Search found 5445 matches

by TheTimeLord
Tue Jan 22, 2019 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand why I need bonds
Replies: 15
Views: 768

Re: Help me understand why I need bonds

Question Suppose I needed 30k during a market downturn, supposedly I’d sell bonds to avoid selling stocks at a loss, right? But if I wanted to remain at the same asset allocation (80:20 stocks: bonds), I’d still have to sell 24k worth of stocks to get back to my desired asset allocation of 80:20 st...
by TheTimeLord
Mon Jan 21, 2019 11:07 pm
Forum: Investing - Theory, News & General
Topic: One Fund to Rule Them All
Replies: 49
Views: 3685

Re: One Fund to Rule Them All

Vanguard's Target Date Funds seem to be very straight forward, but take a look at this. https://fundresearch.fidelity.com/mutual-funds/composition/315792424 what am i looking at exactly? The number of funds that are contained within the Fidelity freedom 2045 fund you linked (fffgx)? or the low qual...
by TheTimeLord
Mon Jan 21, 2019 10:44 pm
Forum: Investing - Theory, News & General
Topic: One Fund to Rule Them All
Replies: 49
Views: 3685

Re: One Fund to Rule Them All

I guess that’s me too. Target Retirement in Traditional IRA, Lifecycle in TSP, LifeStrategy Moderate Growth in in Roth, and Total World Stock with a little Tax Managed Balanced in Taxable. I like balanced funds and I like punting the decisions other than contributions. This keeps me from meddling t...
by TheTimeLord
Mon Jan 21, 2019 10:22 pm
Forum: Investing - Theory, News & General
Topic: One Fund to Rule Them All
Replies: 49
Views: 3685

Re: One Fund to Rule Them All

Vanguard target date 2060 fund is an all in one fund (a fund-of-funds). It contains 4 separate funds: total stock market index fund total international stock market index fund total bond market index fund total international bond market index fund In its entirety it contains roughly: 10,000 stocks ...
by TheTimeLord
Mon Jan 21, 2019 10:15 pm
Forum: Investing - Theory, News & General
Topic: One Fund to Rule Them All
Replies: 49
Views: 3685

Re: One Fund to Rule Them All

I am going to just blurt it out. I hate TARGET DATE FUNDS. There is no standard definition that I know of for their composition or glide path. It is way too random for my liking. I think her plan to go with a single broad based index fund then moving into fixed income assets as she sees fit is a be...
by TheTimeLord
Mon Jan 21, 2019 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: EIN number Solo 401k plan
Replies: 11
Views: 385

Re: EIN number Solo 401k plan

Another question I have: I assume Fidelity will send her a confirmation what $ she contributed in 2018? The form I get each year from Fido has the January 1 and December 31 balances, the investment earnings, the fees deducted ($0), the distributions ($0), and the cash contributions made during the ...
by TheTimeLord
Mon Jan 21, 2019 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone use Invesco BulletShares?
Replies: 9
Views: 655

Re: Anyone use Invesco BulletShares?

I recently bought the 2019 Bulletshare as a way to park some cash short-term until I need it later this year. When I hit a point where I expect to retire in 10 years I’ll use them to build a ladder to help bridge the period between retirement and starting Social Security. That's the application I a...
by TheTimeLord
Mon Jan 21, 2019 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: EIN number Solo 401k plan
Replies: 11
Views: 385

Re: EIN number Solo 401k plan

I am assume you mean the max possible contribution. Unless she made a lot of money make sure you run it through a 401K calculator to verify she deducted everything she should have before calculating what she could contribute. Yes, max possible contribution and yes, she made a lot of money. Cool, I ...
by TheTimeLord
Mon Jan 21, 2019 7:37 pm
Forum: Investing - Theory, News & General
Topic: One Fund to Rule Them All
Replies: 49
Views: 3685

Re: One Fund to Rule Them All

I am going to just blurt it out. I hate TARGET DATE FUNDS. There is no standard definition that I know of for their composition or glide path. It is way too random for my liking. I think her plan to go with a single broad based index fund then moving into fixed income assets as she sees fit is a be...
by TheTimeLord
Mon Jan 21, 2019 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: EIN number Solo 401k plan
Replies: 11
Views: 385

