I am lucky enough to say I have no debt, including no mortgage.vipertom1970 wrote: ↑Thu Apr 23, 2020 8:06 pmBut if you have a mortgage then it's a NEGATIVE bond but that's another threadscooter101 wrote: ↑Thu Apr 23, 2020 7:53 pm Well let's see, lost my job first of the year which means no health insurance in a few months.Only have about 10,000 in cash. But still 100% equities minus the cash. Pissed because I can no longer contribute towards my retirement. Will I change anything, no way, I will have the utilities turned off before I do.
How are the "100% Stocks" people doing?
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Re: How are the "100% Stocks" people doing?
Re: How are the "100% Stocks" people doing?
+1BW1985 wrote: ↑Wed Apr 22, 2020 7:11 pmYeah, that sounds ridiculous. I think people like to claim they're 100% stocks, or believe they're 100% stocks, when they're actually not.Triple digit golfer wrote: ↑Wed Apr 22, 2020 4:47 pmI am 100% stocks with 76% of my portfolio.Noobvestor wrote: ↑Wed Apr 22, 2020 3:36 pmI often wonder what percent of 100% stock investors are really more like 90/10 or even 80/20 stock/cash investors most of the timeDaftInvestor wrote: ↑Wed Apr 22, 2020 3:10 pmIf you were already 100% how could you buy more?spottedchococow wrote: ↑Wed Apr 22, 2020 3:06 pm I'm still 100% stocks and bought more when stocks dropped
Another 21% I am 100% bonds and 3% I am 100% cash.
Sounds ridiculous but I believe that many of the "100% equity" investors really aren't 100% equities.
Question, if someone had 100k stocks and a 200k home with 100k mortgage balance, than what would this person's asset allocation?
Re: How are the "100% Stocks" people doing?
Short-term reserves: 0.4%
Bonds : 2.2%
NYSE Stocks: 97.4%
No Debt -
As we get to the end of the month (I get paid monthly) this is a fairly accurate depiction of my current AA, give or take $300 in my checking account. I can say that this has been a true test of my risk tolerance and at 27yrs old I have been extracting as much liquidity as possible from my checking into my brokerage account to buy this dip. I've been in the market for about 4 years and it was hard seeing 38% gains over the course of that time get evaporated very quickly but in the back of my mind I always held an expectation of an eventual reversion to the mean in terms of returns. Continuing to stay the course as I still believe in reversion to the mean. With my holdings that would historically be ~8%. Currently I'm at about 4% so I view this as a buying opportunity for long term returns. I will continue to allocate 33% of my pay stubs to equities, the rest being for monthly expenses.
Bonds : 2.2%
NYSE Stocks: 97.4%
No Debt -
As we get to the end of the month (I get paid monthly) this is a fairly accurate depiction of my current AA, give or take $300 in my checking account. I can say that this has been a true test of my risk tolerance and at 27yrs old I have been extracting as much liquidity as possible from my checking into my brokerage account to buy this dip. I've been in the market for about 4 years and it was hard seeing 38% gains over the course of that time get evaporated very quickly but in the back of my mind I always held an expectation of an eventual reversion to the mean in terms of returns. Continuing to stay the course as I still believe in reversion to the mean. With my holdings that would historically be ~8%. Currently I'm at about 4% so I view this as a buying opportunity for long term returns. I will continue to allocate 33% of my pay stubs to equities, the rest being for monthly expenses.
Re: How are the "100% Stocks" people doing?
It is, about a 10-15% position. Mainly for 2 reasons: an inflation hedge (based on some of the writings of Bill Bernstein and others about the stocks of commodity producing companies), and because of the sometimes low correlation with other equities that I can use to possibly get a slight rebalancing bonus. For example, I rebalanced into gold miners a bit in fall 2018. Gold miners are up almost 100% since that time while most markets have been down over this time, even though they fell just as hard and far last month as everything else. To me, when I have one investment double over the same time frame as another provides no return, that is diversification in action.Lowlim wrote: ↑Thu Apr 23, 2020 3:17 pmIs gold/silver a long term position for you? If so, can you help me to understand the rational? (Note: I have literally zero knowledge of gold/silver investing)asif408 wrote: ↑Thu Apr 23, 2020 3:04 pm Doing fine here. Did a partial tIRA to Roth conversion that worked out well, rebalanced a little bit, yawned a few times. Still sticking to my <10% US stocks no US bonds portfolio. Waiting for international developed and EM value stocks to shine. In the meantime, my gold and silver mining stocks are up 70%+ in the last month or so.
