Search found 255 matches

by minimalistmarc
Sun Jan 07, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: What do you think of my Asset Allocation? (UK Investor)
Replies: 38
Views: 2941

Re: What do you think of my Asset Allocation? (UK Investor)

One further point, Hargreaves Lansdown is a fantastic website. They are extremely cheap for ETFs, capped at £45 / year
by minimalistmarc
Sun Jan 07, 2018 12:13 pm
Forum: Investing - Theory, News & General
Topic: Memo to those who have won the game: it's time to quit playing
Replies: 211
Views: 21410

Re: Memo to those who have won the game: it's time to quit playing

It’s not greedy to keep playing if you don’t need the money. I’ll be invested until I die hopefully not for another 60 years
by minimalistmarc
Sun Jan 07, 2018 4:31 am
Forum: Investing - Help with Personal Investments
Topic: What do you think of my Asset Allocation? (UK Investor)
Replies: 38
Views: 2941

Re: What do you think of my Asset Allocation? (UK Investor)

Use ETFs. You only need 2.

VWRL (vanguard all world)
VGOV (bonds)

Forget individual shares, and don’t bother tilting to the uk.

Check out these videos
http://kroijer.com
by minimalistmarc
Sun Jan 07, 2018 3:08 am
Forum: Personal Finance (Not Investing)
Topic: panicked- how to convince family to get life insurance
Replies: 21
Views: 2595

Re: panicked- how to convince family to get life insurance

If you have the means, how about buying a cheaper condo and allowing them to live there for affordable rent, they could sell the house and take an income from the proceeds.

Hard to know which one will die first. I’m always amazed that these sorts often seem to trundle on for several more decades.
by minimalistmarc
Sat Jan 06, 2018 3:10 am
Forum: Investing - Help with Personal Investments
Topic: As a German: Should I go 100% US stocks?
Replies: 62
Views: 6285

Re: As a German: Should I go 100% US stocks?

Weighing by GNP does not make sense at all: Soviet Union had no stock market, but they sure had GNP. We are talking regional and not country level. Here's a paper of a German professor, who did research on this topic: http://www.sciencedirect.com/science/article/pii/S1386418113000451 This is downlo...
by minimalistmarc
Fri Jan 05, 2018 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: As a German: Should I go 100% US stocks?
Replies: 62
Views: 6285

Re: As a German: Should I go 100% US stocks?

100% all world. Forget about the tilts.

Anybody who tilts thinks they have an edge on the market. If you think you have an edge then tilt and try to outperform. If you think you don’t have an edge just buy the damn haystack.
by minimalistmarc
Fri Jan 05, 2018 2:23 am
Forum: Investing - Theory, News & General
Topic: Heading for a top?
Replies: 112
Views: 10394

Re: Heading for a top?

When commenters say “top is in”, “bull market is long in the tooth”, I get the feeling they also feel there is going to be an epic crash. A lot of people say “there will definitely be a crash you just don’t know when”’ Thing is a crash may never come, or it may follow a parabolic boom and just take ...
by minimalistmarc
Mon Jan 01, 2018 4:37 pm
Forum: Investing - Theory, News & General
Topic: How long will this bull market last?
Replies: 5
Views: 1818

Re: How long will this bull market last?

A recession wouldn't necessarily mean the end of the bull market (e.g. the 1990 recession wasn't the end of the 80s-90s bull), but it probably would with valuations being so high if history is any guide. High valuations + recession has been really bad news for stocks historically. I would imagine t...
by minimalistmarc
Sun Dec 31, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Building Emergency Fund - Where to put money
Replies: 16
Views: 1392

Re: Building Emergency Fund - Where to put money

I don't really understand the need for an emergency fund when equities/bonds are very liquid investments.

In the accumulation phase, is it not better just to pile into your investments?

6 months sounds extreme in any case.
by minimalistmarc
Sun Dec 31, 2017 5:46 am
Forum: Personal Finance (Not Investing)
Topic: So, how was the year ? Gains made and Lessons learnt ?
Replies: 76
Views: 7939

Re: So, how was the year ? Gains made and Lessons learnt ?

Had our second child, now 5 months, wife and myself exhausted. Everything good investment wise. Work has been challenging but rewarding.

Here’s to a great 2018 to all Bogleheads!
by minimalistmarc
Fri Dec 29, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Is it me or does everything seem expensive?
Replies: 47
Views: 5807

Re: Is it me or does everything seem expensive?

It's probably just you.

I've learned that is is best to ignore my instincts and just buy when new funds become available.

The only thing that would make me think twice would be the general public showing great enthusiasm once again.

