Search found 7979 matches

by arcticpineapplecorp.
Tue Jun 22, 2021 1:05 pm
Forum: Investing - Theory, News & General
Topic: has morningstar legacy functionality (comparing funds) ceased?
Replies: 5
Views: 148

Re: has morningstar legacy functionality (comparing funds) ceased?

Seems to work fine. can you share the link you work off? I'm wondering if my link is somehow corrupted or nonfunctional. I use this: http://quotes.morningstar.com/chart/fund/chart?t=VTSAX what do you use? With that link, I'm also getting what you described: nothing useful. RM can you provide a link...
by arcticpineapplecorp.
Tue Jun 22, 2021 12:59 pm
Forum: Investing - Theory, News & General
Topic: has morningstar legacy functionality (comparing funds) ceased?
Replies: 5
Views: 148

Re: has morningstar legacy functionality (comparing funds) ceased?

piperkub wrote: Tue Jun 22, 2021 12:54 pm Seems to work fine.
can you share the link you work off? I'm wondering if my link is somehow corrupted or nonfunctional. I use this:

http://quotes.morningstar.com/chart/fund/chart?t=VTSAX

what do you use?
by arcticpineapplecorp.
Tue Jun 22, 2021 12:44 pm
Forum: Investing - Theory, News & General
Topic: has morningstar legacy functionality (comparing funds) ceased?
Replies: 5
Views: 148

has morningstar legacy functionality (comparing funds) ceased?

for those who use the morningstar legacy (example: http://quotes.morningstar.com/chart/fund/chart?t=VTSAX) has anyone noticed the inability to enter tickers to compare? I can enter the additional tickers, but it's greyed out and doesn't bring up the graph for the additional tickers. Looks like this ...
by arcticpineapplecorp.
Tue Jun 22, 2021 12:26 pm
Forum: Personal Investments
Topic: Investment books for novice.
Replies: 7
Views: 220

Re: Investment books for novice.

If you can by Bernstein is good. Short too. Paul Merriman has a new book called We're talking Millions: https://paulmerriman.com/wp-content/uploads/2021/04/Were-Talking-Millions.pdf these bogleheads videos are good too: https://www.bogleheads.org/wiki/Video:Bogleheads%C2%AE_investment_philosophy I a...
by arcticpineapplecorp.
Tue Jun 22, 2021 11:48 am
Forum: Personal Finance (Not Investing)
Topic: How many days after trad Ira contrib to Roth conversion?..
Replies: 8
Views: 245

Re: How many days after trad Ira contrib to Roth conversion?..

no. you just have to pay the tax on the conversion. don't forget to pay estimated quarterly taxes if required as a result of the conversion to avoid any potential late payment penalty.

are you asking about doing a Backdoor Roth? Read more here:
https://www.bogleheads.org/wiki/Backdoor_Roth
by arcticpineapplecorp.
Tue Jun 22, 2021 11:14 am
Forum: Investing - Theory, News & General
Topic: How Do You Make Your Asset Allocation Decisions?
Replies: 17
Views: 745

Re: How Do You Make Your Asset Allocation Decisions?

it's really a personal decision and shouldn't be made just based on age (even though that's how the cookie cutter target date funds operate). for instance, just because someone's in their 20s or 30s does that mean they "should" maximize risk in search of maximum returns? the answer is, it ...
by arcticpineapplecorp.
Mon Jun 21, 2021 7:47 pm
Forum: Personal Investments
Topic: ?s for those using/considering PlanVision
Replies: 19
Views: 1174

Re: ?s for those using/considering PlanVision

don't forget Mark's doing a presentation tomorrow at 8 pm. e.t. at the tampa bay + South FL bogleheads chapter:

https://www.bogleheads.org/blog/calendar-of-events/
by arcticpineapplecorp.
Mon Jun 21, 2021 7:39 pm
Forum: Personal Investments
Topic: Allocation stocks bonds
Replies: 25
Views: 1520

Re: Allocation stocks bonds

I was wondering how others allocation is at about my age . it's really a personal decision and shouldn't be made just based on age (even though that's how the cookie cutter target date funds operate). for instance, just because someone's in their 20s or 30s does that mean they "should" ma...
by arcticpineapplecorp.
Mon Jun 21, 2021 7:18 pm
Forum: Personal Investments
Topic: portfolio question for IRA
Replies: 4
Views: 282

Re: portfolio question for IRA

Would a 50/50 allocation be too risky? Thank you for advising. welcome to the group. while it was said a 50/50 portfolio is not unusual for an early retiree (or later retiree for that matter), the target date retirement funds typically have you at 50/50 at the target date and then continue moving d...
by arcticpineapplecorp.
Mon Jun 21, 2021 4:01 pm
Forum: Personal Investments
Topic: Just opened a Roth IRA and have no other investments...help!
Replies: 12
Views: 820

Re: Just opened a Roth IRA and have no other investments...help!

