Search found 276 matches

by dru808
Fri Jan 24, 2020 9:57 pm
Forum: Investing - Theory, News & General
Topic: How Did 2001-2002 and 2007-2008 Influence Your Investing Philosophy? Or Did It?
Replies: 47
Views: 1680

Re: How Did 2001-2002 and 2007-2008 Influence Your Investing Philosophy? Or Did It?

Important to remember that if the market drops by 50%, your bonds at minimum hold their value as stocks collapse so what used to be 60/40 when it started is now 30/40, a bond heavy portfolio with a higher percentage of safe assets going forward. It works as long as you can make living expenses with...
by dru808
Fri Jan 24, 2020 8:21 pm
Forum: Investing - Theory, News & General
Topic: How Did 2001-2002 and 2007-2008 Influence Your Investing Philosophy? Or Did It?
Replies: 47
Views: 1680

Re: How Did 2001-2002 and 2007-2008 Influence Your Investing Philosophy? Or Did It?

I wasn’t investing at the time. I think about it often. I think to myself 2000-2002 would be worse than 2008, 3 years of negative returns. Which was worse for you people that went through both? I'm 53, and this answer will reflect my core Boglehead sin, though I'm entirely on board with low cost in...
by dru808
Fri Jan 24, 2020 5:14 pm
Forum: Investing - Theory, News & General
Topic: How Did 2001-2002 and 2007-2008 Influence Your Investing Philosophy? Or Did It?
Replies: 47
Views: 1680

Re: How Did 2001-2002 and 2007-2008 Influence Your Investing Philosophy? Or Did It?

The US-led dot.com crash 2001-02 along with both employer plan and my favorite fund family rolling out international funds during that period influenced me to go global market cap on equity and I've never looked back. That's about the only major change I've made to my IPS 1986 to date. Seeing what ...
by dru808
Fri Jan 24, 2020 5:08 pm
Forum: Investing - Theory, News & General
Topic: How Did 2001-2002 and 2007-2008 Influence Your Investing Philosophy? Or Did It?
Replies: 47
Views: 1680

Re: How Did 2001-2002 and 2007-2008 Influence Your Investing Philosophy? Or Did It?

I wasn’t investing at the time. I think about it often. I think to myself 2000-2002 would be worse than 2008, 3 years of negative returns. Which was worse for you people that went through both?
by dru808
Thu Jan 23, 2020 10:34 pm
Forum: Personal Investments
Topic: Doe anyone make money with bonds?
Replies: 37
Views: 4223

Re: Doe anyone make money with bonds?

People investing in fagix are making money on bonds.
by dru808
Thu Jan 23, 2020 8:08 pm
Forum: Investing - Theory, News & General
Topic: Three Fund Vs Butterfly Fund or other
Replies: 138
Views: 8673

Re: Three Fund Vs Butterfly Fund or other

Lee_WSP wrote:
Thu Jan 23, 2020 3:18 pm
dru808 wrote:
Wed Jan 22, 2020 4:58 pm
What does gold do that long or extended treasuries dont?
Go up when both treasuries & stocks sink. Treasuries & stocks are uncorrelated, not negatively correlated.
What type of environment? Rising interest rates and stocks tanking at the same time?
by dru808
Wed Jan 22, 2020 4:58 pm
Forum: Investing - Theory, News & General
Topic: Three Fund Vs Butterfly Fund or other
Replies: 138
Views: 8673

Re: Three Fund Vs Butterfly Fund or other

What does gold do that long or extended treasuries dont?
by dru808
Wed Jan 22, 2020 2:46 pm
Forum: Investing - Theory, News & General
Topic: ETF to Hold for 50 Years
Replies: 69
Views: 4523

Re: ETF to Hold for 50 Years

I’m actually surprised vanguard doesn’t have a lifestrategy etf. Vt/bndw
by dru808
Wed Jan 22, 2020 1:20 pm
Forum: Investing - Theory, News & General
Topic: ETF to Hold for 50 Years
Replies: 69
Views: 4523

Re: ETF to Hold for 50 Years

Edit: etf.? Vt
by dru808
Tue Jan 21, 2020 8:50 pm
Forum: Personal Investments
Topic: How much to hold in international equities (VTIAX)?
Replies: 244
Views: 13427

Re: How much to hold in international equities (VTIAX)?

