Search found 1888 matches

by zaboomafoozarg
Fri Jun 15, 2018 3:00 pm
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 11062

Re: Which boglehead rule do you break--and are ok with

Unlike other Bogleheads, I don't have a $5,000 wristwatch. :D
by zaboomafoozarg
Sat Jun 09, 2018 11:24 pm
Forum: Investing - Theory, News & General
Topic: Multi-Asset vs. Simple Portfolio, 1970-2017
Replies: 37
Views: 3024

Re: Multi-Asset vs. Simple Portfolio, 1970-2017

No harm in adding small value as long as it’s a 25 year commitment. That's the reason I limited my tilt to 20% small value and 10% REITs. It satisfies my urge to slice and dice, but keeps me close enough to the total market to stick with it at least until retirement. I have to admit, All About Asse...
by zaboomafoozarg
Fri Jun 08, 2018 10:03 am
Forum: Investing - Theory, News & General
Topic: $1M Question
Replies: 38
Views: 4821

Re: $1M Question

aegis965 wrote:
Fri Jun 08, 2018 2:51 am
r/wallstreetbets
WSB? On my Bogleheads? It's more likely than you think!
by zaboomafoozarg
Fri Jun 08, 2018 5:53 am
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 111
Views: 8444

Re: Post Your Morningstar Box Style

aegis965 wrote:
Fri Jun 08, 2018 2:50 am
Seriously though, I intended it as satire but my portfolio consists solely of nano cap deep value stocks (P/B 0.41 MktCap 16.8M), so the image is not far from true.
Do you just buy individual securities to get a P/B and cap that low instead of using a fund or ETF?
by zaboomafoozarg
Tue Jun 05, 2018 6:31 pm
Forum: Investing - Theory, News & General
Topic: Don’t cheat yourself with the 4% rule
Replies: 159
Views: 17937

Re: Don’t cheat yourself with the 4% rule

Please show me the data the supports your 2.5% statement. It isn't based on historical data, it's based on being able to last for 40 years (the expected time I'll be in retirement, age 45 to 85) with 0% real return. Of course I might die at 50, or we might have positive real returns over the next 5...
by zaboomafoozarg
Mon Jun 04, 2018 5:51 pm
Forum: Investing - Theory, News & General
Topic: Don’t cheat yourself with the 4% rule
Replies: 159
Views: 17937

Re: Don’t cheat yourself with the 4% rule

4% rule is risky business, at least for someone looking to retire a little early.

I'm planning to use the 2.5% rule when I retire, with no SS or pension factored in.
by zaboomafoozarg
Mon Jun 04, 2018 5:47 pm
Forum: Investing - Theory, News & General
Topic: Jonathan Clements on demographics and investing
Replies: 8
Views: 2193

Re: Jonathan Clements on demographics and investing

Maybe increased automation will make up for the declining population, and we won't see as big of a decline in returns as I'm thinking.

But if not, the only possible ways I can think of to prepare for this are:

1. plan for lower returns
2. allocate more to markets that are still growing
by zaboomafoozarg
Fri Jun 01, 2018 12:45 pm
Forum: Investing - Theory, News & General
Topic: To be or not to be complex, that is the question
Replies: 146
Views: 11673

Re: To be or not to be complex, that is the question

I think I've read too much S&D stuff to ever go back to a 3-fund portfolio or a single target date fund.

But honestly, much of the time I wish I could. It'd be one less thing I'd have to worry about getting perfect instead of "good enough".
by zaboomafoozarg
Tue May 29, 2018 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: The Side Hustle
Replies: 65
Views: 8173

Re: The Side Hustle

I've worked on a side hustle for the past few years with limited success. A few hours per week gets me a little less than $10k per year.

