Search found 949 matches

by Buddtholomew
Mon Nov 20, 2017 9:08 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle, the world's richest man
Replies: 25
Views: 4521

Re: Jack Bogle, the word's richest man

Can we change the misspelling?
by Buddtholomew
Wed Oct 11, 2017 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Are we taking too much risk with Bonds in our AA?
Replies: 25
Views: 2140

Re: Are we taking too much risk with Bonds in our AA?

Hi everyone, I know that some can consider this as market timing.... However, we do know that the federal reserve started unwinding the recession stimulus. Additionally, we know that they are in the path of rising rates. Those are much more actionable today than in previous years. This stuff is alr...
by Buddtholomew
Sun Aug 27, 2017 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Overweight EM, underweight TSM, SCV and REIT
Replies: 2
Views: 456

Overweight EM, underweight TSM, SCV and REIT

International and Emerging Markets comprise 45% of total portfolio and recent outperformance in EM + contributions to fixed income has prompted a rebalance to US equities. On the surface, this seems like an example where rebalancing into lagging assets is in reality investing in assets that have ris...
by Buddtholomew
Sun Aug 20, 2017 11:11 am
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 14435

Re: I own no international stocks. Can you guess why?

We get it Taylor, but enough with the anti-international threads already. I am 55/45 international with VWIGX (international growth fund) +30% YTD.

If you want diversification you can't pick and choose what to invest in. That's the whole point.
by Buddtholomew
Fri Jul 21, 2017 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Turned 44...performance against forecast
Replies: 23
Views: 2625

Re: Turned 44...performance against forecast

OP said "net" so not sure if it includes real estate equity or purely equity/bond market returns.
by Buddtholomew
Sat Jul 15, 2017 11:39 am
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 19294

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

Buying bonds and stable value in retirement accounts to maintain asset allocation at 52.5/40/7.5. As others have pointed out we should expect declines in all of the assets we hold and should respond in the same manner - rebalance to AA. If you no longer choose to rebalance to AA, find a new AA. Chal...
by Buddtholomew
Sat Jun 24, 2017 3:52 pm
Forum: Investing - Theory, News & General
Topic: Anyone have a habit of checking the market all day?
Replies: 38
Views: 2883

Re: Anyone have a habit of checking the market all day?

Maybe its because Im a young investor but I find myself checking the market everyday once it opens and periodically throughout the day. I get excited when it goes even by pennies and upset when it goes down.. I have a 3 fund and I really should be taking a set it and forget it approach.. Or at leas...
by Buddtholomew
Sat Jun 10, 2017 8:30 pm
Forum: Investing - Theory, News & General
Topic: Friday's Dow Jones Industrial +89.44
Replies: 24
Views: 2823

Re: Friday's Dow Jones Industrial +89.44

It is important to look at the question in the context of percentages.
Can you honestly say that you have never seen the total market index fund down when the DOW was positive 0.42%?
I think you may need to adjust your reference point.

89 points / 21000 points = .42%
89/10000 = .89%
89/1000 = 8.9%
by Buddtholomew
Sat Jun 03, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: Does anyone treat taxable as a "someday fund"?
Replies: 86
Views: 7260

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

I treat my taxable account as part of our total portfolio and currently 100% stocks so when I sell stocks in taxable I then sell bonds and buy stocks in tax deferred accounts. You don't have to hold bond in taxable account at all. Again, this may not work if you intend to draw down enough of your t...
by Buddtholomew
Thu May 25, 2017 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund too large
Replies: 31
Views: 5831

Re: Emergency Fund to large

Have you considered including the $300,000 in your investment portfolio and then changing the asset allocation for your age specified in your IPS to 50/50? What is your asset allocation right now if you include the $300,000 in your investable assets? Exactly, put the cash in and see what your alloc...
by Buddtholomew
Sun May 07, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Mazda CX3 lease... is this a good deal
Replies: 22
Views: 2334

