Search found 7965 matches

by arcticpineapplecorp.
Sat Jun 19, 2021 9:14 pm
Forum: Investing - Theory, News & General
Topic: VTSAX Weight
Replies: 12
Views: 1181

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: 108
Views: 8093

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: 108
Views: 8093

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: 12
Views: 1181

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: 678

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: 678

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: 2206

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: 34
Views: 1825

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: 48
Views: 2146

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: 22
Views: 2718

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: 3
Views: 577

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: 3
Views: 400

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: 9
Views: 686

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: 3537

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: 1949

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: 3154

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: 3154

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: 407

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: 655

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: 655

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: 407

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: 917

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: 1540

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: 1249

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: 4716

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: 3154

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: 4716

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: 229

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: 2520

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: 7390

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: 1263

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: 7390

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: 5970

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: 5970

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: 5970

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: 2
Views: 443

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: 1818

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: 2509

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: 2509

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: 2509

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: 664

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: 65
Views: 4179

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: 2589

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: 2128

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: 2589

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: 2589

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: 487

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: 817

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: 3549

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 ...