Search found 2504 matches
- Fri Jan 19, 2024 10:30 pm
- Forum: Investing - Theory, News & General
- Topic: What motivated you to save money?
- Replies: 232
- Views: 27995
Re: What motivated you to save money?
Age ~30. Got married.
- Fri Jan 19, 2024 10:28 pm
- Forum: Investing - Theory, News & General
- Topic: To rebalance or not rebalance?
- Replies: 53
- Views: 6434
Re: To rebalance or not rebalance?
I remember reading in one of WIlliam Bernstein's books he thought that rebalancing once every two or three years was optimal.
- Mon Dec 18, 2023 8:01 am
- Forum: Investing - Theory, News & General
- Topic: Treasury Must Issue 1.4T in New Debt Between Now and Year End
- Replies: 56
- Views: 7604
Re: Treasury Must Issue 1.4T in New Debt Between Now and Year End
Portfolio insurance is always a reasonable idea (5-10% in gold).
- Wed Jun 21, 2023 7:21 pm
- Forum: Investing - Theory, News & General
- Topic: Bob Brinker's newsletter Market Timer is shutting down
- Replies: 191
- Views: 53092
Re: Bob Brinker's newsletter Market Timer is shutting down
Wow, I had no idea it was still going. Enjoy your retirement, Bob.
Yeah, Brinker introduced me to the world of Vanguard's low-cost index funds, and for that I will always be grateful.
Yeah, Brinker introduced me to the world of Vanguard's low-cost index funds, and for that I will always be grateful.
- Sat Feb 04, 2023 10:12 pm
- Forum: Investing - Theory, News & General
- Topic: What is your age and asset allocation ?
- Replies: 1156
- Views: 150787
Re: What is your age and asset allocation ?
60
40% equities 55% fixed income 5% cash
40% equities 55% fixed income 5% cash
- Sun Nov 01, 2020 7:55 pm
- Forum: Investing - Theory, News & General
- Topic: If retired, what's your allocation to fixed income?
- Replies: 119
- Views: 14090
Re: If retired, what's your allocation to fixed income?
With a pension, my AA is 50/50. Enough equities for some growth, enough fixed income to keep from worrying about bear markets.
- Mon Aug 24, 2020 8:43 am
- Forum: Personal Finance (Not Investing)
- Topic: Do you talk to your friends/family/coworkers about this stuff?
- Replies: 210
- Views: 20758
Re: Do you talk to your friends/family/coworkers about this stuff?
At one time, I tried talking to people about investing. I bought all of my family and my best friend The Boglehead's Guide to Investing . I seriously doubt anyone read the books. My best friend lost 95% of his money in the Dot-Bomb collapse. He'd told me 'this time it's different.' A family member bought an annuity that she had no idea she couldn't touch for 10 years because 'I saw the company name on the back of a golf pro I like'. People and money are very strange. Personalities see money a certain way and it is very very hard to talk facts about it. So I no longer talk to people about money. There's little point in it. A couple times people asked me about investing. I was happy to tell them what I do and about the Boglehead philosophy an...
- Wed Jul 29, 2020 9:28 pm
- Forum: Personal Investments
- Topic: Poor service at Vanguard making me re-think my decision
- Replies: 310
- Views: 39233
Re: Poor service at Vanguard making me re-think my decision
Sorry to hear of your bad experience.
It's been my experience over the decades that good businesses sooner or later stop being good.
I can't think of much left to believe in in this 'race to the bottom' world we find ourselves in.
Best of luck to us all
It's been my experience over the decades that good businesses sooner or later stop being good.
I can't think of much left to believe in in this 'race to the bottom' world we find ourselves in.
Best of luck to us all
- Tue Jul 21, 2020 7:01 pm
- Forum: Investing - Theory, News & General
- Topic: Any logic to picking multiple target date funds?
- Replies: 27
- Views: 5594
Re: Any logic to picking multiple target date funds?
7 years after the target year is reached, the TD fund becomes TD Income. It gradually shifts to the 30/70 AA of TD Income between those two dates.The Wizard wrote: ↑Wed Jan 24, 2018 9:32 pm Vanguard's target date funds transition to their Retirement Income fund (whatever it's called) at some point when the target year is reached.
- Wed Jul 15, 2020 9:16 am
- Forum: Investing - Theory, News & General
- Topic: [Vanguard partners with Infosys for Defined Contribution recordkeeping]
- Replies: 265
- Views: 21707
Re: Vanguard laying off 1300 employees as part of outsourcing deal with Infosys
The 'race to the bottom' is embraced by Vanguard.
- Wed Jul 15, 2020 9:11 am
- Forum: Personal Investments
- Topic: Holding Gold as "Doomsday Fund"
- Replies: 164
- Views: 11558
Re: Holding Gold as "Doomsday Fund"
https://www.amazon.com/dp/9870563457
- Wed Apr 29, 2020 9:11 am
- Forum: Personal Investments
- Topic: Holding Gold as "Doomsday Fund"
- Replies: 164
- Views: 11558
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.
