Search found 524 matches

by CantPassAgain
Sun Jun 10, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 141
Views: 20215

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

I'm not sure why either. I've been trying to understand for nearly a year on this forum. The minds on this forum are very bright, much smarter than me. I have learned a ton in a short time. But people on here will insist to invest in inferior assets by nearly every single metric except liquidity. T...
by CantPassAgain
Sat Jun 09, 2018 8:32 am
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 141
Views: 20215

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

I'm not sure why either. I've been trying to understand for nearly a year on this forum. The minds on this forum are very bright, much smarter than me. I have learned a ton in a short time. But people on here will insist to invest in inferior assets by nearly every single metric except liquidity. T...
by CantPassAgain
Thu Jun 07, 2018 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: which vanguard funds for my situation?
Replies: 7
Views: 527

Re: which vanguard funds for my situation?

I've read through most of the wiki here and found no specific recommendation of the mutual funds to pick in vanguard. I have about 33k in a Roth IRA, 29 years old, like to retire at 50, not very risk averse. Right now all my money is in the 2055 retirement fund. I'm wondering if there's a better al...
by CantPassAgain
Thu Jun 07, 2018 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Help me pick my vanguard investment
Replies: 39
Views: 1729

Re: Help me pick my vanguard investment

Maybe you need to back up and examine why you want the "highest possible return," and understand that higher return always means higher risk of not getting those returns and falling short of your goals. Shooting for the moon is great when you win. When you lose it can be ruinous. It seems like you w...
by CantPassAgain
Thu Jun 07, 2018 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Help me pick my vanguard investment
Replies: 39
Views: 1729

Re: Help me pick my vanguard investment

That answers a question, but SCV is not a choice for me. The 4 funds listed are the choice so if you had to pick the most aggressive package using only the 4 funds what would it be? I know this is only an educated opinion, not gospel. Is 100% small cap index close enough to value? Probably. Just kn...
by CantPassAgain
Thu Jun 07, 2018 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Help me pick my vanguard investment
Replies: 39
Views: 1729

Re: Help me pick my vanguard investment

I know using past performance to predict the future is almost a no no but doesn't 20 years worth of data have to count for something? It's not like a new fund is made 2 years ago and makes large amounts of interest in that time on a hot sector fund and you jump on it when the money is already been ...
by CantPassAgain
Wed Jun 06, 2018 6:11 pm
Forum: Investing - Theory, News & General
Topic: Just added bonds to portfolio
Replies: 44
Views: 2939

Re: Just added bonds to portfolio

I'm getting married next month and last week the fiancee and I decided to set a combined investment plan. Up until recently, we had just been investing in 100% equities with no real plan, and decided that it might be smart to move to a 50% domestic stock (VTSAX), 35% international stock (VTIAX), 15...
by CantPassAgain
Wed Jun 06, 2018 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Should I put some money aside in money market for market correction
Replies: 94
Views: 6646

Re: Should I put some money aside in money market for market correction

Great point. In January the S&P edged higher than it is today, so the dollar cost averagers essentially made nothing since the market corrected their January/early February injections. So if you put money aside for the correction instead and purchased on March 23rd, you would be up 7.1% or 34.61% a...
by CantPassAgain
Wed Jun 06, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Should I put some money aside in money market for market correction
Replies: 94
Views: 6646

Re: Should I put some money aside in money market for market correction

I didn't tell you IN January. I told you that AFTER January the markets would continue to cool off for a couple of months since I told you this. Maybe you could provide the link (or even date) of the post where you said that after January the markets would cool off for a couple of months? Which mon...
by CantPassAgain
Wed Jun 06, 2018 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Should I put some money aside in money market for market correction
Replies: 94
Views: 6646

Re: Should I put some money aside in money market for market correction

But no need to go to great lengths to convince or impress. Almost every single one of your posts mentions your $10 million NW, and how smart you are. you doth protest too much, methinks. Look, all you are doing is making yourself LESS credible. Trying making some predictions in advance instead of t...
by CantPassAgain
Wed Jun 06, 2018 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Ways to withdraw from Kraken in USA?
Replies: 7
Views: 1230

Re: Ways to withdraw from Kraken in USA?

