Search found 9538 matches

by JoMoney
Tue Sep 29, 2020 8:28 am
Forum: Investing - Theory, News & General
Topic: SLYV vs IJS [SPDR vs. iShares S&P 600 Small Cap Value]
Replies: 215
Views: 15490

Re: SLYV vs IJS [SPDR vs. iShares S&P 600 Small Cap Value]

So nearly two years later and after Vanguard has lowered the cost of VIOV to 0.15% vs IJS at 0.25%, anyone have a different opinion on these two than before? I think a lot of people are choosing for Avantis AVUV now. 0.25 expense ratio but most believe it has better methodology. You can read a lot ...
by JoMoney
Tue Sep 29, 2020 8:10 am
Forum: Personal Investments
Topic: Is this a perfect time to pile into a 3% yield, net of fees, stable value fund?
Replies: 21
Views: 3034

Re: Is this a perfect time to pile into a 3% yield, net of fees, stable value fund?

I've been eyeballing the 'stable value fund' offered with my new employer, it doesn't offer 3%, but it appears to be a variable rate that's currently over 2%. Each plan is likely different, but there are potential liquidity concerns that should be discussed in the prospectus/related document. If the...
by JoMoney
Tue Sep 29, 2020 7:51 am
Forum: Investing - Theory, News & General
Topic: What do Bogleheads think of what happen to Japan?
Replies: 46
Views: 3220

Re: What do Bogleheads think of what happen to Japan?

I grew up in Japan and this is just from my observations living there. The average citizen relies on their pension. Healthcare is nationalized and is extremely cheap. Most live in homes that are paid for and are multi-generational. The expectation is that the firstborn son is the caretaker of the p...
by JoMoney
Mon Sep 28, 2020 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Traditional vs Roth - Is this a factor?
Replies: 4
Views: 451

Re: Traditional vs Roth - Is this a factor?

... If G > I, then Traditional Government Result > Roth Government Result. Yes.. but only in some sort of adjusted purchasing parity terms, and it does assume G > I , which isn't guaranteed in anything but TIPS (and maybe not even there)... If your account is invested in stocks, it could easily los...
by JoMoney
Mon Sep 28, 2020 3:25 pm
Forum: Investing - Theory, News & General
Topic: New Fed Survey of Consumer Finances released
Replies: 5
Views: 641

Re: New Fed Survey of Consumer Finances released

Interesting to look at the stark contrast between mean and median "retirement account" balances. The mean (average of aggregate balances divided by people), skews more than twice as high as the median (balance of the person whose in the middle, with as many people with a higher balance as people wit...
by JoMoney
Mon Sep 28, 2020 2:51 pm
Forum: Investing - Theory, News & General
Topic: What do Bogleheads think of what happen to Japan?
Replies: 46
Views: 3220

Re: What do Bogleheads think of what happen to Japan?

Interestingly, Japan's stock market has done better than other ex-US world stocks for the past 13 or so years...

If US stocks don't perform well enough (perish the thought), my guess is I'll be doing what the majority of Americans (who don't own stocks) are doing to eat...
by JoMoney
Mon Sep 28, 2020 2:19 pm
Forum: Investing - Theory, News & General
Topic: New Fed Survey of Consumer Finances released
Replies: 5
Views: 641

New Fed Survey of Consumer Finances released

It looks like the most recent Fed "Survey of Consumer Finances" (SCF) has been released. Starting to see news articles based on it's data. It's a great source of data jam packed with info on what the 'average' American's finances look like, some people like to compare what their net worth and retire...
by JoMoney
Mon Sep 28, 2020 1:21 pm
Forum: Personal Investments
Topic: is this market timing? or better
Replies: 21
Views: 1348

Re: is this market timing? or better

Historically speaking, there are a few periods where stocks had a prolonged dip and delaying investment paid off, but most of the time you would have been better off investing the money as soon as you can rather than waiting... Which I think makes sense, if you believe VFIAX (S&P 500 index) is a goo...
by JoMoney
Mon Sep 28, 2020 1:04 pm
Forum: Investing - Theory, News & General
Topic: 401(k) Plan Documents
Replies: 2
Views: 188

Re: 401(k) Plan Documents

^ Yup ... There are administration costs to keep track of things like 'after-tax' contribution balances, as well as potential risks to the company if the plan becomes overly complex and the company/their administrative designee fails to properly perform some part of their obligation to the trust.
by JoMoney
Mon Sep 28, 2020 12:06 pm
Forum: Investing - Theory, News & General
Topic: Are we NOW in a bubble?
Replies: 66
Views: 6191

Re: Are we NOW in a bubble?

