Search found 7936 matches

by arcticpineapplecorp.
Tue Jun 15, 2021 9:11 pm
Forum: Personal Investments
Topic: Trying to establish my asset allocation
Replies: 28
Views: 2161

Re: Trying to establish my asset allocation

I am 36, my marginal tax rate is 35%, I am a disciplined investor with patience and risk tolerance. What percentage of my portfolio should be in bonds? if you didn't sell a single stock holding last year between Feb and March, I'm inclined to believe you have risk tolerance. Many people think there...
by arcticpineapplecorp.
Tue Jun 15, 2021 8:25 pm
Forum: Investing - Theory, News & General
Topic: What was it like to index during the Lost Decade (1999-2009)?
Replies: 45
Views: 3434

Re: What was it like to index during the Lost Decade (1999-2009)?

I believe a decade starts with 00 and ends with 99. That's 10 years. So the "lost decade" was 2000-2009, not 1999-2009. Oh, if it were only that simple. You both might be wrong but there is much to disagree about: In a recent YouGov survey, 64% of Americans said the next decade will begin...
by arcticpineapplecorp.
Tue Jun 15, 2021 8:14 pm
Forum: Personal Investments
Topic: Teenager new to the job market
Replies: 8
Views: 678

Re: Teenager new to the job market

Hi, my 16-year-old just got a job and has been listening to me extol the virtues of investing early and often. My question is, what is the best way for a 16 year old to start allocating some of his paycheck towards a retirement account? And if a simple IRA is the route to go, what happens to this o...
by arcticpineapplecorp.
Tue Jun 15, 2021 3:32 pm
Forum: Investing - Theory, News & General
Topic: What was it like to index during the Lost Decade (1999-2009)?
Replies: 45
Views: 3434

Re: What was it like to index during the Lost Decade (1999-2009)?

I believe a decade starts with 00 and ends with 99. That's 10 years. So the "lost decade" was 2000-2009, not 1999-2009. you'd have made 21% from 1999-2009 (http://quotes.morningstar.com/chart/fund/chart?t=VTSAX&dataParams=%7B%22zoomKey%22%3A11%2C%22version%22%3A%22US%22%2C%22showNav%22...
by arcticpineapplecorp.
Tue Jun 15, 2021 3:08 pm
Forum: Personal Investments
Topic: How to Get my Relatives Out of Edward Jones
Replies: 54
Views: 3080

Re: How to Get my Relatives Out of Edward Jones

I wouldnt say determined to give advice, well maybe a little lol, but determined to give them the tools they need to make informed decisions other than " man you should put all your money in EJ and it doesnt cost all that much!" They are family and I want them to know there very well may ...
by arcticpineapplecorp.
Tue Jun 15, 2021 3:07 pm
Forum: Personal Investments
Topic: How to Get my Relatives Out of Edward Jones
Replies: 54
Views: 3080

Re: How to Get my Relatives Out of Edward Jones

Both of the older gentleman I golf with occasionally are happily retired while having paid Edwards Jones' fee structures their entire working careers. You make it sound like they will eventually be destitute. Advisors cost money, some more some less. Some do more than choose investments. I'd person...
by arcticpineapplecorp.
Tue Jun 15, 2021 2:24 pm
Forum: Personal Investments
Topic: How to Get my Relatives Out of Edward Jones
Replies: 54
Views: 3080

Re: How to Get my Relatives Out of Edward Jones

Boglegrappler wrote: Tue Jun 15, 2021 9:44 am Bogle's Book the Little Book of Common Sense Investing has some graphs that show the long term cumulative effect of excessive fees. It is an impressive effect, and will get your attention if you care to pay attention at all.
Image
by arcticpineapplecorp.
Tue Jun 15, 2021 12:05 pm
Forum: Investing - Theory, News & General
Topic: Vectors June 2021
Replies: 0
Views: 170

