Search found 59 matches

by mushyyy
Sun May 10, 2020 3:39 pm
Forum: Investing - Theory, News & General
Topic: Will "work from home" destroy the commercial real estate market?
Replies: 169
Views: 13080

Re: Will "work from home" destroy the commercial real estate market?

Many people here said WFH has worked.
Have you seen any studies that confirm an increase or flat productivity vs. pre Covid?

Furthermore, how are companies measuring employees productivity during a WFH situation?
by mushyyy
Tue May 05, 2020 5:53 am
Forum: Personal Finance (Not Investing)
Topic: Years of service
Replies: 5
Views: 701

Years of service

Having gone through a recent company restructuring, the severance packages were great for people with long tenure in the company.

Has anyone negotiated to maintain the years of service when changing job/company?
by mushyyy
Fri May 01, 2020 9:07 am
Forum: Personal Investments
Topic: Slightly overweighting small-caps?
Replies: 33
Views: 1309

Re: Slightly overweighting small-caps?

Any small tilt won’t change the performance of the total portfolio.

If SCV is 10% of the portfolio and it outperform the stock by 10% a year, your overall portfolio will outperform only 1%.

If you want to capture the benefits, SCV has to be a significant part or the portfolio
by mushyyy
Tue Feb 11, 2020 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Virtual vs. Physical money
Replies: 26
Views: 1277

Virtual vs. Physical money

I have the impression that my emotions differ greatly between losses and gains when they are physical rather than virtual. Spending 100$ with a credit card means almost nothing, but If I pay 100$ in cash, i feel a much bigger “pain”. Equally, fluctuations in the thousands in my investment accounts a...
by mushyyy
Wed Sep 18, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 34513

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Who subsidizes the pension of 100k/year with only 11k/year contribution? It’s considered a benefit, not a subsidy. The terminology matters. But who pays for the benefit? Other teachers? The state? I’m curious, because these types of pension are never seen in the private world, according to my knowl...
by mushyyy
Mon Apr 22, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: corporate conference - seeking help
Replies: 9
Views: 845

Re: corporate conference - seeking help

Well, the message I won't to pass is not the negative one: we give you less but we ask for more.
The message is genuinely positive and is to sit together and learn ways to make the most with what we have.
by mushyyy
Mon Apr 22, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: corporate conference - seeking help
Replies: 9
Views: 845

Re: corporate conference - seeking help

This is going to come across as more snarky than I intend. If you’re asking people to do more and more with less and less, the first thing I’d think of if I were invited to a conference would be, “couldn’t you think of a better use of the limited resources than a conference?” I attended many “off s...
by mushyyy
Sun Apr 21, 2019 4:13 am
Forum: Personal Consumer Issues
Topic: corporate conference - seeking help
Replies: 9
Views: 845

corporate conference - seeking help

As many of you have been or are currently employed in big companies, I'd like to tap into the collective BH for a personal challenge. I work in a SP500 company and will have to create the most inspiring and engaging conference for our external partners. these partners are currently frustrated, becau...
by mushyyy
Tue Mar 26, 2019 3:35 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1411
Views: 190387

Re: Post your Financial Milestone Announcements Here

no specific milestone, just turning 30. Accumulated slightly more than 600k in the old fashion way. Despite being a novice here, I recently realized that the real value of investing regularly (aka monthly) is in habit formation. You psycologically get used to market fluctuations and you progressivel...
by mushyyy
Fri Jan 11, 2019 3:55 pm
Forum: Personal Investments
Topic: How to read a fund's annual report
Replies: 0
Views: 212

How to read a fund's annual report

Hi All, I struggle to read the following ETF annual report: Lyxor FTSE EPRA/NAREIT Global Developed https://www.lyxoretf.co.uk/en/instit/products/equity-etf/lyxor-ftse-epranareit-global-developed-ucits-etf-dist-eur/lu1832418773/eur In particular, I'm looking at the ratio "dividends received/ dividen...
by mushyyy
Sun Oct 07, 2018 1:44 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 155
Views: 14819

Re: What is your annual cost for health insurance?

