Search found 489 matches

by Tamalak
Wed Jun 07, 2017 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Can I tax loss harvest and then buy the same thing again?
Replies: 14
Views: 1289

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

Say I just buy a batch of VTI and the market goes down 5%. So most of my VTI shares that I've bought over my investing life will have unrealized gains, but this latest batch will have unrealized losses. Can I sell, harvest the loss, and then repurchase VTI at the lower price?
by Tamalak
Fri Jun 02, 2017 8:15 am
Forum: Investing - Theory, News & General
Topic: Bogle: Even indexing can be too much of a good thing
Replies: 25
Views: 5508

Re: Bogle: Even indexing can be too much of a good thing

The article is pretty confusing. Bogle talks about "chaos, catastrophe" and then "refuses to elaborate in the interview". Thanks dude :oops:

If he weren't the founder of (popular) indexing, the users of this forum would treat Bogle as just another fraud and his words as just more noise.
by Tamalak
Thu Jun 01, 2017 2:04 pm
Forum: Investing - Theory, News & General
Topic: What makes a Conservative BHer? for retirement purposes
Replies: 16
Views: 1888

Re: What makes a Conservative BHer? for retirement purposes

IMO, conservative or aggressive is one who diverges more than 20% from this chart:

https://lh6.googleusercontent.com/-s0y7 ... -funds.png
by Tamalak
Thu Jun 01, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Drowning in debt
Replies: 52
Views: 6141

Re: Drowning in debt

The interest rates are low enough that if you were a robot, the correct move would be to not liquidate from your taxable to pay down this stuff, IMO. But you're not a robot. You suffer stress, too much stress causes health problems, and health problems are a material liability. How much would you pa...
by Tamalak
Thu Jun 01, 2017 7:18 am
Forum: Investing - Help with Personal Investments
Topic: Predicted 4% return over next decade. What do you do now?
Replies: 71
Views: 8731

Re: Predicted 4% return over next decade. What do you do now?

Anyone else makes a prediction about returns: "HAHA NOISE" Jack Bogle makes a vague prediction, with a terrible track record, and obviously confuses the difference between nominal and real and it gets pages of discussion? Guys.. he was right about index investing. He wasn't the first, or the only on...
by Tamalak
Fri May 26, 2017 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio 100% in VTSAX for first 5 years of my career?
Replies: 18
Views: 2232

Re: Portfolio 100% in VTSAX for first 5 years of my career?

Diversify internationally!

But if you're (really, really) okay with the downside risks, 100% stocks when you're so young is fine.
by Tamalak
Wed May 24, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 107
Views: 16142

Re: i am my own "guy," but not sure I should advertise that

Bunch of shyguys in this thread :shock: Obviously you're just asking for problems if you go on a crusade to change peoples ways of thinking about investing/financial management - many people are set in their ways and will take it as a personal affront. On top of that, if they take advice and lose mo...
by Tamalak
Thu May 18, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Learning how to spend
Replies: 27
Views: 3289

Re: Learning how to spend

If you keep your spending low and continue to sock away and invest aggressively, you can retire early. Instead of a rich lifestyle you can live a free one. Does that sound more in tune with your nature? Money is power and luxury and fun when you spend it. It's freedom, security, and stability when y...
by Tamalak
Thu May 18, 2017 11:56 am
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 16178

Re: For those with $500k-$1m in investments...

67 taxable / 33 advantaged, mainly due to starting late and having a large initial balance to invest.
by Tamalak
Thu May 18, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Justification for holding Emerging Markets?
Replies: 69
Views: 6439

Re: Justification for holding Emerging Markets?

Justification: Diversification. I am not big on the concept of International as a whole being necessary for a U.S. investor. Neither is it 'necessary' for you to invest in domestic companies with names starting from A-M. You'll get lots of diversification by exclusively investing in N-Z. But why wou...
by Tamalak
Thu May 18, 2017 10:11 am
Forum: Investing - Theory, News & General
Topic: International: Where's the benefit?
Replies: 63
Views: 6429

Re: International: Where's the benefit?