I do account for valuations as well, and it hasn't hurt that valuations have been pretty low over the last 5 years or so in the gold/silver mining companies. They were much higher a decade ago. As valuations increase my position sizing decreases, and vice versa.
Re: How are the "100% Stocks" people doing?
Sleeping well at night, thank you. Never even thought about jumping ship. 56YO.
What the bold print givith, the fine print taketh away. |
-meowcat
Re: How are the "100% Stocks" people doing?
I'm 100% equities. Your emergency fund, at least mine isn't, counted as part of my portfolio, simply because it is not an investment.
What the bold print givith, the fine print taketh away. |
-meowcat
Re: How are the "100% Stocks" people doing?
I don't have an "emergency fund", I just have my portfolio. If I have an emergency (or if I want to buy a car or something) that's what the cash in my portfolio is for. Similarly, if you invest in a fund that holds cash, that fund shows the percentage allocated in cash.
Chase the good life my whole life long, look back on my life and my life gone...where did I go wrong?
Re: How are the "100% Stocks" people doing?
Apparently, your definition of a 100% stock allocation is different than most. So, how would you define an individual with a 100% stock allocation?BW1985 wrote: ↑Fri Apr 24, 2020 3:43 pmI don't have an "emergency fund", I just have my portfolio. If I have an emergency (or if I want to buy a car or something) that's what the cash in my portfolio is for. Similarly, if you invest in a fund that holds cash, that fund shows the percentage allocated in cash.
What the bold print givith, the fine print taketh away. |
-meowcat
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Re: How are the "100% Stocks" people doing?
When people say they are 100% stocks, I assume they are talking about liquid net worth which includes emergency funds. I would think that a lot of people with 100% stocks have bought a house. My definition of 100% stocks means no home ownership, and 100% net worth in stocks.meowcat wrote: ↑Sat Apr 25, 2020 4:48 amApparently, your definition of a 100% stock allocation is different than most. So, how would you define an individual with a 100% stock allocation?BW1985 wrote: ↑Fri Apr 24, 2020 3:43 pmI don't have an "emergency fund", I just have my portfolio. If I have an emergency (or if I want to buy a car or something) that's what the cash in my portfolio is for. Similarly, if you invest in a fund that holds cash, that fund shows the percentage allocated in cash.
Re: How are the "100% Stocks" people doing?
I am happy with 100% stock. In my IRA I had 55:45 (3x NASDAQ ETF:3X 20 Year US Treasuries). Tilted to 70:30, respectively. Willing to go to 90:10. Hope this helps
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Re: How are the "100% Stocks" people doing?
Wow. You are using leveraged ETFs? Very risky. These are more for day traders than long term buy and hold investors.
Re: How are the "100% Stocks" people doing?
Millennial here, first time going through a correction like this and it's pretty scary. It feels like 70%-80% of my friends have been furloughed/laid off which is hard to swallow.
I've been 100% stocks/VTSAX in all my accounts for the past 4-5 years since I graduated college. Have a 9-month emergency fund that I wouldn't touch except if I lost my job, and some leftover cash from my bonus in February that I've been putting into VTSAX every few weeks.
It's definitely scary seeing this level of drawdown, wiping out the majority of the gains for the past few years. Now I am just focusing on sticking with the plan and riding this out.
In the meantime, I'm focusing on cutting expenses as much as possible to build up some additional cash reserves for the emergency fund (more just for peace of mind).
I've been 100% stocks/VTSAX in all my accounts for the past 4-5 years since I graduated college. Have a 9-month emergency fund that I wouldn't touch except if I lost my job, and some leftover cash from my bonus in February that I've been putting into VTSAX every few weeks.
It's definitely scary seeing this level of drawdown, wiping out the majority of the gains for the past few years. Now I am just focusing on sticking with the plan and riding this out.
In the meantime, I'm focusing on cutting expenses as much as possible to build up some additional cash reserves for the emergency fund (more just for peace of mind).
Re: How are the "100% Stocks" people doing?