Vectors June 2021

Another good read from George Sistri. Vectors June 2021: https://oncoursefp.com/images/Vectors%20June%2021%20final.pdf lots of gems in this one: Have A Plan Shun complexity and embrace simplicity Be content with market equaling returns Most stocks underperform the market Understand the function of b...
by arcticpineapplecorp.
Mon Jun 14, 2021 9:29 pm
Forum: Personal Investments
Topic: How to tilt away from possible bubbles in mega-cap growth stocks
Replies: 26
Views: 1789

Re: How to tilt away from possible bubbles in mega-cap growth stocks

https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2900447 A landmark academic study that came out a few years ago reached a startling conclusion: This 10% return could be traced to fewer than 4% of all public companies. On average, the stocks of the other 96% returned about 3% a year, similar to t...
by arcticpineapplecorp.
Mon Jun 14, 2021 7:47 pm
Forum: Personal Investments
Topic: Its time to tilt back to a more conservative allocation
Replies: 30
Views: 2434

Re: Its time to tilt back to a more conservative allocation

Am I wrong? Attach a date range and a specific target and we can check in hind sight. Impossible to say in advance without a crystal ball. Personally, I've been expecting a crash for several years now (we did get one last year... but that recovered way faster than I was expecting). Glad I have stuc...
by arcticpineapplecorp.
Mon Jun 14, 2021 7:45 pm
Forum: Personal Investments
Topic: Its time to tilt back to a more conservative allocation
Replies: 30
Views: 2434

Re: Its time to tilt back to a more conservative allocation

Attach a date range and a specific target and we can check in hind sight. Impossible to say in advance without a crystal ball. Personally, I've been expecting a crash for several years now (we did get one last year... but that recovered way faster than I was expecting). Glad I have stuck to my Asse...
by arcticpineapplecorp.
Mon Jun 14, 2021 3:29 pm
Forum: Personal Investments
Topic: Its time to tilt back to a more conservative allocation
Replies: 30
Views: 2434

Re: Its time to tilt back to a more conservative allocation

what does your IPS tell you to do? https://www.bogleheads.org/wiki/Investment_policy_statement if you don't have an IPS, you will be changing your allocation everytime you read some article. when you have an IPS you have a predetermined allocation that allows you to take only the risk you have the n...
by arcticpineapplecorp.
Mon Jun 14, 2021 1:51 pm
Forum: Investing - Theory, News & General
Topic: quick I need a source
Replies: 6
Views: 643

Re: quick I need a source

not sure if this answers your question but...

Image

don't forget, there's also this:

Image
by arcticpineapplecorp.
Mon Jun 14, 2021 10:39 am
Forum: Investing - Theory, News & General
Topic: Worried About PE Ratios?
Replies: 64
Views: 3787

Re: Worried About PE Ratios?

Many recent posts about high PE ratios. This is rarely a predictor of the future (and CAPE PE10 even less so). Keep in mind that May/June 2009 PEs topped out over 100 - this was one of the best opportunities to buy. During the entire ride up, CAPE PE10 Robert Shiller has bemoaned the overvalued sto...
by arcticpineapplecorp.
Mon Jun 14, 2021 7:22 am
Forum: Personal Investments
Topic: How to Protect Savings from stock market crash
Replies: 23
Views: 2549

Re: How to Protect Savings from stock market crash

That JP Morgan chart is ludicrous. They should have shown "Missed the best 10 days and the 10 worst days ", etc. for a meaningful example. guess 9 out of 10 then ain't half bad. well the worst days are often around the best days (see below) so if you stay the course you usually recover bu...
by arcticpineapplecorp.
Sun Jun 13, 2021 8:42 pm
Forum: Personal Investments
Topic: How & Should I DCA 200K windfall right now?
Replies: 23
Views: 2092

Re: How & Should I DCA 200K windfall right now?