I did have a friend suggest I split the $6k into 25% going to an aggressive growth fund like VIGAX and 75% in VTSAX... here's how vtsax (100%) did vs vtsax (75%) + vigax (25%) in the past: https://i.postimg.cc/rmz6vxFV/Capture.jpg source: https://www.portfoliovisualizer.com/backtest-portfolio?s=y&a...
by arcticpineapplecorp.
Mon Jun 21, 2021 10:46 am
Forum: Investing - Theory, News & General
Topic: Pension complexity/obscurity of investments
Replies: 10
Views: 1021

Re: Pension complexity/obscurity of investments

Don't confuse what seems to be a majority consensus in academic research and on the Bogleheads forum as universally accepted gospel. Not every employee would appreciate you deciding for them that they should be limited to certain index funds. In the case of a 401k or 457, it's their money, not your...
by arcticpineapplecorp.
Mon Jun 21, 2021 10:21 am
Forum: Personal Investments
Topic: Finally did it but did I do it at the wrong time?
Replies: 16
Views: 1548

Re: Finally did it but did I do it at the wrong time?

you can't ever know what the "right" time is until after the fact. So if it was not the "right" time, you can't beat yourself up because there was no way to know the future before it happened. Roger Ibbotson has said most performance of your portfolio is not detemined by stock se...
by arcticpineapplecorp.
Sun Jun 20, 2021 7:57 pm
Forum: Investing - Theory, News & General
Topic: Impending Alzheimer’s: what would be your investment for life?
Replies: 51
Views: 5127

Re: Impending Alzheimer’s: what would be your investment for life?

what responses would be different this time than on the "similar message board" from before? did those messages not take inflation, interest rates and stock market at an all time high into consideration? we'd need more info before you get any quality answers. we don't know if they need to ...
by arcticpineapplecorp.
Sun Jun 20, 2021 1:59 pm
Forum: Investing - Theory, News & General
Topic: Risk assessment.
Replies: 5
Views: 445

Re: Risk assessment.

I'd say the private debt/real estate is more risky. timing is one thing that sorta matters. It's not just 10 years, but what happens when you need the money in 10 years? What would have happened to VTSAX vs. private debt real estate lending in 2008-2009 for instance? What does history say about that...
by arcticpineapplecorp.
Sat Jun 19, 2021 9:14 pm
Forum: Investing - Theory, News & General
Topic: VTSAX Weight
Replies: 17
Views: 2096

Re: VTSAX Weight

in reference to home depot and visa mentioned by OP and I mentioned Apple... Apple should make up a larger portion of the total stock market index fund than visa and visa makes up a larger part than home depot because: $2.18 Trillion market cap - Apple (https://www.google.com/search?client=firefox-b...
by arcticpineapplecorp.
Sat Jun 19, 2021 8:56 pm
Forum: Investing - Theory, News & General
Topic: Is the secret to long term wealth as simple as living below your means and investing in a low cost index fund
Replies: 159
Views: 14564

Re: Is the secret to long term wealth as simple as living below your means and investing in a low cost index fund

I once asked the question, "If you earn $1,000,000.00 a year, but spend $1,000,001.00 a year are you rich or poor? “Annual income twenty pounds, annual expenditure nineteen nineteen and six , result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result ...
by arcticpineapplecorp.
Sat Jun 19, 2021 6:39 pm
Forum: Investing - Theory, News & General
Topic: Is the secret to long term wealth as simple as living below your means and investing in a low cost index fund
Replies: 159
Views: 14564

