Search found 615 matches
- Thu Jan 18, 2024 1:08 pm
- Forum: Investing - Theory, News & General
- Topic: More Evidence Against Factor Investing
- Replies: 650
- Views: 46457
Re: More Evidence Against Factor Investing
The really hilarious part of all of this is the level of cognitive dissonance on display here at bogleheads. Folks who have bought into the factor idea will continue to believe.
- Fri Dec 15, 2023 7:30 pm
- Forum: Investing - Theory, News & General
- Topic: Do people want annuities, but can't find them?
- Replies: 85
- Views: 11680
Re: Do people want annuities, but can't find them?
Years ago I purchased a variable annuity at Transamerica through Vanguard. I later annuitized it. This year I added a smaller MassMutual SPIA through immediateannuities.com. I'm happy with both of them, although the lack of "traditional" customer service-type support in the insurance industry is a bit off-putting.
70, retired. Fixed pension + SS + 30/70 + the two annuities.
70, retired. Fixed pension + SS + 30/70 + the two annuities.
- Fri Nov 10, 2023 7:08 pm
- Forum: Investing - Theory, News & General
- Topic: CNBC :: Why Jack Bogle’s strategy of ‘lazy’ investing is making a comeback.
- Replies: 27
- Views: 5294
- Fri Oct 20, 2023 4:42 pm
- Forum: Personal Investments
- Topic: Duration of Your Bonds
- Replies: 36
- Views: 3901
Re: Duration of Your Bonds
70 y/o retired.
In taxable I use VGSH (Vanguard Short-Term Treasury ETF) plus Treasury Direct I-bonds.
In Traditional IRA I have BSV (Vanguard Short Term Bond ETF) and VTIP (Vanguard Short Term TIPS ETF).
Roth IRA is completely VASGX (Vanguard LifeStrategy Growth) so has about 20 percent intermediate term bonds.
Overall allocation: 30/70.
In taxable I use VGSH (Vanguard Short-Term Treasury ETF) plus Treasury Direct I-bonds.
In Traditional IRA I have BSV (Vanguard Short Term Bond ETF) and VTIP (Vanguard Short Term TIPS ETF).
Roth IRA is completely VASGX (Vanguard LifeStrategy Growth) so has about 20 percent intermediate term bonds.
Overall allocation: 30/70.
- Sat Oct 07, 2023 11:36 am
- Forum: Personal Investments
- Topic: I bond asset allocation
- Replies: 32
- Views: 3455
Re: I bond asset allocation
I started buying I-bonds in 2014, bought some every year although not always the max. Currently I have 250k worth. It works out to about 16 percent of my fixed income allocation and about 11 percent of the whole portfolio. Overall asset allocation is 30/70.Outer Marker wrote: ↑Sat Oct 07, 2023 11:17 am Ibonds are a small but useful portion of my fixed income allocation. One of the few truly "safe" investments that will never lose value. Due to purchase limits, it's hard to make them a significant portion of a larger portfolio as your assets grow. I just buy my $10,000 allotment every January and stay the course. They are less than 2% of my 70/30 portfolio, but I like having them and appreciate the benefit of tax deferred efficiency in taxable.
70 y/o retired.
- Mon Sep 25, 2023 2:06 am
- Forum: Investing - Theory, News & General
- Topic: Value Investing Forums / Websites ?
- Replies: 36
- Views: 4562
Re: Value Investing Forums / Websites ?
Garsh...I just can't decide which hobbyist investor's pet theory I should subscribe to .
- Thu Sep 21, 2023 6:56 pm
- Forum: Personal Investments
- Topic: Who has the LOWEST Stock Allocation??
- Replies: 85
- Views: 10199
Re: Who has the LOWEST Stock Allocation??
Sadly, I'm 70 y/o. Sorry for any confusion.doobiedoo wrote: ↑Thu Sep 21, 2023 6:41 pmIs that 70 yr old and male or $70M net worth?mindboggling wrote: ↑Thu Sep 21, 2023 4:59 pm 70M, retired. I'm at 30 percent equities, with about 25 percent of that ex-US. My comfort level.
- Thu Sep 21, 2023 4:59 pm
- Forum: Personal Investments
- Topic: Who has the LOWEST Stock Allocation??
