Search found 2493 matches

by Index Fan
Wed Apr 29, 2020 9:11 am
Forum: Personal Investments
Topic: Holding Gold as "Doomsday Fund"
Replies: 121
Views: 5031

Re: Holding Gold as "Doomsday Fund"

During the Argentine fiscal/currency collapse in the early 2000s, gold and silver came in handy in barter situations. Looking at a small amount of PMs as portfolio insurance makes sense.
by Index Fan
Tue Apr 07, 2020 5:03 pm
Forum: Personal Consumer Issues
Topic: How do you maximize enjoyment after achieving FI?
Replies: 161
Views: 8477

Re: How do you maximize enjoyment after achieving FI?

Develop a hobby or hobbies independent from investing and personal finance. Enjoy.
by Index Fan
Sun Mar 22, 2020 7:26 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296901

Re: Coronavirus and the market

When 'Stay The Course' is scorned on this board, you know things are hysterical.

It's fascinating to watch all of this.
by Index Fan
Wed Mar 18, 2020 5:57 pm
Forum: Personal Investments
Topic: Stay the course in Lifestrategy Moderate?
Replies: 5
Views: 523

Re: Stay the course in Lifestrategy Moderate?

Stay the course in Lifestrategy Moderate?

I would.
by Index Fan
Thu Mar 12, 2020 7:44 pm
Forum: Investing - Theory, News & General
Topic: Okay, now when you do buy back in?
Replies: 230
Views: 21566

Re: Okay, now when you do buy back in?

Okay, now when you do buy back in?

That's always been the real trick- it's too easy to miss rebounds. I'm staying the course.
by Index Fan
Thu Jan 23, 2020 8:37 am
Forum: Personal Investments
Topic: Biggest Investment Mistake
Replies: 248
Views: 24595

Re: Biggest Investment Mistake

Not starting investing until age 30.
by Index Fan
Sat Aug 24, 2019 10:13 pm
Forum: Investing - Theory, News & General
Topic: Anybody else's Fidelity accounts zeroed out?
Replies: 44
Views: 5334

Re: Anybody else's Fidelity accounts zeroed out?

This isn't a feather in the cap for Fidelity, to say the least.

This is a good reason to save statements showing you in fact do have money there :shock:
by Index Fan
Sat Aug 24, 2019 10:11 pm
Forum: Investing - Theory, News & General
Topic: No Vanguard Customer Support on weekends
Replies: 76
Views: 11444

Re: No Vanguard Customer Support on weekends

I have been helped by Fidelity on many occasions on the weekends.
In over a quarter century of investing, I've never needed any help from any financial institution that I couldn't do online. Surprised to hear others have had a very different experience.
by Index Fan
Thu Jun 20, 2019 7:35 am
Forum: Personal Investments
Topic: Bob Brinker Retirement
Replies: 37
Views: 8533

Re: Bob Brinker Retirement

I too was brought to low-cost indexing via Bob Brinker. He had a lot to say about that subject.

I always thought that Bob gave good investing advice, and did his market timing newsletter to make most of his money because that's how most people make money in the biz.
by Index Fan
Tue Jun 18, 2019 9:02 am
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why? . . Why not?
Replies: 229
Views: 19460

Re: What percentage of total portfolio in REIT's do you have? Why?

I hold 10% of my portfolio in the Vanguard REIT Index. I'm basically a lumper (most investments in Total Stock Market Index, Total International Index, Total Bond Index), but my position in the REIT Index is a nod to 'spicing up' my boring Boglehead portfolio. Over the ~20 years I have owned the fun...
by Index Fan
Tue Apr 30, 2019 7:45 pm
Forum: Personal Investments
Topic: What happened to GE?
Replies: 24
Views: 2896

Re: What happened to GE?

GE used to be a no-brainer buy and hold stock.

GE is no longer that.

GE is a stellar example of why I own the Total Stock Market Index and sleep well.
by Index Fan
Fri Mar 15, 2019 10:26 am
Forum: Personal Investments
Topic: Most people wish they invested more and sooner. Any of you wish they invested less?
Replies: 38
Views: 4816

Re: Most people wish they invested more and sooner. Any of you wish they invested less?