Razasharpz wrote:
Sun Jan 19, 2020 10:28 am
I do 20%. I would never consider more. If anything I'd go less.
Well, you’d better cut down. According to your sig you’re higher than a 20% int equity allocation.
by dru808
Tue Jan 21, 2020 2:57 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 2338
Views: 188659

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

Is anyone still in or has joined in on the moto 43/57 upro/edv variant? I'm still in it. Did you do exactly 43/57? I’m considering this but wonder how much more volitility I’d be in store with a 45/55 aa. I’d be at 135/55 as opposed to 129/57. Does anyone think it would be game changing doing this ...
by dru808
Tue Jan 21, 2020 12:31 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 2338
Views: 188659

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

Is anyone still in or has joined in on the moto 43/57 upro/edv variant?
by dru808
Mon Jan 20, 2020 4:47 pm
Forum: Personal Investments
Topic: Vanguard Total Market ETFs - no govt securities?
Replies: 6
Views: 422

Re: Vanguard Total Market ETFs - no govt securities?

Maybe you’re thinking they’re missing tips?
by dru808
Mon Jan 20, 2020 4:36 pm
Forum: Personal Investments
Topic: How much to hold in international equities (VTIAX)?
Replies: 244
Views: 13427

Re: How much to hold in international equities (VTIAX)?

25% growth, 25% growth & income, 25% aggressive growth, 25% international. We found Dave Ramsey's burner account. :mrgreen: I loved Dave for his debt philosophy but soured on him a bit with how defensive he gets on investing, despite not being able to answer questions on a detailed level. All he ev...
by dru808
Mon Jan 20, 2020 3:54 pm
Forum: Personal Investments
Topic: How much to hold in international equities (VTIAX)?
Replies: 244
Views: 13427

Re: How much to hold in international equities (VTIAX)?

25% growth, 25% growth & income, 25% aggressive growth, 25% international. We found Dave Ramsey's burner account. :mrgreen: I loved Dave for his debt philosophy but soured on him a bit with how defensive he gets on investing, despite not being able to answer questions on a detailed level. All he ev...
by dru808
Mon Jan 20, 2020 2:10 pm
Forum: Personal Investments
Topic: How much to hold in international equities (VTIAX)?
Replies: 244
Views: 13427

Re: How much to hold in international equities (VTIAX)?

watchnerd wrote:
Mon Jan 20, 2020 12:23 pm
dru808 wrote:
Mon Jan 20, 2020 11:15 am
25% growth, 25% growth & income, 25% aggressive growth, 25% international.
LOL....I can't even tell what the middle two mean.....
Large cap value, small cap growth
by dru808
Mon Jan 20, 2020 11:15 am
Forum: Personal Investments
Topic: How much to hold in international equities (VTIAX)?
Replies: 244
Views: 13427

Re: How much to hold in international equities (VTIAX)?

25% growth, 25% growth & income, 25% aggressive growth, 25% international.
by dru808
Mon Jan 20, 2020 11:08 am
Forum: Personal Investments
Topic: Betterment vs. Vanguard/Fidelity for IRA
Replies: 2
Views: 207

Re: Betterment vs. Vanguard/Fidelity for IRA

Well, the market could have a crash while you transfer. I just moved a sep to m1, although the transfer takes 2 weeks the old brokerage didn’t take my money out of the market until the day before the transfer finalized. They sold some and in kind transferd some etfs on a Friday my money and etfs wer...
by dru808
Sat Jan 18, 2020 6:34 pm
Forum: Personal Investments
Topic: Where do you keep your Emergency Funds? How is it invested?
Replies: 139
Views: 10491

Re: Where do you keep your Emergency Funds? How is it invested?

It’s over $6k and growing. It’s more than 3 months of mortgage payments. It’s my only emergency fund. I have money in bsv but don’t consider it an emergency fund more of a general savings fund. How long did it take to get to $6k? $6k for us is about 6 weeks of living expense (everything -- food, pr...
by dru808
Sat Jan 18, 2020 6:23 pm
Forum: Personal Investments
Topic: Where do you keep your Emergency Funds? How is it invested?
Replies: 139
Views: 10491

Re: Where do you keep your Emergency Funds? How is it invested?