- Replies: 85
- Views: 10199
Re: Who has the LOWEST Stock Allocation??
70M, retired. I'm at 30 percent equities, with about 25 percent of that ex-US. My comfort level.
I have a fixed (non-COLA) pension plus some self-funded annuity income. And SS.
I have a fixed (non-COLA) pension plus some self-funded annuity income. And SS.
- Fri Sep 15, 2023 10:49 pm
- Forum: Investing - Theory, News & General
- Topic: Berkshire Hathaway and Dividends
- Replies: 92
- Views: 9047
Re: Berkshire Hathaway and Dividends
A company's website is primarily a sales and marketing tool. Any benefit to the customer is purely incidental.JoMoney wrote: ↑Wed Sep 13, 2023 7:48 amI sure hope not. Honestly, I hope a trend starts, or returns to, a style of predominately text based web pages, without the unnecessary, bandwidth wasting, animated fluff and scripts/code that make it difficult to parse out information because they put too much weight on being flashy.Wanderingwheelz wrote: ↑Wed Sep 13, 2023 7:40 am... Bringing their website out of the dark ages may even happen, who knows? https://www.berkshirehathaway.com/
If your web page isn't just as functional in a Lynx browser, it's a bad web page IMO.
- Mon Sep 11, 2023 4:59 pm
- Forum: Personal Finance (Not Investing)
- Topic: Does anyone here with net worths north of $1 mil use financial advisors?
- Replies: 454
- Views: 87476
Re: Does anyone here with net worths north of $1 mil use financial advisors?
No financial advisor here. A simple portfolio scales easily. I used Planvision for a quick look about a year ago. Nothing earth shattering came of it.
- Mon Aug 21, 2023 3:16 pm
- Forum: Personal Consumer Issues
- Topic: Anyone else underwhelmed by Schwab web interface?
- Replies: 35
- Views: 4030
Re: Anyone else underwhelmed by Schwab web interface?
I've never had an account at TDA. I moved from Vanguard to Schwab a few years ago. I'm happy at Schwab but find each page of their website cluttered with extraneous numbers that don't mean anything.
I've come to realize that the website is primarily a sales and marketing tool. I think their marketing strategy is to confuse and intimidate young, inexperienced investors and drive them toward managed products where Schwab can make some money. If all their customers invested like me Schwab would go broke.
I've come to realize that the website is primarily a sales and marketing tool. I think their marketing strategy is to confuse and intimidate young, inexperienced investors and drive them toward managed products where Schwab can make some money. If all their customers invested like me Schwab would go broke.
- Thu Aug 10, 2023 12:26 am
- Forum: Personal Consumer Issues
- Topic: What's going on with Amazon? No shipping box or bag
- Replies: 115
- Views: 10896
Re: What's going on with Amazon? No shipping box or bag
Amazon is the new ebay.
- Fri Aug 04, 2023 11:22 pm
- Forum: Personal Consumer Issues
- Topic: Sports with the least commitments for kids?
- Replies: 149
- Views: 11475
Re: Sports with the least commitments for kids?
While we're at it...can I get the equity risk premium without taking the risk?
- Tue Jul 25, 2023 9:51 am
- Forum: Investing - Theory, News & General
- Topic: Why is there no global market portfolio ETF?
- Replies: 33
- Views: 5213
Re: Why is there no global market portfolio ETF?
I do...I do!
Retired, age 70.
- Wed Jul 12, 2023 12:26 am
- Forum: Personal Consumer Issues
- Topic: Amazon Prime Day Price Observations
- Replies: 49
- Views: 7196
Re: Amazon Prime Day Price Observations
I think it was Will Rogers who said the easiest way to double your money is to fold it in half and put it back in your pocket.
- Sat Jul 08, 2023 6:11 pm
- Forum: Personal Investments
- Topic: Income from taxable account
- Replies: 26
- Views: 2706
Re: Income from taxable account
Retired, 70, here. I mostly re-invest income thrown off by investments in my taxable account, but I'll spend it if I need to. Income from pension, SS, and annuity usually covers my expenses.