I hope your transfer works. When I read the title I thought a Norwegian sea monster had eaten your money and then swam to the US. :wink: I, too, feared that a great sea monster had departed it's historical hunting grounds and had reached the eastern shores of the US. Perhaps as a result of this bom...
by CantPassAgain
Wed Jun 06, 2018 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Should I put some money aside in money market for market correction
Replies: 94
Views: 6646

Re: Should I put some money aside in money market for market correction

But no need to go to great lengths to convince or impress. Almost every single one of your posts mentions your $10 million NW, and how smart you are. you doth protest too much, methinks. Look, all you are doing is making yourself LESS credible. Trying making some predictions in advance instead of t...
by CantPassAgain
Mon Jun 04, 2018 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall advice for an overwhelmed person
Replies: 76
Views: 6017

Re: Is Bogleheads not right for me? Trying to generate monthly income before retirement

I might have missed it...but what's up with borrowing money to pay capital gains tax? Why wouldn't you pay the tax owed with the capital gains that caused the tax in the first place? Kinda scared of the answer
by CantPassAgain
Mon Jun 04, 2018 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Should I put some money aside in money market for market correction
Replies: 94
Views: 6646

Re: Should I put some money aside in money market for market correction

But no need to go to great lengths to convince or impress. People see what they believe, not believe what they see. Anyway, once or twice (or just market investments) did not get me to a NW of $10M at 45, LOL! My successful investments are multi-pronged. For someone that "sells under performers int...
by CantPassAgain
Fri Jun 01, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: Equal weight for index fund?
Replies: 51
Views: 2928

Re: Equal weight for index fund?

I will respond for equity (stock) funds only - I don't have the knowledge base to comment on bonds. The first, failed attempt at an SP500 fund was equal weight. It was unwieldy because every day (as prices change) the weighting changes. Worst case, every stock may need to have either a purchase or ...
by CantPassAgain
Fri Jun 01, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: Equal weight for index fund?
Replies: 51
Views: 2928

Re: Equal weight for index fund?

I will respond for equity (stock) funds only - I don't have the knowledge base to comment on bonds. The first, failed attempt at an SP500 fund was equal weight. It was unwieldy because every day (as prices change) the weighting changes. Worst case, every stock may need to have either a purchase or ...
by CantPassAgain
Fri Jun 01, 2018 10:07 am
Forum: Investing - Theory, News & General
Topic: Equal weight for index fund?
Replies: 51
Views: 2928

Re: Equal weight for index fund?

It's return cannot be "attributable to small cap outperformance" because it doesn't hold any small caps. ...RSP tilts its holdings towards small caps, relative to VTI, purely as a function of its weighting regime. Thus, when small caps outperform large caps you'd expect RSP to outperform VTI and vi...
by CantPassAgain
Thu May 24, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 106
Views: 10469

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

I'm sorry, it still does not make sense. I am perfectly fine with stocks dropping 30% because they have the potential to rise 30% the other way. Bonds will never have that potential, which is why I agree with some other posters that a penalty free CD may be a better option. I don't know what the pu...
by CantPassAgain
Thu May 24, 2018 9:12 am
Forum: Investing - Theory, News & General
Topic: Asset Class Forecasts
Replies: 47
Views: 2648

Re: Asset Class Forecasts

...You seem to be trying to justify holding a lower equity allocation. An honest assessment of your "ability, need, and willingness" to take short-term risk should be the only driver of your stock/bond split. Any attempt to market time should not. So your advice is to completely ignore long term ri...
by CantPassAgain
Wed May 23, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Are high dividend stocks advantageous for the 15% tax rate?
Replies: 46
Views: 4006

Re: Are high dividend stocks advantageous for the 15% tax rate?

