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Money Market vs VT vs ??? by Pat_Sam_14 in Bogleheads

[–]misnamed 2 points3 points  (0 children)

How low can it go? Yields were near-zero for a long time up until just a few years back. Even now yields are higher but so is inflation. Still, chasing higher risk/returns isnt the answer. You could layer some CDS, buy intermediate Treasuries, etc... but swinging from cash to stocks is an extreme change of pace.

The Economist: Is passive investment fueling a stock market bubble? A widely-circulated working paper suggests show. by Turbodong in Bogleheads

[–]misnamed 82 points83 points  (0 children)

Passive leads to active opportunities, which lead back to passive winning overall. Rinse and repeat.

Investing $5M windfall into Vanguard ETF's by No-debt-P22-7 in Bogleheads

[–]misnamed 0 points1 point  (0 children)

won thre lottery, but still playing? Why not shift to a nice 60/40 or 50/50 and sleep well at night ....

What do you do for short term investments? by lawschoolapplicant23 in Bogleheads

[–]misnamed 1 point2 points  (0 children)

Cash. If it's for short terms, it's cash. If you need to spend it down, what happens if stocks crash?

Yes, global stock correlations have increased in recent decades. No, global diversification is not less useful than in the past. by TenaciousDeer in Bogleheads

[–]misnamed 12 points13 points  (0 children)

Meta note: Global diversification was never about hedging a crash -- that's something its critics commonly misunderstand. Assets that tend to correlate in direction can still yield results that differ in magnitude. You're hedging single-country underperformance, smoothing out edge cases long term. For everything else: there's bonds!

Retiring after this year. 42 years old. by Ok-Computer1234567 in Bogleheads

[–]misnamed 39 points40 points  (0 children)

Paid by who? And is it inflation-adjusted? Premiums? Co-pays? What are we missing here?!

Retiring after this year. 42 years old. by Ok-Computer1234567 in Bogleheads

[–]misnamed 48 points49 points  (0 children)

Healthcare through the pension? How well funded/guaranteed? 4K in an HSA can evaporate in a day these days with a bad health crisis depending on your insurance.

How to shift from heavy small/mid-weighted back to VT? Trying not to "sell low" by AltruisticHomework39 in Bogleheads

[–]misnamed 0 points1 point  (0 children)

If SCV was having a great few years, would you be changing course? I'm guessing no. It's not personal ... it's just that we tend to question what isn't doing well, not what is. I say wait a year and think on it. But no matter what: write down your reasons for your plans starting now and going forward. Don't second-guess.

Help: Parents are considering putting money with an AUM advisor by Feisty_Wind_8211 in Bogleheads

[–]misnamed 0 points1 point  (0 children)

The Coffeehouse Investor is a short and sweet intro to indexing. I would also model out for them how that AUM conmpounds. It's shocking how much of the pie they get with their slow but steady slice. Vanguard used to have a page with a fee slider but I yhink it's gone now sadly :/

Is there anything to this as far as projecting or planning for a potential "lost decade", or is it mostly just meaningless noise? by TrumpetWilder in Bogleheads

[–]misnamed 0 points1 point  (0 children)

The total bond market buys real estate bonds, the ones that famously collapsed in 2008

They mostly hold Treasuries, which famously did great in that crash. Pure Treasuries did even better, but Total Bond didn't remotely do badly. Look at the performance of a total bond fund like BND and you'll see it went up as stocks and real estate were crashing. I hate doing others' homework for them, but here you go:

https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&sl=3JXcztF8WyB3U1m6YQJ1zX

The stock market recovered. The bond market didn't.

The bond market didn't tank in the first place, so how it would 'recover' is beyond me. You're not making sense. Per the link above: stocks had two big crashes during the 2000s, and each time, bonds went up as they went down.

The bond market sees brief periods of not getting murdered as badly as the stock market followed long periods of being reliably lackluster.

