Search found 981 matches

by Brianmcg321
Tue Sep 15, 2020 8:29 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio's Bridgewater
Replies: 24
Views: 2127

Re: Ray Dalio's Bridgewater

Y'all are pretty harsh with Ray Dalio. This is one of his funds on one year. His main input has been risk parity, an agnostic approach to investing, ruling out market timing and prognostications about the future. I would have expected bogleheaders to be more appreciative of such an approach. Not th...
by Brianmcg321
Tue Sep 15, 2020 8:15 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio's Bridgewater
Replies: 24
Views: 2127

Re: Ray Dalio's Bridgewater

If you want risk parity it would be better to just use the Harry Browne Permanent Portfolio. The PP is up 14% this year. That would be a more bolglehead approach. Not some leveraged hedge fund. Yes, the PP just keeps chugging along. Another vote for lazy portfolios instead of expensive complex solu...
by Brianmcg321
Tue Sep 15, 2020 8:14 pm
Forum: Investing - Theory, News & General
Topic: Wondering why Value funds have done so poorly?
Replies: 28
Views: 3486

Re: Wondering why Value funds have done so poorly?

Get just a total market fund. Then you have growth and value and don't have to guess. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2020&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount=10000&annualOperation=0&annualAdjust...
by Brianmcg321
Tue Sep 15, 2020 7:53 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio's Bridgewater
Replies: 24
Views: 2127

Re: Ray Dalio's Bridgewater

Y'all are pretty harsh with Ray Dalio. This is one of his funds on one year. His main input has been risk parity, an agnostic approach to investing, ruling out market timing and prognostications about the future. I would have expected bogleheaders to be more appreciative of such an approach. Not th...
by Brianmcg321
Tue Sep 15, 2020 2:46 pm
Forum: Personal Investments
Topic: Vanguard funds in retirement
Replies: 15
Views: 1637

Re: Vanguard funds in retirement

I use LifeStrategy Income in my Trad. IRA, and LifeStrategy Growth in my Roth IRA. Someday I might break them up into their components, but for now I love the simplicity. And they re-balance for me, too! I'm 67 and retired. That's a good plan. I was going to do something similar when I retire (I'm ...
by Brianmcg321
Tue Sep 15, 2020 2:42 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio's Bridgewater
Replies: 24
Views: 2127

Re: Ray Dalio's Bridgewater

The more Dalio talks the more I think he's a space cadet. I can't finish any interview with him as I just get sick of how arrogant and condescending he talks.
by Brianmcg321
Tue Sep 15, 2020 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Is This a Good or Bad Time to Buy a House?
Replies: 21
Views: 2959

Re: Is This a Good or Bad Time to Buy a House?

A good time to buy a house is if you need a place to live.
by Brianmcg321
Tue Sep 15, 2020 11:42 am
Forum: Personal Investments
Topic: Where to start - advising my DS #2
Replies: 28
Views: 2063

Re: Where to start - advising my DS #2

Have him read this blog. And buy him the book.
https://jlcollinsnh.com/stock-series/

No reason to get any more complicated.
by Brianmcg321
Tue Sep 15, 2020 11:33 am
Forum: Personal Investments
Topic: Vanguard funds in retirement
Replies: 15
Views: 1637

Re: Vanguard funds in retirement

Vanguard life strategy funds would be right up your ally.

Decide what asset allocation you are comfortable with and just have one fund. Simple is best.

https://investor.vanguard.com/mutual-fu ... trategy/#/
by Brianmcg321
Tue Sep 15, 2020 11:31 am
Forum: Personal Consumer Issues
Topic: Solar - after 1 year the results are in.
Replies: 64
Views: 6900

Re: Solar - after 1 year the results are in.

squirm wrote: Tue Sep 15, 2020 10:15 am Much of it depends on the solar credits from the utility. I'm surprised you didn't see a a drop to zero with a system of that size.
That does seem like a pretty large system for a house that size. I’m betting most of the bill is a connection charge and misc fees.
by Brianmcg321
Mon Sep 14, 2020 8:25 am
Forum: Personal Consumer Issues
Topic: Buying a car?
Replies: 25
Views: 2077

Re: Buying a car?

When a 2016 car with only 40k miles is considered “old”. Lol.

The insurance you will be paying will buy an awful lot of gas.
by Brianmcg321
Sun Sep 13, 2020 8:04 am
Forum: Personal Investments
Topic: I’ve got 50K to invest in an ultra aggressive portfolio—seeking growth to 1 Million
Replies: 76
Views: 7660

Re: I’ve got 50K to invest in an ultra aggressive portfolio—seeking growth to 1 Million

Ultra aggressive?

