Search found 100 matches

by Durzo
Fri Dec 01, 2017 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: I'm 100% international with VEU. Is this wise?
Replies: 57
Views: 4575

Re: I'm 100% international with VEU

panchilly wrote: ↑
Fri Dec 01, 2017 12:26 pm
100% of my stocks are in VEU right now.
Why did you exclude US stocks? Why not 50-50 to better capture the market?
by Durzo
Mon Jul 24, 2017 3:16 am
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 43065

Re: John Bogle Has Been Right About Investing In International Stocks

What a joke. There are a lot of good arguments to be made for holding no (or very little) international stocks. Cherry picking dates and using past performance to suggest a certain asset allocation is not one of them. Part of being a Boglehead is diversifying/buying the haystack and making the best ...
by Durzo
Sun Jun 18, 2017 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Why do we need an emergency fund?
Replies: 70
Views: 7276

Re: Why do we need an emergency fund?

We have been told again and again that we need to have an emergency fund worth at least 3 months of income or expenses for rainy days. I have never had an emergency fund, and all I have is money invested and money to be invested. I did not have college fund for my kids too, but sent both of them to...
by Durzo
Fri May 19, 2017 12:30 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8614
Views: 1679904

Re: U.S. stocks in freefall

a 1.5% decline is a freefall? LOL.. Transferred funds to Vanguard today. Purchasing more VTSAX and VTIAX tomorrow. Thanks Jack Bogle. Seriously, 1-2% is an event??? I think so. It's a all relative to what you consider common I suppose. I have a 45 year horizon until I start withdrawing, but I still...
by Durzo
Fri May 12, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Young professional planning for early semi-retirement
Replies: 34
Views: 4833

Re: Young professional planning for early semi-retirement

Annually, I am planning on contributing 14% to 401k with employer match and nearly maxing the Roth IRA. Income: 70-80k Debt: None Emergency Fund: Set I have a TSP account for when I served in the military, however, I can no longer contribute. I realise there are many variables here, such as how muc...
by Durzo
Sun Apr 23, 2017 6:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: The next generation of Boglehead authors
Replies: 41
Views: 5868

Re: The next generation of Boglehead authors

Whoever the next generation is, most bogleheads probably won't like them. The younger generation is a lot less gentle in their investing advice and pretty much have no problem calling a spade a spade, Mr. Money Mustaches does this to an extent but there are others who do it better. From what I have...
by Durzo
Sun Apr 23, 2017 6:39 pm
Forum: Personal Consumer Issues
Topic: If you are financially independent, how much monywould you bother to make?
Replies: 31
Views: 4806

Re: If you are financially independent, how much monywould you bother to make?

I thought the definition of being financially independent is to not have to stress about making money anymore. But here you are, spending time thinking about it. I would say that if you are on the fence about any money-making decision now, that the answer for you should be a firm "no". I disagree. ...
by Durzo
Sat Apr 22, 2017 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 94
Views: 18016

Re: Ally Bank - Savings Account Rate Increased!

Interesting most seem to think this is meaningless but if expenses on on mutual fund or ETF was cut by the same there would be a parade in the forum. I'm guessing this board has a lot more money in mutual funds and ETF's than bank savings accounts. Not really the point. It's precisely the point. Pe...
by Durzo
Fri Apr 21, 2017 11:40 am
Forum: Investing - Theory, News & General
Topic: Schwab Target Index Funds Investor Shares drop (.08%)
Replies: 21
Views: 3254

Schwab Target Index Funds Investor Shares drop (.08%)

Schwab's ER for their target date funds just dropped from 0.13% to .08%. I have been with vanguard since I started investing, but Schwab is doing a great job with their expense ratios. Maybe they want to start taking some of the monster growth Vanguard is experiencing. Some of their index funds have...
by Durzo
Tue Apr 18, 2017 12:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 444
Views: 52044

Re: Your USER NAME...what does it mean?

