Search found 1767 matches

by FelixTheCat
Wed Jun 03, 2020 1:50 pm
Forum: Personal Investments
Topic: VG Digital Advisor vs LifeStrategy Fund in Taxable
Replies: 12
Views: 545

Re: VG Digital Advisor vs LifeStrategy Fund in Taxable

My curiosity is would you open a new account and put in $3K for the advice?
by FelixTheCat
Fri May 29, 2020 12:12 pm
Forum: Personal Investments
Topic: Buying Voo - Robinhood or Vanguard?
Replies: 41
Views: 1616

Re: Buying Voo - Robinhood or Vanguard?

+1 for Fidelity. I buy ETFs at Fidelity and they are zero commission for Vanguard funds.
by FelixTheCat
Thu May 28, 2020 4:31 pm
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 123
Views: 6584

Re: Tips to stick to a weight loss diet?

The only that works for me is logging everything into MyFitnessPal and not exceeding the caloric goal. I tend to eat healthier because I can eat more food like vegetables.
by FelixTheCat
Thu May 28, 2020 3:57 pm
Forum: Personal Investments
Topic: Any retirees get through Covid crisis without large cash reserve?
Replies: 63
Views: 4256

Re: Any retirees get through Covid crisis without large cash reserve?

What did you guys do in 2008 and you lost 40% in equities? Did you simply draw off your bond funds?
by FelixTheCat
Thu May 28, 2020 3:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard High Dividend Yield Index Fund
Replies: 184
Views: 17078

Re: Vanguard High Dividend Yield Index Fund

Here's a Vanguard link https://advisors.vanguard.com/iwe/pdf/FASINVMP.pdf that show model portfolios. There is a income series.
by FelixTheCat
Fri May 22, 2020 1:35 pm
Forum: Personal Investments
Topic: I freaked out…now what?
Replies: 60
Views: 6101

Re: I freaked out…now what?

I’ve never sold on fear in my life and know better, but on 3/13 I sold 100% of my investments. My investments were about a 50/50 allocation. You have the wrong AA for you since you sold based on fear. Maybe 40/60 is a better AA for your tolerance level. You really think 40/60 would have made a diff...
by FelixTheCat
Fri May 22, 2020 1:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard High Dividend Yield Index Fund
Replies: 184
Views: 17078

Re: Vanguard High Dividend Yield Index Fund

Here were my original thoughts. For a retiree (or any investor) who desires additional dividend income, I would think this one fund would compliment the Total Stock Index. Vanguard High Dividend Yield - 3.66% REITs - 3.22% but it really is not this high!!! That "yield" for lack of better terms is c...
by FelixTheCat
Thu May 21, 2020 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Kids savings account vs UTMA?
Replies: 4
Views: 418

Re: Kids savings account vs UTMA?

I would tell Dad to keep his money. Suggest to him he can spoil the grand children every once in a while with presents or adventures. A nice trip to the zoo with Grandpa would be a fun adventure everyone would enjoy. :-)
by FelixTheCat
Thu May 21, 2020 3:26 pm
Forum: Personal Investments
Topic: I freaked out…now what?
Replies: 60
Views: 6101

Re: I freaked out…now what?

evonboeck wrote:
Thu May 21, 2020 1:44 pm
I’ve never sold on fear in my life and know better, but on 3/13 I sold 100% of my investments.

My investments were about a 50/50 allocation.
You have the wrong AA for you since you sold based on fear. Maybe 40/60 is a better AA for your tolerance level.
by FelixTheCat
Tue May 19, 2020 12:02 pm
Forum: Personal Investments
Topic: Best place to hold 100k emergency fund?
Replies: 25
Views: 2338

Re: Best place to hold 100k emergency fund?

I have a three year EF. It's primarily used to draw on in case the market tanks badly (think 2008) so I don't have to draw on equities. Personally, I couldn't put my money in a CD or money market hoping to get 1%. I went with the short-term bond index fund that is up 3.26% ytd.
by FelixTheCat
Fri May 15, 2020 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Rental property: experiences with property management companies?
Replies: 11
Views: 773

Re: Rental property: experiences with property management companies?

What went wrong with the one-man shop? Was it something inherent to it being one person, or just generally a bad experience? The one-man shop was probably just the person. I had tenants I had to evict. Tenants that damaged the property slightly and the manager did nothing. Usually a month+ vacancy ...
by FelixTheCat
Fri May 15, 2020 1:46 pm
Forum: Personal Investments
Topic: My son's (age 9) investments.
Replies: 20
Views: 1659

Re: My son's (age 9) investments.

I would have one account. Fund Total Stock Market or S&P 500. So one of his accounts is VTI only. Would you change anything about this? I dont plan on turning this account over to him until he is 25ish. Then I would hope he just continues to hod on it. I would not change a thing. Fund VTI.
by FelixTheCat
Fri May 15, 2020 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Rental property: experiences with property management companies?
Replies: 11
Views: 773

Re: Rental property: experiences with property management companies?

