Search found 1348 matches

by Silence Dogood
Mon Feb 24, 2020 7:23 pm
Forum: Investing - Theory, News & General
Topic: Target funds by gender
Replies: 25
Views: 2000

Re: Target funds by gender

Ping Pong wrote:
Mon Feb 24, 2020 6:42 pm
I’ve always thought the target funds should be based on your birth year.
They are.
by Silence Dogood
Mon Feb 24, 2020 6:09 pm
Forum: Investing - Theory, News & General
Topic: Target funds by gender
Replies: 25
Views: 2000

Re: Target funds by gender

And while it may not be the absolute optimum choice, it probably will beat 95% of what those people would have done on their own through performance chasing, or reacting to daily market moves, or thinking the best thing is to split their 401k investments equally across all options, or defaulting to...
by Silence Dogood
Mon Feb 24, 2020 12:07 pm
Forum: Investing - Theory, News & General
Topic: Target funds by gender
Replies: 25
Views: 2000

Re: Target funds by gender

OP,

You are overthinking this.

There is no need for gendered Target Retirement funds.

"Simplicity is the master key to financial success." - Jack Bogle
by Silence Dogood
Tue Feb 18, 2020 7:25 pm
Forum: Investing - Theory, News & General
Topic: 4% SWR: It is not a rule and it is not safe (anymore).
Replies: 273
Views: 18833

Re: 4% SWR: It is not a rule and it is not safe (anymore).

What about the historic periods where real bond yields were zero or negative? Only short periods, far and few between. These yields are here to stay. Who knows? In December 2018 I bought a 14-month CD. My concern at the time was whether or not I would be locking myself into a low rate. Interest rat...
by Silence Dogood
Tue Feb 18, 2020 12:50 am
Forum: Investing - Theory, News & General
Topic: NY Times - "How Millennials Could Make the Fed’s Job Harder" FIRE mentioned 2/17/20
Replies: 64
Views: 6630

Re: NY Times - "How Millennials Could Make the Fed’s Job Harder" FIRE mentioned 2/17/20

It says 25% of millenials have saved more than $100K, but I can't believe that is true. Actually you left out a word -- the quote was 25% of millenial "savers" -- whatever the Bank of America survey means by that, but non-savers are already excluded. This is such an important point. According to th...
by Silence Dogood
Tue Feb 18, 2020 12:24 am
Forum: Investing - Theory, News & General
Topic: NY Times - "How Millennials Could Make the Fed’s Job Harder" FIRE mentioned 2/17/20
Replies: 64
Views: 6630

Re: NY Times - "How Millennials Could Make the Fed’s Job Harder" FIRE mentioned 2/17/20

lostdog wrote:
Mon Feb 17, 2020 7:57 pm
The FIRE movement is so small and won't even put a dent in the economy. Out of touch article.
I agree.

Anecdotal, of course, but I'm a "millennial" and the "FIRE" movement is just not a topic of discussion.

What I do hear my peers discussing is their student loan debt.
by Silence Dogood
Tue Feb 11, 2020 1:06 pm
Forum: Investing - Theory, News & General
Topic: How much will Target date vs 3 fund make a difference in the long run?
Replies: 119
Views: 7601

Re: How much will Target date vs 3 fund make a difference in the long run?

chocoyogurt wrote:
Mon Feb 10, 2020 2:32 am
H-Town wrote:
Sat Feb 08, 2020 12:52 pm
1) Live below your means
2) Invest in total market index funds and
3) Stay the course.
Does total market index fund count as TRF?
The Vanguard Target Retirement funds invest in total market index funds.
by Silence Dogood
Tue Feb 11, 2020 12:56 pm
Forum: Investing - Theory, News & General
Topic: Does International investment still make sense?
Replies: 312
Views: 15775

Re: Does International investment still make sense?

I found 5 threads on this topic in this forum in this year alone. You could look through those. The odds that something new will pop up in this thread are not high. Could you imagine if all the international debate threads on the forum were merged together? That would be the largest thread on the f...
by Silence Dogood
Sat Feb 08, 2020 12:31 pm
Forum: Investing - Theory, News & General
Topic: How much will Target date vs 3 fund make a difference in the long run?
Replies: 119
Views: 7601

Re: How much will Target date vs 3 fund make a difference in the long run?