People who died young may wish they had invested less and lived it up more, but they are not around to say so.
by Index Fan
Fri Mar 15, 2019 10:23 am
Forum: Personal Investments
Topic: What role do bonds play in your portfolio?
Replies: 79
Views: 7713

Re: What role do bonds play in your portfolio?

Stability.

As I get older, I need my finances to be more stable.
by Index Fan
Sun Jan 20, 2019 12:34 pm
Forum: Investing - Theory, News & General
Topic: Bogle "5% Gold"
Replies: 248
Views: 31675

Re: Bogle "5% Gold"

There have been plenty of currency crises worldwide where gold and silver were treated as currency. Argentina in the early 2000s is one example.
by Index Fan
Sun Jan 20, 2019 10:38 am
Forum: Investing - Theory, News & General
Topic: Bogle "5% Gold"
Replies: 248
Views: 31675

Re: Bogle "5% Gold"

Interesting. :D
by Index Fan
Sun Jan 20, 2019 10:34 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 60208

Re: John Bogle has died at age 89

Mr. Bogle left the world a significantly better place than he found it.

Rest in peace.
by Index Fan
Wed Nov 28, 2018 9:16 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 754
Views: 125479

Re: How much international stock? A suggestion.

Almost nobody owns a cap weighted balance between bonds and stocks, because we're all gambling that stocks will tend to provide a higher long-term return versus bonds that provide more stability. All of these choices away from true market neutrality are neither wrong nor right; wisdom is only known...
by Index Fan
Sun Nov 25, 2018 12:12 am
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 241
Views: 27047

Re: What is your allocation to U.S. and International?

25% of equities are int'l. Used to be 33% but I haven't rebalanced and haven't felt the need to do so.
by Index Fan
Sun Nov 25, 2018 12:09 am
Forum: Personal Finance (Not Investing)
Topic: HSBC online savings; comments?
Replies: 14
Views: 1786

Re: HSBC online savings; comments?

Stopped using them when they were exposed as an alleged international money laundering front.
by Index Fan
Sun Nov 25, 2018 12:04 am
Forum: Personal Finance (Not Investing)
Topic: What financial information do you share with your family and relatives?
Replies: 112
Views: 10584

Re: What financial information do you share with your family and relatives?

I learned the hard way not to reveal financial info to relatives. To put it briefly, if they think you have more than them, relatives will sometimes ask you to bail them out of situations they created for themselves. Even when they make more money (but have obviously saved far less).
by Index Fan
Mon Oct 15, 2018 7:24 pm
Forum: Personal Investments
Topic: Maturing out of Target 2015 fund
Replies: 8
Views: 998

Re: Maturing out of Target 2015 fund

If I remember correctly, TR 2015 is on target to become TR Income (asset allocation wise) by 2022.
by Index Fan
Mon Oct 01, 2018 8:09 pm
Forum: Investing - Theory, News & General
Topic: [Deleted]
Replies: 153
Views: 14519

Re: Barron's Making the Case for Gold

I see gold, in small amounts, as portfolio insurance against black swan events.

Diversification is good.
by Index Fan
Tue Sep 18, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Bank used to be more customer focused
Replies: 46
Views: 6438

Re: Chase Bank is the Devil

Over my life, I've noticed a pattern- over time, good businesses I patronize end up not so good, even bad. Things change. They get bought out. New people get in charge. They decide the bottom dollar is more important than customer retention and good word of mouth referrals. So I stopped expecting an...
by Index Fan
Sat Sep 08, 2018 7:45 am
Forum: Investing - Theory, News & General
Topic: Taylor's new book is #1
Replies: 31
Views: 6532

Re: Taylor's new book is #1

Congratulations, Taylor- a brief and excellent read!
by Index Fan
Mon Aug 27, 2018 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Man...opening a savings account with Ally is an arduous process.
Replies: 32
Views: 5610

Re: Man...opening a savings account with Ally is an arduous process.