I definitely believe we have a market that has seen tremendous growth in active retail trading, I've had/heard enough anecdotal conversations with co-workers and others where I've personally been seeing more of this than I have in recent years past. It is different though, in the late 1990's I knew ...
by JoMoney
Mon Sep 28, 2020 11:35 am
Forum: Personal Investments
Topic: Budgeting and investing on 80k
Replies: 14
Views: 1512

Re: Budgeting and investing on 80k

Thanks guys. Yeah this stuff is very confusing and I want to reduce my taxable I come for sure that's why I asked for help on this. It almost sounds like I should just max out 401k and HSA and then if I get a refund at end of the year just plop it into the Roth :thumbsup Unless I had specific plans...
by JoMoney
Sun Sep 27, 2020 9:14 am
Forum: Personal Finance (Not Investing)
Topic: How to get company 401K matching after maxed out
Replies: 25
Views: 2727

Re: How to get company 401K matching after maxed out

It's plan dependent, some (many?) 401k plans do not allow after-tax contributions. If the new plan does allow non-roth after-tax contributions, that would likely be the way to do it. My own employer allows after-tax contributions, but the employer match is only done on 401K contributions. I doubt O...
by JoMoney
Sat Sep 26, 2020 8:37 pm
Forum: Investing - Theory, News & General
Topic: Gold is again on my head
Replies: 39
Views: 2933

Re: Gold is again on my head

... First there is nothing special about gold. It is just a commodity like oil, copper, or wood. It happens to be pretty and previously minted into coins so people ascribe emotional value to it that is not supported on an economic utility basis... I largely agree with the sentiment, but for what it...
by JoMoney
Sat Sep 26, 2020 8:23 pm
Forum: Investing - Theory, News & General
Topic: Gold is again on my head
Replies: 39
Views: 2933

Re: Gold is again on my head

No, I still don't consider gold an 'investment'. It might be hedge of sorts against everything else doing bad, but I'm not buying it. People have made a big whoop-de-do about Buffett putting a relatively trivial amount into a gold producer. From this, https://www.cnbc.com/berkshire-hathaway-portfoli...
by JoMoney
Sat Sep 26, 2020 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to get company 401K matching after maxed out
Replies: 25
Views: 2727

Re: How to get company 401K matching after maxed out

You've gone over the 19.5k limit for pre-tax or Roth ? Or you have exceeded the 57k (?) limit on total contributions ? If only the former, can't you contribute "after tax" money to the new company 401k to get the match ? Others here could confirm. It's plan dependent, some (many?) 401k plans do not...
by JoMoney
Sat Sep 26, 2020 5:55 pm
Forum: Investing - Theory, News & General
Topic: CALPERS Needs 7% Return
Replies: 96
Views: 11523

Re: CALPERS Needs 7% Return

Hopefully their big focus on ESG investing is allowing them to feel good about how they're failing their beneficiaries :wink:
by JoMoney
Sat Sep 26, 2020 9:17 am
Forum: Personal Finance (Not Investing)
Topic: My good experience buying a Hertz rental car
Replies: 24
Views: 2895

Re: My good experience buying a Hertz rental car

I also bought a Hertz rental car, I bought it before their BK, had it for about a year and half. The car had some light cosmetic scrapes, but was mechanically sound. I utilized their 'Rent2Buy' option where I chose the car online, then picked it up at a rental location and got to rent it for a few d...
by JoMoney
Fri Sep 25, 2020 11:41 pm
Forum: Investing - Theory, News & General
Topic: Is hydrogen the fuel for the future of transportation?
Replies: 18
Views: 1294

Re: Is hydrogen the fuel for the future of transportation?

My bet would be on nuclear energy, with more efficient more 'recyclable' batteries.
by JoMoney
Fri Sep 25, 2020 9:58 pm
Forum: Investing - Theory, News & General
Topic: What do funds do with accumulated dividends before payout?
Replies: 6
Views: 721

Re: What do funds do with accumulated dividends before payout?