Why am I alone, on this thread by a young 22 years old investor , to claim that they shouldn't deprive themself (by oversaving) of enjoying part of their money when still young? Such a young investor should save reasonably, but no more. There's more to life than to look at a huge amount on a financ...
by Silence Dogood
Sat Feb 08, 2020 12:21 pm
Forum: Investing - Theory, News & General
Topic: How much will Target date vs 3 fund make a difference in the long run?
Replies: 119
Views: 7601

Re: How much will Target date vs 3 fund make a difference in the long run?

I do not need to care about the expected return. I save 1 year of expense every year. I can reach my goal with a 0% or a slightly negative real return. Yes, the 'brute force' of a high saving rate can overcome poor returns. Yes, and savings rate is the one thing that investors have direct control o...
by Silence Dogood
Sat Feb 08, 2020 9:44 am
Forum: Personal Investments
Topic: Ally 13 month CD 2.10% (offer good through 3/31/20)
Replies: 22
Views: 3600

Re: Ally 13 month CD 2.10% (offer good through 3/31/20)

I have a few 2.9% (2.85% + 0.05% "loyalty bonus") 14-month CDs maturing on February 28th.

I'm trying to decide between this 13-month CD at 2.15%* and the 11-month no-penalty CD at 1.95%**.

*Including "loyalty bonus"
**Including "loyalty bonus", $25K minimum
by Silence Dogood
Sat Feb 08, 2020 8:47 am
Forum: Personal Investments
Topic: 25yo switching from target dates to self-managed
Replies: 30
Views: 2421

Re: 25yo switching from target dates to self-managed

luhome wrote:
Fri Feb 07, 2020 1:09 am
I am currently in 2060 target date funds and would like to start managing my money myself to reduced fees.
OP,

Just keep in mind that you are likely to underperform the Target Retirement fund.
by Silence Dogood
Thu Feb 06, 2020 5:47 pm
Forum: Investing - Theory, News & General
Topic: How much will Target date vs 3 fund make a difference in the long run?
Replies: 119
Views: 7601

Re: How much will Target date vs 3 fund make a difference in the long run?

Both approaches are fine, as long as you can stay the course. The most important thing at your age is your savings rate. This is exactly right. Savings rate is more important than asset allocation. I'm a new investor and generally curious. Everyone says to not do target-date fund because at my age ...
by Silence Dogood
Tue Feb 04, 2020 6:10 pm
Forum: Investing - Theory, News & General
Topic: Does Schwab's growth threaten Vanguard's domination (article)
Replies: 100
Views: 5472

Re: Allan Roth: Schwab is now a huge threat to Vanguard

Here is the reason I'm considering opening a Schwab account (again) after being with Vanguard since 1988: Local offices which could be very important to my heirs when I go. Are you sure that those local offices will still be around by the time you die? The brokerage industry is extremely cost-compe...
by Silence Dogood
Mon Feb 03, 2020 1:07 am
Forum: Personal Consumer Issues
Topic: Examples of Low Tech Improving Your Life
Replies: 207
Views: 17486

Re: Examples of Low Tech Improving Your Life

Maybe 'Yesteryear' Tech is a better term than 'Low Tech' but for a while I've decided to take a step back from many 'high tech' gizmos and gadgets and decided to stick with their low tech alternatives and some of them worked out very well. Here is a list. ......... So I'm curious - what other examp...
by Silence Dogood
Sat Feb 01, 2020 10:09 am
Forum: Personal Investments
Topic: 21 Male - Looking for investing tips
Replies: 37
Views: 2341

Re: 21 Male - Looking for investing tips

op if you have the stomach for volatility and interested in Tech, I recommend you look into this and don't have more than 10% of your entire asset allocation to Vanguard Information Technology or VGT see thread on this I'm up 36K https://www.bogleheads.org/forum/viewtopic.php?f=1&t=280668 The VTSAX...
by Silence Dogood
Sat Feb 01, 2020 1:19 am
Forum: Investing - Theory, News & General
Topic: VG Monthly Statements Are HORRIBLE!
Replies: 97
Views: 8472

Re: VG Monthly Statements Are HORRIBLE!

I questioned needing any account statements any longer I download and save each of my statements. Last year I got five statements from Vanguard. These statements take up an insignificant amount of space on my hard drive and downloading/saving them is an extremely low-effort task. If I had more (phy...
by Silence Dogood
Fri Jan 31, 2020 7:09 pm
Forum: Personal Investments
Topic: 21 Male - Looking for investing tips
Replies: 37
Views: 2341

Re: 21 Male - Looking for investing tips

1789 wrote:
Thu Jan 30, 2020 9:03 pm
Silence Dogood wrote:
Thu Jan 30, 2020 6:29 pm
1789 wrote:
Thu Jan 30, 2020 3:12 pm
You need to be super aggressive at your age. VTWAX is a great fund but it will not give you enough aggressiveness :P
Why does he need to be super aggressive?
Because of his age 21?
A Vanguard Target Retirement fund would have him at 90/10.

