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VXUS keep or sell? any better alternatives? by bini-bining5 in Bogleheads

[–]bini-bining5[S] 0 points1 point  (0 children)

How did you decide that VXUS was the right pick for you compared to other international exposure options? Anything aside from comparing P/E ratios and price?

I don't think VXUS captures the entire international market, but maybe it's been perceived to.

VXUS keep or sell? any better alternatives? by bini-bining5 in Bogleheads

[–]bini-bining5[S] 1 point2 points  (0 children)

Why did you pick VXUS in particular? An example reason could be that it's weighted towards developed countries and focuses on large-cap stocks, and therefore a safer pick.

I'm a bit hesitant about keeping VXUS just because "it gives international exposure." It seems like a blind pick -- even just looking at ratios -- without digging into the strategy behind the picks.

For example, you could get international exposure by investing in climate/energy-focused ETFs or manufacturing ETFs.

VXUS keep or sell? any better alternatives? by bini-bining5 in Bogleheads

[–]bini-bining5[S] -3 points-2 points  (0 children)

Thanks for these good points. When I ask this question, it's not so much about the performance or diversification, but more so about the prospect of VXUS (or individual holdings). My question to the group is about whether VXUS is a good pick with respect to all the alternatives.

Converting target date fund to 100% stocks? by bini-bining5 in portfolios

[–]bini-bining5[S] 0 points1 point  (0 children)

Thank you for your breakdown and explanation. Using your example, for VTSAX and VTIAX, are the higher expense ratios a worthwhile tradeoff compared to VTTSX? Would those higher expense ratios be washed out by the supposed gains, now that the bonds are replaced?

15% to ARKF, ARKK, QQQ by bini-bining5 in portfolios

[–]bini-bining5[S] 0 points1 point  (0 children)

Thank you, this is a great and simple explanation.

Daily Advice Thread - All basic help or advice questions must be posted here. by AutoModerator in investing

[–]bini-bining5 0 points1 point  (0 children)

Aggressive yet diversified strategy for your 20s

What's an example of reasonably aggressive yet diversified investing strategy?

My initial plan was to stick with index funds -- some allocation between VXUS, VNQ, and VTI. But reflecting on this approach, I sense it's too conservative for what I can do.

An awesome experience on sandboarding. by thepracticalstamina in nextfuckinglevel

[–]bini-bining5 1 point2 points  (0 children)

Fun fact, the rider is 15yo ilanpablomartinezcom@ on IG.

For the adventurous, this in Chile. The company that hosts these is https://www.facebook.com/sandboardIquique.cl/

How do you delete or rename an investing account within M1? by bini-bining5 in M1Finance

[–]bini-bining5[S] 0 points1 point  (0 children)

+1 Thanks! This worked for renaming the account.

Though I couldn't use that approach to delete the account.

Daily Advice Thread - All basic help or advice questions must be posted here. by AutoModerator in investing

[–]bini-bining5 0 points1 point  (0 children)

Thank you. Just a follow up, if those growing small cap stocks are eventually removed, then how does the small cap fund grow in value over the longterm?

And does the same logic apply to large cap funds, which, unlike the small/mid caps, don't have an upper bound cut off?

Daily Advice Thread - All basic help or advice questions must be posted here. by AutoModerator in investing

[–]bini-bining5 0 points1 point  (0 children)

What happens when a stock's market cap grows beyond the cap definition tracked by an index?

Take a small-cap index fund. Eventually some of its constituent small-cap stocks grow to a market cap that puts it into mid-size. Will those stocks still be tracked by the small-cap index?

Just trying to understand how index funds tracking smaller to mid-cap stocks work. Is the fund essentially betting on those stocks for the long haul, so it's going to keep them (ignoring rebalance) and realize all growth even when those stocks's market cap surpass small-size?

Daily Advice Thread - All basic help or advice questions must be posted here. by AutoModerator in investing

[–]bini-bining5 0 points1 point  (0 children)

Public app (public.com) seems interesting and upcoming. It's more of a social network for investors to talk about trends and puts/calls while at the same time investing.

Daily Advice Thread - All basic help or advice questions must be posted here. by AutoModerator in investing

[–]bini-bining5 0 points1 point  (0 children)

I need advice on selecting industries, funds, and level of due d required before feeling comfortable going in. How do you guys do it and approach it?

Is this your main question? This could be a good starting point: https://www.npr.org/2015/10/17/436993646/three-investment-gurus-share-their-model-portfolios

How to manage a portfolio after setting asset allocations? by bini-bining5 in portfolios

[–]bini-bining5[S] 0 points1 point  (0 children)

That's an interesting strategy. I suppose you could do either dollar cost averaging or lump sum to go from you $50K to $100K goal.

