Search found 1982 matches

by zaboomafoozarg
Fri Jun 07, 2019 9:29 pm
Forum: Investing - Theory, News & General
Topic: 2% withdrawal rate
Replies: 182
Views: 12721

Re: 2% withdrawal rate

1.25%?!?!? You must be a high income earner who spends close to the poverty level. :shock: Income is probably not good by Bogleheads standards, but it is good for the Midwest US. And I spend weekends working on a side hustle that's recently started to pay off. Spending is not poverty level, but als...
by zaboomafoozarg
Tue Jun 04, 2019 9:03 pm
Forum: Investing - Theory, News & General
Topic: 2% withdrawal rate
Replies: 182
Views: 12721

Re: 2% withdrawal rate

2% is a perfectly fine withdrawal rate if one has the money to do it, and would rather be safe than spend all their money. I've always wanted to retire early but am going to force myself to work until 55. At that point I expect to have a 1.25% SWR. I don't need much, my nieces and nephews will get a...
by zaboomafoozarg
Tue Jun 04, 2019 8:16 pm
Forum: Investing - Theory, News & General
Topic: Why put money in a Tax deferred 401k if Taxes will be higher in the future?
Replies: 25
Views: 2128

Re: Why put money in a Tax deferred 401k if Taxes will be higher in the future?

This post could've also been:

"Why not put money in a Tax deferred 401k if Taxes will be lower in the future?"

Who knows what direction they are going to go? And how can a person take action on something they don't know will happen?

This is why I split traditional and Roth 50/50.
by zaboomafoozarg
Sun Jun 02, 2019 4:35 pm
Forum: Investing - Theory, News & General
Topic: Best free tools to evaluate current portfolio balance?
Replies: 9
Views: 636

Re: Best free tools to evaluate current portfolio balance?

Morningstar x-ray portfolio This has always been my go-to. A little annoying to fill in manually, but I only do it once or twice a year. I've also used the Personal Capital site, it's got a pretty good allocation analyzer and retirement finances planner. Just be warned that if you sign up, they wil...
by zaboomafoozarg
Fri May 10, 2019 12:15 pm
Forum: Investing - Theory, News & General
Topic: Any conservative young investors?
Replies: 68
Views: 6382

Re: Any conservative young investors?

I started at 75/25 right out of college, and I'm still about 75/25 now. I might just stay here forever.
by zaboomafoozarg
Sat Apr 20, 2019 8:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard kicking butt with Target Date Funds
Replies: 22
Views: 5294

Re: Vanguard kicking butt with Target Date Funds

I just switched the vast majority of my 401k to one, after getting tired of trying to slice and dice my way to a three-fund equivalent. I'll be honest, I've gotten pretty tired of slicing and dicing too. It's getting harder to find places to fit certain assets, and I don't think I really have the s...
by zaboomafoozarg
Fri Apr 12, 2019 10:11 pm
Forum: Investing - Theory, News & General
Topic: Thrift Savings Plan expenses rising
Replies: 50
Views: 4254

Re: Thrift Savings Plan expenses rising

One basis point is significant? It's a 28% rise in costs!!! :o Instead of the fees taking .956% total over 30 years, they'd now take 1.193%. Probably not a huge deal. I know sarcasm never fully translates in type, so to just be clear, I was joking and having fun with it. For all intents and purpose...
by zaboomafoozarg
Fri Apr 12, 2019 9:56 am
Forum: Investing - Theory, News & General
Topic: Thrift Savings Plan expenses rising
Replies: 50
Views: 4254

Re: Thrift Savings Plan expenses rising

azanon wrote:
Fri Apr 12, 2019 9:21 am
cheezit wrote:
Fri Apr 12, 2019 8:32 am
One basis point is significant?
It's a 28% rise in costs!!! :o
Instead of the fees taking .956% total over 30 years, they'd now take 1.193%.

