Search found 5415 matches

by TheTimeLord
Sat Jan 19, 2019 5:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10122
Views: 1785159

Re: U.S. stocks in free fall

Just a hunch. I could well be wrong but I have a interest income fund paying 2.8% to park it in while I see if my hunch was correct. The dividend yield on the S&P is just over 2%. The market is still down 8.87% from its September highs. Are you playing for a short term drop or you do think we will ...
by TheTimeLord
Sat Jan 19, 2019 4:31 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 51
Views: 1515

Re: What is a Boglehead funeral/burial?

dm200 wrote:
Sat Jan 19, 2019 1:23 pm
How might we apply the "Boglehead" philosophy to our funeral and burial plans/expenses?
Instead of a casket be buried in a 2001 Honda Civic with a phone from Consumer Cellular.
by TheTimeLord
Sat Jan 19, 2019 4:26 pm
Forum: Investing - Theory, News & General
Topic: Is using an Asset Allocation Mental Accounting?
Replies: 16
Views: 473

Re: Is using an Asset Allocation Mental Accounting?

To assess risk tolerance, I consider the number of times total fixed investment covers drawdown. For proforma spreadsheets, I set a minimums for the latter and let asset allocation float. The result is that AA in percentage terms stay anyway within a 5% range. Which is quite difference than taking ...
by TheTimeLord
Sat Jan 19, 2019 4:24 pm
Forum: Investing - Theory, News & General
Topic: Is using an Asset Allocation Mental Accounting?
Replies: 16
Views: 473

Re: Is using an Asset Allocation Mental Accounting?

If the AA in percentage terms is not connected to portfolio risk somehow, it would be a cognitive error of some kind. But I don't think it would qualify as "mental accounting" as commonly understood. Maybe I am not addressing what you were saying but to me to just say you are for example 60/40 and ...
by TheTimeLord
Sat Jan 19, 2019 4:21 pm
Forum: Investing - Theory, News & General
Topic: Is using an Asset Allocation Mental Accounting?
Replies: 16
Views: 473

Re: Is using an Asset Allocation Mental Accounting?

Has anyone ever asked if using an Asset Allocation is mental accounting? I mean you are obviously obfuscating the actual dollar amount and only seem to view risk in percentage terms instead of in relation to something concrete like the possible loss in dollars. TheTimeLord, Not to me. My AA is both...
by TheTimeLord
Sat Jan 19, 2019 1:31 pm
Forum: Investing - Theory, News & General
Topic: Is using an Asset Allocation Mental Accounting?
Replies: 16
Views: 473

Is using an Asset Allocation Mental Accounting?

Has anyone ever asked if using an Asset Allocation is mental accounting? I mean you are obviously obfuscating the actual dollar amount and only seem to view risk in percentage terms instead of in relation to something concrete like the possible loss in dollars. To me it seems like mental accounting,...
by TheTimeLord
Sat Jan 19, 2019 12:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10122
Views: 1785159

Re: U.S. stocks in free fall

I went 80% cash today at the close. It may be a brilliant move or... :oops: Whyfore thou go to 80% cash? Just a hunch. I could well be wrong but I have a interest income fund paying 2.8% to park it in while I see if my hunch was correct. The dividend yield on the S&P is just over 2%. The market is ...
by TheTimeLord
Sat Jan 19, 2019 12:31 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2296
Views: 399459

Re: What are you up YTD? [Year To Date]

S&P 500 up 6.54% for the year, I am up far less than that.
by TheTimeLord
Fri Jan 18, 2019 9:55 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10122
Views: 1785159

Re: U.S. stocks in free fall

You probably didn't notice that with my strategy I never have any dry powder. I am 100% invested all the time. What's the difference in dry powder, fixed income investments and being invested in bonds. As I remember Bogle would refer to bonds as dry powder on occasion. Not to speak for anyone else,...
by TheTimeLord
Fri Jan 18, 2019 9:47 pm
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 248
Views: 20954

Re: Who's buying today? where's all the "dry powder" folks at? :)

letsgobobby wrote:
Fri Jan 18, 2019 9:25 pm
The stock market is up more than ten percent in about three weeks.
The stock market is down 8.8% from September 20th.
by TheTimeLord
Fri Jan 18, 2019 9:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10122
Views: 1785159

