Search found 293 matches

by sunnywindy
Tue Jan 16, 2018 4:24 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets equities went sideways for 50 years 1920-70
Replies: 6
Views: 158

Re: Emerging Markets equities went sideways for 50 years 1920-70

"It's a lesson not to get too excited about emerging markets." I would generally argue it's the opposite - the sideways market represents EMs 50 years ago and before. The current environment means good to great returns because these markets have embraced capitalism, world trade, etc...and are develo...
by sunnywindy
Sun Jan 14, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 88
Views: 4471

Re: Looking for a reasonably priced, safe international destination

Can't go wrong with Iceland - it is a great country, though I wouldn't call it cheap. People speak Icelandic but 99% of the people also speak English. You might also consider Quebec City - very European-ish and old - and/or Montreal - a big cosmopolitan city. I mention these two Canadian cities in r...
by sunnywindy
Thu Jan 11, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: What career related challenges can one pursue after age 40?
Replies: 13
Views: 1368

Re: What career related challenges can one pursue after age 40?

Looks like you only have 672 posts. You could substantially up that in the next 25 years! :D

Seriously, I'm 48 and had to face similar issues. My hobby is riding my bicycle; it takes up a lot of time, I'm very fit, and most importantly, it's a lot of fun. What do you like to do?...then go do it!
by sunnywindy
Thu Jan 11, 2018 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone Have Experience With Broker Degiro?
Replies: 4
Views: 317

Re: Anyone Have Experience With Broker Degiro?

Since I'm in the US and not the EU, I can't be a good judge of DEGIRO. What matters is what you invest your money in and not necessarily with who, i.e. it doesn't matter who actually does the buying and selling of an ETF or stock or mutual fund. I have my money at Charles Schwab and 90% of the money...
by sunnywindy
Tue Jan 09, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Is VWLTX too risky for bond fund?
Replies: 6
Views: 651

Re: Is VWLTX too risky for bond fund?

This is a backward-looking metric, but it's the best you are going to easily get vis-a-vis your questions. https://tinyurl.com/yafrmans In a nutshell, your equities are riskier than your bonds even if the bond market turns into a bear market and you lose money. But a bear market in bonds is nothing ...
by sunnywindy
Tue Jan 09, 2018 10:09 am
Forum: Investing - Help with Personal Investments
Topic: US / Int’l Allocation
Replies: 6
Views: 383

Re: US / Int’l Allocation

The chart is from 2015/2016. It's better to use Vanguard Total World Stock ETF (VT) as it is up to date (within a month). So, the latest figures have the US at 52.6%. https://advisors.vanguard.com/VGApp/iip/site/advisor/investments/portfoliodetails?fundId=3141 Sometimes the index fact sheets have ev...
by sunnywindy
Tue Jan 02, 2018 9:53 am
Forum: Investing - Help with Personal Investments
Topic: MSCI World Index compare vs VTI
Replies: 13
Views: 766

Re: MSCI World Index compare vs VTI

Hi, French citizen, i used my CW8.PA MSCI World index https://www.amundietf.co.uk/professional/product/view/FR0010756098 as my "Stock Fund" and it did 8.24% in 2017 when VTI https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=0970&ps_disable_redirect=true#tab=1 did 21.17 %. I thou...
by sunnywindy
Mon Dec 25, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Life Strategy Grwth v Target Date Fund
Replies: 11
Views: 1476

Re: Life Strategy Grwth v Target Date Fund

Forget the bonds (at least for 15 years) and just get VT - Total World Stock Market.
by sunnywindy
Tue Dec 19, 2017 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Best online, real time tracker to watch my portfolio
Replies: 25
Views: 1828

Re: Best online, real time tracker to watch my portfolio

In general, most sites that update the prices during the day are delayed by 15 minutes. If you want true real-time prices, you usually have to pay for it.
by sunnywindy
Tue Dec 19, 2017 11:39 am
Forum: Investing - Theory, News & General
Topic: On Podcasts, timing the market vs Boglehead way - Fear of Missing out
Replies: 16
Views: 1421

