Search found 1008 matches

by WanderingDoc
Wed Aug 22, 2018 11:23 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1043
Views: 79831

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

I've been watching your Matter/Scatter series with interest, but: have you run it for ex-US countries against other national markets? I'm constrained by availability of mutual funds and ETFs that PortfolioVisualizer knows about. And I'm not going to do a whole bunch of them. Suggest a couple you th...
by WanderingDoc
Tue Aug 21, 2018 12:40 pm
Forum: Investing - Theory, News & General
Topic: Are millennials botching their asset allocations?
Replies: 68
Views: 7628

Re: Are millennials botching their asset allocations?

Vanguard has published an interesting research paper on their retail investors called Risk-taking across generations . https://personal.vanguard.com/pdf/CIRRTG_062018_Online.pdf There is a lot of fascinating data, but the summary bullet points are these: The typical millennial household takes subst...
by WanderingDoc
Mon Aug 20, 2018 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: I pay $6K in rent. Am I an idiot for not buying?
Replies: 76
Views: 14364

Re: I pay $6K in rent. Am I an idiot for not buying?

I live in a high cost of living area (Los Angeles). An equivalent condo would be about $1.5MM, or maybe even more. I've run the NYTimes rent vs. buy calculator several times and with HOA fees and buying is usually slightly better ("if you can rent a similar home for $5900 you should rent..."). This...
by WanderingDoc
Mon Aug 20, 2018 5:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard predicts 10 year equity returns
Replies: 91
Views: 10326

Re: Vanguard predicts 10 year equity returns

Please tell me these are real returns. I suspect not. I'm pretty sure those are real return estimates. Investment grade corporate bonds are yielding more than 3-4% nominal, if that's their expectation for equities as well... hmm.. :annoyed Nominal or real, it certainly makes one question the "inves...
by WanderingDoc
Mon Aug 20, 2018 12:12 pm
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 13611

Re: Remind me (again) how real estate isn't a GREAT investment?

Looks like you didn't list number 2 as hard to obtain, any advice on how to get a high six figure income easily? ;) I have PM'd WanderingDoc. It didn't yield any results so I don't know why he put that there. I don't have an issue with him having a high income an retiring early - my issue is that h...
by WanderingDoc
Mon Aug 20, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 13611

Re: Remind me (again) how real estate isn't a GREAT investment?

1) From what I have observed, this is the order of dollar amounts (highest to lowest) in the TYPICAL index fund portfolio: - traditional - taxable - Roth 2) You are talking about a 60 year old. I am talking about being financially free before being a senior citizen. All else being equal, you are le...
by WanderingDoc
Sun Aug 19, 2018 9:32 pm
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 13611

Re: Remind me (again) how real estate isn't a GREAT investment?

Nope. The only way to avoid taxes and penalties with index funds is to decide to live a life of scarcity and poverty. I have read the same blogs and guides that you have. You fill in the 0-15% income brackets. Which is another way of saying, have less income and be less wealthy. See here: https://w...
by WanderingDoc
Sun Aug 19, 2018 6:17 pm
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 13611

Re: Remind me (again) how real estate isn't a GREAT investment?

No. If I tried utilizing my TSP balance today I would pay a 10 or 20% withdrawal penalty (I'm not over 65) and a 25% tax on traditional assets. Truly a (quality of) life-deferral plan. In a taxable account you have to pay 15-38% taxes. It's a mediocre investment for tax consideration purposes. The ...
by WanderingDoc
Sun Aug 19, 2018 4:55 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1043
Views: 79831

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Very interesting. From that Fidelity article: "Historically, a globally balanced hypothetical portfolio of 70% U.S./30% international equities has produced better risk-adjusted returns (Sharpe ratio) and lower volatility (standard deviation) than an all-U.S. portfolio (see table, below)." Does anyon...
by WanderingDoc
Sun Aug 19, 2018 4:12 pm
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 13611

Re: Remind me (again) how real estate isn't a GREAT investment?

No. If I tried utilizing my TSP balance today I would pay a 10 or 20% withdrawal penalty (I'm not over 65) and a 25% tax on traditional assets. Truly a (quality of) life-deferral plan. In a taxable account you have to pay 15-38% taxes. It's a mediocre investment for tax consideration purposes. The ...
by WanderingDoc
Sun Aug 19, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 13611

Re: Remind me (again) how real estate isn't a GREAT investment?