- Tue Apr 07, 2020 5:03 pm
- Forum: Personal Consumer Issues
- Topic: How do you maximize enjoyment after achieving FI?
- Replies: 164
- Views: 11882
Re: How do you maximize enjoyment after achieving FI?
Develop a hobby or hobbies independent from investing and personal finance. Enjoy.
- Sun Mar 22, 2020 7:26 pm
- Forum: Investing - Theory, News & General
- Topic: Coronavirus and the market
- Replies: 4089
- Views: 392290
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.
It's fascinating to watch all of this.
- Wed Mar 18, 2020 5:57 pm
- Forum: Personal Investments
- Topic: Stay the course in Lifestrategy Moderate?
- Replies: 5
- Views: 688
Re: Stay the course in Lifestrategy Moderate?
Stay the course in Lifestrategy Moderate?
I would.
I would.
- Thu Mar 12, 2020 7:44 pm
- Forum: Investing - Theory, News & General
- Topic: Okay, now when you do buy back in?
- Replies: 230
- Views: 25104
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.
That's always been the real trick- it's too easy to miss rebounds. I'm staying the course.
- Thu Jan 23, 2020 7:37 am
- Forum: Personal Investments
- Topic: Biggest Investment Mistake
- Replies: 276
- Views: 34938
Re: Biggest Investment Mistake
Not starting investing until age 30.
- Sat Aug 24, 2019 10:13 pm
- Forum: Investing - Theory, News & General
- Topic: Anybody else's Fidelity accounts zeroed out?
- Replies: 44
- Views: 6715
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
This is a good reason to save statements showing you in fact do have money there
- Sat Aug 24, 2019 10:11 pm
- Forum: Investing - Theory, News & General
- Topic: No Vanguard Customer Support on weekends
- Replies: 76
- Views: 13902
Re: No Vanguard Customer Support on 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.I have been helped by Fidelity on many occasions on the weekends.
- Thu Jun 20, 2019 7:35 am
- Forum: Personal Investments
- Topic: Bob Brinker Retirement
- Replies: 37
- Views: 9534
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.
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.
- 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: 240
- Views: 27350
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 fund, it has diversified and augmented my portfolio returns.
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 fund, it has diversified and augmented my portfolio returns.
- Tue Apr 30, 2019 7:45 pm
- Forum: Personal Investments
- Topic: What happened to GE?
- Replies: 48
- Views: 7199
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.
GE is no longer that.
GE is a stellar example of why I own the Total Stock Market Index and sleep well.
- 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: 5647
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.
- Fri Mar 15, 2019 10:23 am
- Forum: Personal Investments
- Topic: What role do bonds play in your portfolio?
- Replies: 79
- Views: 10055
Re: What role do bonds play in your portfolio?
Stability.
As I get older, I need my finances to be more stable.
As I get older, I need my finances to be more stable.
- Sun Jan 20, 2019 11:34 am
- Forum: Investing - Theory, News & General
- Topic: Bogle "5% Gold"
- Replies: 248
- Views: 38916
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.
- Sun Jan 20, 2019 9:38 am
- Forum: Investing - Theory, News & General
- Topic: Bogle "5% Gold"
- Replies: 248
- Views: 38916
Re: Bogle "5% Gold"
Interesting.
- Sun Jan 20, 2019 9:34 am
- Forum: Investing - Theory, News & General
- Topic: John Bogle has died at age 89
- Replies: 856
- Views: 81272
Re: John Bogle has died at age 89
Mr. Bogle left the world a significantly better place than he found it.
Rest in peace.
Rest in peace.
- Wed Nov 28, 2018 8:16 am
- Forum: Investing - Theory, News & General
- Topic: How much international stock? A suggestion.
- Replies: 754
- Views: 163441
Re: How much international stock? A suggestion.
Thread-winner.fortyofforty wrote: ↑Sun Nov 25, 2018 10:07 pm 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 in hindsight.
- Sat Nov 24, 2018 11:12 pm
- Forum: Investing - Theory, News & General
- Topic: What is your allocation to U.S. and International?
- Replies: 241
- Views: 34468
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.
- Sat Nov 24, 2018 11:09 pm
- Forum: Personal Finance (Not Investing)
- Topic: HSBC online savings; comments?
- Replies: 14
- Views: 2133
Re: HSBC online savings; comments?
Stopped using them when they were exposed as an alleged international money laundering front.
- Sat Nov 24, 2018 11:04 pm
- Forum: Personal Finance (Not Investing)
- Topic: What financial information do you share with your family and relatives?
- Replies: 112
- Views: 12158
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).
- Mon Oct 15, 2018 7:28 pm
- Forum: Investing - Theory, News & General
- Topic: Huge drops in VTXVX and VTHRX [Vanguard Target Date Funds]
- Replies: 54
- Views: 8123
Re: Huge drops in VTXVX and VTHRX [Vanguard Target Date Funds]
Not a shining moment for Vanguard.