These points make sense to me for someone in the accumulation stage. I'm wondering, though, if it would be different in retirement when you are living off the portfolio. EXACTLY! If (like us), you need an income stream to pay the bills in retirement, it is FAR more comforting to have a (reasonably)...
by CantPassAgain
Tue May 22, 2018 11:18 am
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 106
Views: 10469

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

folks should pick an asset allocation, quit thinking they can predict these things and stay the course. When I eventually get back into the bond fund, I will try to remember to post here regarding whether I was able to avoid any losses by temporarily going to the MMF. Well, avoiding losses once is ...
by CantPassAgain
Tue May 22, 2018 11:14 am
Forum: Investing - Theory, News & General
Topic: Parsing the pyshchology of the markets
Replies: 3
Views: 245

Re: Parsing the pyshchology of the markets

magicrat wrote:
Tue May 22, 2018 11:13 am
Marinelayer wrote:
Tue May 22, 2018 11:03 am
Any advice or insight on how to navigate through it all is greatly appreciated.
Establish a low-cost 3-fund portfolio with an asset allocation that works for you, invest regularly, stay the course.
More on the three fund portfolio: https://www.bogleheads.org/wiki/Three-fund_portfolio
by CantPassAgain
Tue May 22, 2018 11:13 am
Forum: Investing - Theory, News & General
Topic: Parsing the pyshchology of the markets
Replies: 3
Views: 245

Re: Parsing the pyshchology of the markets

Hey everyone, I am new to the investment world and have been struck by how counter-intuitive the market seems to me. For instance, CRISPR technology stocks have been climbing recently, and I was considering investing in NTLA. A good review had come out regarding the company's outlook, pre-market ac...
by CantPassAgain
Fri May 18, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 106
Views: 10469

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

I did qualify this as "generally" and did say this situation seems so obvious and predictable to me. How is it so obvious? Did you know specifically that there was going to be a "sharp" (for bonds) downturn back in January? What about Nov 2010 to Feb 2011? Was that obvious too? How about April to S...
by CantPassAgain
Thu May 17, 2018 9:04 am
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 106
Views: 10469

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

It appears that nobody is understanding the point that I am trying to make. When this many people are not getting it, it must be my fault. I will try one more time in the simplist terms possible, and if I still fail, I'm giving up. 1. Everyone is quick to point out that yield is increasing. But THE...
by CantPassAgain
Wed May 16, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 106
Views: 10469

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

I'm sorry, it still does not make sense. I am perfectly fine with stocks dropping 30% because they have the potential to rise 30% the other way. Bonds will never have that potential, which is why I agree with some other posters that a penalty free CD may be a better option. I don't know what the pu...
by CantPassAgain
Mon May 14, 2018 4:20 pm
Forum: Investing - Theory, News & General
Topic: How do stock buybacks work, and how do index funds handle them?
Replies: 17
Views: 1786

Re: How do stock buybacks work, and how do index funds handle them?

mak1277 wrote:
Mon May 14, 2018 3:57 pm
But this isn't the way it works in practice. First, the company is buying back shares on the open market...
Not necessarily
by CantPassAgain
Fri May 11, 2018 9:15 am
Forum: Personal Finance (Not Investing)
Topic: IRS tax form [Rejected as photocopy, signature must be in blue ink]
Replies: 41
Views: 3311

Re: IRS tax form

bstevlin wrote:
Thu May 10, 2018 1:37 pm
I will also write a brief thank you to them for alerting us to our error because we have a refund coming.
Don't do this.
by CantPassAgain
Tue May 08, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: How does stock buyback benefit investors?
Replies: 78
Views: 6362

Re: How does stock buyback benefit investors?

The repetitive assertion on this site that you can just sell shares to create your own dividend is seriously misguided in my view. A dividend is a distribution of profits to stockholders. Selling shares is selling shares. These are most certainly not the same. If I sell 5% of my shares I get 5% les...
by CantPassAgain
Tue May 08, 2018 5:26 pm
Forum: Investing - Theory, News & General
Topic: How does stock buyback benefit investors?
Replies: 78
Views: 6362

Re: How does stock buyback benefit investors?

Why would a buy back preclude you from selling shares you've held for 12 months as opposed to a dividend taxed at ordinary income? I think the correct question is: "Why would money received from a buyback versus money received as a dividend preclude you from reinvesting those funds or spending them...
by CantPassAgain
Tue May 08, 2018 3:16 pm
Forum: Investing - Theory, News & General
Topic: How does stock buyback benefit investors?
Replies: 78
Views: 6362

Re: How does stock buyback benefit investors?

