Search found 9092 matches

by TheTimeLord
Sun Apr 11, 2021 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-retirement checklist, what is on yours?
Replies: 77
Views: 8994

Re: Pre-retirement checklist, what is on yours?

At this point in my approach to retirement I am all about risk management and making sure I can afford to do what I want in the early years of my retirement when I am most likely to be healthy and physically able. If I turn out to be an incredibly virile and active 80 year old I figure something ou...
by TheTimeLord
Thu Apr 08, 2021 12:17 pm
Forum: Personal Investments
Topic: Consolidate Fidelity to Vanguard or not
Replies: 33
Views: 2439

Re: Consolidate Fidelity to Vanguard or not

So if I understand it, I can buy VTI in Fidelity Taxable for $0 fees? Then why did I get charged $4.95 to sell my ESPP stock in that same account? Is that an ESPP related thing or is it related to the type of taxable account I have? Did you call them to make the trade because Fidelity charges $0 co...
by TheTimeLord
Thu Apr 08, 2021 9:08 am
Forum: Personal Investments
Topic: Consolidate Fidelity to Vanguard or not
Replies: 33
Views: 2439

Re: Consolidate Fidelity to Vanguard or not

I have Schwab, Fido, and Vanguard. I would never cosolidate anything into Vanguard. Stick with Fidelity for a few reasons. One,Fidelity allows for fractional share investing for ETFs and stocks. Two, Fidelity's web and app interfaces are light years ahead of Vanguard. I second this. I see no issue ...
by TheTimeLord
Wed Apr 07, 2021 3:13 pm
Forum: Personal Investments
Topic: How much cash do you really hold?
Replies: 91
Views: 6231

Re: How much cash do you really hold?

It would seem different people view their portfolios in different ways. Which is probably the genesis for all the hand wringing around "cash". I think people are closeted about their short-term reserve holdings because it's considered a bit of a sin. Admit you have "cash equivalents&...
by TheTimeLord
Wed Apr 07, 2021 2:54 pm
Forum: Personal Investments
Topic: How much cash do you really hold?
Replies: 91
Views: 6231

Re: How much cash do you really hold?

I am always intrigued by the BH fascination with this mystical thing called cash. If your money is in something that generates a return it is invested imho. What BH like to call cash is just ultra short duration. So to me cash is what's in my wallet and anything held in a way that doesn't generate ...
by TheTimeLord
Wed Apr 07, 2021 2:42 pm
Forum: Personal Investments
Topic: How much cash do you really hold?
Replies: 91
Views: 6231

Re: How much cash do you really hold?

I am always intrigued by the BH fascination with this mystical thing called cash. If your money is in something that generates a return it is invested imho. What BH like to call cash is just ultra short duration. So to me cash is what's in my wallet and anything held in a way that doesn't generate ...
by TheTimeLord
Wed Apr 07, 2021 11:16 am
Forum: Personal Investments
Topic: How much cash do you really hold?
Replies: 91
Views: 6231

Re: How much cash do you really hold?

I am always intrigued by the BH fascination with this mystical thing called cash. If your money is in something that generates a return it is invested imho. What BH like to call cash is just ultra short duration. So to me cash is what's in my wallet and anything held in a way that doesn't generate a...
by TheTimeLord
Wed Apr 07, 2021 10:05 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14298
Views: 1103024

Re: U.S. stocks continue to soar!

Morpheus: “You take the blue pill, the story ends, you wake up in your bed and believe whatever you want to believe. You take the red pill, you stay in wonderland, and I show you how deep the rabbit hole goes.”

Hoping to continue my journey as a red pill investor.
by TheTimeLord
Wed Apr 07, 2021 8:20 am
Forum: Investing - Theory, News & General
Topic: TSLA gamed the system - Could Index Funds Be ‘Worse Than Marxism’?
Replies: 107
Views: 11137

Re: TSLA gamed the system - Could Index Funds Be ‘Worse Than Marxism’?

