Search found 833 matches

by dru808
Sat Jul 04, 2020 4:21 pm
Forum: Personal Investments
Topic: Anyone tried JEPI etf
Replies: 7
Views: 539

Re: Anyone tried JEPI etf

I can say with 98% certainty, no one or maybe 1 member here invests in this etf.
by dru808
Tue Jun 16, 2020 10:17 pm
Forum: Personal Investments
Topic: 401K or SEP IRA for sole LLC?
Replies: 10
Views: 550

Re: 401K or SEP IRA for sole LLC?

Don’t know about solo 401k’s but a SEP ira is really easy to set up and maintain.
by dru808
Tue Jun 16, 2020 2:58 am
Forum: Personal Investments
Topic: Vanguard Growth ETF
Replies: 28
Views: 1855

Re: Vanguard Growth ETF

Why’d you pick the measly vanguard growth when you coulda picked the better past performing qqq?
by dru808
Tue Jun 16, 2020 12:31 am
Forum: Investing - Theory, News & General
Topic: Vanguard projects 10 year returns: TSM 6.5% Int'l 9.5%
Replies: 120
Views: 11555

Re: Vanguard projects 10 year returns: TSM 6.5% Int'l 9.5%

So, is small cap international the best of both worlds?
by dru808
Sun Jun 14, 2020 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Fence repair responsibility
Replies: 30
Views: 2399

Re: Fence repair responsibility

Monsterflockster wrote:
Sun Jun 14, 2020 7:34 pm
Another option: tell him you’re going to pay for the fence. Not having neighbor problems is worth the investment IMO.
This.
by dru808
Sat Jun 13, 2020 10:11 pm
Forum: Personal Investments
Topic: Does Fidelity offer ETFs equivalent to its mutual funds?
Replies: 9
Views: 991

Re: Does Fidelity offer ETFs equivalent to its mutual funds?

I’m wondering when t Rowe will launch their “hidden” asset ETFs.
by dru808
Fri Jun 12, 2020 2:18 pm
Forum: Personal Investments
Topic: Motif Accounts are Moving to Folio Investing
Replies: 17
Views: 952

Re: Motif Accounts are Moving to Folio Investing

David Jay wrote:
Fri Jun 12, 2020 11:56 am
Lastrun wrote:
Fri Jun 12, 2020 11:53 am
I suspect this happens with all of these fintechs and robos at some point. They either die or get acquired by the big boys.
Wanna bet M1 is next?
Do you think they’d keep the name and ui, if say fidelity acquired them?
by dru808
Sun Jun 07, 2020 8:29 pm
Forum: Personal Investments
Topic: What’s your largest single stock fund (active mgd)allocation in 401k?
Replies: 25
Views: 1394

Re: What’s your largest single stock fund (active mgd)allocation in 401k?

jeep5ter wrote:
Sun Jun 07, 2020 7:22 pm
PRWCX T Rowe Price Capital Appreciation. 38%
I’d plow money into this fund if it was open to retail investors.
by dru808
Sun Jun 07, 2020 8:20 pm
Forum: Personal Investments
Topic: What’s your largest single stock fund (active mgd)allocation in 401k?
Replies: 25
Views: 1394

Re: What’s your largest single stock fund (active mgd)allocation in 401k?

Wellington and vanguard dividend growth are a bit less than half of my us holdings. Edit, while not active managed I do own a good chunk of schd, Schwab US dividend equity etf and vigi, vanguard international dividend growth etf and fndc Schwab fundamental ex us small cap, the rest and majority of m...
by dru808
Fri Jun 05, 2020 8:56 pm
Forum: Personal Investments
Topic: TSP Investor: Timed the drop - getting back to normal AA
Replies: 9
Views: 706

Re: TSP Investor: Timed the drop - getting back to normal AA

Well you explained over analyzing and getting back in faster than you think. What’s the problem with setting your aa to whatever you want and transitioning Monday?
by dru808
Wed Jun 03, 2020 12:21 am
Forum: Personal Investments
Topic: Thoughts on International Growth Fund (VWIGX)
Replies: 9
Views: 852

