Search found 7200 matches

by Triple digit golfer
Tue Apr 13, 2021 9:02 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14376
Views: 1108291

Re: U.S. stocks continue to soar!

NASDAQ and my favorite fruit company are doing some right proper soaring this morning. :sharebeer :moneybag You guys with VOO and SPY -- not so much. :( VOO is up 0.11%. That's an annualized return of around 27%! Edit: And if we assume 0.11% per half hour of trading, that's about an annualized retu...
by Triple digit golfer
Tue Apr 13, 2021 8:05 am
Forum: Personal Investments
Topic: How should I split up my bi-weekly contributions to my IRA?
Replies: 3
Views: 322

Re: How should I split up my bi-weekly contributions to my IRA?

What you are proposing is fewer bonds and more stocks, adding stocks that comprise only a very small percentage of the market. I would not do this. Target date funds are all in one, set it and forget it funds. They are diversified investment portfolios specifically designed NOT to be messed with or ...
by Triple digit golfer
Tue Apr 13, 2021 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Any happy lawyers out there?
Replies: 84
Views: 6606

Re: Any happy lawyers out there?

If you're fascinated with law but don't want to be a lawyer, you're not going to be fulfilled by going to law school and becoming a lawyer. Why not read books on law, watch documentaries, join an internet forum, etc.? You have free time now because you're a teacher and not a lawyer. Use that free ti...
by Triple digit golfer
Mon Apr 12, 2021 1:07 pm
Forum: Investing - Theory, News & General
Topic: International is in meltdown
Replies: 391
Views: 32836

Re: International is in meltdown

I am curious about why international. I still don't like it unless there is a specific reason to invest in it--like I think I will go into emerging markets if the dollar is showing weakness. But just always adding international doesn't make a lot of sense to me; is it just diversification only for ...
by Triple digit golfer
Sun Apr 11, 2021 6:23 pm
Forum: Personal Investments
Topic: Mortgage Payoff vs Taxable Account - What else should I consider?
Replies: 40
Views: 2826

Re: Mortgage Payoff vs Taxable Account - What else should I consider?

I would absolutely not count on equity markets returning anything over such a short time period. If you said 20 years I'd say investing is probably the right thing from purely a financial perspective. An important point that shouldn't be glossed over is your comment about not buying a boat or RV. If...
by Triple digit golfer
Sun Apr 11, 2021 6:05 pm
Forum: Personal Investments
Topic: Simplicity over Small Cap Value
Replies: 85
Views: 5806

Re: Simplicity over Small Cap Value

I could, but I'd be wrong. A total market index fund is neutral. By definition, it holds companies in their market weights. If it is a preference not to do that, so be it. But a total market index fund does not over or under weight any size, style, or sector. Thank you for sharing your point of vie...
by Triple digit golfer
Sat Apr 10, 2021 10:00 am
Forum: Personal Investments
Topic: VWAHX
Replies: 7
Views: 623

Re: VWAHX

I prefer my bonds be investment grade or government bonds. Therefore, I would not use this fund. Just my prerogative, though. I prefer my bonds have a certain level of safety, albeit arbitrary, and this fund doesn't meet that arbitrary level.
by Triple digit golfer
Sat Apr 10, 2021 9:56 am
Forum: Investing - Theory, News & General
Topic: Rebalance frequency
Replies: 39
Views: 2808

Re: Rebalance frequency

Hey Arctic and livesoft! I have a really dumb question. I add new $ every month into my taxable and 401k. I've only been buying bonds the last few months in both. Does this mean I am rebalancing too often? I'm 80/20 stocks/bonds but my bond % is down to 18.5% due to intense upward move stocks have ...
by Triple digit golfer
Sat Apr 10, 2021 9:05 am
Forum: Investing - Theory, News & General
Topic: Rebalance frequency
Replies: 39
Views: 2808

Re: Rebalance frequency

Hey Arctic and livesoft! I have a really dumb question. I add new $ every month into my taxable and 401k. I've only been buying bonds the last few months in both. Does this mean I am rebalancing too often? I'm 80/20 stocks/bonds but my bond % is down to 18.5% due to intense upward move stocks have ...
by Triple digit golfer
Sat Apr 10, 2021 8:09 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14376
Views: 1108291

Re: U.S. stocks continue to soar!

lostdog wrote: Sat Apr 10, 2021 7:54 am
anoop wrote: Sat Apr 10, 2021 1:08 am overheard produce guys at the grocery store talking tesla stock price.
top
Yep, cashing out now!
by Triple digit golfer
Sat Apr 10, 2021 5:38 am
Forum: Personal Investments
Topic: AA - Too conservative?
Replies: 27
Views: 2675

Re: AA - Too conservative?