Isn't that aggressive enough?
by Silence Dogood
Thu Jan 30, 2020 6:53 pm
Forum: Personal Investments
Topic: 32-year-old female, portfolio help
Replies: 25
Views: 3593

Re: 32-year-old female, portfolio help

I agree with both Watty and Wiggums regarding company stock.

Too risky, in my opinion.
by Silence Dogood
Thu Jan 30, 2020 6:29 pm
Forum: Personal Investments
Topic: 21 Male - Looking for investing tips
Replies: 37
Views: 2341

Re: 21 Male - Looking for investing tips

1789 wrote:
Thu Jan 30, 2020 3:12 pm
You need to be super aggressive at your age. VTWAX is a great fund but it will not give you enough aggressiveness :P
Why does he need to be super aggressive?
by Silence Dogood
Wed Jan 29, 2020 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Bird Leaving The Nest
Replies: 35
Views: 4717

Re: Bird Leaving The Nest

was looking at Vanguard Target funds for Roth IRA A Vanguard Target Retirement fund is an excellent choice. Interesting fact: the average target retirement fund investor tends to outperform the average do-it-yourself index fund investor. " Simplicity is the master key to financial success." - Jack ...
by Silence Dogood
Wed Jan 29, 2020 5:32 pm
Forum: Investing - Theory, News & General
Topic: "3 Tips For Streamlining Your Portfolio"
Replies: 4
Views: 635

Re: "3 Tips For Streamlining Your Portfolio"

I wonder if no-commissions will lead to more complicated portfolios.
by Silence Dogood
Wed Jan 29, 2020 5:28 pm
Forum: Personal Investments
Topic: 21 Male - Looking for investing tips
Replies: 37
Views: 2341

Re: 21 Male - Looking for investing tips

OP,

VTSAX is a great fund but it does not include any bonds.

You may want to consider a Vanguard Target Retirement fund.

The Vanguard Target Retirement funds include both stocks and bonds - both domestic and international.

Ultimately, your savings rate will matter more than anything else.
by Silence Dogood
Wed Jan 29, 2020 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter's Boston Job Offer
Replies: 115
Views: 9613

Re: Daughter's Boston Job Offer

My daughter majored in mechanical and biomedical engineering in college, graduating in May. She recently got a job offer for 68k in the Boston metro area. We are not familiar with the area but know that the cost of living is expensive. Is this salary reasonable for a new grad? Thanks What does your...
by Silence Dogood
Tue Jan 28, 2020 10:03 pm
Forum: Investing - Theory, News & General
Topic: Gold vs TIPS vs Inflation
Replies: 35
Views: 2282

Re: Gold vs TIPS vs Inflation

oldzey wrote:
Sun Jan 26, 2020 3:18 pm

Whenever I'm tempted to buy gold, I revisit this chart to remind myself why I should simply use stocks and bonds for investing.
The decision to avoid speculating on the price of gold should be made without regard to past returns.

Stocks and bonds are fundamentally different from gold.
by Silence Dogood
Mon Jan 27, 2020 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Don't Get Escheated! (Planet Money on Escheatment)
Replies: 36
Views: 4573

Re: Don't Get Escheated! (Planet Money on Escheatment)

willthrill81 wrote:
Mon Jan 27, 2020 9:47 pm
Personally, I think that the advice to not check your accounts regularly is a big mistake.
How often is regularly?

I check at least once a quarter.
by Silence Dogood
Mon Jan 27, 2020 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Don't Get Escheated! (Planet Money on Escheatment)
Replies: 36
Views: 4573

Re: Don't Get Escheated! (Planet Money on Escheatment)

Thanks for posting, OP.

I just listened to this earlier today.

Here is the link to search for unclaimed property: National Association of Unclaimed Property Administrators
by Silence Dogood
Mon Jan 27, 2020 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 433
Views: 93851

Re: What age did you reach 100K networth?