Pretty paltry compared to most side hustles here, but it makes me feel less bad about spending money on vacations.
by zaboomafoozarg
Mon May 28, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 111
Views: 8444

Re: Post Your Morningstar Box Style

aegis965 wrote:
Tue Jan 23, 2018 1:51 am
Image
Lock up the thread, we got ourselves a winner!
by zaboomafoozarg
Sun May 20, 2018 6:39 pm
Forum: Investing - Theory, News & General
Topic: The Millionaire Next Door and civil servants
Replies: 99
Views: 14107

Re: The Millionaire Next Door and civil servants

Pensions don't usually get assigned a current value like 401ks. But a pension that pays an inflation-adjusted $35k per year in a 20 year retirement will have paid out over $1M.
by zaboomafoozarg
Fri May 18, 2018 12:46 am
Forum: Investing - Theory, News & General
Topic: Is Vanguard anti-competitive?
Replies: 29
Views: 3134

Re: Is Vanguard anti-competitive?

Is a municipal credit union anti-competitive?

Is a local cooperative anti-competitive?
by zaboomafoozarg
Thu May 17, 2018 5:24 pm
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 106
Views: 10468

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

Maybe I am naive but to me people seem to spend a lot of time and worry on edge cases on this forum. Seriously, for me it is hard to read it daily without becoming neurotic about money and savings. Definitely. My net worth is probably a lot higher than it would have been had I not discovered this f...
by zaboomafoozarg
Sat May 12, 2018 11:02 pm
Forum: Investing - Theory, News & General
Topic: Anything wrong with too many lots?
Replies: 47
Views: 4835

Re: Anything wrong with too many lots?

Given that brokerages track the lots for you now, probably not. I realized after some research that there is not much benefit to investing weekly vs investing annually - they tended to be no more than a few percent different over long periods of time from the data I looked at. So I just buy in taxab...
by zaboomafoozarg
Thu May 10, 2018 10:14 pm
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 21027

Re: Why International again?

This is the kind of language that drives me up the wall. So evasive. SHOULD ndnboy be comfortable with a 10 percent allocation, and why? There is no one-sized-fits-all asset allocation. Personally, given that US market cap is 50% and not 90%, I would be more comfortable somewhere in between those 2...
by zaboomafoozarg
Sat May 05, 2018 10:48 am
Forum: Investing - Theory, News & General
Topic: Don't leave your non-spouse heirs TIRAs with basis, unless you hate them!
Replies: 92
Views: 8726

Re: Don't leave your non-spouse heirs TIRAs with basis, unless you hate them!

MrPotatoHead wrote:
Thu May 03, 2018 11:44 pm
Uh, I do all my returns by hand, in paper and pencil. And I have to file income tax in multiple states. Really, it is no big deal. Ad my 4 children all < 25 do theirs by hand also.
Congratulations, I guess?
by zaboomafoozarg
Sun Apr 22, 2018 9:13 pm
Forum: Investing - Theory, News & General
Topic: Floating Net Worth w/ VT after 5 Years
Replies: 52
Views: 6809

Re: Floating Net Worth w/ VT after 5 Years

Sometimes I wish I could stop fretting over my slice & dice asset allocation and just do a simple one like 75% VT (all-world equity) + 25% VFIUX (US intermediate treasury bonds).
by zaboomafoozarg
Sun Apr 01, 2018 8:19 pm
Forum: Investing - Theory, News & General
Topic: Do you invest in Real Estate ? Why ?
Replies: 52
Views: 4226

Re: Do you invest in Real Estate ? Why ?

I know a few people (some in real life, some on this and other forums) who say real estate is the only thing people should be investing in, and that stocks and bonds are pointless and suboptimal. I'm too lazy and risk-averse to do it though, so the only real estate investing I do is a 10% tilt to RE...
by zaboomafoozarg
Fri Mar 23, 2018 4:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1434402

Re: U.S. stocks in freefall

TSquare wrote:
Fri Mar 23, 2018 3:37 pm
TSquare wrote:
Mon Feb 05, 2018 3:34 pm
Dead cat bounce! Hang on folks!
I warned you all back in February!
If I had a dollar for every time I've been warned by some lurker about impending doom, I'd be retired now.
by zaboomafoozarg
Thu Mar 15, 2018 10:12 pm
Forum: Investing - Theory, News & General
Topic: PSA: Vanguard Drops The Ball (Cost Basis Issue)
Replies: 24
Views: 4111