It's a character in the Night Angel trilogy, Durzo Blint. It was just what popped into my head when signing up and I am a big fan of the character. I don't use this handle anywhere else.
by Durzo
Wed Apr 12, 2017 1:00 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing to control risk doesn't make sense to me
Replies: 175
Views: 14944

Re: Rebalancing to control risk doesn't make sense to me

What I always suggest is to treat bonds like an emergecny fund. You have 10 years of living expenses in bonds instead of 50% of a fluctuating portfolio. Depending on your age/job/family etc. for you that may be 1 year worth of expenses in cash and 10 years of expenses in bonds. Anything after that ...
by Durzo
Wed Apr 12, 2017 10:20 am
Forum: Investing - Theory, News & General
Topic: Rebalancing to control risk doesn't make sense to me
Replies: 175
Views: 14944

Re: Rebalancing to control risk doesn't make sense to me

So we've had some discussions regarding the so-called "rebalancing bonus" recently, about how rebalancing makes you buy low and sell high. There doesn't seem to be a lot of data to back that up, which seems reasonable since it would make it a valid market-timing strategy. (If you do think it adds t...
by Durzo
Thu Mar 16, 2017 2:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Virtual online chapter - Master thread]
Replies: 107
Views: 21353

Re: Virtual boglehead meeting?

This is an awesome idea. I really hope this takes off; I will make sure to attend if this happens. We could do a monthly/bi-weekly broadcast type of thing. Each time we have an agenda to cover certain topics. It would probably be best if a senior well known member set it up. However, if no one is in...
by Durzo
Fri Mar 03, 2017 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Ever dip your feet into individual stocks?
Replies: 63
Views: 5262

Re: Ever dip your feet into individual stocks?

Almost not an "investing" question because at this point I know the theory and individual stocks seem more like gambling then investing, but anyone invest a couple thousand of disposable income after investing in retirement and savings. Kind of want to try for fun with the expectation it is high ri...
by Durzo
Sun Feb 12, 2017 10:55 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 22533

Re: Why do you go to restaurants?

Girls and hanging out with friends, but mostly girls. Lunch, brunch, dinner etc. are easy and lazy dates. Takes near zero effort on my part and eating while talking helps create a sense of connection. I can't think of anything else that does this so well.
by Durzo
Thu Jan 19, 2017 9:30 am
Forum: Investing - Theory, News & General
Topic: "Millennials may need to double how much they save for retirement"
Replies: 173
Views: 20953

Re: "Millennials may need to double how much they save for retirement"

http://economicalmillennial.com/numbers-are-in-the-average-net-worth-of-americans-ages-18-30-is-17612/ I'm just gonna leave this here. For those curious a new study by Robert Farrington (The College Investor) found the average networth of Americans 18-30 is $-17,612. It takes into account all assets...
by Durzo
Thu Jan 19, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: Volunteering Ideas
Replies: 87
Views: 7614

Re: Volunteering Ideas

Where do the Bogleheads volunteer? I'm looking for any and all ideas. I've heard of a few places, like Habitat for Humanity and the local food kitchens, but what else is out there? If you are a teacher and enjoy it considering doing tutoring/classes at your local community center/ library/ church e...
by Durzo
Mon Oct 31, 2016 3:22 pm
Forum: Personal Consumer Issues
Topic: which engineering major for renewables
Replies: 62
Views: 6684

Re: which engineering major for renewables

Hello all, My son is currently a junior in h.s. and we have checked out a couple colleges in our area. He is high functioning (3.98 gpa, AP/honors and one college class) and is looking to engineering as a major. Specifically, he would like to study(to quote him) " The harvesting, storage, delivery ...
by Durzo
Fri Oct 28, 2016 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Sued for General [Investment] Advice?
Replies: 43
Views: 7084

Re: Sued for General Advice?

Are there any historical precedents of this happening? Say I post this message on Facebook/Youtube/Twitter/text it/personally say it to someone: "You need to buy X stock/commodity/fund. It has nothing but upside from now on. You are guaranteed to make a huge profit within the next couple of weeks. B...
by Durzo
Thu Oct 27, 2016 8:30 am
Forum: Personal Consumer Issues
Topic: New to HSA account and fees are insane
Replies: 23
Views: 2548

Re: New to HSA account and fees are insane

Or.. is there a reason to keep this fund open with mimimum funds? thanks in advance My HSA has the same minimum cash requirement and similar fees. I thought it was a great deal. Since you are no longer working it makes sense that you might no longer want the hassle of such a small HSA with the fees...
by Durzo
Thu Oct 27, 2016 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track? 75K Investment Portfolio
Replies: 7
Views: 1034