I live and work in switzerland, where health costs are also skyrocketing, but nothing in comparison to what you guys are facing. There is something broken in the system.

I pay 420/month, with 2500 deductible and max 700 OOP.
Single, 29y.
by mushyyy
Tue Sep 11, 2018 2:23 pm
Forum: Personal Investments
Topic: Going off-track of asset allocation due to high savings rate
Replies: 47
Views: 3331

Re: Going off-track of asset allocation due to high savings rate

Why don’t you consider a tilt to Value equities if you are looking to add “cheap” companies? World value equities stand at P/E 15: https://www.msci.com/documents/10199/25465a5a-d52c-4bec-b5ed-a7b56eca8e0d In any case, sticking to your funds when they underperforming is tough, but might be the secret...
by mushyyy
Wed Sep 05, 2018 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Baby on the way - Will/Trust needed?
Replies: 11
Views: 1535

Re: Baby on the way - Will/Trust needed?

Bumping it up to ask a related question:

Most of my assets are in interactive broker, which has a function where I can set a beneficiary of the assets.

Do I still need a will?
by mushyyy
Thu Aug 09, 2018 12:04 pm
Forum: Personal Investments
Topic: When is a small etf too small?
Replies: 6
Views: 727

Re: When is a small etf too small?

Let’s take one example:
- Spdr global small cap ( WDSC symbol). Closing price 76. Avg daily volume: 1.8k shares.

For my needs, this is one of the best ETF for small capa globally. But the average volume is quite low.
by mushyyy
Thu Aug 09, 2018 12:46 am
Forum: Personal Investments
Topic: When is a small etf too small?
Replies: 6
Views: 727

When is a small etf too small?

Being a proponent of factors tilt for a portfolio, I see that many factor-focused etfs (value, small etc) are smaller in terms of AUM, which normally translates in a low avg daily transition, which can be used a proxy for liquidity of th fund. Assuming we have a position of 100 shares. What is the m...
by mushyyy
Tue Jul 24, 2018 2:09 am
Forum: Non-US Investing
Topic: European investor: Is this the best choice of etf's? Wiki updated with new ones!
Replies: 32
Views: 2429

Re: European investor: please comment on choice of etf's

These are the exact same etfs I have in my portfolio, they are great. I don’t think for european investors can get any better.

I don’t have the bonds one though, as currently I’m sitting at 100% equity.

Have you considered REITs?
by mushyyy
Mon Jul 23, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Real estate partnership
Replies: 14
Views: 1195

Re: Real estate partnership

Thanks for thr useful comments, there isn’t one size fits all.

One doubt: should I pay the work of my friend or shall he do everything for “free” (he pays manhours and materials)?
by mushyyy
Mon Jul 23, 2018 6:42 am
Forum: Personal Finance (Not Investing)
Topic: Real estate partnership
Replies: 14
Views: 1195

Re: Real estate partnership

I came here to learn from others, to find out if there is a standard agreement for situations like this.

He knows how to renovate a house, he lacks the capital to do it on his own.
by mushyyy
Mon Jul 23, 2018 1:36 am
Forum: Personal Finance (Not Investing)
Topic: Real estate partnership
Replies: 14
Views: 1195

Real estate partnership

I’ve made up my mind and ready to start with real estate with a friend. I will put the capital, he will put the work (renovating the house). I’m looking for advice on how to setup our partnership. Examples: -house price: 100 -downpayment: 20 ( e) -mortgage: 80 (me) For various reasons, i don’t want ...
by mushyyy
Wed May 23, 2018 8:07 am
Forum: Investing - Theory, News & General
Topic: Net total return vs. gross total return - a fallacy?
Replies: 26
Views: 48424

Re: Net total return vs. gross total return - a fallacy?