- Sat Jul 08, 2023 5:32 pm
- Forum: Personal Investments
- Topic: Lessons I learned too late about my pension
- Replies: 83
- Views: 9861
Re: Lessons I learned too late about my pension
The last job I had before I retired was union-represented. We had a pension and the company 401k. The pension was closed to new hires some years before I left so I was lucky. I always maxed-out the 401k including the "catch up" amounts allowed in my 50s. The 401k had some good fund choices with reasonable expense ratios. They offered me a buy-out when I was 60 with 20 years, and I took it. I get $37k/yr fixed. Not really enough to live on but with SS and a self-funded annuity I can meet my expenses without touching my IRAs or other savings. Nowadays, about half or more of the tech staff is daily-hire with no company benefits. However, they are still union-represented and the company makes a contribution to the union's retirement t...
- Wed Jun 28, 2023 6:33 pm
- Forum: Personal Consumer Issues
- Topic: Push and pull questions ... and pro-tips needed for paying bills online
- Replies: 39
- Views: 3082
Re: Push and pull questions ... and pro-tips needed for paying bills online
I try not to let any entity "pull" funds from my checking account. I do sometimes use privacy.com to generate a one-time credit card number to use when paying bills. I can then close the card so it can't be used again.
- Fri Jun 16, 2023 11:44 pm
- Forum: Personal Consumer Issues
- Topic: What periodicals do you subscribe to? Cost? Print or digital? (2023)
- Replies: 94
- Views: 6159
Re: What periodicals do you subscribe to? Cost? Print or digital? (2023)
VIZ magazine...digital...about $31/yr.
Can only be viewed through their app. Found a program that displays smartphone screen on my laptop, so that works.
Can only be viewed through their app. Found a program that displays smartphone screen on my laptop, so that works.
- Tue Jun 06, 2023 12:08 am
- Forum: Personal Finance (Not Investing)
- Topic: from owning home to renting
- Replies: 32
- Views: 4982
Re: from owning home to renting
About 10 months ago I sold a small house and moved to a one-bedroom apt. Yes, it's noisier and less private. It is something one just has to get used to (still working on it). All in, I pay about the same amount each month, but I have far fewer bills. House: three tax bills each year, quarterly water bills, annual garbage fee, monthly electric & cable (internet-only), oil for heat as needed, propane for stove & water heater as needed, having the driveway plowed in winter, lawn-mowing in the summer, homeowner's insurance, PO box (no mail delivery in the village), "lumpy" expenses as needed (hey, it's a house). Apartment: monthly rent, monthly electric/gas, renter's insurance. Monthly cash-flow much more regular. Downsides: ...
- Sat Jun 03, 2023 11:50 am
- Forum: Personal Finance (Not Investing)
- Topic: Gnucash best practices/workflows/habits for a newby
- Replies: 11
- Views: 1948
Re: Gnucash best practices/workflows/habits for a newby
I've been using Gnucash for about six years to track income and expenses only.
I am a buy-and-hold three-funder. I don't track investments other than asset allocation and portfolio total (the only things that really matter), for which I use a very small spreadsheet.
I am a buy-and-hold three-funder. I don't track investments other than asset allocation and portfolio total (the only things that really matter), for which I use a very small spreadsheet.
- Sat May 20, 2023 4:25 pm
- Forum: Personal Finance (Not Investing)
- Topic: Retirement cash flow/income - could you give some examples please?
- Replies: 103
- Views: 11808
Re: Retirement cash flow/income - could you give some examples please?
Retired here, 70. I have three income streams each month:
- social security
- fixed pension from last job
- self-funded annuity
Together, they are more than enough to cover my expenses. Leftover $$ goes to Schwab taxable account. I haven't touched my Trad. or (small) Roth IRAs. I no longer own a home, just rent.
- social security
- fixed pension from last job
- self-funded annuity
Together, they are more than enough to cover my expenses. Leftover $$ goes to Schwab taxable account. I haven't touched my Trad. or (small) Roth IRAs. I no longer own a home, just rent.
- Mon May 08, 2023 2:22 pm
- Forum: Investing - Theory, News & General
- Topic: Virtual keyboard @ Treasury Direct going away?...finally!
- Replies: 48
- Views: 6314
Re: Virtual keyboard @ Treasury Direct going away?...finally!
It's 15;20 EDT and the virtual keyboard is gone. However, now the One Time Passcode is required each time one logs in. You can no longer "register" your computer. And your password is now case-sensitive.