Re: Am I on the right track? 75K Investment Portfolio

Hello, I am currently 25 years old and I am new to the investment world. I've read just about every John Bogle book there is in the past two months! Before I had switched my money over to vanguard, my money was being managed my Chase for a management fee of 1.6% annually (OUCH!). I plan to invest t...
by Durzo
Mon Sep 26, 2016 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: College advice
Replies: 35
Views: 3480

Re: College advice

I know many people out there pay for their kids to attend college, (of course the universities want us to mortgage everything) we plan to assist them without going into debt for them, any ideas on keeping the costs down and getting my daughters degrees without getting them into to much debt? Like m...
by Durzo
Mon Sep 26, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: Protein Powders
Replies: 45
Views: 4693

Re: Protein Powders

Looking on boosting the protein content of my mother's homemade smoothies post surgery. She's older and won't be able to eat solid foods for awhile. Yes, I know about puddings and soups, etc. - but she is specifically requesting smoothies and I need to get some protein in her that is healthy and pe...
by Durzo
Fri Jul 22, 2016 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Where do you buy individual stocks?
Replies: 43
Views: 3927

Re: Where do you buy individual stocks?

I hear you guys. Just to clarify a couple of things. 1. It is just for fun/experiment. 2. It will be a very small portion of my portfolio. My upper bound for individual stocks in 2016-17 is $500. I max 401K + employer match + Roth IRA + HSA. The $500 is <1.5% of my contribution for the year and even...
by Durzo
Thu Jul 21, 2016 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Networth = Age x Pretax income then divide by 10?
Replies: 49
Views: 8791

Re: Networth = Age x Pretax income then divide by 10?

Damn, if anyone knows a 23 year old that has saved 2.3 times their salary please let them know i'm single at the moment.
by Durzo
Thu Jul 21, 2016 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you buy individual stocks?
Replies: 43
Views: 3927

Re: Where do you buy individual stocks?

Thanks you all for your replies. I will look into the services mentioned. It looks like the cost trades can be kept near zero. Once again I come seeking the wisdom of Bogleheads. Is there even a tiny, remote portion of BH wisdom that approves of buying individual stocks? "Forget the needle, buy the ...
by Durzo
Thu Jul 21, 2016 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Where do you buy individual stocks?
Replies: 43
Views: 3927

Where do you buy individual stocks?

One again I come seeking the wisdom of Bogleheads. I am looking to buy individual stocks later this year or early next year. I understand that I am likely to under-perform the market/index. What I am planning is to slowly buy 30-50 individual stocks over the next few years. This will be in a taxable...
by Durzo
Sun Jul 10, 2016 12:50 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 178
Views: 23665

Re: What's your asset allocation and why?

Age: 23

100% stocks/ 0 bonds in 401k and roth IRA.

40% US
20% INT
20% Small Cap
10% EM
10% REITs

It's simple and over 30 years a high expected rate of return. Will start adding bonds 15 or so years from retirement.
by Durzo
Thu Jun 30, 2016 2:54 pm
Forum: Investing - Theory, News & General
Topic: Equities = musical chairs?
Replies: 93
Views: 5986

Re: Equities = musical chairs?

My sense is that many if not most average investors are using the stock market to try to make their money keep pace with their lifestyles so that they don't find themselves dead broke in retirement. The third way, though, and I think the easiest on the nerves, is to say no to consumerism, no to the...
by Durzo
Thu Jun 09, 2016 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Do you track your own purchases?
Replies: 19
Views: 2070

Re: Do you track your own purchases?

I do not bother because I don't have a taxable account. I guess it will be a good problem to have when it comes up.
by Durzo
Thu Jun 09, 2016 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: I need some help to understand why I should invest in bonds at such a young age
Replies: 235
Views: 19759

Re: I need some help to understand why I should invest in bonds at such a young age

The inevitable bear market can and does cause people to deviate. And the bond portion can help mitigate the drop. I think this is weak justification and don't intend to add bonds till my late 30s. Retirement money is retirement money and it is in my IPS that it is never to be used for anything else...
by Durzo
Sat Jun 04, 2016 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Any S&P 500 Lovers Out There?
Replies: 32
Views: 4329

Re: Any S&P 500 Lovers Out There?