Re: On Podcasts, timing the market vs Boglehead way - Fear of Missing out

Back in the 1980's when 'everyone' was a stock picker, there was an investing club called Beardtown Common Sence Investing Club (or something like that). A majority of the members were grandmothers and they gained notoriety from the press because they supposedly had eye-popping returns. The club mem...
by sunnywindy
Thu Dec 14, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Guided Solutions - Spouse is Employee
Replies: 37
Views: 2780

Re: Edward Jones Guided Solutions - Spouse is Employee

Don't also forget that they will (most likely - if they act the same way as they do with their customers (I am just speculating)) charge you a fee for moving your account(s) out of Edward Jones once your wife decides she doesn't want to work there. It's a terrible decision, but I would recommend she...
by sunnywindy
Thu Dec 14, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Reached 50X annual spending. Now what?
Replies: 56
Views: 6225

Re: Reached 50X annual spending. Now what?

There is no "right" answer. Any of those numbers is reasonable. You have no need to take risk but you could tolerate risk if you want to. so it all boils down to "willingness". You've apparently been through market crashes before. If we have another mess like 2007 - 2009, how much would you be comf...
by sunnywindy
Tue Dec 12, 2017 11:21 am
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 156
Views: 16779

Re: What to do after losing $117k in stock market?

You need to de-couple your emotions from investing. Unless you do that, you will have always have trouble with the market (you are a gambler, not an investor and there is a massive difference.) And the way to de-couple your emotions from investing is more knowledge. Read this website and read some o...
by sunnywindy
Fri Dec 08, 2017 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: ETF Picks for Rollover IRA and Allocation
Replies: 17
Views: 684

Re: ETF Picks for Rollover IRA and Allocation

In general, the most important decision you propose is your stock/bond mix of 70/30. This seems fine. The next decision you have made is how to allocate the 70% and the 30%. All the funds you have chosen are super low cost and if you implemented this proposal, you would be fine. But, there are some ...
by sunnywindy
Thu Dec 07, 2017 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Russell Small Cap Completeness Index
Replies: 2
Views: 297

Re: Russell Small Cap Completeness Index

iShares offers the exact same index (Completeness Index), but they have a different name for it (Russell 2500 Index).

https://www.ishares.com/us/products/288 ... 0-etf-fund
by sunnywindy
Sat Dec 02, 2017 1:54 pm
Forum: Investing - Theory, News & General
Topic: TSP I Fund - Director asks board to add emerging markets and small cap int.
Replies: 7
Views: 1050

Re: TSP I Fund - Director asks board to add emerging markets and small cap int.

That's great news for the I Fund. The EAFE Index seems to me as a relic from another time when world markets weren't as developed or liquid or accessible, etc... but, that is not the case anymore. Also great that they went with the IMI version of the ACWI index - it's now like you have VEU + VSS in ...
by sunnywindy
Thu Nov 30, 2017 5:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 155
Views: 16548

Re: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?

So this is where they're launching the actively managed ETFs, after getting that regulatory exception/approval to do so. It's kind of interesting that they're running active management for this, while most of the competitors are following indexes. There are some advantages to not following an index...
by sunnywindy
Wed Nov 29, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Going from 100% U.S stocks to 30% international?
Replies: 36
Views: 3170

Re: Going from 100% U.S stocks to 30% international?

Go for it in one shot - no reason to DCA. You are 31. Ask yourself, "Do I really think it's going to make any difference in 35 years which method I choose?"
by sunnywindy
Wed Nov 29, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: So i hit 6 figures... (questions about financials)
Replies: 19
Views: 3809

Re: So i hit 6 figures... (questions about financials)

Congratulations on your 'save, don't spend' ethic. It has served you well as a dollar invested at a young age is far more powerful as it has time to compound and work its magic (but you know this!). If I were you, I would pay off the car (and any other debt) and then think about moving into your own...
by sunnywindy
Tue Nov 28, 2017 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone use FutureAdvisor ?
Replies: 4
Views: 603

Re: Anyone use FutureAdvisor ?

