Search found 2158 matches

by arcticpineapplecorp.
Wed Oct 18, 2017 8:18 pm
Forum: Investing - Theory, News & General
Topic: "Using Jack Bogle's own words against him when it comes to international investing"
Replies: 18
Views: 2129

Re: "Using Jack Bogle's own words against him when it comes to international investing"

It is not irrational to be a US only investor. So far, this has worked out well for investors. As a matter of philosophy and prudence, I choose to invest outside the borders of the United States. The thing is, my bark is worse than my bite as 28% of my stocks and 7% of my bonds are International. S...
by arcticpineapplecorp.
Mon Oct 16, 2017 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: LTI seeking assessment
Replies: 4
Views: 253

Re: LTI seeking assessment

Welcome, Does her 401 (k) have the option of a brokerage window? If so, this may give her better (lower er) funds. James There may be additional fees to do this however. My 457 has a self directed brokerage but the additional fees were not worth it for me, but I have low cost funds available in my ...
by arcticpineapplecorp.
Sun Oct 15, 2017 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: LTI seeking assessment
Replies: 4
Views: 253

Re: LTI seeking assessment

Long term married investor, both aged 40 VANGUARD His IRA = $16k VTSAX His ROTH = $48k VTSAX Her IRA = $22k VBTLX, $37k VTIAX, $125k VTSAX Her ROTH = $42k VTIAX, $22k VTSAX Total Vanguard = $312k = $211k VTSAX (68%), $79k VTIAX (25%), $22k VBTLX (7%) AMERICAN FUNDS Her 401k = $24k RICEX (Longterm),...
by arcticpineapplecorp.
Sun Oct 15, 2017 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: The theory seems irrelevant. How does one execute?
Replies: 23
Views: 1607

Re: The theory seems irrelevant. How does one execute?

I don't understand the comments about not checking your portfolio value every day. Everyone needs to do that when they can: you want to know if something changes without your knowledge (such as if you accounts were compromised.) I'm sure a high percentage of Bogleheads check their portfolios every ...
by arcticpineapplecorp.
Sun Oct 15, 2017 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Death Benefits
Replies: 5
Views: 725

Re: Social Security Death Benefits

sorry for your loss. the answer to your question is usually not, but it depends on if there's other income. found this on the web: Are Social Security Survivor Benefits for Children Taxable? Survivor benefits paid to a child are potentially taxable income. The taxability of the benefits is determine...
by arcticpineapplecorp.
Sun Oct 15, 2017 1:28 pm
Forum: Investing - Theory, News & General
Topic: A year of currency risk [Euro investers]
Replies: 4
Views: 433

Re: A year of currency risk [Euro investers]

the following is for U.S. Investors, but the sentiment is the same. Foreign currencies can sometimes help, sometimes hurt returns. check out these past posts: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=206800 https://www.bogleheads.org/forum/viewtopic.php?f=10&t=206786 Re: Are Internation...
by arcticpineapplecorp.
Sun Oct 15, 2017 12:58 pm
Forum: Investing - Theory, News & General
Topic: Which would you rather own: AAPL or S&P 600 Small Cap Index?
Replies: 57
Views: 3145

Re: Which would you rather own: AAPL or S&P 600 Small Cap Index?

i owned aapl for a long time - made a ton of money and paid off my mortgage. so glad i didnt go into an index fund. what a great ride. Never confuse outcome with strategy. Just because the outcome was good, doesn't mean the strategy was. Also, I'm assuming in order to have paid off the mortgage wit...
by arcticpineapplecorp.
Sat Oct 14, 2017 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Use wife's traditional IRA to pay off house?
Replies: 3
Views: 654

Re: Use wife's traditional IRA to pay off house?

can't say without knowing more info. You didn't say what the interest rate on the mortgage is and what the payoff date is. Also since we don't know your income situation and tax bracket we don't know if cashing out the trad IRA will push you into a higher tax bracket or not. Doesn't make sense to lu...
by arcticpineapplecorp.
Sat Oct 14, 2017 8:17 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11676

Re: 100% in bond to wait for market crash?

