Search found 515 matches

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: 7326

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: 4490

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: 7684

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: 9473

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: 9307

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: 1125

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: 4104

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: 5878

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: 6845

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: 6845

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: 7640

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: 4797

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: 17960

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: 8234

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: 8234

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: 20341

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: 20341

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: 1590

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: 2612

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: 2612

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: 9357

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: 18646

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: 1355

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: 1355

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: 1355

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: 1355

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..
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: 1355

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: 5583

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: 1930

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: 6235

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: 8864

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: 2372

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: 16345

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: 3374

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: 16536

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: 6826

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: 6561

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: 9708

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: 6846
Views: 1496556

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: 6846
Views: 1496556

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: 13193

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: 2116

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: 2116

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: 7847

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: 7847

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: 11303

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: 11303

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: 769

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: 46616

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: 11444

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"