After the number of shares go up the index funds buy more shares. Why ? Best I can tell he is assuming the share price will be unaffected by the dilution thus the market cap will rise and when the market cap weighted indexes rebalance they will buy a greater amount of Tesla. Of course this also ass...
by TheTimeLord
Tue Apr 06, 2021 10:35 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 High Dividend ETF - SPYD
Replies: 38
Views: 3015

Re: S&P 500 High Dividend ETF - SPYD

Bogleheads - Interested to know if anyone invests in this fund? The yield is close to 4.85% and contains 80 of the 500 companies from the S&P 500 fund. The ETF is however equal weight and not market cap weight which has resulted is frequent rebalancing and turnover. Adding this ETF to the S&...
by TheTimeLord
Tue Apr 06, 2021 3:47 pm
Forum: Investing - Theory, News & General
Topic: 30 Years and 100% VTI
Replies: 111
Views: 12356

Re: 30 Years and 100% VTI

Let's say you're going to be away from your investments for 30 years and will never add another dime or see your portfolio. The point is to take human emotion out of the equation completely, so you're Tom Hanks in Cast Away for 30 years and can't find out what the markets are/economy is doing if yo...
by TheTimeLord
Tue Apr 06, 2021 10:20 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14298
Views: 1103024

Re: U.S. stocks continue to soar!

atdharris wrote: Tue Apr 06, 2021 10:18 am I guess the tech correction is over.
Not until Forester capitulates.
by TheTimeLord
Tue Apr 06, 2021 10:18 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14298
Views: 1103024

Re: U.S. stocks continue to soar!

CurlyDave wrote: Tue Apr 06, 2021 10:15 am NASDAQ is now back to soaring.

S&P slacking off, but green.
Bought some yesterday, bought a tiny amount today. But I have to admit it is getting hard to pull the trigger. I have to keep reminding myself to stick to "my plan" and not let all the forum noise affect me.
by TheTimeLord
Mon Apr 05, 2021 9:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14298
Views: 1103024

Re: U.S. stocks continue to soar!

MishkaWorries wrote: Mon Apr 05, 2021 9:19 pm
Third Son wrote: Mon Apr 05, 2021 4:01 pm For a buy and hold community, there sure is a lot of trading going on here. Why is that?
I backed the truck up on Friday!

I bought $400.00 of S&P 500 in my retirement account as part of my biweekly savings.
Market was closed Friday. Maybe they bought on Thursday.
by TheTimeLord
Mon Apr 05, 2021 8:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14298
Views: 1103024

Re: U.S. stocks continue to soar!

dru808 wrote: Mon Apr 05, 2021 8:35 pm Incredible milestone day that’ll only last a few months till we hit 5000 :sharebeer
What milestone did we hit today?
by TheTimeLord
Mon Apr 05, 2021 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else see drastic increase in Zillow value today?
Replies: 127
Views: 12147

Re: Anyone else see drastic increase in Zillow value today?

Talk about weird, mine up 7% from when I read this post this afternoon. Seems highly unusual.

Edit: I found the answer, it was display the March price earlier and now displaying the April estimate.
by TheTimeLord
Mon Apr 05, 2021 3:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14298
Views: 1103024

Re: U.S. stocks continue to soar!

TheTimeLord wrote: Mon Apr 05, 2021 11:54 am I am on minor round number alert.
Didn't quite make it. :(
by TheTimeLord
Mon Apr 05, 2021 11:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14298
Views: 1103024

Re: U.S. stocks continue to soar!

I am on minor round number alert.
by TheTimeLord
Mon Apr 05, 2021 11:09 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14298
Views: 1103024

Re: U.S. stocks continue to soar!

Kookaburra wrote: Mon Apr 05, 2021 11:01 am It’s getting hard not to think about or look at the Schiller PE ratio. :shock:
I never look at it and the only time I think about it is when I read someone's post about it. I think I am too ignorant to understand the fascination with it or Schiller.
by TheTimeLord
Mon Apr 05, 2021 11:06 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14298
Views: 1103024

Re: U.S. stocks continue to soar!

Corsair wrote: Mon Apr 05, 2021 10:22 am Bought more S&P and International. Cash & bonds are trash!

"YELLEN CALLS ON OTHER NATIONS TO AVOID EARLY FISCAL TIGHTENING" :beer
Isn't that kind of like calling on birds to fly?
by TheTimeLord
Mon Apr 05, 2021 10:11 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14298
Views: 1103024

Re: U.S. stocks continue to soar!