I've had two property managers. I had a less than mediocre experience with a one-person real estate person that part-timed as a property manager. I've had excellent experience with a property management firm. They interview tenants, video tape the property before the tenants occupy, handle all maint...
by FelixTheCat
Thu May 14, 2020 4:43 pm
Forum: Personal Investments
Topic: My son's (age 9) investments.
Replies: 20
Views: 1659

Re: My son's (age 9) investments.

I would have one account. Fund Total Stock Market or S&P 500.
by FelixTheCat
Thu May 14, 2020 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Secretly Retired - Family doesn't know
Replies: 27
Views: 2919

Re: Secretly Retired - Family doesn't know

I mistakenly told a friend I paid off my home. He thinks it's his job to tell me how to spend my money. Keep your financial status a secret. Except, tell us how you retired so early. Business? Investing?
by FelixTheCat
Wed May 13, 2020 12:33 pm
Forum: Investing - Theory, News & General
Topic: Is Warren Buffett's investing approach outdated?
Replies: 16
Views: 1409

Re: Is Warren Buffett's investing approach outdated?

I wanted to get your thoughts on Warren Buffett's investing approach, if you think it is outdated, and if he should change anything going forward? I never understood why people question Buffett's methodology unless you have made more than $86 billion through investing. Remember, he made his wealth.
by FelixTheCat
Tue May 12, 2020 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Asking renter to obtain renter's insurance; what benefits to highlight?
Replies: 18
Views: 942

Re: Asking renter to obtain renter's insurance; what benefits to highlight?

Why? Renters insurance has everything do to with the renter's property and nothing to do with the landlords property. From State Farm website What it covers If you rent an apartment or home from a landlord, they won’t be responsible for any damages to your personal property in the case of a break-in...
by FelixTheCat
Tue May 12, 2020 1:33 pm
Forum: Personal Investments
Topic: Vanguard or Fidelity Advising Services?
Replies: 16
Views: 876

Re: Vanguard or Fidelity Advising Services?

Cheez-It Guy wrote:
Tue May 12, 2020 12:45 pm
Vanguard has launched or is launching a digital advisor service for 0.15% of assets under management if you don't need a lot of human interaction.
It looks pretty good. Do you know if anyone has used it?
by FelixTheCat
Tue May 12, 2020 12:45 pm
Forum: Personal Investments
Topic: Odd advice for 401K and IRA
Replies: 23
Views: 1262

Re: Odd advice for 401K and IRA

FIL is guessing about the market.
by FelixTheCat
Fri May 08, 2020 1:24 pm
Forum: Personal Investments
Topic: Rental Property - Exit Plan!
Replies: 30
Views: 3345

Re: Rental Property - Exit Plan!

That said, I hate to “sell the cash register” on a property that is bringing in cash flow and appreciating nicely. Mackis I have positive cash flow rental property. It's a constant source of income I use to buy more equities. When I retire, the rental property will be a constant source of income so...
by FelixTheCat
Wed May 06, 2020 2:46 pm
Forum: Investing - Theory, News & General
Topic: Total market or S&P 500?
Replies: 44
Views: 3593

Re: Total market or S&P 500?

I went through the same scenario. Buffett repeatedly says S&P 500. My own analysis shows me that VOO provides similar returns with less volatility than VTI. I wish I could find a video where Bogle says "Invest in Vanguard Total Stock Market Index Fund." All I find is Mr. Bogle says we should invest ...
by FelixTheCat
Mon May 04, 2020 12:47 pm
Forum: Investing - Theory, News & General
Topic: Who is your all time favorite investor and why?
Replies: 52
Views: 2741

Re: Who is your all time favorite investor and why?

Mom. She told me at an early age to save something from each paycheck.
by FelixTheCat
Tue Apr 28, 2020 3:31 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1111
Views: 110498

Re: Jack Bogle - Two Fund Portfolio

Here's something I need a little clarification. I ran a Backtest Portfolio Asset Class Allocation scenario on Portfolio Visualizer. Invest 1 MM in Large Caps, 1 MM Mid Caps and 1 MM Small Caps. Over a 48 year period, Large Caps returned 92 MM Mid Caps returned 169 MM Small Caps returned 142 MM Why ...
by FelixTheCat
Tue Apr 28, 2020 2:47 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1111
Views: 110498

Re: Jack Bogle - Two Fund Portfolio

Here's something I need a little clarification. I ran a Backtest Portfolio Asset Class Allocation scenario on Portfolio Visualizer. Invest 1 MM in Large Caps, 1 MM Mid Caps and 1 MM Small Caps. Over a 48 year period, Large Caps returned 92 MM Mid Caps returned 169 MM Small Caps returned 142 MM Why i...
by FelixTheCat
Tue Apr 28, 2020 2:40 pm
Forum: Investing - Theory, News & General
Topic: S&P500 >>> Total Stock Market?
Replies: 30
Views: 2639

Re: S&P500 >>> Total Stock Market?