25% AAPL
25% TSLA
25% AMZN
25% FB

Or

100% TQQQ

Stock up on Rolaids.
by Brianmcg321
Sat Sep 12, 2020 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Near number but not at retirement age
Replies: 36
Views: 3145

Re: Near number but not at retirement age

I’m at that point now. 47 and have hit seven figures. That was my goal by 60. If I don’t contribute another dime will have almost $3mil by 60. I’ve reduced my retirement savings from 25% to just 6% (to get company match in 401k). We have decided to upgrade our cars and spend more money on our home ...
by Brianmcg321
Sat Sep 12, 2020 10:22 am
Forum: Personal Consumer Issues
Topic: 70% VLT automotive window tint. Is it worth it?
Replies: 13
Views: 996

Re: 70% VLT automotive window tint. Is it worth it?

I’ve got 50% tint on the windshield on my F150, and 35% on the rest. Makes a huge difference in heat.

The tint on the windshield is actually more beneficial at night. There is no glare off incoming headlights even if they have their brights on.

You will love it.
by Brianmcg321
Sat Sep 12, 2020 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Near number but not at retirement age
Replies: 36
Views: 3145

Re: Near number but not at retirement age

I’m at that point now. 47 and have hit seven figures. That was my goal by 60. If I don’t contribute another dime will have almost $3mil by 60. I’ve reduced my retirement savings from 25% to just 6% (to get company match in 401k). We have decided to upgrade our cars and spend more money on our home r...
by Brianmcg321
Sat Sep 12, 2020 10:00 am
Forum: Personal Investments
Topic: What Blend of These 2 Fidelity Funds Approximates TSM
Replies: 12
Views: 968

Re: What Blend of These 2 Fidelity Funds Approximates TSM

80/20

Extended market contains small caps also. The combination of the two will give you a TSM.
by Brianmcg321
Sat Sep 12, 2020 9:28 am
Forum: Personal Investments
Topic: Any reason not to combine your 401K when changing employers?
Replies: 34
Views: 2862

Re: Any reason not to combine your 401K when changing employers?

If your new 401k is terrible with high fees, I would keep it at the old one or roll it over to an IRA.
by Brianmcg321
Sat Sep 12, 2020 7:45 am
Forum: Non-US Investing
Topic: Do bonds make sense in my portfolio?
Replies: 10
Views: 1091

Re: Do bonds make sense in my portfolio?

I didn’t put any bonds in my portfolio until I turned 47 this year.

At your age, if your maxing out your accounts, that essentially acts like a bond, smoothing out the ride.
by Brianmcg321
Thu Sep 10, 2020 8:15 pm
Forum: Personal Investments
Topic: Tracking Portfolio Against SP500
Replies: 10
Views: 724

Re: Tracking Portfolio Against SP500

Wow. Is there a system you’re not trying? :oops:
by Brianmcg321
Thu Sep 10, 2020 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Should we buy a $3M+ house with parental help?
Replies: 167
Views: 11921

Re: Should we buy a $3M+ house with parental help?

No. If you can't afford it, then you can't afford it. Find something you can afford.
by Brianmcg321
Mon Sep 07, 2020 12:38 pm
Forum: Investing - Theory, News & General
Topic: How do Bogleheads cope with FOMO? [Fear Of Missing Out]
Replies: 97
Views: 7909

Re: How do Bogleheads cope with FOMO?

I’m not missing out on anything. I’ve enjoyed a nice fat 14% return on my portfolio the past ten years. I got a 30% return last year. I hit my retirement number 10 years early. And I didn’t have to gamble any of my money to do it. The people that will miss out is once the music stops and prices come...
by Brianmcg321
Mon Sep 07, 2020 9:25 am
Forum: Personal Investments
Topic: ROTH vs. Traditional - How Did You Choose?
Replies: 34
Views: 2140

Re: ROTH vs. Traditional - How Did You Choose?

For me it was age and taxe rate. I started a Roth IRA when I was 23. The younger you are and lower tax bracket the better deal a Roth is.

Now I’m still in the lower tax bracket and contribute to a Roth 401k and IRA.
by Brianmcg321
Sat Sep 05, 2020 7:46 am
Forum: Investing - Theory, News & General
Topic: Did bonds really beat stocks over the last 20 years?
Replies: 34
Views: 3715

Re: Did bonds really beat stocks over the last 20 years?

If you had invested a lump sum in two portfolios in 2000, one all stocks, and one in a standard 60/40, it wasn’t until 2018 that the all stock portfolio caught back up from the 2000, and 2008 crashes. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=2000&firstMonth=1...
by Brianmcg321
Fri Sep 04, 2020 7:54 pm
Forum: Personal Investments
Topic: Continue to save in Tax Deferred Accounts?
Replies: 19
Views: 2208

Re: Continue to save in Tax Deferred Accounts?

