Search found 325 matches
- Tue Jan 19, 2021 7:10 pm
- Forum: Investing - Theory, News & General
- Topic: Why isn't every indexer investing in small cap value index funds?
- Replies: 158
- Views: 12356
Re: Why isn't every indexer investing in small cap value index funds?
I have nearly 13% of my portfolio in SCV funds. It has under preformed the rest of my portfolio Mostly VTSAX by nearly 6% in the 6-7 years I have owned it. Maybe you have a bad SCV fund, because 100% of the outperformance of TSM on SCV over the last decade, as measured by VSIAX and VTSAX, has been ...
- Tue Jan 19, 2021 6:58 pm
- Forum: Investing - Theory, News & General
- Topic: Why isn't every indexer investing in small cap value index funds?
- Replies: 158
- Views: 12356
Re: Why isn't every indexer investing in small cap value index funds?
I have nearly 13% of my portfolio in SCV funds. It has under preformed the rest of my portfolio Mostly VTSAX by nearly 6% in the 6-7 years I have owned it. Maybe you have a bad SCV fund, because 100% of the outperformance of TSM on SCV over the last decade, as measured by VSIAX and VTSAX, has been ...
- Thu Jan 07, 2021 2:39 pm
- Forum: Investing - Theory, News & General
- Topic: Why isn't every indexer investing in small cap value index funds?
- Replies: 158
- Views: 12356
Re: Why isn't every indexer investing in small cap value index funds?
I have nearly 13% of my portfolio in SCV funds. It has under preformed the rest of my portfolio Mostly VTSAX by nearly 6% in the 6-7 years I have owned it.
- Sat Jun 06, 2020 2:11 pm
- Forum: Personal Investments
- Topic: FZROX or FSKAX in 401 rollover to Fidelity
- Replies: 14
- Views: 801
Re: FZROX or FSKAX in 401 rollover to Fidelity
I always make it a point to discourage roll over of 401k funds into IRA plans, based on the asset protections. Do not give up those protections easily, without at least giving it some serious thought. If you do decide to still rollover to an IRA, so be it, but at least you will have made an informe...
- Sat Jun 06, 2020 1:42 pm
- Forum: Personal Investments
- Topic: FZROX or FSKAX in 401 rollover to Fidelity
- Replies: 14
- Views: 801
Re: FZROX or FSKAX in 401 rollover to Fidelity
I always make it a point to discourage roll over of 401k funds into IRA plans, based on the asset protections. Do not give up those protections easily, without at least giving it some serious thought. If you do decide to still rollover to an IRA, so be it, but at least you will have made an informe...
- Sat Jun 06, 2020 12:42 pm
- Forum: Personal Investments
- Topic: FZROX or FSKAX in 401 rollover to Fidelity
- Replies: 14
- Views: 801
Re: FZROX or FSKAX in 401 rollover to Fidelity
good reads, thanks for the charts as well. Checking it out.
- Sat Jun 06, 2020 12:30 pm
- Forum: Personal Investments
- Topic: FZROX or FSKAX in 401 rollover to Fidelity
- Replies: 14
- Views: 801
FZROX or FSKAX in 401 rollover to Fidelity
I'm a long time member here but I set it and forget it. have most of my retirement and investments in the 3 fund portfolio at Vanguard auto-re balancing annually. I haven't really kept up on the ZERO fund introduction. I am opening an HSA at Fidelity to transfer a current HSA and am also getting rea...
- Wed Aug 16, 2017 2:51 pm
- Forum: Investing - Theory, News & General
- Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
- Replies: 89
- Views: 30538
Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Ridiculous, to see political correctness come to investing. I want to own the market!!!!!!
- Tue Jul 11, 2017 9:37 am
- Forum: Investing - Theory, News & General
- Topic: Dave Ramsey's advice on investing?
- Replies: 67
- Views: 8652
Re: Dave Ramsey's advice on investing?