I'd stick with 70/30 for several reasons: Presumably you had a reason for 70/30. You are questioning your AA at a market high. If there's a 30% drop and you still think you should hold a higher equity percentage, do it then. You don't need to take a lot of risk. Crunch some numbers and you'll see.
by Triple digit golfer
Sat Apr 10, 2021 5:11 am
Forum: Investing - Theory, News & General
Topic: Rebalance frequency
Replies: 39
Views: 2808

Re: Rebalance frequency

Hey Arctic and livesoft! I have a really dumb question. I add new $ every month into my taxable and 401k. I've only been buying bonds the last few months in both. Does this mean I am rebalancing too often? I'm 80/20 stocks/bonds but my bond % is down to 18.5% due to intense upward move stocks have ...
by Triple digit golfer
Fri Apr 09, 2021 9:52 pm
Forum: Personal Investments
Topic: Mixing Bogle and Ramsey to build my portfolio
Replies: 90
Views: 7742

Re: Mixing Bogle and Ramsey to build my portfolio

I do not think the investment philosophies of Jack Bogle and Dave Ramsey are compatable at all. One is about low cost, simplicity and passive index investing (Bogle), and one is about performance chasing, and active management with high expense ratios and front end loads and kickbacks (Ramsey). Bin...
by Triple digit golfer
Fri Apr 09, 2021 8:14 pm
Forum: Personal Investments
Topic: Mixing Bogle and Ramsey to build my portfolio
Replies: 90
Views: 7742

Re: Mixing Bogle and Ramsey to build my portfolio

The portfolio is fine. That is not a Ramsey portfolio at all. Ramsey has you chasing performance. Ignore his investing advice. I'm not a fan of Ramsey's investing advice, but he does not have you chasing performance. His investment advice is pretty straight forward and consistent and not sure where...
by Triple digit golfer
Fri Apr 09, 2021 8:12 pm
Forum: Personal Investments
Topic: Simplicity over Small Cap Value
Replies: 85
Views: 5806

Re: Simplicity over Small Cap Value

I struggle with understanding what's so "complex" about a few extra tilts or slice 'n dices of low cost funds for such a capable bunch as found here on Bogleheads. Or what's so "hard" about something so "complex" as 5-10 funds vs 3 funds. I mean this place is full of P...
by Triple digit golfer
Fri Apr 09, 2021 6:53 pm
Forum: Personal Investments
Topic: Mixing Bogle and Ramsey to build my portfolio
Replies: 90
Views: 7742

Re: Mixing Bogle and Ramsey to build my portfolio

The portfolio is fine. That is not a Ramsey portfolio at all. Ramsey has you chasing performance. Ignore his investing advice. I'm not a fan of Ramsey's investing advice, but he does not have you chasing performance. His investment advice is pretty straight forward and consistent and not sure where...
by Triple digit golfer
Fri Apr 09, 2021 1:11 pm
Forum: Personal Investments
Topic: Mixing Bogle and Ramsey to build my portfolio
Replies: 90
Views: 7742

Re: Mixing Bogle and Ramsey to build my portfolio

The portfolio is fine. That is not a Ramsey portfolio at all. Ramsey has you chasing performance. Ignore his investing advice.
by Triple digit golfer
Fri Apr 09, 2021 1:09 pm
Forum: Investing - Theory, News & General
Topic: CNBC headline - does it serve as a contrarian indicator
Replies: 7
Views: 1481

Re: CNBC headline - does it serve as a contrarian indicator

If it turns out in hindsight to be a contrarian indicator, it is pure coincidence.

I always assume that "news" like that has no bearing on what will happen and is no better than a coin flip.
by Triple digit golfer
Fri Apr 09, 2021 10:09 am
Forum: Personal Investments
Topic: How to lose the desire of outperforming the market?
Replies: 112
Views: 7003

Re: How to lose the desire of outperforming the market?