Re: Thoughts on International Growth Fund (VWIGX)

I think the US dollar value has bounced off its ceiling meaning the ex-US market is going to close the gap slightly on the US market. Before you Bogleheads scold me, I'm not trying to time the market, its an observation I have made and simply want to rebalance and increase exposure. :wink: good luc...
by dru808
Sat May 30, 2020 2:34 pm
Forum: Investing - Theory, News & General
Topic: iShares 0-3 Month Treasury ETF
Replies: 16
Views: 1260

Re: iShares 0-3 Month Treasury ETF

Interesting I thought shv was close enough to a ultra minimal volatile asset. This compete with bil I’d assume. Gbil is another good minimal volatility holding.
by dru808
Fri May 29, 2020 12:19 pm
Forum: Personal Investments
Topic: Buying Voo - Robinhood or Vanguard?
Replies: 41
Views: 1774

Re: Buying Voo - Robinhood or Vanguard?

Nothing wrong with robinhood, I’d go with vanguard if you have 3k initially to invest, just buy vfinx and you don’t have to worry about buying fractional ETFs, and you can open a retirement account at a later date and have everything under one roof. any of the brokerages that offer all accounts woul...
by dru808
Wed May 27, 2020 12:53 pm
Forum: Personal Investments
Topic: VIG vs VYM ROTH IRA
Replies: 12
Views: 391

Re: VIG vs VYM ROTH IRA

Most would suggest adding more vti and ditching your dividend plan. If you were to add, “which I’m not suggesting” I’d go with vig, it’s not a high dividend fund but has a sorta “quality” component to it.
by dru808
Wed May 27, 2020 11:27 am
Forum: Personal Investments
Topic: What Funds-no more than 3- would you use in retirement.
Replies: 11
Views: 1185

Re: What Funds-no more than 3- would you use in retirement.

Wellesley & lifestrategy conservative and 3 years cash. 50/50 + cash
by dru808
Tue May 26, 2020 6:37 pm
Forum: Personal Investments
Topic: Fidelity HSA - 2 fund Vanguard or 2 fund fidelity ZERO fee?
Replies: 19
Views: 1093

Re: Fidelity HSA - 2 fund Vanguard or 2 fund fidelity ZERO fee?

Fidelity has a wide range of other, more traditional mutual funds that you can access in the HSA. I use the S&P 500 and EAFE funds. They also have total stock market and total international funds. I prefer using well-recognized indexes with accountability at negligible, immaterial expense ratios, s...
by dru808
Tue May 26, 2020 2:12 pm
Forum: Personal Consumer Issues
Topic: New TVs with built-in Roku
Replies: 51
Views: 2660

Re: New TVs with built-in Roku

bertilak wrote:
Tue May 26, 2020 2:10 pm
dru808 wrote:
Tue May 26, 2020 2:05 pm
not sure why you’d want to bypass to use your own external one.
Several reasons given above by me and others.
Saw that after I posted,
by dru808
Tue May 26, 2020 2:08 pm
Forum: Personal Consumer Issues
Topic: New TVs with built-in Roku
Replies: 51
Views: 2660

Re: New TVs with built-in Roku

You can bypass, though I am not sure why one would want to. Well in 5 years when the Rooku in your TV isn't powerful enough to run the new stuff, you want to upgrade. TV screens are probably good for 10-15 years these days. I wouldn't bet on any of the apps my TV comes with lasting that long. That'...
by dru808
Tue May 26, 2020 2:05 pm
Forum: Personal Consumer Issues
Topic: New TVs with built-in Roku
Replies: 51
Views: 2660

Re: New TVs with built-in Roku

We bought one in late 2017 with a built in roku. not sure why you’d want to bypass to use your own external one. It works great, we hadn’t even thought of using roku before buying the tv. One thing I did notice at first but is no longer a bother is the tv will take 4-5 seconds to boot up, it’s not l...
by dru808
Tue May 26, 2020 1:53 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 148
Views: 14462

Re: Pandemic buys that have improved quality of life?