Re: PSA: Vanguard Drops The Ball (Cost Basis Issue)

Vanguard is like ALDI. They offer some of the lowest prices, but at the expense of service and other frills.
by zaboomafoozarg
Sun Mar 11, 2018 8:41 pm
Forum: Investing - Theory, News & General
Topic: Looking for an example of a fund which has beat its index for 30 years
Replies: 93
Views: 9439

Re: Looking for an example of a fund which has beat its index for 30 years

Sequoia Fund (SEQUX) had beat the S&P 500 handily from 1970 to 2015 ($10k to $4.1M for SEQUX, $10k to $1.1M for SP500).

After Sequoia's big bad bet on Valeant, they took a large drop in 2015-2016 and lagged the S&P 500. But they're still ahead from 1970 to 2018.
by zaboomafoozarg
Sun Mar 11, 2018 8:59 am
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1255
Views: 191557

Re: QSPIX - thoughts on interesting fund

After digging around the FPL website, I see no mention of Stone Ridge availability. Are these funds available elsewhere at a reasonable fee? fplcapital.com does have the Stone Ridge logo at the bottom of the screen, and this Stone Ridge page that comes up when you search their site for "stone ridge".
by zaboomafoozarg
Thu Mar 08, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: Is Cash Trash? The Purpose of Cash
Replies: 178
Views: 18510

Re: Is Cash Trash? The Purpose of Cash

Some say that cash is trash, some say it's king. From what I've tasted of the bear, I think that "cash is king" is fair. But after 10 years of the bull, I feel like I should probably exchange my bank account in full for equities 'cause cash is dull. Bravo! Bravo! Haha thanks, I think it might be th...
by zaboomafoozarg
Wed Mar 07, 2018 7:16 pm
Forum: Investing - Theory, News & General
Topic: Is Cash Trash? The Purpose of Cash
Replies: 178
Views: 18510

Re: Is Cash Trash? The Purpose of Cash

Some say that cash is trash,
some say it's king.
From what I've tasted of the bear,
I think that "cash is king" is fair.
But after 10 years of the bull,
I feel like I should probably
exchange my bank account in full
for equities
'cause cash is dull.
by zaboomafoozarg
Tue Mar 06, 2018 5:53 pm
Forum: Investing - Theory, News & General
Topic: Regrets / Pearls
Replies: 27
Views: 4500

Re: Regrets / Pearls

1. What is an investment regret that you have? I bought I Bonds instead of bitcoin in 2011. 2. What one tip or piece of advice would you give the 20 or 30 year old you if you could go back in time? Buy bitcoins in 2011 instead of I Bonds. Which will you buy in 2018? bitcoin or I Bonds. :twisted: Ne...
by zaboomafoozarg
Mon Mar 05, 2018 10:22 pm
Forum: Investing - Theory, News & General
Topic: Regrets / Pearls
Replies: 27
Views: 4500

Re: Regrets / Pearls

1. What is an investment regret that you have? I bought I Bonds instead of bitcoin in 2011.

2. What one tip or piece of advice would you give the 20 or 30 year old you if you could go back in time? Buy bitcoins in 2011 instead of I Bonds.
by zaboomafoozarg
Wed Feb 28, 2018 3:28 pm
Forum: Investing - Theory, News & General
Topic: Bubbles Everywhere
Replies: 41
Views: 6887

Re: Bubbles Everywhere

Switch from high volatility, high beta assets to All of these, to one degree or another, are exactly the kinds of things respected FA's like Larry Swedroe and Rick Ferri have been recommending here for years. Commodities? Alternatives? Nope, that’s not anything I ever recommended. That stuff is way...
by zaboomafoozarg
Tue Feb 27, 2018 3:51 pm
Forum: Investing - Theory, News & General
Topic: Does anyone realize how special last year was?!
Replies: 38
Views: 6087

Re: Does anyone realize how special last year was?!

