Search found 1924 matches

by zaboomafoozarg
Fri Oct 05, 2018 10:18 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth doesn't like single premium annuities
Replies: 185
Views: 9200

Re: Alan Roth doesn't like single premium annuities

The are NOT longevity insurance. This falsehood continues to be spread. The do not protect you from running out of money for old age because they do not protect against inflation for which the risk gets worse and worse the longer you live. You can buy SPIAs that increase payouts by the CPI each year.
by zaboomafoozarg
Tue Oct 02, 2018 8:36 pm
Forum: Investing - Theory, News & General
Topic: Why won't the US markets average 0-2% (or 10-20%) real returns for a few decades?
Replies: 20
Views: 2774

Re: Why won't the US markets average 0-2% (or 10-20%) real returns for a few decades?

Seriously? Is this how some people really spend their day: thinking of how bad things will be over decades? It's certainly not how I want to spend my life as a human or as an investor. I usually expect and try to plan for bad outcomes, that way I'll end up pleasantly surprised if things aren't awful.
by zaboomafoozarg
Sun Sep 23, 2018 7:36 am
Forum: Investing - Theory, News & General
Topic: How do you define your success in our life, career and job?
Replies: 25
Views: 1823

Re: How do you define your success in our life, career and job?

The only goal of my career is to make enough money to retire. Once I can retire, I will have been successful.
by zaboomafoozarg
Thu Sep 13, 2018 9:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Assets Held In Street Name
Replies: 52
Views: 1496

Re: Vanguard Brokerage Assets Held In Street Name

I never saw anywhere to enter my street name when creating my Vanguard account...
by zaboomafoozarg
Mon Sep 10, 2018 8:46 am
Forum: Investing - Theory, News & General
Topic: Commodities have never been cheaper - time to buy?
Replies: 46
Views: 5122

Re: Commodities have never been cheaper - time to buy?

Yes, I like commodities now. My portfolio looks something like this: 20% gold 15% crude oil (via long-dated futures) 15% emerging markets equities 10% non-US developed markets equities 25% long term bonds 15% cash Whooey! This the the Contrarian's Cocktail. Well Done! Part of the issue may be job r...
by zaboomafoozarg
Sat Sep 08, 2018 10:27 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1435
Views: 207725

Re: QSPIX - thoughts on interesting fund

As far as Larry Swedroe, my interaction with him on this forum has caused me to think about things a bit differently. It isn't like I dropped everything I was doing before and went 100% with everything he says, but he has helped refine my thinking. Agreed. Our understanding of these concepts differ...
by zaboomafoozarg
Sun Sep 02, 2018 7:55 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 262
Views: 124685

Re: I can't believe I am thinking this [Panic and Survival 2008-09]

wonder if asset allocation comfort can help, or work longer and have more cushion Asset allocation would probably help to an extent. A lot of people were talking like the whole financial system might be destroyed, so having some real assets like real estate and gold/silver might've helped with the ...
by zaboomafoozarg
Sun Aug 26, 2018 8:56 pm
Forum: Investing - Theory, News & General
Topic: What non-Vanguard ETFs will you be looking to buy?
Replies: 62
Views: 6643

Re: What non-Vanguard ETFs will you be looking to buy?

Doc wrote:
Sun Aug 26, 2018 2:43 pm
I don't buy odd lots. The bookkeeping would drive me crazy.
What makes odd lots harder to handle than round lots? I've never bought 100 of anything, I just buy based on the amount of money I want to invest, and I've never run into a problem that I know of.
by zaboomafoozarg
Tue Aug 21, 2018 10:09 pm
Forum: Investing - Theory, News & General
Topic: What non-Vanguard ETFs will you be looking to buy?
Replies: 62
Views: 6643

Re: What non-Vanguard ETFs will you be looking to buy?

I'm considering IJS instead of VSIAX for US small cap value, and DLS + DGS instead of VSS for international small cap value.
by zaboomafoozarg
Sun Aug 12, 2018 8:49 am
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 151
Views: 19991

Re: International stocks in free fall

The way I'm viewing it, my taxable account is a stand-alone portfolio since I'll hopefully rely on it for about 10 years before I can touch and take anything out of my 401K. I also view it that way because of planned usage in early retirement, and I use VWITX (Vanguard intermediate-term tax-exempt ...
by zaboomafoozarg
Tue Aug 07, 2018 5:23 am
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 13841

Re: "Age in Bonds" fails almost everyone

75/25 for life, no asset allocation charts needed.
by zaboomafoozarg
Fri Aug 03, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: 3 Levels of Wealth
Replies: 125
Views: 11991

Re: 3 Levels of Wealth

Hopefully in the future I'll get some time to concentrate on scaling Maslow's pyramid instead of just making, saving and worrying about money.
by zaboomafoozarg
Sun Jul 29, 2018 12:18 pm
Forum: Investing - Theory, News & General
Topic: Jonathan Clements blog - Argues for all-in-one fund
Replies: 21
Views: 3839

Re: Jonathan Clements blog - Argues for all-in-one fund

(bonds in taxable accounts are tax inefficient) Tax inefficient, but perhaps better from a total-portfolio point of view: https://www.whitecoatinvestor.com/asset-location-bonds-go-in-taxable/ I just use VWITX (US muni fund bonds) in taxable to avoid the federal taxes. I've considered my state-speci...
by zaboomafoozarg
Sat Jul 28, 2018 12:16 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio: Is it 1937 all over again?
Replies: 45
Views: 6334

Re: Ray Dalio: Is it 1937 all over again?