From 2000 to 2010 your portfolio achieved less than 2% return. It is referred to as the lost decade. If you weren't adding any money to your account during that time you would be far short of your goal. I wouldn't stop adding until I hit at least seven figures. https://www.portfoliovisualizer.com/ba...
by Brianmcg321
Fri Sep 04, 2020 7:28 pm
Forum: Personal Investments
Topic: 401k expense ratio.
Replies: 4
Views: 537

Re: 401k expense ratio.

Who is the 401K with?
by Brianmcg321
Fri Sep 04, 2020 7:20 pm
Forum: Investing - Theory, News & General
Topic: Why should I be investing in a down or downing market for retirement?
Replies: 37
Views: 3186

Re: Why should I be investing in a down or downing market for retirement?

buy low, sell high. Its pretty much the most basic principle of investing. It's a great principle but there's a teeny tiny problem with it: you don't know if you are buying high or low. That's why the strategy is to ignore volatility for 20-30 years and buy methodically (like every month or every q...
by Brianmcg321
Fri Sep 04, 2020 4:49 pm
Forum: Investing - Theory, News & General
Topic: Why should I be investing in a down or downing market for retirement?
Replies: 37
Views: 3186

Re: Why should I be investing in a down or downing market for retirement?

buy low, sell high. Its pretty much the most basic principle of investing.
by Brianmcg321
Fri Sep 04, 2020 8:57 am
Forum: Personal Consumer Issues
Topic: To Join a Gym or Not After 70? Type of Gym? Are Fitness Goals Achievable?
Replies: 70
Views: 4393

Re: To Join a Gym or Not After 70? Type of Gym? Are Fitness Goals Achievable?

If you live in a bigger city, try to find a Starting Strength gym.
by Brianmcg321
Fri Sep 04, 2020 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Bankrupt Brother Needs Mortgage Help
Replies: 46
Views: 3807

Re: Bankrupt Brother Needs Mortgage Help

Do not co-sign anything, ever for anyone.

He can rent a house.
by Brianmcg321
Fri Sep 04, 2020 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Do I need life insurance?
Replies: 20
Views: 834

Re: Do I need life insurance?

Term 80 is garbage. Don’t do it.

If and when you need insurance just get a regular 20 year term policy. Whole life is pure garbage.

You need to run away from this salesman as fast as possible. He’s trying to rob you. [OT comment removed by admin LadyGeek]
by Brianmcg321
Wed Sep 02, 2020 9:39 pm
Forum: Personal Investments
Topic: What is your game plan as market is reaching its previous all time high?
Replies: 174
Views: 19256

Re: What is your game plan as market is reaching its previous all time high?

SELL, SELL, SELL.........

LOL. No wait keep buying or don't.
by Brianmcg321
Wed Sep 02, 2020 9:33 pm
Forum: Personal Investments
Topic: Portfolio review: Currently feeling foolish for being a Boglehead. Help!
Replies: 53
Views: 5023

Re: Portfolio review: Currently feeling foolish for being a Boglehead. Help!

Frugalbear wrote: Wed Sep 02, 2020 8:28 pm
klondike wrote: Wed Sep 02, 2020 3:28 pm IMO, you have too much bonds for your age and income level.
Agreed! Not to mention in the wrong places, for instance in your Roth account.
Yes again.
by Brianmcg321
Wed Sep 02, 2020 8:51 pm
Forum: Personal Investments
Topic: When to stop 529 plan...
Replies: 11
Views: 1143

Re: When to stop 529 plan...

I would pause it if I was in your situation.

My daughter is 11 and we are going to stop funding hers this year. I’d rather max out my Roth IRAs and use that money if needed.
by Brianmcg321
Wed Sep 02, 2020 7:45 pm
Forum: Personal Investments
Topic: Portfolio review: Currently feeling foolish for being a Boglehead. Help!
Replies: 53
Views: 5023

Re: Portfolio review: Currently feeling foolish for being a Boglehead. Help!

IMO, you have too much bonds for your age and income level. I was going to say the same thing. OP, your income is so high I would consider that your "bond". You adding so much to your portfolio every year you don't need bonds until you are ready to retire. Put those bonds in QQQ and you won't have ...
by Brianmcg321
Wed Sep 02, 2020 2:25 pm
Forum: Personal Investments
Topic: From S&P Index to Total Market - What to do with Small Cap?
Replies: 5
Views: 567

Re: From S&P Index to Total Market - What to do with Small Cap?

