Search found 1651 matches

by dru808
Mon Dec 25, 2023 4:00 pm
Forum: Investing - Theory, News & General
Topic: A Christmas Message
Replies: 140
Views: 14659

Re: A Christmas Message

Wow, here’s to 99 Christmas celebrations :sharebeer
by dru808
Mon Apr 03, 2023 12:10 am
Forum: Personal Investments
Topic: How much do you keep in true cash vs cash equivalents?
Replies: 73
Views: 9427

Re: How much do you keep in true cash vs cash equivalents?

Our checking account might have $4k at most at any time. The rest of our cash is in our brokerage account at fidelity in spaxx. It is a no brainer.
by dru808
Fri Feb 24, 2023 1:29 am
Forum: Personal Investments
Topic: Can't contribute to SEP for prior tax year on Fidelity!
Replies: 9
Views: 1121

Re: Can't contribute to SEP for prior tax year on Fidelity!

What if you made contributions for 2022 during 2022 and come tax filing time you find you can contribute more, say an extra $4k? The $4k is going to be mixed/totaled with your now 2023 contributions. Is this an issue or can I report/dissect what was contributed to which year, regardless of the 2023 $ amount reported and sent as a 2023 contribution from the broker to the irs?
by dru808
Thu Dec 08, 2022 10:30 pm
Forum: Investing - Theory, News & General
Topic: The Dave Ramsey Stock Portfolio: Done Boglehead Style?
Replies: 154
Views: 19874

Re: The Dave Ramsey Stock Portfolio: Done Boglehead Style?

Growth=mid cap

Growth and income=large cap

Aggressive growth=small cap
by dru808
Sun Feb 13, 2022 11:04 pm
Forum: Personal Investments
Topic: 18 to 100 percent annual return fund
Replies: 223
Views: 42029

Re: 18 to 100 percent annual return fund

Hi, One of my acquaintance referred me to this guy for investment. This financial guru who runs his own fund is claiming that he generates up to 100 percent annual return with his option strategy and that too consistently and without a risk of loss. He says less than 20% annual return is really bad. Is it possible? Am I missing something here? I have never seen such a confident financial guru before. Also I have never heard about his company before. Have you? https://www.youtube.com/watch?v=lXsvLwzVyxw https://nanbanenterprise.com/meet-gk/ 100% has a fairly decent risk of loss. Those are pretty risky options. I think i can do 20 percent with a similar risk profile compared to owning sp500 using naked puts and credit spreads if i was very c...
by dru808
Sun Feb 13, 2022 1:44 pm
Forum: Personal Investments
Topic: Index Fund Purchase
Replies: 28
Views: 2246

Re: Index Fund Purchase

Please tell us the reason you regret the purchase.
by dru808
Wed Feb 02, 2022 7:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2139681

Re: U.S. stocks continue to soar!

My growth & income fund was up big time today. Yeee doggie!
by dru808
Sat Jan 15, 2022 7:26 pm
Forum: Investing - Theory, News & General
Topic: Robinhood Recurring Investments (automated stock/ETF buys)
Replies: 2
Views: 569

Re: Robinhood Recurring Investments (automated stock/ETF buys)

Fidelity reps have been saying they’ll “pass on this feedback” for years.
by dru808
Fri Jan 14, 2022 3:16 pm
Forum: Personal Investments
Topic: RISR-FolioBeyond Rising Rates ETF
Replies: 7
Views: 647

Re: RISR-FolioBeyond Rising Rates ETF

asset_chaos wrote: Fri Jan 14, 2022 3:02 pm The 1% expense ratio disqualifies it from consideration. On the other hand, the fund says its strategy is “quantamental”. So you know what you're getting for your 1%.-)
If it can quantum leap into the future, it may well be worth the 1% expense.
by dru808
Fri Jan 14, 2022 12:58 pm
Forum: Personal Investments
Topic: Move SPY to VOO
Replies: 16
Views: 1581

Re: Move SPY to VOO

I’m pretty sure it’s been 9 bp it’s entire existence.
by dru808
Fri Jan 14, 2022 12:04 pm
Forum: Personal Investments
Topic: Move SPY to VOO
Replies: 16
Views: 1581

Re: Move SPY to VOO

Did spy really go up in er?
by dru808
Sat Jan 08, 2022 2:45 pm
Forum: Investing - Theory, News & General
Topic: If SS covers basic expenses why hold bonds?
Replies: 142
Views: 12687

Re: If SS covers basic expenses why hold bonds?

KlangFool wrote: Sat Jan 08, 2022 2:12 pm OP,

100/0 has a higher expected return. But, real world does not have to meet expectation. Pick a number between 70/30 to 30/70 instead.

