Search found 695 matches

by oldzey
Sat Sep 16, 2017 10:51 pm
Forum: Investing - Theory, News & General
Topic: "36 Obvious Investment Truths"
Replies: 18
Views: 2626

Re: "36 Obvious Investment Truths"

Thanks for sharing, Lobster!

I like 16 and 17:
Ben Carlson wrote: 16. If you invest in index funds you cannot outperform the market.

17. If you invest in active funds there’s a high probability you will underperform index funds.
by oldzey
Sun Sep 10, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 59
Views: 25693

Re: Can't freeze credit at Experian?

I was able to freeze Experian and Equifax online. I was at the last step of my transaction for TransUnion - entered my CC # and pushed the button. It told me something was wrong and to call their customer service #. So I called the TransUnion customer service #, entered my CC# again, and the automat...
by oldzey
Sun Sep 10, 2017 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 58
Views: 18872

Re: Is a security freeze at Innovis really needed?

I froze all 5 (Equifax, Experian, TransUnion, Innovis, & ChexSystems).

:sharebeer
by oldzey
Sat Sep 02, 2017 3:50 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1462
Views: 260418

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

Up 9.70% as of 9/1/17

AA 80% VTSAX & TIEIX: 20% TIAA Traditional
by oldzey
Sat Sep 02, 2017 3:38 pm
Forum: Investing - Theory, News & General
Topic: Do you reinvest your dividends/capital gains?
Replies: 76
Views: 9008

Re: Do you reinvest your dividends/capital gains?

Here's what I do:

Tax-advantaged (Roth IRA): reinvest dividends/capital gains

Tax-deferred (403b): reinvest dividends/capital gains

Taxable (brokerage): dividends/capital gains sent to checking account
by oldzey
Thu Aug 24, 2017 11:49 pm
Forum: Investing - Theory, News & General
Topic: John Bogle video (discusses international)
Replies: 44
Views: 3899

Re: John Bogle video (discusses international)

Great video!

Thank you, Jack!
by oldzey
Tue Aug 22, 2017 10:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3952
Views: 1040145

Re: U.S. stocks in freefall

Serious question: Why is this topic still open? It is open for those who have eyes to see and ears to hear. Know the truth, the truth shall make you free. And the truth is that this could happen tomorrow (making this open topic about U.S. Stocks more popular): https://dl.dropboxusercontent.com/u/56...
by oldzey
Mon Aug 21, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Bad to keep taxable acct solely in VTSAX?
Replies: 20
Views: 3261

Re: Bad to keep taxable acct solely in VTSAX?

I have 100% VTSAX in my taxable brokerage account.
It's done quite well the past few years - much better than a savings account. :sharebeer
by oldzey
Mon Aug 21, 2017 8:29 pm
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 213
Views: 37765

Re: How much international stock? A suggestion.

0% international works for me!

Thank you, Jack - you were right!

Image

Image

Of course, past performance does not indicate future performance.
by oldzey
Sat Aug 19, 2017 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional Annuity as sole fixed income component
Replies: 84
Views: 9195

Re: TIAA Traditional Annuity as sole fixed income component

One additional point is that TIAA TRAD has "vintages", which refer to the time periods at which the initial contributions were made to TRAD. The oldest vintages typically have the highest accumulating rate of interest and if annuitized, the highest payout rate during retirement. TIAA adjusts the acc...
by oldzey
Sat Aug 19, 2017 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional Annuity as sole fixed income component
Replies: 84
Views: 9195

Re: TIAA Traditional Annuity as sole fixed income component

Until TIAA goes bankrupt, or they change their guaranteed rates on TIAA Traditional, I'm not going to chase performance with my fixed income. You also can't annuitize Vanguard's Total Bond Fund, so it's a moot point to me at least (given the aforementioned events do not occur). There's something com...
by oldzey
Sat Aug 19, 2017 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: For IPS: transition TIAA Traditional to VBTIX - look at 30 year US treasury rate?
Replies: 15
Views: 879

Re: For IPS: transition TIAA Traditional to VBTIX - look at 30 year US treasury rate?

You're welcome!

I've been content with TIAA TRAD as the sole fixed income component of my portfolio.
by oldzey
Sat Aug 19, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional Annuity as sole fixed income component
Replies: 84
Views: 9195

Re: TIAA Traditional Annuity as sole fixed income component

100% of my fixed income is in TIAA TRAD (RA).

I sold the last of my bond funds about a year ago (VTEAX).

I'm content with the fixed income in my portfolio earning a guaranteed 4% (with some liquidity restrictions).

Upon retirement, I do plan to annuitize some of my TRAD.
by oldzey
Sat Aug 19, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: For IPS: transition TIAA Traditional to VBTIX - look at 30 year US treasury rate?
Replies: 15
Views: 879

Re: For IPS: transition TIAA Traditional to VBTIX - look at 30 year US treasury rate?

