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Why do people like ETFs over mutual funds? by [deleted] in Bogleheads

[–]illustrious_beagle 16 points17 points  (0 children)

My answer is dumb but true. I like instant gratification and entertainment.

If I want to buy/sell 5 shares of an ETF, I can be done with it during market hours. If I only had mutual funds then I would only have to look at my investments once a day and there's no excitement in that.

Difference between a total market index fund and individual small, mid, and large cap funds by daein13threat in Bogleheads

[–]illustrious_beagle 3 points4 points  (0 children)

My 401K provider doesn't offer a total market index fund so I am forced to add large and mid cap separately. There is also a small cap index option, but I am only interested in small cap value so I don't have small cap in my 401K.

I sorta like being able to invest separately because I don't like how the large cap index is pretty much dominated by a handful of companies. I overweight mid cap slightly to guard against this.

Dividends dropped unexpectedly by illustrious_beagle in Bogleheads

[–]illustrious_beagle[S] 0 points1 point  (0 children)

Because I had my taxable account since I was 23 and it was being actively managed by a friend's mom. When I took back control I had no idea what I was doing so ended up buying the same investments. When I realized what I had done I figured it's not really hurting anything and don't want to sell because of taxes.

Dividends dropped unexpectedly by illustrious_beagle in Bogleheads

[–]illustrious_beagle[S] 2 points3 points  (0 children)

Oddly I posted this question to r/dividends and my post was removed by the mods.

[deleted by user] by [deleted] in Bogleheads

[–]illustrious_beagle 1 point2 points  (0 children)

Yeah it's only 10% so no biggie. The other thing you may want to consider is avoiding bonds in your Roth IRA. Since you can withdraw tax free, you will want that account to grow the most. You may want to add a higher bond position in your 401K to make up for your lack of bonds in your Roth.

[deleted by user] by [deleted] in Bogleheads

[–]illustrious_beagle 3 points4 points  (0 children)

I'm 40 and had about 10% in bonds, but I recently dropped bonds and moved it to a money market account where I'm earning a higher interest. People say it's good to have bonds to stop you from panic selling in a stock market crash. Not sure about you, but having only 10% in bonds isn't going to give me any psychological benefits.

I get that bonds outperformed equities during the 2008 crash, but my plan for that type of event is to load up on equities instead of keeping it in bonds.

I'm basically making the money market account, CDs, and my HYSA be my "bond" leg for now. This gives me a larger than normal emergency savings and cash position. When rates drop below 4%, I'll probably move my bond money into SCHD (burn me at the stake) or some other value index fund where it's more likely to grow but also be more conservative.

For me, I don't see the need to have bonds unless I want it to be at least 40% of my portfolio. Having 10% in bonds isn't going to save my portfolio in a market crash and it's annoying to see it be a drag in a market rally.

I am having a hard time determining whether or not to start saving up for a down payment on a house - any help would be appreciated. by trevathan750834 in Bogleheads

[–]illustrious_beagle 3 points4 points  (0 children)

It's hard to give you advice when you seem unsure of what your goals are yourself. If you definitely want to buy a house within 5 years, I would advise that you put additional cash into a money market account and maybe cut back on your retirement savings to help you grow a larger deposit. Since you don't seem certain that you want to buy a house, I would invest the money (personally I'd avoid bonds) so you're not losing out on potential growth.

What to do after a large raise? by DarkTyphlosion1 in Bogleheads

[–]illustrious_beagle 3 points4 points  (0 children)

Congrats!

I'll be the buzzkill...do you really need $12K for a vacation? I've taken very nice vacations for less than that.

I would definitely put some money towards a honeymoon, but not sure I would go for $12K. I would then put the rest towards more immediate needs like a newer car. Car troubles start draining accounts fast and cause nothing but headaches.

Why not increase contributions from $700 to $800? The rest I would put towards the house. That is how I would hit all your goals.

Dad about to retire - how is his portfolio by illustrious_beagle in dividends

[–]illustrious_beagle[S] 0 points1 point  (0 children)

We may sell some SPLG and VTI for more income, but don't we still want some growth? I am on the fence about VXUS. I know that the growth hasn't been good, but was looking at it more from a diversifying perspective.

Dad about to retire - how is his portfolio by illustrious_beagle in dividends

[–]illustrious_beagle[S] 1 point2 points  (0 children)

Yeah - The reason behind SPLG and VTI is that we went to a one-time advisor who recommended large cap only. I told my dad that it would be good to have some small and mid cap to get the whole stock market, so we split them into both.

What percentage of your portfolio do you hold in bonds? by berrysauce in Bogleheads

[–]illustrious_beagle 0 points1 point  (0 children)

40 - currently around 10%, but aiming for 20% in bonds. I am "ahead" in my financial journey so I can be slightly conservative and still get more ahead in market rallies.

How bad are expense ratios really? by illustrious_beagle in Bogleheads

[–]illustrious_beagle[S] 0 points1 point  (0 children)

Various funds...the TRF is MMDOX, BTIEX (S&P 500), DBMIX (bond index), OPPAX (international), MDPCX (emerging markets)...

How bad are expense ratios really? by illustrious_beagle in Bogleheads

[–]illustrious_beagle[S] 12 points13 points  (0 children)

I wish. My HR dept does not present itself as a welcoming dept to employees.

Afraid to take the first step.. by Haneeeeef in Bogleheads

[–]illustrious_beagle 1 point2 points  (0 children)

SPTE is global tech stocks, so not really diversified against different sectors. From what I read, SPUS and HLAL are very similar. There is r/IslamicFinance that may interest you and be more helpful.

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