Search found 2468 matches

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: 76
Views: 9881

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: 62
Views: 7344

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: 968

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: 1922

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: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 4785

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: Investing - Help with Personal Investments
Topic: Fidelity charges to close accounts!
Replies: 69
Views: 26297

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: Investing - Help with Personal Investments
Topic: Where do you keep your Emergency Fund?
Replies: 46
Views: 4344

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: 696

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: 190
Views: 29661

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: 910

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: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 7633

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: 57
Views: 6857

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: 7059

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: 5472

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: 59
Views: 12336

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: 10663

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: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 8472

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: 13126

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: 4759

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.
by Index Fan
Wed Feb 21, 2018 6:43 pm
Forum: Investing - Theory, News & General
Topic: Why investors shouldn’t panic over falling bond prices
Replies: 36
Views: 6793

Re: Why investors shouldn’t panic over falling bond prices

Everybody thinks they can time the bond market. Everyone knew that there was no place to go but down many years ago.

Nobody knows nothing.
by Index Fan
Wed Feb 14, 2018 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: How to advise a parent
Replies: 22
Views: 2127

Re: How to advise a parent

My brother and I talked mom into going to a decent financial planner. She finally went earlier this year and she's getting things in order. We're quite happy, seeing she's made some mistakes in the past.
by Index Fan
Wed Feb 07, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: "Bitcoin is my potential pension"
Replies: 54
Views: 8456

‘Bitcoin is my potential pension’

[Thread merged into here, see below. --admin LadyGeek] ‘Bitcoin is my potential pension’ (Washington Post) What's driving people in Kentucky to join the craze https://www.washingtonpost.com/business/economy/bitcoin-is-my-potential-pension-what-is-driving-people-in-kentucky-to-join-the-craze/2018/02...
by Index Fan
Tue Feb 06, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Recently divorced trying to clear all of my credit card debt.
Replies: 46
Views: 3292

Re: Recently divorced trying to clear all of my credit card debt.

$80 monthly cell phone bill-

Get a Tracfone and a minimum yearly plan that will cost about $8 a month, plus the occasional addition of $10 data purchases and phone minutes (if you need them). You'll save a lot.
by Index Fan
Tue Feb 06, 2018 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 180
Views: 21662

Re: Torn between Vanguard, Fidelity and Schwab

I've had accounts at Vanguard, Fidelity, and T Rowe Price, and if I had to pick one, it would be Vanguard. Hands-down. Best selection of funds, best overall low-cost options, good online account interface.
by Index Fan
Thu Feb 01, 2018 8:07 pm
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 119
Views: 9763

Re: Fewer acronyms please

Agree on the acronyms, particularly ticker symbols.
dm200 wrote:
Thu Feb 01, 2018 7:58 pm
One technique, perhaps, is to spell it out the first time - then use the acronym.
+1
by Index Fan
Wed Jan 31, 2018 9:24 pm
Forum: Investing - Theory, News & General
Topic: looking for positive experiences transferring to Vanguard
Replies: 39
Views: 2704

Re: looking for positive experiences transferring to Vanguard

It took 2 weeks to transfer my IRA to Vanguard- no hitches at all, quite smooth.

Of course, this was back in 1997 8-)
by Index Fan
Mon Jan 29, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Returns: Total Bond Market Index vs. Intermediate Term Index
Replies: 8
Views: 1521

Re: Returns: Total Bond Market Index vs. Intermediate Term Index

Personally, I give the edge to TBM due to having more government bonds. In a flight to safety, government bonds do better. It just feels right to have my bond allocation be less about reaching for yield. My equities are for higher risk & return.
by Index Fan
Sun Jan 28, 2018 7:50 pm
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 13684

Re: Starting to feel like the late 1990s?

Your view of him is shaped by your disagreement with his politics and the fact that he has a rather large platform on which to share his views-- and I think you should admit that to yourself. And your views of him are shaped by your politics, which have been made clear by years of posts here. Krugm...
by Index Fan
Sun Jan 28, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Does anyone not rebalance?
Replies: 66
Views: 5309

Re: Does anyone not rebalance?

I rebalance once every 2-3 years.

I forget where he said it, but Bill Bernstein did some calculating and recommended not rebalancing too often.
by Index Fan
Sun Jan 28, 2018 10:19 am
Forum: Investing - Theory, News & General
Topic: Robert Shiller: Stock Market Like 1928
Replies: 57
Views: 6979

Re: Robert Shiller: Stock Market Like 1928

There's an old joke that goes something like, 'He's called 12 out of the last 3 market drops.'

Nobody knows nothing.
by Index Fan
Sun Jan 28, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 13684

Re: Starting to feel like the late 1990s?

Listening to Nobel winning economists can also derail one's path to wealth. One boastfully declared the market would NEVER recover after the last election. In particular, a Nobel-prize-winning economist that is often lauded here. An excellent example of letting politics interfere with investing. Wh...
by Index Fan
Sat Jan 27, 2018 9:38 am
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 13684

Re: Starting to feel like the late 1990s?

Tycoon wrote:
Fri Jan 26, 2018 4:34 pm
Listening to Nobel winning economists can also derail one's path to wealth. One boastfully declared the market would NEVER recover after the last election.
In particular, a Nobel-prize-winning economist that is often lauded here.

An excellent example of letting politics interfere with investing.
by Index Fan
Fri Jan 26, 2018 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Warning on "free" Morningstar trial
Replies: 37
Views: 7712

Re: Warning on "free" Morningstar trial

Nothing makes me shun a company like making me call a CSR on the phone to do something that should be done with a single click on a webpage.
by Index Fan
Fri Jan 26, 2018 11:02 pm
Forum: Investing - Theory, News & General
Topic: Is it likely we return to historical real bond yields?
Replies: 17
Views: 2086

Re: Is it likely we return to historical real bond yields?