It depends. Some mutual funds follow active strategies and allow their cash holdings to accumulate for strategic/opportunistic reasons. Many index funds reinvest the dividends in order to track the index (i.e. the S&P 500 'Total Return' index is valued with dividends being reinvested, the S&P 500 'P...
by JoMoney
Fri Sep 25, 2020 11:30 am
Forum: Investing - Theory, News & General
Topic: Myths of international investing - Fidelity
Replies: 157
Views: 10276

Re: Myths of international investing - Fidelity

The problem with 'diversifying' currencies, is there aren't any 'good' currencies, and the 'risk' times tend to be correlated. As we've experienced in the economic crisis, in an open global market there is a "race to debase" with countries desiring to undercut other currencies to try and improve the...
by JoMoney
Fri Sep 25, 2020 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Gazillionth mortgage pay off question
Replies: 61
Views: 4444

Re: Gazillionth mortgage pay off question

it is a psychological question, financially wise taxable will give you better ROI. ... we hope ... there are no guaranteed investments earning 3%, we have to 'hope' that stocks do better than that. Meanwhile, paying off the mortgage quicker is growing the equity OP has in their home, and that equit...
by JoMoney
Fri Sep 25, 2020 10:28 am
Forum: Personal Investments
Topic: Extended Market Index
Replies: 5
Views: 568

Re: Extended Market Index

Anything between 0 to 30% is fine and will be very close to the results of a 'Total Market' index. 20% extended market is the frequent recommendation, and matches the claim that S&P 500 represents 80% of the market. I don't try to track the total market index, the S&P 500 is the index most widely av...
by JoMoney
Fri Sep 25, 2020 10:17 am
Forum: Investing - Theory, News & General
Topic: Myths of international investing - Fidelity
Replies: 157
Views: 10276

Re: Myth's of international investing - Fidelity

Like I said - "no international" arguments are: - past performance -= future performance - world markets are incapable of correctly valuing international stocks and US exceptionalism. Bogleheads have superior insight on such matters. " - past performance -= future performance " As I pointed out, th...
by JoMoney
Fri Sep 25, 2020 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Gazillionth mortgage pay off question
Replies: 61
Views: 4444

Re: Gazillionth mortgage pay off question

I don't currently have a mortgage. With my current situation and mindset, if I had a mortgage, I would continue to maximize my tax-advantaged retirement accounts, ensure I had a modest cash/short-term emergency fund, then focus on paying off the mortgage ASAP (despite the amazingly low interest rate...
by JoMoney
Fri Sep 25, 2020 9:36 am
Forum: Investing - Theory, News & General
Topic: Myths of international investing - Fidelity
Replies: 157
Views: 10276

Re: Myth's of international investing - Fidelity

...Myth 2.... ... the absolute return of the globally balanced portfolio is almost level with that of the all-US portfolio, despite the recent multiyear rally in US stocks. And given the cyclicality of US and foreign stock returns, history suggests their relationship could revert to its historical ...
by JoMoney
Thu Sep 24, 2020 10:16 pm
Forum: Personal Consumer Issues
Topic: Bogleheads knows how many Echo devices I have
Replies: 66
Views: 3083

Re: Bogleheads knows how many Echo devices I have

Maybe something to do with search results hitting on: https://www.bogleheads.org/forum/viewtopic.php?p=4880478#p4880478 Initially, we used it for the novelty of asking questions and related tasks. That novelty has worn off and we have three in the house . 1 in the living room, 1 in my daughter's roo...
by JoMoney
Thu Sep 24, 2020 7:50 pm
Forum: Personal Consumer Issues
Topic: Internet trouble, specifically ZOOM
Replies: 31
Views: 1685

Re: Internet trouble, specifically ZOOM

I have WifI problems in the morning, pretty sure it's not just coincidence that it's also while I'm microwaving my oatmeal
by JoMoney
Thu Sep 24, 2020 8:37 am
Forum: Personal Investments
Topic: Dollar cost averaging question
Replies: 7
Views: 657

Re: Dollar cost averaging question

It doesn't 'ALWAYS' work out that way, but generally investments go up over time... that's why we deem them worthy of investing in. Getting the money invested sooner rather than later will generally result in a higher balance, and over time those little amounts can compound into bigger amounts... pr...
by JoMoney
Wed Sep 23, 2020 8:49 pm
Forum: Personal Investments
Topic: Fidelity Zero funds vs Vanguard performance
Replies: 38
Views: 4021

Re: Fidelity Zero funds vs Vanguard performance

It's not technically a "zero" fund, but Fidelity's S&P 500 Index fund ( FXAIX ER <0.02%) has done a great job at tracking it's index, at a ER that's lower than Vanguard's (VFIAX ER 0.04%) https://i.postimg.cc/fWfpsQVK/FXAIX.png The net return on Vanguard's fund is much tighter to the index than it's...
by JoMoney
Wed Sep 23, 2020 7:15 am
Forum: Personal Investments
Topic: How Many Brokerage Companies Are Too Many?
Replies: 45
Views: 2799

Re: How Many Brokerage Companies Are Too Many?