Re: Mazda CX3 lease... is this a good deal

Hi ... first post ... never leased a car ... hoping someone smarter than me can tell me if this a good lease or not ... here goes 1. 2017 mazda cx 3 touring model Awd 2. $0 down 3. No trade in 4. 36 months 5. 15000 miles per year 6. $350/mo I would want to know the negotiated price of the vehicle, ...
by Buddtholomew
Mon Mar 13, 2017 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Just got my annual review today
Replies: 23
Views: 4939

Re: Just got my annual review today

I find that on BH, most employees who complain here, seem to feel undervalued by their employers. Remember that a feeling of being undervalued may be real - that you are better than your employer thinks.. OR, one feels undervalued because they have an inflated sense of value that doesnt jive with t...
by Buddtholomew
Thu Feb 23, 2017 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Investment [determining risk tolerance?]
Replies: 6
Views: 547

Re: Investment [determining risk tolerance?]

Thanks for the ^ link.
I'm sure someone has computed the CAGR for the various allocations over the time period in the article.
Does it produce different results, higher, lower?
Interested to know.
by Buddtholomew
Tue Jan 31, 2017 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: going to cash w present instability
Replies: 24
Views: 3573

Re: going to cash w present instability

If pensions cover living expenses are you investing for heirs or is peace of mind more important?
More information would help us determine where on the spectrum your personal situation falls and the appropriate approach for you.
by Buddtholomew
Fri Jan 27, 2017 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Info about State Street S&P 500® Index Securities Lending Series Fund - Class IX ?
Replies: 8
Views: 2547

Re: Info about State Street S&P 500® Index Securities Lending Series Fund - Class IX ?

The OP fund trails the S&P500 by the expense ratio -.71%
I hold the same fund and its unfortunate to pay the ER to hold the S&P500 when VG offers the same at .0x ER.
by Buddtholomew
Wed Jan 04, 2017 8:47 pm
Forum: Investing - Theory, News & General
Topic: Why S & P 500 fund is safer than Total Stock Market fund
Replies: 40
Views: 6022

Re: Why S & P 500 fund is safer than Total Stock Market fund

That was pre-election thinking.
It's different now, but ends the same way.
Create an asset allocation you can maintain whether the news of the day is positive or negative.
You do realize that small caps outpaced the S&P quite substantially in 2016 and YTD as well.
by Buddtholomew
Tue Jan 03, 2017 3:24 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1584
Views: 281953

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

arsenalfan wrote:+12.6% for 2016, excluding 2016 additions. 70/30 stock:bond. 25% of stocks international. Slices of REIT, SCV, Biotech/Health, and Muni Bonds.


Arsenal not looking so good right now.
by Buddtholomew
Wed Dec 28, 2016 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help me get back into the market
Replies: 31
Views: 5045

Re: Help me get back into the market

Difficult to do, but I recommend investing 80% now and the remaining 20% DCA. Accomplishes investing in the market now (time in market vs. timing market) with the remaining 20% on a schedule you choose (either fast or slow). 50%/50% is the starting point increasing to whatever you are comfortable wi...
by Buddtholomew
Sat Dec 24, 2016 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Extra Mortgage Payments or Put Extra In Savings?
Replies: 10
Views: 1393

Re: Extra Mortgage Payments or Put Extra In Savings?

Conceptually the above posters are accurate as long as you have sufficient reserves to outlast a long term emergency. Alternatively, you could pay down the mortgage and take out a HELOC to serve as an emergency fund. There are cons to this approach as well.
by Buddtholomew
Mon Nov 21, 2016 10:01 pm
Forum: Personal Consumer Issues
Topic: Yahoo finance site going down hill?
Replies: 22
Views: 3719

Re: Yahoo finance site going down hill?

I've been happily using the Yahoo finance site over the years but recently it seems to have gone haywire. When I bring up my portfolio the page seems to freeze my Netscape browser on my PC. The price updates on some funds seem to be stale. When I look at the Yahoo app on my phone, the pricing is st...
by Buddtholomew
Fri Nov 18, 2016 5:42 pm
Forum: Investing - Theory, News & General
Topic: Why are bonds dropping? They are supposed to be safe.
Replies: 171
Views: 24275

Re: Why are bonds dropping? They are supposed to be safe.