Couple thousand in physical cash $1 bills and a few thousand in change. Always use bills to buy, never use change, never use $1 bills. Easiest way to build up an emergency fund without even thinking about it. Sounds like a spare change jar. That's not going to be much money, in terms of living expe...
by dru808
Sat Jan 18, 2020 4:30 pm
Forum: Personal Investments
Topic: MM equivalent ETFs..
Replies: 13
Views: 1887

Re: MM equivalent ETFs..

Why are there no money market etfs? Australia has mm etfs.
by dru808
Sat Jan 18, 2020 4:14 pm
Forum: Personal Investments
Topic: Portfolio Review - Help! I need to simplify (and improve) FA's plan
Replies: 5
Views: 630

Re: Portfolio Review - Help! I need to simplify (and improve) FA's plan

It doesn’t look horribly complicated. You could swap the bond funds for total bond, swap the domestic stock holdings with total stock market. I know bogleheads are mostly against high yield bonds, but I like a bit of em, and the fidelity capital and income fund has been on a tear since the manager t...
by dru808
Sat Jan 18, 2020 3:08 pm
Forum: Personal Investments
Topic: Where do you keep your Emergency Funds? How is it invested?
Replies: 139
Views: 10491

Re: Where do you keep your Emergency Funds? How is it invested?

Couple thousand in physical cash $1 bills and a few thousand in change. Always use bills to buy, never use change, never use $1 bills. Easiest way to build up an emergency fund without even thinking about it.
by dru808
Sat Jan 18, 2020 2:26 pm
Forum: Personal Investments
Topic: M1 Finance and Paul Merriman's Portfolios
Replies: 6
Views: 569

Re: M1 Finance and Paul Merriman's Portfolios

I haven’t used one of the pre configured portfolios but was under the assumption you could click on a m1 link of the portfolio and it would pop up configured. Have you visited his site, click on portfolio, log in when directed to m1.
by dru808
Sat Jan 18, 2020 2:18 pm
Forum: Personal Investments
Topic: IRA [Help to select an IRA fund]
Replies: 5
Views: 253

Re: IRA [Help to select an IRA fund]

Sralex wrote:
Sat Jan 18, 2020 11:27 am
One fund solution for IRA preferably vanguard fund for me I am new at this
We need quite a bit more information. Age, current investments, time to retire, your belief in active management.

As a really generic recommendation, one of the vanguard lifestrategy funds or Wellington
by dru808
Thu Jan 16, 2020 7:52 pm
Forum: Personal Investments
Topic: How much to hold in international equities (VTIAX)?
Replies: 244
Views: 13427

Re: How much to hold in international equities (VTIAX)?

I had a hard time intentionally putting international into my portfolio. It was fine when my main holding was lifestrategy and I took what what was given. Once I sliced n diced I had a hard time including int. started at 5% and slowly crept it to 20% over the course of 3 months. I don’t really want ...
by dru808
Wed Jan 15, 2020 4:50 pm
Forum: Investing - Theory, News & General
Topic: Do you like CHEAP active funds? Which ones?
Replies: 21
Views: 1338

Re: Do you like CHEAP active funds? Which ones?

Wellington, Wellesley, Dividend growth. I hold Wellington and dividend growth
by dru808
Wed Jan 15, 2020 10:45 am
Forum: Personal Investments
Topic: Investing in M1... yay/nay?
Replies: 14
Views: 1351

Re: Investing in M1... yay/nay?

Deposits on the other hand usually clear next business day so can't complain. One strange thing I have noticed when depositing is that the funds will clear and will be on M1, but it sometimes takes my bank account 2-3 days to reflect that. Maybe it's an issue on the bank end who knows. Same here, i...
by dru808
Wed Jan 15, 2020 2:19 am
Forum: Personal Investments
Topic: Investing in M1... yay/nay?
Replies: 14
Views: 1351

Re: Investing in M1... yay/nay?

Iorek wrote:
Tue Jan 14, 2020 9:10 pm
I was torn being trying to understand how you invest in money supply and if it would be a good idea if you could.
Lol, good 1
by dru808
Wed Jan 15, 2020 2:11 am
Forum: Personal Investments
Topic: Investing in M1... yay/nay?
Replies: 14
Views: 1351

Re: Investing in M1... yay/nay?