I actually followed Dave Ramsey's advice and got out of debt. It was actually a google search for Dave Ramsey investing advice that brought up a topic from BH forum. That is how I found the BH's. Dave's advice has changed the path my life was on. Went from in debt with a mortgage to no debt of any k...
- Thu Jun 22, 2017 10:25 am
- Forum: Personal Finance (Not Investing)
- Topic: Family Business changing, choosing a new retirement plan
- Replies: 7
- Views: 1533
Re: Family Business changing, choosing a new retirement plan
First, if I may ask, why did you switch from a sole proprietor to an LLC? An LLC is often a complication that is not really necessary. We started the LLC to protect our personal assets from lawsuits against our business. The reason I asked this is that the liability protections of an LLC are often ...
- Tue Jun 20, 2017 9:29 am
- Forum: Personal Finance (Not Investing)
- Topic: Family Business changing, choosing a new retirement plan
- Replies: 7
- Views: 1533
Re: Family Business changing, choosing a new retirement plan
A simple plan would probably be best for you. Then you can choose to match a percentage of what your employees put in. A SEP plan you have to give your employees the same percentage as you give yourself. So if you want to put 10% away for you then you have to give the employees 10%. With a simple p...
- Tue Jun 20, 2017 9:28 am
- Forum: Personal Finance (Not Investing)
- Topic: Family Business changing, choosing a new retirement plan
- Replies: 7
- Views: 1533
Re: Family Business changing, choosing a new retirement plan
First, if I may ask, why did you switch from a sole proprietor to an LLC? An LLC is often a complication that is not really necessary. A SEP IRA is usually the least advantageous for a small business with just two employees, because you generally must make the same percentage contribution for all e...
- Mon Jun 19, 2017 7:15 pm
- Forum: Personal Finance (Not Investing)
- Topic: Family Business changing, choosing a new retirement plan
- Replies: 7
- Views: 1533
Family Business changing, choosing a new retirement plan
My wife's and I's business recently changed from a Sole Proprietorship to an LLC. We are also taken on 2 employees. The first 2 years of our business we had a solo 401k (at VG). Since we can no longer contribute to the Solo 401k we need a new plan. We want to offer a retirement plan for our employee...
- Fri Jun 16, 2017 10:46 am
- Forum: Investing - Theory, News & General
- Topic: Poll: 401K Match
- Replies: 99
- Views: 21698
Re: Poll: 401K Match
My employer matches 50% up to first 6% you put in...vested over 5 years (20% per year). Lots of Vanguard funds available.
- Fri Jun 02, 2017 10:33 am
- Forum: Investing - Theory, News & General
- Topic: Bitcoin knockoff
- Replies: 19
- Views: 3489
Re: Bitcoin knockoff
A friend of mine is a "coin Miner". He is searching for these different currencies. He says there are over 700 different ones now. None for me thanks
- Wed May 31, 2017 8:40 am
- Forum: Personal Investments
- Topic: Best Vanguard fund for emergency fund?
- Replies: 21
- Views: 7026
Re: Best Vanguard fund for emergency fund?
I only keep my Emergency Fund in the Bank for immediate access.
- Tue Mar 21, 2017 1:22 pm
- Forum: Investing - Theory, News & General
- Topic: Anyone else taking less risk
- Replies: 115
- Views: 14631
Re: Anyone else taking less risk
Nope, staying the same. I by 90% stock and 10% bonds with every purchase and will continue.
- Wed Mar 15, 2017 8:46 am
- Forum: Personal Investments
- Topic: Do you avoid international investing like Jack Bogle?
- Replies: 151
- Views: 13860
Re: Do you avoid international investing like Jack Bogle?
I'm 61/39 US/International
- Tue Mar 14, 2017 5:49 pm
- Forum: Investing - Theory, News & General
- Topic: Thinking of transferring IRA to Vanguard? How it went for us.
- Replies: 17
- Views: 4382
Re: Thinking of transferring IRA to Vanguard? How it went for us.
I too have never had anything but a positive experience with VG.
