Search found 195 matches

by herpfinance
Sat Apr 21, 2018 9:23 am
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 142
Views: 8702

Re: I’m still not a fan of international bond funds

Yeah, I haven't looked into them that much but their extremely low yields kind of confuse me. In my mind, international = more risky, so therefore shouldn't an uninformed person expect international bond yields to be higher than our domestic bonds? :confused Central banks in the Eurozone, Japan, an...
by herpfinance
Mon Feb 19, 2018 12:40 pm
Forum: Investing - Theory, News & General
Topic: Using cFiresim
Replies: 14
Views: 1745

Re: Using cFiresim

cFIREsim used to be one of my favorite retirement planning tools, but now in the results they do not provide any data under statistics heading. So Firecalc has become more useful even though I don't like their interface as much. I noticed that change recently. At first I thought it was a bug in my ...
by herpfinance
Mon Feb 19, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: Using cFiresim
Replies: 14
Views: 1745

Re: Using cFiresim

cFIREsim used to be one of my favorite retirement planning tools, but now in the results they do not provide any data under statistics heading. So Firecalc has become more useful even though I don't like their interface as much. I noticed that change recently. At first I thought it was a bug in my ...
by herpfinance
Wed Feb 07, 2018 12:00 pm
Forum: Investing - Theory, News & General
Topic: When do you re-allocate?
Replies: 4
Views: 343

Re: When do you re-allocate?

Hypothetically, let's say that you have a domestic equities target of 50% in VTSAX. If unchanged it runs up to 51% after one month, 53% after one quarter, and 55% after one year. I'm curious about the different opinions of when you would re-allocate and shift some into bond funds. (I realize some o...
by herpfinance
Tue Feb 06, 2018 5:54 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6426
Views: 1378600

Re: U.S. stocks in freefall

It's smaller drops like these that reinforce my decision to not hold 100% equities :sharebeer
by herpfinance
Sat Feb 03, 2018 10:02 am
Forum: Investing - Theory, News & General
Topic: Blood in the water- buying?
Replies: 117
Views: 16322

Re: Blood in the water- buying?

The S&P 500 dropped by 4% over the last week or so. Fairly normal and nowhere close to blood in the streets.
by herpfinance
Fri Feb 02, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Multiple bank accounts - am I crazy?
Replies: 46
Views: 3782

Re: Multiple bank accounts - am I crazy?

As long as each account provides a reasonable benefit, I don't think it's crazy. I have access to checking accounts at three different banks. One bank I only used because it offered the best rates on a savings account, but I've since emptied my accounts there as that's no longer the case. Another ba...
by herpfinance
Wed Jan 31, 2018 4:00 pm
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 100
Views: 20836

Re: Bill Sharpe's preferred portfolio

Apart from his investments, Sharpe had interesting ideas years ago on how to allocate retirement funds, in 'lockboxes', a combination of a total market risk portfolio combined with a risk-free asset to be spent in each year of retirement. He said it's the optimal way to draw down funds and maximize...
by herpfinance
Sun Jan 28, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Feels dumb to hold bonds - Currently 70% Stocks 30% Bonds
Replies: 97
Views: 12936

Re: Feels dumb to hold bonds - Currently 70% Stocks 30% Bonds

Don't outsmart yourself. Stay the course. Absolutely nothing wrong with 30% bonds. If stocks only went up, there would be no such thing as bonds. Stocks do not always go up. When they go down (and fast) you will be wishing you had more bonds. So it goes. Stay at 30% until you go through your first ...
by herpfinance
Thu Jan 25, 2018 2:22 pm
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 77
Views: 9301

Re: The Power of Working Longer

Agreed, I had a post locked on here just last week where I pointed out an article showing that pooling suggests only 31% of us housholds could afford a single suprise $1000 bill. It makes me some time wonder just how much of a bubble we in boggelheads are living. I'm planning on saving and retiring...
by herpfinance
Sat Jan 20, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 190
Views: 34873

Re: What's your U.S. : International ratio?