KlangFool
I’ve seen you mention this allocation many times. Why do you recommend this? I know Nenjamin Graham recommends 75/25-25/75, is your suggestion based on his recommendation?
by dru808
Wed Jan 05, 2022 9:56 pm
Forum: Investing - Theory, News & General
Topic: Index fund clue on Jeopardy, no one got it right
Replies: 8
Views: 1382

Re: Index fund clue on Jeopardy, no one got it right

pizzy wrote: Wed Jan 05, 2022 9:53 pm
obafgkm wrote: Wed Jan 05, 2022 9:52 pm What was the meaning of the category title: "Hand-y Responses"? How did it relate to this particular question?
Index finger
👏
by dru808
Tue Jan 04, 2022 8:09 pm
Forum: Investing - Theory, News & General
Topic: Morningstar Beta
Replies: 2
Views: 396

Re: Morningstar Beta

It says I don’t have authorization. What’s different from their regular site?
by dru808
Mon Jan 03, 2022 11:52 pm
Forum: Investing - Theory, News & General
Topic: How did you stay calm during periods of market volatility?
Replies: 133
Views: 11428

Re: How did you stay calm during periods of market volatility?

You could stop paying attention to the Schiller P/E ratio for one. the doom and gloom on the news has been a regular occurrence since the Great Depression I’d bet.
by dru808
Mon Jan 03, 2022 10:46 pm
Forum: Personal Consumer Issues
Topic: $1,000 for Antibiotic !!!
Replies: 79
Views: 8038

Re: $1,000 for Antibiotic !!!

BogleFan510 wrote: Mon Jan 03, 2022 10:23 pm People here have multi million dollar portfolios and would risk serious health issues over $1000? People pay that for a spa day or a variety of 'holistic cures'. E.g. I know better than the best medical experts because of Google.

We know nothing about the family members portfolio.
by dru808
Mon Jan 03, 2022 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: bringing money out of the country
Replies: 14
Views: 1157

Re: bringing money out of the country

Marseille07 wrote: Mon Jan 03, 2022 7:00 pm
wahnfried wrote: Mon Jan 03, 2022 6:55 pm
Sandtrap wrote: Mon Jan 03, 2022 6:51 pm Open a brokerage account at a brokerage that is accessible at your destination.

How much do you have to deal with?

Or BTC, PayPal, etc.
j🌺
appreciate the replies!
several million
I do not recommend BTC. https://www.palmbeachgroup.com/palm-bea ... e-savings/

This person transferred his money to a rogue exchange and never saw 422K. Yes, some of that is bad luck but no need to risk it.
You could totally negate that issue by not transferring to any exchanges.
by dru808
Mon Jan 03, 2022 6:44 pm
Forum: Personal Investments
Topic: Conservative investor looking for aggressive portfolio
Replies: 17
Views: 1551

Re: Conservative investor looking for aggressive portfolio

Not sure why people think housing prices will crash. Has it happened any time in modern history other than the Great Depression and 08?
by dru808
Mon Jan 03, 2022 6:17 pm
Forum: Personal Investments
Topic: Fid tot international question
Replies: 11
Views: 832

Re: Fid tot international question

They follow different indexes,?
by dru808
Mon Jan 03, 2022 2:05 pm
Forum: Personal Consumer Issues
Topic: Oddly Difficult to Find Items During the Pandemic
Replies: 572
Views: 76512

Re: Oddly Difficult to Find Items During the Pandemic

Sugar free Red Bull has been scarce for a month or so.
by dru808
Mon Jan 03, 2022 1:55 pm
Forum: Personal Investments
Topic: Self-employed, where should I invest monthly?
Replies: 9
Views: 612

Re: Self-employed, where should I invest monthly?

A sep ira is a simple solution and the one I use.

Edit: I see you have an employee. Your business would have to contribute the same percentage to your employee as you.
by dru808
Sun Jan 02, 2022 10:05 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 1177
Views: 205665

Re: Year 2000 retirees using the '4% rule' - Where are they now?

Quite reassuring, they could’ve done 5% inflation adjusted comfortably, looking back of course. :D :oops: They could have done it, but it wouldn't be comfortable. Their inflation-adjusted portfolio balance right now would only be $256k, only five years of spending remaining with 0% real returns. They almost certainly would not make it to the 30 year mark. That’s weird, I input $1 million with an inflation adjusted 50k initial withdrawal, ending up with $1.6 million. That's definitely wrong, and I'm not sure how you obtained that result. I thought that you might have selected 5% as an ongoing percentage of the portfolio to be withdrawn each year, resulting in withdrawals that can go up or down significantly from year to year. But doing so w...
by dru808
Sun Jan 02, 2022 9:56 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 1177
Views: 205665

Re: Year 2000 retirees using the '4% rule' - Where are they now?

willthrill81 wrote: Sun Jan 02, 2022 9:46 pm
dru808 wrote: Sun Jan 02, 2022 9:07 pm Quite reassuring, they could’ve done 5% inflation adjusted comfortably, looking back of course. :D :oops:
They could have done it, but it wouldn't be comfortable. Their inflation-adjusted portfolio balance right now would only be $256k, only five years of spending remaining with 0% real returns. They almost certainly would not make it to the 30 year mark.
That’s weird, I input $1 million with an inflation adjusted 50k initial withdraw, ending up with $1.3 million.

