Search found 97 matches

by Ki_poorrichard
Fri Aug 03, 2018 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Getting rid of individual stocks
Replies: 37
Views: 4434

Re: Getting rid of individual stocks

In my opinion, whether it's index mutual funds, ETFs, or individual stocks ... they all come with risks. The difference is the level. The more concentrated, the bigger the reward or loss. Also, no guarantees when it comes to investing period. "We know accurately only when we know little; with knowle...
by Ki_poorrichard
Fri Aug 03, 2018 2:37 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 762
Views: 78825

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Impressive to say the least, an ER of 0! But, the capital gains distribution for taxable acct. is undesirable in my opinion. Regardless, it will be a game changer when or if Vanguard's patent ends.
by Ki_poorrichard
Fri Aug 03, 2018 2:23 pm
Forum: Investing - Theory, News & General
Topic: G Fund at 3%
Replies: 7
Views: 1561

Re: G Fund at 3%

Nothing like the G fund... talk about having your cake and eating it too.
by Ki_poorrichard
Wed Jun 20, 2018 5:55 pm
Forum: Investing - Theory, News & General
Topic: The Current Market
Replies: 22
Views: 1937

Re: The Current Market

These are quite interesting times. A chapter in our history that still has yet to unfold.
by Ki_poorrichard
Sat May 26, 2018 5:19 pm
Forum: Investing - Theory, News & General
Topic: I'm an indexer... but...
Replies: 37
Views: 4871

Re: I'm an indexer... but...

The passage of time is the greatest arbitrator for this "beating the dead horse with a stick" debate concerning active versus passive investing. Maybe both sides of the camp are "spot-on" with their assessments in one way or the other. One can argue for or against until the proverbial cows come home...
by Ki_poorrichard
Thu May 24, 2018 12:34 am
Forum: Investing - Theory, News & General
Topic: GE and the myth of "safe blue-chip stocks"
Replies: 140
Views: 21790

Re: GE and the myth of "safe blue-chip stocks"

Completely disappointed.

Full disclosure: I made a decision to own GE stock mainly because of the lead director on it's board. I figured that it was bulletproof. Costly mistake that I vow never to do again. Regardless, I hope they can turn it around.
by Ki_poorrichard
Wed May 23, 2018 11:45 pm
Forum: Investing - Theory, News & General
Topic: Article on stock picking
Replies: 3
Views: 644

Re: Article on stock picking

Hundreds and hundreds of newsletters claiming to have the secret sauce to beat the market. Most people just listen to the following stock picker - "I'd be a bum on the street with a tin cup if the markets were always efficient." - Warren Buffett But, can you really blame them for trying? Especially...
by Ki_poorrichard
Wed May 23, 2018 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Checked under the hood of index funds and investment firms
Replies: 8
Views: 1746

Re: Checked under the hood of index funds and investment firms

jumppilot wrote:
Wed May 23, 2018 3:43 am
The CEO of Vanguard makes over $15 million a year. They are definitely “for profit” when it comes to running a business.
Hmmm...thanks for sharing that with me.
by Ki_poorrichard
Wed May 23, 2018 2:09 am
Forum: Investing - Help with Personal Investments
Topic: Checked under the hood of index funds and investment firms
Replies: 8
Views: 1746

Re: Checked under the hood of index funds and investment firms

Interesting feedback on the patent. Thanks for the nugget of insight. It’s well received and appreciated. Regardless, at the end of the day, it still spits out capital gains in a taxable account. ETFs are annoying as far as trading in and out of. Also, its price contingent on what someone is willing...
by Ki_poorrichard
Tue May 22, 2018 1:35 am
Forum: Investing - Help with Personal Investments
Topic: Excess contribution inquiry re: Roth IRA
Replies: 2
Views: 277

Re: Excess contribution inquiry re: Roth IRA

That’s reassuring to hear. Thanks FiveK.
by Ki_poorrichard
Tue May 22, 2018 1:28 am
Forum: Investing - Help with Personal Investments
Topic: Checked under the hood of index funds and investment firms
Replies: 8
Views: 1746

