Search found 1821 matches

by zaboomafoozarg
Sat Nov 11, 2017 11:31 pm
Forum: Investing - Theory, News & General
Topic: What percentage in state municipal bonds?
Replies: 9
Views: 849

Re: What percentage in state municipal bonds?

I was debating using Ohio's VOHIX for my taxable bond fund. But I eventually settled on 0% in state bonds and just went with 100% in VWITX.

VWITX is more diversified (7000 bonds vs. 407), intermediate term instead of long term (5.2 years vs. 7 years) and higher quality (23% AAA vs. 8% AAA).
by zaboomafoozarg
Fri Nov 10, 2017 8:24 am
Forum: Investing - Help with Personal Investments
Topic: How old are you and what size is your portfolio?
Replies: 33
Views: 4122

Re: How old are you and what size is your portfolio?

Dale_G wrote:
Fri Nov 10, 2017 12:08 am
I am 80 and have a large portfolio. Is there anyone young with a small portfolio out there that would like to swap both with me?

Dale
I'll trade you 5 years for $5 million :D
by zaboomafoozarg
Thu Nov 09, 2017 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: How old are you and what size is your portfolio?
Replies: 33
Views: 4122

Re: How old are you and what size is your portfolio?

EddyB wrote:
Thu Nov 09, 2017 7:27 pm
OP may want to see these results from a few years ago.

viewtopic.php?t=154364
It seems like it's about time to have another one of these.
by zaboomafoozarg
Wed Nov 08, 2017 8:04 pm
Forum: Investing - Theory, News & General
Topic: DFA access
Replies: 27
Views: 2475

Re: DFA access

I don't know of any offering access for a one-time fee, but Meb Faber tweeted yesterday about a roboadvisor offering DFA access for only 25 basis points. See below. Meb Faber‏Verified account @MebFaber Nov 7 Wondered why someone didn't launch a 0.25% DFA roboadvisor...looks like it is now a reality...
by zaboomafoozarg
Fri Nov 03, 2017 6:20 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1584
Views: 281852

Re: What are you up YTD? [Year To Date]

ruralavalon wrote:
Fri Nov 03, 2017 4:03 pm
zaboomafoozarg wrote:
Fri Nov 03, 2017 3:52 pm
sambb wrote:
Mon Oct 23, 2017 8:08 pm
What is the main purpose of this thread
It's a brag thread :D
Also it's just kind of interesting.
I agree, it's nice to have one big thread to keep track of it.
by zaboomafoozarg
Fri Nov 03, 2017 3:52 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1584
Views: 281852

Re: What are you up YTD? [Year To Date]

sambb wrote:
Mon Oct 23, 2017 8:08 pm
What is the main purpose of this thread
It's a brag thread :D
by zaboomafoozarg
Sat Oct 28, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 18551

Re: Early-retired 35 year old with $1 million

Hate to tell you this, I don't think you have enough to retire unless you live in a very low cost of living area. With 80% stocks, you are also vulnerable to a bear market. Are you really going to live on $30,000 a year? $30k isn't too hard for a single person who doesn't do a lot of expensive stuf...
by zaboomafoozarg
Sat Oct 28, 2017 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 18551

Re: Early-retired 35 year old with $1 million

dbr wrote:
Sat Oct 28, 2017 9:41 am
But, of course, the question is now much are you planning on spending?
Agreed, that's the big missing piece of info from the OP.
by zaboomafoozarg
Fri Oct 27, 2017 7:03 am
Forum: Investing - Theory, News & General
Topic: Stocks go up, bonds fall. Stock fall, bonds also fall.
Replies: 51
Views: 5362

Re: Stocks go up, bonds fall. Stock fall, bonds also fall.

Holding a bond fund such as VBTLX doesn't make sense to me either. A ladder of 5-year CDs pays the same interest without the volatility. Not sure under what scenario holding the bond fund would be better, and it can be worse, so I don't bother with that. How am I going to buy the 350k of CDs I woul...
by zaboomafoozarg
Tue Oct 24, 2017 10:23 pm
Forum: Investing - Theory, News & General
Topic: Long term viability of Real Estate as an asset class
Replies: 38
Views: 3245

Re: Long term viability of Real Estate as an asset class

All of the benefits (leverage, control, inside property and submarket knowledge, fantastic tax benefits, cash-out refinance, 1031 exchange, etc.) and most of the returns are lost going from actual real estate investing to buying a REIT. Gee I wonder why anyone would want to control their own indivi...
by zaboomafoozarg
Sat Oct 21, 2017 8:52 am
Forum: Investing - Theory, News & General
Topic: Why do I need bonds? (I'm 30)
Replies: 70
Views: 6435

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: 7425

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: 184
Views: 21455

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: 15954

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: 3479

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: 16798

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: 6647

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: 3479

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: 2416

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: 4865

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: 29373

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: 4328

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: 2570

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: 37401

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: 29216

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: 2972

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: 8053

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: 6362

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: 2466

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: 2466

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: 2466

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: 5600

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: 2845

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: 11927

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: 4590

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: 1338

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: 9355

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: 9355

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: 22037

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: 22037

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: 9355

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: 9355

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: 3731

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: 3731

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: 9355

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: 50
Views: 4578

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: 1412

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: 4419

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: 5904

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 :(