Ordered a ninja foodi air fryer. Hasn’t been delivered but we think this will improve quality of life. :D
by dru808
Tue May 26, 2020 1:49 am
Forum: Personal Investments
Topic: Etrade vs Vanguard
Replies: 20
Views: 1531

Re: Etrade vs Vanguard

Buy at etrade, even if mutual funds arent’t ntf you can just buy the etf without charge. No point in moving. I believe the benefits you write of are slowly disappearing.
by dru808
Mon May 25, 2020 10:51 pm
Forum: Investing - Theory, News & General
Topic: New Morningstar Target Date Fund Rankings
Replies: 17
Views: 1469

Re: New Morningstar Target Date Fund Rankings

Morningstar obviously doesn’t use the same metrics that I would - cost, simplicity, and diversity. I shy away from funds that have more than a half-dozen components, ER’s > 0.20%, and don’t include total US, total international, total bond equivalents. My fiancée’s 401K plan only has TRP Target Dat...
by dru808
Mon May 25, 2020 9:11 pm
Forum: Investing - Theory, News & General
Topic: Fractional Investing
Replies: 22
Views: 1553

Re: Fractional Investing

phatpodo wrote:
Mon May 25, 2020 9:11 pm
What are the fees like for fractional investing?
No fees in the US, where available
by dru808
Mon May 25, 2020 8:45 pm
Forum: Investing - Theory, News & General
Topic: Fractional Investing
Replies: 22
Views: 1553

Re: Fractional Investing

I buy full and fractional share etf’s every Monday. I started at M1 before the big players even offered fractional or free trades.
by dru808
Mon May 25, 2020 7:57 pm
Forum: Investing - Theory, News & General
Topic: New Morningstar Target Date Fund Rankings
Replies: 17
Views: 1469

Re: New Morningstar Target Date Fund Rankings

I’m surprised the J.P. Morgan tr made the top of the list. Doesn’t Morningstar or Benz typically recommend vanguard or other index funds? I know the used to think highly of trowe although active.
by dru808
Mon May 25, 2020 3:40 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 5316
Views: 477726

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

FYI, I am 43 years old with two young children and trying to find a good way to invest my nest egg. I have not taking any risks in terms of investing in a business, but many of my friends have and I feel that since I have not taken the risk of investing in a business, I should lean towards investin...
by dru808
Sun May 24, 2020 11:23 pm
Forum: Investing - Theory, News & General
Topic: Will the US become like Japan?
Replies: 68
Views: 5350

Re: Will the US become like Japan?

It’s the only reason I invest in international equities. The possibility of a single country catastrophe happening, I don’t want international due to its recent performance, I believe in American exceptionalism, I think 100% US investors will likely end up with better returns in 20 years. I’m not ce...
by dru808
Sun May 24, 2020 7:59 pm
Forum: Investing - Theory, News & General
Topic: Why did you change your investing approach?
Replies: 36
Views: 2125

Re: Why did you change your investing approach?

The main change I made was in 2019, I got out of a diversified bond fund and went with treasury bonds. even with the expected return of treasuries being lower, during backtests with the amount of bonds I have the difference was minimal and the treasuries went up when equities took a hit. I decided I...
by dru808
Sun May 24, 2020 6:17 pm
Forum: Personal Consumer Issues
Topic: Advice? How to stop mud swallow nesting under the house eaves and walls?
Replies: 8
Views: 643

Re: Advice? How to stop mud swallow nesting under the house eaves and walls?

Never seen those, are those as hard to destroy as a wasp nest?
by dru808
Sun May 24, 2020 2:35 pm
Forum: Personal Consumer Issues
Topic: Mr cool DIY a/c
Replies: 2
Views: 609

Re: Mr cool DIY a/c

Lots of guys over on the Garage Journal forums have installed these. It's a popular topic. There's a section devoted to heating and a/c: https://www.garagejournal.com/forum/index.php Wow, that was what I hoped to obtain. They seem to think highly of the Mr Cool for the most part, I’m going for it. ...
by dru808
Sat May 23, 2020 11:13 pm
Forum: Personal Investments
Topic: Asset Allocation Dilemma – Contradicting Historical Data
Replies: 18
Views: 1243

Re: Asset Allocation Dilemma – Contradicting Historical Data

How about 75/25? right down the middle.

