Search found 351 matches

by Presintense
Sat May 30, 2020 1:02 pm
Forum: Investing - Theory, News & General
Topic: Is this the end of risk parity?
Replies: 60
Views: 4470

Re: Is this the end of risk parity?

whodidntante wrote:
Mon Mar 09, 2020 6:55 pm
vipertom1970 wrote:
Mon Mar 09, 2020 6:53 pm
best hedge for me is : paid off mortgage, zero debt, low monthly expenses, 3 years for emergency and stay 100% in equities.
That's not even close to 100% equities.
+1
by Presintense
Thu Apr 30, 2020 5:25 pm
Forum: Personal Consumer Issues
Topic: Why doesn't Porsche have better resale value?
Replies: 50
Views: 5393

Re: Why doesn't Porsche have better resale value?

Because most people who can afford a Porsche want and can afford to pay for new , used is just not appealing to them and the market reacts accordingly . That’s only partly true. It’s probably accurate for their SUVs, but enthusiasts who buy cayman and 911 will buy different generations that appeal ...
by Presintense
Thu Apr 30, 2020 5:23 pm
Forum: Personal Consumer Issues
Topic: Why doesn't Porsche have better resale value?
Replies: 50
Views: 5393

Re: Why doesn't Porsche have better resale value?

I was looking at new Porsche's (Cayenne, Macan) along with some used ones. It seems like the Porsche resale value is not as good as Toyota or Honda. Does anyone know why? My best guess is because they are expensive to repair and maintain? Definitely check out the values of 993’s, 964’s and earlier....
by Presintense
Tue Apr 28, 2020 11:46 am
Forum: Personal Investments
Topic: How are the "100% Stocks" people doing?
Replies: 137
Views: 11395

Re: How are the "100% Stocks" people doing?

I suppose all of the people who are “100% percent stocks” have no savings, home equity, emergency fund, cd’s, jar of pennies, etc. ? I've always thought of 100% stocks as basically having stocks and then some (less than 10%) allocation of cash and NO bonds or CDs. Most everyone has a checking accou...
by Presintense
Tue Apr 28, 2020 7:24 am
Forum: Personal Investments
Topic: How are the "100% Stocks" people doing?
Replies: 137
Views: 11395

Re: How are the "100% Stocks" people doing?

I'm still 100% stocks and bought more when stocks dropped :confused If you were already 100% how could you buy more? Exactly. Margin, CC's, HELOC to quote another user. I guess you could also sell off some of your belongings, get a windwall, tax return, or work more and increase salary. I suppose a...
by Presintense
Mon Apr 27, 2020 1:18 pm
Forum: Personal Investments
Topic: How are the "100% Stocks" people doing?
Replies: 137
Views: 11395

Re: How are the "100% Stocks" people doing?

DaftInvestor wrote:
Wed Apr 22, 2020 3:10 pm
spottedchococow wrote:
Wed Apr 22, 2020 3:06 pm
I'm still 100% stocks and bought more when stocks dropped
:confused If you were already 100% how could you buy more?
Exactly.
by Presintense
Mon Apr 20, 2020 8:29 am
Forum: Personal Investments
Topic: I'm out [of the market]
Replies: 109
Views: 11843

Re: I'm out [of the market]

So Friday I decided to pull the plug and sold all stock and bound funds and put it in prime money mkt. Of course my Vanguard advisor discouraged me from taking this action. I had been invested in approx. 33% cash, 33% bonds, and 33%funds. Down approx 6% this year. The way I look at it is my wife an...
by Presintense
Sun Apr 19, 2020 12:51 pm
Forum: Investing - Theory, News & General
Topic: Crisis Lessons (My list)
Replies: 50
Views: 4467

Re: Lessons learned from Pandemic

What lessons have you learned about investing, your risk tolerance or anything from this pandemic? I’ll start. I learned that when panic sets in all assets correlate close to 1 as they decline. The only “safe” asset is Treasuries. I saw US, International, EM equities all decline. I saw corporate bo...
by Presintense
Sat Apr 18, 2020 8:16 am
Forum: Personal Investments
Topic: Is it a good idea to dollar cost average $1,000,000 into stocks and bonds over the next 2 years?
Replies: 26
Views: 2194

Re: Is it a good idea to dollar cost average $1,000,000 into stocks and bonds over the next 2 years?