I would just put everything onto the total index.
by Brianmcg321
Wed Sep 02, 2020 8:59 am
Forum: Personal Investments
Topic: 2 Fund portfolio Bond question
Replies: 15
Views: 875

Re: 2 Fund portfolio Bond question

Here’s a good thread on having the first 20% of bonds in long term treasuries. https://www.bogleheads.org/forum/viewtopic.php?t=287627 Having 20% of your portfolio in LTT would be a good move in my opinion. Your post confuses me. Are you recommending 20% of bonds or 20% of portfolio be in long term...
by Brianmcg321
Wed Sep 02, 2020 7:22 am
Forum: Personal Investments
Topic: 2 Fund portfolio Bond question
Replies: 15
Views: 875

Re: 2 Fund portfolio Bond question

Here’s a good thread on having the first 20% of bonds in long term treasuries. viewtopic.php?t=287627

Having 20% of your portfolio in LTT would be a good move in my opinion.
by Brianmcg321
Wed Sep 02, 2020 7:12 am
Forum: Personal Investments
Topic: 2 Fund portfolio Bond question
Replies: 15
Views: 875

Re: 2 Fund portfolio Bond question

For longer duration bonds I would look at the long term treasury funds or the long term bond index. The investment grade is all corporate bonds which can move with stock prices too much. By that I mean if there is a big correction, a lot of those bonds can go into default. Long term treasuries are g...
by Brianmcg321
Wed Sep 02, 2020 6:59 am
Forum: Personal Investments
Topic: Dropped my "financial adviser" and moved to Vanguard. What's next?
Replies: 41
Views: 4186

Re: Dropped my "financial adviser" and moved to Vanguard. What's next?

VTSAX and chill.

Read JL Collins blog. https://jlcollinsnh.com/stock-series/

Once you hit 7 figures then start adding some bonds.
by Brianmcg321
Wed Sep 02, 2020 6:55 am
Forum: Personal Investments
Topic: Husband doesn’t want to follow my investment plan
Replies: 47
Views: 4914

Re: Husband doesn’t want to follow my investment plan

Show him every month how much money you’ve lost by not having that money invested.
by Brianmcg321
Tue Sep 01, 2020 8:21 pm
Forum: Personal Investments
Topic: building a portfolio
Replies: 4
Views: 299

Re: building a portfolio

VITAX has an minimum initial investment of $100,000. You might want to look at the ETF version, VGT.
by Brianmcg321
Tue Sep 01, 2020 8:11 pm
Forum: Personal Investments
Topic: Lincoln Level Advantage Indexed Variable Annuity
Replies: 42
Views: 2152

Re: Lincoln Level Advantage Indexed Variable Annuity

No. Terrible product.

He’s lying to you when he says there are no fees.
by Brianmcg321
Tue Sep 01, 2020 11:59 am
Forum: Personal Consumer Issues
Topic: Cardio alternatives to treadmills?
Replies: 107
Views: 7467

Re: Cardio alternatives to treadmills?

I like recumbent exercise bikes. I use regular bikes outside.
by Brianmcg321
Tue Sep 01, 2020 11:26 am
Forum: Personal Investments
Topic: Vanguard 3 funds portfolio
Replies: 10
Views: 905

Re: Vanguard 3 funds portfolio

Yes it’s easy.
by Brianmcg321
Tue Sep 01, 2020 7:00 am
Forum: Personal Investments
Topic: Pre-fill kids' 529 now or hold off and keep the money more accessible?
Replies: 14
Views: 1241

Re: [Pre-fill kids' 529 now or hold off because college is deprioritized?]

Unless I missed it, I didn't see any discussion about college being de-prioritized. What led to that particular thought? Has your 5 year old already decided to skip college? My original title was edited for being unnecessarily "creative" (my fault, not the Admin's). The edited title isn't particula...
by Brianmcg321
Tue Sep 01, 2020 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Do dual income households need life insurance?
Replies: 40
Views: 3298

Re: Do dual income households need life insurance?

Yes, both of you still need insurance.

Term insurance is so cheap, there is no reason both of you shouldn’t have at least 10x your income.
by Brianmcg321
Mon Aug 31, 2020 1:56 pm
Forum: Personal Investments
Topic: Family member has one million in one stock , doesn't want to cash out
Replies: 261
Views: 28359

Re: My dad has 1 million in Tesla, I told him to cash out, he doesn't want too

It’s the diaper rule. It’s hard for someone to take the advice of someone they used to change their diapers. I never suggest to anyone on individual stocks. If you tell them to sell it doubles in value. You tell them to hold, they go Enron. When people ask I tell them what I do and what I’m comforta...