Search found 1810 matches

by zaboomafoozarg
Sat Oct 21, 2017 8:52 am
Forum: Investing - Theory, News & General
Topic: Why do I need bonds? (I'm 30)
Replies: 52
Views: 3216

Re: Why do I need bonds? (I'm 30)

As long as you won't sell and will keep buying if your portfolio value drops by 55% (like in 2008-2009) or 80% (like in 1929-1932), then 100% stocks is almost certainly the best return long term strategy during the early- to mid-accumulation phase. However, if you've never seen any Bogleheads thread...
by zaboomafoozarg
Tue Oct 17, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 6881

Re: How many miles/years do you keep your car?

I drive Hondas to about 300k miles.
by zaboomafoozarg
Sat Oct 14, 2017 7:46 pm
Forum: Investing - Theory, News & General
Topic: My Favorite Alternative Funds
Replies: 175
Views: 18509

Re: My Favorite Alternative Funds

The main appeal of VRRIX Did you mean SRRIX, the Stone Ridge reinsurance fund? Having worked in insurance and seeing the behavior of reinsurance, I wouldn't consider it bond-like. It was pretty consistently profitable but occasionally had a bad year that was more than the scale of loss you'd see fr...
by zaboomafoozarg
Sun Oct 08, 2017 9:33 pm
Forum: Investing - Theory, News & General
Topic: Bogle himself is saying we will expect like 3% for the next decades
Replies: 141
Views: 15517

Re: Bogle himself is saying we will expect like 3% for the next decades

Yeah, projections like this are really making me start thinking about getting into some real estate, or working even more to grow my side business, or moving more money to bonds, or *something*. The future just looks so bad with valuations and interest rates where they're at, and I think that shovin...
by zaboomafoozarg
Thu Oct 05, 2017 12:16 am
Forum: Investing - Help with Personal Investments
Topic: Pension Now (Age 36) or Later (Age 65)?
Replies: 45
Views: 3374

Re: Pension Now (Age 36) or Later (Age 65)?

How much would your pension pay per year if you didn't do the buyout or lump sum, and instead just received the normal pension payments starting at age 65? Most pension buyouts I've seen have been a better deal for the company than the recipient. If I take it today the payments are $80/month or 960...
by zaboomafoozarg
Wed Oct 04, 2017 10:32 am
Forum: Investing - Theory, News & General
Topic: $10 million+ - Still Working and LBYM
Replies: 162
Views: 16292

Re: $10 million+ - Still Working and LBYM

The problem with MFs? INCOME. A average 1.5-2% dividend among S&P stocks in a joke. MFs are the 'work for 25-50 years' plan. Nothing wrong with that but that's what it is. Stocks don't pay you any income. And the paltry dividend they pay you, it's either taxed heavily or locked in a retirement acco...
by zaboomafoozarg
Wed Oct 04, 2017 8:24 am
Forum: Investing - Theory, News & General
Topic: Guy proves that Buy The Dip strategy works (via backtests) any rebuttals?
Replies: 65
Views: 6470

Re: Guy proves that Buy The Dip strategy works (via backtests) any rebuttals?

Hypthothesis 2: You can withdraw 1% from S&P500 portfolio for 30 years and never run out of money. Can not be proven false by backtesting. But it can not be proven to be true. No No No! You are a heretic. The 4% rule is holy writ, a law of nature that can't under any circumstances be questioned or ...
by zaboomafoozarg
Wed Oct 04, 2017 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Pension Now (Age 36) or Later (Age 65)?
Replies: 45
Views: 3374

Re: Pension Now (Age 36) or Later (Age 65)?

How much would your pension pay per year if you didn't do the buyout or lump sum, and instead just received the normal pension payments starting at age 65?