Checked under the hood of index funds and investment firms

I noticed that the total market index funds outside of Vanguard spit out capital gains. Like a darn actively managed fund. Makes you think twice about investing in them, especially when it comes to a taxable account. I’m seriously starting to regret leaving Vanguard. Live and learn, I guess. Vanguar...
by Ki_poorrichard
Tue May 22, 2018 12:21 am
Forum: Investing - Help with Personal Investments
Topic: Excess contribution inquiry re: Roth IRA
Replies: 2
Views: 277

Excess contribution inquiry re: Roth IRA

Bogleheads, I need your help, insight, and wisdom. I contributed the maximum amount (5500k) to my Roth IRA account at a brokerage firm outside of my TSP Traditional/Roth account. I no longer work for the government, but decided to keep what I have since it’s dirt cheap (just the way I like to invest...
by Ki_poorrichard
Sun Feb 04, 2018 2:04 am
Forum: Investing - Theory, News & General
Topic: Alan Greenspan says there are bubbles in both stocks and bonds
Replies: 87
Views: 9239

Re: Alan Greenspan says there are bubbles in both stocks and bonds

I know you heard this— “Don’t fight the tape and don’t fight the Fed.” — Marty Zweig
by Ki_poorrichard
Sun Feb 04, 2018 1:40 am
Forum: Investing - Help with Personal Investments
Topic: John Bogle and Japanese Stock market.
Replies: 33
Views: 3461

Re: John Bogle and Japanese Stock market.

I learned to keep an open mind to all views from both camps and all the brilliant minds that reside there. But, my greatest teacher is experience. Regardless, time will tell whose right or wrong. I choose to believe that past data or history does not guarantee the future or outcomes especially with ...
by Ki_poorrichard
Fri Sep 02, 2016 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: IRA brokerage account upgrade
Replies: 3
Views: 698

Re: IRA brokerage account upgrade

Thanks mhalley for the reply. No, I've had my account set up with them for a awhile now.
by Ki_poorrichard
Fri Sep 02, 2016 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: IRA brokerage account upgrade
Replies: 3
Views: 698

IRA brokerage account upgrade

I received mail from Vanguard asking for two types of ID. I currently hold a traditional IRA account with them. They say this is required for an upgrade to an IRA brokerage account which I requested. They asked for a copy of my social security card and driver's license as two examples of identifiers...
by Ki_poorrichard
Sat Aug 27, 2016 9:53 am
Forum: Investing - Theory, News & General
Topic: Bogle & Buffett on International Investing
Replies: 107
Views: 14988

Re: Bogle & Buffett on International Investing

Whether you buy into the argument for or against "international investing", it's your call. Personally, my take on it is this. The U.S. is not infallible. All the Ponzi schemes and debacles that have occurred speak for themselves. No country is exempt from it despite the safeguards to prevent it. Bo...
by Ki_poorrichard
Mon Sep 21, 2015 10:49 am
Forum: Investing - Theory, News & General
Topic: Actively managed tax-managed funds, do they deliver
Replies: 11
Views: 1276

Re: Actively managed tax-managed funds, do they deliver

Thanks Larry,

Your articles are always interesting and insightful. Once again, thank you!
by Ki_poorrichard
Mon Sep 21, 2015 2:16 am
Forum: Investing - Theory, News & General
Topic: dynamic asset allocation, based on market crashing?
Replies: 19
Views: 1835

Re: dynamic asset allocation, based on market crashing?

Waba wrote:Buying at the bottom and selling at the top of market cycles is a very good strategy.
Sounds like a strategy based on market timing.
by Ki_poorrichard
Mon Sep 21, 2015 1:51 am
Forum: Investing - Theory, News & General
Topic: dynamic asset allocation, based on market crashing?
Replies: 19
Views: 1835

Re: dynamic asset allocation, based on market crashing?