RE absolutely can be an amazing investment, but WanderingDoc's hyperbole about how many "normal" people out there do it with amazing results and the suggestion that anybody can do it and be FI in 5yrs... This is EXACTLY the same as a person coming on here who bought bitcoin or Netflix 5 years ago a...
by WanderingDoc
Sun Aug 19, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 13611

Re: Remind me (again) how real estate isn't a GREAT investment?

RE absolutely can be an amazing investment, but WanderingDoc's hyperbole about how many "normal" people out there do it with amazing results and the suggestion that anybody can do it and be FI in 5yrs... This is EXACTLY the same as a person coming on here who bought bitcoin or Netflix 5 years ago a...
by WanderingDoc
Sun Aug 19, 2018 12:43 pm
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 13611

Re: Remind me (again) how real estate isn't a GREAT investment?

Really? So you had low to mid seven figures in real estate equity by the time you're in your mid-20s? You have read over 200 books on business, philosophy, and mindset, have been working with at least three mentors.. by your mid-20s? I'd love to hear about it. I always tell younger folks asking me ...
by WanderingDoc
Sun Aug 19, 2018 12:14 pm
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 13611

Re: Remind me (again) how real estate isn't a GREAT investment?

Really? So you had low to mid seven figures in real estate equity by the time you're in your mid-20s? You have read over 200 books on business, philosophy, and mindset, have been working with at least three mentors.. by your mid-20s? I'd love to hear about it. I always tell younger folks asking me a...
by WanderingDoc
Sun Aug 19, 2018 12:07 pm
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 13611

Re: Remind me (again) how real estate isn't a GREAT investment?

Don't confuse 'real estate investing' for 'dabbling in real estate'. Those aren't the same thing. I have a 2-family house and the rent now covers our mortgage and taxes. Yay me. BUT . . . in the 11 years that I've had the house, I've refinanced (no cash out) at lower rates three times (luck), rents ...
by WanderingDoc
Sun Aug 19, 2018 12:05 pm
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 13611

Re: Remind me (again) how real estate isn't a GREAT investment?

The most glaring problem of this discussion is the complete ignoring of the risk associated with the use of leverage to boost real estate returns. Certainly due to the nature of the loans it is not the same risk compared to margin loans to invest in stocks but still there is risk. The idea of payin...
by WanderingDoc
Sat Aug 18, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 13611

Re: Remind me (again) how real estate isn't a GREAT investment?

One thing about DIY real estate management, you may get old and not want to do it anymore. It helps to have kids that you trust that want to take over. Or you can try to find a rental agent that is reliable and not too expensive. Or you can sell out and pay the cap gains. I have a friend that has 6...
by WanderingDoc
Sat Aug 18, 2018 5:16 pm
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 13611

Re: Remind me (again) how real estate isn't a GREAT investment?

Not sure what you are talking about. If you have a mid 7 figure portfolio with no debt (from stock market investing) I can utilize the money any time by clicking a button and transferring assets. The fact that there are hundreds of teachers, police officers, and other median income earners that hav...
by WanderingDoc
Sat Aug 18, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 13611

Re: Remind me (again) how real estate isn't a GREAT investment?

The fact that there are hundreds of teachers, police officers, and other median income earners that have reached FI with real estate in 5 years or a lot sooner, there is probably a reason for that. 99.9% is a made up number and is assuredly false. Most don't even try, because they believed the narr...
by WanderingDoc
Sat Aug 18, 2018 3:07 pm
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 13611

Re: Remind me (again) how real estate isn't a GREAT investment?

Passive RE investment means passive indexed REITs . Anything else means you have a new job or have new hassles. Schwab US REIT ETF's (SCHH) SEC Yield is 3.51%. Assume USD inflation at 2% so a 1.5% expected real return. Since USA domiciled equities have an expected real return of 1-3% and non-USA do...
by WanderingDoc
Sat Aug 18, 2018 1:38 pm
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 13611

Re: Remind me (again) how real estate isn't a GREAT investment?

But when it comes down to it, being free in several years - not several decades - is the crux of the matter. Yes, yes, WanderingDoc... you invested in the hottest real estate on the planet at exactly the right time before it exploded upwards and right when mortgage interest rates were the lowest th...
by WanderingDoc
Sat Aug 18, 2018 1:03 pm
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 13611

Re: Remind me (again) how real estate isn't a GREAT investment?