There is no benefit to international, clearly. Never buy a stock that's down. Performance chasing is the only way to go!
by Tamalak
Wed May 17, 2017 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Article: "Our emergency fund is exactly $0.00"
Replies: 73
Views: 9603

Re: Article: "Our emergency fund is exactly $0.00"

I have no emergency fund and don't plan to. I keep anywhere from 5k-10k in my bank account to maintain liquidity. Any personal emergency can be withdrawn from my stock investments. I'll sell the batches with the least realized gains. The only hole in this plan is the correlation between personal eme...
by Tamalak
Wed May 17, 2017 8:53 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1449121

Re: U.S. stocks in freefall

I feel like, as with forest fires, it's healthy for stocks to have 10% dips on a regular basis to clear out the 'weak money'
by Tamalak
Wed May 17, 2017 8:41 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1449121

Re: U.S. stocks in freefall

Man. We're starved for an actual freefall. When's the last time the markets dropped even 5%?
by Tamalak
Wed May 17, 2017 7:51 am
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX need advice [Vanguard Total Stock Market]
Replies: 66
Views: 12337

Re: 100% VTSAX need advice

No international at all? I'd be a bit uncomfortable with my investments in such a high total CAPE.
by Tamalak
Fri May 12, 2017 7:41 am
Forum: Investing - Theory, News & General
Topic: How are international/global ETF region weightings determined?
Replies: 31
Views: 2043

Re: How are international/global ETF region weightings determined?

So, here's a crazy hypothetical: In 40 years international (ex-US companies) make up 90% of the world's total market cap (not % of companies, but market cap). Which is true: 1: VT is 90% ex-US and 10% US; or 2: VT is still 50% US & 50% ex-US #1 is correct. VT is total world. This is in large part w...
by Tamalak
Thu May 11, 2017 10:04 am
Forum: Investing - Theory, News & General
Topic: How are international/global ETF region weightings determined?
Replies: 31
Views: 2043

Re: How are international/global ETF region weightings determined?

So, here's a crazy hypothetical: In 40 years international (ex-US companies) make up 90% of the world's total market cap (not % of companies, but market cap). Which is true: 1: VT is 90% ex-US and 10% US; or 2: VT is still 50% US & 50% ex-US #1 is correct. VT is total world. This is in large part w...
by Tamalak
Thu May 11, 2017 5:50 am
Forum: Investing - Help with Personal Investments
Topic: international stocks poised to outperform US ???
Replies: 80
Views: 7743

Re: international stocks poised to outperform US ???

Investing in the World Stock index as a starting point is a very logical place to begin. +1 You should be able to articulate a rationale reason for not investing in Total World. Currency risk seems to be the main one, but the more I think about that the more it doesn't make sense. If the dollar goe...
by Tamalak
Wed May 10, 2017 8:00 am
Forum: Investing - Help with Personal Investments
Topic: international stocks poised to outperform US ???
Replies: 80
Views: 7743

Re: international stocks poised to outperform US ???

I have international at cap (45%ish) and am very comfortable with that. According to CAPE and the like, international IS 'poised' to outperform the US. Vanguard has been warning that the S&P's returns over the next few years are 'poised' to return much less than historical returns. That said: 1. Bei...
by Tamalak
Fri May 05, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: have you accepted a lower cost lifestyle to retire early?
Replies: 71
Views: 11150

Re: have you accepted a lower cost lifestyle to retire early?

Yes, definitely. I plan to retire at 40ish on about a million. Withdrawal rate of 2.25%. Not a lavish lifestyle, but I'll be totally free!! I'd love to as well but the biggest obstacle I see is health insurance. Otherwise I could live on $30-40k just fine but not if I am paying $2500 a month for he...
by Tamalak
Fri May 05, 2017 9:24 am
Forum: Personal Finance (Not Investing)
Topic: have you accepted a lower cost lifestyle to retire early?
Replies: 71
Views: 11150

Re: have you accepted a lower cost lifestyle to retire early?

