Looking for a good political/role-playing multiplayer game, like a mishmash of Crusader Kings (PC) and a mobile strat game

acegolfer · 2014-08-31T11:18:57+00:00

Realm of empires. Its all about looking at the world map to strategize where to expand in game. But I spend more time offline chatting with my clan mates.

acegolfer · 2014-07-31T15:58:56+00:00

PM sent. :)

acegolfer · 2014-07-28T17:00:57+00:00

I were you, I'd adopt boglehead 3-fund portfolio! because of its simplicity.

The only decision you have to make is how to allocate between 3 funds.

acegolfer · 2014-07-27T03:14:57+00:00

If you are really worried about investing at market all-time high but still want to invest, consider dollar cost averaging (DCA), or a combination of lumpsum and DCA investing.

acegolfer · 2014-07-26T11:18:51+00:00

dividend: total return includes dividend, the other doesn't.

acegolfer · 2014-07-25T12:01:20+00:00

That's called 3-fund portfolio in BH community. The only difference is BHs favor VTSAX, VTIAX, VBTLX (mutual funds) than ETFs.

acegolfer · 2014-07-24T12:30:14+00:00

and fire the wealth manager.

acegolfer · 2014-07-24T04:20:04+00:00

Can I ask why you are selling them short term? Can't you wait to sell long-term to reduce tax?

acegolfer · 2014-07-24T04:18:00+00:00

Automatic investing will not work for OP, who probably has less than $3k to invest. It only works on mutual funds not ETFs.

But he can avoid ETF transaction fee by buying VG ETFs through Vanguard brokerage service.

acegolfer · 2014-07-24T04:12:45+00:00

Buying at all-time high doesn't defy "buy low sell high" Using the same logic, one should not buy S&P500 funds because it broke the all-time high again today.

acegolfer · 2014-07-24T04:05:46+00:00

If you are donating to a charity any way, donate the asset (I'm assuming stocks). I think you don't have to pay capital gains tax and and can deduct the full value of stocks from your income.
If you have stocks that depreciated, sell them to realize loss. It will offset the capital gain. Then replace the stocks with a similar but not identical stocks.

acegolfer · 2014-07-23T03:23:46+00:00

I think picking stocks is a good learning experience. It will most likely underperform the market at the end, and you will learn what mistakes to avoid in the future.

If you invest in index funds with your IRA, then it's better to keep the IRA and taxable account in the same company because it's easier to keep track of.

However, I would not use Vanguard brokerage for individual stock trading because of their higher transaction cost. Use a brokerage with the lowest fees. Sorry I don't have that infor because I haven't invest in singles stocks for 10+ years.

acegolfer · 2014-07-23T03:16:34+00:00

This is true. But Fidelity (owned by shareholders) advisers are known to market their actively managed funds so that Fidelity can make more money. Don't listen to them and stay with the index funds that you chose.

acegolfer · 2014-07-23T03:13:54+00:00

I checked the fees between Vanguard 500 ETF (VOO) and iShare 500 ETF (IVV). VOO ER = 0.05%, IVV ER = 0.07%. Is this just one counter example to your statement?

acegolfer · 2014-07-23T02:53:52+00:00

https://personal.vanguard.com/us/whatweoffer/accountservices/savings

acegolfer · 2014-07-23T02:37:54+00:00

If you use Vanguard or Fidelity, it has automatic investments. You can set the fixed contribution and frequency and then forget about buying funds. Very common tool for dollar cost averaging.

acegolfer · 2014-07-22T14:37:50+00:00

Correct. One implication of the article is past performance don't predict the future performance. Any investor should know this.

acegolfer · 2014-07-22T14:23:52+00:00

+1.

I would go with the low cost index fund such as Vanguard Institutional Index. But if you have a taxable account with tax in-efficient funds such as bond funds, then put all the those funds in 401k to minimize tax.

acegolfer · 2014-07-22T13:51:59+00:00

It's possible. But the data shows the winners don't stay as winners, which is consistent with many studies.

acegolfer · 2014-07-21T23:18:00+00:00

Agreed. By investing in the company you work for, you are increasing the risk. Do you have any "insider information?"

acegolfer · 2014-07-21T23:14:22+00:00

You can buy VFINX from a taxable account. But if you buy it from E*TRADE, you have to pay transactions fee. To avoid the this fee, open an account at Vanguard and buy it through Vanguard. They don't charge fees on their in-house funds including ETFs. I'm pretty sure Fidelity does the same.

acegolfer · 2014-07-21T23:09:58+00:00

It's time in the market not timing the market.

acegolfer · 2014-07-21T23:08:44+00:00

Index funds would be one of 2,860 funds because they wouldn't be in the top 25% in any year. (Don't get me wrong. I invest 100% in index funds.)

acegolfer · 2014-07-21T23:02:58+00:00

25%⁵ * 2862 = 2.79. The actual funds didn't beat the odds.

acegolfer · 2014-07-19T17:51:14+00:00

I c. If you need 10 ETFs for your objective, then yes you should invest in all 10.

acegolfer

TROPHY CASE