100 percent stock in retirement funds. 44 years old. Somewhere between 2 and 3 million invested. Haven’t really looked so don’t know where it’s currently. Don’t care.
Re: How are the "100% Stocks" people doing?
Yep, leveraged. Held it for 9 months. I check on them every 3-4 weeks. Sold Treasuries during March 20,2020 mayhem and bought more NASDAQ.smartinvestor2020 wrote: ↑Sat Apr 25, 2020 6:06 pmWow. You are using leveraged ETFs? Very risky. These are more for day traders than long term buy and hold investors.
Actually thinking of getting into S&P or Russell 2000 futures. Buy & Roll.
Re: How are the "100% Stocks" people doing?
That would be me.smartinvestor2020 wrote: ↑Sat Apr 25, 2020 10:36 amWhen people say they are 100% stocks, I assume they are talking about liquid net worth which includes emergency funds. I would think that a lot of people with 100% stocks have bought a house. My definition of 100% stocks means no home ownership, and 100% net worth in stocks.meowcat wrote: ↑Sat Apr 25, 2020 4:48 amApparently, your definition of a 100% stock allocation is different than most. So, how would you define an individual with a 100% stock allocation?BW1985 wrote: ↑Fri Apr 24, 2020 3:43 pmI don't have an "emergency fund", I just have my portfolio. If I have an emergency (or if I want to buy a car or something) that's what the cash in my portfolio is for. Similarly, if you invest in a fund that holds cash, that fund shows the percentage allocated in cash.
What the bold print givith, the fine print taketh away. |
-meowcat
Re: How are the "100% Stocks" people doing?
Thats such a high standard to hit for being considered 100% equities.meowcat wrote: ↑Mon Apr 27, 2020 8:14 amThat would be me.smartinvestor2020 wrote: ↑Sat Apr 25, 2020 10:36 amWhen people say they are 100% stocks, I assume they are talking about liquid net worth which includes emergency funds. I would think that a lot of people with 100% stocks have bought a house. My definition of 100% stocks means no home ownership, and 100% net worth in stocks.meowcat wrote: ↑Sat Apr 25, 2020 4:48 amApparently, your definition of a 100% stock allocation is different than most. So, how would you define an individual with a 100% stock allocation?BW1985 wrote: ↑Fri Apr 24, 2020 3:43 pmI don't have an "emergency fund", I just have my portfolio. If I have an emergency (or if I want to buy a car or something) that's what the cash in my portfolio is for. Similarly, if you invest in a fund that holds cash, that fund shows the percentage allocated in cash.
How would you do the basic necessities of life like paying rent, buying food, or paying for gas?
I think its just not feasable.
I think a more reasonalbe definition of "100% equity AA" is if all your investments are in equities.
Re: How are the "100% Stocks" people doing?
Mine, as well as my Wife's entire portfolio of investible assets are invested in 500 index funds and total market index funds.RPW25 wrote: ↑Mon Apr 27, 2020 10:32 amThats such a high standard to hit for being considered 100% equities.meowcat wrote: ↑Mon Apr 27, 2020 8:14 amThat would be me.smartinvestor2020 wrote: ↑Sat Apr 25, 2020 10:36 amWhen people say they are 100% stocks, I assume they are talking about liquid net worth which includes emergency funds. I would think that a lot of people with 100% stocks have bought a house. My definition of 100% stocks means no home ownership, and 100% net worth in stocks.meowcat wrote: ↑Sat Apr 25, 2020 4:48 amApparently, your definition of a 100% stock allocation is different than most. So, how would you define an individual with a 100% stock allocation?BW1985 wrote: ↑Fri Apr 24, 2020 3:43 pm
I don't have an "emergency fund", I just have my portfolio. If I have an emergency (or if I want to buy a car or something) that's what the cash in my portfolio is for. Similarly, if you invest in a fund that holds cash, that fund shows the percentage allocated in cash.
How would you do the basic necessities of life like paying rent, buying food, or paying for gas?
I think its just not feasable.
I think a more reasonalbe definition of "100% equity AA" is if all your investments are in equities.
What the bold print givith, the fine print taketh away. |
-meowcat
Re: How are the "100% Stocks" people doing?