Of course, no ETF pays that much withholding tax like the figures in the linked spreadsheet, due to tax treaties and withholding tax optimization via security lending. . Well I pay 30% witholding on all dividends paid by US originated ETFs because there is no tax treaty ... and I know that in HK it...
by mushyyy
Mon May 14, 2018 2:33 pm
Forum: Investing - Theory, News & General
Topic: Volatility tolerance build up
Replies: 11
Views: 1282

Volatility tolerance build up

My investing career started only few years ago, but nonetheless i’ve been able to create a mid six figure nest. I have not experienced more than 15% drawdown in these years, but still.. I was reflecting on my emotions whenever I look at my portfolio, and I realized that just few years ago, a daily m...
by mushyyy
Fri Feb 02, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: New car - how much can we afford?
Replies: 78
Views: 7974

Re: New car - how much can we afford?

OP said combined assets, not net worth. Worth pointing that out. Also...140k take home is good for a 40k car? So much for taking advantage of high income and investing to greatest extent possible while young and time is on your side. I had a Nissan Sentra up until both kids were born and upgraded t...
by mushyyy
Fri Feb 02, 2018 1:07 am
Forum: Personal Investments
Topic: Buy a house? But there's a student loan elephant in the room
Replies: 65
Views: 7319

Re: Buy a house? But there's a student loan elephant in the room

It is incredible how many people are patronizing OP for having a wife that makes only 112k.

If she was full time, the salary is 180k. Would that be better?

Having a great job for 180k, even with a massive debt will turn out fine for her
by mushyyy
Thu Feb 01, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: New car - how much can we afford?
Replies: 78
Views: 7974

Re: New car - how much can we afford?

I know..standard thread that appears every other day on the board, today is my turn. Me: 29 Girlfriend: 30 We are expecting a baby end of the year and we need a bigger car. Initial thinking is to buy a second- hand car, max 30k miles. How much car can we afford? -Our take home pay is 140k/year. -We...
by mushyyy
Wed Jan 31, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: New car - how much can we afford?
Replies: 78
Views: 7974

Re: New car - how much can we afford?

Today I have an alfa romeo mito, 2 doors. Another thing to consider is that I might travel internationally for different assignments, so I’m also thinking to do a leasing, which gives me flexibility from the professional standpoint. a/ the alfa romeo being mentioned in the first post would have pro...
by mushyyy
Wed Jan 31, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: New car - how much can we afford?
Replies: 78
Views: 7974

Re: New car - how much can we afford?

Thanks everyone! A little bit more data: - the car will be bought to accomodate the needs a baby. i’d love to have a nice coupè, but life equals choices -i was thinking a small Suv or a standard sedan. I would like to have a nice car, but still meet the needs of the family. Today I have an alfa rome...
by mushyyy
Wed Jan 31, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: New car - how much can we afford?
Replies: 78
Views: 7974

New car - how much can we afford?

I know..standard thread that appears every other day on the board, today is my turn. Me: 29 Girlfriend: 30 We are expecting a baby end of the year and we need a bigger car. Initial thinking is to buy a second- hand car, max 30k miles. How much car can we afford? -Our take home pay is 140k/year. -We ...
by mushyyy
Mon Jan 22, 2018 12:06 pm
Forum: Investing - Theory, News & General
Topic: Fund net assets
Replies: 2
Views: 319

Fund net assets

Newbie question: Let’s assume a fund has 100 shares, priced 10$ each, for a total value of 1000$. If someone sells a share, someone has to buy it. But funds normally grow the number of shares outstanding. But where do they take the money to create new shares, if for a net buyer there is always a net...
by mushyyy
Sun Jan 14, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Internationa experience linked to career growth
Replies: 1
Views: 317

Internationa experience linked to career growth

I’m referring to all corporate workers here.

Based on your personal experience, anecdotes or better, if you are a hiring manager, how important is to have international assignments for your career development?