Would it be potentially a good idea...? Personally, I think it’s a good idea that an investor has his or her resources allocated according to their risk tolerance. If this person’s overall allocation is currently significantly underweight on stocks, bonds, etc., I suggest they “rebalance” and see n...
by Presintense
Tue Apr 14, 2020 8:15 am
Forum: Personal Investments
Topic: Boglehead has strayed. How to get back in the market?
Replies: 51
Views: 5848

Re: Boglehead has strayed. How to get back in the market?

It sounds like you are already “kicking yourself” a little bit. It sounds as if you are so focused on timing your way back to a passive indexing approach that you can’t do either. If you believe in passive index investing and that is what you want to practice then why not set your allocation, inves...
by Presintense
Sat Apr 11, 2020 9:22 am
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17135

Re: What will you do first, once COVID pandemic is over?

Immediately start preparing for Covid 2.0 Don’t forget Y3K. It’s coming. Unix end of time is coming in 2038. There will always be big scary problems to solve. All 32 bit computers running UNIX/Linux type OSs typically store their time as number of seconds since Jan1, 1970. In 2038, all of these sys...
by Presintense
Fri Apr 10, 2020 4:44 pm
Forum: Personal Investments
Topic: Complete amateur with advisor problems
Replies: 21
Views: 1865

Re: Complete amateur with advisor problems

Welcome. You are on the right track here and have gotten some great advice. Possibly the best of which is to keep things on hold for a little bit until you understand the information (if you don't already) in the links that Sandtrap and others have provided. I met a guy who told me "When you get to ...
by Presintense
Fri Apr 10, 2020 8:39 am
Forum: Personal Investments
Topic: Boglehead has strayed. How to get back in the market?
Replies: 51
Views: 5848

Re: Boglehead has strayed. How to get back in the market?

I would kick myself if I lump summed the money right before a second crash. But I would also kick myself if I contributed too slowly only to miss a fast recovery, or to got fully invested right before a crash in the fall etc. Which method would be easier on the nerves? It sounds like you are alread...
by Presintense
Thu Apr 09, 2020 7:51 am
Forum: Personal Consumer Issues
Topic: Outside of stocks, what else is a screaming good deal now?
Replies: 64
Views: 7087

Re: Outside of stocks, what else is a screaming good deal now?

watchnerd wrote:
Wed Apr 08, 2020 8:46 pm
Stocks are a screaming good deal?

They're the same price as a year ago. Doesn't seem cheap to me.
Exactly. Thank you for posting some truth amongst the hysteria.
by Presintense
Thu Apr 09, 2020 7:45 am
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17135

Re: What will you do first, once COVID pandemic is over?

Keenobserver wrote:
Sun Apr 05, 2020 11:16 am
Immediately start preparing for Covid 2.0
Don’t forget Y3K. It’s coming.
by Presintense
Wed Apr 08, 2020 4:14 pm
Forum: Investing - Theory, News & General
Topic: Head Fakes and Dead Cats .. your thoughts on the rally?
Replies: 386
Views: 32141

Re: Head Fakes and Dead Cats .. your thoughts on the rally?

My opinion.. I just don't see anything meriting the climb from the bottom we have seen so far. I don't think we have a glimpse of the carnage to the economy as of now, and the down draft shock and awe is yet to be replaced by a steady grind down based on to be reported earnings going forward. What'...
by Presintense
Sun Apr 05, 2020 11:56 am
Forum: Personal Investments
Topic: Advice for a 26 year old with $400k cash
Replies: 76
Views: 4894

Re: Advice for a 26 year old with $400k cash

What we are seeing in this market is only mostly similar to the 1930s great depression but 2020 is the fastest decline ever. These scenarios are a generational type of event and the 08-09 pales in comparison. Frankly, we were due not only for a recession but something like this anyways. We are almo...
by Presintense
Sun Apr 05, 2020 8:41 am
Forum: Personal Investments
Topic: Advice for a 26 year old with $400k cash
Replies: 76
Views: 4894

Re: Advice for a 26 year old with $400k cash

I’m debating myself about the following options: 1. Invest the whole $400k in an index fund (market is almost -30% right now) (will probably DCA througout this bearmarket then) and rent an appartment until I’ll sentle down with my GF (5-7 years from now) and buy a house with her. Having to pay rent...
by Presintense
Fri Apr 03, 2020 8:30 am
Forum: Investing - Theory, News & General
Topic: Is the coming pain really "priced in"?
Replies: 201
Views: 18960

Re: Is the coming pain really "priced in"?