- Mon Mar 06, 2017 3:54 pm
- Forum: Personal Investments
- Topic: Poll: For those 20 yrs away from retirement, what is your current asset allocation and future changes?
- Replies: 33
- Views: 3105
- Mon Mar 06, 2017 3:49 pm
- Forum: Investing - Theory, News & General
- Topic: Betterment just raised their costs.
- Replies: 191
- Views: 27403
Re: Betterment just raised their costs.
I don't have any lossesEarl Lemongrab wrote:Did you harvest tax losses? If not, then (as they say) You Paid Too Much!fourwedge wrote:I'm so glad I just stayed the course and left it all in the same funds at VG.
- Mon Mar 06, 2017 3:42 pm
- Forum: Investing - Theory, News & General
- Topic: Betterment just raised their costs.
- Replies: 191
- Views: 27403
Re: Betterment just raised their costs.
I'm so glad I just stayed the course and left it all in the same funds at VG.
- Sat Mar 04, 2017 1:26 pm
- Forum: Personal Investments
- Topic: Making a big bet and borrowing from 401K
- Replies: 31
- Views: 4047
Re: Making a big bet and borrowing from 401K
haha, Thanks for loosing us all up!!! 

- Sat Mar 04, 2017 10:25 am
- Forum: Personal Investments
- Topic: Making a big bet and borrowing from 401K
- Replies: 31
- Views: 4047
Re: Making a big bet and borrowing from 401K
there is a 7 red... you mean 7 straight up...That pays 35 to 1 and has a 2.46% chance of hitting. There is no 7 black. You must mean black. As mentioned, it isn't 50/50. There are 2 green numbers (0/00). The true odds of hitting black is 47.37%. Both of these bets have a house edge of 5.26%. This is...
- Sat Feb 25, 2017 1:51 pm
- Forum: Investing - Theory, News & General
- Topic: Please vote on the wisest decision
- Replies: 50
- Views: 4958
Re: Please vote on the wisest decision
1st max roth at VG for cheapBogleMelon wrote:I can, but can't maximize both of them, may be after I am done saving for my first home down payment..aristotelian wrote:Can't you do Roth and 401k?
then max 401K with 100% stock
Having it saved, tax sheltered and 100% stock is better then not saving it and sheltering it at all.
- Sat Feb 25, 2017 11:17 am
- Forum: Investing - Theory, News & General
- Topic: Why not hedge using futures?
- Replies: 54
- Views: 6149
Re: Why not hedge using futures?
No way, too risky!!! Buy and hold, then buy some more! So do you simply stop buying if you are trying to "rebalance" or just let equities drop in value to get you back in balance? I'm not really sure about how buying more helps in a scenario where you are 100% stocks. If someone is 100% s...
- Fri Feb 24, 2017 8:20 pm
- Forum: Investing - Theory, News & General
- Topic: Why not hedge using futures?
- Replies: 54
- Views: 6149
Re: Why not hedge using futures?
No way, too risky!!!
Buy and hold, then buy some more!
Buy and hold, then buy some more!
- Thu Feb 23, 2017 8:28 pm
- Forum: Investing - Theory, News & General
- Topic: How to Rebalance with Rate Hikes Looming
- Replies: 49
- Views: 11330
Re: How to Rebalance with Rate Hikes Looming
Sell all of your bonds right before the rate hike and buy them all back after the rate hikes are done.
Or just try not market timing at all.
Or just try not market timing at all.
- Fri Feb 17, 2017 12:36 pm
- Forum: Investing - Theory, News & General
- Topic: Just made 2017 IRA contributions... so relaxing!