Edit. With inflation adjusted “clicked on withdraw & on the chart”. Lowest drawdown was $976k.
by dru808
Sun Jan 02, 2022 9:07 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 1177
Views: 205665

Re: Year 2000 retirees using the '4% rule' - Where are they now?

Quite reassuring, they could’ve done 5% inflation adjusted comfortably, looking back of course. :D :oops:
by dru808
Sat Jan 01, 2022 3:45 am
Forum: Personal Investments
Topic: Using SBLOC proceeds on Crypto? [Securities-Backed Lines of Credit]
Replies: 5
Views: 756

Re: Using SBLOC proceeds on Crypto?

Crypto talk isn’t allowed on bogleheads.
by dru808
Sat Jan 01, 2022 3:03 am
Forum: Investing - Theory, News & General
Topic: International in 2022 -- yay or nay? [Developed and Emerging markets]
Replies: 324
Views: 25096

Re: International in 2022 -- yay or nay?

I’m holding intl small cap developed and emerging, no large cap intl for me.
by dru808
Thu Dec 30, 2021 3:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2139681

Re: U.S. stocks continue to soar!

Hyperchicken wrote: Thu Dec 30, 2021 3:27 pm
456M wrote: Thu Dec 30, 2021 3:25 pm
dru808 wrote: Thu Dec 30, 2021 3:22 pm Huh?
Must be the time zone difference, but for whatever reason it shows S&P at 0 for me lol
I am pretty sure S&P was indeed 0 on January 1st, 1.
Had no idea bogleheads was that old.
by dru808
Thu Dec 30, 2021 3:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2139681

Re: U.S. stocks continue to soar!

456M wrote: Thu Dec 30, 2021 3:07 pm Loos like we have a new leader lol

Image
Huh?
by dru808
Mon Dec 27, 2021 7:41 pm
Forum: Personal Investments
Topic: Value? Value? Value!
Replies: 14
Views: 2288

Re: Value? Value? Value!

I have a slight large value tilt.

32 39 15
6 6 2
0 0 0
by dru808
Sun Dec 26, 2021 8:47 pm
Forum: Personal Investments
Topic: Vanguard: bank not authorized?
Replies: 7
Views: 3830

Re: Vanguard: bank not authorized?

Was the Roth created after the linked account was attached to your taxable or traditional ira?
by dru808
Sun Dec 26, 2021 6:47 pm
Forum: Personal Investments
Topic: What is your robo performance YTD?
Replies: 10
Views: 1944

Re: What is your robo performance YTD?

quadog wrote: Sun Dec 26, 2021 11:36 am My 2021 summary:
  1. Schwab (SIP)
  2. +20%
  3. Prefs set to favor stocks over bonds and domestic over international. Algo appears to tilt toward SCV.
Curious, when you select the “US preferred over Intl”. what is the allocation between the two? I’ve looked out of curiosity and haven’t found the answer.
by dru808
Thu Dec 23, 2021 9:38 pm
Forum: Personal Investments
Topic: Premarital assets in a retirement account
Replies: 42
Views: 7296

Re: Premarital assets in a retirement account

UKFred wrote: Thu Dec 23, 2021 5:31 pm If you are having to think this much about something that’s clearly very important to you, but your fiance(?) is shutting you down, perhaps the question you should be asking is if you should get married.
🙌 🎉 Bravo
by dru808
Wed Dec 22, 2021 7:49 pm
Forum: Personal Investments
Topic: What is happening with TRBCX (TRP Blue Chip Growth)?
Replies: 35
Views: 3751

Re: What is happening with TRBCX (TRP Blue Chip Growth)?

That’s the chance you take with a single fund manager. If I was going active, I think I’d prefer the system American Funds/Capital Group uses.
by dru808
Sun Dec 19, 2021 12:01 pm
Forum: Personal Investments
Topic: Mid 30's, worked hard-made money, now what?
Replies: 37
Views: 5852

Re: Mid 30's, worked hard-made money, now what?