In my opinion, portfolio tinkering can backfire if it's based on timing the market. It may not turn out the way you want or picture it to be as far as outcome. Everything in theory (market timing) sounds good up to a point, but in practice its different.
by Ki_poorrichard
Sun Sep 06, 2015 3:57 pm
Forum: Investing - Theory, News & General
Topic: Mohamed El-Erian Has Most of His Money in Cash
Replies: 89
Views: 13766

Re: Mohamed El-Erian Has Most of His Money in Cash

But consider global debt levels; the unknown territory of economic stimulus we're in; the contagion of poor US markets on the rest of the world ... The fact the world's 2nd largest economy could take that kind of turn: I don't think it's beyond comprehension that that kind of downturn in a major ec...
by Ki_poorrichard
Sun Sep 06, 2015 10:43 am
Forum: Investing - Theory, News & General
Topic: Shiller: He's anxious about the next bubble
Replies: 91
Views: 10242

Re: Shiller: He's anxious about the next bubble

He says that over the past five years technology use has expanded to include us using a computer in our hand to do all sorts of marvelous things. But then his heading for his technology remarks is people's "fear of technology" -- a sense that we are living in a completely different, less secure wor...
by Ki_poorrichard
Sun Sep 06, 2015 10:30 am
Forum: Investing - Theory, News & General
Topic: Mebane Faber's moving average timing system has gone to 100% cash.
Replies: 56
Views: 8818

Re: Mebane Faber's moving average timing system has gone to 100% cash.

This sort of approach to "investing" does not "work" for a guy like me! Nor I ... such investors are in a league of their own. :| A "league of their own" seems a bit hyperbole. Perhaps, to devise the system, but to merely follow it seems mindless. If it trades at end of month only, then it would ta...
by Ki_poorrichard
Sun Sep 06, 2015 1:54 am
Forum: Investing - Theory, News & General
Topic: Mebane Faber's moving average timing system has gone to 100% cash.
Replies: 56
Views: 8818

Re: Mebane Faber's moving average timing system has gone to 100% cash.

Off topic somewhat. I'm wondering how much Warren Buffett "trimmed" his positions in: Coke,Wells Fargo,American Express,Walmart,IBM, during the month of August :happy Let's keep in mind that even the guru investors we all look up to can get "burned" and Warren has in the past gotten "burned". Even ...
by Ki_poorrichard
Sun Sep 06, 2015 1:45 am
Forum: Investing - Theory, News & General
Topic: Mebane Faber's moving average timing system has gone to 100% cash.
Replies: 56
Views: 8818

Re: Mebane Faber's moving average timing system has gone to 100% cash.

RiskyInvestment wrote: I'm not sure if I would be comfortable sticking to it if I was in the withdrawal phase. It is still quite vulnerable to a catastrophic event that would make all markets crash significantly within a few days.
+1
by Ki_poorrichard
Sun Sep 06, 2015 1:24 am
Forum: Investing - Theory, News & General
Topic: Shiller: He's anxious about the next bubble
Replies: 91
Views: 10242

Re: Shiller: He's anxious about the next bubble

I have lots of respect for this man. I am kind of blown away right now by his description of the current boom. I will probably be thinking about this for a few days. - Tim +1 I too have great respect for him. "Irrational exuberance is the psychological basis of a speculative bubble. I define a spec...
by Ki_poorrichard
Sun Sep 06, 2015 12:41 am
Forum: Investing - Theory, News & General
Topic: Mebane Faber's moving average timing system has gone to 100% cash.
Replies: 56
Views: 8818

Re: Mebane Faber's moving average timing system has gone to 100% cash.

IPer wrote:This sort of approach to "investing" does not "work" for a guy like me!
Nor I ... such investors are in a league of their own. :|
by Ki_poorrichard
Sun Sep 06, 2015 12:22 am
Forum: Investing - Theory, News & General
Topic: Mebane Faber's moving average timing system has gone to 100% cash.
Replies: 56
Views: 8818

Re: Mebane Faber's moving average timing system has gone to 100% cash.

However, Warren's got rock solid discipline to stay in the game and let the tide take care of itself. That's too funny! Mr Buffett is kind of trapped in his investments. Do you think he can sell shares in BRK or KO or anything at a moment's notice? I don't think so. He just bought something recentl...
by Ki_poorrichard
Sat Sep 05, 2015 1:19 pm
Forum: Investing - Theory, News & General
Topic: Mebane Faber's moving average timing system has gone to 100% cash.
Replies: 56
Views: 8818

Re: Mebane Faber's moving average timing system has gone to 100% cash.