Future Advisor does impress me in one aspect: it is owned by Blackrock (iShares) and almost all of the funds it wants me to buy are either Vanguard or Schwab products. It even wants me to sell all of my iShares holdings (3), so you know Future Advisor is not just a feeder for more iShares AUM.
by sunnywindy
Tue Nov 28, 2017 10:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 155
Views: 16548

Re: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?

If these are successful (say at least $500 million AUM each within a few years + outperform within reason) then the high-cost active managers who poo-poo active ETFs because they would reveal their 'secret sauce' and claim to need a non-transparent ETF structure, their arguments would be less convin...
by sunnywindy
Mon Nov 20, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Advice on Portfolio
Replies: 4
Views: 410

Re: Advice on Portfolio

You're better off going with VEA/VWO instead of VXUS because VWO has more complete coverage of China (VWO includes China's "A shares," which are more internet/consumer focused and where China's economy is headed. VXUS does not include these shares, but may in the future. VWO's index is called FTSE E...
by sunnywindy
Mon Nov 20, 2017 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my portfolio?
Replies: 3
Views: 407

Re: Thoughts on my portfolio?

What you present is significantly better than your present asset allocation and it will work just fine in the big scheme of things. But, to get better quality answers to your questions, you should give us more information in the approved format for portfolio allocation help. I do have some (rhetoric...
by sunnywindy
Tue Oct 03, 2017 8:25 pm
Forum: Personal Consumer Issues
Topic: My first promotion without a pay increase
Replies: 47
Views: 5355

Re: My first promotion without a pay increase

Welcome to the megacorp. You are just a number.

(I know this is awfully cynical, but there is some truth to it.)
by sunnywindy
Wed Sep 27, 2017 7:01 am
Forum: Investing - Help with Personal Investments
Topic: I'm shocked! [Mother 100% in bonds and annuities]
Replies: 67
Views: 6994

Re: I'm shocked!

I never asked my mom how her money is invested. Mom asked me if I wanted to go to the bank (She had an RMD check from an annuity, that she wanted to roll over). She told me if I had any questions to ask the advisor. It turns out ALL her 1.5 million is in bonds and annuities getting 3% since 2009. I...
by sunnywindy
Thu Sep 14, 2017 2:03 pm
Forum: Investing - Theory, News & General
Topic: New Betterment Portfolio Strategies
Replies: 13
Views: 3314

Re: New Betterment Portfolio Strategies

It all seems weird. I thought ROBO accounts existed to make investment decisions for you.
by sunnywindy
Wed May 10, 2017 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need small caps in my portfolio?
Replies: 6
Views: 1154

Re: Do I need small caps in my portfolio?

The Extended Market fund is a much better choice if you can only pick one fund. It is everything not in the S&P500. With the small cap fund, there would be a mid cap gap in your portfolio which is not ideal (especially if you can prevent it).
by sunnywindy
Sat Apr 29, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: Anyone use independent rental car insurance
Replies: 15
Views: 1239

Re: Anyone use independent rental car insurance

I don't own a car (3 bicycles!), so obviously, I don't have any car insurance. When I rent a car, usually from Enterprise, I either refuse the insurance because my credit card has insurance and the nature of the rental is short. Or, I buy the insurance because it's snowy or a long dangerous trip, et...
by sunnywindy
Fri Apr 28, 2017 5:56 pm
Forum: Personal Consumer Issues
Topic: Which sonicare toothbrush do you recommend?
Replies: 13
Views: 1174

Re: Which sonicare toothbrush do you recommend?

I ended up buying an expensive one because it had a USB port that I could use for extended traveling abroad. It works exactly the same as my older and much cheaper one, so I'd recommend going cheap. Of course, I never used the USB feature, either!
by sunnywindy
Fri Apr 28, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: The Wolf of Wall Street is on FX tonight - Worth watching???
Replies: 29
Views: 3439

Re: The Wolf of Wall Street is on FX tonight - Worth watching???