I, stupidly, did a stock picking to outperform market but ended up losing money. Reaized that I suck at stock picking and decided to stick with s&p. Most of us did the exact same thing. Thanks to this forum, I did not. I have never invested a dime in an individual stock or actively managed fund...
by Triple digit golfer
Fri Apr 09, 2021 3:00 am
Forum: Personal Finance (Not Investing)
Topic: 401k highly compensated employee issue
Replies: 4
Views: 770

Re: 401k highly compensated employee issue

Nothing you can do for this refund now. This will be a 2021 tax event if the refund occurred a month ago. You should get a 1099-R after the end of the year.

I have the same issue every year. Our plan is not a safe harbor plan because the match isn't high enough, from what I understand.
by Triple digit golfer
Thu Apr 08, 2021 2:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14376
Views: 1108291

Re: U.S. stocks continue to soar!

Perma-Bull Jeremy Siegel- 30% up before a pull back. https://www.cnbc.com/2021/04/08/jeremy-siegel-says-stock-market-could-go-up-30percent-before-boom-ends.html We haven't seen Forester predictions lately. No need. We all know there's no way SP500 breaks through 4100! :mrgreen: Soooo close! :o Look...
by Triple digit golfer
Thu Apr 08, 2021 8:20 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3212
Views: 1990923

Re: The Three-Fund Portfolio

Just came across a little bit of unexpected cashflow ($XX,XXX). I want to buy VTWAX in taxable with it (as part of my overall allocation). Reasons: - I know I won't touch it. If I buy VT, I might do something like sell covered calls, etc. due to current valuations. - I love the idea of not having t...
by Triple digit golfer
Wed Apr 07, 2021 8:54 pm
Forum: Personal Investments
Topic: Simplicity over Small Cap Value
Replies: 85
Views: 5806

Re: Simplicity over Small Cap Value

timboktoo wrote: Wed Apr 07, 2021 8:31 pmEventually, I stopped asking myself what the best portfolio was. Instead, I asked myself what portfolio I'd be most likely to be able to Stay The Course with. I decided on a simple three fund portfolio. I'm glad I did. I barely think about it anymore.
Bingo!
by Triple digit golfer
Wed Apr 07, 2021 8:30 pm
Forum: Personal Investments
Topic: Simplicity over Small Cap Value
Replies: 85
Views: 5806

Re: Simplicity over Small Cap Value

I struggle with understanding what's so "complex" about a few extra tilts or slice 'n dices of low cost funds for such a capable bunch as found here on Bogleheads. Or what's so "hard" about something so "complex" as 5-10 funds vs 3 funds. I mean this place is full of P...
by Triple digit golfer
Wed Apr 07, 2021 7:37 pm
Forum: Personal Investments
Topic: Family with 4 little humans: chances of retiring/financial independence
Replies: 70
Views: 7056

Re: Family with 4 little humans: chances of retiring/financial independence

You're saving about 28% of gross. Don't worry about it. Just keep saving. Good things will happen with that savings rate.
by Triple digit golfer
Wed Apr 07, 2021 7:31 pm
Forum: Personal Investments
Topic: Simplicity over Small Cap Value
Replies: 85
Views: 5806

Re: Simplicity over Small Cap Value

Simplicity. And don't mistake that for "inferior."
by Triple digit golfer
Wed Apr 07, 2021 10:30 am
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 254
Views: 18057

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

I've always loosely figured that you divide the new cost by 200,000 miles (assumed life of car), and that is the cost per mile new. So a $25,000 new car will cost $0.125 per mile, so if I can get a used car with 150,000 miles for less than $6,250, it is equivalent before factoring in maintenance, wh...
by Triple digit golfer
Wed Apr 07, 2021 9:59 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14376
Views: 1108291

Re: U.S. stocks continue to soar!

I have a confession to make: I panicked yesterday because of these all time highs. Liquidated my entire 401k, including my “fun money” positions, and put it all back into Wellesley, which is where it all was until about 9 months ago. Now I don’t need to watch it gyrate. Seems like you came out ahea...
by Triple digit golfer
Tue Apr 06, 2021 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Staying at a company after giving notice? (counter-offer)
Replies: 58
Views: 5816

Re: Staying at a company after giving notice? (counter-offer)

This is so very company and leader specific. For some companies and leaders, even considering leaving Megacorp is a unimaginable betrayal. Accepting the counteroffer is just buying time for them to train your replacement and replace you. For other companies, it’s “touché and congratulations” and “I...
by Triple digit golfer
Tue Apr 06, 2021 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Staying at a company after giving notice? (counter-offer)
Replies: 58
Views: 5816

Re: Staying at a company after giving notice? (counter-offer)