Re: Is the secret to long term wealth as simple as living below your means and investing in a low cost index fund

living below your means doesn't in and of itself make you wealthy, unless your definition of wealth equals any positve net worth. Therein, if you have $400 in savings as almost half of the US population supposedly didn't at one point, then you're doing better than half the US population (whether tha...
by arcticpineapplecorp.
Sat Jun 19, 2021 5:54 pm
Forum: Investing - Theory, News & General
Topic: VTSAX Weight
Replies: 17
Views: 2096

Re: VTSAX Weight

I am curious if anyone knows how the weight of each company is determined for VTSAX. For example the top 10 holding are: Microsoft Corp. Apple Inc. Alphabet Inc. Amazon.com Inc. Facebook Inc. Berkshire Hathaway Inc. JPMorgan Chase & Co. Tesla Inc. Johnson & Johnson UnitedHealth Group Inc. T...
by arcticpineapplecorp.
Sat Jun 19, 2021 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: [I’m looking to educate myself about passive real estate investing]
Replies: 11
Views: 730

Re: I’m looking to edumakate myself

what could be more passive than Vanguard's REIT index fund? https://investor.vanguard.com/mutual-funds/profile/vgslx low cost 0.12% per year well diversified: 178 companies that deal in all sorts of different types of real estate (residential, industrial, office, retail, health care, etc) in states...
by arcticpineapplecorp.
Sat Jun 19, 2021 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: [I’m looking to educate myself about passive real estate investing]
Replies: 11
Views: 730

Re: I’m looking to edumakate myself

what could be more passive than Vanguard's REIT index fund? https://investor.vanguard.com/mutual-funds/profile/vgslx low cost 0.12% per year well diversified: 178 companies that deal in all sorts of different types of real estate (residential, industrial, office, retail, health care, etc) in states ...
by arcticpineapplecorp.
Sat Jun 19, 2021 1:47 pm
Forum: US Chapters
Topic: Juneteenth
Replies: 22
Views: 2289

Re: Juneteenth

got the day off from work yesterday for Juneteenth. gave blood yesterday. saved 3 lives.
by arcticpineapplecorp.
Sat Jun 19, 2021 1:14 pm
Forum: Personal Investments
Topic: Utility of Financial Advisor
Replies: 74
Views: 4918

Re: Utility of Financial Advisor

He's not opposed to passive investing but says that stockpicking pays off in today's choppy markets, particularly in smaller caps. maybe in the short term, but isn't it the long term that matters? If so, what would you say (or him more importantly) to this: https://i.postimg.cc/9XxpNC3L/SPIVA-throu...
by arcticpineapplecorp.
Sat Jun 19, 2021 1:04 pm
Forum: Personal Consumer Issues
Topic: Favorite Westerns - Name 10
Replies: 78
Views: 3866

Re: Favorite Westerns - Name 10

1 Classical Western 2 Acid Western 3 Australian Western or Meat pie western 4 Blaxploitation Western 5 Charro, cabrito, or chili Westerns 6 Comedy Western 7 Contemporary Western or neo-Western 8 Dacoit Western 9 Documentary Western 10 Electric Western 11 Epic Western 12 Euro-Western 13 Fantasy Weste...
by arcticpineapplecorp.
Sat Jun 19, 2021 12:43 pm
Forum: Investing - Theory, News & General
Topic: Decided To Move Towards Dr. Bernstein's If You Can Portfolio
Replies: 29
Views: 3754

Re: Decided To Move Towards Dr. Bernstein's If You Can Portfolio

I am 46 years old and feel that I wont be able to handle the coming volatility with a 100% stocks portfolio. what coming volatility? Do you know the future? That being said, stocks are usually (to be expected) volatile. That's the nature of the beast. No guts, no glory. Nevermind the supposed comin...
by arcticpineapplecorp.
Sat Jun 19, 2021 12:35 pm
Forum: Investing - Theory, News & General
Topic: All Lifestrategy Funds at Vanguard or ?
Replies: 4
Views: 1105

Re: All Lifestrategy Funds at Vanguard or ?

