement funds
Replies: 9
Views: 839

Re: Retirement funds

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...