Margin, CC’s, HELOCDaftInvestor wrote: ↑Wed Apr 22, 2020 3:10 pmIf you were already 100% how could you buy more?spottedchococow wrote: ↑Wed Apr 22, 2020 3:06 pm I'm still 100% stocks and bought more when stocks dropped
Re: How are the "100% Stocks" people doing?
Is it though? Because EF is part of your net worth. Unless your EF is in stocks? Or your EF is so small relative to your stock investments that it's only a couple percent or less, then it's a rounding error.meowcat wrote: ↑Mon Apr 27, 2020 8:14 amThat would be me.smartinvestor2020 wrote: ↑Sat Apr 25, 2020 10:36 amWhen people say they are 100% stocks, I assume they are talking about liquid net worth which includes emergency funds. I would think that a lot of people with 100% stocks have bought a house. My definition of 100% stocks means no home ownership, and 100% net worth in stocks.meowcat wrote: ↑Sat Apr 25, 2020 4:48 amApparently, your definition of a 100% stock allocation is different than most. So, how would you define an individual with a 100% stock allocation?BW1985 wrote: ↑Fri Apr 24, 2020 3:43 pmI don't have an "emergency fund", I just have my portfolio. If I have an emergency (or if I want to buy a car or something) that's what the cash in my portfolio is for. Similarly, if you invest in a fund that holds cash, that fund shows the percentage allocated in cash.
Chase the good life my whole life long, look back on my life and my life gone...where did I go wrong?
Re: How are the "100% Stocks" people doing?
This is definitely outside my risk tolerance.1130Super wrote: ↑Mon Apr 27, 2020 10:49 amMargin, CC’s, HELOCDaftInvestor wrote: ↑Wed Apr 22, 2020 3:10 pmIf you were already 100% how could you buy more?spottedchococow wrote: ↑Wed Apr 22, 2020 3:06 pm I'm still 100% stocks and bought more when stocks dropped
I was able to buy more because I had several things happen.
1.) I had a substantial tax return that I put into stocks right at the bottom.
2.) I had a substantial increase in salary due to increased work hours over the last couple of months.
Re: How are the "100% Stocks" people doing?
I am 100% stocks in my retirement accounts (just under 1M value before CV crash), but I happened to have $12,000 cash at Vanguard outside of retirement accounts waiting for an opportunity. I purchased Amazon at a little under $1,700 with that, just to get it in the market, which has done really well, though in the big picture it's chump change. Of course if I had kept powder dry and put in $100,000 into Amazon at that point it would be great, but then I would have missed out on all the growth of that $100,000 over the past years. So I'm very happy with my position, I don't watch the value or care what it does during this crisis, and I continue to invest as normal every two weeks into the market which is nice.
I did consider running to the bank to pull money out of the house to invest while the market is down, but just not worth the hassle and risks, I'll just stick with my allocation and be happy with what it gives.
I did consider running to the bank to pull money out of the house to invest while the market is down, but just not worth the hassle and risks, I'll just stick with my allocation and be happy with what it gives.
Re: How are the "100% Stocks" people doing?
Maybe it's just me, I don't know. I just don't count my EF as part of my allocation, as the funds there are not considered investible assets. They are not part of my retirement, therefore, they are not considered part of my allocation. Yes, they are part of my NW but that's about it. If you consider your EF part of your allocation, that's fine, I don't consider it part of mine.BW1985 wrote: ↑Mon Apr 27, 2020 10:59 amIs it though? Because EF is part of your net worth. Unless your EF is in stocks? Or your EF is so small relative to your stock investments that it's only a couple percent or less, then it's a rounding error.meowcat wrote: ↑Mon Apr 27, 2020 8:14 amThat would be me.smartinvestor2020 wrote: ↑Sat Apr 25, 2020 10:36 amWhen people say they are 100% stocks, I assume they are talking about liquid net worth which includes emergency funds. I would think that a lot of people with 100% stocks have bought a house. My definition of 100% stocks means no home ownership, and 100% net worth in stocks.meowcat wrote: ↑Sat Apr 25, 2020 4:48 amApparently, your definition of a 100% stock allocation is different than most. So, how would you define an individual with a 100% stock allocation?BW1985 wrote: ↑Fri Apr 24, 2020 3:43 pm
I don't have an "emergency fund", I just have my portfolio. If I have an emergency (or if I want to buy a car or something) that's what the cash in my portfolio is for. Similarly, if you invest in a fund that holds cash, that fund shows the percentage allocated in cash.