Here's an interesting article comparing the two financial instruments: https://collegeretirement.blogspot.com/2011/09/is-tiaa-traditional-good-deal.html Cheers, oldzey P.S. Here's the chart from that article: https://4.bp.blogspot.com/-YUe9HRFBo9Q/ToPsROyBLCI/AAAAAAAAAAs/Jqu9XpXua9A/s1600/Capture.JPG
by oldzey
Thu Aug 17, 2017 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 15986

Re: Lost $7000 today in ONE DAY!

oldzey wrote:
Thu Aug 17, 2017 9:22 pm
It's only a loss on paper... until you sell.
I'll also add this quote:

“If one isn't ready to lose capital, then one isn't ready to invest. They go hand-in-hand: Losses and investing. One cannot avoid losses if they invest.” ― Livesoft

Link
by oldzey
Thu Aug 17, 2017 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 15986

Re: Lost $7000 today in ONE DAY!

It's only a loss on paper... until you sell.
by oldzey
Thu Aug 17, 2017 5:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3952
Views: 1040145

Re: U.S. stocks in freefall

Rise and fall...

Image
by oldzey
Fri Aug 11, 2017 8:59 pm
Forum: Investing - Theory, News & General
Topic: "Honesty like that is rare!"
Replies: 47
Views: 7245

Re: "Honesty like that is rare!"

I can understand the advisor's dilemma. People who don't understand investing generally have the preconceived notion that it's difficult and complicated. An advisor who proposes a 2-fund portfolio would therefore appear to be a rank amateur. I showed my folks (avid stock pickers with a copious and ...
by oldzey
Thu Aug 10, 2017 5:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3952
Views: 1040145

Re: U.S. stocks in freefall

livesoft wrote:
grettman wrote:It will be interesting to see how this thread and the one that talks about how much people are up YTD evolves when we have a nice healthy plunge in the markets.
Just wait for the TLH threads to start appearing again.
TLH opportunities and equities on sale = a beautiful thing.
by oldzey
Wed Aug 09, 2017 8:11 pm
Forum: Investing - Theory, News & General
Topic: Should TBM Be Your Only Bond Fund?
Replies: 33
Views: 5069

Re: Should TBM Be Your Only Bond Fund?

TIAA Traditional is my only "bond fund," located in my 403b. Actually it is a limited-liquidity, stable value fund with an option to annuitize.

If I didn't have access to TIAA Traditional, then my second choice would be Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX).
by oldzey
Tue Aug 08, 2017 10:20 pm
Forum: Investing - Theory, News & General
Topic: Are Index Funds Evil?
Replies: 30
Views: 3792

Re: Are Index Funds Evil?

Not only are they evil, but they are UNAmerican! (kidding of course) 8-)

Image

*This poster comes from the days when index funds were the new kid on the block:

https://www.vanguard.com/bogle_site/sp20040413.html
by oldzey
Mon Aug 07, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: Santa Fe New Mexico - recommendations
Replies: 26
Views: 1877

Re: Santa Fe New Mexico - recommendations

P.S. If you're coming up from ABQ (airport?), then I'd recommend taking the Turquoise Trail (aka Highway 14) either coming up to or going back from Santa Fe. P.P.S. Don't know if you have your hotel lined up, but I always stay at the Residence Inn south of town. Good location, homey, and reasonably ...
by oldzey
Mon Aug 07, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Santa Fe New Mexico - recommendations
Replies: 26
Views: 1877

Re: Santa Fe New Mexico - recommendations

Recommendations: La Choza and The Shed (both very popular) Maria's (been there forever, be sure to try their sopaipillas at least once, parking can be a challenge, George RR Martin dines there). Tomasita's (also been there forever - large restaurant, ample parking, but busy) The Compound (been there...
by oldzey
Sun Aug 06, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Companies And Your Credit Report.
Replies: 13
Views: 1170

Re: Credit Card Companies And Your Credit Report.

Thank you for the useful information!
by oldzey
Sun Aug 06, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: 100 Best Stocks to Buy in 2017
Replies: 10
Views: 1336

Re: 100 Best Stocks to Buy in 2017

WanderingDoc wrote:Has anyone read this book. Useful or pass? Cheers
Haven't read the book, but I highly recommend the "3,606 Best Stocks to Buy in 2017": VTSAX (Vanguard Total Stock Market Index Fund)
by oldzey
Wed Aug 02, 2017 12:24 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 66
Views: 12643

Re: Jack Bogle - Two Fund Portfolio

Affirmative - I use two funds:

Total U.S. Stock Market Index Fund
TIAA Traditional
by oldzey
Tue Aug 01, 2017 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital without giving them my passwords: worth it?
Replies: 27
Views: 2097

Re: Personal Capital without giving them my passwords: worth it?