I personally do not like buy-backs. I would rather have the cash dividended to me so I can decide what to do with it. Why would a buy back preclude you from selling shares you've held for 12 months as opposed to a dividend taxed at ordinary income? I think the correct question is: "Why would money ...
by CantPassAgain
Tue May 08, 2018 1:34 pm
Forum: Investing - Theory, News & General
Topic: How does stock buyback benefit investors?
Replies: 78
Views: 6362

Re: How does stock buyback benefit investors?

I personally do not like buy-backs. I would rather have the cash dividended to me so I can decide what to do with it. Why would a buy back preclude you from selling shares you've held for 12 months as opposed to a dividend taxed at ordinary income? I think the correct question is: "Why would money ...
by CantPassAgain
Tue May 08, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Why Shouldn't I Buy McDonalds Or Coke?
Replies: 66
Views: 8451

Re: Why Shouldn't I Buy McDonalds Or Coke?

Interesting to see the naysayers compare KO and MCD to Enron, Eastman Kodak etc. You may want to sell your index funds since both stocks are top 25 holdings of popular Vanguard index funds. The below screen shot is VSTMX which owns KO. That sugar tax is going to cause the company to go out of busin...
by CantPassAgain
Fri May 04, 2018 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 18194

Re: Ed. Jones rep didn't like our plan, now we're locked out

It's unlikely that the Advisor can "lock" you out of your account. There is also nothing wrong with him dissolving the relationship. Advisors "fire" clients just like clients "fire" Advisors. Your account will just be moved to an Edward Jones "house account" until you decide on a new EJ Advisor or ...
by CantPassAgain
Fri May 04, 2018 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Invest lumpsum, "cost averaging" or "wait for the crash"
Replies: 56
Views: 3794

Re: Invest lumpsum, "cost averaging" or "wait for the crash"

I have a large amount of money available to invest in the stock market after selling a large chunk of single stock I owned.I got good advise to do that here . My question now is how to get the sum invested back into the stock market since the market is really hot right now. Do note, my mind is fair...
by CantPassAgain
Thu Apr 26, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: What happens when you speak in TICKER language.
Replies: 139
Views: 12711

Re: What happens when you speak in TICKER language.

Sorta feels like the "how hard is it to highlight-right-click-search google" folks are subtly implying that we are luddites who don't know how to use a browser. Maybe I'm wrong. Point is, I know how to do that, and still don't care. If I see a post with a couple ticker symbols that I don't know I ju...
by CantPassAgain
Tue Apr 24, 2018 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: What happens when you speak in TICKER language.
Replies: 139
Views: 12711

Re: A Rant about Ticker Speak

Please forgive the rant friendly reminder. :happy The amount of ticker speak has increased a lot recently. Every time tax loss harvesting threads start popping up, so do the instances of ticker speaking. Example - "I want to harvest losses in AAAAX. Can I use BBBBX as a partner?" And for some reaso...
by CantPassAgain
Tue Apr 24, 2018 9:31 am
Forum: Investing - Theory, News & General
Topic: Fun Money
Replies: 45
Views: 3067

Re: Fun Money

100% indexing is a real snooze for me. Gambling is perceived very differently. To me, everyone dollar cost averaging at this time into DOW 26,000, 24,000 (mature bull run) is gambling in a lofty market. I will be picking up those shares from the retiring dollar cost averager's at DOW 12,000, NASDAQ...
by CantPassAgain
Tue Apr 24, 2018 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Managed Beating Index?
Replies: 35
Views: 2701

Re: Managed Beating Index?

If you did not lump sum in 5 years ago you will need to look at when you made contributions and calculate return from those points. I knew I was probably doing it wrong. So in theory if I had invested 3M in the Vanguard funds 5 years ago. My portfolio would be worth $3,218,040.00. What you are sayi...
by CantPassAgain
Tue Apr 24, 2018 9:05 am
Forum: Investing - Theory, News & General
Topic: Fun Money
Replies: 45
Views: 3067

Re: Fun Money

5% of my investment portfolio is a lot of money to me and I don't think it would be very thrilling to gamble with it. And the flip side is that the amount of money I would be comfortable losing to gambling (way less than 5% of my portfolio) is not likely to give me much of a thrill even with a 300% ...
by CantPassAgain
Mon Apr 23, 2018 2:43 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9839

Re: Boglehead Philosophy Open To Change?

quantAndHold wrote:
Mon Apr 23, 2018 2:26 pm
Oh, Lordy.
Says it all, really.