Re: U.S. stocks in free fall

livesoft wrote:
Fri Jan 18, 2019 8:29 pm
You probably didn't notice that with my strategy I never have any dry powder. I am 100% invested all the time.
What's the difference in dry powder, fixed income investments and being invested in bonds. As I remember Bogle would refer to bonds as dry powder on occasion.
by TheTimeLord
Fri Jan 18, 2019 9:11 pm
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 248
Views: 20954

Re: Who's buying today? where's all the "dry powder" folks at? :)

F150HD wrote:
Fri Jan 18, 2019 9:04 pm
how'd that dry powder work out for everyone? :greedy
Bueno.
by TheTimeLord
Fri Jan 18, 2019 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Just missed a few days of gains rolling over 401K from Fidelity to Vanguard
Replies: 59
Views: 1589

Re: Just missed a few days of gains rolling over 401K from Fidelity to Vanguard

Why was your 401(k) 100% in equities? If it was 100% bonds, then you'd be ahead since they have dropped very very slightly in the past week. Just checked. About 300K total stock market, 200K total international, and 100K total bonds. So far S&P up 0.76% yesterday and already 0.78% today. :( That wa...
by TheTimeLord
Fri Jan 18, 2019 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Self-Employed 401(k) Contribution Processing Time
Replies: 10
Views: 191

Re: Fidelity Self-Employed 401(k) Contribution Processing Time

@TheTimeLord, yes Fidelity has the ability to send/receive ACH deposits/withdrawals. I actually prefer their interface and website over Vanguard. However, Vanguard has a small business section that allows electronic contributions for SEP's, Solo 401(k)'s, etc. Individuals can mark the contribution ...
by TheTimeLord
Fri Jan 18, 2019 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Self-Employed 401(k) Contribution Processing Time
Replies: 10
Views: 191

Re: Fidelity Self-Employed 401(k) Contribution Processing Time

I make contributions at Vanguard directly from my personal checking account, just like I do for my taxable or IRA accounts. Vanguard does not let you go from a Vanguard taxable brokerage to a individual 401k though. There is no need for an individual 401k contribution to come from a business accoun...
by TheTimeLord
Fri Jan 18, 2019 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Differences in Investment Approach
Replies: 45
Views: 1390

Re: Differences in Investment Approach

3 fund or million fund slice and dice REITs or not Should I buy a $5000 5 year old beige Camry or a $200k Tesla? 1 Fund or 2 Fund or 3 Fund or Small Cap Tilt or World Cap or Slice and Dice into tenths of a percent. If we slice and dice, aren't we moving away from the BH approach? Don't confuse Bogl...
by TheTimeLord
Fri Jan 18, 2019 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Self-Employed 401(k) Contribution Processing Time
Replies: 10
Views: 191

Re: Fidelity Self-Employed 401(k) Contribution Processing Time

I thought it had to be from a business checking account? I have Bank of America as my business (and primary personal) checking accounts. I have a Fidelity cash management account. Unless I use a CMA as my primary business account, I don't see the benefit of transferring from BofA to a personal CMA ...
by TheTimeLord
Fri Jan 18, 2019 11:28 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10122
Views: 1785159

Re: U.S. stocks in free fall

Seems like optimism is a bit overblown right now. Things like the possibly bogus report in WSJ about removing tariffs worry me. Market spikes, then we find out no one corroborates the report. Too much recent anecdotal news and fake news influencing the current rise. The market has the memory of a f...
by TheTimeLord
Fri Jan 18, 2019 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Self-Employed 401(k) Contribution Processing Time
Replies: 10
Views: 191

Re: Fidelity Self-Employed 401(k) Contribution Processing Time

For those of you with Fidelity for your Solo 401(k), how long does it usually take to process contributions? I mailed a check for an employee contribution on 1/11. Fidelity still hasn't processed it (1/18). I really wish they would allow ACH contributions! Mine usually take about 1 minute since I t...
by TheTimeLord
Fri Jan 18, 2019 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Self-Employed 401(k) Contribution Processing Time
Replies: 10
Views: 191

