W2R
Moderator Emeritus
+1Some things I read are so silly that they don't deserve a response.
+1Some things I read are so silly that they don't deserve a response.
Some things I read are so silly that they don't deserve a response.
What I am saying is your not exposed to other forms of investments like real estate.
I think real estate deserves a place. Whether thru reit or crowdfunding and i like the crowdfunding right now.
Funny, you guys crack me up. I am going to put all my eggs in 4 vanguard funds? Sorry, I just don't get it. Look at the top holdings in those funds, I hold them all as individual stocks and I don't pay an ongoing fee. I have owned Apple for years and been in and out and at the peak owned 4000 shares. I currently hold about 2500 as I just sold a batch recently when it was up to 117.
Yeah, I got 40% cash right now and I am considering going into bonds that have gotten hammered. Not stocks as I still thing there will be a meltdown in January. Noone wants to sell right now because they are afraid of taxes. Rule #1 - never let taxes interfere with your investing decisions.
I am going fixed income for a bit, will pull out when rates come up and market comes down. My investing thru the years has done me well. Believe it or not one of my bigger holdings is the vanguard S&P500 Index fund and it has doubled since I first got in. But at the same time my apple has tripled, EMC which I held thru 3 splits was a 45 bagger when i sold first batch and a 15 bagger when I sold the rest.
During the tech craze I bought into IPO's and dumped quick.
My investment decisions are not perfect, but I like to trade. Just commiting to a few funds and sitting back is not investing, it's banking. Yeah, maybe I will be there in a few more years but right now I get pleasure out of playing and trading and I am pretty conservative right now with 40% cash, yeah, 45% still in market, so I didn't miss this run-up, but I will be ready for the run-down!
+2
No need to respond to comments from under the bridge.
I tend to agree but for me it's a little bit of a hobby. With that said I will probably put bulk in funds and play with a small amount just because I like to play the market.
Funny, you guys crack me up. I am going to put all my eggs in 4 vanguard funds? Sorry, I just don't get it.
Just commiting to a few funds and sitting back is not investing, it's banking.
Note the "gone travelling" designation under djr59's user name, indicating any posts directed to him will go unread.
Jumping around many funds is not investing, it's speculating.
Rather be a banker then. Like mr. Graham and Buffett.
Does anyone follow any advice from any of these online newsletters or anything like that? I have always done my own investments but as I get older I wonder if I should rely on a person or follow some philosophy other than my own.
Thoughts?
i have used fidelity insight /fidelity monitor since 1987 . the growth model i used averaged 10.90% cagr over that time frame . it actually beat the s&p 500 but with less volatility over most of the years .
no real market timing used . just some nudges to the funds every so often to better fit the big picture .
i can create models in my sleep but i still like using them . it keeps me from myself. i am never content being average at anyhing , and i know me. i would always second guess my last move while thinking of the next one .
using the newsletter amounts to a 20 second reading of an e-mail every week to see if any changes and get a market recap. it is so easy my 80 year old aunt uses it ..