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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: 87
Views: 5338

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: 80
Views: 8982

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: 3271

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: 6493

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: 75
Views: 10946

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: 7
Views: 608

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: 17903

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: 3359

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: 2149

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: 7036

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: 6683
Views: 1448845

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: 1552

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: 9054

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: 11877

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: 3154

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: 4923

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: 9111

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: 18342

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: 18342

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: 2216

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: 12052

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: 30023

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: 9111

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: 14349

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: 3176

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: 10648

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: 4899

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: 21777

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: 8940

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: 7067

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: 73
Views: 8235

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: 6683
Views: 1448845

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: 4195

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: 9619

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: 192133

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: 18880

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: 18880

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: 4546

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: 4546

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: 6932

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: 6121

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: 3708

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: 6114

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: 192133

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: 16538

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: 13668

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: 8790

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.