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When I think of the term family money, I picture people living off trust funds. Not having to work But in actuality it’s probably much less than that and likely describes myself. (Always had the safety net of my parents, college fully funded. Help with my first down payment. Then married my wife wh...

I feel as though this article and the discussion here are missing an aspect of passive investing that to me has always been the main attraction -- which is that it's a braindead easy strategy to execute. I don't think it's ever been the case that index investing is the best performing strategy in ab...

so after the GME squeeze is over, GME is guaranteed to drop big, like 90%? I think just about everyone realizes that. The debate is over who is left holding the bag when the longs liquidate. The longs think the shorts will once they need to cover. The shorts think they will once the longs waiver an...

Short answer -- Yes. The difference between these funds is extremely negligible, both in terms of expenses and holdings. If you prefer to keep it simple and stick with all Vanguard funds that's perfectly fine, but IMO there's no real reason to treat ITOT or SCHB differently. If the TLH benefits are ...

I love that because this is Bogleheads, someone actually did the legwork for OP of creating a backtest which confirms the consensus in the thread, which is that indeed this strategy will sell high and buy low. For a while, the “dogs of the Dow” was popular in the press. The idea was similar, except ...

Riskiness is a nebulous concept with no one agreed upon technical definition. However, if you use volatility (which does have a well defined technical definition) as a proxy for risk, it is well established that volatility tends to increase dramatically as stocks crash. Stock price movements have f...

We are extremely fortunate. Though probably in the middle in terms of assets (assuming a fairly large standard deviation), we have "won the game" when considering our expenditures, assets, SS and a pension that meets approximately 30% or so of our expenditures. We have essentially been sa...

So what is everyone else on this board doing if a target retirement fund is perfectly good? How come I see so few people here talking about them? Surely I can do better than a set it and forget it approach. Maybe something more tailored for the time. It seems a lot of people are making calculated m...

Thanks. Yes, you are correct that the TLH piece sounds reasonable, sitting on that sell is a bit less reasonable, BUT if it calms me a bit, perhaps that's good? Guess I feel MORE worried about that international stock piece than my total stock piece. Keep the comments coming. If not being calm will...

If you are describing sophisticated algorithmic trading, then yes I'm sure that type of activity occurs every day in good and bad markets, and I could believe that those types of trading firms thrive on volatility. But those are folks who pay big dollars to have nanosecond latency to the exchanges a...

I've personally never understood the fixation with with SCV. I find that it is often not consistently defined, and to the extent that it is, it feels to me like a fairly arbitrary investing decision, but to each their own. Folks can tilt towards whatever they'd like -- green energy, tech, companies ...

Thank you. So just to confirm with folks here before I move forward. If I have the following lots (simplified): SCHB: Lot A - June 2016 Lot B - June 2017 Lot C - June 2018 Lot D - June 2019 Lot E - Mar 2020 If I sell Lots C, D, and E but not Lot A or B -- would I ensure that I avoided any wash sale ...

From reading your responses in this thread, it's pretty clear that whether you are right or wrong in this particular case, your psychology is going to cause you financial harm in the long term if you do not force yourself to stay the course. You speak with an irrational confidence about unknowable m...

I'm not a tax person, so don't rely on my advice. But my understanding is that wash sale rules only apply to replacement shares purchased 30 days before or after the sale. If you sell your entire position and don't buy it back, there can't be a wash sale. I believe VTI and SCHB track slightly diffe...

Have you considered one of the other 20 or so threads on the topic? Few here are going to endorse market timing and gambling on a sense that you have some unique insight. Every other investor is seeing and reading the same news you are. But it's your money. If you know the future, go for it. And I'l...

You're 28 years old with one and a half million dollars in savings, with another 900k coming. You're going to be in amazing shape either way. Personally, I don't think it's worth agonizing over your current mis-allocation and locking in losses now to correct for prior misjudgements. At this point I ...

Hi there folks. I apologize for yet another TLH thread, but I want to make sure I understand correctly before I do anything. Here's my situation, I regularly invest in SCHB and have lots ranging from 2016 to this week. I have purchased 2 lots in the last 30 days -- one was a regular investment, and ...

Hi all. It’s Wednesday night. My AA is 85:15. Anyways, it sure seems that the market is going to continue to crash and burn. By selling everything and then slowly buying back in over the next 6 months, I think I stand to do better than if I just held on for the ride. It’s like this: I’m quite sure ...

I plan to slowly increase my stock allocation as the market keeps tanking (if it does) . I was thinking something like: 10% drop: 44%, -20% : 48%, -30% : 54%, -40%: 60%, -50%: 70% stock allocation and so on. Is this a reasonable way of increasing my stock allocation (I understand that this is marke...

Lol you guys are so harsh. I didn't suggest that I need your permission that's ridiculous, I'm asking if others here think it's a bet with above 50% odds. This is a forum full of folks who don't trust their own judgement about what the market is or isn't likely to do. Why would you trust any of us ...

So wait... are you saying the idea of timing the market a bit with bond rebalancing isnt that bad? What if I wait to see if the market goes down further, and if it does, move my bonds in my 401k to VTI within my 401k, in essence "buying" those stocks at a low. Is that bad? Can anyone chim...

If you have access to the mega backdoor Roth it seems advantageous to use it. You can withdraw the rollover contributions if needed, and in the meantime you will have the benefit of being able to adjust allocations as needed without concern for taxable events. If you have significant retirement savi...

That's my exact concern. Some seem to be talking out of both sides of their mouth, condoning that investors abandon their value tilt while advocating that they 'stay the course' when it comes to international holdings, likely on the basis of whether the one providing the advice personally 'likes' i...

Thank you to all for the comments. I am planning to move forward with this allocation, and I've started selling the positions as outlined previously. To address some suggestions/concerns that were raised: SIMPLIFY. The fewer and the broader the funds the better. I highly recommend the 3 fund portfol...

Thanks for the feedback so far. I've decided to tweak my target asset allocation a bit, to the following: Domestic - 55% International - 25% (still maintaining the approx 1/3rd international allocation to emerging markets) REITs - 10% Bonds - 10% I decided to increase the allocation to REITs to 10% ...

Thanks for the comments, that's helpful. I'd like to maintain an aggressive allocation, especially since I am comfortable keeping a larger emergency fund, but I think it may be appropriate to raise the bond allocation higher that I currently have it. It feels like younger investors either go 100% eq...

Hi folks, I've been lurking around here for a little bit and this forum has been a tremendous resource, and gotten me really interested in taking more active control of my finances. I want to thank everyone who freely contributes such detailed and useful analysis, it has made diving into self-direct...