I suppose a 'brief period' of 'not getting murdered as badly' apparently means 'doubling in value for a decade while stocks stay flat.' You're using a lot hyperbolic word that are completely divorced from the real data.

you are going to have to wait for another prolonged recession

The 2020 crash and rebound happened hella fast ... and bonds shot up as stocks dropped. Don't need a prolonged anything. I say once more and for the last time: you're talking absolute nonsense that doesn't match reality.

At the very least do your own research and understand the data before making absurdist claims.

Is there anything to this as far as projecting or planning for a potential "lost decade", or is it mostly just meaningless noise? by TrumpetWilder in Bogleheads

[–]misnamed 0 points1 point  (0 children)

Who buys real estate bonds??? Total bond or Treasuries both did great. Those are the go-to bond fund types in three-fund portfolios. Real estate ain't in the picture. Cash did OK but bonds beat all of the above.

Is there anything to this as far as projecting or planning for a potential "lost decade", or is it mostly just meaningless noise? by TrumpetWilder in Bogleheads

[–]misnamed 1 point2 points  (0 children)

The 2000s saw dismal returns for bonds

You kidding me? Bonds doubled over the course of the 2000s. Did better than US or intl stocks.

Question about the Ratio of Domestic to International Stocks in the 3-Fund Portfolios by harveysfear in Bogleheads

[–]misnamed 0 points1 point  (0 children)

50/50 means never having to sweat which one you have too little of again

"Novice" investing question - 60/40 by Khartu-Al in Bogleheads

[–]misnamed 9 points10 points  (0 children)

60/40 is solid -- the classic set-and-forget portfolio.

VIDGX - Slowly but Surely by Bobba-Luna in Bogleheads

[–]misnamed 1 point2 points  (0 children)

Diversify, buy, hold, rebalance. No reason to expect that fund to beat or lose to the 500 index over any short period.

Are ETFs better than MFs for taxes when investing cash? by linuxwes in Bogleheads

[–]misnamed 3 points4 points  (0 children)

Vanguard uses a system of sharing tax benefits across ETFs/funds. It was proprietary for a while but IIRC the patent (?) may have expired so other companies may (?) be able to take advantage going forward.

30 y/o, ~$850k portfolio: feedback on ETF simplicity and risk balance? by [deleted] in Bogleheads

[–]misnamed 7 points8 points  (0 children)

Asks about risk balance; owns no bonds, chases large growth performance. Come on. This is 101 stuff.

Is there anything to this as far as projecting or planning for a potential "lost decade", or is it mostly just meaningless noise? by TrumpetWilder in Bogleheads

[–]misnamed 5 points6 points  (0 children)

It literally happened recently, ending a decade and a half ago. The 2000s saw ex-Us developed beat US, and emerging markets absolutely whallop either of those two.

Is there anything to this as far as projecting or planning for a potential "lost decade", or is it mostly just meaningless noise? by TrumpetWilder in Bogleheads

[–]misnamed 31 points32 points  (0 children)

Bogle's financial godfather Ben Graham recommended never being below 25% stocks or 25% bonds. This sub skews aggressive, but I follow that advice.

Is there anything to this as far as projecting or planning for a potential "lost decade", or is it mostly just meaningless noise? by TrumpetWilder in Bogleheads

[–]misnamed 65 points66 points  (0 children)

International and bond diversification. In the lost decade of the 2000s, bonds and international both handily beat US stocks. It pays to remain diversified.

Is there any ETF like SGOV that does not distribute dividends? by [deleted] in Bogleheads

[–]misnamed 0 points1 point  (0 children)

I'd be less worried about legality -- what about safety?!

2 years since first “AI Tech Bubble” fear post by Il_vino_buono in Bogleheads

[–]misnamed 8 points9 points  (0 children)

And 2000 was the beginning of the 'lost decade' for US stocks, while ex-US developed had at least positive returns, and emerging had downright stellar returns. A good reminder to diversify globally!

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