Search found 489 matches

by Tamalak
Fri Aug 18, 2017 8:22 am
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 89
Views: 26976

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

Proposal 7— A shareholder proposal to institute transparent procedures to avoid holding investments in companies that, in management’s judgement, substantially contribute to genocide or crimes against humanity, the most egregious violations of human rights. How would not holding Genocide Corp stock...
by Tamalak
Thu Aug 17, 2017 4:08 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1451065

Re: U.S. stocks in freefall

I wouldn't want a market dip at any time, even in the accumulation phase. If the market drops 10% it means the estimation of its value and future potential has gone down 10%. It's not "yay I'm buying potatoes and they're on sale" it's "oh I'm buying potatoes and they're on sale because of spoilage....
by Tamalak
Thu Aug 17, 2017 3:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1451065

Re: U.S. stocks in freefall

I wouldn't want a market dip at any time, even in the accumulation phase. If the market drops 10% it means the estimation of its value and future potential has gone down 10%. It's not "yay I'm buying potatoes and they're on sale" it's "oh I'm buying potatoes and they're on sale because of spoilage."...
by Tamalak
Wed Aug 16, 2017 10:14 am
Forum: Investing - Help with Personal Investments
Topic: bitcoin makes you rich
Replies: 49
Views: 5825

Re: bitcoin makes you rich

Not going to touch bitcoin, or any other currency. It's speculation. The average expected return of a speculative investment is 0.
by Tamalak
Wed Aug 16, 2017 9:04 am
Forum: Investing - Help with Personal Investments
Topic: what % of international stock
Replies: 31
Views: 2683

Re: what % of international stock

Just buy VT. International at capitalization.
by Tamalak
Sun Aug 13, 2017 9:30 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey spends two segments on his investing advice
Replies: 84
Views: 13688

Re: Dave Ramsey spends two segments on his investing advice

It's always been my policy that if your net worth is below zero, listen to Dave Ramsey, and if it's above zero, listen to Bogleheads.
by Tamalak
Wed Aug 09, 2017 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Invest in U.S. ETFs Now?
Replies: 25
Views: 2616

Re: Invest in U.S. ETFs Now?

There is a chance of a crash when the market is at an all time high. There is a chance of a crash when the market has been flat. There is a chance of a crash when the market has just crashed. The market returns a risk premium because the market is risky. You are not going to get the risk premium wit...
by Tamalak
Mon Aug 07, 2017 8:34 am
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 331
Views: 61821

Re: Retreat to cash

The best time in the last few decades to buy stocks was when P/E was over 100 - the bottom of the 2008 crisis. Prices were deflated, but Earnings were deflated a whole lot more!

P/E fetishizing concerns me. It's a useful tool but so simple it's easily abused..
by Tamalak
Fri Aug 04, 2017 9:48 am
Forum: Investing - Theory, News & General
Topic: Dow up-Total Stock Market Index Fund Down??
Replies: 14
Views: 1581

Re: Dow up-Total Stock Market Index Fund Down??

There is a reason the Dow will continue being reported for ages to come.

Say "Dow" three times fast.

Now say "S&P 500" three times fast.

There you go.
by Tamalak
Thu Aug 03, 2017 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: 250k in savings. need some advice and a kick in the butt
Replies: 31
Views: 4270

Re: 250k in savings. need some advice and a kick in the butt

Please enlighten me and everyone else, what artifice is inflating the market and how far above the correct valuation is the market right now? People come here for help and advice. I don't think this tone is really helpful. :( I am just eager to learn from someone who actually knows what the correct...
by Tamalak
Thu Aug 03, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: 250k in savings. need some advice and a kick in the butt
Replies: 31
Views: 4270

Re: 250k in savings. need some advice and a kick in the butt

i just dont feel knowledgeable enough about individual stocks i dont trust the artifically inflated market. You don't know a whole lot about stocks but you sure do know better than the professionals setting the prices with their own money? Please enlighten me and everyone else, what artifice is inf...
by Tamalak
Thu Aug 03, 2017 9:03 am
Forum: Investing - Theory, News & General
Topic: Is now time to move into international stocks?
Replies: 57
Views: 8306

Re: Is now time to move into international stocks?

If "low PE" means "higher expected forward-looking returns", then don't merely move international. Shove all your money into Russia and Africa.
by Tamalak
Thu Aug 03, 2017 8:57 am
Forum: Investing - Theory, News & General
Topic: Wells Fargo - what the kittens?
Replies: 36
Views: 3634

Re: Wells Fargo - what the kittens?