If you lived through the 1980's, the brokerage commercials are great!
by sunnywindy
Mon Apr 24, 2017 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts how/why/when to finally move to Bonds/Fixed Income
Replies: 20
Views: 3193

Re: Thoughts how/why/when to finally move to Bonds/Fixed Income

Your strategy is sound regarding how you are moving into bonds, i.e. 1% a year. I'm going to do something similar when I am 50. Go with Vanguard Total Bond Market - it follows the float adjusted version of the Barclays Agg index that the others don't and it will be safer if bond armageddon happens. ...
by sunnywindy
Thu Apr 20, 2017 7:37 am
Forum: Investing - Theory, News & General
Topic: Visualizing the devastating impact of fees
Replies: 54
Views: 5960

Re: Visualizing the devastating impact of fees

Your chart's great and I'm one of the people who likes to post the Vanguard sliding scale chart. The only improvement I could suggest for your chart is to lower the total amount from $1 million to something more in line with what someone might accrue in regular corporate America. Certainly, the char...
by sunnywindy
Fri Apr 14, 2017 10:33 pm
Forum: Investing - Theory, News & General
Topic: Janus Unconstrained, almost three years in...
Replies: 27
Views: 4063

Re: Janus Unconstrained, almost three years in...

I remember reading a few years back in Morningstar that they didn't recommend unconstrained bond funds from anyone. They had data to back this up, but they theorized the reason 'unconstrained' was a bad strategy was twofold: 1) Because the bond market is so diverse, there are too many options to cho...
by sunnywindy
Fri Apr 14, 2017 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Best 2050 Target Date Fund
Replies: 20
Views: 2127

Re: Best 2050 Target Date Fund

I'd go with Vanguard as you will have 30+ years of investing in the fund and this amount of time should showcase how low costs over time beat their higher fee breathen. Morningstar rates Vanguard Target Date as Gold, but the Fidelity funds are good, too, with a Silver rating. Fidelity Target Date Fr...
by sunnywindy
Thu Apr 13, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: Meeting with Wells Fargo Financial Advisor Yesterday - Strange Perspective Regarding Mutual Funds
Replies: 18
Views: 2537

Re: Meeting with Wells Fargo Financial Advisor Yesterday - Strange Perspective Regarding Mutual Funds

It's not surprising at all. His game has nothing to do with how he invests - it's to psychologically convince you he is 'the man' to manage your money.
by sunnywindy
Thu Apr 13, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Helping Choosing 401k Bond fund
Replies: 17
Views: 1094

Re: Helping Choosing 401k Bond fund

This is a situation when Morningstar becomes very useful. You can join for free for 2 weeks and read their excellent reports.

Janus Flexible Bond I JFLEX
http://www.morningstar.com/funds/XNAS/JFLEX/quote.html

Pioneer Bond Y PICYX
http://www.morningstar.com/funds/XNAS/PICYX/quote.html
by sunnywindy
Thu Apr 13, 2017 9:58 am
Forum: Investing - Theory, News & General
Topic: Wealthfront: Why we avoid Blackrock ETFs
Replies: 24
Views: 4346

Re: Wealthfront: Why we avoid Blackrock ETFs

I always buy Vanguard when they have the best ETF, which is almost always the case. But, I do own 3 iShares ETFs only because Vanguard either doesn't offer a product in the same category (EM Min Vol, Intl Multi-Factor) or iShares has the best ETF tracking a certain index (iShares S&P Mid-Cap 400 Ind...
by sunnywindy
Sat Apr 08, 2017 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Recommendation
Replies: 6
Views: 923

Re: Portfolio Recommendation

Their costs are very very high and they are destroying their long term returns. According to Morningstar X-Ray, their asset weighted expense ratio is 1.74%! This will cost thousands and thousands of dollars by the time they retire. Remember, all of the money you are giving to the fund managers throu...
by sunnywindy
Tue Apr 04, 2017 4:28 pm
Forum: Investing - Theory, News & General
Topic: Foolish question about VT [Vanguard Total World Stock]
Replies: 10
Views: 1347