If Vanguard still offered mutual fund only accounts, I'd say even 1 brokerage account is too many :wink: There are a few big share registrar and transfer companies that many companies use for their stock that will allow you to buy and sell stocks directly, so if you owned individual stocks you could...
by JoMoney
Wed Sep 23, 2020 6:31 am
Forum: Personal Finance (Not Investing)
Topic: How does brand new credit card get compromised?
Replies: 19
Views: 1778

Re: How does brand new credit card get compromised?

Does the card have RFID / contactless / tap to pay technology? Could have been stolen while in transit to you. Most contactless cards only transmit the card# and expiration date, but while it's being mailed the owners name and billing address is easily available on the envelope... all without even o...
by JoMoney
Tue Sep 22, 2020 8:36 am
Forum: Personal Investments
Topic: Trlgx vs fxaix
Replies: 11
Views: 656

Re: Trlgx vs fxaix

I just stick with making regular investments in a lost cost broad market S&P 500 fund (some prefer a 'Total Stock Market' which is just as good). Picking stocks or particular styles like growth or value is a 'losers game'. Past returns of a fund, or the funds style (like growth or value), don't prov...
by JoMoney
Mon Sep 21, 2020 9:13 pm
Forum: Personal Consumer Issues
Topic: Why buy medical insurance ?
Replies: 113
Views: 7297

Re: Why buy medical insurance ?

Not something I would advise, but maybe you don't need it :confused It's easy to feel that way when you've never needed any major medical service, but as you get older the odds of something happening grow larger. FWIW, if you developed some sort of severe chronic condition requiring medical treatmen...
by JoMoney
Mon Sep 21, 2020 8:33 pm
Forum: Investing - Theory, News & General
Topic: Is anyone waiting until after the election?
Replies: 145
Views: 12978

Re: Is anyone waiting until after the election?

Yes, lots of people will wait and otherwise try to 'time' the market. Maybe they'll turn out to be right, maybe not... Don't know, don't care... I'll keep averaging in over time and get in at the average price available to me over my investment horizon. My broad expectation is that the stock market ...
by JoMoney
Mon Sep 21, 2020 8:18 am
Forum: Investing - Theory, News & General
Topic: Is the execution of a trade more or less advantageous depending on the broker?
Replies: 41
Views: 1948

Re: Is the execution of a trade more or less advantageous depending on the broker?

I don't know which brokers have the best execution, but there are rules and compliance obligations required by the SEC with regard to execution and disclosures. There are some brokers, like Robin Hood, that have been found and fined for failing to meet those, as well as other obligations to their us...
by JoMoney
Sun Sep 20, 2020 10:09 am
Forum: Investing - Theory, News & General
Topic: Chris Hogan's Facebook Group restrictions
Replies: 52
Views: 3503

Re: Chris Hogan's Facebook Group restrictions

... Sometimes the dearest wish of one's heart is to go somewhere where the people are all nice, the rules are all known, everyone supports and cheers each other in a common endeavor, and a strong authority figure keeps the marauders out. Conversely, the world also has people with a disdain for unbe...
by JoMoney
Sun Sep 20, 2020 9:46 am
Forum: Investing - Theory, News & General
Topic: Why have international stocks done so poorly?
Replies: 19
Views: 1822

Re: Why have international stocks done so poorly?

*shrug* Always multiple factors in play... Some economies never really recovered from the 'global financial crises'. I think there are deep issues within the 'Eurozone' that complicate that regions recovery as a unified group, where things that might help some work against the others, uncertainties ...
by JoMoney
Sun Sep 20, 2020 9:20 am
Forum: Investing - Theory, News & General
Topic: Chris Hogan's Facebook Group restrictions
Replies: 52
Views: 3503

Re: Chris Hogan's Facebook Group restrictions

... Sometimes the dearest wish of one's heart is to go somewhere where the people are all nice, the rules are all known, everyone supports and cheers each other in a common endeavor, and a strong authority figure keeps the marauders out. Conversely, the world also has people with a disdain for unbe...
by JoMoney
Sun Sep 20, 2020 9:02 am
Forum: Personal Investments
Topic: Rebalancing, taxes and Retirement Accounts
Replies: 8
Views: 801

Re: Rebalancing, taxes and Retirement Accounts

Why is it "obvious" to put your bonds into a 'tax-free account' ? FWIW, to the extent that I save money in cash/fixed-income, I like U.S. Savings Bonds and high-yield savings/CDs offering higher rates, that are only available in a 'taxable' account (although savings bonds effectively work like addit...
by JoMoney
Sun Sep 20, 2020 8:51 am
Forum: Investing - Theory, News & General
Topic: Chris Hogan's Facebook Group restrictions
Replies: 52
Views: 3503