Off topic somewhat. I'm wondering how much Warren Buffett "trimmed" his positions in: Coke,Wells Fargo,American Express,Walmart,IBM, during the month of August :happy Let's keep in mind that even the guru investors we all look up to can get "burned" and Warren has in the past gotten "burned". Even ...
by Ki_poorrichard
Sun Aug 30, 2015 2:55 am
Forum: Investing - Theory, News & General
Topic: Can the market go up forever?
Replies: 80
Views: 8876

Re: Can the market go up forever?

Can the market go up forever? Can interest rates stay near zero for infinity? I wonder if the economy has enough permanent employed/skilled workers or are there more temporary unskilled ones at best? Once again, my crystal ball is too cloudy to see into the future. I have no clue if the market will ...
by Ki_poorrichard
Mon Aug 24, 2015 1:08 am
Forum: Investing - Theory, News & General
Topic: How are you being GREEDY when others are fearful?
Replies: 85
Views: 14955

Re: How are you being greedy when others are fearful?

There seem to be a rash of threads here about how you can take advantage of a downturn. All we have had so far is a tiny drop after a record 6 year bull run. Folks, have we forgotten 2001 and 2008 already in terms of what fear feels like? For those who haven't experienced a true brutal bear market ...
by Ki_poorrichard
Sun Aug 23, 2015 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: going to cash
Replies: 40
Views: 7782

Re: going to cash

JoMoney wrote:
dc81584 wrote:...
Pish posh! Earnings stink!
I agree, but I'm also of the opinon that we're effectively in a depression that's been painted over with QE and hasn't been of much help to the broader economy. I'm hopeful for brighter days ahead.
+1
by Ki_poorrichard
Sun Aug 23, 2015 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA losing value....should I exchange?
Replies: 36
Views: 4834

Re: Roth IRA losing value....should I exchange?

It's alarming to witness and hear people buy into this market and when stuff hits the fan.. naturally want to bail out. There is NO guarantee in investing as far as I'm concerned. Risk is everywhere. In my opinion, were in uncharted territory. The market turmoil MAY last for years. My crystal ball i...
by Ki_poorrichard
Wed Aug 19, 2015 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard fund?
Replies: 37
Views: 4892

Re: Which Vanguard fund?

I don't get why we tout that "past performance does not predict future performance", but yet we study and exhibit the "past data" to help us decide or argue why it helps to do just that ... predict it. All the great investment books and the experts we respect use it for that very purpose. I feel tha...
by Ki_poorrichard
Wed Aug 19, 2015 12:14 pm
Forum: Investing - Theory, News & General
Topic: Greenspan: we've got a bond bubble, Houston
Replies: 71
Views: 8354

Re: Greenspan: we've got a bond bubble, Houston

"If interests rates go to zero and all the governments in the world print money like crazy and prices go down - of course I'm confused. Anybody who is intelligent who is not confused doesn't understand the situation very well. If you find it puzzling, your brain is working correctly." - Charlie Mung...
by Ki_poorrichard
Sun Mar 01, 2015 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund a Buy?
Replies: 37
Views: 7034

Re: Vanguard Wellesley Income Fund a Buy?

livesoft wrote: So did you submit your order to buy yet? If not, why not?
No, I forgot to put on my big boy pants. :)
by Ki_poorrichard
Mon Feb 23, 2015 1:50 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund a Buy?
Replies: 37
Views: 7034

Re: Vanguard Wellesley Income Fund a Buy?

Toons wrote: Excellent choice for tax advantaged space.
+1
by Ki_poorrichard
Mon Feb 23, 2015 1:46 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund a Buy?
Replies: 37
Views: 7034

Re: Vanguard Wellesley Income Fund a Buy?

Jerry55 wrote: It's not a "Shoot for the Stars" fund, but in retirement, I'm happy with 7-9% returns.
+1
by Ki_poorrichard
Mon Feb 23, 2015 1:44 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund a Buy?
Replies: 37
Views: 7034

Re: Vanguard Wellesley Income Fund a Buy?

grabiner wrote: but the lower risk of the G fund reduces the overall portfolio risk.