The S&P 500 is currently at early-2019 levels. That doesn't seem that disastrous, for one of the biggest crises in U.S. history. So is the coming pain really priced in at current levels? The coming pain will be: even more massive debts than before, small businesses defaulting on loans and shutting ...
by Presintense
Fri Apr 03, 2020 8:20 am
Forum: Investing - Theory, News & General
Topic: Why don't all investors go 100% stocks
Replies: 72
Views: 5146

Re: Why don't all investors go 100% stocks

When the markets correct, you will have larger paper losses; however, in times of prosperity you will have larger gains. Seems to balance out and also provides the investor with the largest returns in the long term. Why not just stay 100% equities and stop watching the market? Why choose products t...
by Presintense
Thu Apr 02, 2020 1:41 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 472
Views: 16316

Re: Bird watchers – what birds are you seeing?

With sports seasons being canceled, many people are turning to bird watching as a substitute. In fact, I read about an individual who has began to count the number of worms he sees pulled by birds from his lawn. At the time of his post it was 5-3 with the blue jays leading the cardinals. :D
by Presintense
Fri Mar 20, 2020 12:44 pm
Forum: Personal Investments
Topic: Want to say thanks and another ?
Replies: 11
Views: 744

Re: Want to say thanks and another ?

I'm just very thankful for this website, forum, and all who post here. I'm so ignorant but learning. You guys rock. Well, most of ya. :wink: I'm thinking it's a good time in the coming weeks to open up a Roth IRA. I have a 401 through work and wife has an IRA and a 401 through work. We don't have a...
by Presintense
Wed Mar 18, 2020 12:30 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128970

Re: Glad I stocked up on food and supplies.

“Killing” is not meant to be taken as literal. That’s my mistake and I understand why in this circumstance it would have been interpreted that way. I have not been inconvenienced to date. I feel for those who have and find it somewhat unnecessary. I understand the concept of reduced social contact ...
by Presintense
Wed Mar 18, 2020 7:45 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128970

Re: Glad I stocked up on food and supplies.

Who else planed ahead? Grocery stores are running out of food in my area about 1/2 the shelves are empty in some stores. I work for a very large food distribution Warehouse and our inventory has never been this low either. Have you thought about the fact that the only reason shelves are empty is be...
by Presintense
Tue Mar 17, 2020 7:03 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128970

Re: Glad I stocked up on food and supplies.

Who else planed ahead? Grocery stores are running out of food in my area about 1/2 the shelves are empty in some stores. I work for a very large food distribution Warehouse and our inventory has never been this low either. Have you thought about the fact that the only reason shelves are empty is be...
by Presintense
Tue Mar 17, 2020 6:08 pm
Forum: Personal Investments
Topic: New Investor
Replies: 8
Views: 226

Re: New Investor

I am a college student who had earned income last year of approx $1500. My dad is helping me start an investment account. It seems like a bad time to invest but my dad says that it is a great time. I will open a ROTH IRA. My dad will help me fund it (up to my earned income). I am looking for sugges...
by Presintense
Tue Mar 17, 2020 5:59 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128970

Re: Glad I stocked up on food and supplies.

Who else planed ahead? Grocery stores are running out of food in my area about 1/2 the shelves are empty in some stores. I work for a very large food distribution Warehouse and our inventory has never been this low either. Have you thought about the fact that the only reason shelves are empty is be...
by Presintense
Tue Mar 17, 2020 5:52 pm
Forum: Personal Investments
Topic: Not savvy, lost a bunch, and scared
Replies: 31
Views: 2542

Re: Not savvy, lost a bunch, and scared

Hi, I am a single professional in my early 50s. Started professional career and saving/investing late (15ish years ago). Am not investing savvy (though I lead huge global projects, so I'm not dumb, just in this area!). I didn't want to look at my 401k, but curiosity got the better of me today. I'm ...
by Presintense
Tue Mar 17, 2020 8:04 am
Forum: Investing - Theory, News & General
Topic: Why all these timing threads?
Replies: 67
Views: 3526

Re: Why all these timing threads?

A core Boglehead philosophy is to never time the market and to stay the course. Why are so many people choosing this particular website to discuss timing? It’s a free country but it seems to me that’s like going to a Veganhead site to ask for hamburger grilling advice. :happy I believe it’s because...
by Presintense
Mon Mar 16, 2020 11:58 am
Forum: Personal Investments
Topic: Who is continuing to buy as planned?
Replies: 119
Views: 8146

Re: Who is continuing to buy as planned?

