Search found 962 matches

by Buddtholomew
Mon Feb 12, 2018 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Are REITs essentially taboo for years now with rising rates?
Replies: 55
Views: 5911

Re: Are REITs essentially taboo for years now with rising rates?

@staythecourse, I stated that REIT VNQ has done poorly for the past 3 years because you stated it had done poorly for 1-2 years. I wanted others to know that you should have added one more year (1+2 = 3) to your statement. The historical record is there for all to see. I was asked by denovo why I d...
by Buddtholomew
Wed Jan 24, 2018 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing from 100% to 70/30: bite the bullet and pay LTCG taxes?
Replies: 7
Views: 805

Re: Rebalancing from 100% to 70/30: bite the bullet and pay LTCG taxes?

Rebalance equities to fixed income in tax-deferred accounts without incurring a taxable event.

Also, you don’t quite have 100% equities in taxable as your emergency fund is 175K or 10% (unless this is invested in equities as well).
by Buddtholomew
Fri Jan 19, 2018 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Increasing Small Cap Value Tilt
Replies: 17
Views: 1612

Re: Increasing Small Cap Value Tilt

iShares small cap blend ETF IJR already makes up 8% of my portfolio, however in the Morningstar style box my portfolio numbers show up like this: 22, 22, 22 6, 6, 5 4, 5, 5 So doesn't look like there's much of an effect iShares IJR ETF adds in terms of SCV. Domestic to international is ~ 67:33 (ITO...
by Buddtholomew
Wed Jan 17, 2018 4:52 pm
Forum: Investing - Theory, News & General
Topic: Recent market gains
Replies: 18
Views: 1807

Re: Recent market gains

Investors can also be contributing to fixed income in order to maintain AA. In other words, not selling stocks.
by Buddtholomew
Wed Jan 17, 2018 4:47 pm
Forum: Investing - Theory, News & General
Topic: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years
Replies: 111
Views: 15161

Re: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years

I wish they had said 100% going to happen in 2018, then we could almost guarantee no correction was on the horizon. I now see only a 30% chance.
by Buddtholomew
Mon Jan 15, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: Longer Work Hours: Tips for adjusting?
Replies: 10
Views: 1298

Re: Longer Work Hours: Tips for adjusting?

It sounds like the horse has left the barn and the decision has already been made. I had instant regrets the moment I realized 1/2 day Saturday’s were the norm and not the exception. Found something else that required me to work smarter not harder.
by Buddtholomew
Fri Jan 12, 2018 3:37 pm
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 28579

Re: Hitting The Sell Button

Always too little in equities when markets rise and too little in fixed income when markets fall. If I’m unhappy under both circumstances perhaps I have the correct AA.
by Buddtholomew
Thu Jan 04, 2018 3:11 pm
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 28579

Re: Hitting The Sell Button

Including the "winning" last year when international stocks beat U.S. stocks? :D Allow me be the first to say it: Bogle was Wrong! :) Let me preface by saying I have 40% in International equities with 75% in VWILX (VG Growth) which was up 42% last year. Bogle was not wrong as the US S&P increased 2...
by Buddtholomew
Fri Dec 29, 2017 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Suddenly my mortgage doesn't seem that great
Replies: 66
Views: 11311

Re: Suddenly my mortgage doesn't seem that great

Mortgage interest is 27K and property taxes are 14K annually. We also donate 3-4K to charity and reflect on our returns. Am I correct that we can only deduct up to 10K in property taxes but can continue to deduct the full 27K in mortgage interest and the 3-4K donated to charity? Married, filing join...
by Buddtholomew
Thu Dec 28, 2017 7:52 pm
Forum: Investing - Theory, News & General
Topic: Conceptually: *Why* does the Yield Curve invert?
Replies: 29
Views: 3165

Re: Conceptually: *Why* does the Yield Curve invert?

Doesn’t the curve invert when cost to borrow in the short term is more expensive than in the long-term. In other words, the money supply is tight and borrowing in the near term (short duration bonds) comes with a higher interest rate.
by Buddtholomew
Wed Dec 13, 2017 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: 3 accounts, 30 plus funds, 330,000 value, 2 advisers
Replies: 15
Views: 1609

Re: 3 accounts, 30 plus funds, 330,000 value, 2 advisers

You don’t need the advisors nor the exhorbitant fees. The portfolio complexity is also not necessary and many would agree to consolidate down to a more manageable 2-3 funds. Others can chime in on how to terminate the advisor relationship and if you need something between self-managed and an advisor...
by Buddtholomew
Sat Dec 02, 2017 6:49 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than People Think
Replies: 142
Views: 14905

Re: Bonds Are Riskier Than People Think

Never bought into the argument that you are losing to inflation while having fixed income allocation in cash or CD’s. Look at your portfolio as a whole and if the rest is invested in cash and CD’s then MAYBE you have a point over an extended period of time. Holding 25% in equities and the balance in...
by Buddtholomew
Tue Nov 28, 2017 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 309
Views: 32626

Re: Anyone tired of the stock market going up?

OP is going to be really ticked off today :twisted:
Buy, hold and rebalance is all I am doing although I have only been buying fixed income to maintain AA for some time now.
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: 5609

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: 2602

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: 531

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: 18307

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: 2852

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: 21880

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: 3393

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: 3380

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: 8168

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: 6472

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: 2938

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: 5091

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: 646

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: 62
Views: 10257

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: 4343

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: 6497

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: 1857
Views: 339699

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: 40
Views: 6994

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: 1542

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: 3962

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: 25908

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: 25908

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: 11442

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: 11442

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: 11442

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: 11442

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: 659
Views: 151656

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: 4528

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: 890

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: 6636
Views: 1432175

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: 2264

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: 11068

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 sooner than ex...
by Buddtholomew
Tue Aug 09, 2016 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Not paying mortgage, what???
Replies: 21
Views: 3715

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: 9623

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: 15032

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: 1857
Views: 339699

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: 4053

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...