Most pension buyouts I've seen have been a better deal for the company than the recipient.
by zaboomafoozarg
Wed Oct 04, 2017 12:35 am
Forum: Investing - Theory, News & General
Topic: business owner, what is your income from business and how did you get into successfully business, what's your networth?
Replies: 17
Views: 2332

Re: business owner, what is your income from business and how did you get into successfully business, what's your networ

Are you trolling? Used car business? Really? My uncle actually does that, he's a used car dealer part-time in a partnership with another guy. Seems to enjoy it since he likes cars, but it does eat up most of his weekends. From what I've gathered he thinks it's worth the time and effort, but it hasn...
by zaboomafoozarg
Sun Sep 24, 2017 9:11 pm
Forum: Investing - Theory, News & General
Topic: Research Affiliated Model Portfolios: ZERO % US stocks
Replies: 46
Views: 4675

Re: Research Associates Model Portfolios: ZERO % US stocks

Is anyone in this forum moving away/cutting down US stocks given its very high PE10? I've gradually transitioned my US/Int'l allocation from 75/25 to 60/40 over the past few years as US PE ratios have climbed. 60/40 is about as far as I'm willing to take it. But I'd have about $20k more net worth i...
by zaboomafoozarg
Mon Sep 18, 2017 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 29042

Re: Wow, Vanguard Flagship service is bad. Really bad. Still bad!

Without getting into minute detail, I had asked to have some details added to a confirmation statement... Please do get into the minute detail about how you wanted your confirmation statement customized. LOL, I don't think Vanguard would customize the confirmation statement for John Bogle himself.
by zaboomafoozarg
Sun Sep 17, 2017 12:00 pm
Forum: Investing - Theory, News & General
Topic: Article--The reason Jack Bogle doesn’t fly first class says everything about his investing legacy
Replies: 51
Views: 4147

Re: Article--The reason Jack Bogle doesn’t fly first class says everything about his investing legacy

Unless you are really tall over 6'5 or big over 200 pounds, just doesn't make sense to pay the extra expense or points for first class. I am big and tall enough that coach seats are painful after a few hours, but premium economy provides enough room that I don't have to splurge on business class. I...
by zaboomafoozarg
Sun Sep 17, 2017 8:44 am
Forum: Investing - Theory, News & General
Topic: 401k's are for sheeple! According to some guy.
Replies: 19
Views: 2457

Re: 401k's are for sheeple! According to some guy.

Ah yeah, I know a couple of Grant Cardone followers. They're both putting all available money into real estate, and have told me that investing in stocks and bonds is for "poor people". Whatever, I'll still be financially independent by 45, and I won't have to deal with tenants or repairs.
by zaboomafoozarg
Sun Sep 03, 2017 9:39 am
Forum: Investing - Theory, News & General
Topic: Michael Kitces 4% rule podcast on Madfientist
Replies: 355
Views: 36246

Re: Michael Kitces 4% rule podcast on Madfientist

I'd be confident in a 4% SWR if the PE10 at retirement time was less than 15.

But above 25? No way. I'll be shooting for a 2.5% or 3% SWR, separate from pension and SS.
by zaboomafoozarg
Sun Aug 27, 2017 9:05 pm
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 238
Views: 27129

Re: What is Bitcoin?

I'm hearing multiple people (not here, but from other financial sites and some real-life friends) tell me that investing in bitcoin is a surefire path to riches, and if I don't buy in then I'll be left behind as normal money becomes worthless. There's no doubt that it has made many people rich, incl...
by zaboomafoozarg
Sun Aug 27, 2017 10:15 am
Forum: Investing - Theory, News & General
Topic: factor based investing
Replies: 43
Views: 2878

Re: factor based investing

"A source of great consternation on bogleheads.org"
by zaboomafoozarg
Sat Aug 19, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 74
Views: 7591

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

I bought $5,000 in I bonds at the end of 2011. It is now worth $5,450.00. If I had spent that $5,000 on BND (Total Bond Market) instead, it would be worth $5,708.55. If I had spent that $5,000 on VTI (Total US Stock Market) instead, it would be worth $10,765.11. And If I had spent that $5,000 on bit...
by zaboomafoozarg
Wed Aug 16, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 6013

Re: Plan for making child pay for part of college

I was given the ultimatum: get scholarships for college or you'll pay for it yourself.

So I studied for the ACT 20-30 hours a week during the summer, aced it and got a full tuition scholarship at a state school, close enough that I could live at home so I didn't have to pay for room and board.
by zaboomafoozarg
Tue Aug 15, 2017 9:46 pm
Forum: Investing - Theory, News & General
Topic: what was the actual return of BND last year?
Replies: 20
Views: 2343

Re: what was the actual return of BND last year?