Go to Portfolio Visualizer. Run Backtest Portfolio Asset Class Allocation for different years/scenarios. If you're bored, look at how small caps/mid caps compare to large caps over the last 48 years. Lots of swings back and forth with no winner? Honestly you should just consider them the same. I ha...
by FelixTheCat
Tue Apr 28, 2020 1:22 pm
Forum: Investing - Theory, News & General
Topic: S&P500 >>> Total Stock Market?
Replies: 30
Views: 2639

Re: S&P500 >>> Total Stock Market?

Go to Portfolio Visualizer. Run Backtest Portfolio Asset Class Allocation for different years/scenarios. If you're bored, look at how small caps/mid caps compare to large caps over the last 48 years.
by FelixTheCat
Tue Apr 28, 2020 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: How do you explain no COVID19 Stimulus Payment?
Replies: 89
Views: 7155

Re: How do you explain no COVID19 Stimulus Payment?

I tell people "I haven't received mine yet."
by FelixTheCat
Fri Apr 24, 2020 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC for emergency
Replies: 26
Views: 1503

Re: HELOC for emergency

Nate79 wrote:
Thu Apr 23, 2020 8:14 pm
I go against the normal advice here and say that a HELOC is not an emergency fund.
+1

Build up a cash account.
by FelixTheCat
Thu Apr 23, 2020 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: DAF - Vanguard or Fidelity? (donor advised fund)
Replies: 35
Views: 3637

Re: DAF - Vanguard or Fidelity? (donor advised fund)

Hi, can someone please share instructions on how to contribute to a fidelity daf with vanguard funds? I am looking into opening a fidelity DAF and will be funding it initially with some appreciated ETF shares in a vanguard fund. thank you There is an option to Contribute from a non-Fidelity brokera...
by FelixTheCat
Mon Apr 20, 2020 6:39 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1111
Views: 110498

Re: Jack Bogle - Two Fund Portfolio

Both Mr. Bogle and Mr. Buffett have recommended "one simple low cost and diversified bond fund: Vanguard Total Bond Market Index Fund. May I ask where these recommendations are posted? Is there an article where Bogle or Buffett authored? My extensive research on both men indicate they advocate the ...
by FelixTheCat
Mon Apr 20, 2020 12:08 pm
Forum: Personal Investments
Topic: How to put $100K into the market now?
Replies: 34
Views: 3690

Re: How to put $100K into the market now?

I'll give you the Buffett response. Invest it all today and get back to work.
by FelixTheCat
Fri Apr 17, 2020 1:09 pm
Forum: Investing - Theory, News & General
Topic: Switching from Bond funds to CD ladder
Replies: 26
Views: 1860

Re: Switching from Bond funds to CD ladder

CWRadio wrote:
Fri Apr 17, 2020 12:13 pm
I have done well with my bond funds.
I think you already answered yourself.
by FelixTheCat
Tue Apr 07, 2020 1:08 pm
Forum: Investing - Theory, News & General
Topic: Trad 401k vs Roth 401k Investing in a Downturn
Replies: 36
Views: 1775

Re: Trad 401k vs Roth 401k Investing in a Downturn

To me, the advantage of the Roth is there are no RMDs required when you are 70.5 years old. :-)
by FelixTheCat
Tue Apr 07, 2020 12:44 pm
Forum: Personal Investments
Topic: How often do you add money to stock market?
Replies: 48
Views: 3354

Re: How often do you add money to stock market?

I am self employed and get paid very irregularly. Me too. I budget three months (minimum) in advance using YNAB www.youneedabudget.com This includes a monthly amount that automatically is transferred to my taxable account. I save a percentage of Gross Revenue (when I get paid) for my Solo Roth 401K...
by FelixTheCat
Mon Apr 06, 2020 3:39 pm
Forum: Personal Investments
Topic: [Panicked and moved to cash. What to do next?]
Replies: 106
Views: 12529

Re: I am a Massive Loser

I sold stocks in 2009 and I realized my asset allocation was wrong for me. I went from 60/40 to 50/50 and I'm ok with my portfolio during this downturn. Why did you sell? What was your AA before the downturn? Were there specific investments that caused you to sell? It's time to come up with an IPS t...
by FelixTheCat
Mon Apr 06, 2020 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: How have Donor Advised Funds held up so far?
Replies: 26
Views: 1224

Re: How have Donor Advised Funds held up so far?

