Search found 1651 matches
- 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
- 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.
- 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?
- 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
Growth and income=large cap
Aggressive growth=small cap
- Sat Mar 05, 2022 9:11 pm
- Forum: Personal Consumer Issues
- Topic: What do you stock up on when you come across a great deal?
- Replies: 138
- Views: 11227
Re: What do you stock up on when you come across a great deal?
.25 & .30 cal pellets.
- 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...
- 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.
- 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!
- 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.
- 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
If it can quantum leap into the future, it may well be worth the 1% expense.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%.-)
- 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.
- 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?
- 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?
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?
- 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
- 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?
- 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.
- 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.
- 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
You could totally negate that issue by not transferring to any exchanges.Marseille07 wrote: ↑Mon Jan 03, 2022 7:00 pmI 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.
- 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?
- 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,?
- 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.
- 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.
Edit: I see you have an employee. Your business would have to contribute the same percentage to your employee as you.
- 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...
- 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?
That’s weird, I input $1 million with an inflation adjusted 50k initial withdraw, ending up with $1.3 million.willthrill81 wrote: ↑Sun Jan 02, 2022 9:46 pmThey 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.
Edit. With inflation adjusted “clicked on withdraw & on the chart”. Lowest drawdown was $976k.
- Sun Jan 02, 2022 9:15 pm
- Forum: Personal Investments
- Topic: 70 y.o. with a 20x portfolio wanting it to last until 90
- Replies: 16
- Views: 2901
Re: 70 y.o. with a 20x portfolio wanting it to last until 90
The Wellesley mutual fund.
- 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.
- 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.
- Sat Jan 01, 2022 3:09 am
- Forum: Personal Investments
- Topic: How to manage target retirement fund in taxable account
- Replies: 15
- Views: 1877
- 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.
- Fri Dec 31, 2021 8:05 pm
- Forum: Investing - Theory, News & General
- Topic: Official Registration For The 2022 Boglehead Contest
- Replies: 733
- Views: 42422
- 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!
Had no idea bogleheads was that old.
- Thu Dec 30, 2021 3:22 pm
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks continue to soar!
- Replies: 22381
- Views: 2139681
- 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
32 39 15
6 6 2
0 0 0
- 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?
- 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?
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.
- Thu Dec 23, 2021 9:38 pm
- Forum: Personal Investments
- Topic: Premarital assets in a retirement account
- Replies: 42
- Views: 7296
- 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.
- 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.
- 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)
LolTriple digit golfer wrote: ↑Thu Dec 16, 2021 8:48 pmWow. I wonder how the rankings are for people over about 30 or 35.fwellimort wrote: ↑Thu Dec 16, 2021 8:44 pmIt's the 20th most visited site in the world: https://www.similarweb.com/top-websites/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.
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.
Yes, I use all three of those all the time except Netflix and LinkedIn.
- 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
To be fair, that was put out in August.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"
The actual portfolio composition is:
- 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.
I think that if WisdomTree isn't using it in its own model portfolios, that should be at least a yellow flag.
- 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.
- 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 pmIn this case, I'll bet the answer is 'yes'.Triple digit golfer wrote: ↑Wed Dec 15, 2021 3:34 pmFor clarification, is that your growth, aggressive growth, or growth and income mutual fund?
- 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!
- Tue Dec 14, 2021 12:12 am
- Forum: Investing - Theory, News & General
- Topic: Schwab Rebuts Recent Critiques of Index Investing
- Replies: 1
- Views: 525
- 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.
- Sun Dec 12, 2021 10:14 pm
- Forum: Personal Investments
- Topic: Help me understand Backdoor and Mega backdoor Roth IRA
- Replies: 37
- Views: 3584
Re: Help me understand Backdoor and Mega backdoor Roth IRA
Edit. I missed your post
- 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.
Edit: you already mentioned it in your op.
- 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.
- Sat Dec 11, 2021 1:54 pm
- Forum: Personal Consumer Issues
- Topic: Cash or Finance Solar
- Replies: 13
- Views: 1020
- Sat Dec 11, 2021 1:40 pm
- Forum: Personal Investments
- Topic: Millennium Trust Company ,VALIC stable value fund
- Replies: 7
- Views: 1622