It shows that BND in the face of news of rising rates, which we have known for a couple of years now, still beats being parked in a MMF. Not by a lot. And it depends on the price of BND at the time you're going to sell as well. From 8/16 to 8/17, BND had a share price dip in the middle but has clim...
by zaboomafoozarg
Tue Aug 15, 2017 7:27 pm
Forum: Investing - Theory, News & General
Topic: what was the actual return of BND last year?
Replies: 20
Views: 2343

Re: what was the actual return of BND last year?

Open to critics on this. I would like to think I could do better with the bond fund, but any fund carries duration risk. The MMF does not. If you are making purchases regularly (say bimonthly or monthly), then the fluctuation in prices can make for better buying opportunities and possibly better re...
by zaboomafoozarg
Tue Aug 15, 2017 5:55 pm
Forum: Investing - Theory, News & General
Topic: what was the actual return of BND last year?
Replies: 20
Views: 2343

Re: what was the actual return of BND last year?

BND return was 2.57% for 2016 per Morningstar's data.
by zaboomafoozarg
Tue Aug 15, 2017 12:15 pm
Forum: Investing - Theory, News & General
Topic: What a Low Return Outlook Means for Your Retirement?
Replies: 42
Views: 5383

Re: What a Low Return Outlook Means for Your Retirement?

So based on the last chart in that article, I should be planning for a 2% safe withdrawal rate instead of a 3%. :shock:

Awesome :oops:

Still, I think I could get there by 55 if I continue to save 50-60% of income and do work on the side.
by zaboomafoozarg
Sun Aug 13, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: One more year [to retire]
Replies: 23
Views: 2731

Re: One more year

I find that as I get older, the variety of things I can do other than work (mostly athletic) seems to be declining. I'm very curious what people intend to do in retirement. When I was 20 I thought retirement would be awesome. Now I'm wary of it. I'm trying to get to retirement by age 45 so I can st...
by zaboomafoozarg
Sat Aug 05, 2017 10:18 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 11572

Re: Your "at peace" moments.

Watching ASMR videos on YouTube is super relaxing for me. It's inexplicable, but it works.
by zaboomafoozarg
Sat Jul 29, 2017 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Good Service for Flagship Investors
Replies: 35
Views: 4491

Re: Good Service for Flagship Investors

If someone can provide me with a small loan of several hundred thousand dollars, I too will post my Flagship experience in this thread. :D
by zaboomafoozarg
Fri Jul 28, 2017 3:45 pm
Forum: Investing - Theory, News & General
Topic: Retirement plan for newborns
Replies: 15
Views: 1301

Re: Retirement plan for newborns

My dad spent $10k on EE bonds for my nephew when he was born. They more than doubled by the time he went to college. Paid for a great portion of his college ed. I think my nwphew had around 40k from grandparents. Same thing for the few hundred $ of EE bonds that my great grandma bought for me when ...
by zaboomafoozarg
Sun Jul 23, 2017 10:00 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: REITs Aren't Special
Replies: 106
Views: 9031

Re: Larry Swedroe: REITs Aren't Special

With Research Affiliates assumptions, the 10 year real expected return for US largecap is 0.5% per year, US REITS 1.9% per year. https://interactive.researchaffiliates.com/asset-allocation/#!/?currency=USD Looking some more at that site - expected returns for the next 10 years look bad for EVERYTHI...
by zaboomafoozarg
Sun Jul 23, 2017 2:20 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: REITs Aren't Special
Replies: 106
Views: 9031

Re: Larry Swedroe: REITs Aren't Special

At current PE's though, the entire US market ER isn't much higher than that, is it? Anyone? With Research Affiliates assumptions, the 10 year real expected return for US largecap is 0.5% per year, US REITS 1.9% per year. https://interactive.researchaffiliates.com/asset-allocation/#!/?currency=USD W...
by zaboomafoozarg
Sun Jul 23, 2017 1:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 159
Views: 21371

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

...instead of waiting until Vanguard does it automatically. They can't do it automatically. You can't just open brokerage accounts for people w/o their consent. But IIRC they don't give you an option of not converting. I did it manually ASAP but my parents waited until Vanguard was effectively forc...
by zaboomafoozarg
Sun Jul 23, 2017 12:36 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 159
Views: 21371

