Investing - Theory, News & General • International (Non-US) versus US...
This is what Vanguard published in Dec 2019: https://corporate.vanguard.com/content/ ... eport.htmlThe US market has gone up ~2x since then (and that’s after experiencing 25% drawdowns twice in that...
View ArticlePersonal Investments • Is a Bear market the ideal market to retire?
If the market drops 30%, and you can retire, then you’re in a pretty good place.Statistics: Posted by rockstar — Mon Dec 16, 2024 11:12 am — Replies 128 — Views 16539
View ArticlePersonal Consumer Issues • "Good enough" online security?
Biggest risk will be what other people do with your data. That’s why bureau freezes are so important.And switch to encrypted messengers. China is still actively exploiting US telecoms.Statistics:...
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Investing - Theory, News & General • A New and Improved Analysis of the...
CorrelationsAs we can see VUG's lowest correlation is obviously VGLT, its next lowest is JNK, its next lowest is VBR, and International is last on the non-correlation ranking.Thus we see that VGLT is...
View ArticlePersonal Finance (Not Investing) • Roth Conversion - Penalty for EOY?
Thank you Stinky! 1. Move $100,000 into your traditional IRA settlement fund, if it's not already there.I wanted to clarify for step 1--you have to move $100,000 from your tradition IRA into your...
View ArticleInvesting - Theory, News & General • Can you invest a little or no...
One has to have the knowledge that little knowledge is required.Well said.Generally agree, although the relative simplicity of indexing still takes effort and time to realize and understand (acquire...
View ArticlePersonal Investments • Smoothing Income to Optimize Tax Efficiency in Retirement
This Mike Piper video about Roth conversions is worth a watch, covers aspects that most folks don't really consider- https://www.youtube.com/watch?v=Wjbf9KVSG7sI’ve been toying with the idea of Roth...
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Personal Investments • What's your age and % of TIPS in your bond allocation?
That's a great question! After all, we talk so much about stock/bond allocation but we forget that allocation within the fixed income portion is also an important factor.I am thinking about something...
View ArticlePersonal Finance (Not Investing) • Umbrella Insurance Policy
My personal umbrella renewal just came in at $750 for $1 million coverage. I suppose that is what two additional drivers add.Probably true. Our kiddo is only 3 so I doubt he's factoring into increased...
View ArticleInvesting - Theory, News & General • New Article on WCI comparing...
Good luck with your planStatistics: Posted by dknightd — Tue Dec 17, 2024 11:09 am — Replies 21 — Views 713
View ArticlePersonal Investments • Retiring at 39 & 100% Out of Stock Market - How to...
Look at ERN's Early Retirement Now and Tyler's PortfolioCharts work. This topic has been discussed ad nauseam on this forum. TLDR:* 60/40 might not be 'safe' for 50-60Y retirements* 3.5-4% of initial...
View ArticleInvesting - Theory, News & General • Why hasn't my fund suddenly dropped...
You might want to check the Fees & Distributions information to see when dividends were paid in prior years to get a guesstimate for this year:https://fundresearch.fidelity.com/mutua ......
View ArticleInvesting - Theory, News & General • Shiller PE now near 39 - 2nd highest...
VBR has actually captured small and value quite well since 2019...https://www.portfoliovisualizer.com/fac ... 3X3jTDEoUFrom your link:VBR: Size (SMB) 0.54AVUV: Size (SMB) 0.83Statistics: Posted by...
View ArticlePersonal Investments • Helping aging In Laws - Charles Schwab IRA
Hi. Your always so helpful. Please confirm that I am on the right track.Aging In Laws (one with severe cognitive decline). I am working to help them on the equity piece of their portfolio (cash/bonds...
View ArticlePersonal Finance (Not Investing) • US Bank 4% Smartly Visa Credit Card
Many banks have restrictions on how much you can push money out using their ACH system. You can usually get around it by doing a wire transfer (but with a fee) or pulling the money out using an...
View ArticlePersonal Finance (Not Investing) • Inherited IRA questions
Very helpful everyone; thanks so much!Think we'll withdraw $5k this year, to ensure the RMD is satisfied. We would be withdrawing $5k from a different account this year anyway, so even if she already...
View ArticlePersonal Finance (Not Investing) • Retirement: From where to pull and in what...
I know this is a hypothetical, but how would someone have $15M in a Traditional IRA if they are 50 years old and the annual input cap is around $7k? I'm guessing it's an inherited IRA? But if that's...
View ArticlePersonal Investments • 401k or Roth 401k
Like many posts, more details are likely needed.Is the choice: Max deferred AND some Roth? less than Max deferred, NO Roth? Only Roth, no deferred? (or something not covered above).As far as future...
View ArticleInvesting - Theory, News & General • "Are Annuities a Better Fit for...
It's not Wellesley paying those dividends it's the underlying investments that pays those dividends . The choice between a SPIA and stocks and bonds is about risk toleranceWellesley has provided...
View ArticlePersonal Investments • Anyone else have trouble tolerating bonds?
We have an entire generation of investors who have never really had a truly bad multi-year time.I believe this is exactly WHY the stock market has cycles every 20-30 years.Every new generation has to...
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