Thegame14 wrote:
Mon Aug 27, 2018 12:17 pm
Don't you just go onto their website sign up, link their account to your primary checking account, they send two small deposits to your primary checking, then you log onto Ally and verify those two deposits and you are then good to go. Couldn't be any simpler....
That was my experience.
by Index Fan
Sat Aug 25, 2018 10:05 am
Forum: Personal Investments
Topic: Investing in a Broadway show production
Replies: 38
Views: 3959

Re: Investing in a Broadway show production

Assume that you could lose 100% of your investment. Good luck.
by Index Fan
Sat Aug 25, 2018 10:02 am
Forum: Personal Investments
Topic: Is Treasury Direct worth the hassle?
Replies: 52
Views: 7461

Re: Is Treasury Direct worth the hassle?

Too much of a hassle for me. Very user-unfriendly, would be a nightmare for heirs. Good luck!
by Index Fan
Fri Aug 10, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Should I tell my family/friend that they are making a financial mistake?
Replies: 87
Views: 8553

Re: Should I tell my family/friend that they are making a financial mistake?

I have a reputation as being smart with money. Yet no one has ever asked me for financial advice. Friends and Family members have made grave financial mistakes. Money is an odd force in people's lives, meshed into their personality and experiences. I find it much better for peace of mind to not worr...
by Index Fan
Wed Jul 25, 2018 7:08 pm
Forum: Investing - Theory, News & General
Topic: If financial markets shut down, temporarily...
Replies: 42
Views: 3404

Re: If financial markets shut down, temporarily...

I think it is perfectly reasonable to have a plan that includes such black-swan events as the disruption of the financial system. Having some cash and PMs at home along with an amount of food, water purification, means of self-defense etc. for emergencies ranging from natural disasters to societal c...
by Index Fan
Wed Jul 25, 2018 1:29 am
Forum: Investing - Theory, News & General
Topic: "Money Talk" Radio Program with Bob Brinker
Replies: 33
Views: 4915

Re: "Money Talk" Radio Program with Bob Brinker

Like some other posters in this thread, Bob Brinker helped lead me to no-load mutual funds, Vanguard funds in particular. When I listened to his show in the 90s, he'd have interesting things to say regarding investing and money. His market timing is about the same as flipping a coin, so I wouldn't r...
by Index Fan
Wed Jul 11, 2018 4:29 pm
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 100
Views: 17252

Re: Six stocks make up 98% of S&P 500 gains in 2018

jminv wrote:
Tue Jul 10, 2018 4:15 pm
Historically, the majority of gains come from a small number of stocks so this isn't surprising. In addition, gains occur on a small number of days. Combined, that's a good reason to hold the market index and forget.
Excellent observation. Wish I could upvote this.
by Index Fan
Wed Jul 11, 2018 4:27 pm
Forum: Investing - Theory, News & General
Topic: The value of international stocks, in pictures
Replies: 76
Views: 16155

Re: The value of international stocks, in pictures

I've learned (from reading the hundreds of circular debates on this forum) the decision to either add or not add international equity comes down to personal investor bias. Actually, if diversification is a virtue (and it is always upheld by Bogleheads as such), one can say that less diversification...
by Index Fan
Wed Jul 11, 2018 4:23 pm
Forum: Investing - Theory, News & General
Topic: In Pursuit of the Perfect Portfolio: John C. Bogle
Replies: 4
Views: 1484

Re: In Pursuit of the Perfect Portfolio: John C. Bogle

My first thought upon seeing the title of this video was, "the perfect is the enemy of the good."
by Index Fan
Wed Jul 11, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: looking for a new (online) savings account home
Replies: 23
Views: 2688

Re: looking for a new (online) savings account home

I'm done rate chasing with online savings. Unless you have a LOT of money in them, small differences in rates don't matter that much to me.

Currently at Ally, earning 1.75%.
by Index Fan
Wed Jul 11, 2018 10:15 am
Forum: Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 7941

Re: [Considering the Vanguard LifeStrategy Fund]

Vanguard LifeStrategy Growth was my first Vanguard fund back in the 90s.

Good funds.
by Index Fan
Wed Jul 11, 2018 10:13 am
Forum: Personal Investments
Topic: Fidelity charges to close accounts!
Replies: 81
Views: 33085

Re: Fidelity charges to close accounts!