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

letsgobobby wrote:How should we "deal with it on OUR terms?" What does that mean?
Probably to initiate the account conversion yourself, instead of waiting until Vanguard does it automatically.
by zaboomafoozarg
Sat Jul 22, 2017 10:40 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: REITs Aren't Special
Replies: 106
Views: 9031

Re: Larry Swedroe: REITs Aren't Special

nedsaid wrote:The projected real return above inflation of 0.30% is one reason I stopped adding to my REIT position. Indeed, I cut back my REIT stake by 20%. Larry's work did influence me.
At current PE's though, the entire US market ER isn't much higher than that, is it?
by zaboomafoozarg
Sat Jul 22, 2017 10:12 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: REITs Aren't Special
Replies: 106
Views: 9031

Re: Larry Swedroe: REITs Aren't Special

I wonder if this observation is also true of the TIAA Real Estate fund.

I'd love to be able to get an IRA there to invest in that fund, but alas, neither I nor any of my family members have the required work experience in order for me to qualify.
by zaboomafoozarg
Sat Jul 22, 2017 10:02 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Drives Municipal Bond Yields
Replies: 42
Views: 3589

Re: Larry Swedroe: What Drives Municipal Bond Yields

Zaboomafoozarg, I agree. Need at list one asset class that is the same (or largely the same) in both taxable and tax advantaged accounts to maintain the desired AA. I think there's frequently a point where individuals have to accept something less than perfect asset location for the sake of the ass...
by zaboomafoozarg
Sat Jul 22, 2017 8:54 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Drives Municipal Bond Yields
Replies: 42
Views: 3589

Re: Larry Swedroe: What Drives Municipal Bond Yields

I recently reached a point where I wasn't concerned about free lunch or not - my taxable account had nothing but stock funds in it and was finally worth enough that I felt some balance was necessary there. So lately I've been buying Vanguard's intermediate-term tax-exempt bond fund in my taxable acc...
by zaboomafoozarg
Fri Jul 21, 2017 3:58 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: REITs Aren't Special
Replies: 106
Views: 9031

Re: Larry Swedroe: REITs Aren't Special

nedsaid wrote:The problem I am beginning to have with all of this is that academic research is starting to look faddish.
Agreed. More and more I can see the appeal of just buying total market and being done with it. But I have my tilts and I'm sticking to 'em.
by zaboomafoozarg
Fri Jul 21, 2017 11:39 am
Forum: Investing - Theory, News & General
Topic: Cryptocurrencies
Replies: 45
Views: 3615

Re: Cryptocurrencies

A classmate of mine put everything of his into bitcoin in 2011, thinking that the US economy was going to collapse.

It didn't collapse, but also he is now a early-retired multi-millionaire at the age of about 30.
by zaboomafoozarg
Thu Jul 20, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Are my parents a good fit for Vanguard Advisory Services?
Replies: 11
Views: 1395

Re: Are my parents a good fit for Vanguard Advisory Services?

A Vanguard IRA with a single target date fund holding might also be an option to consider.

My parents also didn't want to worry about individual funds, so they rolled over to Vanguard and invested everything in Target Date 2025.
by zaboomafoozarg
Thu Jul 20, 2017 3:43 pm
Forum: Investing - Theory, News & General
Topic: Bogle is pro-SCV!
Replies: 36
Views: 4287

Re: Bogle is pro-SCV!

amd7239 wrote:The SCV tilt debate is over!

http://paulmerriman.com/10-lessons-jack ... dex-funds/
Just like the US-international allocation debate is over because Bogle advocates US-only? :D
by zaboomafoozarg
Wed Jul 19, 2017 4:24 pm
Forum: Investing - Theory, News & General
Topic: The Death of Buy and Hold
Replies: 31
Views: 5790

Re: The Death of Buy and Hold

bligh wrote:OP, Did you, a client or a friend of yours write the book?
Definitely not the author, since he died 6 months ago :(
by zaboomafoozarg
Wed Jul 19, 2017 4:04 pm
Forum: Investing - Theory, News & General
Topic: The Death of Buy and Hold
Replies: 31
Views: 5790