Last edited by meowcat on Mon Apr 27, 2020 11:59 am, edited 1 time in total.
What the bold print givith, the fine print taketh away. |
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Re: How are the "100% Stocks" people doing?
I’m similar age and sleeping well, too. Took the opportunity a few weeks ago to TLH from VOO to VTI and then again to VV. Now I’m back up roughly 10 percent from my low. I have no doubt it will return to and exceed previous highs before I need the money. And I got a nice tax deduction out of it.
Re: How are the "100% Stocks" people doing?
Just for the record, and I'm trying to be humble here, being 100% stocks is not something to brag about. I would never, under any circumstanced, recommend to anybody, ever, to be in 100% stocks. I know the risks I'm taking, and am willing to take them. As I said earlier, I don't know if that makes me smart, or stupid. I do know, however, that's it's paid off handsomely for me in the past, and I've gone through 2000, 2008/2009 and now this current market melt down and I've never wavered. In the end, most of my net worth will have come out of these catastrophes. I'll add bonds eventually, I'll have to, but not today.Inframan4712 wrote: ↑Mon Apr 27, 2020 11:58 amI’m similar age and sleeping well, too. Took the opportunity a few weeks ago to TLH from VOO to VTI and then again to VV. Now I’m back up roughly 10 percent from my low. I have no doubt it will return to and exceed previous highs before I need the money. And I got a nice tax deduction out of it.
What the bold print givith, the fine print taketh away. |
-meowcat
Re: How are the "100% Stocks" people doing?
Next paycheck?DaftInvestor wrote: ↑Wed Apr 22, 2020 3:10 pmIf you were already 100% how could you buy more?spottedchococow wrote: ↑Wed Apr 22, 2020 3:06 pm I'm still 100% stocks and bought more when stocks dropped
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Re: How are the "100% Stocks" people doing?
I’ve been through 87, 2000, 2008 and never wavered. Like you, I’ll add fixed income, but they’ll be CDs not bonds.meowcat wrote: ↑Mon Apr 27, 2020 12:07 pmJust for the record, and I'm trying to be humble here, being 100% stocks is not something to brag about. I would never, under any circumstanced, recommend to anybody, ever, to be in 100% stocks. I know the risks I'm taking, and am willing to take them. As I said earlier, I don't know if that makes me smart, or stupid. I do know, however, that's it's paid off handsomely for me in the past, and I've gone through 2000, 2008/2009 and now this current market melt down and I've never wavered. In the end, most of my net worth will have come out of these catastrophes. I'll add bonds eventually, I'll have to, but not today.Inframan4712 wrote: ↑Mon Apr 27, 2020 11:58 amI’m similar age and sleeping well, too. Took the opportunity a few weeks ago to TLH from VOO to VTI and then again to VV. Now I’m back up roughly 10 percent from my low. I have no doubt it will return to and exceed previous highs before I need the money. And I got a nice tax deduction out of it.
Re: How are the "100% Stocks" people doing?
meowcat wrote: ↑Mon Apr 27, 2020 12:07 pm Just for the record, and I'm trying to be humble here, being 100% stocks is not something to brag about. I would never, under any circumstanced, recommend to anybody, ever, to be in 100% stocks. I know the risks I'm taking, and am willing to take them. As I said earlier, I don't know if that makes me smart, or stupid. I do know, however, that's it's paid off handsomely for me in the past, and I've gone through 2000, 2008/2009 and now this current market melt down and I've never wavered. In the end, most of my net worth will have come out of these catastrophes. I'll add bonds eventually, I'll have to, but not today.
I don't think you're bragging.
I do find your ability to manage risk and stick to an investing plan commendable.
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Re: How are the "100% Stocks" people doing?
Exactly.DaftInvestor wrote: ↑Wed Apr 22, 2020 3:10 pmIf you were already 100% how could you buy more?spottedchococow wrote: ↑Wed Apr 22, 2020 3:06 pm I'm still 100% stocks and bought more when stocks dropped
Potential - distraction = performance.
Re: How are the "100% Stocks" people doing?
I doubled down by refinancing my house and pulling out 200k equity. I am putting an extra 1k into the market daily until it rebounds fully or I run out.
