Search found 24173 matches

by abuss368
Fri Apr 16, 2021 9:49 am
Forum: Investing - Theory, News & General
Topic: What’s the problem with dividends?
Replies: 126
Views: 6894

Re: What’s the problem with dividends?

That’s just it! There is no “problem” with dividends!

Tony
by abuss368
Thu Apr 15, 2021 9:39 pm
Forum: Investing - Theory, News & General
Topic: What’s the problem with dividends?
Replies: 126
Views: 6894

Re: What’s the problem with dividends?

Well, then, I believe that not receiving dividends has a sort of psychological component that gives people's subconscious the illusion of money somehow invariably invested wisely and super tax efficiently by clairvoyant CEOs The way I see it, either you trust the management or you probably shouldn'...
by abuss368
Thu Apr 15, 2021 8:36 pm
Forum: Personal Investments
Topic: Bond Allocation
Replies: 3
Views: 489

Re: Bond Allocation

After doing well riding the past bond market interest rate yield down to the present, I currently have all my bonds in short term Treasuries (VFIRX,FUMBX). I know there is no easy answer but would you start shoveling all or some of bonds into VBTLX now? Market timing has been proven to not work. An...
by abuss368
Thu Apr 15, 2021 8:33 pm
Forum: Investing - Theory, News & General
Topic: There’s a single New Jersey deli doing $35,000 in sales valued at $100 million in the stock market
Replies: 54
Views: 4877

Re: There’s a single New Jersey deli doing $35,000 in sales valued at $100 million in the stock market

Hedge fund manager David Einhorn warned of dangers for retail investors that he sees in the market, and one of his main examples was a tiny New Jersey deli with a market capitalization of more than $100 million. https://www.msn.com/en-us/money/companies/there-s-a-single-new-jersey-deli-doing-35-000...
by abuss368
Thu Apr 15, 2021 8:32 pm
Forum: Investing - Theory, News & General
Topic: What’s the problem with dividends?
Replies: 126
Views: 6894

Re: What’s the problem with dividends?

I believe in many respects we are dancing on the head of a pin. It simply does not matter.

Tony
by abuss368
Thu Apr 15, 2021 7:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14580
Views: 1118650

Re: U.S. stocks continue to soar!

I am backing up the truck soon! 😂😂

Tony
by abuss368
Thu Apr 15, 2021 7:08 pm
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 83
Views: 4012

Re: thinking about adding some REIT

[ What about the tech bubble in 2000. Were REITS the only asset class to stay slightly positive? Tony Nope. Bonds stayed positive. Are you sure REITs were not positive? I thought they did well for a few years. Tony Huh? You asked: "What about the tech bubble in 2000. Were REITS the only asset ...
by abuss368
Thu Apr 15, 2021 7:07 pm
Forum: Personal Consumer Issues
Topic: DIY Pest Control
Replies: 22
Views: 1461

Re: DIY Pest Control

I would consider napalm. Always works.

Tony
by abuss368
Thu Apr 15, 2021 7:07 pm
Forum: Investing - Theory, News & General
Topic: What’s the problem with dividends?
Replies: 126
Views: 6894

Re: What’s the problem with dividends?

Why do so many folks on here find dividend income undesirable if one needs income? Qualified dividends have the same tax rate as long term capital gains, so what difference does it make whether the income comes from selling appreciated assets or from dividends? Nothing wrong at all. You have divide...
by abuss368
Thu Apr 15, 2021 6:58 pm
Forum: Personal Investments
Topic: Buying dividend stocks
Replies: 40
Views: 4139

Re: Buying dividend stocks

I added to my position in Pepsi stock a few weeks ago. It was one of the few things I could find to buy outside of index funds that I didn't think was "overvalued". Jack Bogle has said that investors should not own individual stocks as the risk is too great. Instead of searching for the n...
by abuss368
Thu Apr 15, 2021 6:56 pm
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 83
Views: 4012

Re: thinking about adding some REIT

mrmass wrote: Thu Apr 15, 2021 4:12 pm You missed the boat on Industrial REITS. IMO Malls will add health clinics, gyms, supermarkets, maybe car dealers to transform and stay relevant
That transformation is happening already in our area. Only the big boys have the resources and access to capital to make that happen!