Yes, definitely. I plan to retire at 40ish on about a million. Withdrawal rate of 2.25%. Not a lavish lifestyle, but I'll be totally free!!
by Tamalak
Wed May 03, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Betting on the eurozone dissolution
Replies: 5
Views: 743

Re: Betting on the eurozone dissolution

Try reddit.com/r/investing for advice on how to play this - here you will just be (correctly) admonished not to think you're smarter than the market.
by Tamalak
Wed May 03, 2017 12:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 408
Views: 44415

Re: Your USER NAME...what does it mean?

I invented it ages ago for an online game. It doesn't mean anything.
by Tamalak
Mon May 01, 2017 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with regret
Replies: 102
Views: 11284

Re: Dealing with regret

When I feel my inadequacies and past mistakes gnawing at me I just look out the window, at the beauty of nature, at a bird grooming itself on a branch, and think, "That bird has $0 in its 401k and less life expectancy than I have, ahahahaha"
by Tamalak
Thu Apr 27, 2017 2:52 pm
Forum: Investing - Theory, News & General
Topic: "ETFs Are 'Weapons of Mass Destruction'"
Replies: 37
Views: 5438

Re: "ETFs Are 'Weapons of Mass Destruction'"

Index investors neither Bid nor Ask, they merely buy blindly at market price. All that is set by active investors. So in EVERY trade, someone is setting a price, a valuation. Passive does not trade with passive, so no trade is actually passive in total. If indexing started to get 'out of control' we...
by Tamalak
Thu Apr 27, 2017 11:52 am
Forum: Investing - Help with Personal Investments
Topic: VTI vs VTSAX (ETF vs Mutual Fund)
Replies: 6
Views: 2745

Re: VTI vs VTSAX (ETF vs Mutual Fund)

VTI already shows as 0.04% ER on my account. Don't change for the sake of ER.

If anything, I like the ETF a bit better.. easier to trade, updates faster, can buy it in more accounts, probably will be more popular in the future than the mutual fund. I wish I had started with it.
by Tamalak
Thu Apr 27, 2017 7:41 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Lower ER .04%
Replies: 56
Views: 6985

Re: Vanguard New Lower ER .04%

Also.. didn't international funds (VTIAX/VXUS) use to be .13%? They are now .11%!
by Tamalak
Thu Apr 27, 2017 7:32 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Lower ER .04%
Replies: 56
Views: 6985

Re: Vanguard New Lower ER .04%

Woa. About half my net worth is in VTSAX/VTI. Thank you Vanguard! :moneybag :sharebeer :moneybag
by Tamalak
Tue Apr 25, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Helping adult children
Replies: 80
Views: 10771

Re: Helping adult children

I've always thought that inheritance should be split equally between children, with three exceptions: 1. If one child has been helped significantly in the past, maybe subtract that. 2. If one child has significantly wronged his family (e.g. stealing), maybe take that into account. 3. If a child has ...
by Tamalak
Tue Apr 25, 2017 7:20 am
Forum: Investing - Theory, News & General
Topic: Thinking in real vs. nominal
Replies: 46
Views: 4467

Re: Thinking in real vs. nominal

I think in real terms because that's what's going to matter. What matters is not the number in your account, what matters is your buying power.
by Tamalak
Wed Apr 19, 2017 8:14 am
Forum: Investing - Theory, News & General
Topic: Article-Argument against Buffet and Bogle's International Advice
Replies: 36
Views: 5033

Re: Article-Argument against Buffet and Bogle's International Advice

My problem with settling on a number like 20% international is '20%' means different things as the market cap drifts. It doesn't really make sense to leave it as a constant. I invest in International at cap because my plan won't need to change even if the future is very different from the present. T...
by Tamalak
Tue Apr 18, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache is doing an Ask Me Anything (AMA) on Reddit Today
Replies: 6
Views: 2193

Re: Mr. Money Mustache is doing an Ask Me Anything (AMA) on Reddit Today

Personally I appreciate the MMM community a lot more than Mr MM himself. There's quite a bit of deception from him about what he's actually doing.
by Tamalak
Tue Apr 18, 2017 7:19 am
Forum: Investing - Theory, News & General
Topic: Is all the money flowing into index funds bad?
Replies: 21
Views: 3594

Re: Is all the money flowing into index funds bad?