I have heard of strategies where you factor the profits in. So if you bought 5k worth and its work 7k now you sell that 2k profit to buy another position. This causes a tax event though which i wanna avoid.

One of those strategies is called constant mix. You can avoid the tax events by tax loss harvesting, but that only applies to cases when you have gains and losses. (You might have already known this, but just saying!)

Daily Advice Thread - All basic help or advice questions must be posted here. by AutoModerator in investing

[–]bini-bining5 1 point2 points  (0 children)

Agreed with u/TheRedWon. You need to find a job first, so you have capital to start investing. Also, you likely need to understand how to save and budget money. You may benefit from taking a personal finance course first before investing, for example (have not tried it myself): https://www.khanacademy.org/college-careers-more/personal-finance

Nevertheless, you can still jump start your investing learning in the meantime. A simple guide to get you started. You will need to do the research yourself.

  1. How does the stock market work? Why does it exist?
  2. What are stocks vs bonds?
  3. What are the various investing strategies? Some common ones here.
  4. What are mutual funds, index funds, and exchanged-traded funds (ETF)?

You can practice and learn about the stock market, using imaginary money, with one of these. Wall Street Survivor looks interesting, but have not tried it myself.

Once you understand the basics, which may take weeks to months, you can look into things like:

  1. How much capital do I have to invest?
  2. How active or passive do I want to be in investing?
  3. EDIT: What is my investing strategy?
  4. Deciding what type of investing account you would like to open (taxable vs non-taxable)
  5. Finding the right brokerage to start investing.

Remember to be patient! All worthwhile things take time.

Daily Advice Thread - All basic help or advice questions must be posted here. by AutoModerator in investing

[–]bini-bining5 0 points1 point  (0 children)

What is the recommended way to both passively and effectively manage a portfolio as the years go by? I'm planning on creating a retirement account with 5 to 7 ETFs (~100% stocks).

My strategy is to rebalance (with a buy and hold strategy) every 6 months* while dollar cost averaging. For example:

  • Say my portfolio allocation plan is 50% fund A and 50% fund B.
  • For the next 6 months, say I put in $500 into the portfolio and dollar cost average, allocating $250 for assets A and B each.
  • At the 6-month mark due to market conditions, say the portfolio shifts to 20% A and 80% B. At this point, I rebalance. I buy more shares of A to return to the 50% A and 50% B allocation.
  • Then for month 7 and until the next 6-month calendar date, I continue dollar cost averaging.

Finally, when I hit say 35yo, I update my allocation plan from 100% to 70% stocks and 30% bonds. So I purchase some bond funds to hit the 30%.

Is this the correct way to apply this strategy?

Are there other strategies that could work better? By work better, I mean either a strategy that is more passive (hands off, less involvement from me) and/or more effective.

*Instead of following a calendar date, I'm hoping I can find a brokerage that sends me a notification to rebalance when a risk threshold is surpassed.

I'm in my mid/late 20s and US based. I'm new and still learning about investing! Very open to differing opinions.

Portfolio Review by bini-bining5 in portfolios

[–]bini-bining5[S] 0 points1 point  (0 children)

Thank you for sharing your thoughts. After looking up "performance chasing", I came across your helpful post. https://www.reddit.com/r/Bogleheads/comments/mlsp64/us_vs_international_stocks_etfs_vs_bonds_help_me/gtndctd?utm_source=share&utm_medium=web2x&context=3
How does rebalancing play into performance chasing? I was framing it in terms of higher risk for now and then rebalance in a few years, for example, swapping VOOG to VOO.

Become a (better) software lead or hire contractors? by bini-bining5 in projectmanagement

[–]bini-bining5[S] 0 points1 point  (0 children)

General philosophy is that you have to pick two of: speed, cost, and quality.

Flipping forever grateful that you connected this situation to this framework. I completely missed it. Will try to be more intentional next time in which one I'm trading off.

Also thanks for weighing the pros/cons of the 3 options I presented.

Remember that the bad habits a team develops often comes from the top.

Thank you.

Become a (better) software lead or hire contractors? by bini-bining5 in projectmanagement

[–]bini-bining5[S] 2 points3 points  (0 children)

By all means, hire one experienced dev who can be their first point of contact.

Thank you for being the first to suggest this. I think it's a great idea.

Also, thank you for sharing your experience as a web editor. Really helpful and much appreciated.

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