Tony
by abuss368
Thu Apr 15, 2021 6:55 pm
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 83
Views: 4012

Re: thinking about adding some REIT

watchnerd wrote: Thu Apr 15, 2021 3:32 pm
abuss368 wrote: Thu Apr 15, 2021 3:12 pm [

What about the tech bubble in 2000. Were REITS the only asset class to stay slightly positive?

Tony
Nope.

Bonds stayed positive.
Are you sure REITs were not positive? I thought they did well for a few years.

Tony
by abuss368
Thu Apr 15, 2021 5:58 pm
Forum: Investing - Theory, News & General
Topic: Rebalance time for retiree- If I buy VBTLX now what do I get?
Replies: 18
Views: 1893

Re: Rebalance time for retiree- If I buy VBTLX now what do I get?

jdamo: Looking at actual historical returns for inflation and the total bond fund index should dispel you fears. https://www.bogleheads.org/forum/viewtopic.php?t=308269 More money has been lost worrying about inflation than lost at the point of a gun. Best wishes. Taylor Jack Bogle's Words of Wisdo...
by abuss368
Thu Apr 15, 2021 3:16 pm
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 83
Views: 4012

Re: thinking about adding some REIT

The rise of Amazon and similar will siphon some money from malls. No, it is not the end of malls but their future is not as bright as previously for that portion of REITs--maybe already priced into current values. My opinion is that suggesting REIT exposure for retirement income was very good advic...
by abuss368
Thu Apr 15, 2021 3:12 pm
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 83
Views: 4012

Re: thinking about adding some REIT

I think a small but meaningful allocation to REIT is good for diversification . Can you elaborate? REITs are highly correlated with the general stock market. 0.73 https://www.portfoliovisualizer.com/asset-class-correlations Correlation fluctuates with different market environments for all asset cla...
by abuss368
Thu Apr 15, 2021 8:27 am
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 83
Views: 4012

Re: thinking about adding some REIT

I think a small but meaningful allocation to REIT is good for diversification . Can you elaborate? REITs are highly correlated with the general stock market. 0.73 https://www.portfoliovisualizer.com/asset-class-correlations Correlation fluctuates with different market environments for all asset cla...
by abuss368
Wed Apr 14, 2021 8:40 pm
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 83
Views: 4012

Re: thinking about adding some REIT

we talk on a monthly basis and he guides me on questions i have about investing in general. i told him i'm 60/40 now and we talked about further diversify my holdings and since i plan on retiring in 18 months or so he pointed out REIT would be a good place to go with the dividends pay out. Have you...
by abuss368
Wed Apr 14, 2021 8:35 pm
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 83
Views: 4012

Re: thinking about adding some REIT

annu wrote: Wed Apr 14, 2021 8:18 pm
tibbitts wrote: Wed Apr 14, 2021 5:02 pm And these much better passive options are...?
Crowdstreet or even fundrise or roofstock for that matter
Those are options for sure. Illiquid and lock your money up for 5 years at least. Avoid daily whips of the markets but subject to revaluations.

Do you invest in Fundrise?