Bill Bernstein has written that as societies become wealthier, capital becomes relatively more abundant, and therefore return on capital shrinks. This has been going on for millenia. It could be that the low real yields on TIPS (and high CAPE ratio) are just the latest manifestations of this trend....
by Index Fan
Thu Jan 25, 2018 1:31 am
Forum: Investing - Theory, News & General
Topic: Bogle Interview - “Uneasy lies the head that wears a crown”
Replies: 1
Views: 697

Re: “Uneasy lies the head that wears a crown”

Good long interview.

Bogle reiterated that he thinks a 20% allocation to international stocks is fine.
by Index Fan
Thu Jan 25, 2018 1:12 am
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 9786

Re: Working in the real world

I also think many here are completely out of touch with what the average American is earning. I've seen multiple posters state they don't understand how someone could survive on a $100k salary. If you honestly think that you've lost touch. Speaking as someone who has never earned more than half of ...
by Index Fan
Thu Jan 25, 2018 1:08 am
Forum: Investing - Help with Personal Investments
Topic: Should I not have all investments in one place (Vanguard)?
Replies: 5
Views: 814

Re: Should I not have all investments in one place (Vanguard)?

I love and trust Vanguard with the majority of my investment money, but I have an account at another well-known investment firm as well for my operating/emergency money. The idea is if there is a problem with one or the other accounts at these companies, I still have the other to draw upon if I need...
by Index Fan
Thu Jan 25, 2018 1:05 am
Forum: Investing - Help with Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 6886

Re: Your bond allocation when you were 48

I was 40% bonds at age 48.
by Index Fan
Sat Jan 20, 2018 8:48 am
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 213
Views: 38497

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

2/3 TSM 1/3 TISM

Been that way for years.
by Index Fan
Wed Jan 17, 2018 10:49 am
Forum: Investing - Theory, News & General
Topic: Was 2017 a unique year for the stock market?
Replies: 11
Views: 2256

Re: Was 2017 a unique year for the stock market?

Yeah, but it all averages out! :)
by Index Fan
Wed Jan 17, 2018 10:48 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Lessons From 2017
Replies: 26
Views: 5738

Re: Larry Swedroe: Lessons From 2017

Wow, Larry is covering all of the myths of investing in this series. Great stuff!
by Index Fan
Wed Jan 17, 2018 9:46 am
Forum: Investing - Theory, News & General
Topic: "Even With Low Returns, Bonds Still Have Their Use"
Replies: 1
Views: 466

Re: "Even With Low Returns, Bonds Still Have Their Use"

Good article- thanks for posting.

Remember, interest rates have had 'nowhere to go but up' for several years now. People often think they can predict the bond market, but 'nobody knows nothing'.
by Index Fan
Tue Jan 16, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: wild bird feed
Replies: 43
Views: 2240

Re: wild bird feed

I use salt-free dry-roasted peanuts (not in shells), safflower seeds (preferred by Finches, Doves, Cardinals, Chickadees) and sunflower hearts or other 'no waste' seeds (often labeled that way) that don't leave husks or uneaten grain behind. I found I did not enjoy raking up all of the waste left on...
by Index Fan
Fri Jan 12, 2018 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Goodbye Capital One 360!!
Replies: 56
Views: 9586

Re: Goodbye Capital One 360!!

I moved from Capital One to Ally and have been happy with the decision. One thing I've noticed over the years is that businesses who are very good usually don't stay that way. Management is replaced or mucks about with their core success and before you know it, things go downhill. All things change.
by Index Fan
Fri Jan 12, 2018 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Getting father-in-law off of UBS & its 1.5% AUM fee
Replies: 31
Views: 3545

Re: Getting father-in-law off of UBS & its 1.5% AUM fee

1.5% fee? Shark attack!

Sad.

I'd only give my opinion if I were asked for it. Family and money never, ever, mix well.
by Index Fan
Mon Jan 08, 2018 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Smallest % worth Allocating in your Portfolio
Replies: 30
Views: 2281

Re: Smallest % worth Allocating in your Portfolio

For me, 10% is the smallest I go. If I had a significantly larger account (7 figures +), I'd be tempted to go down to 5%, but like Taylor says, simplicity has a lot going for it.

I do have 10% of my AA in the VG REIT Index.
by Index Fan
Mon Nov 20, 2017 8:16 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 190
Views: 29661

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

Excellent news!

After years of trying complexity, I've come to realize that investing simply has many virtues.
by Index Fan
Sun Oct 22, 2017 9:19 am
Forum: Investing - Theory, News & General
Topic: Why is inflation so low? Moore's law?
Replies: 33
Views: 5063

Re: Why is inflation so low? Moore's law?

Technology seems to be broadly deflationary these days. Correct. I'm reminded of the last half of the 1800's in America when the railroads and telegraph- 19th century high tech- had a deflationary effect that was good for consumers but not necessarily good for employment then. There are a few signi...
by Index Fan
Mon Oct 16, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: VITAX ( vanguard tech fund )
Replies: 9
Views: 865

Re: VITAX ( vanguard tech fund )

Taylor and Mr. Bogle are 100% correct :)
by Index Fan
Sun Oct 15, 2017 5:04 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 176
Views: 20831

Re: What's your asset allocation and why?

50/50 AA.

1/3 of equities are international.

Retirement with a pension- my sleep-at-night factor is high.