- Mon Oct 15, 2018 7:24 pm
- Forum: Personal Investments
- Topic: Maturing out of Target 2015 fund
- Replies: 8
- Views: 1169
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.
- Mon Oct 01, 2018 8:09 pm
- Forum: Investing - Theory, News & General
- Topic: [Deleted]
- Replies: 153
- Views: 16981
Re: Barron's Making the Case for Gold
I see gold, in small amounts, as portfolio insurance against black swan events.
Diversification is good.
Diversification is good.
- Tue Sep 18, 2018 1:12 pm
- Forum: Personal Finance (Not Investing)
- Topic: Chase Bank used to be more customer focused
- Replies: 46
- Views: 7320
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 anything.
Expect nothing, and you will not be disappointed.
So I stopped expecting anything.
Expect nothing, and you will not be disappointed.
- Sat Sep 08, 2018 7:45 am
- Forum: Investing - Theory, News & General
- Topic: Taylor's new book is #1
- Replies: 31
- Views: 7067
Re: Taylor's new book is #1
Congratulations, Taylor- a brief and excellent read!
- 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: 8526
Re: Man...opening a savings account with Ally is an arduous process.
That was my experience.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....
- Sat Aug 25, 2018 10:05 am
- Forum: Personal Investments
- Topic: Investing in a Broadway show production
- Replies: 38
- Views: 4682
Re: Investing in a Broadway show production
Assume that you could lose 100% of your investment. Good luck.
- Sat Aug 25, 2018 10:02 am
- Forum: Personal Investments
- Topic: Is Treasury Direct worth the hassle?
- Replies: 52
- Views: 10909
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!
- 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: 9499
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 worry about others and to focus on my own finances.
I gave my friends and family members a copy of The Boglehead's Guide to Investing. I doubt any read it.
I gave my friends and family members a copy of The Boglehead's Guide to Investing. I doubt any read it.
- Wed Jul 25, 2018 7:08 pm
- Forum: Investing - Theory, News & General
- Topic: If financial markets shut down, temporarily...
- Replies: 42
- Views: 4123
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 collapse goes beyond the topics typically dealt with on this site, but there are plenty of other resources out there to check out.
For instance, here's a book about a man whose family survived the 2001 Argentinian Financial Collapse. YMMV.
https://www.amazon.com/dp/9870563457
For instance, here's a book about a man whose family survived the 2001 Argentinian Financial Collapse. YMMV.
https://www.amazon.com/dp/9870563457
- Wed Jul 25, 2018 1:29 am
- Forum: Investing - Theory, News & General
- Topic: "Money Talk" Radio Program with Bob Brinker
- Replies: 33
- Views: 5610
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 recommend that part of his advice. Overall, if you are a Boglehead, nothing to see here. But if you aren't quite there yet, take his advice about no-load mutual funds, Vanguard funds, and controlling costs.
- 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: 19264
Re: Six stocks make up 98% of S&P 500 gains in 2018
Excellent observation. Wish I could upvote this.
- Wed Jul 11, 2018 4:27 pm
- Forum: Investing - Theory, News & General
- Topic: The value of international stocks, in pictures
- Replies: 81
- Views: 21203
Re: The value of international stocks, in pictures
Actually, if diversification is a virtue (and it is always upheld by Bogleheads as such), one can say that less diversification isn't as good as more. This is a quantifiable, not a judgemental, factor.
Alright, didn't mean to get so serious Let the debate begin again!
- 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: 1746
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."
- Wed Jul 11, 2018 10:17 am
- Forum: Personal Finance (Not Investing)
- Topic: looking for a new (online) savings account home
- Replies: 23
- Views: 3004
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%.
Currently at Ally, earning 1.75%.
- Wed Jul 11, 2018 10:15 am
- Forum: Personal Investments
- Topic: [Considering the Vanguard LifeStrategy Fund]
- Replies: 66
- Views: 9493
Re: [Considering the Vanguard LifeStrategy Fund]
Vanguard LifeStrategy Growth was my first Vanguard fund back in the 90s.
Good funds.
Good funds.
- Wed Jul 11, 2018 10:13 am
- Forum: Personal Investments
- Topic: Fidelity charges to close accounts!
- Replies: 81
- Views: 36368
Re: Fidelity charges to close accounts!
Companies that charge me $ when I stop doing business with them are companies I'd be suspicious of.
- Tue Jul 10, 2018 8:35 am
- Forum: Personal Investments
- Topic: Where do you keep your Emergency Fund?
- Replies: 81
- Views: 18084
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'.
- Sat Jul 07, 2018 1:24 pm
- Forum: Personal Consumer Issues
- Topic: Ultrasonic pest repellent - do they work?
- Replies: 6
- Views: 1112
Re: Ultrasonic pest repellent - do they work?
My mother said this worked for mice in her garage.