In the UK, it seems like nobody else I know invests in equities.
by minimalistmarc
Sun Dec 24, 2017 4:53 am
Forum: Investing - Help with Personal Investments
Topic: Do you have trouble standing firm on your asset allocation?
Replies: 45
Views: 4435

Re: Do you have trouble standing firm on your asset allocation?

Two very young kids at home has removed any space in my brain for anything more complicated than 100% equities vanguard all world.
by minimalistmarc
Sat Dec 23, 2017 4:48 pm
Forum: Investing - Theory, News & General
Topic: The extended bull market
Replies: 53
Views: 4847

Re: The extended bull market

I'm still accumulating for the next 10 - 15 years. My job is recession proof.

10 years of grinding down or a steep crash without recovery would suit me well... followed by the godfather of all bull markets preferably :)
by minimalistmarc
Sat Dec 23, 2017 6:24 am
Forum: Investing - Help with Personal Investments
Topic: S&P 500 Accumulation - What about the big dips?
Replies: 24
Views: 3576

Re: S&P 500 Accumulation - What about the big dips?

If you can’t tolerate a 40 - 50% drop then adjust your asset allocation to include more bonds or cash.
by minimalistmarc
Fri Dec 22, 2017 7:02 am
Forum: Investing - Theory, News & General
Topic: Saving for the crash
Replies: 58
Views: 8378

Re: Saving for the crash

Invariably, market timers waiting for a crash never get back in. The reason is that as a group they have very little tolerance of risk. If the market drops 20% they will wait for 30% then 40% and so on because they can’t psychologically bring themselves to pull the trigger and put their money in.
by minimalistmarc
Mon Dec 04, 2017 6:35 am
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 6751

Re: It's that time of year again... buying christmas gifts

Buying expensive gifts for the boss seems a bit sycophantic to me. I would never do that, although I don't really have a boss. Think about it, why would you buy your boss a gift? You do all the hard work and they earn more than you.
by minimalistmarc
Sun Dec 03, 2017 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio for europeans?
Replies: 13
Views: 2187

Re: 3 fund portfolio for europeans?

3 fund portfolio for Europe is something like this: Stocks: iShares Core MSCI World UCITS ETF (IWDA) 90% iShares Core MSCI Emerging Markets IMI UCITS ETF (EIMI) 10% Bonds: iShares Core Euro Government Bond UCITS ETF (SEGA) If you are from Netherland read this: https://www.bogleheads.org/wiki/Invest...
by minimalistmarc
Sun Dec 03, 2017 6:48 am
Forum: Investing - Theory, News & General
Topic: Amount You Need To Save Annually Over Lifespan
Replies: 80
Views: 10439

Re: Amount You Need To Save Annually Over Lifespan

Alexa, 1). Invest in Vanguard TSM fund $3,000. 2). Invest $850.00 per month. 3). At 7% rate of return. 4). For 40 years (age 25 - age 65). 5). You should have approx. $2Million. Here is the calculator that you need (play around with your numbers). Have Fun... https://www.investor.gov/additional-res...
by minimalistmarc
Sun Nov 26, 2017 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 112
Views: 10266

Re: Interesting ride so far - Crypto-curriencies

Then why have such a small percentage of your investments in it? :wink: Good question - in hindsight I should have invested much more. The small percentage is still a decent amount. I wanted to invest an amount that if it is a bubble the disappears I wouldn't beat myself up for the next 10 years. I...
by minimalistmarc
Fri Nov 24, 2017 4:42 am
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 11311

Re: Why does everyone keep increasing their international stock %?

If you hold less than 40% international then you are underweighting the global market cap and tilting to the US. If you do this then you are saying that you know more than all the other investment dollars in the world. Or maybe you're saying there are additional risks with international stocks, and...
by minimalistmarc
Fri Nov 24, 2017 3:08 am
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 11311

Re: Why does everyone keep increasing their international stock %?

If you hold less than 40% international then you are underweighting the global market cap and tilting to the US.

If you do this then you are saying that you know more than all the other investment dollars in the world.
by minimalistmarc
Thu Nov 23, 2017 4:23 am
Forum: Personal Consumer Issues
Topic: Public or Montessori Private School
Replies: 60
Views: 5151

Re: Public or Montessori Private School

This thread is exhausting to me. I didn't even know 3 - 4 year olds could learn to play violin, or would want to. Sounds like helicopter parenting or OCD parenting. Maybe it's just because the child is gifted. If your very young kid is always learning another language, getting music lessons and prac...
by minimalistmarc
Sun Nov 19, 2017 6:07 pm
Forum: Investing - Theory, News & General
Topic: short a stock that is halted
Replies: 8
Views: 1471

Re: short a stock that is halted

Probably nothing you can do but sounds like a valuable lesson.