Market cap-weighted, so fairly close to 50:50.
by herpfinance
Thu Jan 18, 2018 3:47 pm
Forum: Investing - Theory, News & General
Topic: MiFID II [European Union - Markets in Financial Instruments Directive]
Replies: 27
Views: 1945

Re: MiFID II [European Union - Markets in Financial Instruments Directive]

Also noteworthy is that the broker that banned buying US ETFs is alone in the Netherlands, I have yet to hear of other brokers in the Netherlands removing US ETFs from their platforms. Still, I am far from an expert on these matters, so I guess time will tell. Although I am based in Denmark, Nordne...
by herpfinance
Thu Jan 18, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage and DEGIRO ETFs - MiFID II
Replies: 5
Views: 1213

Re: Brokerage and DEGIRO ETFs - MiFID II

I have an account at DEGIRO and have been investing with them for a couple of years. If you have any questions, send me a PM and I'll be happy to elaborate in this thread.
by herpfinance
Sat Jan 13, 2018 8:26 am
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 171
Views: 18077

Re: How does everyone keep track of your portfolio?

I don't keep historical records, although sometimes I wonder if I should. The spreadsheet is mostly useful for helping me keeping track of my asset allocation. While I keep copies of all the monthly statements (in .PDF form on the computer), I never look at them. I update my spreadsheet monthly and...
by herpfinance
Sat Jan 13, 2018 8:06 am
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 171
Views: 18077

Re: How does everyone keep track of your portfolio?

oldcomputerguy wrote:
Sat Jan 13, 2018 7:40 am
VAslim16 wrote:
Sat Jan 13, 2018 5:31 am
herpfinance wrote:
Tue Oct 17, 2017 8:32 am
Good old Excel spreadsheet.
+1
+1
+1 :D

I don't keep historical records, although sometimes I wonder if I should. The spreadsheet is mostly useful for helping me keeping track of my asset allocation.
by herpfinance
Sat Jan 06, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Is it time for me to get my 401K out of the stock market?
Replies: 24
Views: 4100

Re: Is it time for me to get my 401K out of the stock market?

Reduce your equities if you feel uncomfortable with your risk level but you should always have some stocks. An adage attributed to John Bogle is to keep your AA between 75/25 and 25/75 throughout your life, adjusted according to age and risk tolerance. Wouldn't that be an adage to Benjamin Graham? ...
by herpfinance
Sat Jan 06, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Is it time for me to get my 401K out of the stock market?
Replies: 24
Views: 4100

Re: Is it time for me to get my 401K out of the stock market?

Nope. It is not time for you to get your 401K out of the stock market. You can still declare victory though. +1. It would be unwise to leave the stock market entirely, but it's sensible to re-consider your willingness, ability, and need to take risk given that you have almost reached your goals (if...
by herpfinance
Sat Jan 06, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 719
Views: 192350

Re: Share your net worth progression

Go Blue 99 wrote:
Sat Jan 06, 2018 10:55 am
You know you're on Bogleheads when 38 is considered late to hit 2 comma status ;-)
No kidding! I hit $200k last year and being in my early 30's, I think I'm doing very well as compared to the general population.
by herpfinance
Wed Jan 03, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 719
Views: 192350

Re: Share your net worth progression

I’m an obsessive recordkeeper like many Bogleheads and have tracked quarterly net worth since I was 25 years old. I stopped tracking everything for about a year in 2008 and 2009 because it was so painful. I only know my numbers because years later I went back and filled in the blanks. It was very p...
by herpfinance
Sat Dec 30, 2017 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 719
Views: 192350

Re: Share your net worth progression

tuningfork wrote:
Sat Dec 30, 2017 12:35 am
2007: $1.7M (peak before the great recession)
2009: $983K (bottom, what a ride!)
2009: $1M (rejoined the 2 comma club)
Yikes! Were you fully invested in equities at the time?