Wonder what happened to OP and if he's having a nice laugh.
by CantPassAgain
Mon Apr 23, 2018 11:04 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9839

Re: Boglehead Philosophy Open To Change?

"Boglehead Philosophy Open To Change?" Then it wouldn't be the Bogelhead Philosophy anymore and the name of the website would have to be changed. Maybe anythinggoesinvesting.org or something. OP does read more like a rant than anything else. I just wonder why it seems like there so many folks here w...
by CantPassAgain
Fri Apr 20, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: So many problems I can't even figure out how to prioritize them
Replies: 27
Views: 2911

Re: So many problems I can't even figure out how to prioritize them

Water pressure regulator would be my #1 priority. A washer hose busting and flooding your house while you are away will end up being VERY expensive.
by CantPassAgain
Wed Apr 18, 2018 6:19 pm
Forum: Investing - Theory, News & General
Topic: We crush stock indexes, Yale claims
Replies: 98
Views: 11947

Re: We crush stock indexes, Yale claims

md&pharmacist wrote:
Wed Apr 18, 2018 4:31 pm
Not ready to abandon buy low sell high strategy.
Why didn't I think of that? :oops:
by CantPassAgain
Wed Apr 11, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Paystubs still show single, even though we're married?
Replies: 58
Views: 2178

Re: Paystubs still show single, even though we're married?

Form w4 applies to federal withholding and is submitted by you to your employers payroll department. Here is what it looks like: https://www.irs.gov/pub/irs-pdf/fw4.pdf State withholding have state specific forms (if the state has an income tax). That would also be submitted to your employers payrol...
by CantPassAgain
Wed Apr 11, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Paystubs still show single, even though we're married?
Replies: 58
Views: 2178

Re: Paystubs still show single, even though we're married?

OP, you need to relax. Your taxes are what they are and whatever is withheld from your paycheck won't change that (outside of an insignificant underpayment penalty). When you file your taxes for the year, the software you use can probably tell you the most advantageous filing status you qualify for...
by CantPassAgain
Wed Apr 11, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Paystubs still show single, even though we're married?
Replies: 58
Views: 2178

Re: Paystubs still show single, even though we're married?

OP, you need to relax. Your taxes are what they are and whatever is withheld from your paycheck won't change that (outside of an insignificant underpayment penalty). When you file your taxes for the year, the software you use can probably tell you the most advantageous filing status you qualify for....
by CantPassAgain
Sat Mar 31, 2018 10:14 pm
Forum: Investing - Theory, News & General
Topic: Are we missing recession /bear market beginning
Replies: 174
Views: 18200

Re: Are we missing recession /bear market beginning

ImUrHuckleberry wrote:
Sat Mar 31, 2018 9:55 pm
@md&pharmacist

I think most probably don't believe you but they're just trying to be polite. I'll own up to that being my opinion in any case.
Heh. I tried to be charitable earlier, but yeah pretty much. I think he probably doesn't even know how to calculate his IRR.
by CantPassAgain
Thu Mar 29, 2018 8:15 pm
Forum: Investing - Theory, News & General
Topic: Are we missing recession /bear market beginning
Replies: 174
Views: 18200

Re: Are we missing recession /bear market beginning

Homer, you should definitely use a financial adviser or stick with index/target date funds. This is very hard to teach to someone who just can't get an active strategy. Doing the same thing passively thru all types of markets will get you the average returns if they are good enough for you. If what...
by CantPassAgain
Thu Mar 29, 2018 10:30 am
Forum: Investing - Theory, News & General
Topic: Are we missing recession /bear market beginning
Replies: 174
Views: 18200

Re: Are we missing recession /bear market beginning

Are Bear markets usually preceded by volatility ? If so , what we are seeing in the last few weeks seems to be indicating the bear Market Beginning .Any thoughts ? Why are you still asking this question deep into page two of this thread? No one knows! The way to win at this game has been stated ove...