My apologies electron, I quoted the wrong poster.
by Buddtholomew
Fri Nov 18, 2016 4:45 pm
Forum: Investing - Theory, News & General
Topic: Why are bonds dropping? They are supposed to be safe.
Replies: 171
Views: 24275

Re: Why are bonds dropping? They are supposed to be safe.

The CME Fed Watch Tool is predicting a 90% plus probability of a Fed target target rate rise of 50-75 bps. That's BIG . A rise of 50-75 bps would indeed be significant. That increase might also impact the short end of the yield curve more than the long end. This discussion prompted me to review the...
by Buddtholomew
Sun Nov 13, 2016 1:20 pm
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 67
Views: 10309

Re: The Permanent Portfolio as an accumulation portfolio

Sounds like the permanently broke portfolio to me. Or a de-accumulation portfolio. Browne's investing ideas have lost any validity they may have once had. How so? Please explain, since I want to understand how a portfolio that has returned 7% YTD is permanently broken. What alternatives are you pro...
by Buddtholomew
Sun Nov 13, 2016 11:31 am
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 67
Views: 10309

Re: The Permanent Portfolio as an accumulation portfolio

Reubin wrote:Small cap and small cap value aren't parts of the permanent portfolio.


Actually small cap and small cap value are part of the portfolio since they are components of the total stock market.
by Buddtholomew
Sat Nov 12, 2016 5:21 pm
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 67
Views: 10309

Re: The Permanent Portfolio as an accumulation portfolio

Permanent, as the portfolio name suggests, is a longer time frame than 3 days.

A portion of my portfolio is invested in the PP (I'm sure you know), so the last few days have been difficult. I hold small cap and small cap value, so overall I am doing ok.
by Buddtholomew
Sat Nov 12, 2016 4:17 pm
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 67
Views: 10309

Re: The Permanent Portfolio as an accumulation portfolio

Reubin wrote:Interesting to see how the permanent portfolio has been crashing since the election results came in. No way is this an "all weather " portfolio as it has been portrayed.


For some reason you have the need to bash the PP.
You do realize the portfolio is up ~ 7% YTD
by Buddtholomew
Sat Nov 12, 2016 4:00 pm
Forum: Investing - Theory, News & General
Topic: Harry Browne Permanent Portfolio Discussion (Cont'd)
Replies: 582
Views: 139861

Re: Harry Browne Permanent Portfolio Discussion (Cont'd)

Permanent Portfolio is getting crushed this week, with bonds and gold crashing at the same time! Stay away! Interesting that one would stay away from declining assets. Part of rebalancing is selling outperformers for those that have underperformed. 2-3% decline is hardly crushed with the 25% alloca...
by Buddtholomew
Sat Sep 24, 2016 1:06 pm
Forum: Investing - Theory, News & General
Topic: Investing to Avoid the Consequences of Being Wrong
Replies: 27
Views: 4239

Re: Investing to Avoid the Consequences of Being Wrong

Reminds me of something my late grandfather told me... It's only a good deal when both parties are unhappy. The seller thinks he got too little and the buyer thinks he paid too much. I see this as analogous to the Bernstein comment that you're at the correct AA for you when you feel torn between hav...
by Buddtholomew
Thu Sep 22, 2016 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio 'hit' when rates rise...
Replies: 5
Views: 852

Re: Portfolio 'hit' when rates rise...

Long term rates could decline even if the FED raises the FFR. The thinking is a flight to treasuries as the rise is sure to result in a recession.
by Buddtholomew
Wed Sep 14, 2016 4:26 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1102094

Re: U.S. stocks in freefall

I arrived at the conclusion that managing around the edges is more psychologically comforting than beneficial to portfolio returns. As you said yourself madbrain, it requires larger sums/percentages of your portfolio to matter much. Add transaction fees and most likely the trades result in a loss or...
by Buddtholomew
Fri Sep 09, 2016 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Good stock sale day?
Replies: 14
Views: 2057

Re: Good stock sale day?