That's true, I saw one of the poster moved all the funds to 5 years CD which have 3% return. The problem is I don't want to be in CD for 5 years. Also the market looks like still have room to grow and not to the point aboutvto crash yet. I am still 95% to 97% stock, but I have some cash in checking...
by arcticpineapplecorp.
Sat Oct 14, 2017 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with current market (voo,vti)
Replies: 48
Views: 1968

Re: Need help with current market (voo,vti)

Totally agree with what you have to say, as I am only trying to avoid doing the wrong thing and just trying to do what 2 of the books say one by john bogle and other by whom I do not recall lets just say warren buffett is where he is because of that one book in particular. But yes I understand its ...
by arcticpineapplecorp.
Sat Oct 14, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 6870

Re: How long for hedonic adaptation to set in?

maybe read up on the Easterlin Paradox and Gilovich and Kumar's research and then you'll see it's better to spend money on experiences than things. In 2015, psychologists Thomas Gilovich and Amit Kumar published a review which demonstrated that "experiential purchases (such as vacations, concerts, a...
by arcticpineapplecorp.
Sat Oct 14, 2017 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with current market (voo,vti)
Replies: 48
Views: 1968

Re: Need help with current market (voo,vti)

Bond yield are also still at historic lows and when yield increases, bond prices drop. However, people have been saying that for 10 years and those that put everything in cash have missed out. Try putting 50% in stocks and 50% in bonds and then move bonds to stocks over the next year or so. Yes I r...
by arcticpineapplecorp.
Sat Oct 14, 2017 2:02 pm
Forum: Investing - Theory, News & General
Topic: Which would you rather own: AAPL or S&P 600 Small Cap Index?
Replies: 57
Views: 3145

Re: Which would you rather own: AAPL or S&P 600 Small Cap Index?

Four things: 1. Apple is a large company whereas small cap index is comprised of small companies by definition. So why compare whether I want apples or oranges (pun intended) 2. it's risk adjusted returns that matter. So even if AAPL outperformed something else (your benchmark is not consistent as s...
by arcticpineapplecorp.
Sat Oct 14, 2017 12:21 pm
Forum: Investing - Theory, News & General
Topic: Does market timing matter for long term investing?
Replies: 11
Views: 1058

Re: Does market timing matter for long term investing?

one other thing I forgot. Here's a fun game to play to see if you're smarter than the market:

https://www.prudential.com/personal/ins ... ends-game/

If you think you are, then see what happens when you try to beat the market with real money. let us know how it goes.
by arcticpineapplecorp.
Sat Oct 14, 2017 12:08 pm
Forum: Investing - Theory, News & General
Topic: Does market timing matter for long term investing?
Replies: 11
Views: 1058

Re: Does market timing matter for long term investing?

I am thinking of investing some money in stock market (standard 3 or 4 fund portfolio with 70/30 stock bonds split). But since the market is so high now, i was thinking that market might correct itself going forward. I was wondering if market timing matters for long term investments (5, 10 or more ...
by arcticpineapplecorp.
Fri Oct 13, 2017 9:30 pm
Forum: Investing - Theory, News & General
Topic: Gold ETF
Replies: 32
Views: 2946

Re: Gold ETF

sounds like you've made your mind up and done some research and thinking to make your decision. Hopefully, you've already read this link (below) but in case you haven't, it might be worth reading. It's Ben Carlson's "A History of Gold Returns". A short read. Enjoy. P.S. I don't own Gold and don't fi...
by arcticpineapplecorp.
Tue Oct 10, 2017 9:22 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11676

Re: 100% in bond to wait for market crash?

OP try your hand at the following: https://www.prudential.com/personal/insights/tools/market-trends-game/ If you can outsmart the market, then you don't need to ask us any questions. If you can't, decide on an allocation that matches your need to take risk, ability to take risk and willingness to ta...
by arcticpineapplecorp.
Mon Oct 09, 2017 8:58 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11676

Re: 100% in bond to wait for market crash?

The aphorism "Time in the market beats market timing." is true if you have enough time. You can find several posts that illustrate that investing at market peaks is profitable over the long run even if you only invest at market peaks. However, I don't recall any posts that illustrate how well you w...
by arcticpineapplecorp.
Mon Oct 09, 2017 7:52 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11676

Re: 100% in bond to wait for market crash?