I just wanted to see who is staying the course? I am. A lot of panic here.... Disappointing isn't it? Talk about MM fund crashing, bonds crashing, stocks are going down too. This is "RISK". It shouldn't be a surprise to anyone. I started contributing into Wellesley Income Fund on January 1st 2020. ...
by Presintense
Mon Mar 16, 2020 8:10 am
Forum: Personal Investments
Topic: Thinking to switch bonds to stock
Replies: 11
Views: 913

Re: Thinking to switch bonds to stock

Looking for you guys to talk me out of this. I had set 30% of my existing asset to bonds because I couldn't stomach the emotional pain of a market crash. Now that we are in a middle of one, I'm thinking to switch all of my bonds (in 401k) to stocks (VTI and VXUS). I'm not touching the 401k until I'...
by Presintense
Mon Mar 16, 2020 7:56 am
Forum: Personal Consumer Issues
Topic: Buying a boat
Replies: 38
Views: 2202

Re: Buying a boat

Yes, I know the old saying about best and worst days. But I'm retiring in two months with more than enough to blow some on a boat. Looking for a bow rider/deck boat to do some fishing and teach my kids to wake board / waterski. Will only be used in fresh water with the exception of Mission Bay in S...
by Presintense
Mon Mar 16, 2020 7:49 am
Forum: Investing - Theory, News & General
Topic: $19 Trillion in Corporate Debt At Risk of Default
Replies: 167
Views: 11287

Re: $19 Trillion in Corporate Debt At Risk of Default

"In its most recent financial stability report, the International Monetary Fund raised the alarm about piles of risky corporate debt, which it said could amplify problems and deepen the next recession. The group conducted a stress test based on a hypothetical economic shock that's half as severe as...
by Presintense
Mon Mar 16, 2020 7:39 am
Forum: Investing - Theory, News & General
Topic: <deleted>
Replies: 85
Views: 7840

Re: Its going to get really bad, so I am Hedging - reducing stock exposure

The panic is fascinating lately on this board. I will remember this for a long time. Thank you Jack and bogleheads for helping me stay the course. +2 The panic is somewhat disappointing considering the forum. Everyone here should know that risk is real. Everyone here should be able to keep the big ...
by Presintense
Sun Mar 15, 2020 6:16 pm
Forum: Investing - Theory, News & General
Topic: <deleted>
Replies: 85
Views: 7840

Re: Its going to get really bad, so I am Hedging - reducing stock exposure

I am hedging, and am reducing my stock exposure significantly.. I believe that it is going get very bad and will have a deep impact on our consumer fueled economy and stock market.. Once I get through this, I will re-evaluate my financial plan, investments and how I manage it.. ...any chance you ov...
by Presintense
Sun Mar 15, 2020 6:04 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the gym ...
Replies: 210
Views: 12396

Re: Are you still going to the gym ...

during the epidemic? The front counter person told me there has been a drop-off and I was wondering if it's a good place to avoid for now? I would miss it if I stopped going. They have lots of hand sanitizer stations and sick folk tend not to go work out but .... I’m not going. This is a great oppo...
by Presintense
Sat Mar 14, 2020 6:15 pm
Forum: Personal Investments
Topic: My dad says I should pull out of the market before "they" steal it all
Replies: 113
Views: 8206

Re: My dad says I should pull out of the market before "they" steal it all

wojo8625 wrote:
Sat Mar 14, 2020 4:07 pm
but I should resist the advice and stay the course, eh?
Advice? Sounds like a lot of blaming, complaining and sour grapes to me.
by Presintense
Fri Mar 06, 2020 9:39 pm
Forum: Personal Investments
Topic: Where do I put my money now?
Replies: 16
Views: 1403

Re: Where do I put my money now?

Do I take out a loan with these incredibly low rates and put that money into equities? If you’re serious then I think you should. Im not sure what you mean, if im serious? I am here looking for the best avenue to put money with falling interest rates. I’m sorry for the short previous reply. What I ...
by Presintense
Fri Mar 06, 2020 8:15 pm
Forum: Personal Investments
Topic: Where do I put my money now?
Replies: 16
Views: 1403

Re: Where do I put my money now?

grendel54 wrote:
Fri Mar 06, 2020 7:27 pm
Do I take out a loan with these incredibly low rates and put that money into equities?

If you’re serious then I think you should.
by Presintense
Wed Mar 04, 2020 1:47 pm
Forum: Investing - Theory, News & General
Topic: Thanks Bogleheads
Replies: 33
Views: 2748

Re: Thanks Bogleheads

Jozxyqk wrote:
Tue Mar 03, 2020 1:55 pm
(...mainly due to the advice of this forum).
It’s a great refuge from the world’s most severe and longest lasting pandemic commonly known as emotional investing.
by Presintense
Wed Mar 04, 2020 1:31 pm
Forum: Personal Consumer Issues
Topic: Coronavirus: Why Are People Buying Water?
Replies: 61
Views: 4286

Re: Coronavirus: Why Are People Buying Water?