I used to use Personal Capital that way, but I've found that Microsoft Excel works just fine. :beer
by oldzey
Tue Aug 01, 2017 12:19 am
Forum: Investing - Theory, News & General
Topic: A Secret of the Index Fund’s Success?
Replies: 25
Views: 3219

Re: A Secret of the Index Fund’s Success?

^^^^^ Thanks back at ya! :D

Also don't forget about Taylor's wonderful compilation: What Experts Say About Total Market Index Funds
by oldzey
Mon Jul 31, 2017 7:14 pm
Forum: Investing - Theory, News & General
Topic: A Secret of the Index Fund’s Success?
Replies: 25
Views: 3219

Re: A Secret of the Index Fund’s Success?

A good white paper that adds to this topic of the success secrets of index funds is A Case for Index Fund Portfolios, by Rick Ferri and Alex Benke.
by oldzey
Mon Jul 31, 2017 3:23 pm
Forum: Investing - Theory, News & General
Topic: A Secret of the Index Fund’s Success?
Replies: 25
Views: 3219

Re: A Secret of the Index Fund’s Success?

Thank you for sharing this interesting information, Simplegift!
by oldzey
Mon Jul 31, 2017 1:48 am
Forum: Personal Finance (Not Investing)
Topic: What to do with 3oz of gold?
Replies: 28
Views: 4524

Re: What to do with 3oz of gold?

Sell the gold and invest the proceeds in a low cost, tax efficient, total market index fund that will provide you earnings growth and dividend yield.
by oldzey
Fri Jul 28, 2017 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: How does this work? [Dow Jones up, but Vanguard Total Stock down]
Replies: 10
Views: 1443

Re: How does this work? [Dow Jones up, but Vanguard Total Stock down]

Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) currently uses the CRSP US Total Market TR Index, not the DJIA.
by oldzey
Fri Jul 28, 2017 9:17 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 33039

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

Let's see if International stocks (VGTSX) have ever caught back up with U.S. stocks (VTSMX) since 1996 (the inception year of VGTSX):

Image

Nope - not yet!

Of course, past performance doesn't indicate future performance.
by oldzey
Thu Jul 27, 2017 10:30 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 33039

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

The inception date of Vanguard Total Stock U.S. Stock Market Index Fund ( VTSMX ) was 4/27/1992. The inception date of Vanguard Total International Stock Index Fund ( VGTSX ) was 4/29/1996. Per Morningstar , as of 7/25/2017, if you had invested $10,000 in both funds on 4/29/1996, you would currentl...
by oldzey
Wed Jul 26, 2017 12:10 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 33039

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

The inception date of Vanguard Total Stock U.S. Stock Market Index Fund ( VTSMX ) was 4/27/1992. The inception date of Vanguard Total International Stock Index Fund ( VGTSX ) was 4/29/1996. Per Morningstar , as of 7/25/2017, if you had invested $10,000 in both funds on 4/29/1996, you would currently...
by oldzey
Mon Jul 24, 2017 1:41 am
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 33039

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

"Over the years, I’ve learned that disagreeing with Jack Bogle is not a good idea." -- William J. Bernstein, 2007
by oldzey
Sun Jul 23, 2017 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 162
Views: 8726

Re: Can anyone convince me I need international stock in my portfolio?

The inception date of Vanguard Total Stock U.S. Stock Market Index Fund ( VTSMX ) was 4/27/1992. The inception date of Vanguard Total International Stock Index Fund ( VGTSX ) was 4/29/1996. Per Morningstar , as of today (7/23/2017), if you had invested $10,000 in both funds on 4/29/1996, you would c...
by oldzey
Sun Jul 23, 2017 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 162
Views: 8726

Re: Can anyone convince me I need international stock in my portfolio?

Steve Dunn 's remarks underscore how much the classic, often occurring "how much international" debate really matters, originally found at: http://socialize.morningstar.com/NewSocialize/forums/t/162377.aspx Order of importance As a rather sluggish slice and dice type, I think that issue versus going...
by oldzey
Sat Jul 22, 2017 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 162
Views: 8726

Re: Can anyone convince me I need international stock in my portfolio?

I know there's a lot of debate here about whether international stock is really needed in a portfolio. I've read a lot of it and I still don't know what I think. Looking at the last 30 years, except for a few short periods, international stocks would have just been a drag on overall portfolio retur...
by oldzey
Wed Jul 19, 2017 10:22 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 18287

Re: How are folks handling the unprecedented rise in the market ?

I'm handling the unprecedented rise in the market by doing nothing, while my automatic contributions maintain my desired AA.
by oldzey
Tue Jul 18, 2017 10:53 pm
Forum: Investing - Theory, News & General
Topic: Expense Ratios, how high is too high
Replies: 72
Views: 4509

Re: Expense Ratios, how high is too high

Anything over 0.04% is too high for me. :sharebeer