- Replies: 7
- Views: 1590
Re: Just made 2017 IRA contributions... so relaxing!
well done! yes it is a freeing feeling. Now max out the 401K and the rest of your options. HaHa
- Thu Feb 16, 2017 7:49 pm
- Forum: Investing - Theory, News & General
- Topic: Please list value funds you currently use
- Replies: 62
- Views: 8085
Re: Please list value funds you currently use
Haha, Thanks livesoftlivesoft wrote:I LOVE the typo.fourwedge wrote:Domestic small: VTIAX
- Thu Feb 16, 2017 5:22 pm
- Forum: Investing - Theory, News & General
- Topic: Please list value funds you currently use
- Replies: 62
- Views: 8085
Re: Please list value funds you currently use
Domestic small: VSIAX
International small: DISVX
Emerging: DFCEX
International small: DISVX
Emerging: DFCEX
- Wed Feb 15, 2017 6:00 pm
- Forum: Personal Investments
- Topic: First Time Re-Balancing
- Replies: 4
- Views: 892
Re: First Time Re-Balancing
I believe you are still close enough. You should look to be off at least 5% in any category before moving any money around.
- Sat Feb 11, 2017 4:23 pm
- Forum: Investing - Theory, News & General
- Topic: Wondering about the 7.5% return investment ad on Dave Ramsey
- Replies: 30
- Views: 16350
Re: Wondering about the 7.5% return investment ad on Dave Ramsey
I heard about this safe money ad from a paid infomercial. It had nothing to do with Dave Ramsey.
- Thu Feb 09, 2017 6:09 pm
- Forum: Investing - Theory, News & General
- Topic: College endowments: Houghton beats Harvard
- Replies: 2
- Views: 762
Re: College endowments: Houghton beats Harvard
We had previous threads on how poorly certain actively managed endowment funds did in fiscal 2016. This NYT article explains how tiny Houghton College did quite well, although their fiscal year is three months later than Harvard's. To be suspenseful, I'm not telling their secret here... https://mob...
- Sat Feb 04, 2017 3:13 pm
- Forum: Personal Investments
- Topic: 100k- to invest or put toward mortgage?
- Replies: 20
- Views: 4911
Re: 100k- to invest or put toward mortgage?
I found myself making a similar choice. My wife and I paid off the mortgage as fast as possible. We now throw every available $ at investing. We paid cash for cars and our business. We really like the freedom that being debt free give us. Our nest egg is growing like crazy maxing out all investment ...
- Tue Jan 31, 2017 10:58 pm
- Forum: Investing - Theory, News & General
- Topic: Stocks Down - My Fault
- Replies: 26
- Views: 5040
Re: Stocks Down - My Fault
I'm buying on the 1st whether they are up or down. I love not giving a crap.
- Tue Jan 31, 2017 12:00 pm
- Forum: Investing - Theory, News & General
- Topic: Are you changing your AA based on current events?
- Replies: 68
- Views: 5478
Re: Are you changing your AA based on current events?
No changes here, the economy is improving and even if it wasn't I wouldn't change my AA. I buy more all the time. Keep going!
- Fri Jan 27, 2017 4:35 pm
- Forum: Personal Investments
- Topic: What do you include in your asset allocation calculations?
- Replies: 43
- Views: 6428
Re: What do you include in your asset allocation calculations?
Only investments that I hold. I don't count SS, 529, or HSA.
- Fri Jan 27, 2017 4:33 pm
- Forum: Personal Investments
- Topic: Warning: Max out 401k early - lose some of the match
- Replies: 46
- Views: 6402
Re: Warning: Max out 401k early - lose some of the match
same here, I max out to stay just below. I usually get within $20 of the 18K and spread it out over every pay period to make sure they match every pay period.
- Tue Jan 24, 2017 6:04 pm
- Forum: Investing - Theory, News & General
- Topic: Why is Slicing/Dicing not Working?
- Replies: 37
- Views: 5078
Re: Why is Slicing/Dicing not Working?
my slice and dice was up 13.5% last year... no problem.
Why have commodities at all?
Why have commodities at all?
- Fri Jan 13, 2017 11:10 am
- Forum: Personal Finance (Not Investing)
- Topic: What to consider while purchasing an existing business?
- Replies: 66
- Views: 11630
Re: What to consider while purchasing an existing business?