an_asker....I share a similar outlook on 2017. It 'felt' sort of like 95-99, minus all the craziness and stupidity (i.e. quitting job to day trade, etc). I saw people on reddit doing that because of bitcoin/altcoins. 20x returns just on buying at the beginning of 2017 and selling in December, and s...
by zaboomafoozarg
Fri Feb 16, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: How Not to Get Rich - Mark Twain
Replies: 17
Views: 3651

Re: How Not to Get Rich - Mark Twain

This quote from a review of the book reminds me of the WallStreetbets forum on Reddit: Both he and his characters run on a picaresque impulse: try something crazy, fail at it, laugh about it, move along https://www.newyorker.com/books/page-turner/how-mark-twain-tried-to-get-rich-quick-again-and-aga...
by zaboomafoozarg
Mon Feb 12, 2018 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Are REITs essentially taboo for years now with rising rates?
Replies: 55
Views: 5966

Re: Are REITs essentially taboo for years now with rising rates?

bikechuck wrote:
Mon Feb 12, 2018 11:33 am
midareff wrote:
Sun Feb 11, 2018 7:31 pm
I previously held REIT's in an IRA but migrated out of them last year building a larger position in VFIAX and VTIAX.
What in heavens name do VFIAX and VTIAX stand for?
They are very common mutual funds and it takes 5 seconds to Google them...
by zaboomafoozarg
Tue Feb 06, 2018 10:57 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1255
Views: 191557

Re: QSPIX - thoughts on interesting fund

I honestly can't. Grok was/is the big Vanguard Market Neutral proponent in the context of QSPIX. It is my understanding that he is spooked by the leverage. I believe Larry S. and Lack_ey countered that much of that leverage is on low volatility things like Tbills or whatever rather than equities. I...
by zaboomafoozarg
Mon Feb 05, 2018 10:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 16386

Re: Can't signon to Vanguard

[merged this topic and replies into the existing thread - moderator prudent] Anyone else? Not a buyer or a seller today, but it is a bit unsettling to not be able to logon... Congrats, you got quoted in the WSJ :D "Many Vanguard Group customers were unable to log into their accounts Monday afternoo...
by zaboomafoozarg
Sat Feb 03, 2018 12:30 pm
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 13596

Re: Starting to feel like the late 1990s?

3funder wrote:
Sat Feb 03, 2018 10:00 am
I was a high school freshman/sophomore in the late 1990s, so no, it doesn't feel like the late 1990s, but I wish it did.
LOL same here, there was no better time than that.
by zaboomafoozarg
Fri Feb 02, 2018 9:08 am
Forum: Investing - Help with Personal Investments
Topic: What advice would you give yourself if you were 27 again?
Replies: 120
Views: 8702

Re: What advice would you give yourself if you were 27 again?

I would tell myself to enjoy life in the present, because 27 was the peak for me.
by zaboomafoozarg
Tue Jan 30, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: Wow: Shiller PE is 34.52
Replies: 52
Views: 6777

Re: Wow: Shiller PE is 34.52

Jebediah wrote:
Tue Jan 30, 2018 2:59 pm
Trailing earnings yield is 3.79%.

2 year treasury yield is 2.11%

Your choice if that's worth the risk.
It's looking less and less like it.

I was 75/25 US/international a couple years ago but have transitioned to 60/40 now. Was contemplating a move to 50/50.
by zaboomafoozarg
Sun Jan 28, 2018 3:04 pm
Forum: Investing - Theory, News & General
Topic: Wisdom of Bitcoin
Replies: 90
Views: 7522

Re: Wisdom of Bitcoin

JoMoney wrote:
Sun Jan 28, 2018 1:23 pm
I think you need to actually follow the link and watch the video. Hopefully that will answer you're question :wink:
LOL, that guy makes some great videos.
by zaboomafoozarg
Sun Jan 28, 2018 12:13 am
Forum: Investing - Theory, News & General
Topic: Wisdom of Bitcoin
Replies: 90
Views: 7522

Re: Wisdom of Bitcoin

An old friend put thousands of dollars into bitcoin in 2011 and urged me to do the same. He insisted that the government was going to collapse and only bitcoin would withstand the hyperinflation. Instead, I bought VTSMX. My investment has doubled since then... and his investment made him a retired m...
by zaboomafoozarg
Fri Jan 26, 2018 4:39 pm
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 13596

Re: Starting to feel like the late 1990s?