Probably not a huge deal.
by zaboomafoozarg
Tue Apr 09, 2019 9:47 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 335
Views: 58079

Re: Selling all equities, discuss why I'm wrong. :)

HEDGEFUNDIE wrote:
Tue Apr 09, 2019 9:46 pm
zaboomafoozarg wrote:
Tue Apr 09, 2019 9:45 pm
Calais wrote:
Tue Apr 09, 2019 1:12 pm
Also been on this forum less as this is not the place to discuss these 'investment' options
Market timing, leverage and other such strategies have been in vogue on this forum in the past few months.
You’re welcome.
I didn't say I was gonna start 3x leveraging my portfolio :D
by zaboomafoozarg
Tue Apr 09, 2019 9:45 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 335
Views: 58079

Re: Selling all equities, discuss why I'm wrong. :)

Calais wrote:
Tue Apr 09, 2019 1:12 pm
Also been on this forum less as this is not the place to discuss these 'investment' options
Market timing, leverage and other such strategies have been in vogue on this forum in the past few months.
by zaboomafoozarg
Sun Apr 07, 2019 8:41 am
Forum: Investing - Theory, News & General
Topic: Valuation Informed Indexing
Replies: 37
Views: 2131

Re: Valuation Informed Indexing

We’re not exceptional investors. I suspect that there are lots of people who pay attention to relative asset class valuations and make periodic adjustments to their portfolios. I'll admit that valuation is partially what moved me from 66/33 US/international to 60/40 over the past few years. It wasn...
by zaboomafoozarg
Sat Apr 06, 2019 1:45 pm
Forum: Investing - Theory, News & General
Topic: 50%VPMAX+50%VBTLX > VWELX????? Why?
Replies: 8
Views: 650

Re: 50%VPMAX+50%VBTLX > VWELX????? Why?

No actually it is generally assumed they won't See this looong thread started by a heavy hitter here. https://www.bogleheads.org/forum/viewtopic.php?t=193665 I can maybe see that for non-Vanguard funds, but funds like VWELX and VBTLX have shown up in threads every day for well over a decade. Like I...
by zaboomafoozarg
Sat Apr 06, 2019 1:38 pm
Forum: Investing - Theory, News & General
Topic: 50%VPMAX+50%VBTLX > VWELX????? Why?
Replies: 8
Views: 650

Re: 50%VPMAX+50%VBTLX > VWELX????? Why?

UpperNwGuy wrote:
Sat Apr 06, 2019 11:49 am
What is VBTLX?
What is WWELX?
What is VPMAX?
VBTLX = total US bond
VWELX = Wellington
VPMAX = Primecap

It is generally assumed that people who post here will know what these symbols are, or know how to Google them.
by zaboomafoozarg
Sat Apr 06, 2019 8:36 am
Forum: Investing - Theory, News & General
Topic: Valuation Informed Indexing
Replies: 37
Views: 2131

Re: Valuation Informed Indexing

The guy behind passionsaving.com is notable only for his constant trolling of the Bogleheads board at Morningstar, leading to the creation of this properly moderated board. Shoot, I forgot all about hocus. The guy's posts are long and strange and often incoherent. And he takes disagreement very per...
by zaboomafoozarg
Sun Mar 31, 2019 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Should i switch to new job?
Replies: 4
Views: 365

Re: Should i switch to new job?

Long and Grueling days working 80 to 100 hours per week including weekends for 40 to 44 weeks per year.
I'm pretty sure I would take a pay cut, let alone a pay raise, to get out of a situation like that.
by zaboomafoozarg
Sun Mar 24, 2019 12:10 pm
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 785
Views: 77583

Re: That's enough for me in 2019

DanMahowny wrote:
Sun Mar 24, 2019 12:03 pm
TIPS will outperform stocks over the next 10 years.
We shall see... I've got the 2029-03-24 Google Calendar entry set up to check on this prediction :D
by zaboomafoozarg
Sun Mar 24, 2019 8:45 am
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 785
Views: 77583

Re: That's enough for me in 2019

2% real is reasonable, but not "conservative" in my view. I used 0%, and also stayed bonds=age. It means you have to save more. I don't think 0% real is realistic. No equity premium at all, for potentially 5 decades? Might as well buy all I Bonds or TIPS at that point, or just do real estate or som...
by zaboomafoozarg
Sun Mar 24, 2019 8:32 am
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 785
Views: 77583

Re: That's enough for me in 2019

How it will end is easy -- with a lot of people not having the secure retirements they had dreamed of and saved for their entire lives. My chief concern if for people now in their 20s and 30s. Ever since my late 20's I've been planning for 2% real returns in stocks for the remainder of my lifetime,...
by zaboomafoozarg
Thu Mar 21, 2019 9:10 pm
Forum: Investing - Theory, News & General
Topic: The $4,026,858.95 Car or a Worry-Free Retirement?
Replies: 245
Views: 11841

Re: The $4,026,858.95 Car or a Worry-Free Retirement?