You have to have a good grasp on how valuable you are and how much they like you and how this will impact you long term. You received two offers, so clearly you're employable. If you make it clear you're now happy with promotion and pay increase, I doubt they'll try to backfill, given that it'sa pai...
by Triple digit golfer
Tue Apr 06, 2021 6:34 pm
Forum: Personal Investments
Topic: Anxiety/Overthinking
Replies: 35
Views: 2719

Re: Anxiety/Overthinking

If you have anxiety and worry a lot, then you are, in my opinion, an absolutely perfect candidate for either a target retirement fund or Vanguard Total World (VT or VTWAX). No rebalancing needed, no thinking, no worrying if you are lagging the market. You simply own significantly all the publicly tr...
by Triple digit golfer
Tue Apr 06, 2021 1:58 pm
Forum: Investing - Theory, News & General
Topic: The Emotional Side of Investing
Replies: 28
Views: 2608

Re: The Emotional Side of Investing

Bad decision: Feels awful.

Good decision: Feels like I did was I was supposed to do.

The bad feels 10x badder than the good feels good.
by Triple digit golfer
Tue Apr 06, 2021 1:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14376
Views: 1108291

Re: U.S. stocks continue to soar!

watchnerd wrote: Tue Apr 06, 2021 1:37 pm
Triple digit golfer wrote: Tue Apr 06, 2021 1:34 pm
I'm just talking about the literal S&P 500 price index, not any specific funds. If that hits 8000, it's 7.8% a year, but that number excludes dividends.
That's more of a stretch, then.
Wow, only 4.7% nominal, so they're predicting real returns at 3% or less over a decade. Yikes.
by Triple digit golfer
Tue Apr 06, 2021 1:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14376
Views: 1108291

Re: U.S. stocks continue to soar!

Add dividends and it's probably more like a total return of 9.5% nominal and 7% real. I would be very happy to get those returns over the next decade. Tops down to hit a completely arbitrary SP 8000 goal, it would include dividends already, at least if we're counting the funds people actually inves...
by Triple digit golfer
Tue Apr 06, 2021 12:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14376
Views: 1108291

Re: U.S. stocks continue to soar!

Post this here for my own record. About to turn 46. Will quit work at 55 or S&P 8000 (copying Homerj a little), whichever is first. :happy 10YR breakeven inflation is 2.36%, which gets you to S&P 5000 in 9 years alone. 8000 in 9 years is 7.8%, nominal, CAGR. Backing out inflation that gets ...
by Triple digit golfer
Tue Apr 06, 2021 12:52 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3212
Views: 1990923

Re: The Three-Fund Portfolio

Just came across a little bit of unexpected cashflow ($XX,XXX). I want to buy VTWAX in taxable with it (as part of my overall allocation). Reasons: - I know I won't touch it. If I buy VT, I might do something like sell covered calls, etc. due to current valuations. - I love the idea of not having t...
by Triple digit golfer
Tue Apr 06, 2021 11:30 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14376
Views: 1108291

Re: U.S. stocks continue to soar!

We’re almost half way to 4100. Just 14 points to go. We have to work harder on encouraging those with "cash on the sidelines" to invest in the market. Someone should create a post like, "Today is a good day to invest in the US market, and here is why." Here's a reason, the S&...
by Triple digit golfer
Mon Apr 05, 2021 9:17 pm
Forum: Investing - Theory, News & General
Topic: International is in meltdown
Replies: 391
Views: 32836

Re: International is in meltdown

It's been a year since this thread and International still lags, and lags badly... where is the imminent outperformance that this asset class was supposedly going to deliver? That is what all the experts were saying... but I am still waiting just like a lot of folks. Since Jan 2018, VTIAX has had a...
by Triple digit golfer
Mon Apr 05, 2021 5:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14376
Views: 1108291

Re: U.S. stocks continue to soar!