I am curios to see if there are any S&P 500 lovers out there. If yes, what is it that you like about it vs say other stock indices? Of course I am referring to funds you invest into that track the S&P 500. Since it is so common often times it is very cheap. In my 401k it has an expense ration of .0...
by Durzo
Mon May 23, 2016 2:41 pm
Forum: Personal Consumer Issues
Topic: Running in new pair of shoes
Replies: 41
Views: 3494

Re: Running in new pair of shoes

I'll be participating in a race pretty soon (10k) and I was wondering if it is a good idea to run in a new pair of shoes. I just bought a new pair of Nike running shoes and want to save them for the race day so that they remain brand new and might give me an edge. Is this a good idea or not? On a r...
by Durzo
Mon May 23, 2016 2:24 pm
Forum: Investing - Theory, News & General
Topic: What was your first investment?
Replies: 117
Views: 8216

Re: What was your first investment?

Vanguard index funds a couple of years ago.

I have the Bogleheads and other like minded people to thank for that. Thanks all.

-Joey
by Durzo
Thu Apr 28, 2016 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Are females just not interested in investing in general or is it just the women that I date?
Replies: 89
Views: 12428

Re: Are females just not interested in investing in general or is it just the women that I date?

23 y/o male here 1. It is definitely true in my circle of friends. I can name 15-20 male friends my age that I can talk about investing with. Not necessarily "Boglehead" investing, but they know about S&P 500, pre tax vs post tax, compounding returns etc. 2. I can only think of 2 similar female frie...
by Durzo
Fri Apr 15, 2016 11:02 am
Forum: Investing - Theory, News & General
Topic: If wall street is rigged and corrupt , why invest in it?
Replies: 64
Views: 6788

Re: If wall street is rigged and corrupt , why invest in it?

The Growth Of The American Economy. :happy Exactly - there may be issues with the players or the system but what you are investing in is the above. Also the international economy! We have a winner! I know there is corruption (I don't think that was the underlying reason for the 08 crash) and shenan...
by Durzo
Mon Apr 11, 2016 10:21 am
Forum: Investing - Theory, News & General
Topic: Are Bogleheads too conservative?
Replies: 135
Views: 18393

Re: Are Bogleheads too conservative?

On median, yes. I believe we do new and young investors a disservice by advising them to accommodate their weakness rather than by equipping them to be strong. +1, the young investor needs the growth. Agreed. I am 31 and I even feel 20% bonds is conservative. I couldn't agree more. In my opinion th...
by Durzo
Mon Apr 11, 2016 10:10 am
Forum: Investing - Help with Personal Investments
Topic: 1/3 SCV / Emerging Market / REIT
Replies: 39
Views: 4211

Re: 1/3 SCV / Emerging Market / REIT

My portfolio is similar. Just add TSM and Total international mid/ small caps and that is my who portfolio outside of 1 yr. EF. It is up to each investor, but I have NO issues with it. I may be a bit unusual and what helps me is I have 1. NO tracking error issues as I have never used TSM or SP 500 ...
by Durzo
Tue Apr 05, 2016 2:08 pm
Forum: Investing - Theory, News & General
Topic: Baby Boomers Doubling in next 20 yrs predictions ?
Replies: 50
Views: 5961

Re: Baby Boomers Doubling in next 20 yrs predictions ?

I'm assuming the OP meant baby boomers retiring. Are there peer reviewed studies on the effect of retirees vs working population on the economy? I would assume that baby boomers retiring would lead to an increase in spending because of SS/IRA/401k withdraws which would in turn stimulate the economy....
by Durzo
Tue Apr 05, 2016 1:12 pm
Forum: Investing - Theory, News & General
Topic: Are Bogleheads too conservative?
Replies: 135
Views: 18393

Re: Are Bogleheads too conservative?