I haven’t gone a day without medical insurance in my entire adult life. The premiums paid were more than made up for by a literal-back breaking accident back in 06.
by dru808
Thu Dec 16, 2021 10:48 pm
Forum: Investing - Theory, News & General
Topic: Reddit Files for IPO ($15 Billion)
Replies: 89
Views: 9375

Re: Reddit Files for IPO ($15 Billion)

Triple digit golfer wrote: Thu Dec 16, 2021 8:48 pm
fwellimort wrote: Thu Dec 16, 2021 8:44 pm
Triple digit golfer wrote: Thu Dec 16, 2021 8:40 pm Really? Am I the rare bird here? I don't think I've ever used it, nor do I know anybody who has ever mentioned it. In fact, I don't think I've ever spoken the word "Reddit" or heard anybody else say it.
It's the 20th most visited site in the world: https://www.similarweb.com/top-websites/

Quite something considering Netflix, corn-hub, and LinkedIn is 14th, 17th, and 24th most visited respectively around the world.
I assume you know the above companies quite well. Reddit is certainly up there in internet traffic with those companies.
Wow. I wonder how the rankings are for people over about 30 or 35.

Yes, I use all three of those all the time except Netflix and LinkedIn.
Lol :sharebeer
by dru808
Thu Dec 16, 2021 9:06 pm
Forum: Investing - Theory, News & General
Topic: WisdomTree GDMN: 90% gold + 90% gold miners ETF
Replies: 18
Views: 2374

Re: WisdomTree GDMN: 90% gold + 90% gold miners ETF

nisiprius wrote: Thu Dec 16, 2021 8:58 pm I found a web page entitled WisdomTree Model Portfolio Strategies: Holdings.

There are two of them. The "Global Equity portfolio" contains no specific gold-related holdings at all.

The "Longevity portfolio"
  • Contains no GDMN.
  • has a very small (3%) exposure to gold bullion in the form of GLDM, SPDR Gold Minishares Trust
  • contains no specific allocation to precious metals equity (gold miners) beyond whatever happens to be included the broad stock holdings.
The actual portfolio composition is:

Image

I think that if WisdomTree isn't using it in its own model portfolios, that should be at least a yellow flag.
To be fair, that was put out in August.
by dru808
Thu Dec 16, 2021 3:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4684965

Re: U.S. stocks in free fall

The broad market may have been down but my good growth and income mutual fund was up quite nicely. This may be the beginning of the rotation from growth to growth and income. :beer
by dru808
Wed Dec 15, 2021 3:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2139681

Re: U.S. stocks continue to soar!

willthrill81 wrote: Wed Dec 15, 2021 3:49 pm
Triple digit golfer wrote: Wed Dec 15, 2021 3:34 pm
dru808 wrote: Wed Dec 15, 2021 3:25 pm Whoa! What a great day for my, good, growth stock mutual fund!
For clarification, is that your growth, aggressive growth, or growth and income mutual fund?
In this case, I'll bet the answer is 'yes'.
😂
by dru808
Wed Dec 15, 2021 3:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2139681

Re: U.S. stocks continue to soar!

Whoa! What a great day for my, good, growth stock mutual fund!
by dru808
Mon Dec 13, 2021 9:44 pm
Forum: Personal Investments
Topic: Rollover or not?
Replies: 2
Views: 389

Re: Rollover or not?

I’d roll it to the new 401k. This is assuming the vanguard 401k has cheaper funds and you don’t have some sort of 7% guaranteed fund in the 403. I’m also a fan of consolidation. I wouldn’t roll it to an ira, early retirement at 55 would allow you to pull from the 401 if you separate from your employer at 55.
by dru808
Sun Dec 12, 2021 2:49 pm
Forum: Investing - Theory, News & General
Topic: Vgd VT vs VTI and VXUS [Vanguard Total World vs. Total Stock vs. Total International]
Replies: 18
Views: 9765

Re: Vgd VT vs VTI and VXUS

Rebalancing also has an affect. You probably set a 1 year rebalance between vti/vxus, vt is constantly rebalancing.

Edit: you already mentioned it in your op. :mrgreen:
by dru808
Sat Dec 11, 2021 5:05 pm
Forum: Personal Investments
Topic: OneAmerica retirement accounts
Replies: 5
Views: 764

Re: OneAmerica retirement accounts

The index lifecyles seem perfectly reasonable.
by dru808
Sat Dec 11, 2021 1:54 pm
Forum: Personal Consumer Issues
Topic: Cash or Finance Solar
Replies: 13
Views: 1020

Re: Cash or Finance Solar

squirm wrote: Sat Dec 11, 2021 1:18 pm Personally i hate debt, i pay cash.
+1 :sharebeer
by dru808
Sat Dec 11, 2021 1:40 pm
Forum: Personal Investments
Topic: Millennium Trust Company ,VALIC stable value fund
Replies: 7
Views: 1622

Re: Millennium Trust Company ,VALIC stable value fund

aruba joe wrote: Sat Dec 11, 2021 4:34 am This IRA would be for short term money needed for RMD's over next 2 years. My main IRA is with FIDO.
Stable value funds aren’t available in IRA’s. Did this salesperson tell you otherwise?