Tony
by abuss368
Wed Apr 14, 2021 8:31 pm
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 83
Views: 4012

Re: thinking about adding some REIT

I have had 10% of my total portfolio into VNQI(50%), VNQ/FREL(50%). Cant wait for them to get back to the price I got them for and sell. Especially with Vanguard, something changed and dividends are not happening regularly..at all. International REIT:https://investor.vanguard.com/etf/profile/VNQI U...
by abuss368
Wed Apr 14, 2021 8:30 pm
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 83
Views: 4012

Re: thinking about adding some REIT

is this a retirement or a taxable account? you don't want REITs in a taxable acct precisely because they pay dividends. We have a good friend of family who built up a very large passive income stream from dividends in a taxable account. Included REITs and High Dividend funds along with total market...
by abuss368
Wed Apr 14, 2021 8:28 pm
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 83
Views: 4012

Re: thinking about adding some REIT

And what if commercial office real estate never comes back? What if working from home becomes the permanent new normal. Office buildings will go the way of shopping malls, and REITs that own them will remain depressed forever. See Wall Street Journal. Amazon calling back employees after Labor Day. ...
by abuss368
Wed Apr 14, 2021 8:26 pm
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 83
Views: 4012

Re: thinking about adding some REIT

ruralavalon wrote: Wed Apr 14, 2021 2:31 pm
I recommend NOT using individual REITs, because too risky and illiquid.
I would add that all REITs are not created equal! Big differences between equity REITs (own actual physical buildings) and mortgage REITs (push paper around).

Tony
by abuss368
Wed Apr 14, 2021 8:25 pm
Forum: Personal Investments
Topic: thinking about adding some REIT
Replies: 83
Views: 4012

Re: thinking about adding some REIT

tibbitts wrote: Wed Apr 14, 2021 2:15 pm You won't find much support for individual REITs here. And probably not that much support for REITs in general lately.
How the years have changed! I recall how REITs and TIPS were the rage on the board a decade ago!

Tony
by abuss368
Wed Apr 14, 2021 8:23 pm
Forum: Personal Investments
Topic: Thoughts on VNQ? [Vanguard Real Estate ETF]
Replies: 48
Views: 11796

Re: Thoughts on VNQ? [Vanguard Real Estate ETF]

In 2008-2009, it was shocking to look at an investment in VTI or an S&P 500 index fund and see only about half the number you'd gotten used to seeing. It was more shocking to look at an investment in the Vanguard REIT Index fund/ETF and see only about a third of the number you'd seen a year ear...
by abuss368
Wed Apr 14, 2021 8:21 pm
Forum: Personal Investments
Topic: Thoughts on VNQ? [Vanguard Real Estate ETF]
Replies: 48
Views: 11796

Re: Thoughts on VNQ? [Vanguard Real Estate ETF]

Muggle wrote: Tue Apr 13, 2021 12:56 pm Is it true that the K-1 on VNQ is almost always delayed leading one to extend tax filing.
IRS Form 1099-DIV and not IRS Form K-1 is issued for Vanguard REIT Index.

Tony
by abuss368
Wed Apr 14, 2021 8:12 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 High Dividend ETF - SPYD
Replies: 53
Views: 4642

Re: S&P 500 High Dividend ETF - SPYD

This has been an very educational thread.

Appreciate it.

Tony
by abuss368
Wed Apr 14, 2021 8:10 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2756
Views: 274478

Re: [What TV Show Have You Recently Watched?]

Cobra Kai on Netflix. It is good and brings back a lot of memories from the 80s!

https://en.wikipedia.org/wiki/Cobra_Kai
by abuss368
Wed Apr 14, 2021 8:09 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1567
Views: 93734

Re: What are you listening to now

Silence and it is golden while reading.

Tony
by abuss368
Wed Apr 14, 2021 8:09 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4568
Views: 229667

Re: [GameStop GME trading mega-thread]

Should I back up my big truck? :twisted:

Tony
by abuss368
Wed Apr 14, 2021 7:50 pm
Forum: Investing - Theory, News & General
Topic: Rebalance time for retiree- If I buy VBTLX now what do I get?
Replies: 18
Views: 1893

Re: Rebalance time for retiree- If I buy VBTLX now what do I get?

A high yield CU or bank savings account gives you flexibility, protects against loss of capital, and pays more than a money market fund. I can't see accepting a 1.33% SEC yield in return for the potential of a 6-12% loss of NAV that will take years to come back to even if rates rise to only the ane...
by abuss368
Wed Apr 14, 2021 7:48 pm
Forum: Investing - Theory, News & General
Topic: Rebalance time for retiree- If I buy VBTLX now what do I get?
Replies: 18
Views: 1893

Re: Rebalance time for retiree- If I buy VBTLX now what do I get?