Is it considered a nice-to-have or a mandatory skill to climb the corporate ladder?
by mushyyy
Mon Nov 27, 2017 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Job negotiation strategies
Replies: 6
Views: 1307

Re: Job negotiation strategies

Thanks everyone, great responses!
by mushyyy
Sat Nov 25, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Job negotiation strategies
Replies: 6
Views: 1307

Job negotiation strategies

I’d like to tap into the bogleheads knowledge to better understand salary negotiation strategies during job interviews. The objective is to not disclose our current salary/ salary expectations before the information is shared by the recruiter. Below some typical scenarios: 1) first interview with HR...
by mushyyy
Mon Sep 25, 2017 3:54 pm
Forum: Personal Investments
Topic: Help with Colleague's portfolio
Replies: 4
Views: 525

Re: Help with Colleague's portfolio

https://ibb.co/fSqNKQ


This is the link to the excel table.
How do I know how far from the efficient frontier is this portfolio?
by mushyyy
Mon Sep 25, 2017 2:53 pm
Forum: Personal Investments
Topic: Help with Colleague's portfolio
Replies: 4
Views: 525

Help with Colleague's portfolio

Hi All, Apologies for the confusing table below, but I'm not aware how I could update an excel table on this forum. I hope it's clear. A colleague of mine has shared his portfolio with me. Clearly all over the place, high fees, no focus/strategy etc. I'm asking your help to better understand two thi...
by mushyyy
Sat Sep 09, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 10052

Re: Luxury car: perception vs reality

"The median annual income of a luxury car owner in the United States, for example, is $99,364, while a Mercedes C-Class sedan, the carmaker's entry-level vehicle and its most popular model, starts at around $40,000" Sounds like the median buyer is doing fine. This is an interesting stat. The reason...
by mushyyy
Sat Sep 09, 2017 6:41 am
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 10052

Luxury car: perception vs reality

Recently my friend said " i don't understand how many people can afford to buy luxury cars"

Based on your experience, are there more people with NW >1M and don't have a luxury car OR people with NW< 1M and have a luxury car?

1M is taken as arbitrary number, while luxury car is anything above 50M
by mushyyy
Sun Jul 09, 2017 5:32 am
Forum: Non-US Investing
Topic: Is the 'global market portfolio' rational for someone living in a small economic area like the Eurozone?
Replies: 60
Views: 4946

Re: Is the 'global market portfolio' rational for someone living in a small economic area like the Eurozone?

Sometimes I have a hard time to understand why net savers are worried about currency risk, in particular when the currencies involved are the major ones: USD/EUR/CHF/GPB.. Assuming EU investor with a global portfolio (50% exposed to USD): 1) If the USD appreciates, it means the current portfolio val...
by mushyyy
Mon Jul 03, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Guarantee of rent payment
Replies: 22
Views: 2636

Re: Guarantee of rent payment

Thank you all.

What if the bank issues a document stating that as of yyyy/mm/dd, my sister account is capable of supporting a full year of rent fees based on current dollar's value? I'm not sure if it is common practice.
by mushyyy
Mon Jul 03, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Guarantee of rent payment
Replies: 22
Views: 2636

Guarantee of rent payment

Hi Guys, my sister is studying in Chicago and she's trying to rent a flat there. There is a request to provide a guarantee of payment, to assure the landlord of her ability to pay the monthly fees. She has not job or monthly income, but she has enough money in her bank account to cover the rent. She...
by mushyyy
Sun May 07, 2017 12:16 pm
Forum: Personal Investments
Topic: What if the market drops right after I invest? Now the market is at all-time high..
Replies: 27
Views: 3480

Re: What if the market drops right after I invest? Now the market is at all-time high..

Here are a couple graphs I created from a spreadsheet I did back in 2015. While not up to date, it show (orange) the all time high (ATH) level as a running line vs the SP500, and the next graph shows the percent below the ATH vs time. http://i1180.photobucket.com/albums/x410/dstp2/SP500%20running%2...
by mushyyy
Sun May 07, 2017 8:08 am
Forum: Personal Investments
Topic: What if the market drops right after I invest? Now the market is at all-time high..
Replies: 27
Views: 3480

What if the market drops right after I invest? Now the market is at all-time high..