Seeing the market continue to rise certainly feels good, but I cannot help but wonder how much of the gains we're seeing now are due to the market's expectation of coming inflation, which, if so, means that some of these may be phantom gains. If I held a significant portion of my portfolio in nomin...
by TheTimeLord
Mon Apr 05, 2021 10:03 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14298
Views: 1103024

Re: U.S. stocks continue to soar!

Seeing the market continue to rise certainly feels good, but I cannot help but wonder how much of the gains we're seeing now are due to the market's expectation of coming inflation, which, if so, means that some of these may be phantom gains. If I held a significant portion of my portfolio in nomin...
by TheTimeLord
Mon Apr 05, 2021 9:59 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14298
Views: 1103024

Re: U.S. stocks continue to soar!

Just think about it - someone is actually sitting on the sidelines with cash right now. In fairness very few here are 100% equity and bonds have lost money this YTD so very few people portfolio are probably coming close to matching the market's return, and that is okay because it is important to ma...
by TheTimeLord
Mon Apr 05, 2021 9:45 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14298
Views: 1103024

Re: U.S. stocks continue to soar!

Are we headed to S&P 500 4100 today? 😱 We started the day at 4020. We’re now at 4070. Why not 4100?? :moneybag If this goes up much further I am going to be tempted to go full on Boglehead by selling everything I currently own, then taking the funds and buying VT. Just total set it and forget it.
by TheTimeLord
Mon Apr 05, 2021 9:41 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14298
Views: 1103024

Re: U.S. stocks continue to soar!

Vtsax100 wrote: Mon Apr 05, 2021 9:38 am Are we headed to S&P 500 4100 today? 😱
Only if Forester posts "The S&P shall not pass 4,100".
by TheTimeLord
Mon Apr 05, 2021 9:05 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14298
Views: 1103024

Re: U.S. stocks continue to soar!

CurlyDave wrote: Mon Apr 05, 2021 8:58 am
TheTimeLord wrote: Mon Apr 05, 2021 8:54 am
...Triple-Q has been on fire. Just amazing.
And for the past few days, the order of the world has been restored -- NASDAQ is soaring more than S&P. All we need is some all-time highs for NASDAQ and maybe I can get a new toy.
I find it interesting to watch QQQ vs VTI/VONE vs RSP.
by TheTimeLord
Mon Apr 05, 2021 8:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14298
Views: 1103024

Re: U.S. stocks continue to soar!

CurlyDave wrote: Mon Apr 05, 2021 8:47 am
TheTimeLord wrote: Mon Apr 05, 2021 8:16 am
CurlyDave wrote: Thu Apr 01, 2021 1:57 pm
I thought you would appreciate that I added SMH about a month ago and it has really been soaring lately.
Those dollars spend just the same as the ones earned by sweat and toil.
Triple-Q has been on fire. Just amazing.
by TheTimeLord
Mon Apr 05, 2021 8:16 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14298
Views: 1103024

Re: U.S. stocks continue to soar!

CurlyDave wrote: Thu Apr 01, 2021 1:57 pm
I thought you would appreciate that I added SMH about a month ago and it has really been soaring lately.
by TheTimeLord
Mon Apr 05, 2021 7:50 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14298
Views: 1103024

Re: U.S. stocks continue to soar!

Big payroll numbers released. 916k in March. If there's no big bad news this weekend to blow the house down we should have a nice jump to the green to start Monday off. CNBC: Jobs report blows past expectations as payrolls boom by 916,000 in March. https://www.cnbc.com/2021/04/02/us-jobs-report-mar...
by TheTimeLord
Mon Apr 05, 2021 7:47 am
Forum: Personal Investments
Topic: Lower bond percentage after you won the game?
Replies: 57
Views: 6164

Re: Lower bond percentage after you won the game?

Thoughts? As your wealth increases, your *ability* to take risk *increases*, but your *need* to take risk *decreases*. That's why people have conflicting strategies. A) Decrease risk, because risk is evil, losing money feels bad, and you can live a comfortable life without taking it. B) Increase ri...
by TheTimeLord
Sun Apr 04, 2021 12:42 pm
Forum: Investing - Theory, News & General
Topic: Benchmarking Bond Fund Alternatives
Replies: 3
Views: 389