Not signing a non-compete is an obvious red flag and deal breaker. If she is agreeing to it anyway, why wouldnt she sign?? I would assume if she decides she hates being someone's employee, and when she sees from the inside exactly how to run a business successfully, she will have no barrier to sett...
- Thu Jan 12, 2017 8:25 pm
- Forum: Personal Finance (Not Investing)
- Topic: What to consider while purchasing an existing business?
- Replies: 66
- Views: 11630
Re: What to consider while purchasing an existing business?
Yea, actually her sister in law. Her brother is married to her....crazy!!!
- Thu Jan 12, 2017 7:38 pm
- Forum: Personal Finance (Not Investing)
- Topic: What to consider while purchasing an existing business?
- Replies: 66
- Views: 11630
Re: What to consider while purchasing an existing business?
Interesting thread! I was getting really worried about the crazy woman staying on as an employee and no one cautioning against it. That would have been a nightmare and enough reason to walk away. But it has turned out quite well. Congratulations to you and especially your wife on successful entrepr...
- Thu Jan 12, 2017 7:12 pm
- Forum: Personal Finance (Not Investing)
- Topic: What to consider while purchasing an existing business?
- Replies: 66
- Views: 11630
Re: What to consider while purchasing an existing business?
Keep it up! Just want to add one thing, please don't neglect your online presence. Definitely be up to date on Yelp with basic info like hours and phone number and try to get some good 5 star reviews. You might even want to get a Facebook page/Instagram account, if you're feeling ambitious. So far ...
- Thu Jan 12, 2017 6:34 pm
- Forum: Personal Finance (Not Investing)
- Topic: What to consider while purchasing an existing business?
- Replies: 66
- Views: 11630
Re: What to consider while purchasing an existing business?
Just posting an update. My wife and I have owned the business for 18 months now. Our business is slightly slower then the original business we looked at but we paid 30K instead of the 50K for the original. Business has grown at about 18% (total sales) YOY. That is pretty good but still getting bette...
- Sun Oct 30, 2016 3:46 pm
- Forum: Investing - Theory, News & General
- Topic: How much international?
- Replies: 80
- Views: 14821
Re: How much international?
My wife and I are 46/34
We are 40% international
We are 40% international
- Sun Oct 02, 2016 7:11 pm
- Forum: Investing - Theory, News & General
- Topic: SS as a Bond
- Replies: 46
- Views: 9531
Re: SS as a Bond
(Rhetorical) How do I rebalance SS with stocks, during a downturn? Do I sell part of my future SS payments on some shady market* to raise the cash to buy stocks? :wink: * As far as I know, it's illegal to trade one's SS income stream. I could be wrong. This exactly, I've never understood why someon...
- Sat Jun 18, 2016 11:45 pm
- Forum: Personal Investments
- Topic: When to exit cash and embark upon Target Retirement Fund "set it and forget" strategy
- Replies: 34
- Views: 4986
Re: When to exit cash and embark upon Target Retirement Fund "set it and forget" strategy
You say you have realized you can't time the market. So I would suggest not waiting for a pull back which is exactly what market timing is....
Put it in as soon as you can and forget it.
Put it in as soon as you can and forget it.
- Mon May 23, 2016 5:06 pm
- Forum: Personal Finance (Not Investing)
- Topic: Buying Whole Life using your RMD
- Replies: 28
- Views: 3718
Re: Buying Whole Life using your RMD
Whole life is a terrible product. Why would you spend tons more money instead of just buying level term insurance? You can use the money you saved to buy something else worthwhile. Those guys must sell whole life insurance..... That is my guess. I'm not selling the product, I'm just relaying what w...
- Sun May 22, 2016 4:38 pm
- Forum: Personal Finance (Not Investing)
- Topic: Buying Whole Life using your RMD
- Replies: 28
- Views: 3718
Re: Buying Whole Life using your RMD
Whole life is a terrible product. Why would you spend tons more money instead of just buying level term insurance? You can use the money you saved to buy something else worthwhile.
Those guys must sell whole life insurance..... That is my guess.
Those guys must sell whole life insurance..... That is my guess.