WhiteMaxima wrote:
Thu Mar 21, 2019 5:40 pm
Carless or worry-free retirement. Ride bike or bus.
I have considered ditching the car altogether, but my area's a little too spread out and the public transportation isn't good enough to get rid of it completely.
by zaboomafoozarg
Thu Mar 21, 2019 9:04 pm
Forum: Investing - Theory, News & General
Topic: The $4,026,858.95 Car or a Worry-Free Retirement?
Replies: 245
Views: 11841

Re: The $4,026,858.95 Car or a Worry-Free Retirement?

Maybe the only car behind a Corolla on my list of cars is the Camry. Buying any of them is a loss, not a gain. Paying tens of thousands for something I would had daily for tens of years sounds like the terrible choice in life. Not if all you care about is getting from point A to point B safely, che...
by zaboomafoozarg
Thu Mar 21, 2019 8:59 pm
Forum: Investing - Theory, News & General
Topic: The $4,026,858.95 Car or a Worry-Free Retirement?
Replies: 245
Views: 11841

Re: The $4,026,858.95 Car or a Worry-Free Retirement?

I agree that luxury car purchase is a big factor in reducing the retirement readiness of many Americans. Whether luxury or buying too much suv than needed it is quite the financial burden. Agreed. Many people I work with have a BMW, Mercedes, Tesla or some other $50k+ vehicle of that caliber. This ...
by zaboomafoozarg
Sat Mar 16, 2019 12:49 pm
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 785
Views: 77583

Re: That's enough for me in 2019

Market timing threads, so hot right now.
by zaboomafoozarg
Mon Feb 18, 2019 4:53 pm
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 682
Views: 41605

Re: My trend following strategy and experience

I'm seeing a lot of new posters in this thread and Hedgefundie's thread. Although these are interesting discussions for the veterans on Bogleheads, I do feel these threads are somewhat dangerous for new visitors. We need more disclaimers that one should really know what they are doing to move beyon...
by zaboomafoozarg
Fri Feb 08, 2019 12:02 am
Forum: Investing - Theory, News & General
Topic: If you are old, why bother with rebalancing!!?
Replies: 114
Views: 7949

Re: If you are old, why bother with rebalancing!!?

Habit, probably.

I certainly can't imagine livesoft not rebalancing every time the market swings by a couple percent...
by zaboomafoozarg
Sun Feb 03, 2019 9:30 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 3% is the new 4%
Replies: 517
Views: 36358

Re: Larry Swedroe: 3% is the new 4%

visualguy wrote:
Sun Feb 03, 2019 9:06 pm
Right, but if our investment strategy (Boglehead-style stock/bond indexing) isn't expected to sustain it in the future, then it's time to look for another strategy.
Or you can just lower your withdrawal rate. Not sure why that original study made 4% a magic number.
by zaboomafoozarg
Sun Feb 03, 2019 10:01 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 3% is the new 4%
Replies: 517
Views: 36358

Re: Larry Swedroe: 3% is the new 4%

Personally, I wouldn't consider retiring with a 4% withdrawal rate. But I am shooting for an early retirement age and 40-50 years of retirement if I'm lucky.

Currently debating between 2.5% and 3% withdrawal, but haven't decided. I've got maybe 10 more years to figure it out.
by zaboomafoozarg
Thu Jan 31, 2019 9:46 am
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 160
Views: 14888

Re: Misuse of adverse when averse was meant

ITT: people with way to much time on there hands
by zaboomafoozarg
Sun Jan 27, 2019 10:00 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 335
Views: 58079

Re: Selling all equities, discuss why I'm wrong. :)

stemikger wrote:
Mon Aug 27, 2018 8:15 am
Never have more than 75% in stocks and never have less than 25% in stocks.