Marseille07 wrote: Mon Apr 05, 2021 5:11 pm It's really crazy we just made 4000 on Thursday and already looking at 4100.
Pshhh, 100 points isn't what it used to be. Inflation and all. We shoot for 1000 point jumps now!
by Triple digit golfer
Sun Apr 04, 2021 4:59 pm
Forum: Personal Investments
Topic: Suitable substitute for VOO
Replies: 27
Views: 1590

Re: Suitable substitute for VOO

Another option is to use VOO and just invest when you have the money. If that's every couple months, so be it.
by Triple digit golfer
Sun Apr 04, 2021 4:47 pm
Forum: Personal Investments
Topic: New Investor with Portfolio Questions - American Funds 401(k) & Roth vs. Traditional
Replies: 11
Views: 772

Re: New Investor with Portfolio Questions - American Funds 401(k) & Roth vs. Traditional

Your expense ratios suck but your employer kicks in a sweet 7% so that makes it much easier to stomach. In your situation, my order if priority would be: Free 7% (no contribution needed) Roth IRA max 401k contributions Roll your old 401k into a rollover (traditional) IRA at Vanguard or wherever you'...
by Triple digit golfer
Sun Apr 04, 2021 10:37 am
Forum: Investing - Theory, News & General
Topic: Risk Less Make More - Jonathan Clements
Replies: 34
Views: 3776

Re: Risk Less Make More - Jonathan Clements

Too much CNBC... Nah, I've never watched it. Don't even have cable anymore. CNBC is free on youtube... And you know that because you watch it? Guilty!!! In all seriousness, it's Peppa Pig and Disney movies around here. After about 8 pm is when I peruse Bogleheads and annoyingly talk through a crapp...
by Triple digit golfer
Sun Apr 04, 2021 9:34 am
Forum: Personal Investments
Topic: Best all-in-one, set it and forget portfolio?
Replies: 36
Views: 3141

Re: Best all-in-one, set it and forget portfolio?

Vanguard target or LifeStrategy funds.
by Triple digit golfer
Sun Apr 04, 2021 8:57 am
Forum: Personal Investments
Topic: Sell SPY for VOO Lower ER after One Year - Capital Gains
Replies: 9
Views: 782

Re: Sell SPY for VOO Lower ER after One Year - Capital Gains

SPY is a fine investment. Increase your savings by $0.35 and you'll break even on the expense ratio. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=2021&lastMonth=12&calendarAligned=true&includeYTD=false&ini...
by Triple digit golfer
Sun Apr 04, 2021 6:53 am
Forum: Investing - Theory, News & General
Topic: Risk Less Make More - Jonathan Clements
Replies: 34
Views: 3776

Re: Risk Less Make More - Jonathan Clements

telemark wrote: Sun Apr 04, 2021 5:17 am
Triple digit golfer wrote: Sat Apr 03, 2021 5:46 pm Tomato, tomato.

But obviously tomato is right and tomato is wrong. :P
You say potato
:P :D
by Triple digit golfer
Sun Apr 04, 2021 6:53 am
Forum: Investing - Theory, News & General
Topic: Risk Less Make More - Jonathan Clements
Replies: 34
Views: 3776

Re: Risk Less Make More - Jonathan Clements

The only CNBC content I enjoy is American Greed. Someone is always guilty on that show... Awesome show. I haven't watched in probably a year, but I've seen probably 30 of them. So you do watch CNBC (content)! Just American Greed and The Profit now and then. Whatever I can get on the streaming apps....
by Triple digit golfer
Sat Apr 03, 2021 9:40 pm
Forum: Investing - Theory, News & General
Topic: Risk Less Make More - Jonathan Clements
Replies: 34
Views: 3776

Re: Risk Less Make More - Jonathan Clements

CNBC is free on youtube... And you know that because you watch it? Guilty!!! In all seriousness, it's Peppa Pig and Disney movies around here. After about 8 pm is when I peruse Bogleheads and annoyingly talk through a crappy reality show that my wife is watching, and if not that I'll watch Family G...
by Triple digit golfer
Sat Apr 03, 2021 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Job Dilemma
Replies: 64
Views: 6367

Re: Job Dilema

Job #1 is a no-brainer for me. Job #2 is too stressful and too many hours. Job #3 doesn't seem like a step up from Job #1 at all. You're young with a $1.3 million net worth and a good income in a low stress job where you are established and valued. Why would you leave that and go work 60 hours a we...
by Triple digit golfer
Sat Apr 03, 2021 8:30 pm
Forum: Investing - Theory, News & General
Topic: Risk Less Make More - Jonathan Clements
Replies: 34
Views: 3776

Re: Risk Less Make More - Jonathan Clements

Too much CNBC... Nah, I've never watched it. Don't even have cable anymore. CNBC is free on youtube... And you know that because you watch it? Guilty!!! In all seriousness, it's Peppa Pig and Disney movies around here. After about 8 pm is when I peruse Bogleheads and annoyingly talk through a crapp...