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  1. Oz investor

    Analysis paralysis - meeting with a FA tomorrow

    i don't 'bail-out as such , i REDUCE when a stock is at 'nose-bleed levels ' ( but normally keep more than half the holding ) if i sell out , completely from a stock that is for a completely different reason ( lack of confidence and patience with THAT company ) and NORMALLY i don't...
  2. Oz investor

    How do you protect ? (devices, 2FA, etc.)

    well i do some weird things i NEVER store passwords on any electronic devices , second i rarely ever use my phone for financial transactions third i use a different user name ( and of course password ) for every account and if i don't NEED the phone where i am going i leave it at...
  3. Oz investor

    Affluent Americans rush to retire - Article

    some fund managers worked on that assumption ( and maybe still do ) down here there can be a BIG focus on ( clients ) assets under management and 'total returns ' , which last year MOSTLY translated to capital gains ( or losses ) as dividend payouts were often slashed savagely ( or...
  4. Oz investor

    Whoa! Daughter asked investing book...

    cheers am a lot older than your daughter , but will read it to see if i can add any new ideas to my current thinking
  5. Oz investor

    2021 Investment Performance Thread

    ah ! the billion ( or is it trillion ) dollar question just remember we had one in February/March 2020 , so the question to ask will it be a 'double-dip' , if the answer is NO ( i i don't believe it is ) the next correction could be six or more years away , remember how few there where...
  6. Oz investor

    27 burnt out in FAANG, 100k in investment accounts, 60k in cash and feeling lost

    on the PLUS side , you are now fully motivated to FIRE and early as well , how about using that stress to motivate you into some financial education ( there is plenty on-line that is 'cost-free' apart from your ISP charges of course ) hopefully you haven't resorted to substance abuse (...
  7. Oz investor

    Analysis paralysis - meeting with a FA tomorrow

    while i am not sitting on as much cash as you are , i have the same ( gut ) feeling , HOWEVER there is an old paradigm about ' sell in May , and go away , come back on St. Leger Day ' so May selling MIGHT present you with some cheaper entry prices , but goodness me , there is a LOT of...
  8. Oz investor

    2021 Investment Performance Thread

    in Australia a couple of high profile fund managers are of a similar opinion ( that stocks are the only game in town ) however that doesn't stop me WATCHING for other investment options becoming attractive in the future ( for example floating rate or i believe you call it...
  9. Oz investor

    2021 Investment Performance Thread

    inflation impact depends a lot on expenditure , since i live a fairly frugal lifestyle ( like owning no car ... ) some inflation impact has been delayed ( NOT avoided completely ) i expect returns to be further affected in the coming year ... but will that present more cheap opportunities...
  10. Oz investor

    Census results and prospects for inflation

    although i am virtually on the other side of the world , i see similar here , add to that and certain tax components ( on fuel , alcohol and tobacco products to name some ) automatically jump in line with CPI each year and those tiny automatic fuel price increases trickle through the whole...
  11. Oz investor

    Census results and prospects for inflation

    Australia has been relying on immigration to keep population growth ( and productivity growth ) over the past several years ( maybe a decade now ) now we have had the virus disruptions , i see that immigration stalling in the near-term and possibly even in the mid-term i took a small...
  12. Oz investor

    Real Estate Bubble?

    given the willingness of some governments to disrupt the economy over surges in positive virus tests , i would say ABSOLUTELY how many can guarantee they can keep up with mortgage repayments now it is one thing to BUY a property , and another to repay the loan in a timely manner (...
  13. Oz investor

    What percentage of your retirement portfolio is in real estate?

    in REITs a little over 10% , BUT my largest single holding is a motor dealership where the major share-holder describes himself as ' frustrated land developer ( meaning the dealership owns much of the car-yard properties plus other property assets ) so say around 17% ( not counting actual...
  14. Oz investor

    How can I get Google Maps attention?

    that would depend on how you illustrate the ' Dead End' sign however if persistent trespassing annoyed ME , 'friendlier' might not be my first consideration . BTW i am very much a portcullis fan https://www.merriam-webster.com/dictionary/portcullis
  15. Oz investor

    Active vs Busy during your retirement?

    +1 ( avoid watching TV at night also )
  16. Oz investor

    Why So Many People Intend to Die With Money in the Bank

    well i am not planning suicide , currently ... so i do not know when i am going to die ( it MIGHT be weeks or decades ) now not having any savings looks like a good path to starving to death ( or not being able to afford medications ) and if the original article was meant as click-bait ( or...
  17. Oz investor

    Anyone wake up and say "How did I accumulate so much?"

    i disagree , i think my skill is knowing how lucky i am ( now and in the past ) in relation to the OP NO i think i need to double what i have ( but don't put a $value on property , i value that on income minus costs )
  18. Oz investor

    Oddball Inheritor hoping to retire in 2021

    as i see it( as a fellow inheritor ) the main difference between them and me as they have spent years ( decades ) planning , saving , and structuring their life styles and retirement dreams to a reasonably sustainable plan ( unlike me who gets a phone from an estate lawyer to drop in for...
  19. Oz investor

    Suggestions regarding real estate

    OUT of Florida ?? but you live there ( and i don't ) so maybe you know best now i am on the other side of the world , but can see US property taxes ( in some states ) are going to sky-rocket there are also a LOT of people struggling with debt ( all over the world ) i would suspect...
  20. Oz investor

    35 Year Old Progress

    @ BergLust Comments For The Future: I continue to be open for other passive income opportunities. I'm considering less and less to be a landlord. I can't convince myself I want the hassle. I'm occasionally looking at single family homes. I don't necessarily want to be a renter forever. Based on...
  21. Oz investor

    When to sue and when to just let go?

    *** When to sue and when to just let go? *** i have been blessed by the trend that my new replacement is normally vastly inferior and ends up being less cost effective is such businesses ( some were actually crippled by the replacement and may be totally extinct .. ) one was a...
  22. Oz investor

    Waited Too Long... How to Convince Spouse We are OK to Retire

    in my experience i have found females to be more financially cautious AND more likely to have a career that is fulfilling enough to make you want to remain longer as a male i have been in several places of employment where 'office politics ' is near-on murderous , at which time i normally...
  23. Oz investor

    Can I Age In Place With Stairs?

    ** Can I Age In Place With Stairs? ** for me NO but if you are concerned , or just naturally cautious , now is a good time to research options i found myself in a hotel for two years ( while the house was being repaired ) and 7 floors up is NOT the place to be if you MIGHT fall...
  24. Oz investor

    Prognosis tool - enter your health data

    i don't live in the US or China and don't trust the data from either have an echo-cardiogram appointment on Monday .. this should be educational for the technician seems i habitually ruin the technicians perception of a slightly damaged heart if i haven't had the virus my probability...
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