Re: Fidelity Self-Employed 401(k) Contribution Processing Time

For those of you with Fidelity for your Solo 401(k), how long does it usually take to process contributions? I mailed a check for an employee contribution on 1/11. Fidelity still hasn't processed it (1/18). I really wish they would allow ACH contributions! Mine usually take about 1 minute since I t...
by TheTimeLord
Fri Jan 18, 2019 11:06 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10122
Views: 1785159

Re: U.S. stocks in free fall

Since we didn't [quite] see a recession during the Christmas Crash, does that mean the Longest Bull Market Ever is ongoing? The reports said "Well, it looks like the BM is over, unless | but | if ..." The bears will say "That wasn't a bear market. We are in the longest bull market in history and it...
by TheTimeLord
Fri Jan 18, 2019 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Differences in Investment Approach
Replies: 45
Views: 1390

Re: Differences in Investment Approach

Jack FFR1846 wrote:
Fri Jan 18, 2019 10:54 am
3 fund or million fund slice and dice

REITs or not

Should I buy a $5000 5 year old beige Camry or a $200k Tesla?
1 Fund or 2 Fund or 3 Fund or Small Cap Tilt or World Cap or Slice and Dice into tenths of a percent.
by TheTimeLord
Fri Jan 18, 2019 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Differences in Investment Approach
Replies: 45
Views: 1390

Re: Differences in Investment Approach

Buckets, Bond Tents, Sequence of Return Risk, Safe Withdrawal Rates, Maximized Gains vs. Risk Management and the value of historical data in predicting the future.
by TheTimeLord
Fri Jan 18, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 278
Views: 46511

Re: [Ally online savings now at 1.80%]

Nummerkins wrote:
Fri Jan 18, 2019 7:24 am
azianbob wrote:
Thu Jan 17, 2019 4:12 pm
Ally savings just went up to 2.2%. The No Penalty CD is still at 2.3%
Too late for them. I had already submitted my transaction to move the money to Vanguard before I got the email in the afternoon. They should have raised the rate the day the promo ended.
You meant too late for you. :oops:
by TheTimeLord
Fri Jan 18, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: Anyone get a site maintenance message this morning?
Replies: 1
Views: 179

Anyone get a site maintenance message this morning?

When I went to log on to Vanguard this morning I got a message the site was undergoing maintenance. This was bit before 9:00 EST. About 5 minutes I was able to log in. Just curious if anyone else got this message?
by TheTimeLord
Thu Jan 17, 2019 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Ally CD rates - why is 12-month CD rate higher than 18-month CD?
Replies: 10
Views: 2299

Re: Ally CD rates - why is 12-month CD rate higher than 18-month CD?

Don’t banks usually give you a higher interest rate on longer-term CD’s? When I went on Ally.com, it shows 2.75% on a 12-month High-Interest CD, whereas it pays between 2.5% and 2.7% (based on how much you deposit) for a 18-month CD (shouldn’t they pay you more for keeping money for 18 months rathe...
by TheTimeLord
Thu Jan 17, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 278
Views: 46511

Re: [Ally online savings now at 1.80%]

Vanguard's Prime MMF currently yields 2.49% APY. This is the net APY, after the expenses of the fund were deducted. Thanks. Does it work like that for all funds? bonds etc? Looking at the fund online, I'd look at the compound yield to get that number? https://investor.vanguard.com/mutual-funds/prof...
by TheTimeLord
Wed Jan 16, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 164
Views: 8964

Re: Are You Dumping Netflix?

The following is not directed at any BH. This is a general observation and WAG. Seeing so many corporate apologists on the internet I wouldn't be surprised if companies hire internet trolls to manipulate public opinion. They might write things like "an 10% increase is small, only pennies a day" and...
by TheTimeLord
Wed Jan 16, 2019 2:26 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 3824

Re: Any good reason to get a smartwatch?

The older I get (I'm 35) the more I am confused by popular products. A good example is the increasing popularity of Alexa and similar devices, which companies are practically giving away because they want access to people's household conversations and habits, though the only benefit they provide th...
by TheTimeLord
Wed Jan 16, 2019 1:39 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 164
Views: 8964

Re: Are You Dumping Netflix?