I can tell you unequivocally and without reservation that the stock market is the greatest wealth creating machine ever devised. Went from negligible net worth to mid seven figure net worth in about 12 years through regular investments into stocks and mutual funds. I fail to see the appeal of real ...
by WanderingDoc
Sat Aug 18, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 13611

Re: Remind me (again) how real estate isn't a GREAT investment?

It's certainly not a free lunch to make money in real estate, but the profits can be enormous. I'm curious about the people who share stories of toilets clogging in the middle of the night have actually had this experience or just repeating stories they have heard. I've done this for 12 years and n...
by WanderingDoc
Sat Aug 18, 2018 12:47 pm
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 13611

Re: Remind me (again) how real estate isn't a GREAT investment?

Hey All, I've been a BH'er for almost a decade now. My self taught education through this forum/others has essentially brought me to a Boglehead style investing model, I have used the lazy 3 fund portfolio with basic rules about taxable accounts/all that for many years and it's gone GREAT and I hav...
by WanderingDoc
Sat Aug 18, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: High tax bracket - Go 100% Roth in tax advantaged?
Replies: 47
Views: 4054

Re: High tax bracket - Go 100% Roth in tax advantaged?

You seem to be implying that people that dont retire early continue to work out of vanity. If that is the intent, it is a ridiculous assertion. I was referring strictly to the category of people discussed in the post (people admired and respected) and it is pretty clear from the quote. It is not re...
by WanderingDoc
Sat Aug 18, 2018 2:05 am
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 13611

Re: Remind me (again) how real estate isn't a GREAT investment?

Hey All, I've been a BH'er for almost a decade now. My self taught education through this forum/others has essentially brought me to a Boglehead style investing model, I have used the lazy 3 fund portfolio with basic rules about taxable accounts/all that for many years and it's gone GREAT and I hav...
by WanderingDoc
Fri Aug 17, 2018 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: High tax bracket - Go 100% Roth in tax advantaged?
Replies: 47
Views: 4054

Re: High tax bracket - Go 100% Roth in tax advantaged?

That's not for everyone. Warren Buffett didn't. Marc Cuban didn't. Grant Cardone didn't. Ben Franklin didn't. Richard Feynman didn't. The list goes on. Actually, anyone I admire or respect across the board - did not retire early. Retirement is very flexible concept. I would argue that those people ...
by WanderingDoc
Fri Aug 17, 2018 4:32 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1043
Views: 79831

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

20+ years of inferior International performance... At what point does our own script change about International? If it lags for 30 years, 40 years? Never...? Looking at Portfoliovisualizer of a graph of the last 20 years of US vs. World Ex US, What I can see is that World Ex US takes the lead, then...
by WanderingDoc
Fri Aug 17, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 112
Views: 18279

Re: Who uses the 3 fund portfolio ?

lostdog wrote:
Fri Apr 06, 2018 8:13 am
Two fund portfolio here.

Vanguard Total World Index--removes speculation and home country bias. The most bogleheadish fund in existence.

Vangaurd Total Bond Index
Would you save on ERs if you split it up Total U.S. and Total World?
by WanderingDoc
Fri Aug 17, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: Beam 2-4% APY
Replies: 16
Views: 2875

Re: Beam 2-4% APY

Hello Bogelheads! Long time lurker, but newly registered as I wanted to share some information on this particular subject as it hasn't been active for awhile. I have been on their "trial account" for a while now and here are my thoughts. What is this Beam Savings Account? Just that, savings only. N...
by WanderingDoc
Thu Aug 16, 2018 11:15 pm
Forum: Investing - Theory, News & General
Topic: Bullish/bearish on GE? Make your case here - new lows today
Replies: 60
Views: 5053

Re: Bullish/bearish on GE? Make your case here - new lows today

GE is doing decade lows today. I bought $2000 worth at 12.xx today . In 2008, their low was ~$8.50. Today they're trading $12.xx. I can see it doing 8 unless it goes to zero which means I'll take heat for about 1/3 of my position size. If their old low marks the ultimate bottom. I don't really know...
by WanderingDoc
Thu Aug 16, 2018 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Taking stock of current financial state and way forward
Replies: 6
Views: 883

Re: Taking stock of current financial state and way forward

You say your monthly income is $14,000 but you only list $7,400 in expenses. Where does the other $6,600 a month go? Here's the plot. Some suggested steps for improvement: 1. Chart every dollar in and out. Where is your cash going? I bet your expenses are higher than 1.5k. 2. Build an emergency fun...
by WanderingDoc
Thu Aug 16, 2018 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: High tax bracket - Go 100% Roth in tax advantaged?
Replies: 47
Views: 4054

Re: High tax bracket - Go 100% Roth in tax advantaged?