Re: Chris Hogan's Facebook Group restrictions

What do you expect from a person who’s livelihood depends upon him not understanding or wanting to understand that the fastest way to millionaire status is to stop looking for the needle in the haystack but to own the entire haystack. Well, a good percentage of Bogleheads believes the fastest way i...
by JoMoney
Sun Sep 20, 2020 8:36 am
Forum: Personal Investments
Topic: Strategies for scenarios when using taxable with no EF
Replies: 32
Views: 2292

Re: Strategies for scenarios when using taxable with no EF

I like U.S. Savings Bonds for 'taxable' account and emergency fund. There is a one-year holding period before they can be redeemed (although that has been waived in certain crises/emergency situations), but after that it's a great EF. Effectively they work like additional tax-deferred space for up t...
by JoMoney
Sun Sep 20, 2020 8:17 am
Forum: Investing - Theory, News & General
Topic: I was wrong! Recession in 10 years 8 Months
Replies: 25
Views: 5662

Re: I was wrong! Recession in 10 years 8 Months

Recessions are a regularly occurring thing. Probably good advice to be prepared knowing one will happen again, and that you might sleep better and smooth over some potential consequences by having a cash/bond allocation, if that's the point, good on ya' ... But if you think it's actionable that you ...
by JoMoney
Sun Sep 20, 2020 8:07 am
Forum: Investing - Theory, News & General
Topic: Chris Hogan's Facebook Group restrictions
Replies: 52
Views: 3503

Re: Chris Hogan's Facebook Group restrictions

I wonder if there's a Paul Merriman Facebook group, and if there was, if they'd allow a constant barrage of posts antithetical to his small-value stocks are best mantra.
by JoMoney
Sat Sep 19, 2020 8:00 am
Forum: Personal Investments
Topic: Losing Money with Index Funds
Replies: 149
Views: 13691

Re: Losing Money with Index Funds

As a percentage of net-worth, I lost about 50% in 2008-9...might have lost a lot more if I had still been in a individual stock portfolio, or a lot less if I had been in cash/bonds rather than stocks... I don't think "index funds" were the relevant aspect of it rather than amount invested in stocks....
by JoMoney
Sat Sep 19, 2020 7:20 am
Forum: Personal Consumer Issues
Topic: Pretending to enjoy sports for business/social reasons
Replies: 83
Views: 4767

Re: Pretending to enjoy sports for business/social reasons

Other than golf, which I find pleasant for napping, I'm not a fan of televised sports and have never felt compelled to be a part of conversations about it. It seems to me, some people are compelled to always be engaging with others in some sort of conversation, and perhaps sports are a good way to d...
by JoMoney
Sat Sep 19, 2020 6:55 am
Forum: Personal Finance (Not Investing)
Topic: The WR in practice [Withdrawal Rate]
Replies: 67
Views: 3923

Re: The WR in practice [Withdrawal Rate]

A 38 year old has a life expectancy of about 45.6 years That's significantly more than the 25-30 year life expectancy for someone 55 or older, and the retirement period most "safe withdrawal rates" are considered for. The simple SWR method I usually look it is 1/x , where x is life expectancy. 1/45....
by JoMoney
Sat Sep 19, 2020 6:27 am
Forum: Personal Consumer Issues
Topic: Getting rid of silverfish
Replies: 14
Views: 1627

Re: Getting rid of silverfish

My go-to for most bug control is diatomaceious earth lightly dusted around floorboards, edges, crevices, back of cabinets...
by JoMoney
Sat Sep 19, 2020 6:19 am
Forum: Investing - Theory, News & General
Topic: Chris Hogan's Facebook Group restrictions
Replies: 52
Views: 3503

Re: Chris Hogan's Facebook Group restrictions

... So I guess what I'm wondering if anyone has seen this type of censorship anywhere else online in the finance or other sectors? Thanks! Yes. Pretty sure this forum left Morningstar's forums so that they could "moderate" in their own fashion. Diet can be a subject where you get people with strong...
by JoMoney
Fri Sep 18, 2020 10:38 pm
Forum: Personal Consumer Issues
Topic: OLD papers [How do I dispose of old papers?]
Replies: 53
Views: 3956

Re: OLD papers

Not sure why burning isn't doable.. no bbq pit?
I've never tried it myself, but I've heard that as long as it's just paper, you can throw it in a bucket of water or a bleach-water solution letting it soak overnight (or longer) and it will deteriorate to a pulp that mashes into nothingness.