Hey Bogleheads, I am a 2 yr retiree now doing essentially the 3-fund approach + cash reserve. Now is time to do an annual rebalance. I have about ~10% cash in reserve ...call it "dry powder" that I could invest vs the money market fund it is in now. Now that it is time to rebalance after ...
by abuss368
Wed Apr 14, 2021 10:55 am
Forum: Investing - Theory, News & General
Topic: International is in meltdown
Replies: 410
Views: 35128

Re: International is in meltdown

I did not flip flop on international. I had 20% of stock when Vanguard recommended that. Then 30% before Vanguard and ultimately 40% of stock. But now you think international is a bad idea. How is that not a flip flop? Arguably, it could be considered a "flop flip" Priceless 😂🤣 Tony
by abuss368
Wed Apr 14, 2021 9:01 am
Forum: Investing - Theory, News & General
Topic: International is in meltdown
Replies: 410
Views: 35128

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 abuss368
Wed Apr 14, 2021 8:57 am
Forum: Investing - Theory, News & General
Topic: International is in meltdown
Replies: 410
Views: 35128

Re: International is in meltdown

So is international really blowing up?

Tony
by abuss368
Tue Apr 13, 2021 9:08 pm
Forum: Investing - Theory, News & General
Topic: Beginning to evaluate the holdings of Vanguard Target Retirement Funds
Replies: 110
Views: 5850

Re: Beginning to evaluate the holdings of Vanguard Target Retirement Funds

Vanguard essentially allocates 40% of stock to international and 30% of bond to international for both Target and LifeStrategy funds. Inflation bonds are included in one or two Target funds (closest to retirement).

Tony
by abuss368
Tue Apr 13, 2021 9:07 pm
Forum: Investing - Theory, News & General
Topic: Beginning to evaluate the holdings of Vanguard Target Retirement Funds
Replies: 110
Views: 5850

Re: Beginning to evaluate the holdings of Vanguard Target Retirement Funds

* Just a fair warning to other Bogleheads who might have blindly signed-up for Vanguard Target Funds - the ignorant get fleeced! It seems to me that Bogleheads who signed up for a target date fund got a much better portfolio than if they randomly followed advice from people on the forum. There may ...
by abuss368
Tue Apr 13, 2021 6:38 pm
Forum: Personal Investments
Topic: Simplicity over Small Cap Value
Replies: 85
Views: 5939

Re: Simplicity over Small Cap Value

While I can understand someone not wanting to take the risk adding SCV, it’s hard to argue with someone who wants to slightly tilt to ex-S&P. The difference in valuations between the mega caps and small caps has never been higher, and there’s something to be said for that increased diversificat...
by abuss368
Tue Apr 13, 2021 8:48 am
Forum: Personal Investments
Topic: I cant find anything better than S&P
Replies: 74
Views: 7932

Re: I cant find anything better than S&P

anon_investor wrote: Thu Apr 08, 2021 10:59 pm My vote: Total US Stock Market Index and chill.
I love this advice.
by abuss368
Tue Apr 13, 2021 8:33 am
Forum: Investing - Theory, News & General
Topic: Is this the single worst time to be a passive investor
Replies: 73
Views: 9274

Re: Is this the single worst time to be a passive investor

Dave55 wrote: Mon Apr 12, 2021 6:38 pm Those who tell don't know. Those who know don't tell.

Dave
Love this advice Dave. This applies to investing and life!