I could start DCA’ing it into the market, but I’ll be DCA’ing anyway with what I save from my salary. This “doubling up” does admittedly feel a bit weird, almost like I should do some more creative asset allocation to minimize risk. These thoughts led me to another idea: perhaps putting half or a t...
by arcticpineapplecorp.
Sun Jun 13, 2021 8:29 pm
Forum: Personal Investments
Topic: How to Protect Savings from stock market crash
Replies: 23
Views: 2549

Re: How to Protect Savings from stock market crash

That JP Morgan chart is ludicrous. They should have shown "Missed the best 10 days and the 10 worst days ", etc. for a meaningful example. guess 9 out of 10 then ain't half bad. well the worst days are often around the best days (see below) so if you stay the course you usually recover bu...
by arcticpineapplecorp.
Sun Jun 13, 2021 8:22 pm
Forum: Personal Investments
Topic: How to Protect Savings from stock market crash
Replies: 23
Views: 2549

Re: How to Protect Savings from stock market crash

1. first define what you mean by "crash". is it 20%? 30%? 40%? 50%? What exactly? Important to know because if you think a crash is when the market falls 20% that's very different from what others might consider a "crash". 2. realize you can make 4 types of errors by trying to ma...
by arcticpineapplecorp.
Sun Jun 13, 2021 8:01 pm
Forum: Personal Investments
Topic: Should niece focus on Roth or Defined benefit or both?
Replies: 3
Views: 480

Re: Should niece focus on Roth or Defined benefit or both?

if she looks into PSLF or TLF and that lowers the amount of her monthly student loan payment (and then remaining balance after 10 years would be forgiven/no tax owed on amount forgiven) then she'd have additional money to put towards Roth (after doing Defined benefit first to get the tax deduction w...
by arcticpineapplecorp.
Sat Jun 12, 2021 10:11 pm
Forum: Personal Investments
Topic: Managed bond accounts
Replies: 8
Views: 758

Re: Managed bond accounts

If tax loss harvesting is the main benefit and selling point, I don't see how the numbers work out. Maybe my grasp of the tax code is tenuous, and someone more knowledgeable will correct me. But what I see is 0.45% of 1.2 million = $5400 management cost a year, every year. My understanding is that ...
by arcticpineapplecorp.
Sat Jun 12, 2021 10:09 pm
Forum: Personal Investments
Topic: Where to park 130k for 6 months
Replies: 39
Views: 3513

Re: Where to park 130k for 6 months

Equities. Leave half in Ally and put the other half in your favorite vanilla equity etf or stock. I like a blue chip dividend stock for this purpose. It’s what I did. You would also be just fine with SPY in my view. Six months is not a long enough time horizon for a stock investment, in my opinion ...
by arcticpineapplecorp.
Sat Jun 12, 2021 8:32 pm
Forum: Personal Investments
Topic: Where to park 130k for 6 months
Replies: 39
Views: 3513

Re: Where to park 130k for 6 months

All of that said, we now have 130k sitting in our Ally account earning 0.50%. The plan is to hold off on any backyard work until we are done with the interior of the house (in case of change orders, or other things that come up). So basically, we sitting on this money for the next 6 months. Keeping...
by arcticpineapplecorp.
Wed Jun 09, 2021 1:42 pm
Forum: Personal Investments
Topic: Tracking AA/rebalancing
Replies: 7
Views: 823

Re: Tracking AA/rebalancing

https://www.bogleheads.org/wiki/Using_a_spreadsheet_to_maintain_a_portfolio https://www.bogleheads.org/forum/viewtopic.php?t=297892 https://www.bogleheads.org/forum/viewtopic.php?t=217080 https://www.bogleheads.org/forum/viewtopic.php?t=106505 https://www.bogleheads.org/forum/viewtopic.php?t=200045 ...
by arcticpineapplecorp.
Wed Jun 09, 2021 1:37 pm
Forum: Investing - Theory, News & General
Topic: BBerg: Pensions are almost fully funded and coming for your bonds
Replies: 12
Views: 1506