I transferred an account to them, love it.
by dru808
Wed Jan 15, 2020 1:55 am
Forum: Personal Investments
Topic: Paul Merriman's 2-fund portfolio: Suggestions for small-cap funds
Replies: 16
Views: 3298

Re: Paul Merriman's 2-fund portfolio: Suggestions for small-cap funds

It's not worth following his advice, IMHO, since as others have mentioned, he constantly switches recommendations based on cherry-picked past returns. For years he was dismissive of Jack Bogle, implying he was misguided for recommending US total market and bond investing, and he used past returns o...
by dru808
Mon Jan 13, 2020 1:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard High Dividend Yield Index Fund
Replies: 17
Views: 2164

Re: Vanguard High Dividend Yield Index Fund

I do, the etf, not necessarily for high dividends it’s more valuey than vtv. I have no complaints
by dru808
Sun Jan 12, 2020 9:58 pm
Forum: Personal Investments
Topic: Ready to invest in the stock market for the first time in my life
Replies: 95
Views: 5276

Re: Ready to invest in the stock market for the first time in my life

I'm taking a break right now guys from answering responses to just write a bit... I think what this all comes down to is that for me, personally, it is very very hard to admit that I am not able to beat the market by investing in individual stocks... that is a very difficult thing for me to digest,...
by dru808
Sun Jan 12, 2020 9:04 pm
Forum: Personal Investments
Topic: Ready to invest in the stock market for the first time in my life
Replies: 95
Views: 5276

Re: Ready to invest in the stock market for the first time in my life

If you think amazon is gonna secure your retirement go for it. :sharebeer My college financial class made me pick stocks in March of 2001 for my financial portfolio. I decided to invest 25k in amazon at $10.13 per share. We were not actually investing in the real market. I wish I had invested in th...
by dru808
Fri Jan 10, 2020 8:06 pm
Forum: Investing - Theory, News & General
Topic: Intermediate-Term bond vs Total Bond
Replies: 107
Views: 6337

Re: Intermediate-Term bond vs Total Bond

I did the backtesting when contemplating intermediate term bond and total bond, intermediate won everytime. The thing about int bond is it only holds int bonds. Total bond holds bonds from short to intermediate to long term. I feel it’s a better diversified fund, it’s like going 1/3 short, int, long...
by dru808
Thu Jan 09, 2020 9:33 pm
Forum: Personal Investments
Topic: Boglehead-esque [Portfolio Review]
Replies: 21
Views: 1032

Re: Boglehead-esque [Portfolio Review]

This gets complicated with why it is in a taxable account as my wife doesn't really believe in investing other than retirement funds so it is staying in the taxable account. (Not even worth getting into). One possibility is switching out the total bond fund IUSB for a Blackrock Municipal Bond fund ...
by dru808
Thu Jan 09, 2020 9:29 pm
Forum: Personal Investments
Topic: Where do you keep your Emergency Funds? How is it invested?
Replies: 139
Views: 10491

Re: Where do you keep your Emergency Funds? How is it invested?

Checking account 1-2 months

Bsv for the rest of “savings”, it’s got a years worth if one of us were unemployed and really bit down on budgeting. we don’t categorize it as an emergency fund.
by dru808
Thu Jan 09, 2020 9:24 pm
Forum: Personal Investments
Topic: Where do you keep your Emergency Funds? How is it invested?
Replies: 139
Views: 10491

Re: Where do you keep your Emergency Funds? How is it invested?

We have 100% of our emergency fund (6mo + 25%) invested in the Vanguard Tax-Managed Balanced (VTMFX) fund. We have the 25% buffer in place to account for any dips in the market. This last year, we were able to use the gains realized in the account to help fund a car down-payment with minimal tax im...
by dru808
Wed Jan 08, 2020 8:00 pm
Forum: Personal Investments
Topic: Does anyone own FSDAX Defense fund?
Replies: 34
Views: 1501

Re: Does anyone own FSDAX Defense fund?