By using an index fund instead of stock picking, I'm denying the market any insights I might have about valuations. Except I'm not likely to HAVE any insights. In fact I'm more likely to be "dumb money" - pushing valuations the WRONG way if I stock pick. Active managers LOVE "dumb money" because we ...
by Tamalak
Tue Apr 18, 2017 7:13 am
Forum: Investing - Theory, News & General
Topic: Those that hold international equities at market-cap weight: what is your method?
Replies: 24
Views: 3731

Re: Those that hold international equities at market-cap weight: what is your method?

- Do you hold U.S./International in separate indexes (such as VTSAX/VTIAX)? This is what I do, since the "world" mutual fund/ETF have higher total ER. VTSAX/VTIAX in my taxable accounts, VTI/VXUS in my Roth. I kinda wish now I had been using the ETFs in my taxable as well, for simplicity's sake (and...
by Tamalak
Wed Apr 12, 2017 9:14 am
Forum: Investing - Theory, News & General
Topic: What rate of return do you use when planning for retirement?
Replies: 178
Views: 27534

Re: What rate of return do you use when planning for retirement?

6.6% real, but my withdraw rate is going to be 2.25%

I want to retire early and get slowly richer in real terms, too.
by Tamalak
Mon Apr 10, 2017 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Confused [about investing books]
Replies: 16
Views: 2127

Re: Confused

Your portfolio should be VTI, VXUS, and BND. That's it - that's all you need. You have to figure out the proportions of each. To do that answer two questions. 1. What is your risk tolerance? (Your ability, need, and willingness to take risk). The more you have, the less BND you want. 2. What interna...
by Tamalak
Fri Apr 07, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: Usefulness of bonds for equity investors who don't necessarily want them?
Replies: 50
Views: 3798

Re: Usefulness of bonds for equity investors who don't necessarily want them?

I don't want bonds, ever. I'd rather be flexible in my standard of living based on the whims of the market and have higher overall wealth than be poorer but more stable. I think (but can't yet know) that I'll think the same way even when stocks AREN'T at all time highs with gentle volatility and bon...
by Tamalak
Thu Apr 06, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Help on how to spend more on myself (First World Whine)
Replies: 93
Views: 8226

Re: Help on how to spend more on myself (First World Whine)

The boglehead way is: figure out what's rational, make a plan around it, then do it. Ignore emotions and day-to-day setbacks. Stay the course. Obey yesterday and command tomorrow. So, figure out what toys you want (you did), whether you can afford them (you have), then buy them. Maybe the return on ...
by Tamalak
Wed Apr 05, 2017 9:04 am
Forum: Investing - Theory, News & General
Topic: Alts:new sources of risk/return improve portfolio efficiency
Replies: 119
Views: 12434

Re: Alts:new sources of risk/return improve portfolio efficiency

Also, I accept that this is a newish kind of public investment so expenses might be higher, but SRRIX's ER of 2.29% "bogles" my mind :shock:

https://www.bloomberg.com/quote/SRRIX:US

Regardless, this is very exciting and I look forward to next week's article on alternative lending from you!
by Tamalak
Wed Apr 05, 2017 8:53 am
Forum: Investing - Theory, News & General
Topic: Alts:new sources of risk/return improve portfolio efficiency
Replies: 119
Views: 12434

Re: Alts:new sources of risk/return improve portfolio efficiency

Woa. This potentially upends my serene little bond/stock world. One thing I don't get is why reinsurance would have a high risk premium. On an individual level, the rate of say, car accidents has a high volatility and negative downside, but if I insure 10,000 people it feels like the rate of acciden...
by Tamalak
Tue Apr 04, 2017 12:22 pm
Forum: Investing - Theory, News & General
Topic: Foolish question about VT [Vanguard Total World Stock]
Replies: 10
Views: 1497