Re: EIN number Solo 401k plan

Another question I have: I assume Fidelity will send her a confirmation what $ she contributed in 2018? The form I get each year from Fido has the January 1 and December 31 balances, the investment earnings, the fees deducted ($0), the distributions ($0), and the cash contributions made during the ...
by TheTimeLord
Mon Jan 21, 2019 7:14 pm
Forum: Investing - Theory, News & General
Topic: One Fund to Rule Them All
Replies: 49
Views: 3685

Re: One Fund to Rule Them All

I am going to just blurt it out. I hate TARGET DATE FUNDS. There is no standard definition that I know of for their composition or glide path. It is way too random for my liking. I think her plan to go with a single broad based index fund then moving into fixed income assets as she sees fit is a bet...
by TheTimeLord
Mon Jan 21, 2019 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: EIN number Solo 401k plan
Replies: 11
Views: 385

Re: EIN number Solo 401k plan

Another question I have: I assume Fidelity will send her a confirmation what $ she contributed in 2018? The form I get each year from Fido has the January 1 and December 31 balances, the investment earnings, the fees deducted ($0), the distributions ($0), and the cash contributions made during the ...
by TheTimeLord
Mon Jan 21, 2019 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: EIN number Solo 401k plan
Replies: 11
Views: 385

Re: EIN number Solo 401k plan

Yes thanks, I actually just did it online (last time for some reason it didn‘t work). Another question I have: I assume Fidelity will send her a confirmation what $ she contributed in 2018? Thanks I believe the year-end documents she receives will have a total of what she contributed but it won't b...
by TheTimeLord
Mon Jan 21, 2019 6:15 pm
Forum: Investing - Theory, News & General
Topic: One Fund to Rule Them All
Replies: 49
Views: 3685

Re: One Fund to Rule Them All

Personally, I see nothing wrong with using Total World, Total Market or S&P 500 funds in the way your daughter has described. Just depends on if you want International or Not, or if you want a touch of Mid and Small Cap or Not.
by TheTimeLord
Mon Jan 21, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: EIN number Solo 401k plan
Replies: 11
Views: 385

Re: EIN number Solo 401k plan

My wife started working as a Sole Proprietor in 2018 and she also opened a Solo 401k plan in 2018. I understand she needs an EIN number in order to open the Solo 401k plan, however the Fidelity rep advised us for the account opening form to write "applied for" in the EIN box. I just realized now th...
by TheTimeLord
Mon Jan 21, 2019 4:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1789724

Re: U.S. stocks in free fall

Bump, because I am seriously curious about the answer. Socratic question: If an investment asset has an expected real return of zero, is it really an investment? Reference (https://www.merriam-webster.com/dictionary/investment): Investment noun (1) in·​vest·​ment | \ in-ˈves(t)-mənt \ Definition of...
by TheTimeLord
Mon Jan 21, 2019 3:51 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1789724

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. Even your "emergency" fund? We are 100% invested all of the time, have no "emergency fund", and have just 2-3 months worth of expenses in a joint checking account. Ok, I will bite, why do ...
by TheTimeLord
Mon Jan 21, 2019 10:52 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1789724

Re: U.S. stocks in free fall

With the market looking much better who here is thinking of getting back into the market? The crash in December was brutal. Scared many (including me). You're kidding? You call it brutal. I call it opportunities, and those do not come often. I rebalanced and bought as much equities as I could in la...
by TheTimeLord
Mon Jan 21, 2019 10:46 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1789724

Re: U.S. stocks in free fall

With the market looking much better who here is thinking of getting back into the market? The crash in December was brutal. Scared many (including me). I have a risk management model that guides how I allocate between equities and fixed income. I have been buying since 12/24 and continued through l...
by TheTimeLord
Mon Jan 21, 2019 9:57 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1789724