For me its always about the percentage value and 18% is a lot. I don't care if its cents or dollar. But thats just me :) I'm glad you said that. It always amazes me when people focus on the smaller of the two ($ increase vs. % increase). It's a mind thing though. If you're going to advertise a disc...
by TheTimeLord
Wed Jan 16, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 164
Views: 8964

Re: Are You Dumping Netflix?

bmelikia wrote:
Tue Jan 15, 2019 7:28 pm
I make bigger financial decisions at Taco Bell. . .no, I won't be "dumping" Netflix
+1, I think that puts it in perspective.
by TheTimeLord
Wed Jan 16, 2019 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Why isn't an AA of 75/25 with a SWR 3.75% the standard??
Replies: 62
Views: 6810

Re: Why isn't an AA of 75/25 with a SWR 3.75% the standard??

According to John Bogle you should have your allocation in bonds as your age So a 70yr old has 70% bonds 30% stocks LISTEN TO BOGLE-he is smarter than all of us From what I have read, Bogle does not seem to be dogmatic about age in bonds. https://finance.yahoo.com/news/jack-bogle-winning-portfolio-...
by TheTimeLord
Tue Jan 15, 2019 4:44 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 3824

Re: Any good reason to get a smartwatch?

I don't understand the logic in buying a gadget and then trying to figure out how it might improve my quality of life. I've asked this question to many of my smartwatch-wearing friends, family, and employees and I've never heard anything that I would consider a decent reason for owning one. FWIW, m...
by TheTimeLord
Tue Jan 15, 2019 4:09 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 3824

Re: Any good reason to get a smartwatch?

Everyone I know with one of these is constantly walking around with a useless paperweight on their wrist because they forgot to charge it. I hope these friends aren't also responsible for feeding small children and pets on a scheduled basis. :) Seriously - I've never had my Apple Watch run out of b...
by TheTimeLord
Tue Jan 15, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 3824

Re: Any good reason to get a smartwatch?

What does a smartwatch give you that your phone does not? - The electrodes in the back and digital crown detect heart rate, route to S4 chip (entire process takes just 30 seconds). - ECG can be diagnosed by touching the digital crown after opening the app. - Apple Watch can know if your heart rate ...
by TheTimeLord
Tue Jan 15, 2019 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: I know market timing is a fool's game but...
Replies: 59
Views: 4699

Re: I know market timing is a fool's game but...

We're now in the 115th month without a recession. The record set in the 90's was 120 months. December was the worst month for equities since the Great Depression. Sounds like the Fed is worried enough to pause interest rate hikes. I tell people they shouldn't worry about timing but it's hard not to...
by TheTimeLord
Tue Jan 15, 2019 11:09 am
Forum: Investing - Help with Personal Investments
Topic: I know market timing is a fool's game but...
Replies: 59
Views: 4699

Re: I know market timing is a fool's game but...

We're now in the 115th month without a recession. The record set in the 90's was 120 months. December was the worst month for equities since the Great Depression. Sounds like the Fed is worried enough to pause interest rate hikes. I tell people they shouldn't worry about timing but it's hard not to...
by TheTimeLord
Tue Jan 15, 2019 10:54 am
Forum: Investing - Theory, News & General
Topic: How do you view a savings surplus in retirement?
Replies: 117
Views: 5961

Re: How do you view a savings surplus in retirement?

I will always have a cushion in my retirement plan, I think 25% surplus is probably the minimum. If you have a cushion in your plan why would you need an additional surplus? By surplus the OP meant savings above and beyond what were outlined in your plan. I agree all plans should contain a cushion ...
by TheTimeLord
Sun Jan 13, 2019 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: I know market timing is a fool's game but...
Replies: 59
Views: 4699

Re: I know market timing is a fool's game but...