At any rate, very impressive progress!
by herpfinance
Mon Dec 25, 2017 7:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Present to You
Replies: 90
Views: 8762

Re: My Christmas Present to You

Merry Christmas, Taylor!
by herpfinance
Wed Dec 20, 2017 11:55 am
Forum: Investing - Theory, News & General
Topic: 2nd million is easier!
Replies: 123
Views: 24468

Re: 2nd million is easier!

I realize this post might be perceived as a humblebrag so please accept my apologies in advance. Financial milestones are not something I can really celebrate/share with family or friends. I am 51 years old and it took me until age 47 to accumulate over 1 million in my investment accounts. It only ...
by herpfinance
Sun Dec 17, 2017 8:27 am
Forum: Investing - Help with Personal Investments
Topic: 28 Years Old: In the current market, what % into bonds?
Replies: 56
Views: 4164

Re: 28 Years Old: In the current market, what % into bonds?

I'm probably more risk averse than most in this thread and so I have a retirement allocation of 75/25. If you include all assets (car savings, emergency fund, checking account), I'm at roughly 60/40. I'm in my early 30's. It's an allocation that prevents me from worrying about investments too much. ...
by herpfinance
Tue Dec 12, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Best solution for digitizing documents?
Replies: 43
Views: 3945

Re: Best solution for digitizing documents?

Scanner Pro by Readdle is an awesome app that can save to a bunch of places including dropbox, Gdrive etc. Try it out you will love it. No need to buy expensive scanners. Edit: My crisp response sounded like I work for them but no :-). So I am editing my response. I have been using that app for the...
by herpfinance
Mon Dec 11, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 18073

Re: Save all this money, what do you splurge on?

I can say with complete honesty that I really don't splurge on anything. I'm quite the cheapskate :mrgreen:

That doesn't mean that everything has to be dirt cheap, but rather that getting good value for my money is the most important thing.
by herpfinance
Fri Oct 27, 2017 2:06 pm
Forum: Investing - Theory, News & General
Topic: 91, 01, 09. Then 19? [Year for next market crash]
Replies: 27
Views: 2852

Re: 91, 01, 09. Then 19?

My prediction is that we will almost certainly have a market crash at some point in the future.
by herpfinance
Thu Oct 26, 2017 3:49 pm
Forum: Investing - Theory, News & General
Topic: [Germany only] Vanguard ETFs now available on XETRA
Replies: 7
Views: 1100

Re: [Germany only] Vanguard ETFs now available on XETRA

As an investor based in Denmark, this is something that I appreciate as well.

I'll have to check my brokers in order to see if additional ETF's have become available. I currently do not use Vanguard ETF's as they have not been as easy to access as other providers.
by herpfinance
Tue Oct 17, 2017 8:12 am
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 13389

Re: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17

Sound advice from Mr. Bogle.

I have no plans to change asset allocation at this time, as stocks are still much more attractive on a valuation basis than bonds. Additionally, I already lean conservative.
by herpfinance
Sat Aug 12, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: How to not obsess over investments?
Replies: 46
Views: 4716

Re: How to not obsess over investments?

I'm taking a step back and reading more on coming up with a definitive investment plan. Do I want to tilt towards small/mid caps? What should my asset allocation be given my risk tolerance? What portion of my holdings do I want in International Funds? These are questions that should have been explo...
by herpfinance
Thu Aug 10, 2017 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 179
Views: 20428

Re: Tesla - next big lottery ticket ?

A unprofitable business with its stock selling at very lofty valuations? Not something I'd take the odds on.