Re: Foolish question about VT [Vanguard Total World Stock]

I don't know the answer to your question, but I do know that Google Finance isn't the place you want to get your data (because financial advisors don't use Google Finance, you shouldn't either). Use Vanguard or Morningstar or Bloomberg. A professional chef wouldn't use my cheap kitchen knives, but ...
by sunnywindy
Tue Apr 04, 2017 10:20 am
Forum: Investing - Theory, News & General
Topic: Foolish question about VT [Vanguard Total World Stock]
Replies: 10
Views: 1347

Re: Foolish question about VT [Vanguard Total World Stock]

I don't know the answer to your question, but I do know that Google Finance isn't the place you want to get your data (because financial advisors don't use Google Finance, you shouldn't either). Use Vanguard or Morningstar or Bloomberg.
by sunnywindy
Sun Mar 26, 2017 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Merriman Expense Ratios: .65% and .58% too high?
Replies: 23
Views: 2688

Re: Merriman Expense Ratios: .65% and .58% too high?

I was curious about the weighted portfolio expense ratio; per Morningstar X-Ray, the ER is 0.24%. Not a bad ER (10 years ago it would have been incredible!). Most likely the fee war continues and this ER gets whittled down in the future. When compared to DFA's expense ratios (if you could buy DFA, t...
by sunnywindy
Sun Mar 26, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: 10 days in Berlin and Krakow
Replies: 9
Views: 790

Re: 10 days in Berlin and Krakow

Kurfurstendamm or "Kudamm" in Berlin is one of the most famous shopping streets in the world and a pleasure to stroll up and down (I hate shopping - except for bicycles - but the atmosphere on Kudamm is very relaxing). If you like trains and modern architecture, the Berlin Hauptbahnhof is an amazing...
by sunnywindy
Sun Mar 26, 2017 5:47 am
Forum: Personal Consumer Issues
Topic: Anyone taken a mid-career sabbatical?
Replies: 47
Views: 7271

Re: Anyone taken a mid-career sabbatical?

I rode my bicycle down the west coast, then across the southern part of the country, and then part of the way up the east coast. Hung out with friends/relatives along the way. Lots of camping and meeting a few other riders. Best decision I ever made. Some at work were jealous and a few people blurte...
by sunnywindy
Sat Mar 25, 2017 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: small cap value international etf
Replies: 5
Views: 819

Re: small cap value international etf

Why are you interested in Pear Tree Polaris Foreign Value Small Cap Fund (QUSOX)? http://www.morningstar.com/funds/XNAS/QUSOX/quote.html QUSOX has certainly had better performance than VSS, but over a long time period the odds still favor VSS because of it's massive cost advantage. You could use thi...
by sunnywindy
Sat Mar 25, 2017 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Help with existing 401k Choices
Replies: 7
Views: 644

Re: Help with existing 401k Choices

The Blackrock LifePath funds are very good. I would stay with them. Morningstar Gold rating!
https://www.blackrock.com/investing/pro ... st-cl-fund
by sunnywindy
Sat Mar 25, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: How to explain MIL's high fees to her
Replies: 7
Views: 898

Re: How to explain MIL's high fees to her

You can try these two. Vanguard Cost Calculator https://personal.vanguard.com/us/insights/investingtruths/investing-truth-about-cost When she visibly sees "Returns Kept Return Lost" it may hit home. Morningstar Portfolio X-Ray http://portfolio.morningstar.com/RtPort/Free/InstantXRayDEntry.aspx?dt=0....
by sunnywindy
Wed Mar 22, 2017 8:26 am
Forum: Investing - Theory, News & General
Topic: Harvard endowment beats S&P 500 by 2% a year over last 40 years
Replies: 50
Views: 7237

Re: Harvard endowment beats S&P 500 by 2% a year over last 40 years

Simply put, they have so much money, they have access to investable assets that you and I do not. They also operate under a completely different tax structure that helps their returns. I don't think that is a valid argument. Is there any reason to believe assets not available to regular retail inve...