Anything in between that range is perfectly acceptable. ~ Benjamin Graham
Agreed. I have been laughed at on multiple occasions when saying I follow Ben Graham's suggestion of a 75% stock maximum, but it works for me.
by zaboomafoozarg
Sun Jan 20, 2019 8:28 pm
Forum: Personal Investments
Topic: Stay the course is hard
Replies: 74
Views: 8007

Re: Stay the course is hard

I don't believe the OP did stay the course. If they were staying the course, then they would most certainly have rebalanced in December by selling bonds and buying equities. Depends on what their rebalancing criteria is. Not everyone's is as "fine-tuned" and highly touted as yours. Perhaps theirs i...
by zaboomafoozarg
Wed Jan 16, 2019 6:45 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 51505

Re: John Bogle is dead at 89

RIP Jack :(

The index funds he created, the books he wrote, his advocacy for the individual investor and this forum had such a positive effect on my financial knowledge and situation.
by zaboomafoozarg
Tue Jan 08, 2019 8:33 pm
Forum: Investing - Theory, News & General
Topic: Fell in Love with Fidelity
Replies: 103
Views: 12851

Re: Fell in Love with Fidelity

zaboomafoozarg, If you could rebalance in your non-taxable account, why would you keep a bond fund in your taxable account and pay more taxes? KlangFool Mainly because I didn't want to fill up a lot of my 401k and IRA with bonds, because I need some room in those for my various slice & dice holding...
by zaboomafoozarg
Tue Jan 08, 2019 8:06 pm
Forum: Investing - Theory, News & General
Topic: Fell in Love with Fidelity
Replies: 103
Views: 12851

Re: Fell in Love with Fidelity

What do you do when the stock market drops 50%? You have to rebalance now. It cannot be done with new money and earned dividends. KlangFool One can rebalance in their non-taxable accounts, since it's all just one portfolio. Like OP I hold 3 funds in my taxable account, and rebalance using my IRA or...
by zaboomafoozarg
Sat Dec 29, 2018 1:00 pm
Forum: Investing - Theory, News & General
Topic: Keep Calm and Boglehead On!
Replies: 36
Views: 5636

Re: Keep Calm and Boglehead On!

Where can I find these magical employer pensions you speak of? They seem to have gone extinct outside the public sector before I entered the labor force. What is the likelihood of a pension paying out if the stock market drops 50% for 10 years? I’d think that underfunded pensions would become a big...
by zaboomafoozarg
Mon Dec 24, 2018 1:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11008
Views: 1918133

Re: U.S. stocks in free fall

scimitar wrote:
Mon Dec 24, 2018 1:21 pm
J G Bankerton wrote:
Mon Dec 24, 2018 1:04 pm
VTI $120; the falling knife cut right through it. This could be a history making named panic.
I for one am just waiting for the financial pundits to start writing breathless headlines about the "Christmas Crash" :oops:
Ooh that's catchy
by zaboomafoozarg
Mon Dec 24, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: Missing 12/21/2018 Bond Dividends Delayed
Replies: 43
Views: 4737

Vanguard: some bond fund dividends delayed a day "because of a technical error"

[merged into existing thread - moderator prudent] Just received an email from Vanguard: Because of a technical error, the dividends for one or more of your bond funds will now process on December 26. You do not need to take any action. If you elected to reinvest dividends, your account will reflect...
by zaboomafoozarg
Sun Dec 16, 2018 9:06 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1613
Views: 234067

Re: QSPIX - thoughts on interesting fund

This thread is why I think there should be a "Slice & Dice Subforum" on BH. It could even have some kind of warning in the description: "This is where Slice & Dice fans discuss their strategies, often making seemingly counter-intuitive investments in esoteric investment instruments to attempt to pus...
by zaboomafoozarg
Fri Dec 14, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11008
Views: 1918133

Re: U.S. stocks in free fall

Houe wrote:
Fri Dec 14, 2018 2:29 pm
Is there blood in the streets?
Just a nosebleed at this point.
by zaboomafoozarg
Sun Dec 02, 2018 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5401

Re: Do you get a year end bonus?