$400K by age 30, with a 3.87% real CAGR, would amount to $1.25 million (2020 dollars) by age 60. With a 4% withdrawal rate starting at age 60, that would be $50K (2020 dollars) a year to live on. This calculation ignores taxes, future contributions, and future Social Security income. Correct. What'...
by Silence Dogood
Sun Jan 26, 2020 10:19 am
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 433
Views: 93851

Re: What age did you reach 100K networth?

2018, at the age of 28. Have $380k now as a 30 year old and hope to break into $400k at the end of January after bonuses. Was very very hard to finally get all of this though and for me, personally, the high income is unsustainable given the cost of the sacrifices made. Still I am happy that I feel...
by Silence Dogood
Fri Jan 24, 2020 5:50 pm
Forum: Personal Investments
Topic: 21 yr old's first Roth
Replies: 14
Views: 1072

Re: 21 yr old's first Roth

I agree with the previous response. Another vote for Fidelity Total Stock Market Index fund (FSKAX) Is there any reason you would choose FSKAX over FZROX? I am not Wiggums, but I would choose FSKAX over FZROX because the former pursues the Dow Jones Total Stock Market Index benchmark, as do the Tot...
by Silence Dogood
Fri Jan 24, 2020 4:17 pm
Forum: US Chapters
Topic: Happy Birthday Taylor! 96 years young!
Replies: 139
Views: 4020

Re: Happy Birthday Taylor! 96 years young!

Happy 96th birthday, Taylor!

Stay the course!
by Silence Dogood
Fri Jan 24, 2020 12:41 pm
Forum: Personal Investments
Topic: 21 yr old's first Roth
Replies: 14
Views: 1072

Re: 21 yr old's first Roth

Wiggums wrote:
Fri Jan 24, 2020 10:16 am
I agree with the previous response.

Another vote for Fidelity Total Stock Market Index fund (FSKAX)
Is there any reason you would choose FSKAX over FZROX?
by Silence Dogood
Thu Jan 23, 2020 12:17 pm
Forum: Personal Consumer Issues
Topic: Use checking acct # or debit card # for google pay and paypal?
Replies: 6
Views: 667

Re: Use checking acct # or debit card # for google pay and paypal?

In case of fraud, it's easier to replace a card than a checking account.
by Silence Dogood
Wed Jan 22, 2020 7:50 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 26552

Re: Sad news: LadyGeek's husband has passed

I am so sorry to hear this, LadyGeek.
by Silence Dogood
Wed Jan 22, 2020 9:55 am
Forum: Personal Consumer Issues
Topic: Different View On Money After Cancer Scare?
Replies: 13
Views: 2214

Re: Different View On Money After Cancer Scare?

OP, I'm glad that you'll be okay. Last May I posted this : I'm guessing the market has gone down lately? I don't bother checking, but I can always get a good idea based on the most recent threads (for example, "100% stocks" threads when the market is doing really well). Anyway, which is the greater ...
by Silence Dogood
Tue Jan 21, 2020 6:37 pm
Forum: Personal Investments
Topic: Why are vanguard TDF so aggressive?
Replies: 54
Views: 4383

Re: Why are vanguard TDF so aggressive?

Oh! Such helpful links, sorry I should have probably searched those! Looks like all the answers are already there! Boy! I feel like have done PhD on TDF in 1 day :sharebeer Notice that in the first thread I linked to, one poster claims that Target Retirement funds are trash for being too aggressive...
by Silence Dogood
Tue Jan 21, 2020 5:34 pm
Forum: Personal Investments
Topic: Is a vanguard target date enough?
Replies: 37
Views: 3673

Re: Is a vanguard target date enough?

Bama12 wrote:
Sun Jan 19, 2020 10:43 pm
I'm not sure why anyone would buy a target date fund? You can just buy the funds in the target date cheaper.
One reason would be that Target Retirement fund investors outperform DIY investors.
by Silence Dogood
Tue Jan 21, 2020 5:29 pm
Forum: Personal Investments
Topic: Why are vanguard TDF so aggressive?
Replies: 54
Views: 4383

Re: Why are vanguard TDF so aggressive?