On median, yes. I believe the median Boglehead is too conservative in terms of their equity-fixed income ratio. I believe the median Boglehead is too quick to encourage new and young investors to cave to their worst instincts and to cower with low equity stakes. I believe new and young investors sh...
by Durzo
Tue Mar 29, 2016 11:45 am
Forum: Investing - Theory, News & General
Topic: Your Questions for the Experts Panel Q&A @ Bogleheads Conference
Replies: 52
Views: 9009

Re: Your Questions for the Experts Panel Q&A @ Bogleheads Conference

That is a great panel with a lot of very knowledgeable people. General question: I would like their insight on increasing risk to increase expected returns over a long time horizon. Specific details: If someone has 45+ years until retirement and they have a high risk tolerance what is the best way t...
by Durzo
Tue Mar 29, 2016 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Investing Young + LBYM = No Corp Ladder
Replies: 92
Views: 11397

Re: Investing Young + LBYM = No Corp Ladder

Overall this is great advice. I enjoyed reading through all of your posts. I wonder if anyone has any insight into my particular situation: In general what age/ how long does it take for the toll and stress to kick in? I really want to climb the corporate ladder. Currently I make just over 70K as an...
by Durzo
Tue Mar 29, 2016 11:19 am
Forum: Personal Finance (Not Investing)
Topic: What is your current Cash to Investment ratio?
Replies: 112
Views: 9716

Re: What is your current Cash to Investment ratio?

Cash: $87 in checking account
Investment: 43k (100% stocks)

That comes out to .002 (0.2%). I am happy with that ratio and pretty much where I aim to be a couple days after every paycheck.

-Joey
by Durzo
Thu Mar 03, 2016 5:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - "Maximizing your actively managed fund strategy"
Replies: 7
Views: 1809

Re: Vanguard - "Maximizing your actively managed fund strategy"

The webcast is tonight 7 p.m., Eastern time . Friendly reminder. Maybe they will address the questions I submitted to them. I believe offering actively managed funds and promoting/marketing them is one of the best ways to get young investors to start investing. Why is that better than encouraging yo...
by Durzo
Tue Mar 01, 2016 3:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - "Maximizing your actively managed fund strategy"
Replies: 7
Views: 1809

Vanguard - "Maximizing your actively managed fund strategy"

I received an e-mail from Vanguard about one of their webcasts titled Maximizing your actively managed fund strategy . Here is the link for anyone that wants to register http://event.on24.com/eventRegistration/EventLobbyServlet?target=lobby.jsp&eventid=1136718&sessionid=1&partnerref=RetailNonRespond...
by Durzo
Wed Feb 10, 2016 9:23 am
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 293
Views: 36185

Re: Why not 100% Stocks?

Age: 23 Debt:$0 Asset Allocation: 100% Stocks Stock Distribution: Tilted towards small cap, international and emerging markets Return since inception: -10.25% Emergency Fund: $0.00 Amount in checking account: $230 Credit card bill due this month: $357 So technically i'm leveraged into 100%+ stocks! ...
by Durzo
Mon Nov 02, 2015 1:38 pm
Forum: Personal Consumer Issues
Topic: Protein Bars and Smoothies
Replies: 82
Views: 8290

Re: Protein Bars and Smoothies

I second the suggestion to make your own. I make a batch of 20 every couple of weeks. The entire process takes less than 20 minutes. That way you also know exactly whats in them.

-Joey
by Durzo
Mon Oct 19, 2015 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Uh oh.. trouble in Vanguard land?
Replies: 4
Views: 2581

Re: Uh oh.. trouble in Vanguard land?

Vanguard tells thousands of employees they are no longer salaried, but hourly workers. From Philly.com: http://www.philly.com/philly/blogs/inq-phillydeals/Vanguard-2000-workers-to-overtime-list.html Comment from one alleged Vanguard employee: "We are not going to be receiving over time. Instead we ...
by Durzo
Mon Oct 19, 2015 7:14 pm
Forum: Investing - Theory, News & General
Topic: Is Wall Street Eating Your 401k Nest Egg?
Replies: 36
Views: 3690

Re: NPR Story: Is Wall Street Eating Your 401(k) Nest Egg?

If I were a milkman and people were willing to pay $10/gallon I would sell it for $10/gallon. If I manufactured toothbrushes and people were willing to pay $350 I would charge $350. If I were a mutual fund broker and people were willing to pay 1.5% er with a 5% front load that's what I would charge...