Re: Benchmarking Bond Fund Alternatives

Instead of bench marking by performance, maybe consider risk. Look for something with similar credit risk (default), interest rate risk (duration), etc. Other than reading disclosures and paying attention to credit rating agencies, I'm not sure there is an easy risk comparison. Regards, From what I...
by TheTimeLord
Sun Apr 04, 2021 6:54 am
Forum: Investing - Theory, News & General
Topic: Benchmarking Bond Fund Alternatives
Replies: 3
Views: 389

Benchmarking Bond Fund Alternatives

With bond funds performing poorly as rates rise I have noticed several threads suggesting alternatives to owning bonds funds. My question is not whether or not any of these alternatives make sense, but rather how would you benchmark them. Would you still benchmark their performance against BND or ar...
by TheTimeLord
Sat Apr 03, 2021 9:37 pm
Forum: Personal Investments
Topic: Anyone tax gain harvesting from stock bought last March
Replies: 26
Views: 1624

Re: Anyone tax gain harvesting from stock bought last March

Question, maybe I am missing something, but why would I ever want to use my losses to cancel LTCG instead of cancelling ordinary income and short term capital gains? You don't get a choice. Capital losses will get used up by any gains (including gains that would be taxed at 0%) before carrying over...
by TheTimeLord
Sat Apr 03, 2021 9:25 pm
Forum: Personal Investments
Topic: Anyone tax gain harvesting from stock bought last March
Replies: 26
Views: 1624

Re: Anyone tax gain harvesting from stock bought last March

Question, maybe I am missing something, but why would I ever want to use my losses to cancel LTCG instead of cancelling ordinary income and short term capital gains? Why would you have short term realized gains? One scenario I can think of is you decide to buy something and rather than selling stoc...
by TheTimeLord
Sat Apr 03, 2021 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Capital loss and dividends in 2000 tax filing?
Replies: 4
Views: 335

Re: Capital loss and dividends in tax 2000 tax filing?

I am preparing my 2020 tax return. Suppose I have $10,000 in dividends and $20,000 in capital loss (March 2020 sale of stock funds, aka capital loss harvesting) in my brokerage accounts. I though I could get $10,000 capital loss for the total of 2020 investment. However, the H&R Block tells me ...
by TheTimeLord
Sat Apr 03, 2021 7:53 pm
Forum: Personal Investments
Topic: Anyone tax gain harvesting from stock bought last March
Replies: 26
Views: 1624

Re: Anyone tax gain harvesting from stock bought last March

Question, maybe I am missing something, but why would I ever want to use my losses to cancel LTCG instead of cancelling ordinary income and short term capital gains?
by TheTimeLord
Sat Apr 03, 2021 7:30 pm
Forum: Personal Investments
Topic: What Are You Doing Given Record Stock Market Highs and What Is Your Situation?
Replies: 120
Views: 12564

Re: What Are You Doing Given Record Stock Market Highs and What Is Your Situation?

I have been becoming steadily more aggressive, although it is getting harder because it has worked well to date. But I also keep a Bernstein size amount in Safe Fixed Income so I have the ability to take more risk. Just don't see any reason to increase the amount I have in fixed income. What is a B...
by TheTimeLord
Sat Apr 03, 2021 3:15 pm
Forum: Personal Investments
Topic: Anyone tax gain harvesting from stock bought last March
Replies: 26
Views: 1624

Re: Anyone tax gain harvesting from stock bought last March

Like many people here I did some TLH last March and I am now sitting on some pretty strong gains. Since this year will be a lower income year I am thinking about harvesting the gains. Anyone else considering doing something similar? Do you need the cash? Curiosity: what is your AA? Don't need cash,...
by TheTimeLord
Sat Apr 03, 2021 2:52 pm
Forum: Personal Investments
Topic: Anyone tax gain harvesting from stock bought last March
Replies: 26
Views: 1624

Re: Anyone tax gain harvesting from stock bought last March

livesoft wrote: Sat Apr 03, 2021 2:40 pm If you mean rebalancing, then yes, but I do all rebalancing in a tax-deferred account, so no tax consequences.
No, I don't mean rebalancing.
by TheTimeLord
Sat Apr 03, 2021 2:31 pm
Forum: Personal Investments
Topic: Anyone tax gain harvesting from stock bought last March
Replies: 26
Views: 1624

