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Cautionary Tale

I am in the same boat, and what's annoying is that I suspect that's why I haven't seen my 2k stimulus.

Cautionary Tale

Let's take a moment to be grateful. What was the market doing a year ago today? We were at the beginning of a very frightening period.

Cautionary Tale

I would just like to commend the OP for creating an excellent title for this thread.

And, I wouldn't get pushy with advice. Could strain the friendship.

Cautionary Tale

Doesn't traditional ira help with ACA subsidies, while Roth doesn't?

Cautionary Tale

Personally, I would keep the subaru and use the extra money to play more golf.

Cautionary Tale

What happened to sheepdog exactly? How much did he sell? When did he get back in? Don't have time to read the whole thread.

Cautionary Tale

I know its surreal times when even my emerging markets and energy funds are making good money.

Cautionary Tale

What happened to the Nasdaq? Not used to seeing that in red and the other two in green.

Cautionary Tale

Emerging markets :wink: I bought a small VWO position to track all this Emerging Market chatter on 1/21, so far I am down 3.34% on that investment. No celebration from me for Emerging Markets. Get used to that feeling buddy. I've had it since my broker talked me into putting a big chunk into EM ten...

Cautionary Tale

Don't laugh, but I would personally check out the rings offered by Costco. Like any other product they carry, Costco tends to carry excellent quality rings at or near wholesale prices. For example, I just checked their website. Here is an example of a ring currenlty offered on their website: Round ...

Cautionary Tale

You clearly have an attachment to the car. I would keep it. You probably won't miss the money you sink into it, but you could miss the car

Cautionary Tale

Dang. I lost money today. What is that all about?

Cautionary Tale

Good ole Nasdaq never lets us down.

Cautionary Tale

If the Nasdaq bears are right, we really need to cherish days like this

Cautionary Tale

Still driving a 91!!?? How many miles?

Cautionary Tale

Islands of Adventure is opening a world class rollercoaster soon. Probably not open by February, but should be open by April. If it were me, I would be sure to be there in April.

Cautionary Tale

This will be a great thread to look back on in 10 years.

Cautionary Tale

New Perspective has done well for me. It won't let you down.

Cautionary Tale

I've heard only good things from people who have one of these plans. Have been tempted to join, but not quite ready to take the plunge.

Cautionary Tale

Finally made Roth contribution this morning. Brace for 10-15% correction. Market timers-prepare to sell.

Cautionary Tale

The Straight Story (1999) with Richard Farnsworth, directed by David Lynch. I really enjoyed this one. Based on a true story, an old man travels on a lawn mower across several states to visit his brother. I know, sounds crazy. Farnsworth was nominated for best actor Oscar. (Spacey won for American ...

Cautionary Tale

The Straight Story (1999) with Richard Farnsworth, directed by David Lynch. I really enjoyed this one. Based on a true story, an old man travels on a lawn mower across several states to visit his brother. I know, sounds crazy. Farnsworth was nominated for best actor Oscar. (Spacey won for American ...

Cautionary Tale

People were shocked in March. We're so numb to the coronavirus by now I think we've developed a tendency to shrug off every new piece of bad news.

Cautionary Tale

Excellent post.

Cautionary Tale

The question is: was it better that you got a few more months out of it for $150, or do you wish you would have just followed the first guys guidance originally.

Cautionary Tale

Money (and what it buys) can't satisfy the soul.

Cautionary Tale

Despite all my time on this board, was waiting for a down day in the back half of this week to invest Roth. Still waiting. Still, portfolio growth this week (specifically EM performance) eased the pain. Why? How long do you plan to wait? Maybe it'll go up another 10% and then you'll get a day where...

Cautionary Tale

Despite all my time on this board, was waiting for a down day in the back half of this week to invest Roth.

Still waiting.

Still, portfolio growth this week (specifically EM performance) eased the pain.

Cautionary Tale

I offer this information only as a testament to what is possible for those late starters to saving for retirement. I recently turned 68 but we didn't really start investing for retirement until I made a major job change in 2005, at age 52. At that time we were very fortunate, after working hard for...

Cautionary Tale

What are you guys doing with any dry powder you have? Ready to fund my backdoor roth today but wondering i I should wait. Was going to just buy some total US - ITOT My contribution is going in today. I already placed the orders. What do you want to wait for? A "dip"? Do you think this is ...

Cautionary Tale

870/month for one healthy male here.

Cautionary Tale

I hope so. Would like at least some justification for my significant international allocation. Listened to my advisor on this and he has cost me big bucks over the last decade.

Cautionary Tale

pokebowl wrote: ↑Sun Jan 03, 2021 8:36 pm Sorry in advance to everyone, but I'll be shifting a large chunk of assets around in taxable tomorrow and generating those sweet taxable events from selling. Enjoy the dip.

Sell your bonds and buy stocks please.

Cautionary Tale

3975.23

Cautionary Tale

Credit to OP for reappearing in this thread.

Cautionary Tale

After the great year we had in 2020, it's time to rebalance. My re balancing bands have been reached. It's the right thing for me to do, but it's not easy to sell your winners. (i.e. VTSAX). If the market keeps going up, I'll try not to second guess myself and wish that I hadn't rebalanced. Are you...

Cautionary Tale

Without going into detail, I would buy new if it were me.

Cautionary Tale

VWO is FINALLY over $50!

I'm selling

Cautionary Tale

You got out in February? That's not bad!! It's the people who got out in mid-March that I feel really sorry for.

Cautionary Tale

Looks like she consulted you before writing.

Cautionary Tale

000 wrote: ↑Tue Dec 29, 2020 5:15 pm International diversification really working today for those who stayed the course:
VTI -0.42%
VEA +0.79%
VWO +1.08%

Don't worry, VWO will be down 1% tomorrow.

Cautionary Tale

This thread is making me feel very lazy...

Cautionary Tale

Accounts have stayed level for 20 years? What are they invested in?

Cautionary Tale

OP, I am in those same American funds at a big broker except I started investing in those funds about 15 years ago. I saw the light two years ago and started putting new money at Vanguard, but Growth Fund of America and New Perspective have done very well and New World has performed better than most...

Cautionary Tale

My American Funds New World Fund has crushed my VWO over the last 1, 5, and 10 years and has beaten it even considering the 5.75 load. I am tempted to dump some emerging markets and I think VWO will be the one to go.

Cautionary Tale

Yeah. It's funny to think of dividends as "gains" sometimes. My XLE energy fund went from about 60 at the beginning of 2020 to 22.98 at its low in March, yet they still paid "gains" to me in March.

Cautionary Tale

Thanks for the replies.

So a dividend is a "forced sale". But if I were to choose to sell some shares, I only pay taxes on the gains. But I have to pay taxes in the whole dividend when the sake is forced.

Cautionary Tale

Doesn't make sense to me. You have no more money than you did before.

Cautionary Tale

So what was the AUM fee?

Your situation would be tougher if the advisor is a long time family friend. That's my situation. (Different firm). don't think I pay AUM but each trade is $50.

New money goes to secret Vanguard account.

Cautionary Tale

There comes a point when you might consider selling something because it's been "down" for 7-10 years. My VWO for example. Not sure that fund will ever see glory days.

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