I've banked with Wells Fargo since their inception ... Okay, you made me look. en.wikipedia.org/wiki/List_of_oldest_banks_in_continuous_operation I am also a vampire. (Sorry, I meant to say I banked with them since they took over Wachovia, which for some reason is when I consider them to have start...
by Tamalak
Thu Aug 03, 2017 8:33 am
Forum: Investing - Theory, News & General
Topic: Wells Fargo - what the kittens?
Replies: 36
Views: 3634

Re: Wells Fargo - what the kittens?

I've banked with Wells Fargo since their inception and I've had no (known) issues with them. I only use them for simple banking services for 10kish money. Had considered taking out a mortgage with them once, thank goodness that fell thru. Even though my interaction with them is limited and I've had ...
by Tamalak
Thu Jul 27, 2017 3:25 pm
Forum: Investing - Theory, News & General
Topic: VT vs VTI+VXUS
Replies: 3
Views: 1984

Re: VT vs VTI+VXUS

I do VXUS + VTI and keep it cap weighted. Only reason I do this instead of just buying VT is the expense ratios. I feel a bit silly doing it. A nerd hobby that saves me maybe $100 a year.
by Tamalak
Mon Jul 24, 2017 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Does VGTSX have potential to go up? Double? Triple?
Replies: 13
Views: 2738

Re: Does VGTSX have potential to go up? Double? Triple?

If you want to double or triple quickly, you definitely don't want a broad index fund, yeah. Even the absolute best case scenario historically it would take a few years (3+) just to double. Average historical it takes 7 years to double. To double in REAL terms (after inflation) you need 11 years ave...
by Tamalak
Fri Jul 21, 2017 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 165
Views: 12063

Re: Can anyone convince me I need international stock in my portfolio?

It looks like the only two significant time periods where ex-US stock outperformed US stock were in 1986-90 and 2003-08. Maybe we're about due for another one, or maybe not. By coincidence ( not! ) these are two periods of time of significant dollar weakening. https://s11.postimg.org/jq2qboo2b/Capt...
by Tamalak
Fri Jul 21, 2017 7:19 am
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 165
Views: 12063

Re: The crowd is always wrong

"If you believe Jack Bogle, here's where you should invest." I'm not here because I 'believe Jack Bogle', I'm here because one particular thing advocated by Jack Bogle (index investing), I have come to be convinced thru reason is a really good idea. That does not mean Jack Bogle becomes a prophet. ...
by Tamalak
Thu Jul 20, 2017 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 165
Views: 12063

Re: Can anyone convince me I need international stock in my portfolio?

You don't NEED international stock. You also don't NEED stocks that start with the letter 'n'. But why would you exclude them? Has there ever been a time that international out performed the us markets? Yes, often: https://www.hartfordfunds.com/content/thf/en/insights/client-conversations/Investing...
by Tamalak
Thu Jul 20, 2017 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 165
Views: 12063

Re: Can anyone convince me I need international stock in my portfolio?

You don't NEED international stock. You also don't NEED stocks that start with the letter 'n'.

But why would you exclude them?
by Tamalak
Tue Jul 18, 2017 1:20 pm
Forum: Investing - Theory, News & General
Topic: "The Worst ETFs You Can Own"
Replies: 38
Views: 4262

Re: "The Worst ETFs You Can Own"

"It is weasel-worded, but the clear message is: do not use leveraged ETFs as part of any buy-and-hold strategy." Are we absolutely sure about this? If we tracked a 2x total stock ETF over 100 years, would that still be worse than a 1x total stock? I'm guessing yes. But what about a 1.1x? A 1.5? I do...
by Tamalak
Tue Jul 18, 2017 8:34 am
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 22173

Re: How are folks handling the unprecedented rise in the market ?

I feel fine about it in large part because half my money is in international.. and international hasn't had a huge bull run these last 5 years, in fact it's gone freaking nowhere. So I don't feel 'due for a crash'.
by Tamalak
Fri Jul 07, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Am I on track, or just crazy...
Replies: 38
Views: 6864

Re: Am I on track, or just crazy...

Figure out what you want, then figure out what you need to do to get it, then do it. If you follow all three steps thoroughly and the answer to step 1 isn't "cover myself in shark pee" or similar then you're not crazy.
by Tamalak
Fri Jul 07, 2017 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Retire at 55 on $41K/yr fixed pension with $1MM portfolio?
Replies: 26
Views: 7238

Re: Retire at 55 on $41K/yr fixed pension with $1MM portfolio?

Are you kidding? You're bulletproof. This is ridiculous. I'd retire at 40.
by Tamalak
Thu Jul 06, 2017 8:24 am
Forum: Investing - Theory, News & General
Topic: What is a "sleeve"?
Replies: 34
Views: 4346

Re: What is a "sleeve"?

Who cares what ridiculous words financial "advisors" have most lately invented to make the simple look complicated?