Re: How are the "100% Stocks" people doing?
Margin, CC's, HELOC to quote another user.Presintense wrote: ↑Mon Apr 27, 2020 1:18 pmExactly.DaftInvestor wrote: ↑Wed Apr 22, 2020 3:10 pmIf you were already 100% how could you buy more?spottedchococow wrote: ↑Wed Apr 22, 2020 3:06 pm I'm still 100% stocks and bought more when stocks dropped
I guess you could also sell off some of your belongings, get a windwall, tax return, or work more and increase salary.
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Re: How are the "100% Stocks" people doing?
I suppose all of the people who are “100% percent stocks” have no savings, home equity, emergency fund, cd’s, jar of pennies, etc. ?RPW25 wrote: ↑Mon Apr 27, 2020 1:37 pmMargin, CC's, HELOC to quote another user.Presintense wrote: ↑Mon Apr 27, 2020 1:18 pmExactly.DaftInvestor wrote: ↑Wed Apr 22, 2020 3:10 pmIf you were already 100% how could you buy more?spottedchococow wrote: ↑Wed Apr 22, 2020 3:06 pm I'm still 100% stocks and bought more when stocks dropped
I guess you could also sell off some of your belongings, get a windwall, tax return, or work more and increase salary.
Potential - distraction = performance.
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Re: How are the "100% Stocks" people doing?
I've always thought of 100% stocks as basically having stocks and then some (less than 10%) allocation of cash and NO bonds or CDs.Presintense wrote: ↑Tue Apr 28, 2020 7:24 am I suppose all of the people who are “100% percent stocks” have no savings, home equity, emergency fund, cd’s, jar of pennies, etc. ?
Most everyone has a checking account, maybe a savings account, a lot of folks own homes, many people have an emergency fund, but to me the main thing that distinguishes the 100% stock crowd from everyone else is that they don't own any bonds.
I actually bought a small allocation of Vanguard Total Bond (BND ETF) the other day, but I got rid of it pretty quick because it's like watching grass grow and it yields less than Vanguard Total Stock Market.
As of now, I'm 95% stocks and 5% cash. I like to associate with the "100% stocks" crowd because it's pretty close to where my allocation is at. I know the AA police don't like it but oh well.
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Re: How are the "100% Stocks" people doing?
Nothing at all wrong with being 95/5 and associating with the 100% stocks crowd. You may be closer to 100% stocks than many of them.McGilicutty wrote: ↑Tue Apr 28, 2020 7:47 amI've always thought of 100% stocks as basically having stocks and then some (less than 10%) allocation of cash and NO bonds or CDs.Presintense wrote: ↑Tue Apr 28, 2020 7:24 am I suppose all of the people who are “100% percent stocks” have no savings, home equity, emergency fund, cd’s, jar of pennies, etc. ?
Most everyone has a checking account, maybe a savings account, a lot of folks own homes, many people have an emergency fund, but to me the main thing that distinguishes the 100% stock crowd from everyone else is that they don't own any bonds.
I actually bought a small allocation of Vanguard Total Bond (BND ETF) the other day, but I got rid of it pretty quick because it's like watching grass grow and it yields less than Vanguard Total Stock Market.
As of now, I'm 95% stocks and 5% cash. I like to associate with the "100% stocks" crowd because it's pretty close to where my allocation is at. I know the AA police don't like it but oh well.
Potential - distraction = performance.
Re: How are the "100% Stocks" people doing?
My first thought!DaftInvestor wrote: ↑Wed Apr 22, 2020 3:10 pmIf you were already 100% how could you buy more?spottedchococow wrote: ↑Wed Apr 22, 2020 3:06 pm I'm still 100% stocks and bought more when stocks dropped
Re: How are the "100% Stocks" people doing?
We hold cash for emergency fund but rest is in stocks. Haven't flinched at all and sleeping well at night. Buying stocks at scheduled intervals as usual.
Re: How are the "100% Stocks" people doing?
I'm doing fine but im still working and buying stocks with each paycheck. When I retire at 60, I plan to go 70/30 stocks to G fund (G fund is a free 2% government fund, no risk, cant go down). At 70, I would be 60/40, and then at 80 I would be 50/50 and keep it that way until I die (assuming it make it to old age). When I retire, I would rebalance from G fund to re-buy stocks during market downturns. You always want to tax loss harvest and have dry powder during market downturns. A lot of money is lost initially during downturns, a lot of money is also made during those same downturns when you look over the long term.