Nah, this website loaded instantly for me. Back in the late 90's it would have taken a good 10 seconds to pull this page up over 14.4 kbps.
by zaboomafoozarg
Fri Jan 26, 2018 2:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1434402

Re: U.S. stocks in freefall

selters wrote:
Thu Jan 25, 2018 9:10 am
Please delete this post.
Your post?
by zaboomafoozarg
Wed Jan 24, 2018 10:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1434402

Re: U.S. stocks in freefall

sreynard wrote:
Wed Jan 24, 2018 10:42 pm
Was just thinking the same thing the other day. Wishing for another 40% drop. As long as I don't lose my job of course!
A 40% drop would take the S&P 500's Shiller PE down from a crazy-high 34 to a much more reasonable 20. I could see it happening.
by zaboomafoozarg
Wed Jan 24, 2018 10:02 am
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 97
Views: 12739

Re: The Power of Working Longer

I believe we’re looking at a post heyday future with real returns on a balanced portfolio closer to 2%, so the article should be rewritten as The Necessity of Working Longer. The times when we spend a third of our lives preparing to work, a third working, and a third in retirement are over IMO. Agr...
by zaboomafoozarg
Sat Jan 20, 2018 11:08 pm
Forum: Investing - Theory, News & General
Topic: Fear of dying with too much money?
Replies: 137
Views: 9272

Re: Fear of dying with too much money?

Well, I guess if that were really important to you or someone else, I'd probably ensure that it happened before I died rather than hoping everything falls into place when I'm not around to make sure that it does. But I guess if that's ironed out well enough, such as in a trust, you could do it afte...
by zaboomafoozarg
Sat Jan 20, 2018 10:38 pm
Forum: Investing - Theory, News & General
Topic: Fear of dying with too much money?
Replies: 137
Views: 9272

Re: Fear of dying with too much money?

I personally don't understand legacy. I think more like George Carlin. What relevance is legacy to a dead person? I think it matters to me because I probably won't ever have kids, so at least I want someone to remember me. Always thought having a building or something named after me would be cool.
by zaboomafoozarg
Sat Jan 20, 2018 10:25 pm
Forum: Investing - Theory, News & General
Topic: Fear of dying with too much money?
Replies: 137
Views: 9272

Re: Fear of dying with too much money?

If I end up with too much money, I'll just pay a bunch of it to take a trip to freakin' space.
by zaboomafoozarg
Sat Jan 20, 2018 10:23 pm
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 111
Views: 8444

Re: Post Your Morningstar Box Style

walletless wrote:
Sat Jan 20, 2018 3:57 pm
zaboomafoozarg wrote:
Sat Jan 20, 2018 3:05 pm
Whoever has the most in small value box wins, right?
I though who ever had the highest sum wins !!
They all add to to 100 so I guess we're all winners! :D
by zaboomafoozarg
Sat Jan 20, 2018 10:22 pm
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 111
Views: 8444

Re: Post Your Morningstar Box Style

OK I'll post but it's kind of weak because I can only bring myself to tilt 30% of my stocks.

Image
by zaboomafoozarg
Sat Jan 20, 2018 9:45 pm
Forum: Investing - Theory, News & General
Topic: "The Pain of Discipline or the Pain of Regret?"
Replies: 33
Views: 3803

Re: "The Pain of Discipline or the Pain of Regret?"

Sometimes I wonder if these people are living on a different planet. 2008-09, 2011, and 15-16 weren't that emotionally stressful. For several people I know who were near or in retirement during 2008-2009, it was insanely stressful. They weren't very financially savvy, their 401(k)s had dropped by h...