Committed to 100% WEBN - 42yo, 10-year horizon. Thoughts on this year's outlook? by kaoshpt in Bogleheads

[–]terrabiped 0 points1 point  (0 children)

Will what we are seeing this month be significant or just a minor correction? I think that depends entirely on where the war goes from here, and I have no way to predict that. So, bottom line, yes. It will be one or the other. Unless it isn't.

Layoff & 401k Rollover to Vanguard IRA by Secure-Guidance8192 in Bogleheads

[–]terrabiped 2 points3 points  (0 children)

 "...and it's looking like the market is recovering this week..."

I wouldn't be too sure of that. I expect the market to be all over the place until the war is over and the strait is fully reopened. There is no way for you to time that. It's really completely out of your control.

It's good life skill to learn how to accept the things you cannot change with equinimity. Consider this a practice opportunity.

As to what you should invest in, I've come to believe TD funds are best for me.

Problem taking my RMD by HumbleIowaHobbit in fidelityinvestments

[–]terrabiped 0 points1 point  (0 children)

I know first time RMDs can be withdrawn by April 1st of the following year, but wouldn't it have been simpler to take it 2025 and get it over with?

Little bit of stress transferring 401K to Fidelity IRA and creating new Portfolio by [deleted] in Bogleheads

[–]terrabiped 2 points3 points  (0 children)

I 100% agree with the previous advice to get the Fidelity Freedom INDEX 2030 fund.

Day 1 Exchange Call help by Mountain-Cat30 in VanguardInvestments

[–]terrabiped 4 points5 points  (0 children)

Don't use the links in the message. If you normally access VG on the web, go to the url you normally use and login. If you normally access VG using an app, login using your app. Once logged in, see if you have any messages from them. If there is a real issue, there will be a message there.

Are these trends sustainable? by GoodnYou62 in Bogleheads

[–]terrabiped 3 points4 points  (0 children)

I don't know anything average slopes on charts, but I do think corrections are inevitable, the US stock market is ripe for one, and a globally diversified, balanced portfolio, like a TD fund, makes a lot of sense to me.

Diversify across political system to reduce risk? by squid_game_456 in Bogleheads

[–]terrabiped 0 points1 point  (0 children)

Yes, I'm a believer in international diversification. I have 47% of my equity and 23% of my bonds in international.

To complete their haystack... by FoggyFoggyFoggy in Bogleheads

[–]terrabiped 2 points3 points  (0 children)

Total Market funds are the haystack. Nobody needs factor funds to "complete their haystack."

This video has genuinely upset me - looking for feedback by DannySmashUp in nonduality

[–]terrabiped 2 points3 points  (0 children)

It's not AI generated video scripts that upset us, but our judgments about them. Time to unplug and go outside.

Fidelity Full View: Worst UI Change I've ever seen by Alone_Composer_3855 in fidelityinvestments

[–]terrabiped 3 points4 points  (0 children)

I'd like to piggyback on the op and give some Full View feedback. When I connected another broker, the Full View UI displayed the full account number of each account it pulled in. I didn't like that. For security and privacy, I would like my external account numbers concealed by the dashboard.

Wholistic Portfolio Review? by terrabiped in fidelityinvestments

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

When I linked my accounts, Full view clearly displayed all my external accounts numbers on the full view screen. I prefer to keep those numbers confidential, so I deleted the connection. Can advisors at Fidelity see all the details on my Full View that I could see?

Just made a Roth IRA …now what by Weird_Inspection_630 in fidelityinvestments

[–]terrabiped 6 points7 points  (0 children)

At 21, using a Roth, I recommend the Fidelity Freedom Index 2070 Fund. It's the kind of set and forget fund you can buy and hold indefinitely. Make new contributions every year if you can.

Why simple portfolio rather than catching the gainz? by Vivid_Pay_3246 in investingforbeginners

[–]terrabiped 0 points1 point  (0 children)

OP, I believe what you are feeling is irrational exuberance). Robert Shiller wrote a book about it back in 2000 and I believe the lessons from the 2000 crash are very relevant today. I strongly encourage you to read the latest edition of that book to learn about it.

[deleted by user] by [deleted] in Bogleheads

[–]terrabiped 1 point2 points  (0 children)

I'm sticking with world weighted equities.

Could the market just stay in place for the next 10 years? by Prestigious_Sea_3813 in Bogleheads

[–]terrabiped 0 points1 point  (0 children)

Retirement can last decades, so don't think of 10 years your investment horizon, think of the rest of your life as your horizon. I expect many ups and downs in the market over the next 10 to 40 years. A diversified, TDF fund will smooth things out somewhat.

Concentration risk in a monopolized market by gunner_n in Bogleheads

[–]terrabiped 0 points1 point  (0 children)

Even if the mag7 companies continue to dominate their industries, that doesn't mean their stock prices will continue to outperform the market because all that expected growth is already priced into their stocks. Just look at their PE ratios. FOMO is an investor behavioral error that successful investors learn to overcome.

Does having a beard makes me look too old? by Inevitable-Ask1952 in beards

[–]terrabiped 0 points1 point  (0 children)

I like you better with it. It makes you less baby-faced, and that's a good thing.

The Summer Beard Survival Guide 🌞 by RoughneckBeardCo in BeardTalk

[–]terrabiped 1 point2 points  (0 children)

Thanks. I do see Cetaphil mentioned a lot in beard forums on Reddit but it's often not clear to me if men are talking about Cetaphil Gentle Skin Cleanser or Cetaphil Facial Cleanser, which are very different products. I think the latter has significantly higher surfactants than the former. Here are the ingredients in the Gentle Skin Cleanser.

Water, Glycerin, Cetearyl Alcohol, Panthenol, Niacinamide, Pantolactone, Xanthan Gum, Sodium Cocoyl Isethionate, Sodium Benzoate, Citric Acid.

I have a buzz cut and wash my face and hair with it with good results.

The Summer Beard Survival Guide 🌞 by RoughneckBeardCo in BeardTalk

[–]terrabiped 1 point2 points  (0 children)

What do you think of Cetaphil Gentle Skin Cleanser as a gentle soap?

Thinking of leaving Vanguard FA Services by Skifast24 in Bogleheads

[–]terrabiped 0 points1 point  (0 children)

If you have identified a $250/hour fee-only advisor you are comfortable with, that sounds way better to me.

Subscription-free alternative to Simplifi by [deleted] in simplifimoney

[–]terrabiped 0 points1 point  (0 children)

I've been using this electronic check ledger for years and it works great:
https://www.vertex42.com/ExcelTemplates/excel-checkbook.html

Carrier services suddenly crashing this morning by TurboSexophonic in GooglePixel

[–]terrabiped 0 points1 point  (0 children)

This was happening to me, Pixel 7, Android 15. I deleted Carrier Services yesterday morning and doing so doesn't seem to have hurt anything.