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. Even your "emergency" fund? We are 100% invested all of the time, have no "emergency fund", and have just 2-3 months worth of expenses in a joint checking account. Ok, I will bite, why do ...
by TheTimeLord
Sun Jan 20, 2019 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Stay the course is hard
Replies: 75
Views: 7282

Re: Stay the course is hard

knpstr wrote:
Sun Jan 20, 2019 7:47 pm
livesoft wrote:
Sun Jan 20, 2019 5:59 pm
Here is what my warped and twisted mind was thinking about "might as well use a savings account" ->
Image
How about the last 10 years? How did one do vs cash?
You are beginning to sound like John Bogle instead of a BH.
by TheTimeLord
Sun Jan 20, 2019 8:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1789724

Re: U.S. stocks in free fall

dknightd wrote:
Sun Jan 20, 2019 6:41 pm
It is kind of scary that somebody could make 8% in a day if they were clever and lucky!
I'm sticking to my plan. I'll buy a little more stock if the S&P goes down to about 2300. If that never happens I'll just ride the market back up ;)
What day had an 8% trading range in the S&P 500?
by TheTimeLord
Sun Jan 20, 2019 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Stay the course is hard
Replies: 75
Views: 7282

Re: Stay the course is hard

There is no guarantee that what is outperforming won't go higher and what is underperforming won't go lower. Then we are all screwed. We rely on the premise that equities will outperform bonds. If one doesn't believe for all intents and purposes that stocks will outperform bonds is guaranteed, then...
by TheTimeLord
Sun Jan 20, 2019 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Stay the course is hard
Replies: 75
Views: 7282

Re: Stay the course is hard

I don't believe the OP did stay the course. If they were staying the course, then they would most certainly have rebalanced in December by selling bonds and buying equities. The "don't do anything" advice is terrible. If one doesn't buy low, then what's the point of enduring a drop? You might as we...
by TheTimeLord
Sun Jan 20, 2019 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Anyone use Invesco BulletShares?
Replies: 9
Views: 655

Anyone use Invesco BulletShares?

Anyone use Invesco BulletShares or another similar product of maturity date targeted bonds? BulletShares® ETFs are an innovative suite of fixed-term exchange-traded funds (ETFs) that provide defined-maturity exposure. BulletShares ETFs encompass investment-grade bonds, high yield corporate bonds and...
by TheTimeLord
Sun Jan 20, 2019 10:17 am
Forum: Investing - Theory, News & General
Topic: Is using an Asset Allocation Mental Accounting?
Replies: 46
Views: 2055

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 10:37 pm
Forum: Investing - Theory, News & General
Topic: Is using an Asset Allocation Mental Accounting?
Replies: 46
Views: 2055

Re: Is using an Asset Allocation Mental Accounting?

That's true with regard to the portfolio, but most investors are more concerned about the risk to themselves than the risk to their portfolio. Without speaking for Timelord, I think this phrasing gets us to the heart of the issue. Yep, losing $4,000 from a $10,000 portfolio is a lot different than ...
by TheTimeLord
Sat Jan 19, 2019 10:33 pm
Forum: Investing - Theory, News & General
Topic: Is using an Asset Allocation Mental Accounting?
Replies: 46
Views: 2055

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 8:20 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 102
Views: 4860

Re: What is a Boglehead funeral/burial?

Funerals are for the living not the dead. Allowing people to start the grieving process and share memories about the deceased. Often they bring together friends and family who haven't seen each other for years. I plan to provide them some nice food and drink while they socialize.
by TheTimeLord
Sat Jan 19, 2019 5:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1789724

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: 102
Views: 4860

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: 46
Views: 2055

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: 46
Views: 2055

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: 46
Views: 2055

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: 46
Views: 2055

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: 10165
Views: 1789724

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: 2299
Views: 400073

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: 10165
Views: 1789724

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: 21040

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: 10165
Views: 1789724

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: 21040

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: 1621

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: 200

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: 200

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: 46
Views: 1577

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: 200

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: 10165
Views: 1789724

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: 200

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: 200

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...