I too went through this, between 70/30-100/0, so I split it right down the middle at 85/15.
by dru808
Sat May 23, 2020 10:06 pm
Forum: Personal Consumer Issues
Topic: Mr cool DIY a/c
Replies: 2
Views: 609

Mr cool DIY a/c

Anyone here familiar with or own a Mr Cool diy split duct a/c? I’m thinking of going this route to cool approximately 700sf. It would save me a few thousand dollars over a Fujitsu professionally installed. It seems quite easy to install and comes pre-charged. I’d be doing the majority of the install...
by dru808
Sat May 23, 2020 6:50 pm
Forum: Personal Investments
Topic: Recommend a China-focused, risk-seeking fund
Replies: 31
Views: 1946

Re: Recommend a China-focused, risk-seeking fund

There was one brought up a couple time’s recently ,(Thomas china fund)?, don’t remember, it has done quite well compared to a broad China index. I’m sure someone will chime in about it. Edit: Matthews China fund. I believe this is the fund I’m thinking about https://us.matthewsasia.com/our-funds/f-6...
by dru808
Sat May 23, 2020 3:49 pm
Forum: Investing - Theory, News & General
Topic: How do the super-rich get their equity exposure?
Replies: 6
Views: 1016

Re: How do the super-rich get their equity exposure?

They probably aren’t concerned with getting market like returns, they likely want to protect principal so they aren’t concerned with just holding the s&p and total bond, it probably makes them happy knowing they are in a prestigious place with their banking and investments. Idk, I’d be happy with ba...
by dru808
Sat May 23, 2020 3:26 pm
Forum: Personal Investments
Topic: S&P ETF vs. Index - For a 'Young' Taxable Account
Replies: 10
Views: 707

Re: S&P ETF vs. Index - For a 'Young' Taxable Account

Just so you’re aware, fxaix is an index fund, any fund that tracks the s&p 500 index is an index fund. Is your question whether on not you should be in a more broad based index fund? I agree with the other posters, it’d be more tax efficient to hold an etf that tracks the s&p 500 or the total stock ...
by dru808
Sat May 23, 2020 2:45 pm
Forum: Personal Investments
Topic: Thoughts on Vanguard Global Wellington?
Replies: 12
Views: 655

Re: Thoughts on Vanguard Global Wellington?

Ch, ch-ay-na.
by dru808
Fri May 22, 2020 11:38 pm
Forum: Personal Investments
Topic: Has anyone ever used their Emergency Fund?
Replies: 92
Views: 7510

Re: Has anyone ever used their Emergency Fund?

The question seems to be written as if everyone has a separate account labeled "break glass in case of emergency!" We have an account with a bunch of cash. We use the account to get cash from the ATM, pay monthly bills, sometimes having higher bills such as when we decide to go on vacation, treat o...
by dru808
Fri May 22, 2020 10:39 pm
Forum: Personal Investments
Topic: Looking for a Roth IRA with rebalancing. (Hegdefundie adventure)
Replies: 19
Views: 1028

Re: Who do you use for your Roth IRA?

Vanguard and m1.

No other brokerage I know of has a rebalance button.
by dru808
Fri May 22, 2020 10:26 pm
Forum: Personal Investments
Topic: Why is my Vanguard VSTAX fund split into a a regular and (Cash) funds?
Replies: 16
Views: 2717

Re: Why is my Vanguard VSTAX fund split into a a regular and (Cash) funds?