Hope you are well.
Tony
by abuss368
Mon Apr 12, 2021 9:05 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 High Dividend ETF - SPYD
Replies: 53
Views: 4642

Re: S&P 500 High Dividend ETF - SPYD

Interesting. I have no international, but I have VGT in my Roth IRA (most of it was bought in fall 2019) and VGT in my taxable (most of it was bought in March 2020). Interesting you are using international as a bond proxy. Your strategy makes more sense in a higher-tax world, I may go in that direc...
by abuss368
Mon Apr 12, 2021 9:01 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 High Dividend ETF - SPYD
Replies: 53
Views: 4642

Re: S&P 500 High Dividend ETF - SPYD

Interesting. I have no international, but I have VGT in my Roth IRA (most of it was bought in fall 2019) and VGT in my taxable (most of it was bought in March 2020). Interesting you are using international as a bond proxy. Your strategy makes more sense in a higher-tax world, I may go in that direc...
by abuss368
Mon Apr 12, 2021 6:57 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 High Dividend ETF - SPYD
Replies: 53
Views: 4642

Re: S&P 500 High Dividend ETF - SPYD

Interesting. I have no international, but I have VGT in my Roth IRA (most of it was bought in fall 2019) and VGT in my taxable (most of it was bought in March 2020). Interesting you are using international as a bond proxy. Your strategy makes more sense in a higher-tax world, I may go in that direc...
by abuss368
Mon Apr 12, 2021 3:53 pm
Forum: Investing - Theory, News & General
Topic: International is in meltdown
Replies: 410
Views: 35128

Re: International is in meltdown

watchnerd wrote: Mon Apr 12, 2021 2:53 pm
abuss368 wrote: Mon Apr 12, 2021 2:14 pm I do recall Mr. Bogle getting out completely in 2020.
That would be remarkable given Jack passed away in 2019.
Typo. Referring to tech bubble in 2000. I will edit.

Tony
by abuss368
Mon Apr 12, 2021 3:52 pm
Forum: Investing - Theory, News & General
Topic: International is in meltdown
Replies: 410
Views: 35128

Re: International is in meltdown

watchnerd wrote: Mon Apr 12, 2021 2:51 pm
abuss368 wrote: Mon Apr 12, 2021 2:12 pm
Believe Portfolio Visualizer goes back to 1986!😂🤣

Tony
???

But you couldn't invest in frontier markets or Vietnam in 1986 via a publicly traded fund.....

FM dates back to 2012.

VNM dates back to 2009.
Priceless 😂🤣
by abuss368
Mon Apr 12, 2021 3:50 pm
Forum: Investing - Theory, News & General
Topic: International is in meltdown
Replies: 410
Views: 35128

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 abuss368
Mon Apr 12, 2021 2:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch has a new look
Replies: 98
Views: 7763

Re: Vanguard Portfolio Watch has a new look

I own total market index funds. As time has gone on, these tools and analysis just don’t get me excited any longer.

Tony
by abuss368
Mon Apr 12, 2021 2:16 pm
Forum: Investing - Theory, News & General
Topic: Risk/Reward of Private Investments
Replies: 12
Views: 810

Re: Risk/Reward of Private Investments

I have invested in several startups, all went "nowhere". I also invested in many private real estate LP's over a 20 year period. In retrospect, some of the private RE deals were home runs, most were singles and doubles, some went sideways and a few went south. I estimate that I would have...
by abuss368
Mon Apr 12, 2021 2:15 pm
Forum: Investing - Theory, News & General
Topic: International is in meltdown
Replies: 410
Views: 35128

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 abuss368
Mon Apr 12, 2021 2:14 pm
Forum: Investing - Theory, News & General
Topic: International is in meltdown
Replies: 410
Views: 35128

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 abuss368
Mon Apr 12, 2021 2:12 pm
Forum: Investing - Theory, News & General
Topic: International is in meltdown
Replies: 410
Views: 35128

Re: International is in meltdown

FM is up today, +0.36% at the moment. VNM is +1.72%. Good morning, Vietnam stonks! I wonder how long it will take before people stop turning up their noses at these markets. So far 35 years and counting. Tony 35 years? FM and VNM haven't been investable that long. Believe Portfolio Visualizer goes ...