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Re: How are the "100% Stocks" people doing?
Bought in over 100k of VTSAX at bottom of this recent mini crash. I'm 32 and 100% in VTSAX. No bonds. Hold a large amount of cash in VUSXX. Recently sold my business.
100% VTSAX in Taxable Account. |
100% VTSAX in Retirement Accounts
Re: How are the "100% Stocks" people doing?
#BuyandHold37, unfortunately, the market has only gone up since this post. Looking at MGK specifically, it seems the price has only gone up from when you sold. Did you ever buy back in? If so, at what price? If not, are you still hoping for a decrease before you buy back in?Lowlim wrote: ↑Thu Apr 23, 2020 5:53 pmI retract my suggestion. Did not mean to offend. Best of luck to you.BuyandHold37 wrote: ↑Thu Apr 23, 2020 4:35 pmThe audience here is mostly comprised of folks who do not time the market by virtue of being bogleheads....so I know exactly what kind of feedback I would get. It's really not that complicated. For example, if my cost basis of MGK was $130/share before I sold, then all I have to do is buy back in at a price of less than $130 to be "right". On top of that, by buying in at a lower cost basis I will also have more shares than I had before. For the record, today's closing price of MGK was $139.64. If you want me to come back here every time it trades below $130 and reply to your post, I can do that.Lowlim wrote: ↑Thu Apr 23, 2020 3:43 pmBuyandHold37 wrote: ↑Thu Apr 23, 2020 3:18 pmGiven the volatility we have already seen and will no doubt continue to see in the coming months, and as the true impact of this unprecedented worldwide economic shutdown fully unfolds (which it has not yet), I am quite confident.
I suggest a separate blog post. I think many people here would be interested. You could document the moves you made, when, and why. Then ultimately the post the results. You might even get some helpful suggestions when others weigh in.
I am not new to investing.....I have personally been investing since 2002, and have done quite well for myself. That said, I don't presume to think my portfolio or my philosophies are superior to those of anyone else, but they do work for me. Everyone has different appetite for risk, different knowledge level of the market....some people enjoy following the markets, and some people don't want to look at their investments until it is time to retire. If you feel like you have got it all figured out, that's great, but I would not waste your energy trying to convince other people that they are wrong and you are right, unless they ask for your advice.
Re: How are the "100% Stocks" people doing?
It seems 100% stock don’t have a universal definition so makes the question questionable. Some people include/exclude CASH/EF and different things in their portfolio.
"My conscience wants vegetarianism to win over the world. And my subconscious is yearning for a piece of juicy meat. But what do i want?" (Andrei Tarkovsky)
Re: How are the "100% Stocks" people doing?
@BuyandHold37 MKG hasn't traded below $130. In fact, it has only gone up since the $139.64 price that you quoted in your post and is now at $223.24. Are you still waiting to buy back in or did you throw in the towel and buy back in at a higher price? Do you still think that you can time the market?BuyandHold37 wrote: ↑Thu Apr 23, 2020 4:35 pmThe audience here is mostly comprised of folks who do not time the market by virtue of being bogleheads....so I know exactly what kind of feedback I would get. It's really not that complicated. For example, if my cost basis of MGK was $130/share before I sold, then all I have to do is buy back in at a price of less than $130 to be "right". On top of that, by buying in at a lower cost basis I will also have more shares than I had before. For the record, today's closing price of MGK was $139.64. If you want me to come back here every time it trades below $130 and reply to your post, I can do that.Lowlim wrote: ↑Thu Apr 23, 2020 3:43 pmBuyandHold37 wrote: ↑Thu Apr 23, 2020 3:18 pmGiven the volatility we have already seen and will no doubt continue to see in the coming months, and as the true impact of this unprecedented worldwide economic shutdown fully unfolds (which it has not yet), I am quite confident.Lowlim wrote: ↑Thu Apr 23, 2020 2:55 pmI'm curious, how confident are you that you can time this properly? In other words, what are your odds of having more value in this IRA account than if you were to have done nothing and held your original positions?BuyandHold37 wrote: ↑Thu Apr 23, 2020 2:39 pm I sold all positions in my IRA yesterday for the second time this calendar year. 2 oil positions were in the red, but the rest were all green. Net gain.