- Fri May 05, 2023 7:27 pm
- Forum: Investing - Theory, News & General
- Topic: Schwab - settlement account pays close to nothing heads up
- Replies: 48
- Views: 11179
Re: Schwab - settlement account pays close to nothing
Any extra dollars in my brokerage account at Schwab I move to SNSXX, a treasury MM fund (7-day yield is 3.8686%). And it's state tax exempt.
- Mon May 01, 2023 9:41 pm
- Forum: Personal Consumer Issues
- Topic: Where do you buy your steak from these days?
- Replies: 52
- Views: 5770
Re: Where do you buy your steak from these days?
Sam's Club...prime--usually strip steak
- Tue Apr 11, 2023 7:35 pm
- Forum: Personal Consumer Issues
- Topic: PSA: FBI Warns Against Charging Devices in Public
- Replies: 24
- Views: 3807
Re: PSA: FBI Warns Against Charging Devices in Public
I thought there were adapters available that go between the public USB port and your device that disable the Tx/Rx pins and only pass the DC for charging?
- Fri Feb 03, 2023 1:11 pm
- Forum: Personal Consumer Issues
- Topic: What watch do you wear on a daily basis, or are you wearing today?
- Replies: 382
- Views: 33463
Re: What watch do you wear on a daily basis, or are you wearing today?
Citizen Eco-drive. Uses a photocell to charge from any light. Hasn't stopped since I've had it. Cost about $70.
- Tue Jan 10, 2023 7:44 pm
- Forum: Personal Consumer Issues
- Topic: Why Do People Like Linux?
- Replies: 254
- Views: 19148
Re: Why Do People Like Linux?
I once clicked on a seemingly innocuous ad and got the ransomware screen with keyboard and mouse lock-out. I did a hard re-boot of my Linux machine and everything was restored. I like Linux.
- Fri Dec 23, 2022 9:19 pm
- Forum: Personal Investments
- Topic: Potential long-term non-mild recession: Any actionable advice?
- Replies: 144
- Views: 13503
Re: Potential long-term non-mild recession: Any actionable advice?
Try to increase your savings rate. Try to raise your income. I don't know what you do for a living, but if you need a BS or advanced degree, or a certificate, or a license of some sort--get it. I graduated from an elite, private university, but I got my first job because I had a government license. Tinkering with your asset allocation based on "information" is always a gamble and probably won't change your life much. If you are fearful of losses, maybe your asset allocation is too aggressive.
- Fri Dec 23, 2022 8:57 pm
- Forum: Investing - Theory, News & General
- Topic: Secure Act 2.0 Signed
- Replies: 164
- Views: 22891
Re: Secure Act 2.0 Signed
You are the funniest guy here on this dour and pretentious forum. Thank you!whodidntante wrote: ↑Fri Dec 23, 2022 8:47 pm I felt a great disturbance in the Force, as if millions of plan administrators suddenly cried out in terror and were suddenly silenced.
- Mon Dec 19, 2022 10:06 pm
- Forum: Personal Consumer Issues
- Topic: Food delivered to home
- Replies: 28
- Views: 3354
Re: Food delivered to home
Many restaurants in my area (smallish city) use doordash. For a modest meal for one or two people the service fees, tips, etc. can almost double the price. Many restaurants have their own website and the prices are often lower than through the doordash website, but they may or may not deliver. The doordash website also offers pick-up or delivery. Also, restaurants with their own website often ask you to register with a username/password, which I don't like to do. Further, one also has to consider the distance from the restaurant to your home. Not all food travels well, especially in cold weather (upstate NY can get cold). In a true downtown urban area, if everything is a block or two away, it's not as much of a problem. I try to limit my us...
- Sat Dec 17, 2022 6:50 pm
- Forum: Personal Finance (Not Investing)
- Topic: How much do you keep in checking?
- Replies: 309
- Views: 30358
Re: How much do you keep in checking (2022)?
I keep a $5k floor in one checking account and about a $1k floor in another.
- Thu Dec 01, 2022 2:33 pm
- Forum: US Chapters
- Topic: What do YOU want for Christmas this year?
- Replies: 83
- Views: 7955
Re: What do YOU want for Christmas this year?