It's a lottery ticket. As long as you acknowledge that for buying a basket of these, your odds are high of coming out with a loss, I say go ahead.
by herpfinance
Fri Jul 21, 2017 11:43 am
Forum: Investing - Help with Personal Investments
Topic: 28yr old - retirement portfolio - denmark
Replies: 14
Views: 1929

Re: 28yr old - retirement portfolio - denmark

but if i look at the eunl (iwda) in usd vs eur on my platform, then usd is ytd 12,54% and eur ytd is 0,81% for is3n (emim) it is usd 23,37% vs 11,55% they all hv the same isin behind them (iwda IE00B4L5Y983 - emim IE00BKM4GZ66) so obviously its becayse of the currency of the fund - but then surely ...
by herpfinance
Wed Jul 19, 2017 3:52 pm
Forum: Investing - Theory, News & General
Topic: Stocks just got cheaper... per Vanguard [sudden change in Vanguard fund P/Es]
Replies: 29
Views: 5032

Re: Stocks just got cheaper... per Vanguard [sudden change in Vanguard fund P/Es]

Why do you say this? I understand the issues with forward earnings. However it is my understanding that forward earnings have more predictive value than backwards earnings. Looking forward in the fog instead of driving by the rear view mirror sort of thing. Forward earnings are more often than not ...
by herpfinance
Tue Jul 11, 2017 4:06 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 719
Views: 192350

Re: Share your net worth progression

Pretty fun to dig up your old posts. I made this one just last year in a thread about hitting your first $100k. I hit that milestone last year. I don't remember if it was before or after my birthday, so either at age 30 or 31. I feel pretty confident saying that I will reach 200k before age 35. Well...
by herpfinance
Fri Jul 07, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: 28yr old - retirement portfolio - denmark
Replies: 14
Views: 1929

Re: 28yr old - retirement portfolio - denmark

Hi hojlund88 Nice to see another dane on the forum! I don't believe there's many of us around. I believe iShares Global AAA-AA Govt Bond UCITS ETF is not currency-hedged? If so, you should factor currency risk into the equation as well as it will lead to increased volatility. I prefer not taking cur...
by herpfinance
Wed Jul 05, 2017 7:17 am
Forum: Investing - Help with Personal Investments
Topic: A Better Version Of The Warren Buffett 90/10 Portfolio?
Replies: 19
Views: 3792

Re: A Better Version Of The Warren Buffett 90/10 Portfolio?

When experts evaluate portfolios, they assess total return, which is expected appreciation plus dividend yield. High dividend strategies do not outperform total return strategies. It's equivalent to liquidate the appreciated shares to match the desired % return. The difference is only emotional/beh...
by herpfinance
Sun Jun 18, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 45845

Re: Regret early retirement/downsizing

Different people are different. If I had had the money, I could have happily retired at age 24. I'm a creative person who can write, make music, pursue publishing and countless other projects. I don't get my energy or motivation from social situations or other people. I don't need or want validatio...
by herpfinance
Sat Jun 17, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 719
Views: 192350

Re: Share your net worth progression

I'm still very much at the beginning of my journey, but here are a couple of milestones:

$100k September 2014
$150k July 2016

$195k today.

I'm in my early 30's.
by herpfinance
Thu Jun 15, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Privacy vs $$$$
Replies: 31
Views: 4731

Re: Privacy vs $$$$

runner3081 wrote: Fake phone number and fake email address.

All of our frequent shopper accounts, etc are done that way.

Problem solved.

And no, I am not bothered by giving up my privacy in certain situations, but still give out fake info.
Why haven't I considered that before? What a simple and great idea!
by herpfinance
Thu Jun 15, 2017 5:20 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Stocks, Bonds, & Risk
Replies: 61
Views: 7125

Re: Larry Swedroe: Stocks, Bonds, & Risk

I remember Bob Brinker long ago commenting that a 50/50 portfolio would make 80% of the gains that a 100% equity portfolio makes. I think this fits perfectly with my posts on volatility drag / portfolio efficiency. Dave Unless he was implying on a CAGR-basis, that seems highly questionable to me. D...
by herpfinance
Thu Jun 15, 2017 4:44 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Stocks, Bonds, & Risk
Replies: 61
Views: 7125