Whatever you decide to do, make sure it aligns with your asset allocation. This could be a minor blip or the start of a prolonged bear market, so proceed with caution.
by Buddtholomew
Sat Aug 20, 2016 11:31 am
Forum: Investing - Theory, News & General
Topic: This is why a 100% stock allocation is a bad idea
Replies: 68
Views: 10616

Re: This is why a 100% stock allocation is a bad idea

OP is providing a real world scenario where being invested 100% in equities was not the "ideal" allocation at the time the emergency surfaced. It may not be the best example to drive the lesson home to younger investors who can't fathom having a need to withdraw from retirement assets soon...
by Buddtholomew
Tue Aug 09, 2016 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Not paying mortgage, what???
Replies: 21
Views: 3613

Re: Not paying mortgage, what???

Homeowners that haven't paid their mortgage in several years are a tax on the overall system.
I can understand being let go and having difficulty paying the mortgage, but if these same people are now gainfully employed, it is inexcusable to not resume payments.
by Buddtholomew
Wed Jul 20, 2016 3:54 pm
Forum: Investing - Theory, News & General
Topic: Remind me once again why I can't time the market?
Replies: 75
Views: 9133

Re: Remind me once again why I can't time the market?

I maintain a 70/30 allocation in retirement accounts and have contributed to equities only a handful of times over the last few years. All of my contributions have been directed to fixed income to stay in balance. Are others in the same boat and how do you rationalize only purchasing stocks when the...
by Buddtholomew
Sat Jun 25, 2016 1:24 pm
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 14208

Re: What did you learn from the post-Brexit bloodbath?

I learned that a week ago my stock allocation had drifted up to 42.5%, above target but well within my tolerance band, and that as of Friday's market close it was 41%, still above target. Stocks fluctuate , but I already knew that. PJW Exact same experience. Thought I had a problem with my calculat...
by Buddtholomew
Sat Jun 25, 2016 1:16 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1584
Views: 281953

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

+14% and I'm out. Now 100% cash and waiting for bargains on either equities, bonds, or real estate. Nothing is attractive right now. It's possible I'll stay at 100% cash for a year or two, also possible I'll buy a house with it. What fund(s) did you invest in to have a return of 14% so far this yea...
by Buddtholomew
Sat Jun 25, 2016 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Will there ever be a better time to sell off my international stake?
Replies: 35
Views: 3858

Re: Will there ever be a better time to sell off my international stake?

Just maybe you're causing more harm than good with your predictions and RBD timing. I suppose that is possible, but I track my portfolio carefully against several benchmarks and the portfolio's performance is ahead of those benchmarks. Livesoft, you are more intelligent than me and I don't doubt th...
by Buddtholomew
Sat Jun 25, 2016 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Will there ever be a better time to sell off my international stake?
Replies: 35
Views: 3858

Re: Will there ever be a better time to sell off my international stake?

livesoft wrote:Did I write "after"? Ooops! Maybe I meant "before"?


Just maybe you're causing more harm than good with your predictions and RBD timing.
by Buddtholomew
Sat Jun 25, 2016 7:34 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1584
Views: 281953

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

+14% and I'm out. Now 100% cash and waiting for bargains on either equities, bonds, or real estate. Nothing is attractive right now. It's possible I'll stay at 100% cash for a year or two, also possible I'll buy a house with it. What fund(s) did you invest in to have a return of 14% so far this yea...
by Buddtholomew
Sat Jun 25, 2016 7:21 am
Forum: Investing - Help with Personal Investments
Topic: what to do today...
Replies: 5
Views: 938

Re: what to do today...