Better kidneys. No need to gift-wrap them.
- Mon Nov 14, 2022 9:58 pm
- Forum: Investing - Theory, News & General
- Topic: What are you putting in your Roth IRA?
- Replies: 138
- Views: 27500
Re: What are you putting in your Roth IRA?
69 y/o, retired. Roth IRA is 100% Vanguard LifeStrategy Growth (VASGX).
- Sat Oct 29, 2022 4:57 pm
- Forum: Personal Investments
- Topic: I Bonds purchase strategy going forward
- Replies: 21
- Views: 3977
Re: I Bonds purchase strategy going forward
My "strategy" is I buy $10k worth every year. I've been doing it for about 15 years. I don't worry about a few basis points of interest. We don't know what the future holds regarding inflation (or anything else for that matter). I now have well over 200k worth of I-bonds.
While it sounds very sophisticated to have a "strategy", sometimes a simple plan works just as well, and plain English sounds nice, too. B-school, indeed.
While it sounds very sophisticated to have a "strategy", sometimes a simple plan works just as well, and plain English sounds nice, too. B-school, indeed.
- Thu Jun 30, 2022 8:49 pm
- Forum: Personal Consumer Issues
- Topic: What recent technology has improved your life and how?
- Replies: 125
- Views: 13157
Re: What recent technology has improved your life and how?
Ubiquitous zip-lock plastic bags!
- Mon Jun 06, 2022 12:52 am
- Forum: Personal Consumer Issues
- Topic: How to keep house in good condition?
- Replies: 17
- Views: 4255
Re: How to keep house in good condition?
Take care of problems while they are still small! Applies to many things besides home maintenance.
- Wed Apr 20, 2022 5:00 pm
- Forum: Personal Finance (Not Investing)
- Topic: Googlefinance function is broken again
- Replies: 27
- Views: 2143
Re: Oh Woe - Google has VTI at 31 cents after close
Yes, I noticed, too. I'm sure they'll fix it at some point.
- Sat Mar 19, 2022 8:06 pm
- Forum: Investing - Theory, News & General
- Topic: Choosing the right Treasury Bond fund for Taxable
- Replies: 18
- Views: 2261
Re: Choosing the right Treasury Bond fund for Taxable
Why shouldn’t the op just buy duration matched bonds from treasury direct? I was just wondering this today. If one has a treasury direct account set up - as most of us now do because of I bonds, why not just buy for free on treasury direct? One doesn’t need to do the opaque (to put it mildly) auction process. If you buy the security at Treasury Direct and want to sell before maturity, you have to fill out a form and mail it to treasury direct to have the security transferred to a broker or bank and then sell it. I went through this procedure some years ago. My brokerage at that time was Vanguard. They required a medallion signature guarantee. On top of that, they reported the transfer incorrectly to the IRS. For the small amount of the bon...
- Sun Feb 27, 2022 8:54 pm
- Forum: Personal Consumer Issues
- Topic: How do YOU cook your steak?
- Replies: 149
- Views: 15768
Re: How do YOU cook your steak?
Not to derail this thread from the luscious strips and ribeyes, but does anyone have any tips or techniques for skirt steak? I just brush with olive oil, add salt & pepper, and flip it on a hot grill. As thin as it is, it is quite easy to "feel" for the doneness. I don't even use a bare hand. I gently press it with the tongs I turn it with. The "sponginess" of it is quite a good indicator of doneness. We like ours rare to medium rare, so it doesn't take long. Turns out great for us. Thanks for your reply. I was always told it had to be marinated. I use teriyaki sauce, a small amount of oil, minced garlic & onion, a dash of hot sauce or black pepper. Since I'm in upstate NY, speidie sauce is also popular for mari...
- Sun Feb 27, 2022 7:16 pm
- Forum: Personal Consumer Issues
- Topic: How do YOU cook your steak?
- Replies: 149
- Views: 15768
Re: How do YOU cook your steak?
Not to derail this thread from the luscious strips and ribeyes, but does anyone have any tips or techniques for skirt steak?
- Sun Feb 27, 2022 6:33 pm
- Forum: Personal Consumer Issues
- Topic: What are your hobbies?
- Replies: 561
- Views: 17393
Re: Hobbies for Boglehead Types?