Anyone tax gain harvesting from stock bought last March

Like many people here I did some TLH last March and I am now sitting on some pretty strong gains. Since this year will be a lower income year I am thinking about harvesting the gains. Anyone else considering doing something similar?
by TheTimeLord
Fri Apr 02, 2021 3:21 pm
Forum: Investing - Theory, News & General
Topic: 30 Years and 100% VTI
Replies: 111
Views: 12356

Re: 30 Years and 100% VTI

Let's say you're going to be away from your investments for 30 years and will never add another dime or see your portfolio. The point is to take human emotion out of the equation completely, so you're Tom Hanks in Cast Away for 30 years and can't find out what the markets are/economy is doing if yo...
by TheTimeLord
Fri Apr 02, 2021 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Do you trust the current value of your portfolio?
Replies: 130
Views: 9148

Re: Do you trust the current value of your portfolio?

I like the bottom up budget approach. In fact, I can say that our minimum budget (normal living expenses, health insurance & costs, taxes, etc.) can be bounded at $60k. It is the discretionary spending that is difficult to estimate, travel $20k+, that "+" could be very large if I reti...
by TheTimeLord
Fri Apr 02, 2021 1:17 pm
Forum: Personal Investments
Topic: What Are You Doing Given Record Stock Market Highs and What Is Your Situation?
Replies: 120
Views: 12564

Re: What Are You Doing Given Record Stock Market Highs and What Is Your Situation?

I have been becoming steadily more aggressive, although it is getting harder because it has worked well to date. But I also keep a Bernstein size amount in Safe Fixed Income so I have the ability to take more risk. Just don't see any reason to increase the amount I have in fixed income.
by TheTimeLord
Fri Apr 02, 2021 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Do you trust the current value of your portfolio?
Replies: 130
Views: 9148

Re: Do you trust the current value of your portfolio?

I have to work for probably another 10 years for that kind of conservatism. At this time, I really want to get out if my portfolio is accurately reflecting its value regarding retirement. What are you assuming for an annual withdrawal rate? In my mind, that is key. For example, if you were planning...
by TheTimeLord
Fri Apr 02, 2021 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Do you trust the current value of your portfolio?
Replies: 130
Views: 9148

Re: Do you trust the current value of your portfolio?

I am ridiculously conservative and discount our net worth around 50%. We could get by on a 1-2% withdrawal rate. I have to work for probably another 10 years for that kind of conservatism. At this time, I really want to get out if my portfolio is accurately reflecting its value regarding retirement...
by TheTimeLord
Fri Apr 02, 2021 10:57 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14298
Views: 1103024

Re: U.S. stocks continue to soar!

I don't understand why anyone would not have expected a very bumpy reopening. That said I expected bumps by the 3rd week of May so I think the bumps taking longer to appear may have engendered some unrealistic optimism in some people about how this is going to go. I expect lots of bumps and humps o...
by TheTimeLord
Fri Apr 02, 2021 10:52 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2277
Views: 270617

Re: Post your Financial Milestone Announcements Here

I have a spreadsheet that calculates how many X I have for a given amount annual expenses. It has multiple columns, one for each annual expense level (hope that makes sense). As of this morning I have exceeded 25x for the last (highest) expense column on the spreadsheet (which I had never actually c...
by TheTimeLord
Fri Apr 02, 2021 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Do you trust the current value of your portfolio?
Replies: 130
Views: 9148

Re: Do you trust the current value of your portfolio?

I have a number for my retirement. However, the number was reached far faster than I expected. So I am seriously considering to retire at the end of this year or next year (dependent upon my son's employment status). When I read around (on similar forums), it seems that everyone's portfolio grows a...
by TheTimeLord
Fri Apr 02, 2021 10:19 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14298
Views: 1103024

Re: U.S. stocks continue to soar!

So, getting people reemployed and economy back rolling is needed. Yup, completely different dynamic now than last summer/fall. I think the question might be, if unemployment drops quicker than expected, that might cause the Fed to raise interest rates earlier vs later, which would hurt TINA, which ...
by TheTimeLord
Thu Apr 01, 2021 3:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14298
Views: 1103024

Re: U.S. stocks continue to soar!

rchmx1 wrote: Thu Apr 01, 2021 3:07 pm Hopefully Mr Market isn't just having some fun with us for April Fools before bathing us in red tomorrow! He is known to be that kind of jerk. :o

Seriously though, what lovely soaring we've had the last two days. :moneybag
I assure you the market will not drop tomorrow.