Usually 10-20% of salary. My company used to give 50% bonuses before I started, but the shareholders didn't like it.
by zaboomafoozarg
Sun Dec 02, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 145
Views: 15111

Re: Retirement itch- when did you get it?

When I was 27. Work had been causing me a ton of stress and painful headaches for months. I finally decided I wanted out ASAP, and needed to figure out how to do that. I started googling for retirement, and that was what led me here. I'm still working and things have gotten a little better but I sti...
by zaboomafoozarg
Mon Nov 26, 2018 10:39 pm
Forum: Investing - Theory, News & General
Topic: Fidelity’s zero-fee campaign spurs $6.6bn of inflows Boston manager outsells Vanguard by more than 40% in October after
Replies: 58
Views: 5552

Re: Fidelity’s zero-fee campaign spurs $6.6bn of inflows Boston manager outsells Vanguard by more than 40% in October a

mptfan wrote:
Mon Nov 26, 2018 4:46 pm
UpperNwGuy wrote:
Mon Nov 26, 2018 4:48 pm
Some competition was put into the industry in 1974 when John Bogle founded Vanguard.
Yes, but that was long, long ago....
And Vanguard's probably still using the same computers to process transactions that they did back then!
by zaboomafoozarg
Sat Nov 24, 2018 11:57 pm
Forum: Investing - Theory, News & General
Topic: VG site: I wish it were easier to see all conversions
Replies: 9
Views: 947

Re: VG site: I wish it were easier to see all conversions

I've found it's easiest for me just to enter all these transactions into a spreadsheet when I do them. It beats logging into Vangaurd/Fidelity/Schwab's site and finding where the transaction history's been moved to this month.
by zaboomafoozarg
Sat Nov 24, 2018 10:14 pm
Forum: Investing - Theory, News & General
Topic: You’re Not As Rich As You Think You Are, And That’s Okay
Replies: 20
Views: 6159

Re: You’re Not As Rich As You Think You Are, And That’s Okay

The more I save, the more I realize how little I have.

I felt much better about money when I had almost none.
by zaboomafoozarg
Mon Nov 19, 2018 5:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 227
Views: 20445

Re: Vanguard lowering Admiral level to $3,000?

I just wish they would've lowered VWIUX (int. term tax-exempt Admiral) from $50k.
by zaboomafoozarg
Wed Nov 14, 2018 10:04 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1613
Views: 234067

Re: QSPIX - thoughts on interesting fund

betablocker wrote:
Wed Nov 14, 2018 3:54 pm
Maybe there should be a separate forum for those interested in factor investing.
I too have suggested a separate subforum here for these types of discussion.
by zaboomafoozarg
Tue Nov 06, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 712
Views: 118997

Re: High Earners - What's Your Profession?

triceratop wrote:
Tue Nov 06, 2018 11:53 am
I'm sorry if I offended you by my playful reminder that we are all very well off here.
Some people take this brag thread very seriously, LOL
by zaboomafoozarg
Sat Nov 03, 2018 11:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 19065

Re: Vanguard website "unavailable during weekend of Nov 3"

Don't worry guys, it'll be OK. This kind of thing happens on the internet all the time.
by zaboomafoozarg
Sat Nov 03, 2018 10:07 pm
Forum: Investing - Theory, News & General
Topic: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]
Replies: 74
Views: 8886

Re: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]

But if I can save money, continue to build wealth AND have these things by maintaining a job, then no way I’m giving them up to sit at home or do whatever free activity the FIRE people brag that they do. Many people who retire early don't do so on a shoestring. I actually plan to spend quite a bit ...
by zaboomafoozarg
Sat Nov 03, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: What FIRE says to me [Financial Independence, Retire Early]
Replies: 10
Views: 1347

Re: What FIRE says to me

What do you think? That's cool that you liked your job so much, but I'm still planning on quitting my full time job around 45. I've never found a job that was more fulfilling than stressful. The kind of stuff I really want to do doesn't really translate into employment. It may involve me running a ...