100% in bond to wait for market crash? A buddy of mine did that two years ago. He's still waiting. Two years ago is a lot lower than now That's the point. Someone who got out of the market two years ago waiting for the "imminent crash" has really missed out on some opportunities to grow their porto...
by arcticpineapplecorp.
Mon Oct 09, 2017 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: admiral shares or investor shares?
Replies: 24
Views: 2917

Re: admiral shares or investor shares?

as livesoft said...there are no admiral shares for any vanguard target date funds, only investor shares. If you want lower cost admiral shares you'd have to roll your own portfolio using the same four funds (total US stock, total international stock, total US bond, total international bond), in the ...
by arcticpineapplecorp.
Mon Oct 09, 2017 7:22 pm
Forum: Investing - Theory, News & General
Topic: Probably a very simple investing principle but....
Replies: 22
Views: 1983

Re: Probably a very simple investing principle but....

have you done a search on bogleheads for lump sum vs. DCA? If not, you could start here:

viewtopic.php?t=101965

https://www.bogleheads.org/wiki/Dollar_cost_averaging

let us know what you think about those links.
by arcticpineapplecorp.
Mon Oct 09, 2017 7:11 pm
Forum: Investing - Theory, News & General
Topic: Buy when there's blood in the streets!
Replies: 39
Views: 6229

Re: Buy when there's blood in the streets!

I know it wasn't intended this way, but coming so soon after the Las Vegas Shooting and the all-to-often gun violence that seems to occur on a daily basis...perhaps we can start using a different metaphor?
by arcticpineapplecorp.
Mon Oct 09, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6336

Re: Asking for discounts

Can't see the video now, but the post reminds me of an episode of This American Life from a few years back where the host goes around asking for the "Good Guy Discount". He wanted to test if discounts are available simply by asking for them. Does asking work for you? good guy discount, this america...
by arcticpineapplecorp.
Sun Oct 08, 2017 8:23 pm
Forum: Investing - Theory, News & General
Topic: Is there a deadline to initiate a 401k distribution?
Replies: 11
Views: 770

Re: Is there a deadline to initiate a 401k distribution?

another reason for staying with the current/old 401k is because it has lower fees or better choices than the new 401k you'll be getting at your new job. Of course, you could also just roll the old 401k into a Rollover IRA and get the fees/fund offerings of your choice.
by arcticpineapplecorp.
Sun Oct 08, 2017 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall and advice
Replies: 45
Views: 3470

Re: Windfall and advice

don't forget to read the wiki "managing a windfall":

https://www.bogleheads.org/wiki/Managing_a_windfall
by arcticpineapplecorp.
Sun Oct 08, 2017 8:17 pm
Forum: Investing - Theory, News & General
Topic: BitConnect [Cryptocurrency]
Replies: 10
Views: 740

Re: BitConnect [Cryptocurrency]

P.S. I have no idea if the author of this web page knows anything, but it does suggest some red flags to look for and questions to ask. But as I said your wisest course of action is not to investigate further. The BitConnect scam exposed Wow, great site. The takeaway: They also offer a very generou...
by arcticpineapplecorp.
Sun Oct 08, 2017 6:34 pm
Forum: Investing - Theory, News & General
Topic: BitConnect [Cryptocurrency]
Replies: 10
Views: 740

Re: BitConnect [Cryptocurrency]

Thanks LadyGeek, I will read through the content. I understand the risks with BitCoin and other cryptocurrencies, but watching a friend of mine make what appears to be unrealistic returns for months on end is causing me to explore this a bit further. I would never invest/gamble more than a few % of...
by arcticpineapplecorp.
Sun Oct 08, 2017 4:37 pm
Forum: Investing - Theory, News & General
Topic: Is there a deadline to initiate a 401k distribution?
Replies: 11
Views: 770

Re: Is there a deadline to initiate a 401k distribution?

you wouldn't want to initiate following last day of employment , but rather following last pay received , right? I mean what if you stopped working on 10/6/17 but your final pay isn't until 10/27/17 (because you left in the middle of a pay period, end of period being 10/13/17). If there's another de...
by arcticpineapplecorp.
Sat Oct 07, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Closing Whole Life Insurance Question
Replies: 4
Views: 427

Re: Closing Whole Life Insurance Question

welcome to the forum. now that you realize that NWM did not have your best interest in mind because they sold you more expensive whole life insurance instead of term insurance, the question is are you still planning on staying with NWM? And if so, why? You say they're your "financial advisor" so I'm...
by arcticpineapplecorp.
Sat Oct 07, 2017 7:43 pm
Forum: Personal Consumer Issues
Topic: CC online purchase at BestBuy denied - related to recent credit freeze?
Replies: 22
Views: 1238

Re: CC online purchase at BestBuy denied - related to recent credit freeze?