I've heard so many times this sentence in the office, that I need to talk about it. I'd like to dissect this sentence in two parts and I'm looking for data to prove each point: 1) Now the market is at all time high: Is there any chart that outlines the number of market "highs" in the last 20-30 year...
by mushyyy
Tue Jan 17, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Saving rater after becoming father
Replies: 27
Views: 3302

Re: Saving rater after becoming father

Well,

One thing is to pay X$/hour someone for 8-10 hours/day.
Another one is to have your kid go to school for 8-10/day.

In any case, thanks everyone for the answers
by mushyyy
Tue Jan 17, 2017 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Saving rater after becoming father
Replies: 27
Views: 3302

Re: Saving rater after becoming father

I live in Switzerland, which is famous for providing little support on child-care and it is not the best country when it comes to maternity rights etc.

I'm fine to pay 2.000/month on childcare, but I would like to think this is temporary (first three years)..
by mushyyy
Tue Jan 17, 2017 2:14 am
Forum: Personal Finance (Not Investing)
Topic: Saving rater after becoming father
Replies: 27
Views: 3302

Re: Saving rater after becoming father

Thanks All to the contributions. I live in VHCOL (Europe though), where childcare will easily reach 2,000/month. Fortunately we are not big spenders and we plan to save as much as possible upfront. My girlfriend will stay at home for the first 6-8 months, than likely go back at work. Once childcare ...
by mushyyy
Mon Jan 16, 2017 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Saving rater after becoming father
Replies: 27
Views: 3302

Saving rater after becoming father

HI Gents, I'm 27 and living with my girlfriend, 28. We currently save around $6-7K/month. We are considering to have a child in the next 1-2 years. Currently, we are saving a good chunk of our salary and I'd like to understand from your experience, how has your saving rate evolved after the first ki...
by mushyyy
Fri Dec 23, 2016 2:42 pm
Forum: Personal Investments
Topic: Reduce Foreign currency exposure
Replies: 0
Views: 327

Reduce Foreign currency exposure

-Place of residence: Switzerland -Current allocation: 95% equities + 5% high yield bonds The equities portion is tracking the Msci world, with a slight tilt towards small-cap and value. Situation: -in the last few years, my portfolio has benefit from the rise of the USD dollar and my portfolio is ex...
by mushyyy
Tue Jul 19, 2016 7:53 am
Forum: Personal Investments
Topic: money supply effect on stock prices
Replies: 15
Views: 1822

Re: money supply effect on stock prices

I think many thing but I am not sure what you are asking. 2 points. First, we don't need to posit a every growing GNP or profits to get to a stock market that has positive returns. All we need is business to generate a profit. We don't even need for them to generate a economic profit. Second, let u...
by mushyyy
Mon Jul 18, 2016 12:54 pm
Forum: Personal Investments
Topic: money supply effect on stock prices
Replies: 15
Views: 1822

money supply effect on stock prices

If we start from the assumption that in the long-term stocks's prices rise (because it always happened, referring to the global stock market), I tried to understand why this assumption should be true. The value of the stock market grows because the companies earn more money (profit) (let's leave out...
by mushyyy
Thu May 14, 2015 4:05 pm
Forum: Investing - Theory, News & General
Topic: Working Age population vs. stock purchases
Replies: 6
Views: 1227

Re: Working Age population vs. stock purchases

http://www.mckinsey.com/insights/growth/can_long-term_global_growth_be_saved This is only one source. there are plenty of studies that try to estimate the working age population of the future. It's not rocket science: the fertility rate has decreased over the last years and the life expectancy has i...
by mushyyy
Thu May 14, 2015 10:59 am
Forum: Investing - Theory, News & General
Topic: Working Age population vs. stock purchases
Replies: 6
Views: 1227

Working Age population vs. stock purchases

"The age structure has an impact on savings. Over an individual’s lifetime, savings tend to be low when people are young and have relatively low incomes. Savings accumulate in the peak earning years, typically when people are in their 40s and 50s. Then, during retirement in their 60s and 70s, people...