Re: Larry Swedroe: Stocks, Bonds, & Risk

I remember Bob Brinker long ago commenting that a 50/50 portfolio would make 80% of the gains that a 100% equity portfolio makes. I think this fits perfectly with my posts on volatility drag / portfolio efficiency. Dave Unless he was implying on a CAGR-basis, that seems highly questionable to me. D...
by herpfinance
Wed Jun 14, 2017 3:13 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Stocks, Bonds, & Risk
Replies: 61
Views: 7125

Re: Larry Swedroe: Stocks, Bonds, & Risk

Clear, concise, and straight to the point. The lesson from Pascal’s wager is that the consequences of decisions should dominate the probabilities of outcomes, no matter your estimate of the odds. That is why the prudent strategy for investors who have reached the point where their marginal utility o...
by herpfinance
Mon Jun 12, 2017 3:36 pm
Forum: Investing - Theory, News & General
Topic: Ok reasons for a 37 year old to have a 60/40 mix?
Replies: 61
Views: 9507

Re: Ok reasons for a 37 year old to have a 60/40 mix?

I'm in my early 30's and when taking every single account into question, 60/40 is roughly my allocation. If you exclude short term savings for a car, the equity portion is a bit higher. I agree with most of your points, too, and unless there's a major life change, I plan to stick with the allocation...
by herpfinance
Fri Jun 09, 2017 11:48 am
Forum: Investing - Theory, News & General
Topic: Jim Rogers predicting "crash of a lifetime" this year or next
Replies: 89
Views: 13742

Re: Jim Rogers predicting "crash of a lifetime" this year or next

My prediction is that we will have a crash either this year, or next year, or the year after next year, or..
by herpfinance
Thu Jun 01, 2017 3:16 am
Forum: Investing - Theory, News & General
Topic: Does anyone treat taxable as a "someday fund"?
Replies: 86
Views: 7942

Re: Does anyone treat taxable as a "someday fund"?

As a non-US investor without access to tax free shelters but with access tax advantaged shelters that generally cannot be accessed without significant tax penalties before retirement age, I keep two separate portfolios - one in tax-advantaged accounts and one in taxable, the latter of which is more ...
by herpfinance
Tue May 30, 2017 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Young EU Investor
Replies: 71
Views: 6810

Re: Young EU Investor

Thanks Valuethinker! Makes much more sense to me now. No free lunch to be had in this case.
by herpfinance
Tue May 30, 2017 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Young EU Investor
Replies: 71
Views: 6810

Re: Young EU Investor

At the risk of thread hijacking and slight gravedigging, I'm going to ask a question in this thread. I see that the short term gilts IGLS have YTM of 0.19%, thats not even enough to cover the 0.2% TER of the ETF.. What is your internal motivation for keeping them? US treasuries hedged to GBP with si...
by herpfinance
Mon May 29, 2017 9:02 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1821
Views: 325582

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

I'm in the same boat as NiceUnparticularMan. I have investments at a handful of banks/brokers and with varying contributions, it would be a real headache to figure out the return. That said, as just about all of the asset classes that I invest in have had positive returns this year and my AA is rath...
by herpfinance
Sun May 28, 2017 5:27 pm
Forum: Investing - Theory, News & General
Topic: Why Are U.S. Stocks So Expensive Today?
Replies: 41
Views: 6107

Re: Why Are U.S. Stocks So Expensive Today?

To me this is a powerful argument for world-wide diversification. I believe that U.S. Stock Market valuations are stretched, but not irrationally so. Higher P/E's are not unexpected in a low interest rate environment. Simplegift wrote a great post, I have concern that we are going to a new "paradig...
by herpfinance
Thu May 25, 2017 5:50 am
Forum: Investing - Theory, News & General
Topic: Market News Feeds Worth Reading?
Replies: 22
Views: 2578

Re: Market News Feeds Worth Reading?

For a long term buy and hold investor, market news are generally not worth bothering with.

Tune out the noise!

On a slightly related note, I do like following a couple of blogs. For instance Wealth Logic Newsletter by Allan Roth.