Bogleheads.org

tvubpwcisla

The best advice I can provide is to not tell anyone about the blessing that you worked hard for. You see, your problem has nothing to do with how to invest the money. Your problem is how to deal with the emotions of your extended family coming to you and begging for their share.

tvubpwcisla

Has anyone here gone from being an individual contributor at work (Engineer or something else) to a Manager level employee / leader?

Any tips on how to be successful when moving over to the dark side!

tvubpwcisla

Yes, I will be getting in at the opening bell tomorrow morning. I love the blend of Index Funds + Individual Equities.

tvubpwcisla

I'll start...

It's difficult, if not impossible, to outperform the Indexes.

tvubpwcisla

I thought CAPE stood for:

Careful
Analysts
Pick
Equities

oh, how things have changed!

tvubpwcisla

Being house poor is a horrible feeling. If you feel like you will always be able to afford a 1.5 million dollar home no matter what happens to you in life then go for it. As for me and my house, middle of the road (or even a little less) is just fine.

tvubpwcisla

I stumbled upon an article on Yahoo Finance: "This is the single worst time to be a passive investor in since they started passive investments... The [S&P 500] index is highly likely to not make money over the next 10 years," said Bill Smead, chief investment officer of Smead Capital M...

tvubpwcisla

One, two, or three funds will not make the difference in your success of achieving financial independence.

The important thing is that whatever you do choose, stick to it.

tvubpwcisla

burritoLover wrote: ↑Thu Jan 14, 2021 11:51 pm Nothing - the next 10 years are probably going to be the worst period to invest in history.

I hope this is true, as we will be able to purchase investments at great deals!

tvubpwcisla

With passive Index Investing, Technical Indicators seem to be irrelevant as we simply invest in Index Funds and then go along for the ride; dollar cost averaging and collecting Dividends along the way to financial independence. I am curious if you do follow the market in more detail, are there any T...

tvubpwcisla

Equities, in my opinion, are actually under valued. We are coming out of a Pandemic (go out on the weekends and see the pepped up demand). Unemployment is dropping like a rock and fast. Home values are rising faster than any other time in history. Companies are hiring like crazy. Janet Yellen is now...

tvubpwcisla

Investing in Bonds is better than not investing at all; however, I prefer the best of the best, and that is Equities.

tvubpwcisla

I would call out a licensed plumber based off that picture.

tvubpwcisla

Is 100% Equities a bad investment strategy or does it simple mean that your account will see larger fluctuations in value? In the long run, a 100% Equity Portfolio will yield the high gains, correct? Thanks! :moneybag There have been a number of threads asking something similar. You can search them...

tvubpwcisla

I think you can afford it; however, should you? It really comes down to what you enjoy in life, as we all know life is short. If you are super happy with your property and don't mind the monthly outflows, I think it is okay. I am a fan of keeping costs low, planning for emergencies, and investing mo...

tvubpwcisla

Is 100% Equities a bad investment strategy or does it simple mean that your account will see larger fluctuations in value?

In the long run, a 100% Equity Portfolio will yield the high gains, correct?

Thanks!

tvubpwcisla

I think I would do the opposite. Eliminate all debt, and then invest into 100% equities.

tvubpwcisla

You pay for the repair. Is the tree unhealthy or poorly maintained? Why do you think the HOA owes you money? Thanks for your reply. I was hopeful the HOA would help me pay for the repair and / or remove the trees since the trees that caused the damage where on their property and I expressed concern...

tvubpwcisla

I live next to an HOA maintained common area. Tree roots came under the fence and damaged our landscape drainage pipe, which had to be replaced. I asked the HOA to help with the repair / replacement cost and also to remove the trees that caused the damage. They said no to both. Where should I go fro...

tvubpwcisla

I hope he is right, as it will favor the patient investor who buys and never sells with accumulation at the very low and predicted lost decade pricing!

tvubpwcisla

As we start a new week, here is a good reminder video from Mr. Bogle on investing - https://www.youtube.com/watch?v=65FIl71bZKQ - Buy everything and hold it forever - Don't time the market - Market declines are one of the best things that can happen to investors as they can purchase at cheaper price...

tvubpwcisla

Whatever town you choose, act and present yourself like the poorest person.

tvubpwcisla

Seems like stocks are up and down during the after market and then during the day they don't move much. Is this normal and typical of how markets work?

tvubpwcisla

Investors lose more money hedging to the downside than any other decision they make. I would recommend hedging to the upside. Markets are trading at nice discounts right now.

tvubpwcisla

The reason the stock market is up is because there are still discounts on really good equities from the all time highs.