Ignore their gibberish and tell your friend to do the same.
by Tamalak
Wed Jul 05, 2017 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: 45yo 18M portfolio, best way to grow?
Replies: 47
Views: 7574

Re: 45yo 18M portfolio, best way to grow?

Sheesh. Sell your rentals and stick your life savings in VT. The dividends alone will fund a lavish lifestyle even if the stock market gets cut in half.

Then do anything, anything you please. Your limitation is time, not money, so maximize time.
by Tamalak
Wed Jul 05, 2017 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Should I still buy index funds now at such a high price before an impending recession?
Replies: 59
Views: 9331

Re: Should I still buy index funds now at such a high price before an impending recession?

Hey everyone, I would like your advice on the following questions. I think a recession will occur in the near future. Should I still buy index funds now at such a high price before an impending recession? I have some stocks that are losing and some are gaining, but in the recession I expect it to d...
by Tamalak
Thu Jun 29, 2017 7:13 am
Forum: Investing - Theory, News & General
Topic: Time in the market is more important, But seriously ?
Replies: 60
Views: 9195

Re: Time in the market is more important, But seriously ?

A 'peak' is something that has a downslope on both sides. We don't know if something is a peak except in retrospect. I would lump sum my entire portfolio in right now. If I wouldn't do that, I would remove money from the market right now. You 'buy' your portfolio every day. Becoming invested is no d...
by Tamalak
Thu Jun 29, 2017 7:12 am
Forum: Investing - Help with Personal Investments
Topic: Chosing the Bond Portion of the 3
Replies: 8
Views: 1071

Re: Chosing the Bond Portion of the 3

Bonds aren't supposed to return much for what they give you. They are for stability, not total return. In large stock market drops, bonds tend to hold steady or even rise, giving you the effect of 'dry powder' that also yields some and even has an anti-correlating effect with stocks.
by Tamalak
Thu Jun 22, 2017 3:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: HOW MUCH active management is right for you? :(
Replies: 37
Views: 3980

Re: Vanguard: HOW MUCH active management is right for you? :(

It's real shameful. I have 0 problem with Vanguard offering active funds - if there is legitimate, not-juiced-up demand for a product, go ahead and provide it! But PUSHING active funds is a betrayal of bogleheadism!
by Tamalak
Thu Jun 22, 2017 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Is VG Total Stock Market Index too concentrated?
Replies: 52
Views: 5641

Re: Is VG Total Stock Market Index too concentrated?

If you want greater diversity, diversify internationally (VXUS/VTIAX)
by Tamalak
Thu Jun 22, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: What do you say when you cancel an account that you only opened for bonus?
Replies: 64
Views: 6647

Re: What do you say when you cancel an account that you only opened for bonus?

Tell the truth. Lies are only called for when the stakes are high, they're not high here. The question is "what is the truth here?" Do you tell a CSR a long story how you have opened account only to get a bonus, how you never had an intention to keep it, and how your other account pays better rates...
by Tamalak
Thu Jun 22, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: What do you say when you cancel an account that you only opened for bonus?
Replies: 64
Views: 6647

Re: What do you say when you cancel an account that you only opened for bonus?

Tell the truth. Lies are only called for when the stakes are high, they're not high here.
by Tamalak
Wed Jun 21, 2017 7:25 am
Forum: Investing - Help with Personal Investments
Topic: Is a Total Stock Market Index enough...
Replies: 36
Views: 7305

Re: Is a Total Stock Market Index enough...

Because there's pretty good evidence that it's important to stay the course and not keep changing your portfolio, "chasing performance," an important factor in any portfolio choice is "what is a portfolio I can and will stick with, when I get to some period of time when it underperforms?" +1 to thi...
by Tamalak
Wed Jun 14, 2017 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Bought $31K Stocks Today: Am I Mad?
Replies: 32
Views: 4678

Re: Bought $31K Stocks Today: Am I Mad?

OP, great job pushing past the fear of risk and putting your money to work! :sharebeer
by Tamalak
Tue Jun 13, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 17370

Re: Who takes financial chances and why is this forum so financially conservative?

The OP's concern hits home. I do plan to use a 2.25% withdrawal rate in retirement. Ridiculously low, yes, my justifications are: 1. I plan to retire early, around age 40. 2. I plan to live indefinitely (in the hopes of rejuvenation technologies coming out) so my timeframe is very long. I also kind ...
by Tamalak
Tue Jun 13, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!
Replies: 75
Views: 7980

Re: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!