Ours looks normal. However, their site just stopped recognizing our computer and sent a security code. You sure it’s not just mandatory 2fa? I’ve had to have a code sent the last 4-5 times I’ve logged in. Mandatory 2fa if they don’t recognize the computer. Haven’t had to since last year. Logged on ...
by dru808
Fri May 22, 2020 9:49 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett "Most People Shouldn't Pick Individual Stocks"
Replies: 36
Views: 2758

Re: Warren Buffett "Most People Shouldn't Pick Individual Stocks"

With due respect those 2 companies were solid and I did quite well investing in them in this basis :moneybag 8-) https://www.bogleheads.org/forum/viewtopic.php?f=1&t=258102 So what? It's worked for me in practice :D Back in the dark days when I was a stock picker I had some occasional winners too. ...
by dru808
Fri May 22, 2020 9:35 pm
Forum: Personal Investments
Topic: Strategy for selling single stock
Replies: 6
Views: 530

Re: Strategy for selling single stock

Are the stocks part of your retirement savings or for some other purpose? If they are for retirement, how close are you? They are not for retirement. They are more like "fun fund" but now not so "fun" anymore :shock: I am in mid 30s so still long way until retirement. Did you really forget to sell ...
by dru808
Fri May 22, 2020 9:23 pm
Forum: Personal Investments
Topic: Why is my Vanguard VSTAX fund split into a a regular and (Cash) funds?
Replies: 16
Views: 2717

Re: Why is my Vanguard VSTAX fund split into a a regular and (Cash) funds?

rkhusky wrote:
Fri May 22, 2020 4:36 pm
Ours looks normal. However, their site just stopped recognizing our computer and sent a security code.
You sure it’s not just mandatory 2fa? I’ve had to have a code sent the last 4-5 times I’ve logged in.
by dru808
Fri May 22, 2020 9:16 pm
Forum: Personal Investments
Topic: Thinking of selling some SP 500 to buy more Wells Fargo
Replies: 75
Views: 5441

Re: Thinking of selling some SP 500 to buy more Wells Fargo

SP 500 has risen so much while Wells Fargo Still near it’s 5 years time low with still 50% down. While the well Fargo will never go away, it’s a matter of time the stock goes back to $50 like couple if months ago? If not selling any SP 500, do you guy ms suggest to keep my current position and incr...
by dru808
Fri May 22, 2020 9:14 pm
Forum: Personal Investments
Topic: Thinking of selling some SP 500 to buy more Wells Fargo
Replies: 75
Views: 5441

Re: Thinking of selling some SP 500 to buy more Wells Fargo

I honestly wonder if this type of post is just a troll and should be ignored. Why should someone who hasn’t bothered to understand the orientation of the forum be taken seriously? +1, I can kinda understand a new member asking, the op has been a boglehead forum member for 4 years now. Thanks, again...
by dru808
Fri May 22, 2020 9:07 pm
Forum: Personal Investments
Topic: Thinking of selling some SP 500 to buy more Wells Fargo
Replies: 75
Views: 5441

Re: Thinking of selling some SP 500 to buy more Wells Fargo

frugalecon wrote:
Fri May 22, 2020 8:19 pm
I honestly wonder if this type of post is just a troll and should be ignored. Why should someone who hasn’t bothered to understand the orientation of the forum be taken seriously?
+1, I can kinda understand a new member asking, the op has been a boglehead forum member for 4 years now.
by dru808
Fri May 22, 2020 7:55 pm
Forum: Personal Consumer Issues
Topic: Should I pay $1,600 for this lawn care fix?
Replies: 56
Views: 5546

Re: Should I pay $1,600 for this lawn care fix?

I hate yardwork, therefore I’d pay if it bothered me, I just payed to have 600 sf of yard, irrigated, tilled & sod installed for $3000. Id go for it.
by dru808
Fri May 22, 2020 7:49 pm
Forum: Personal Investments
Topic: Thinking of selling some SP 500 to buy more Wells Fargo
Replies: 75
Views: 5441

Re: Thinking of selling some SP 500 to buy more Wells Fargo

You aren’t getting any confirmation to go for it here at bogleheads.
by dru808
Fri May 22, 2020 7:12 pm
Forum: Personal Investments
Topic: Has anyone ever used their Emergency Fund?
Replies: 92
Views: 7510

Re: Has anyone ever used their Emergency Fund?

I did have an emergency before I even thought about an efund. I was able to cover said emergency without an efund, had to sell stuff and found money in unexpected places, an efund would have eased that time considerably. That said, I do now have enough money that I don’t need a separate efund and wo...