Blueskies123 wrote:
Sat Jul 28, 2018 11:59 am
Here is Ray's current portfolio, he appears to staying the course.
Interesting, no developed international markets, only emerging with a tilt to Brazil.
by zaboomafoozarg
Sat Jul 28, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: Vgd alt strategies fund (vasfx) open to retail investors?
Replies: 23
Views: 1999

Re: Vgd alt strategies fund (vasfx) open to retail investors?

Interesting, it seems I saw this was closed just a couple weeks ago.
by zaboomafoozarg
Fri Jul 27, 2018 12:19 pm
Forum: Investing - Theory, News & General
Topic: WSJ--Vanguard Sent Erroneous Text Messages to Some 401(k) Customers Messages said loans had been processed
Replies: 12
Views: 1215

Re: WSJ--Vanguard Sent Erroneous Text Messages to Some 401(k) Customers Messages said loans had been processed

This thread is roughly a day and a half old. Only nine responses. I can only imagine how many responses there would be if Fidelity did this instead of Vanguard. Who knows, there might be less. I don't think that an erroneous text message sent to a few people is a really big deal, and certainly not ...
by zaboomafoozarg
Thu Jul 26, 2018 10:46 pm
Forum: Investing - Theory, News & General
Topic: WSJ--Vanguard Sent Erroneous Text Messages to Some 401(k) Customers Messages said loans had been processed
Replies: 12
Views: 1215

Re: WSJ--Vanguard Sent Erroneous Text Messages to Some 401(k) Customers Messages said loans had been processed

The thing is, I think the customer service is probably just fine. Their IT is not. IT problems lead to more customer service inquiries which leads to long wait times both to have your inquiry answered and then to resolve the problem. Having worked with legacy mainframe systems and having heard that...
by zaboomafoozarg
Thu Jul 26, 2018 5:52 pm
Forum: Investing - Theory, News & General
Topic: Facebook stock in freefall! (20% drop in 1-day)
Replies: 120
Views: 11235

Re: Facebook stock in freefall! (20% drop in 1-day)

Did this count as an RBD for Facebook? :D
by zaboomafoozarg
Sun Jul 22, 2018 12:22 am
Forum: Investing - Theory, News & General
Topic: Index-ish fund that lacks FAANG?
Replies: 45
Views: 4647

Re: Index-ish fund that lacks FAANG?

Maybe RVRS? It's a reserve-weighted S&P500 ETF, so FAANG would still be in there but at the lowest holdings amounts. It's still pretty new and small, and I don't own it. But I just saw it the other day and was interested in the idea of holding some of that in conjunction with the total US market fund.
by zaboomafoozarg
Sat Jul 21, 2018 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Since ETFs will be free to trade at VG - any better choices for small/value besides VBR/VSS?
Replies: 11
Views: 1447

Re: Since ETFs will be free to trade at VG - any better choices for small/value besides VBR/VSS?

Be careful what you wish for. :) True, as I thought about this I realized that it could be bad timing. Knowing my luck it probably will be! Would anybody move some assets in VSS, DLS, DGS, IJS, and VBR into DFCEX and/or DFSTX? Thanks! I'm not sure if I'd go to those since they're not really valuey,...
by zaboomafoozarg
Sat Jul 21, 2018 1:13 pm
Forum: Investing - Theory, News & General
Topic: The joys of investing
Replies: 23
Views: 2959

Re: The joys of investing

The hope that once I get enough money from investing, I can quit my full-time job forever.

Currently shooting for age 45, but it might take 5-10 years longer than that.
by zaboomafoozarg
Sun Jul 15, 2018 9:08 am
Forum: Investing - Theory, News & General
Topic: Why is leveraging property good but leveraging stocks bad?
Replies: 206
Views: 15683

Re: Why is leveraging property good but leveraging stocks bad?

whodidntante wrote:
Sat Jul 14, 2018 8:37 am
"Leverage is bad" is not a reasonable conclusion from his story.
From his thread, I did learn that having someone that can bail you out on the order of six figures makes things safer.
by zaboomafoozarg
Sat Jul 14, 2018 11:43 pm
Forum: Investing - Theory, News & General
Topic: Saving 20% of paycheck isn't enough
Replies: 112
Views: 14238