Re: BBerg: Pensions are almost fully funded and coming for your bonds

I can't read the article (behind paywall). Is it saying all US pensions or just corporate pensions are fully funded? If just the latter, I think this title should be revised to say " Corporate Pensions are almost fully funded and coming for your corporate bonds." When I look at the state ...
by arcticpineapplecorp.
Wed Jun 09, 2021 1:12 pm
Forum: Personal Consumer Issues
Topic: Wasp repellant?
Replies: 10
Views: 1058

Re: Wasp repellant?

we had the same problems. then I found a wasp decoy and have used them for the past 2 years with very good results. wasps are territorial and if they see what appears to be a significant nest they will set up their nests elsewhere (won't build where you are). The trick is to get it up early in the s...
by arcticpineapplecorp.
Wed Jun 09, 2021 1:07 pm
Forum: Investing - Theory, News & General
Topic: BBerg: Pensions are almost fully funded and coming for your bonds
Replies: 12
Views: 1506

Re: BBerg: Pensions are almost fully funded and coming for your bonds

I can't read the article (behind paywall). Is it saying all US pensions or just corporate pensions are fully funded? If just the latter, I think this title should be revised to say " Corporate Pensions are almost fully funded and coming for your corporate bonds." When I look at the state o...
by arcticpineapplecorp.
Tue Jun 08, 2021 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: the math is really off in this cnbc (and acorns) article regarding compounding interest
Replies: 3
Views: 858

the math is really off in this cnbc (and acorns) article regarding compounding interest

this clickbait article asked how much would you have for retirement if you saved $100 a week in your 401k: https://www.cnbc.com/2021/06/08/you-dont-have-to-pad-your-401k-to-save-enough-money-for-retirement.html the assumptions are: 1. you will start investing in your 401(k) at age 22 2. your investm...
by arcticpineapplecorp.
Tue Jun 08, 2021 1:26 pm
Forum: Investing - Theory, News & General
Topic: Growth to Value Rotation
Replies: 16
Views: 1240

Re: Growth to Value Rotation

often the value outperformance comes very quickly. If you're not holding value during those short quick bursts, you don't actually capture the premium. Often people give up on value because the underperformance relative to growth can occur for long periods of time, then investors bail and the premiu...
by arcticpineapplecorp.
Tue Jun 08, 2021 12:33 pm
Forum: Investing - Theory, News & General
Topic: Growth to Value Rotation
Replies: 16
Views: 1240

Re: Growth to Value Rotation

if you hold a total stock market index fund you have both value and growth so you don't have to worry about which is outperforming when. You've got it all. See here:

Image

and this

Image
by arcticpineapplecorp.
Tue Jun 08, 2021 11:01 am
Forum: Personal Investments
Topic: Pension buyout - take it or leave it
Replies: 18
Views: 1544

Re: Pension buyout - take it or leave it

if you go to www.immediateannuities.com and enter male, 73, state (unknown, I used mine) and immediate payment and $162,233 you get a lifetime monthly annuity of $1021. so it looks like he'd do better with the monthly pension than the buyout (10% better than the commercial annuity). Obviously, they ...
by arcticpineapplecorp.
Tue Jun 08, 2021 6:41 am
Forum: Personal Finance (Not Investing)
Topic: New York standard deduction and ABLE accounts
Replies: 3
Views: 307

Re: New York standard deduction and ABLE accounts

I am also not sure if any SSI payments are considered taxable income by NY, which alone could put him over even the higher standard deduction amount. For this reason I may open the NY ABLE account to avoid state taxation of a any earnings. There is another state (Virginia) that has a superior plan ...
by arcticpineapplecorp.
Mon Jun 07, 2021 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: New York standard deduction and ABLE accounts
Replies: 3
Views: 307