Re: Foolish question about VT [Vanguard Total World Stock]

Google Finance takes the latest quarterly dividend and multiplies it by 4. The accuracy of this method assumes that each quarterly dividend will be the same. They aren't, and so the Google number isn't too accurate. In fact, if you look at the Vanguard dividend page for VT , you'll see that last ye...
by Tamalak
Tue Apr 04, 2017 9:43 am
Forum: Investing - Theory, News & General
Topic: Foolish question about VT [Vanguard Total World Stock]
Replies: 10
Views: 1497

Foolish question about VT [Vanguard Total World Stock]

On Google Finance, VT (Total World) has a listed dividend of 2.03% VTI (U.S. only) has a dividend of 1.88% and VXUS (not-U.S. only) has a dividend of 2.75%. I figure VTI and VXUS together make the entirety of VT, and the cap is about 55% VTI and 45% VXUS, but that implies the dividend of VT should b...
by Tamalak
Fri Mar 31, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: advice on where to put money at age 55 to secure savings in the event of market crash
Replies: 35
Views: 4699

Re: advice on where to put money at age 55 to secure savings in the event of market crash

imo 80% BND, 20% VT.

Bonds are more conservative than stocks but having 20% stocks is actually less risky than having 0%, historically, because they offset bad periods for bonds.
by Tamalak
Thu Mar 30, 2017 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Sanity Check, or does it even matter if I'm sane?
Replies: 19
Views: 2462

Re: Sanity Check, or does it even matter if I'm sane?

Problem: I think about our asset allocation more than I would like. Isn't this always how it goes? For every issue facing our life, we either ignore it out of intimidated fear, or get good enough at it that we obsess over it way past the point of diminishing returns, trying to be the best. It's a r...
by Tamalak
Thu Mar 30, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 164
Views: 15437

Re: When do you plan to die?

Curing disease does not cure death. Right, therefore, I'm interested in curing the disease of aging BEFORE it kills me 8-) Can't imagine how horrible this world would become inhabited by immortal endlessly consuming its resources and seeking power over others. About as horrible as it is inhabited b...
by Tamalak
Thu Mar 30, 2017 9:09 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 250
Views: 60249

Re: John Bogle on international

3. International stocks have uncompensated currency risk. That knife cuts both ways. You "uncompensated" is based on exactly what may I ask? It's uncompensated because the price of a French stock is set mainly by French investors.. who do NOT face currency risk for their own corporation. So the ris...
by Tamalak
Thu Mar 30, 2017 8:46 am
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 164
Views: 15437

Re: When do you plan to die?

I don't plan to die at all. I think any retirement plan that necessitates my demise is absurd. So I'll be living on dividends only! I think living solely off dividends only to leave a huge pile of money behind when you die is an incredible lost opportunity. Can't imagine why you would see that as a...
by Tamalak
Thu Mar 30, 2017 8:19 am
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 164
Views: 15437

Re: When do you plan to die?

I don't plan to die at all. I think any retirement plan that necessitates my demise is absurd. So I'll be living on dividends only!
by Tamalak
Thu Mar 30, 2017 8:12 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 250
Views: 60249

Re: John Bogle on international

Since the oft repeated "only free lunch in investing is diversification" doesn't apply to international? and I suppose when he says he owns some of the corporate bond index in addition to total bond that isn't heresy either? I own international stock at cap (about 45% of my portfolio) but there are...
by Tamalak
Tue Mar 28, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter maxed out credit cards, needs help from me
Replies: 92
Views: 6955

Re: Daughter maxed out credit cards, needs help from me

20k at 21% interest is about 4k a year. How is your adult daughter not able to pay 4k a year?

Don't bail her out. 4k down the drain is frustrating but it's cheaper than a college degree and teaches a better lesson, too.