Re: Saving 20% of paycheck isn't enough

^

The above post makes my head hurt.
by zaboomafoozarg
Sat Jul 14, 2018 10:22 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Diversifying Through Reinsurance And Marketplace Lending Interval Funds
Replies: 50
Views: 3859

Re: Larry Swedroe: Diversifying Through Reinsurance And Marketplace Lending Interval Funds

Bodhi312 wrote:
Sat Jul 14, 2018 9:23 pm
www.fplcapital.com

I’m a client of theirs, but have not invested in StoneRidge funds.
I've considered talking to FPL but decided I don't have enough money to invest to make the $1k/year fee palatable. Maybe if someday I have enough to keep the cost below 0.1% AUM I'll reconsider.
by zaboomafoozarg
Sun Jul 08, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: WCI blog post - "This Real Estate Bubble - Likely Isn't a Bubble"
Replies: 58
Views: 7032

Re: WCI blog post - "This Real Estate Bubble - Likely Isn't a Bubble"

I'm kind of sad I didn't buy a house 6 or 7 years ago when prices were really low.

Then again, any house I bought would've been 100 miles away from work since I changed jobs 5 years ago.
by zaboomafoozarg
Sat Jul 07, 2018 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Why [was] QSPIX steadily declining?
Replies: 77
Views: 11641

Re: Why [was] QSPIX steadily declining?

Resurrecting an old thread, but does anyone have a clue as to why QSPIX had such a terrible month in May 2018? It's off about 5% for the month and the year. Certainly continues to be uncorrelated, but I'm not sure why it had such a steep drop in the month. Not sure, I just noticed today that the dr...
by zaboomafoozarg
Sat Jul 07, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Since ETFs will be free to trade at VG - any better choices for small/value besides VBR/VSS?
Replies: 11
Views: 1447

Since ETFs will be free to trade at VG - any better choices for small/value besides VBR/VSS?

I've used VBR (Vanguard's US small value) and VSS (Vanguard's ex-US small cap) for years in my IRA.

But given that other ETFs will be free to trade next month, are there any other small value ETFs that will be worth considering?
by zaboomafoozarg
Fri Jul 06, 2018 10:51 am
Forum: Investing - Theory, News & General
Topic: Morningstar: prepare for a lost decade for U.S. stocks
Replies: 198
Views: 19521

Re: Morningstar: prepare for a lost decade for U.S. stocks

I've been prepared for it for years. I fully expect reality to catch up with us, and to see much lower market returns in this century than the last one.
by zaboomafoozarg
Tue Jul 03, 2018 6:46 am
Forum: Investing - Theory, News & General
Topic: Advocating to not index
Replies: 28
Views: 3584

Re: Advocating to not index

I never talk to anyone in real life about investing, because I don't feel like opening up that potential risk of getting blamed for monetary loss.
by zaboomafoozarg
Mon Jul 02, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: Baseball simulator games (e.g., Strat-o-Matic, etc)
Replies: 21
Views: 2321

Re: Baseball simulator games (e.g., Strat-o-Matic, etc)

Baseball Simulator 1.000 for the NES will always be my favorite baseball game.
by zaboomafoozarg
Thu Jun 28, 2018 7:51 am
Forum: Investing - Theory, News & General
Topic: Are we just way over complicating this?
Replies: 113
Views: 7811

Re: Are we just way over complicating this?

livesoft wrote:
Wed Jun 27, 2018 9:39 am
BTW, Balanced Index fund is having what I would call a spectacular year with its lack of international assets. It is really kicking butt compared to comparable LifeStrategy and Target Retirement funds.
Eh, 0.94% vs -0.49% is better but I don't know if it qualifies as spectacular.
by zaboomafoozarg
Mon Jun 25, 2018 7:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7359
Views: 1545188

Re: U.S. stocks in freefall

pokebowl wrote:
Mon Jun 25, 2018 12:36 pm
I feel this dip is primarily impacting those who invested in Chinese meme stocks over this last week. :mrgreen:
Queue the $IQ jokes :D
by zaboomafoozarg
Sun Jun 24, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: Anti Indexing investment
Replies: 15
Views: 1651

Re: Anti Indexing investment

Private equity?
by zaboomafoozarg
Fri Jun 22, 2018 10:19 am
Forum: Investing - Theory, News & General
Topic: Factor Investing Makes Someone Money, But Maybe Not You
Replies: 126
Views: 9752

Re: Factor Investing Makes Someone Money, But Maybe Not You

I have using a 30% tilt to SCV and REITs since 2012. Based on my calculations, this tilt hasn't really helped or hurt. My CAGR and volatility have both been about 0.05% less than a 3-fund, and I've lost about $500 total by tilting. Honestly, the only real reason I'm tilting is the fear of missing out.
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: 12837

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: 3271

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: 5141

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: 10093

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: 184
Views: 26037

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: 184
Views: 26037

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: 2308

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: 13130

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: What do you guys do on the side?
Replies: 299
Views: 31678

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: 10093

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: 14991

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: 3357

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: 11507

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: 5069

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...