Re: New York standard deduction and ABLE accounts

I am also not sure if any SSI payments are considered taxable income by NY, which alone could put him over even the higher standard deduction amount. For this reason I may open the NY ABLE account to avoid state taxation of a any earnings. There is another state (Virginia) that has a superior plan ...
by arcticpineapplecorp.
Sun Jun 06, 2021 8:34 pm
Forum: Personal Consumer Issues
Topic: Hacking
Replies: 22
Views: 2238

Re: Hacking

She says that she has contacted the authorities, but she has not lost enough money to trigger a formal investigation . what does this even mean? What would constitute losing "enough"? What would not constitute enough? I would think any amount of money stolen would be enough to investigate...
by arcticpineapplecorp.
Sun Jun 06, 2021 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Worried about my Mom's investment
Replies: 28
Views: 2724

Re: Worried about my Mom's investment

did you read up on this advisor's ADV and ADV part 2? https://obliviousinvestor.com/checking-out-an-investment-adviser-form-adv-part-ii/ you find out all sorts of interesting things there. like any disclosures (settlements, complaints, etc), all the ways he can get paid (AUM, commission, etc), how ...
by arcticpineapplecorp.
Sun Jun 06, 2021 5:36 pm
Forum: Personal Investments
Topic: 457b Questions & Concerns
Replies: 8
Views: 752

Re: 457b Questions & Concerns

the target date is fine if you want the added diversification, or use the schwab pcra or you could put more of the small and mid and/or international if desired in your Roth IRA or taxable acct and use the 457 for the large cap.
by arcticpineapplecorp.
Sun Jun 06, 2021 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Worried about my Mom's investment
Replies: 28
Views: 2724

Re: Worried about my Mom's investment

did you read up on this advisor's ADV and ADV part 2? https://obliviousinvestor.com/checking-out-an-investment-adviser-form-adv-part-ii/ you find out all sorts of interesting things there. like any disclosures (settlements, complaints, etc), all the ways he can get paid (AUM, commission, etc), how m...
by arcticpineapplecorp.
Fri Jun 04, 2021 5:55 pm
Forum: Investing - Theory, News & General
Topic: Using a total stock fund and W/W to create 70/30
Replies: 6
Views: 980

Re: Using a total stock fund and W/W to create 70/30

I've been considering switching the bond portion of my tax advantaged account to an active fund such as Wellington or Wellesley. My desired allocation in these accounts is 70/30 so I'm considering 50/50 Wellesley/total stock market or 80/20 Wellington/total stock market. Both bring me to my desired...
by arcticpineapplecorp.
Fri Jun 04, 2021 11:07 am
Forum: Investing - Theory, News & General
Topic: Using a total stock fund and W/W to create 70/30
Replies: 6
Views: 980

Re: Using a total stock fund and W/W to create 70/30

I've been considering switching the bond portion of my tax advantaged account to an active fund such as Wellington or Wellesley. My desired allocation in these accounts is 70/30 so I'm considering 50/50 Wellesley/total stock market or 80/20 Wellington/total stock market. Both bring me to my desired...
by arcticpineapplecorp.
Fri Jun 04, 2021 10:45 am
Forum: Personal Investments
Topic: Need help choosing a bond fund in my 401
Replies: 7
Views: 665

Re: Need help choosing a bond fund in my 401

I have my 401 setup through Fidelity and I have access to the brokerage link so I can choose about any bond fund through their platform for my 401. I just don't know enough about bonds and interest rates to understand which fund is the best option going forward. I was going to use an inflation prot...
by arcticpineapplecorp.
Fri Jun 04, 2021 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Approaching my Bosses [would like to work from home]
Replies: 13
Views: 1420

Re: Approaching my Bosses

have you seen this post:
viewtopic.php?p=6032432#p6032432

you might get some ideas there.
by arcticpineapplecorp.
Thu Jun 03, 2021 8:17 pm
Forum: Personal Investments
Topic: Non-COLA Pension Modeler
Replies: 14
Views: 1519