I was asking really if anyone had this fund. Not to be made fun of. I don't think anyone is making fun of you. I think that they, and I, are simply throwing our hands up. It's been explained to you in numerous threads the Boglehead philosophy. Yesterday afternoon you stated you were sticking with f...
by dru808
Wed Jan 08, 2020 1:22 am
Forum: Investing - Theory, News & General
Topic: My Wishlist for Vanguard
Replies: 72
Views: 4928

Re: My Wishlist for Vanguard

Freefun wrote:
Mon Jan 06, 2020 5:05 pm
I’d like VG to outsource their IT to Schwab.
Lol 😂
by dru808
Wed Jan 08, 2020 1:17 am
Forum: Investing - Theory, News & General
Topic: My Wishlist for Vanguard
Replies: 72
Views: 4928

Re: My Wishlist for Vanguard

I’d like fractional etf shares myself.

I’d like to see them lower the minimums for funds for new investors, not all but the tr/ls funds. sheesh, all index mutual funds.
by dru808
Wed Jan 08, 2020 12:53 am
Forum: Investing - Theory, News & General
Topic: Are short term bond funds more liquid than Intermediate, long, etc?
Replies: 12
Views: 853

Re: Are short term bond funds more liquid than Intermediate, long, etc?

If your current balance in a mutual fund is $10k, then you will get $10k if you sell that day. BUT If you invest $10k in a fund, there is no guarantee that tomorrow it will still be worth $10k. Might be more, might be less, might be the same. If we're talking about an ultra-short term Treasury fund...
by dru808
Wed Jan 08, 2020 12:48 am
Forum: Personal Investments
Topic: [Where should I invest after maxing retirement accounts?]
Replies: 24
Views: 1840

Re: What's next?

Taxable account. I hold the majority of my assets in a taxable account, still tax efficient. (the key is what you hold and in which account) Some funds are better held in tax exempt, however I do hold stocks and bonds in my taxable account. For bonds in taxable, I hold high yield tax exempt. I woul...
by dru808
Wed Jan 08, 2020 12:44 am
Forum: Personal Investments
Topic: What to do with cash?
Replies: 14
Views: 1884

Re: What to do with cash?

I'm no expert in real estate so I won't go there. However, if your question is what to do with cash on hand not doing anything and you have cars that are unpaid, even with zero interest, that's an easy place to increase your net worth. If you don't want to commit to stocks, mutual funds etc. just d...
by dru808
Tue Jan 07, 2020 9:07 pm
Forum: Investing - Theory, News & General
Topic: Odds that Fidelity starts charging an ER for their Zero funds in the future?
Replies: 37
Views: 2168

Re: Odds that Fidelity starts charging an ER for their Zero funds in the future?

SlowMovingInvestor wrote:
Tue Jan 07, 2020 7:57 pm
Notable that Fido doesn't have a zero bond index fund. I wonder why not ?
No need to at the moment, get people in with the zero fee large cap fund and they’ll gladly pay for an index bond fund, maybe sprinkle in a lil contrafund, a lil otc fund and some technology fund.
by dru808
Tue Jan 07, 2020 2:31 pm
Forum: Personal Investments
Topic: M1 prior year contribution.
Replies: 4
Views: 297

Re: M1 prior year contribution.

I like M1 but I would be very hesitant to use them for any kind of complicated accounts or transactions. Have you tried emailing their customer service? Yes, just spoke with them. The year pull down is only for t and Roth IRAs not for SEP’s. They will report 2020 and I will just fill out form 5498 ...
by dru808
Tue Jan 07, 2020 2:28 pm
Forum: Personal Investments
Topic: M1 prior year contribution.
Replies: 4
Views: 297

Re: M1 prior year contribution.

snailderby wrote:
Tue Jan 07, 2020 12:53 pm
Yup. When I hit the Deposit button for my Roth IRA, there was an option to select the contribution year (current or past year).
Thank you, current year shows for all sep contributions, I thought I was going crazy. Cleared it up. thank you for letting me know
by dru808
Tue Jan 07, 2020 12:02 am
Forum: Personal Investments
Topic: Low income Roth over contribution
Replies: 3
Views: 217

Re: Low income Roth over contribution

Not sure where you are holding it at. You want to tell them to either take it out or put it to the next year 2020 - they should help you figure the earnings. You do not have enough in earnings to split it to a traditional IRA. Avoid the Penalty If you remove an excess contribution by your tax filin...