Retire early. That's not for everyone. Warren Buffett didn't. Marc Cuban didn't. Grant Cardone didn't. Ben Franklin didn't. Richard Feynman didn't. The list goes on. Actually, anyone I admire or respect across the board - did not retire early. Early retirement forums are filled with doom and gloom ...
by WanderingDoc
Thu Aug 16, 2018 3:31 pm
Forum: Investing - Theory, News & General
Topic: NRIA.NET - Real Estate Private Placement - 16% return
Replies: 21
Views: 2087

Re: NRIA.NET - Real Estate Private Placement - 16% return

16% -18% per year over 5 years sounds very good indeed. I'm wondering why NIRA is offering this incredible deal and doesn't just borrow money at 4% - 6% and take all this great action themselves. That would provide a 12% to 14% return per year without risking a cent of their own money. Perhaps NIRA...
by WanderingDoc
Thu Aug 16, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: NRIA.NET - Real Estate Private Placement - 16% return
Replies: 21
Views: 2087

Re: NRIA.NET - Real Estate Private Placement - 16% return

16% -18% per year over 5 years sounds very good indeed. I'm wondering why NIRA is offering this incredible deal and doesn't just borrow money at 4% - 6% and take all this great action themselves. That would provide a 12% to 14% return per year without risking a cent of their own money. Perhaps NIRA...
by WanderingDoc
Thu Aug 16, 2018 12:45 am
Forum: Investing - Help with Personal Investments
Topic: Do we change our self-managed investments/brokerage today assuming we might move to India in future?
Replies: 14
Views: 1099

Re: Do we change our self-managed investments/brokerage today assuming we might become non-USA residents in future?

..... On phone, the Vanguard rep mentioned that I would not be allowed to transact any more and a/c would be closed: this would be bad because of sudden tax-bill+penalties and it'd be worse, if the market was low. Via Vanguard email, I was told that I shouldn't worry and I would still be able to tr...
by WanderingDoc
Thu Aug 16, 2018 12:38 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1043
Views: 79831

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Australian stocks have dramatically outperformed US stocks over the period from 1900 to present. That's much longer term than a mere 30 years! Since including US stocks would have dragged down returns compared to an all-Australia portfolio, why are we still considering investing in the US when the ...
by WanderingDoc
Wed Aug 15, 2018 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Get out of syndications?
Replies: 15
Views: 1659

Re: Get out of syndications?

Interesting. That's good info. I still think that diversifying among asset classes (stocks, real estate, business) and different strategies within a given asset class like real estate is prudent. I like my odds with mobile home parks and self-storage, and almost any syndication vehicle over the pro...
by WanderingDoc
Wed Aug 15, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: Mark Cuban bullish on Netflix and Amazon
Replies: 19
Views: 1944

Re: Mark Cuban bullish on Netflix and Amazon

To believe that "we are all on the same page and equal footing" when it comes to investing or any skill in life is absurd. Genetics vary. Informational and analytical advantages vary. Motivation and drive varies. etc. You seem like someone who may enjoy watching Cramer's nightly show on CNBC. Doubt...
by WanderingDoc
Wed Aug 15, 2018 1:32 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1043
Views: 79831

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

If you look closely you can see that from 1970 through 2012 the two portfolios had very similar returns (10.01% and 10.17%). You can't tell just by looking, but the diversified portfolio actually had lower volatility than the US-only portfolio (15.06% vs 16.00% stdev) and slightly better risk-adjus...
by WanderingDoc
Wed Aug 15, 2018 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Get out of syndications?
Replies: 15
Views: 1659

Re: Get out of syndications?