Re: Non-COLA Pension Modeler

Unfortunately, I don't have a lump sum option, which I would choose otherwise. Before feeling left out...use immediateannuities.com and plug in your pension’s current value to see what kind annuity you could purchase. My guess is your pension will provide you with more monthly income than an annuit...
by arcticpineapplecorp.
Thu Jun 03, 2021 3:27 pm
Forum: Personal Investments
Topic: AMC exit strategy... Anyone
Replies: 72
Views: 6005

Re: AMC exit strategy... Anyone

first there's FOMO
next there's YOLO
finally, there's OH NO
by arcticpineapplecorp.
Thu Jun 03, 2021 1:57 pm
Forum: Investing - Theory, News & General
Topic: AMC+passive [Forbes article]
Replies: 26
Views: 2188

Re: AMC+passive [Forbes article]

can anyone independently confirm the author's following claim: For example, at the end of Q2 last year, Vanguard owned 4.7 million shares of AMC. Then, after AMC rallied huge in Q1 of this year, Vanguard bought over 29 million more AMC shares, bringing its total holdings to 37.4 million worth $978 m...
by arcticpineapplecorp.
Wed Jun 02, 2021 8:02 pm
Forum: Investing - Theory, News & General
Topic: I don't understand what's happening with AMC shares
Replies: 72
Views: 6069

Re: I don't understand what's happening with AMC shares

First, there's FOMO
Next, there's YOLO
Finally, there's OH NO
by arcticpineapplecorp.
Wed Jun 02, 2021 7:56 pm
Forum: Investing - Theory, News & General
Topic: I don't understand what's happening with AMC shares
Replies: 72
Views: 6069

Re: I don't understand what's happening with AMC shares

apparently wsb is trying to push blackberry up next (because it's gone up 50% in the past few days). this is not a buy recommendation, i'm just saying we'll start seeing lots of threads on blackberry next now that AMC and Gamestop are so yesterday's news. This is what people think investing is, prop...
by arcticpineapplecorp.
Wed Jun 02, 2021 7:52 pm
Forum: Investing - Theory, News & General
Topic: I don't understand what's happening with AMC shares
Replies: 72
Views: 6069

Re: I don't understand what's happening with AMC shares

Today AMC shares have gone up a lot after a hedge fund sold at a profit a large number of them which it got from AMC https://www.wsj.com/articles/amc-shares-soar-after-company-raises-230-million-in-stock-sale-11622571307 Is there any rationality in what is happening? If so can anyone explain this t...
by arcticpineapplecorp.
Wed Jun 02, 2021 7:48 pm
Forum: Investing - Theory, News & General
Topic: I don't understand what's happening with AMC shares
Replies: 72
Views: 6069

Re: I don't understand what's happening with AMC shares

Today AMC shares have gone up a lot after a hedge fund sold at a profit a large number of them which it got from AMC https://www.wsj.com/articles/amc-shares-soar-after-company-raises-230-million-in-stock-sale-11622571307 Is there any rationality in what is happening? If so can anyone explain this t...
by arcticpineapplecorp.
Wed Jun 02, 2021 7:46 pm
Forum: Investing - Theory, News & General
Topic: I don't understand what's happening with AMC shares
Replies: 72
Views: 6069

Re: I don't understand what's happening with AMC shares

Bigger fool FOMO investing. Same as crypto. So AMC sells shares to a hedge fund, which is diluting, but stock goes up anyway (they see it is a positive sign). Then the hedge fund makes a profit and dumps the shares, but it goes up more. Apparently roaring kitty getting back in the mix is a reason t...
by arcticpineapplecorp.
Wed Jun 02, 2021 7:43 pm
Forum: Investing - Theory, News & General
Topic: One secret to successful investing? Keep calm
Replies: 11
Views: 1708

One secret to successful investing? Keep calm

just got this in my inbox and thought I'd share it. thought this was a nice short video by Vanguard on why if you have a well designed portfolio to meet your goals, you really can tune out the noise because those are merely moments and have nothing to do with the long term. Sorry it has to keep bein...