"if we are at the beginning of a major market crash, should I at least tilt that allocation slightly towards bonds and perhaps a bit more international?" Of course not. If we are at the beginning of a major market crash, you should put all your money into a 3x leveraged inverse S&P ETF. Thank you f...
by Tamalak
Tue Jun 13, 2017 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!
Replies: 75
Views: 7980

Re: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!

"if we are at the beginning of a major market crash, should I at least tilt that allocation slightly towards bonds and perhaps a bit more international?"

Of course not. If we are at the beginning of a major market crash, you should put all your money into a 3x leveraged inverse S&P ETF.
by Tamalak
Tue Jun 13, 2017 8:36 am
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 19741

Re: Bogle Doubles Down on US Index Funds

Rehashing this subject ain't a bad thing from my point of view. Even though similar arguments may persist, over time, context, perspective and nuance may prevail. +1 - I only came to understand this issue and find a plan that I can stick thru thick and thin after reading like 10 topics on internati...
by Tamalak
Tue Jun 13, 2017 7:27 am
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 19741

Re: Bogle sticks with U.S. Stock (article)

“I believe the U.S. is the best place to invest,” Bogle said. “We probably have the most technology-oriented economy in the world. I would bet that the U.S. will do better than the rest of the world. It is a simple bet on which economy is going to be the strongest in the long run.” The same argument...
by Tamalak
Fri Jun 09, 2017 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand how to compare stocks
Replies: 12
Views: 1512

Re: Help me understand how to compare stocks

Figure out what you want to invest in. Conceptually, not "name the fund". Then find the best funds to match your plan.

Don't invest in what you don't understand.
by Tamalak
Fri Jun 09, 2017 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Am I too conservative?
Replies: 19
Views: 2520

Re: Am I too conservative?

The standard wisdom is to hold anything from 0% of your stock in international to whatever the cap is (currently 45%), so you are tilting international a bit more than is considered wise. Not a huge problem, just something to keep in mind. That advice is for US investors. It makes sense to me for a...
by Tamalak
Fri Jun 09, 2017 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Am I too conservative?
Replies: 19
Views: 2520

Re: Am I too conservative?

-Vanguard would allocate 10% bonds to someone as young as you , while you have 25% in bonds. So you're a bit more conservative than 'standard'. This does not mean your asset allocation is wrong, especially if you're unsure about how you'd handle a downturn. -What is the expense ratio of those two in...
by Tamalak
Fri Jun 09, 2017 8:03 am
Forum: Personal Finance (Not Investing)
Topic: How to deal with a personal finance cynic
Replies: 109
Views: 8959

Re: How to deal with a personal finance cynic

OP, your friend is correct. This site has a disturbing amount of "I am 14 years old with a net worth of 5 million dollars, am I doing okay? ( ͡° ͜ʖ ͡°)" posts, see this most recent example of humblebrag trolling or skewed perspective bordering on mental illness or both. There is definitely wisdom he...
by Tamalak
Thu Jun 08, 2017 8:26 am
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 148
Views: 17176

Re: 100% Stock Portfolio?

Yes. I have a 100% stock portfolio and plan to keep that my whole life. I also, however, plan to not die (rejuvenation technology) so my time horizon is always very long.
by Tamalak
Wed Jun 07, 2017 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Can I tax loss harvest and then buy the same thing again?
Replies: 14
Views: 1293

Re: Can I tax loss harvest and then buy the same thing again?

I don't reinvest dividends anyway, I don't like to have a lot of tiny batches everywhere. I don't want to move from VTI to VOO and make a mess either, though, so I guess I won't harvest losses unless it's worth losing that 1%ish time in the market value. It's worth trying once if you have the oppor...
by Tamalak
Wed Jun 07, 2017 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Can I tax loss harvest and then buy the same thing again?
Replies: 14
Views: 1293

Re: Can I tax loss harvest and then buy the same thing again?

I don't reinvest dividends anyway, I don't like to have a lot of tiny batches everywhere.

I don't want to move from VTI to VOO and make a mess either, though, so I guess I won't harvest losses unless it's worth losing that 1%ish time in the market value.
by Tamalak
Wed Jun 07, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Can I tax loss harvest and then buy the same thing again?
Replies: 14
Views: 1293

Re: Can I tax loss harvest and then buy the same thing again?

So I'd have to buy it 31 days after the sale, which would cost me an average of maybe 1% in market gains.. Just buy something that is similar but not substantially identical. Correct, just transfer the $$ into VOO and you'll be fine: a valid tax loss harvested and never out of the market... Sneaky ...
by Tamalak
Wed Jun 07, 2017 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Can I tax loss harvest and then buy the same thing again?
Replies: 14
Views: 1293

Re: Can I tax loss harvest and then buy the same thing again?

So I'd have to buy it 31 days after the sale, which would cost me an average of maybe 1% in market gains..