+1
by Ki_poorrichard
Mon Feb 23, 2015 1:38 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund a Buy?
Replies: 37
Views: 7034

Re: Vanguard Wellesley Income Fund a Buy?

peterantone wrote: 1. If you have 25 work years left before retirement, why not consider the Wellington fund which is the reverse of the Wellesley in terms of bonds versus stocks proportion but otherwise similar constituents per class of asset. Since you are in tax shelter account, you can re-balan...
by Ki_poorrichard
Sun Feb 22, 2015 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund a Buy?
Replies: 37
Views: 7034

Re: Vanguard Wellesley Income Fund a Buy?

Taylor wrote: Thank you for your quick reply.
Your welcome.
by Ki_poorrichard
Sun Feb 22, 2015 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund a Buy?
Replies: 37
Views: 7034

Re: Vanguard Wellesley Income Fund a Buy?

Taylor,
I have the Vanguard app on my Iphone and there is a "s" icon next to certain funds, which is their select funds. There is a page where you can see the list too.
by Ki_poorrichard
Sun Feb 22, 2015 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund a Buy?
Replies: 37
Views: 7034

Re: Vanguard Wellesley Income Fund a Buy?

Tax-advantaged account .. Roth IRA.
by Ki_poorrichard
Sun Feb 22, 2015 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund a Buy?
Replies: 37
Views: 7034

Vanguard Wellesley Income Fund a Buy?

I know this topic has been beaten to death by now, but one more whack at it. I've read most of the past posts on it. Now, I'm debating whether I should pull the trigger on this fund to use as a my "core" bond fund holding. I like the strategy behind it .. more so with the small tilt in value stocks....
by Ki_poorrichard
Sat Feb 21, 2015 9:55 pm
Forum: Investing - Theory, News & General
Topic: [What to do at] Market Top
Replies: 60
Views: 7824

Re: [What to do at] Market Top

livesoft wrote: In such cases, the stay-the-course procedure would be to sell equities and buy fixed income.
+1
by Ki_poorrichard
Sat Feb 21, 2015 9:31 pm
Forum: Investing - Theory, News & General
Topic: When 60/40 just isn't appropriate
Replies: 182
Views: 30600

Re: When 60/40 just isn't appropriate

scone wrote: I think the 30/70 portfolio, with a 2.5% withdrawal rate, will go through hell and high water.
+1
by Ki_poorrichard
Sat Feb 21, 2015 9:31 pm
Forum: Investing - Theory, News & General
Topic: When 60/40 just isn't appropriate
Replies: 182
Views: 30600

Re: When 60/40 just isn't appropriate

Message deleted.
by Ki_poorrichard
Sat Feb 21, 2015 9:12 pm
Forum: Investing - Theory, News & General
Topic: [What to do at] Market Top
Replies: 60
Views: 7824

Re: [What to do at] Market Top

heyyou wrote: Having bought at market highs in the 1980s, continuing with periodic purchases for the next three decades worked well. Good luck to you. Have you ever thought about us or the world being in uncharted territory? All I know is that I get a real uncomfortable feeling about it all. 18 tri...
by Ki_poorrichard
Sun Feb 01, 2015 6:23 pm
Forum: Investing - Theory, News & General
Topic: Buy High, Sell Low : Avoid Market Timing
Replies: 32
Views: 4222

Re: Buy High, Sell Low : Avoid Market Timing

Toons wrote: Simply Put,Be fearful when others are greedy. Be greedy when others are fearful."Buffett Better yet, "Long ago, Sir Isaac Newton gave us three laws of motion, which were the work of genius. But Sir Isaac's talents didn't extend to investing: He lost a bundle in the South Sea Bubble, ex...
by Ki_poorrichard
Sun Feb 01, 2015 5:36 pm
Forum: Investing - Theory, News & General
Topic: Buy High, Sell Low : Avoid Market Timing
Replies: 32
Views: 4222

Re: Buy High, Sell Low : Avoid Market Timing

mbk wrote: I actually prefer the market to tank, it's like a black friday sale on stocks! Be careful on what you wish for... it just might happen but long, hard, and relentlessly. We live in a crazy world.. anything is possible and nothing is guaranteed especially in investing. That's my personal t...