What happens if you are shorting a stock that goes to zero?
by minimalistmarc
Sun Nov 19, 2017 9:31 am
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 108
Views: 14649

Re: The valet smashed my Tesla into a brick wall!

The things you own end up owning you. It's only after we've lost everything that we're free to do anything .
by minimalistmarc
Sun Nov 19, 2017 4:09 am
Forum: Personal Finance (Not Investing)
Topic: Why I am not happy even with OK Net Asset
Replies: 38
Views: 4326

Re: Why I am not happy even with OK Net Asset

I think the feeling is normal, I have it too.

I suppose there are different levels of financial independance.

Something like:
1) Frugal FI
2) Normal Fi
3) Spend whatever you want and never have to think about money again FI
by minimalistmarc
Tue Nov 07, 2017 5:00 pm
Forum: Investing - Theory, News & General
Topic: "I took all my money out of the stock market and it feels amazing"
Replies: 69
Views: 10433

Re: "I took all my money out of the stock market and it feels amazing"

I read this as one very long excuse to be a market timer. She says she’ll get back in if the market crashes
by minimalistmarc
Fri Nov 03, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: How many funds do I need?
Replies: 21
Views: 2104

Re: How many funds do I need?

I'm happy with one ETF (UK based so funds are too expensive to hold)- vanguard all world ETF
by minimalistmarc
Wed Nov 01, 2017 5:01 pm
Forum: Investing - Theory, News & General
Topic: Robert Prechter, Elliott Wave theorist, Fox Business today
Replies: 24
Views: 2368

Re: Robert Prechter, Elliott Wave theorist, Fox Business today

Pretcher has been saying the exact same thing for years. Not actionable.
by minimalistmarc
Wed Nov 01, 2017 4:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: Taylor Larimore Member #495
Replies: 17
Views: 8163

Re: Taylor Larimore Member #495

Thank you Taylor. We are a small and fortunate group to have such a great teacher and others giving advice on this board.

I hope all Bogleheads continue to impart what they have learned to all who will listen.
by minimalistmarc
Thu Oct 12, 2017 1:27 am
Forum: Investing - Help with Personal Investments
Topic: $5.5K to invest - best strategy
Replies: 22
Views: 2196

Re: $5.5K to invest - best strategy

Best to buy bitcoin. It is 95% likely that all bitcoin holders will be rich in a few years.
by minimalistmarc
Sat Oct 07, 2017 11:24 am
Forum: Investing - Theory, News & General
Topic: Bogle himself is saying we will expect like 3% for the next decades
Replies: 141
Views: 18650

Re: Bogle himself is saying we will expect like 3% for the next decades

3% is okay. For people not retiring within the next 10 years, lower gains is a positive thing.

Could be 0% for 10 years then 300% over the next 5
by minimalistmarc
Tue Oct 03, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Help with private investment opportunity
Replies: 47
Views: 3509

Re: Help with private investment opportunity

C'mon Robert, you know this is very high risk right? This is no different to other VC/microcap investments. Most of them go bust. Sure you might make your millions but most don't. Also keep in mind, that these early stage companies often issue more shares in stages and if you don't want your holding...
by minimalistmarc
Fri Sep 22, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: Gaps in new hardwood flooring
Replies: 52
Views: 4173

Re: Gaps in new hardwood flooring

Cork flooring is the worst.

Once it's down it's never coming back up.

We've just floored over ours with laminate flooring and are so glad not to see it ever again
by minimalistmarc
Tue Sep 12, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 23110

Re: Is it really Worth it to brown bag your lunch at work?

My wife and I pretty much bring lunch from home to eat at the office every day. We've been doing this all of our respective 22 year careers to date. I've noticed in my office, some people do the same as me. And others go to our cafeteria or get take out every, and I mean EVERY, day. So I was curiou...
by minimalistmarc
Sat Sep 02, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: Would you rather (car wash/detail)
Replies: 31
Views: 3732

Re: Would you rather (car wash/detail)

I have a black car and never wash it.
by minimalistmarc
Sat Sep 02, 2017 5:00 am
Forum: Investing - Theory, News & General
Topic: [Bitcoin] question
Replies: 131
Views: 13316

Re: Bit Coin question

If Bogleheads discussing Bitcoin isn't a sign it's a massive bubble I don't know what is. Perhaps crypto currencies are the future, but there could be any number of different crypto currencies. I find it highly unlikely that all bitcoin holders today are going to be multimillionaires in the next few...
by minimalistmarc
Sun Aug 20, 2017 2:19 am
Forum: Investing - Theory, News & General
Topic: Japanese Bubble Burst 1989
Replies: 78
Views: 9483