We're now in the 115th month without a recession. The record set in the 90's was 120 months. December was the worst month for equities since the Great Depression. Sounds like the Fed is worried enough to pause interest rate hikes. I tell people they shouldn't worry about timing but it's hard not to...
by TheTimeLord
Sun Jan 13, 2019 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Zero Funds
Replies: 33
Views: 1928

Re: Fidelity Zero Funds

From my perspective the issue is more with your understanding of indexing and how it works or the belief in some magical nature of name indexes than problems with what Fidelity is doing. How can you possibly judge my understanding of how indexing works? How can you possibly decide that I or anyone ...
by TheTimeLord
Sun Jan 13, 2019 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Would your FIRE plan work had your journey started 1965?
Replies: 66
Views: 4428

Re: Would your FIRE plan work had your journey started 1965?

fire4fun, 1) No, I am not from China. China average gross saving rate is higher at 40+%. That’s not true. The Chinese are savers but the number is under 30%. The 40%+ number includes their version of social security contributions. If you’re going to include that then everyone with a middle class in...
by TheTimeLord
Sun Jan 13, 2019 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Zero Funds
Replies: 33
Views: 1928

Re: Fidelity Zero Funds

I read that the zero funds are not actual true index funds, like S&P, MSCI, CRSP, Russell, etc. but are generic Fidelity constructed "index" funds from a smaller amount of stocks from a true index. I did not know that. That is helpful to know. That seems to be the case. Here's the prospectus for "F...
by TheTimeLord
Sun Jan 13, 2019 9:17 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 160
Views: 20334

Re: Roll Call for the Retirement Class of 2019!

Miriam2 wrote:
Sun Dec 09, 2018 9:16 pm
On Retirement Permahold 8-)
TheTimeLord (class of 2014/2015/2016/2017/2018/2019 . . to infinity and beyond! . . )

Please sign up if you wish to be included in this Fantabulous Class :D
Being the charter member of the Infinity Class is a high honor indeed.
by TheTimeLord
Sat Jan 12, 2019 1:18 pm
Forum: Investing - Theory, News & General
Topic: Is snp charging too much fees for indexing? [Standard-n-Poor index]
Replies: 18
Views: 1204

Re: Is snp charging too much fees for indexing?

This is solely from memory from the Vanguard/S&P suit and other info that has dribbled out over the decades, so with that caveat about faulty memory, pretty sure for the first couple decades Vanguard and all others paid about $10,000 per year for an S&P 500 index fund regardless of asset size. In t...
by TheTimeLord
Thu Jan 10, 2019 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Schwab, or Vanguard
Replies: 66
Views: 5309

Re: Fidelity, Schwab, or Vanguard

Assume a traditional Bogle approach to investing. 50-50, 2-fund, US total stocks and bonds, DIY rebalancing, mix of taxable, IRA and Roth, straightforward asset location, low cost investing required. Where do you put your money and why? Fidelity, because green is the color of money in the U.S. exce...
by TheTimeLord
Thu Jan 10, 2019 6:39 pm
Forum: Investing - Theory, News & General
Topic: Is snp charging too much fees for indexing? [Standard-n-Poor index]
Replies: 18
Views: 1204

Re: Is snp charging too much fees for indexing?

So glad I read your post or I would never known what snp was.
by TheTimeLord
Thu Jan 10, 2019 12:55 pm
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 220
Views: 14287

Re: What is your allocation to U.S. and International?

Currently 100% U.S., my plan is for International to be between 0%-25%.
by TheTimeLord
Wed Jan 09, 2019 2:29 pm
Forum: Investing - Theory, News & General
Topic: Talk me out of a 60/40 AA
Replies: 102
Views: 13998

Re: Talk me out of a 60/40 AA

Past performance doesn't guarantee future results - blah, blah, blah. Assuming a three fund portfolio (VTSMX, VGTSX, VBMFX) with 20% of equities in International I've been looking to justify an Age-10/15 in Bonds portfolio. I haven't been able to find any combination (even messing with the Internat...
by TheTimeLord
Wed Jan 09, 2019 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Why isn't an AA of 75/25 with a SWR 3.75% the standard??
Replies: 62
Views: 6810

Re: Why isn't an AA of 75/25 with a SWR 3.75% the standard??

It seems like lots of people recommend an SWR in the 2s for people with 40-50 years retirements (I seriously doubt I will need to worry about that timeframe). Have you really seen any serious recommendation for 2% by anyone? I haven't. I have read some people here on BH say their personal withdrawa...