Sarcasm setting is at 90% Cooper. Because we must do something to face this coming apocalypse. Whether it actually makes sense is irrelevant. We must act and act now. The local Sam’s was out of Charmin this morning. We are a red bear family. The thought of using another brand has shaken us to the c...
by Presintense
Tue Mar 03, 2020 4:04 pm
Forum: Personal Consumer Issues
Topic: Should I sell my car?
Replies: 33
Views: 1667

Re: Should I sell my car?

I think I should not have bought a new car in first place. But, what is done is done. My question is should I sell my car? Does is make financial sense to sell now? Current situation: Two car household – 2009 SUV and a 2016 Sedan, no liens. DW is stay at home and drives the SUV. - Why did I buy a b...
by Presintense
Mon Mar 02, 2020 4:34 pm
Forum: Personal Investments
Topic: Million in Cash, Buy in? What would you do?
Replies: 78
Views: 6698

Re: Million in Cash, Buy in? What would you do?

If you’re interpreting the recent drop as some sort of unique opportunity to buy in then look back at December 21st 2018 and maybe recalibrate this “opportunity” a little. If you’re asking about the long term chances of your million dollars in assets that match you risk tolerance, then the prospect...
by Presintense
Mon Mar 02, 2020 8:49 am
Forum: Personal Investments
Topic: Hesitant to switch from Financial advisor - Please Help
Replies: 29
Views: 2405

Re: Hesitant to switch from Financial advisor - Please Help

adinvest03 wrote:
Sat Feb 29, 2020 11:15 pm
...Is now the time?
I think that regardless of what your allocation, risk tolerance, proposed investment instruments are, NOW is always the time to reduce your fees and the only time that is better than now is sometime before now.
by Presintense
Mon Mar 02, 2020 8:42 am
Forum: Investing - Theory, News & General
Topic: [Why aren't forum members following the "Stay the course" approach?]
Replies: 372
Views: 25767

Re: [Why aren't forum members following the "Stay the course" approach?]

[Title was "Disappointed in forum members" --admin LadyGeek] I expected more from the members on this forum. So many people asking about selling now and buying back in later and lots of people are agreeing it's a good idea. What happened to the Boglehead philosophy? Why be here if you don't believe...
by Presintense
Sun Mar 01, 2020 5:59 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 618
Views: 32619

Re: What are you listening to now

Scorpions Live
by Presintense
Sun Mar 01, 2020 5:54 pm
Forum: Personal Investments
Topic: How to handle 5M capital gain (post-IPO)
Replies: 130
Views: 15671

Re: How to handle 5M capital gain (post-IPO)

A company that I worked for when it was a very early stage startup had an IPO earlier this year. I've been holding restricted stock that is now liquid, and worth ~4.8M. After the IPO lock-out expired, I sold 30% to lock in some gain (and help myself sleep at night), and I'm trying to decide what to...
by Presintense
Sun Mar 01, 2020 5:33 pm
Forum: Personal Investments
Topic: Sell now and start buying back in 3 months
Replies: 80
Views: 6126

Re: Sell now and start buying back in 3 months

Hello Wise ones, We are novice investors in the high tax bracket about 33% (recently started investing since May 2019. We had $750K allocated towards investing and have an IDP to invest 70: 30 into the market. We have been putting away $30K/month in Taxable (VTSAX and VFWAX) and about $22K/month (V...
by Presintense
Sun Mar 01, 2020 1:47 pm
Forum: Investing - Theory, News & General
Topic: Now may be a good time to focus on your other interests
Replies: 23
Views: 1792

Re: Now may be a good time to focus on your other interests

Financial news is bad every day, stock markets are having large losses, a quick recovery almost forgone. If we end up having a bear market, followed by a recession, and daily downward spiral, then listening to more news, discussing actions posted by people every day, checking balances, and wonderin...
by Presintense
Sun Mar 01, 2020 1:45 pm
Forum: Investing - Theory, News & General
Topic: Are you glad to have bonds in your AA? I am.
Replies: 76
Views: 4726

Re: Are you glad to have bonds in your AA? I am.

well, that was quite a week... :? (*) over the past several months there have been threads about 'why bonds?' or 'how much bonds?'. here at the end of 'this week;' i can say i am glad to have bonds in my AA of 50/50 (or what used to be 50/50 :? ). if you have bonds in your AA this week, are you gla...