I believe Clark Howard said that electronics tend to have a higher resale value than other items which is why they're involved in theft to a greater extent. Perhaps it had something to do with that?
by arcticpineapplecorp.
Sat Oct 07, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Bogle-oriented financial advisor in my area
Replies: 13
Views: 1199

Re: Bogle-oriented financial advisor in my area

Hi. I've been reading Bogle and Bogle-influenced authors for a couple of years. Have a fair amount tucked away and am on the verge of retirement. Until a couple of years ago I paid no attention to what my money was doing. Since most (but not all) is in Fidelity I have been assigned a Fidelity advis...
by arcticpineapplecorp.
Sat Oct 07, 2017 3:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's long-term outlook for TIPS
Replies: 92
Views: 6931

Re: Vanguard's long-term outlook for TIPS

FWIW, this Rick Ferri article recommended TIPS be 20% of one's fixed income, not 50%:

https://portfoliosolutions.com/latest-l ... /tips-tips
by arcticpineapplecorp.
Fri Oct 06, 2017 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Advisors?
Replies: 6
Views: 514

Re: Advisors?

welcome to the forum! you can start here: https://www.etf.com/docs/IfYouCan.pdf It's William Bernstein's free book/pamphlet 16 pages long. Will tell you much of what you'll need to know. Though that book doesn't go into taxable vs. tax advantaged. It assumes for most, they aren't even maxing out all...
by arcticpineapplecorp.
Tue Oct 03, 2017 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard clients are more likely to...laugh, cuddle, etc. compared with clients of other investment firms
Replies: 2
Views: 545

Vanguard clients are more likely to...laugh, cuddle, etc. compared with clients of other investment firms

interesting claims, but apparently a survey shows Vanguard clients are: 18% more likely to cuddle with their partner (compared with clients of other investment firms) 15% more likely to explore mutual hobbies and interests together 11% more likely to laugh with their partners 6 hours per week (the m...
by arcticpineapplecorp.
Tue Oct 03, 2017 5:52 pm
Forum: Investing - Theory, News & General
Topic: Deflation Hedge: I Can't Convince Myself to Do It
Replies: 8
Views: 860

Re: Deflation Hedge: I Can't Convince Myself to Do It

if/when we have deflation your cash will become more valuable. How much do you have in cash? I'd assume you have like most 5-10% in cash. If so, you'll be able to buy more with it because prices will fall during deflation.
by arcticpineapplecorp.
Sun Oct 01, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Question on free credit report/monitoring from Experian
Replies: 3
Views: 485

Re: Question on free credit report/monitoring from Experian

credit monitoring is leaving the barn door open. You only get notified AFTER a problem's occurred. credit freeze PREVENTS anyone (including you, until you temporarily thaw) from getting credit under your name/ssn, etc. which sounds better to you? If you're worried about others access your credit, wh...
by arcticpineapplecorp.
Sat Sep 30, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: Amazon Fresh & the value of your time
Replies: 25
Views: 2734

Re: Amazon Fresh & the value of your time

My coworker uses it and loves it...but he has two youngins and both he and his wife work full time. So we had a lengthy talk about the value of their time and they thought it was definitely worth it. He also admitted he's only able to get about 85% of his shopping that way and still has to go to a p...
by arcticpineapplecorp.
Sat Sep 30, 2017 8:56 am
Forum: Investing - Theory, News & General
Topic: Portfolio Rebalancing
Replies: 8
Views: 545

Re: Portfolio Rebalancing

there have been posts before (https://www.bogleheads.org/forum/viewtopic.php?p=1142562#p1142562) that show it can take quite a big move to actually trigger or breach a rebalancing band. Post by JimInIllinois » Mon Aug 08, 2011 10:03 pm The higher your stock allocation the more stocks have to drop to...
by arcticpineapplecorp.
Fri Sep 29, 2017 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Fisher Investments?
Replies: 18
Views: 2326

Re: Fisher Investments?

hear it from the horse's mouth:

http://ritholtz.com/2015/12/masters-in- ... vestments/

learn why Ken Fisher hates annuities (and you should to).
by arcticpineapplecorp.
Mon Sep 25, 2017 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard charged me $140 in service fees
Replies: 31
Views: 5568

Re: Vanguard charged me $140 in service fees

Can I ask why you have 7 funds that each have less than $10,000 in them ($20 annual fee X 7 funds = $140 in fees)? Can I also ask what the 7 funds are that you are invested in? I'm only asking because I assume you're overcomplicating things, especially in lieu of the small balances in each of the fu...
by arcticpineapplecorp.
Mon Sep 25, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA question
Replies: 8
Views: 430