60% of the assets could potentially lose out on today's equity gains, but how about the 40% earmarked for fixed income. Seems like a good day to contribute when rates are higher. .02 x .6(3M) = 36K in potential equity lost opportunity. 36K/3M = 1.2% Doesn't warrant changing plans now. Equities move...
by Buddtholomew
Sat Jun 25, 2016 7:01 am
Forum: Investing - Theory, News & General
Topic: [Vanguard Total International] ETF currently down 7.09% - Time to sell?
Replies: 39
Views: 4874

Re: [Vanguard Total International] ETF currently down 7.09% - Time to sell?

don't catch a falling knife. I don't think that is Bogleheads conventional wisdom. Unless you hit a rebalancing band, any other buy action is market timing and should be viewed as such. Doing the math reinforces this stance for me. 10K investment rebounds 10% on Monday for a 1K gain. 100K investmen...
by Buddtholomew
Sat Jun 25, 2016 6:47 am
Forum: Investing - Help with Personal Investments
Topic: Time the Market
Replies: 6
Views: 779

Re: Time the Market

Fear is overwhelming the rational decision to continue investing in retirement accounts.
How many additional months of living expenses does $1500 USD provide?
by Buddtholomew
Fri Jun 24, 2016 3:43 pm
Forum: Investing - Theory, News & General
Topic: Brexit: What does Vanguard think?
Replies: 29
Views: 6200

Re: Brexit: What does Vanguard think?

My portfolio is positive .66% today.
Nothing to do but enjoy the ride.
by Buddtholomew
Fri Jun 24, 2016 8:35 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1102094

Re: U.S. stocks in freefall

Why bother maintaining an IPS or rebalancing bands if market volatility prompts one to rebalance?
I personally have spent countless hours determining an appropriate AA and don't plan any action at this time.
by Buddtholomew
Thu Jun 23, 2016 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Will there ever be a better time to sell off my international stake?
Replies: 35
Views: 3858

Re: Will there ever be a better time to sell off my international stake?

It appears that the remain vote is not as clear cut as previously reported.
Brexit at the moment is outpacing Bremain as initial votes are counted.
GBP/USD has retraced today's gains.
by Buddtholomew
Thu Jun 23, 2016 11:19 am
Forum: Investing - Help with Personal Investments
Topic: what to do today...
Replies: 5
Views: 938

Re: what to do today...

60% of the assets could potentially lose out on today's equity gains, but how about the 40% earmarked for fixed income. Seems like a good day to contribute when rates are higher. .02 x .6(3M) = 36K in potential equity lost opportunity. 36K/3M = 1.2% Doesn't warrant changing plans now. Equities move ...
by Buddtholomew
Sun Jun 05, 2016 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gain / Loss reporting for Tax
Replies: 9
Views: 755

Re: Capital Gain / Loss reporting for Tax

The question is a good one.
2 separate lots, single transaction, 1 with a +500 gain and 1 with a -100 loss.
Using SpecID and repurchasing the same ETF within 30 days.
Is this a wash sale? Proceeds of the sale were +400.
by Buddtholomew
Mon May 30, 2016 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds in Taxable if Taxable Needs the Safety?
Replies: 17
Views: 2184

Re: Bonds in Taxable if Taxable Needs the Safety?

What you call a taxable portfolio is really an emergency fund. Most people don't keep their emergency fund in stocks. It is possible that this taxable amount jumbles up an emergency fund and an investment portfolio. If so, separate them and put stocks in the investment portion and CDs or some other...
by Buddtholomew
Mon May 30, 2016 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds in Taxable if Taxable Needs the Safety?
Replies: 17
Views: 2184

Re: Bonds in Taxable if Taxable Needs the Safety?

I consider all investments in taxable available resources in the event of a job loss. My taxable portfolio is separate from retirement assets and is invested more conservatively - stocks/bonds and cash/gold. Retirement investments are 70/30 with a blended portfolio of 52.5/40/7.5 stocks/fixed income...
by Buddtholomew
Sat May 28, 2016 6:54 pm
Forum: Investing - Theory, News & General
Topic: Tax Free Muni's
Replies: 8
Views: 1865

Re: Tax Free Muni's

I have been considering tax free Muni's as part of my portfolio but have mixed feelings on it. Dividend income seems ok but I am concerned about how they will respond in a rising interest rate environment. Thoughts? Moot issue. Munis respond like all bonds: lose value in a rising interest rate envi...