My FIL has determined he wants to do Roth Conversions over the next few years. In addition he will be taking RMDs. He is wondering if it would be easier to move all his funds (Roth and Rollover IRAs) into Vanguard Life Strategy Conservative Growth Funds now to make it easier for future portfolio ba...
by arcticpineapplecorp.
Sat Jun 19, 2021 11:31 am
Forum: Personal Investments
Topic: Investment advisor question
Replies: 10
Views: 1036

Re: Investment advisor question

when you say "prepare for the high inflation" how do you know what the future holds? Chairman Powell recently said in his press conference this week he sees no high inflation on the horizon and the inflation we've seen is likely temporary due to supply constraints which should level out th...
by arcticpineapplecorp.
Fri Jun 18, 2021 2:55 pm
Forum: Investing - Theory, News & General
Topic: Do Index funds include OTC stocks and Reverse Mergers
Replies: 11
Views: 848

Re: Do Index funds include OTC stocks and Reverse Mergers

another important distinction between the two (OTC and indexes like total market or S&P500, etc) is: Cons OTC stocks have less trade liquidity due to low volume which leads to delays in finalizing the trade and wide bid-ask spreads. Less regulation leads to less available public information, the...
by arcticpineapplecorp.
Fri Jun 18, 2021 2:46 pm
Forum: Investing - Theory, News & General
Topic: What [investing] fun things have you done with your 80% stock market gains in the past year?
Replies: 46
Views: 3667

Re: What [investing] fun things have you done with your 80% stock market gains in the past year?

With your wealth almost doubling in the past year or so, what fun things have you bought and done with your gains from investing. sorry you only got 80%. VTSAX got 86.5% from the bottom in 2020 to now: http://quotes.morningstar.com/chart/fund/chart?t=VTSAX&dataParams=%7B%22zoomKey%22%3A11%2C%22...
by arcticpineapplecorp.
Fri Jun 18, 2021 12:23 pm
Forum: Personal Investments
Topic: Best book for 25y/o w/ limited investing experience?
Replies: 34
Views: 1965

Re: Best book for 25y/o w/ limited investing experience?

this is pretty good (road map for investing success): https://investingroadmap.wordpress.com/ i also think the videos if people prefer that are pretty good: https://www.bogleheads.org/wiki/Video:Bogleheads%C2%AE_investment_philosophy forgot one that just came out recently. Paul Merriman and Rich Buc...
by arcticpineapplecorp.
Fri Jun 18, 2021 8:33 am
Forum: Personal Investments
Topic: Where to invest 500k?
Replies: 26
Views: 3190

Re: Where to invest 500k?

Take the $500,000 and purchase 12,500 shares of British American Tobacco stock. Then, enjoy life as you collect $9,250 checks every 90 days! you're assuming the high dividend will continue into perpetuity. but upon further inspection, the high div yield between 6-8% only started in March 2019. Befo...
by arcticpineapplecorp.
Thu Jun 17, 2021 2:18 pm
Forum: Personal Investments
Topic: Where to invest 500k?
Replies: 26
Views: 3190

Re: Where to invest 500k?

Take the $500,000 and purchase 12,500 shares of British American Tobacco stock. Then, enjoy life as you collect $9,250 checks every 90 days! you're assuming the high dividend will continue into perpetuity. but upon further inspection, the high div yield between 6-8% only started in March 2019. Befo...
by arcticpineapplecorp.
Thu Jun 17, 2021 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Another 401k loan question (thought experiment)
Replies: 10
Views: 413

Re: Another 401k loan question (thought experiment)

I'm confused about the "Mortgage interest isn't really deductible for most people anymore" part. Since when? The limit is $10K but still deductible for many taxpayers. Not everyone has a 500K mortgage? Many people have been paying on their mortgage for 15 or 20 years?? What other "de...
by arcticpineapplecorp.
Thu Jun 17, 2021 12:15 pm
Forum: Personal Investments
Topic: How to avoid high fees for 403(b) investments?
Replies: 19
Views: 660

Re: How to avoid high fees for 403(b) investments?

What's wrong with the S&P 500 Index fund at 0.40%? That's a great deal in a 401(k) or 401(b), much better than any employer I've worked for. I think Jack used to say you should strive to not pay more than 0.20% per year for your investments. Not sure if he was talking 401k or just IRA. But he w...
by arcticpineapplecorp.
Thu Jun 17, 2021 12:11 pm
Forum: Personal Investments
Topic: How to avoid high fees for 403(b) investments?
Replies: 19
Views: 660

Re: How to avoid high fees for 403(b) investments?

the free money will overcome the fees so make sure to grab the free money (and use the lowest cost fund, appears to be the equity index 0.40%. depending upon her ability/interest she could campaign for a better 403b plan (says 401k, but concepts are the same): https://www.bogleheads.org/wiki/How_to_...
by arcticpineapplecorp.
Thu Jun 17, 2021 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Another 401k loan question (thought experiment)
Replies: 10
Views: 413