OP, You may be interested in these two recent threads on this subject: Why lack of bonds in Target Date Funds? Why are Vanguard Target Retirement dates tilted toward equities? ----- I think that it's important to keep in mind that there is no "correct" asset allocation. Or, rather, the correct mix o...
by Silence Dogood
Fri Jan 17, 2020 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Life advice for recent graduate
Replies: 67
Views: 5023

Re: Life advice for recent graduate

OP,

I recommend reading this post:

If I Knew Then What I Know Now
by Silence Dogood
Fri Jan 17, 2020 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Higher levels of security
Replies: 23
Views: 2478

Re: Higher levels of security

Most of my money is at Vanguard, but I also have accounts at Schwab, Fidelity and Ally. What do you do to get higher levels of security at any of these institutions? I posted this recently in another thread, but it applies here as well: My Vanguard account is set up so that I can only log on from a...
by Silence Dogood
Fri Jan 17, 2020 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Higher levels of security
Replies: 23
Views: 2478

Re: Higher levels of security

I use a Firefox add-on called Cookie AutoDelete.

This add-on automatically deletes the cookies of websites I visit, except for those that I have white-listed.
by Silence Dogood
Fri Jan 17, 2020 5:06 pm
Forum: Investing - Theory, News & General
Topic: Domestic v. International Megathread
Replies: 64
Views: 4204

Re: Domestic v. International Megathread

Stef wrote:
Fri Dec 13, 2019 2:47 am
I wonder what the approach would be here if US would make up 25% instead of 55% of the total market cap (still being the biggest one).

It seems like it's mainly the pure size that leads to underweighting international stocks.
I don't think that home country bias is unique to U.S. investors.
by Silence Dogood
Thu Jan 16, 2020 5:21 pm
Forum: Investing - Theory, News & General
Topic: IN MEMORY OF JOHN C. BOGLE
Replies: 29
Views: 3033

Re: IN MEMORY OF JOHN C. BOGLE

Thank you for this post, Taylor.

Maybe we should create a Bogleheads book club (one book per month)!
by Silence Dogood
Thu Jan 16, 2020 12:48 am
Forum: Personal Investments
Topic: Who’s Buying Bitcoin?
Replies: 307
Views: 18096

Re: Who’s Buying Bitcoin?

OP,

Beanie babies have no internal rate of return.

I wouldn't waste any money on it.
by Silence Dogood
Wed Jan 15, 2020 10:29 pm
Forum: Personal Consumer Issues
Topic: Vanguard Statements - Print or Electronic
Replies: 70
Views: 4770

Re: Vanguard Statements - Print or Electronic

I download and save to my (encrypted) hard drive/backup hard drive.

I think that people underestimate the risk of cyber attacks.
by Silence Dogood
Wed Jan 15, 2020 5:44 pm
Forum: Investing - Theory, News & General
Topic: "Cybercrooks are targeting retirement accounts — and unlike credit cardsthere's no guarantee you'll get your money back"
Replies: 51
Views: 5885

Re: "Cybercrooks are targeting retirement accounts — and unlike credit cardsthere's no guarantee you'll get your money b

My Vanguard account is set up so that I can only log on from a recognized device (only my home computer is recognized). My account is set up so that two-factor authentication is required each time I log on (regardless of the fact that my computer is already recognized). I use a unique, complex, rand...
by Silence Dogood
Mon Jan 13, 2020 8:55 pm
Forum: Investing - Theory, News & General
Topic: Minimum investment to buy mutual funds
Replies: 38
Views: 1992

Re: Minimum investment to buy mutual funds

You essentially did. Your question was (paraphrasing), "How could Vanguard afford to get rid of the higher-cost investor-class shares?" The simple answer is: AUM increased. Vanguard can lower the expense ratios of their funds either by reducing the costs of running their business (unlikely to resul...
by Silence Dogood
Mon Jan 13, 2020 8:21 pm
Forum: Investing - Theory, News & General
Topic: Minimum investment to buy mutual funds
Replies: 38
Views: 1992

Re: Minimum investment to buy mutual funds

They should go to Fidelity or Schwab. Excellent idea. Keeps costs lower at Vanguard. Done. :sharebeer Costs for apples to apples products are lower at Fidelity/Schwab though. Not by a lot, but are still lower. They should go to Fidelity or Schwab. Excellent idea. Keeps costs lower at Vanguard. Done...
by Silence Dogood
Mon Jan 13, 2020 7:49 pm
Forum: Investing - Theory, News & General
Topic: Minimum investment to buy mutual funds
Replies: 38
Views: 1992

Re: Minimum investment to buy mutual funds

EDIT: One more thing, keep in mind that Vanguard dropped the Investor Class shares that were like 9 or 15 bps. I honestly do not remember so don't roast me. But, you definitely would remember when it was Admiral and Investor classes and then one-day.... no more investor class and account minimums d...