My DAF is working as expected: I have 50/50 Stocks/Bonds. Charities are still getting their grants.
by FelixTheCat
Mon Apr 06, 2020 12:52 pm
Forum: Personal Investments
Topic: help me construct a bond portfolio from scratch
Replies: 6
Views: 388

Re: help me construct a bond portfolio from scratch

Low-yield money market, cash, short-term bond funds are the most tax efficient https://www.bogleheads.org/wiki/Tax-efficient_fund_placement in a taxable account. Bogleheads usually mentioned tax-exempt bond funds like Limited Term Tax Exempt with Intermediate Term Tax exempt. Warren Buffett will tel...
by FelixTheCat
Mon Apr 06, 2020 12:40 pm
Forum: Personal Consumer Issues
Topic: Charity during the pandemic
Replies: 73
Views: 4463

Re: Charity during the pandemic

Here is a list of suggested charities from Fidelity Charitable https://www.fidelitycharitable.org/guid ... virus.html
by FelixTheCat
Fri Apr 03, 2020 6:08 pm
Forum: Investing - Theory, News & General
Topic: Black (White) Swan Portfolio Insurance ?
Replies: 33
Views: 1796

Re: Black (White) Swan Portfolio Insurance ?

I'll go with Buffett's answer. Short-Term Treasuries.
by FelixTheCat
Fri Apr 03, 2020 12:29 pm
Forum: Personal Investments
Topic: Share what worked in your plan during the crisis
Replies: 103
Views: 6969

Re: Emergency fund, emergency fund!

The "pay off your house" advocates are happy as well.
by FelixTheCat
Thu Apr 02, 2020 7:27 pm
Forum: Personal Consumer Issues
Topic: Should I keep paying fitness center fees while it is closed?
Replies: 114
Views: 6263

Re: Should I keep paying fitness center fees while it is closed?

I belong to a CrossFit box. It is a great community. I want this particular one to stay in business and I have no problem paying my dues for a month or two.
by FelixTheCat
Thu Apr 02, 2020 2:56 pm
Forum: Personal Investments
Topic: Anyone here depressed just looking at their portfolio?
Replies: 122
Views: 7343

Re: Anyone here depressed just looking at their portfolio?

You need to view this as a buying opportunity.
by FelixTheCat
Wed Apr 01, 2020 11:34 am
Forum: Personal Consumer Issues
Topic: GOOD RX...What Is It?
Replies: 37
Views: 2848

Re: GOOD RX...What Is It?

My experience with GoodRX wasn't that great. I didn't have medical insurance at the time. I went to buy my two meds. One med wasn't offering a discount. It took the clerk 45 minutes to navigate the system to give me $3 off my other med. Meh.
by FelixTheCat
Tue Mar 31, 2020 2:02 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55588

Re: How to get Toilet Paper ? seriously.

Family owned business in Maine with a one-year subscription service https://tissueplus.com/
by FelixTheCat
Fri Mar 27, 2020 12:44 pm
Forum: Investing - Theory, News & General
Topic: How to avoid temptation of Stock Picking during market crash
Replies: 48
Views: 2827

Re: How to avoid temptation of Stock Picking during market crash

I know I shouldn't ... but I am going to be an enabler. Go open an M1 Finance account https://www.m1finance.com/ . Pick the stocks you desire to create your portfolio (they call it a pie). Throw in a small amount of money and the app will buy fractional shares for you and keep your portfolio balance...
by FelixTheCat
Thu Mar 26, 2020 4:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5855
Views: 497598

Re: New Bull Market!

I wish it would stop. I plan to buy more VTSAX in the beginning of April. :D
by FelixTheCat
Thu Mar 26, 2020 1:05 pm
Forum: Investing - Theory, News & General
Topic: Bond Strategy
Replies: 69
Views: 4724

Re: Bond Strategy

Everyone is dumping yield for safety. When the crisis is over, will you be looking at Total Bond's 1.89% 30 day yield or Intermediate Term Treasury Index .80% yield?

What's more important to you?
by FelixTheCat
Thu Mar 26, 2020 1:01 pm
Forum: Investing - Theory, News & General
Topic: How much (or little) do u talk to/teach others about finances
Replies: 36
Views: 1713

Re: How much (or little) do u talk to/teach others about finances

I talk all of the time about saving and investing. It falls on deaf ears 99.9999% of the time.
by FelixTheCat
Wed Mar 25, 2020 12:47 pm
Forum: Personal Investments
Topic: Vanguard Short-Term Bond Index Fund Question
Replies: 28
Views: 4796

Re: Vanguard Short-Term Bond Index Fund Question

My short term money is in the ETF version of Vanguard's Short-Term Bond Index fund (BSV). According to the wiki, it is very tax efficient https://www.bogleheads.org/wiki/Tax-efficient_fund_placement Efficient Low-yield money market, cash, short-term bond funds Tax-managed stock funds Large-cap and t...