Companies that charge me $ when I stop doing business with them are companies I'd be suspicious of.
by Index Fan
Tue Jul 10, 2018 8:35 am
Forum: Personal Investments
Topic: Where do you keep your Emergency Fund?
Replies: 81
Views: 15509

Re: Where do you keep your Emergency Fund?

Ally Bank. I used to use the Vanguard MM Fund and that's fine, but online savings accounts are FDIC insured which is a bit of an advantage for money that's supposed to be 'safe'.
by Index Fan
Sat Jul 07, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Ultrasonic pest repellent - do they work?
Replies: 6
Views: 863

Re: Ultrasonic pest repellent - do they work?

My mother said this worked for mice in her garage.
by Index Fan
Sat Jul 07, 2018 8:15 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 238
Views: 47637

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

For those with Kindle readers who haven't picked it up yet, Taylor's The Bogleheads' Guide to the Three-Fund Portfolio is now $9.99 at Amazon- what are you waiting for? :) https://www.amazon.com/Bogleheads-Guide-Three-Fund-Portfolio-Outperforms-ebook/dp/B07DH1QYJK/ref=tmm_kin_swatch_0?_encoding=UTF8...
by Index Fan
Fri Jul 06, 2018 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Teaching local communities how to save/invest
Replies: 12
Views: 1134

Re: Teaching local communities how to save/invest

An admirable goal.

You might try local community centers and library meeting rooms as well. As long as you are not selling anything, you should be fine with these venues. I'm not sure what kind of credentials that schools would expect you to have- you might ask and see.
by Index Fan
Mon Jul 02, 2018 10:34 am
Forum: Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 9801

Re: What % of your equity is int’l?

33% of equities in Total Intl Index.
by Index Fan
Wed May 30, 2018 5:34 pm
Forum: Investing - Theory, News & General
Topic: General Electric
Replies: 77
Views: 11867

Re: General Electric

Buy broad market index funds and sleep well.
by Index Fan
Wed May 30, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: get sued for posting nagative online review?
Replies: 64
Views: 8257

Re: get sued for posting nagative online review?

It's hard to believe anything you read online, particularly when money is involved. People are far more likely to post negative versus positive reviews, and there are all sorts of ways to game the review system.
by Index Fan
Wed May 16, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Buying land in central FL
Replies: 55
Views: 6958

Re: Buying land in central FL

bubbadog wrote:
Sun May 13, 2018 6:06 pm
Generally speaking, I believe that if you are "approached" by someone to make an investment/purchase, it is usually a good deal for them and a bad deal for you. The best investments you have to seek out for yourself.
^ this. ^
by Index Fan
Wed May 16, 2018 7:52 am
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 69
Views: 17079

Re: This is Unbelievable - another Vanguard customer support odyssey

I think average customer service in the business world as a whole is is poor.
by Index Fan
Wed May 16, 2018 7:49 am
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 106
Views: 16236

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

Am I the only one here that is annoyed with Vxxxx ticker symbols that are never identified by OP's?
by Index Fan
Wed May 16, 2018 7:45 am
Forum: Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 11925

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Q: When gold is down, what's the next asset pushed upon financially untutored investors?

A: Silver.


(Disclosure- I'm fine with holding a small amount of PM's for portfolio insurance)
by Index Fan
Mon Mar 12, 2018 5:07 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason a buy-and-hold investor would buy gold?
Replies: 158
Views: 14931

Re: Is there any reason a buy-and-hold investor would buy gold?

Precious metals have come in handy in multiple historical scenarios including Argentina's economic turmoil in the early 2000s (especially 'junk jewelry').

Holding small amounts of PMs for portfolio insurance purposes a reasonable strategy to me.
by Index Fan
Sat Feb 24, 2018 2:30 pm
Forum: Investing - Theory, News & General
Topic: Evidence that retirement account ID theft is increasing
Replies: 31
Views: 5401

Re: Evidence that retirement account ID theft is increasing

I check my financial-only email frequently because any kind of fraud will show up in my email box (changing addresses, changing passwords, new email, new bank account, withdraws etc.).

It's really not that hard.