tvubpwcisla

Congrats, I think you made a great choice and will sleep well at night.

tvubpwcisla

Very smart move by Vanguard. They need to focus on investing, optimizing their index funds, lowering costs for investors, and keeping their eye on the money ball. I love and support this strategic move!

tvubpwcisla

Markets are still trading at a huge discount from the all time highs. Expect more gains to come!

tvubpwcisla

I recommend investing as if Covid is not an issue. It will go away and it is not the end of the world. Stay invested at all times and don't jump in and out of the market based on news and world events. Stay the coarse!

tvubpwcisla

How ESG Makes Companies Better New research shows that companies that adhere to positive environmental, social and governance (ESG) principles have lower costs of capital, higher valuations, are less vulnerable to systemic risks and are more profitable. But beware; those higher valuations translate...

tvubpwcisla

Would you consider a deferred annuity product at Fidelity (low fees) if it grew tax free? Only taxed when you take it out at retirement. https://www.fidelity.com/annuities/FPRA-variable-annuity/video Thanks! The only time it grows "tax free" is if you do it inside a Roth IRA. Variable ann...

tvubpwcisla

Would you consider a deferred annuity product at Fidelity (low fees) if it grew tax free? Only taxed when you take it out at retirement.

https://www.fidelity.com/annuities/FPRA ... uity/video

Thanks!

tvubpwcisla

Fidelity has rolled out some new actively managed ETF's. My question is, "Would these help increase the returns on a three fund portfolio or is it best to ignore these new ETFs and stick with unmanaged funds?"

https://www.fidelity.com/etfs/different-types-of-etfs

Thanks!

tvubpwcisla

Since most of the wealth is transferred during market corrections and large crashes, I would say high volatility gives better returns. Whatever you do, don't panic and sell! Stay in the game at all times.

tvubpwcisla

Several things for me:

Regular maintenance of landscaping
Premium gasoline
High end designer clothing brands
Trading fees and commissions

tvubpwcisla

Do not interact with the other party. Let your own legal counsel handle everything. j :happy ^ Great advice! In fact, that is probably the most important thing you can do right now. If you have not already done so, stop talking immediately and do not have contact with the other driver directly.

tvubpwcisla

I would go 30 and make an extra payment when I get a bonus, etc...Can pay off in 15 years or sooner. You may decide to delay paying it off with rates so low!

tvubpwcisla

What is a good mini Fridge / Freezer that has an Auto Defrost feature built in?

Something between 3 and 5 cubic feet; on the small side.

Thanks!

tvubpwcisla

KeyPass works great and is very simple to use.

https://keepass.info/

tvubpwcisla

The Lexus has my vote.

tvubpwcisla

Why do just the three fund portfolio? Why not do both? In fact there is nothing wrong with doing the three fund portfolio, individual equities, and also having a managed account with small fees all at the same time. Investing doesn't have to be an all or none strategy.

tvubpwcisla

I am currently planning to start taking Social Security benefits at the full retirement age of 67.

At what age did you start taking SS and does it really matter in the grand scheme of things?

tvubpwcisla

Buy the house you can afford to stay in if your income was $0.

tvubpwcisla

I invest because I want to keep up with inflation and I also understand that if I don't invest I will most likely run out of money.

I am investing for retirement and to leave money for others.

tvubpwcisla

After reading through the thread, I decided to make an investment in the WisdomTree company itself. Looks like a great deal at just a few dollars a share and paying a nice 3.5% dividend.

NASDAQ: WETF
https://www.wisdomtree.com/

Thanks for all the information on the company!

tvubpwcisla

Yes. You should adjust to an allocation that does not give you anxiety. No amount of money is worth feeling anxious about your investments. If that's 1% stocks and 99% bonds, do it. You know why? Because if the market goes down you won't touch it and that in and of itself might save your retirement....

tvubpwcisla

Yikes! May be time to put the satellite dish back up!

tvubpwcisla

Some positives would be: - A small motor home is something you can keep for the rest of your life if you take good care of it. - You can save thousands of dollars that you would have spent in hotel accommodations. Granted there will be maintenance on the RV but I think it would be less than hotels. ...

tvubpwcisla

No, that is just silly. No allocation is dead. 60/40 is just fine and I see nothing wrong with it.

tvubpwcisla

mrspock wrote: ↑Thu Jul 02, 2020 3:33 am Futures are up. After all, it would only be appropriate to head into the Independence Day long weekend, with US equities continuing to SOAR!

Yes! That would be great. Hoping for another 1.0 - 1.5% higher to close out the week.

Search found 542 matches