Re: Another 401k loan question (thought experiment)

So, I have no plans to do this, but am curious for others' thoughts on this. If you could pay off (completely) your mortgage by utilizing a solo 401k loan... what would be the downside? I guess my question is, does the loan pay back schedule count as a contribution? What it prevent you from maxing ...
by arcticpineapplecorp.
Thu Jun 17, 2021 11:35 am
Forum: Personal Finance (Not Investing)
Topic: New to 1099 status. Need advice on.....everything
Replies: 8
Views: 935

Re: New to 1099 status. Need advice on.....everything

So here are my initial questions: 1. Taxes. Should I set aside 50% of the income knowing I'll have to pay a portion of that to taxes? a. Are quarterly tax payments required? How do I calculate that? 2. What kinds of expenses can I write off on taxes against the income I plan to buy a new laptop and...
by arcticpineapplecorp.
Thu Jun 17, 2021 10:15 am
Forum: Investing - Theory, News & General
Topic: What Constitutes "Long term" Investing?
Replies: 22
Views: 1667

Re: What Constitutes "Long term" Investing?

few thoughts: 1. your friend thought he was willing to take risk that he only realized when the risk showed up (in 2020) he wasn't really willing to take. It's been said in bull markets people think they're more risk averse than they really are (and only realize in bear markets). 2. your friend perh...
by arcticpineapplecorp.
Wed Jun 16, 2021 7:31 pm
Forum: Personal Investments
Topic: When to make annual RMD withdrawal from 401(k)
Replies: 15
Views: 1260

Re: When to make annual RMD withdrawal from 401(k)

i don't think there's one right answer. probability wise it is probably better to leave it in only because markets have tended to rise 3 out of 4 years over the past 40 years so odds are in your favor of selling less shares for the same amount. But that's far from certain. You're trying to minimize ...
by arcticpineapplecorp.
Wed Jun 16, 2021 3:29 pm
Forum: Personal Investments
Topic: Best Way To Speculate With $2,000?
Replies: 50
Views: 4748

Re: Best Way To Speculate With $2,000?

so if NFTs are "not" considered crypto (still guessing here) how about a Charmin NFT (yes, Charmin as in the toilet paper. And no the irony here is not lost on me). Charmin has released 5 pieces of digital art: Bids for the NFTPs so far range from $500 to $2,100 and can be posted on Raribl...
by arcticpineapplecorp.
Wed Jun 16, 2021 2:46 pm
Forum: Personal Investments
Topic: Where to invest 500k?
Replies: 26
Views: 3190

Re: Where to invest 500k?

depends. how much risk do you have the need, ability and willingness to take? have you figured your maximum tolerable loss? these are how various allocations fared in 1973-1974: https://i.postimg.cc/L5pBBjpH/asset-allocation-Risk-1.jpg have you read this: https://www.cbsnews.com/news/asset-allocatio...
by arcticpineapplecorp.
Wed Jun 16, 2021 2:36 pm
Forum: Personal Investments
Topic: Best Way To Speculate With $2,000?
Replies: 50
Views: 4748

Re: Best Way To Speculate With $2,000?

does the ban on bitcoin also include NFTs or not?

not making any recommendations here. just thought about NFTs as a wild speculation and wondered if that was included in the off limits or no?
by arcticpineapplecorp.
Wed Jun 16, 2021 1:17 pm
Forum: Personal Investments
Topic: need some helps to understand bond funds
Replies: 1
Views: 235

Re: need some helps to understand bond funds

the wiki has much of the info you might want/need: https://www.bogleheads.org/wiki/Bond_basics regarding the tax exempt, it's fine if you're in a high tax bracket AND we're talking about a taxable acct. Most of the time the recommendation is to have stock (higher growth) in taxable and bonds in the ...
by arcticpineapplecorp.
Tue Jun 15, 2021 9:11 pm
Forum: Personal Investments
Topic: Trying to establish my asset allocation
Replies: 29
Views: 2529

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: 73
Views: 7440

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: 12
Views: 1269

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: 73
Views: 7440

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: 80
Views: 6005

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: 80
Views: 6005

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: 80
Views: 6005

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.
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