Re: Japanese Bubble Burst 1989

What was actually happening in 1989 which made the world see Japan as such an amazing investment?
by minimalistmarc
Sat Aug 19, 2017 1:47 am
Forum: Personal Finance (Not Investing)
Topic: Help with trust / spendthrift in-law
Replies: 24
Views: 4108

Re: Help with trust / spendthrift in-law

I dunno, this seems like a very good way to wreck family bonds after you die.
by minimalistmarc
Fri Aug 18, 2017 5:58 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6844
Views: 1494125

Re: U.S. stocks in freefall

If you can't lose, than how can you gain? What is your net-worth? Just the cash in your bank account? I'd rather lose $100K in a market fluctuation than in a robbery, as my odds of getting it back are much higher, but how can you possibly not consider it a real, material loss? Because historically ...
by minimalistmarc
Thu Aug 10, 2017 2:24 am
Forum: Investing - Theory, News & General
Topic: Investing In Water
Replies: 29
Views: 3526

Re: Investing In Water

All the above widely available information is probably priced in so I'm happy holding market weighting to water stocks in my index funds.
by minimalistmarc
Wed Aug 09, 2017 6:12 am
Forum: Investing - Help with Personal Investments
Topic: Israel ETFs
Replies: 17
Views: 1738

Re: Israel ETFs

Are you planning on investing roughly the value of property you would be looking to buy?

What if there is an Israeli house price crash?
by minimalistmarc
Fri Aug 04, 2017 3:51 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 335
Views: 64613

Re: Retreat to cash

28-Nov-2016 1500 UTC Well, let's see what happens. Unconvinced by the feedback here, I've decided to get out of the market for a while. I remain convinced that there is an above average probability that the markets will experience a period of significant decline due to turmoil as the US administrat...
by minimalistmarc
Thu Aug 03, 2017 1:45 pm
Forum: Investing - Theory, News & General
Topic: Living Off Dividends
Replies: 285
Views: 27572

Re: Living Off Dividends

Yet again, I have proven another of member jbolden1517's claims as false. It is false to claim that investor Y is able to benefit from some magical lower cost of capital. I think that it is pretty clear that member jbolden1517 has been flooding us with lots of false and unsubstantiated claims, dire...
by minimalistmarc
Tue Jul 25, 2017 5:12 am
Forum: Investing - Theory, News & General
Topic: Living Off Dividends
Replies: 285
Views: 27572

Re: Living Off Dividends

The "living off dividends" idea just makes me bang my head off a brick wall. I have a well diversified P2P loan portfolio (asset backed loans only), that pays around 12% - 13% annually, in monthly installments. I have not had any losses in 3 years. If you were obsessed with living off dividends rela...
by minimalistmarc
Mon Jul 17, 2017 1:49 am
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 21229

Re: Dividend Misunderstandings & Only Spend Return

One of the dividend stalwarts of the FTSE100 just came out with bad news and the share price has tanked by 70% and the dividend cut. It was popular in the UK with the dividend investor crowd, who were investing for it's 9% dividend. This was a sizable company by UK standards with 45000 employees. Ca...
by minimalistmarc
Sat Jul 15, 2017 2:38 am
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 8938

Re: Cheap eggs... how bad?

We buy free range eggs but only because we care about the welfare of the animal.

If you don't care about chicken welfare then the cheap eggs are fine.
by minimalistmarc
Wed Jul 12, 2017 7:15 am
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 21229

Re: Dividend Misunderstandings & Only Spend Return

I hate the way it's called "Dividend INCOME". It's not called income if you take cash out of your bank account. Dividends should be called something else so people stop being confused about them. Dividend lovers seem to be completely obsessed with the word INCOME, almost like it is a drug to them. I...
by minimalistmarc
Mon Jul 03, 2017 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Rich Inlaws - Buy Us a House and Let Us Live Rent Free/Cheap?
Replies: 28
Views: 3298

Re: Rich Inlaws - Buy Us a House and Let Us Live Rent Free/Cheap?

Is this some kind of entitled rich person syndrome.

Dude, seruously get a grip. Your request seems almost sociopathic.

Back in the real world, you probably could retire if you downsized your lifestyle.

I don't even want to know what your outgoings are but I guess extremely high
by minimalistmarc
Sat Jul 01, 2017 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: P2P Lending - Anyone try it?
Replies: 93
Views: 12153

Re: P2P Lending - Anyone try it?

I've been doing p2p lending in the UK for 2.5 years now. I only do asset backed lending. I have built up a diversified pot of loans of £250k with 1 - 3 % of the pot in each loan. To date I have only had one loan default, and it looks like it will be fully recovered. All loans are 11% minimum up to 1...