Many bogleheads seem to derive immense satisfaction from making a work of art out of doing their taxes.
Me, I have a few beers, fill them out as best I can, and if I get called on something either pay it plus a small penalty or explain and provide documentation if I can find it.
Me, I have a few beers, fill them out as best I can, and if I get called on something either pay it plus a small penalty or explain and provide documentation if I can find it.
- Thu Feb 24, 2022 11:09 am
- Forum: Investing - Theory, News & General
- Topic: U.S. stocks in free fall
- Replies: 36221
- Views: 4685317
Re: U.S. stocks in free fall
I hear France has already surrendered.
- Wed Jan 05, 2022 3:00 pm
- Forum: Investing - Theory, News & General
- Topic: [How are you Boglehead's investing your Roth IRAs?]
- Replies: 56
- Views: 6983
Re: [How are you Boglehead's investing your Roth IRAs?]
100% Vanguard LifeStrategy-Growth mutual fund (it's about 80% stocks). Held at Schwab.
68, retired.
68, retired.
- Tue Dec 28, 2021 4:25 pm
- Forum: Investing - Theory, News & General
- Topic: New Vanguard Advisory Options?
- Replies: 17
- Views: 1696
Re: New Vanguard Advisory Options?
Bilge Plus?
Steerage Select?
Steerage Select?
- Sun Dec 12, 2021 6:21 am
- Forum: Personal Consumer Issues
- Topic: Products that last forever
- Replies: 288
- Views: 29979
Re: Products that last forever
Love RPN...rarely use anything else if I can help it. Mostly do it on the computer nowadays. Have an HP-11C but haven't used it in many years.jebmke wrote: ↑Sun Dec 12, 2021 6:08 amI still have my 12C. Can’t beat RPN for efficiency; once you master it, there is no going back. Even my Calc app on the phone is RPN.deserat wrote: ↑Fri Nov 19, 2021 1:25 pmGreat call - I still have my HP 15C from 1981 (engineering undergrad - it was very expensive then) and use it daily....boglefannyc wrote: ↑Thu Aug 13, 2020 2:43 pm My early 80’s Hewlett-Packard model 11c calculator. I still use it and it’s built like a tank. The keys are still responsive and firm with no repeating. I think it’s going to outlast me.
- Fri Dec 10, 2021 8:22 pm
- Forum: Personal Consumer Issues
- Topic: What are you listening to now
- Replies: 5833
- Views: 591128
Re: What are you listening to now
Jamie Lin Wilson's "Holidays & Wedding Rings" album. Mainstream country sound with great lyrics and songs. Album is about 6 years old. She's from Texas.
Bella White: new bluegrass music.
Bella White: new bluegrass music.
- Fri Dec 10, 2021 11:36 am
- Forum: Investing - Theory, News & General
- Topic: Why is stock investing not as popular in Europe?
- Replies: 154
- Views: 17591
Re: Why is stock investing not as popular in Europe?
I suspect that every point raised in this lengthy thread was known by Jack Bogle when he formulated his twenty percent ex-US "suggestion".
- Mon Nov 29, 2021 11:33 pm
- Forum: Personal Finance (Not Investing)
- Topic: Past discussion about financial advisors
- Replies: 4
- Views: 682
Re: Past discussion about financial advisors
I believe that planvisionmn.com was one of the advisors discussed. $189 for a single 50-minute zoom session plus a monthly fee if you want or need it.
ETA: yes, it's Mark Zoril.
ETA: yes, it's Mark Zoril.
- Mon Nov 22, 2021 5:49 pm
- Forum: Personal Finance (Not Investing)
- Topic: Are shiny money apps really necessary?
- Replies: 112
- Views: 14102
Re: Are shiny money apps really necessary?
I use Gnu-cash, an open source double-entry accounting program, to track only current year income and expenses.
I also have a short, one-page spreadsheet that calculates:
-- total portfolio size
--percent of total equities
--percent of ex-US equities within total equities.
Nothing else--no future estimates of anything, no projections, no performance numbers
I also have a short, one-page spreadsheet that calculates:
-- total portfolio size
--percent of total equities
--percent of ex-US equities within total equities.
Nothing else--no future estimates of anything, no projections, no performance numbers