Re: The Death of Buy and Hold

gwrvmd wrote:What does a 5 star book on Amazon mean?..........Gordon
It could either mean it's a really good book, or a bunch of people who are wrong think it's a really good book

or that somebody bought a lot of fake reviews.
by zaboomafoozarg
Sun Jul 16, 2017 8:07 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1186
Views: 177424

Re: QSPIX - thoughts on interesting fund

matjen wrote:I haven't sold any QSPIX but the market run up has moved me closer to 6% now. I'll stick with that and I have some of Stone Ridge's LENDX and will likely add some SRRIX. Perhaps 10-15% between the three.
I assume you have to have an advisor to buy SRRIX?
by zaboomafoozarg
Fri Jul 14, 2017 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Have you switched from Total International to Slice & Dice or vice versa?
Replies: 28
Views: 2224

Re: Have you switched from Total International to Slice & Dice or vice versa?

I do 70% total international (VXUS), 20% small cap international (VSS), and 10% international REITs (VNQI). I'm doing almost the same, except my target percentages are 50/40/10. I did more of a SC tilt after being convinced that a smaller SC slice wouldn't make much of a difference, so I went just ...
by zaboomafoozarg
Wed Jul 12, 2017 3:55 pm
Forum: Investing - Theory, News & General
Topic: My Favorite Alternative Funds
Replies: 175
Views: 18509

Re: My Favorite Alternative Funds

Final point, maybe I'm a little overly influenced on these funds by one expert former poster? Maybe. If I can understand the concepts of these funds and he tells me he's done due diligence I don't need to backtest for example SRRIX in 2008 or maybe try to find the last 150 years of reinsurance retu...
by zaboomafoozarg
Tue Jul 11, 2017 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Have you switched from Total International to Slice & Dice or vice versa?
Replies: 28
Views: 2224

Re: Have you switched from Total International to Slice & Dice or vice versa?

I do 70% total international (VTI), 20% small cap international (VSS), and 10% international REITs (VNQI).
by zaboomafoozarg
Sat Jul 08, 2017 9:58 am
Forum: Investing - Theory, News & General
Topic: My Favorite Alternative Funds
Replies: 175
Views: 18509

Re: My Favorite Alternative Funds

What will be interesting is to see how such funds will behave in an actual crisis. In theory, they will do what they are designed to do. The funds that use leverage and shorting are vulnerable to unexpected market moves, one would hope that the managers know what they are doing. Leverage and shorti...
by zaboomafoozarg
Fri Jul 07, 2017 2:33 pm
Forum: Investing - Theory, News & General
Topic: My Favorite Alternative Funds
Replies: 175
Views: 18509

Re: My Favorite Alternative Funds

I'm not sure which advisors allow access to Stone Ridge funds, but I assume they would require more money than I have in order to work with them.
by zaboomafoozarg
Thu Jul 06, 2017 11:47 pm
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 16778

Re: Dividend Misunderstandings & Only Spend Return

Not sure why there's any confusion at this point, Larry wrote about it many times.
by zaboomafoozarg
Wed Jul 05, 2017 8:54 pm
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 225
Views: 34626

Re: What's the ideal safe retirement net worth target?

HomerJ wrote:
zaboomafoozarg wrote:One decade of returns like that would leave me set for life, let alone 2 decades! But I don't think I will see any decades like that in the next 60-70 years.
We've seen 7 years of returns like that just now. 2010-2017 - around 12% annual real returns
That's true. Maybe it'll continue!
by zaboomafoozarg
Tue Jul 04, 2017 10:23 pm
Forum: Investing - Theory, News & General
Topic: 100% stocks no debt?
Replies: 56
Views: 4789

Re: 100% stocks no debt?

pepperz wrote:Let's say you're relatively young (35)
I'm not even 35 yet and I feel as old as dirt!

Maybe that's why I've got 20% in bonds.
by zaboomafoozarg
Tue Jul 04, 2017 12:03 pm
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 225
Views: 34626

Re: What's the ideal safe retirement net worth target?

1980s 11.3% annual real return with dividends reinvested before any expenses or taxes. 1990s 14.1% annual real return with dividends reinvested before any expenses or taxes. One decade of returns like that would leave me set for life, let alone 2 decades! But I don't think I will see any decades li...