I guess if you limit LTV, you can limit the damage, but to expect anything but declining rents, occupancies and NOI during a recession is not well-founded. Due to leverage, you can lose a lot of money and be stuck in an underperforming investment for years (or possibly lose the entire equity invest...
by WanderingDoc
Wed Aug 15, 2018 1:25 pm
Forum: Investing - Theory, News & General
Topic: Mark Cuban bullish on Netflix and Amazon
Replies: 19
Views: 1944

Re: Mark Cuban bullish on Netflix and Amazon

Mark Cuban is bullish on Netflix and Amazon. Does not own Tesla stock. Also, he is holding a tremendous amount of cash (which he stated at least twice). The whole short interview here: https://youtu.be/11kvtuuTvrM Thoughts? Are you keeping cash on the sidelines in case a great opportunity comes alo...
by WanderingDoc
Tue Aug 14, 2018 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Warns of Worsening Odds for the Economy and Markets [Portfolio help]
Replies: 12
Views: 1619

Re: Vanguard Warns of Worsening Odds for the Economy and Markets [Portfolio help]

Hi, This is the first time I am posting. I have both my 401 K and personal investments with Vanguard. I am 40 years old and have my funds diversified 85% stocks, 15% bonds. I read a NYT article "Vanguard Warns of Worsening Odds for the Economy and Markets" published August 10. https://www.nytimes.c...
by WanderingDoc
Tue Aug 14, 2018 10:42 pm
Forum: Investing - Theory, News & General
Topic: Mark Cuban bullish on Netflix and Amazon
Replies: 19
Views: 1944

Re: Mark Cuban bullish on Netflix and Amazon

RadAudit wrote:
Tue Aug 14, 2018 10:03 pm
WanderingDoc wrote:
Tue Aug 14, 2018 9:42 pm
Thoughts?
I'm happy for him. Wish him the best of luck. It's just not my approach.
Did you watch the video? Cuban is a pretty successful dude. He's made a lot of good bets in his life.
by WanderingDoc
Tue Aug 14, 2018 9:42 pm
Forum: Investing - Theory, News & General
Topic: Mark Cuban bullish on Netflix and Amazon
Replies: 19
Views: 1944

Mark Cuban bullish on Netflix and Amazon

Mark Cuban is bullish on Netflix and Amazon. Does not own Tesla stock. Also, he is holding a tremendous amount of cash (which he stated at least twice). The whole short interview here: https://youtu.be/11kvtuuTvrM Thoughts? Are you keeping cash on the sidelines in case a great opportunity comes along?
by WanderingDoc
Tue Aug 14, 2018 9:40 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1043
Views: 79831

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

With a keen knowledge of the concept of "Stay the Course" and "Don't Buy High and Sell Low" and most importantly "Don't Try to Time the Market" I cannot simply put my head in the sand and pretend that the last ten years or more have been anything other then a disappointment for those of us with Int...
by WanderingDoc
Tue Aug 14, 2018 9:37 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1043
Views: 79831

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

With a keen knowledge of the concept of "Stay the Course" and "Don't Buy High and Sell Low" and most importantly "Don't Try to Time the Market" I cannot simply put my head in the sand and pretend that the last ten years or more have been anything other then a disappointment for those of us with Int...
by WanderingDoc
Tue Aug 14, 2018 6:31 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1043
Views: 79831

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

With a keen knowledge of the concept of "Stay the Course" and "Don't Buy High and Sell Low" and most importantly "Don't Try to Time the Market" I cannot simply put my head in the sand and pretend that the last ten years or more have been anything other then a disappointment for those of us with Int...
by WanderingDoc
Mon Aug 13, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market
Replies: 5
Views: 1108

Re: Vanguard Prime Money Market

That's a lot of cash. If it's a semi-permanent allocation, have you maybe considered something like the Vanguard Ultra-Short-Term Bond Fund Admiral Shares ( VUSFX )? Or maybe 52 week T-bills at about 2.45%? What does everyone thing about this fund? If I am looking to hold cash for 6 months or less ...
by WanderingDoc
Mon Aug 13, 2018 11:29 am
Forum: Investing - Theory, News & General
Topic: AAPL, AMZN, or GOOG?
Replies: 95
Views: 10118

Re: AAPL, AMZN, or GOOG?

Apple has the cell phone/tablet industry on lock. This is false. Two out of every three smartphones sold are Android.Apple has only about 1/3rd of the market. About three out of every four tablets is Android. Apple has only 1/4th of the market. Bingo. Apple is overpriced, outsourced tech with no pr...