Re: Roth IRA question

maybe you don't understand what you own? Pajamas said you have the total stock market index fund (U.S.) in addition to the other funds (total international stock, total U.S. bond and total international bond). Let's break down what's actually in the total stock market index fund (U.S.): the total st...
by arcticpineapplecorp.
Mon Sep 25, 2017 10:45 am
Forum: Investing - Theory, News & General
Topic: fat-finger trades
Replies: 12
Views: 1293

Re: fat-finger trades

should you worry about it? the exchanges haven't. or rather, they've already got a procedure in place for such eventualities. Now if the trader in error doesn't correct within the established timeframes, then it's his/her lesson from which to learn. After all, what's the point in having rules if we'...
by arcticpineapplecorp.
Mon Sep 25, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: fat-finger trades
Replies: 12
Views: 1293

Re: fat-finger trades

I've been reading up on some of the worst fat finger trades in history.. millions or billions of dollars lost due to just an accidental error of typing in the wrong price or hitting the wrong button. My question is can these trades be reversed? Obviously, someone wouldn't mean to sell 1,000 shares ...
by arcticpineapplecorp.
Sun Sep 24, 2017 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Help?! My 70 year old father is 100% invested in equities
Replies: 79
Views: 7299

Re: Help?! My 70 year old father is 100% invested in equities

I think your Dad is 100% correct. I especially agree with his conclusions about bonds. I am 70 and in a similar situation as he is. I can't tolerate risk the way he can but I wish I could. If he can sleep at night, and obviously he can, then 100% equities is the wisest allocation for him. but he ca...
by arcticpineapplecorp.
Sun Sep 24, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Help?! My 70 year old father is 100% invested in equities
Replies: 79
Views: 7299

Re: Help?! My 70 year old father is 100% invested in equities

Well, I'm glad my question has triggered such a wide-ranging conversation! Two thoughts I'll flag: (1) After so many comments about whether my dad would have the fortitude to stick with with his 100% AA in bad times, it occurred to me that I think I recall him saying a few years back that during th...
by arcticpineapplecorp.
Sun Sep 24, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse Money Management
Replies: 94
Views: 6146

Re: Spouse Money Management

She believes that after you spend "what you need to" on necessities and spend "a little" on discretionary, you should save the rest. Good responses everyone. Difficult situation with no easy answers, like many situations in life. If your quote above is truly what she believes, then I ask you to hav...
by arcticpineapplecorp.
Sun Sep 24, 2017 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Help?! My 70 year old father is 100% invested in equities
Replies: 79
Views: 7299

Re: Help?! My 70 year old father is 100% invested in equities

he may not change, but does he understand the impact of a 1% fee for the next 30 years of his life (may he live to be that long if not longer)? Until one has all available information, one is making a choice, but not an informed choice. So I hope you will share the following link with him if he is n...
by arcticpineapplecorp.
Sat Sep 23, 2017 9:40 pm
Forum: Investing - Theory, News & General
Topic: a really beginner question [Why are the fund prices different?]
Replies: 11
Views: 1360

Re: a really beginner question [Why are the fund prices different?]

I just started a Vanguard account. Today I looked at one ETF VXUS and one mutual fund VGTSX. Essentially they are the same fund but different share class. But one thing confused me. On the Vanguard information page, the price of VGTSX is listed $17.60 while the price of VXUS is listed $54.84. If th...
by arcticpineapplecorp.
Sat Sep 23, 2017 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Move 401(k) to IRA after retirement?
Replies: 27
Views: 1894

Re: Move 401(k) to IRA after retirement?

I have been retired a couple years, and have kept my 401(k) at Fidelity. I am invested pretty aggressive (92/8) and know I need to change my target mix, albeit has been fun getting the current high returns. Right now I am guessing that I am just paying for expense ratios that I am invested in; of c...
by arcticpineapplecorp.
Sat Sep 23, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: Please Offer a Gold ETF
Replies: 95
Views: 5067

Re: Vanguard: Please Offer a Gold ETF

OP have you read this: http://awealthofcommonsense.com/2015/07/a-history-of-gold-returns/ If not, what do you think about Gold, now? There's nothing new to me in that article. I expect a real return of close to zero over time, I expect it to be a bit more volatile than stocks, and I expect it to ha...