100% cash now in IRA and in brokerage....waiting to buy back in......I believe we are in for new lows in the coming months, worse than March 23rd. Now if I can just keep my greed from making me buy back in too soon for quick trades......
I suggest a separate blog post. I think many people here would be interested. You could document the moves you made, when, and why. Then ultimately the post the results. You might even get some helpful suggestions when others weigh in.
I am not new to investing.....I have personally been investing since 2002, and have done quite well for myself. That said, I don't presume to think my portfolio or my philosophies are superior to those of anyone else, but they do work for me. Everyone has different appetite for risk, different knowledge level of the market....some people enjoy following the markets, and some people don't want to look at their investments until it is time to retire. If you feel like you have got it all figured out, that's great, but I would not waste your energy trying to convince other people that they are wrong and you are right, unless they ask for your advice.
Re: How are the "100% Stocks" people doing?
i was talking to an older guy about asset allocation some time ago and he told me he had 10 years of expenses in cash but was 100% in equities. I was like that doesn't sound right.Noobvestor wrote: ↑Wed Apr 22, 2020 3:36 pmI often wonder what percent of 100% stock investors are really more like 90/10 or even 80/20 stock/cash investors most of the timeDaftInvestor wrote: ↑Wed Apr 22, 2020 3:10 pmIf you were already 100% how could you buy more?spottedchococow wrote: ↑Wed Apr 22, 2020 3:06 pm I'm still 100% stocks and bought more when stocks dropped
Re: How are the "100% Stocks" people doing?
I'm "100% stock" but I keep like 10k in cash for actually buying stuff.
So "buying more during the downturn" would be like winnowing that down to 5k or something (I did not do this, I ignored the downturn)
So "buying more during the downturn" would be like winnowing that down to 5k or something (I did not do this, I ignored the downturn)
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Re: How are the "100% Stocks" people doing?
So your 10K has no purpose?
Make sure you check out my list of certifications. The list is short, and there aren't any. - Eric 0. from SMA
Re: How are the "100% Stocks" people doing?
It gained a purpose once I realized the grocery store doesn't accept stock certificates
Re: How are the "100% Stocks" people doing?
I wish I had been 100% stocks given the returns over the past 20 years - but I've increased my exposure to approx. 80% from 73% in the past two months with six years to retirement. As long as the Fed is supporting the stock markets - it just doesn't make sense to be heavy in bonds.
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Re: How are the "100% Stocks" people doing?
Perhaps not heavy, but having some allocation in bonds (or really, anything non-equities) permits you to "buy on the dip" when the stock market invariably takes a downturn and you can rebalance.Flashes1 wrote: ↑Wed Apr 28, 2021 4:29 pm I wish I had been 100% stocks given the returns over the past 20 years - but I've increased my exposure to approx. 80% from 73% in the past two months with six years to retirement. As long as the Fed is supporting the stock markets - it just doesn't make sense to be heavy in bonds.
.. and cue the arguments about how it can be shown that with specific criteria you may have better returns if you stay 100% and thus there's no logical reason, given those criteria, to ever consider having any allocation other than 100% equities.. There are some presuppositions there that I wouldn't touch with a 39.5 foot pole.
Re: How are the "100% Stocks" people doing?
We are retired and still buying stock. The only change we made was to hold more fixed income to pay taxes related to Roth Conversions.
We count all our accounts, but we knew how much was designated as the emergency fund. We now focus on having sufficient fixed income.
"I started with nothing and I still have most of it left."
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Re: How are the "100% Stocks" people doing?
Agree. How many shares of vti is a gallon of milk? Everyone has cash to pay for the mortgage and groceries and all that other stuff. It never crossed my
Mind to include EF and cash as investment. I think when people claim to be 100 percent equities they mean their investments. I’ve become more conservative in my old age and am down to about 90-95 equities.
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Re: How are the "100% Stocks" people doing?
My BH account is 100% stocks, but I also have a Funny Money account which started off with 10% of NW as seed money and I'm growing it without rebalancing. I also have some cash, from which I DCA into BH via market timing, and the FM side as 10% of NW grows bigger to warrant more seed money deployed there.