Out of international and bonds. (seems obvious now international will lag US, duh)
thank you sir.
Well yes of course. Its more though that it is "less" overpriced than most of the other overpriced stocks that dont suck.Fan of stock buy backs eh?
Same story as always. Market priced in negative outcomes on every issue raised in the court case; court granted relief only on some issues.TSLA loses a court case in Norway. Stock jumps 5%. Who the fuck knows.
Out of international and bonds. (seems obvious now international will lag US, duh)
thank you sir.
Total US market vs Total Global ex-US market. 10 year chart. Your call.so reading this, almost all mine and my wifes retirement are in vanguard targeted retirement funds. Sounds like it's exposure to like 35% international and 6ish% bonds is doing us a disservice. Guess I should switch it to their total market in the next downturn.
Targeted retirement is for sissies. My plan in retirement is 4 years money in safe bonds or cash, rest s&p. Withdraw from market as I spend. If there’s a big downturn I stop withdrawing and just use that money until it’s out. If after 4 years it’s not back up I’ll reasses my plan and adapt. You’re more likely to win out like that over a targeted retirement that will have you sucking up bonds. Having any bonds before retirement just feels silly.so reading this, almost all mine and my wifes retirement are in vanguard targeted retirement funds. Sounds like it's exposure to like 35% international and 6ish% bonds is doing us a disservice. Guess I should switch it to their total market in the next downturn.
You'd probably be okay doing just two years (very few bear markets last longer than that; basically the 60's is about it). And after the first 10 or so years, you'll know whether sequence of returns has fucked your portfolio. If you last those first 10 years, you should be good to go.Targeted retirement is for sissies. My plan in retirement is 4 years money in safe bonds or cash, rest s&p. Withdraw from market as I spend. If there’s a big downturn I stop withdrawing and just use that money until it’s out. If after 4 years it’s not back up I’ll reasses my plan and adapt. You’re more likely to win out like that over a targeted retirement that will have you sucking up bonds. Having any bonds before retirement just feels silly.
You'd probably be okay doing just two years (very few bear markets last longer than that; basically the 60's is about it). And after the first 10 or so years, you'll know whether sequence of returns has fucked your portfolio. If you last those first 10 years, you should be good to go.
You'd have to define exactly what you are saying, there are extensive periods with no return.You can take any 10 year period of the S&P including the 07 recession, dot com busts etc and you'll still average a 10% return
I was told I could live off the interest!View attachment 355294
View attachment 355295
One of the common fallacies people get into about stock market returns is a quirk of math.
If in year 1 the S&P goes up 50% then year 2 the S&P goes up 50% then in year 3 the S&P goes down 50%. Then Johnny investor looks up on wiki/google "What is the average return of the S&P for yrs 1-3 ?" And gets their answer of 17%/yr
Now if we look at someone invested for that period:
Johnny invest $100 . After year 1 he has $150 and after year two he has $225 and after year three he has $112.50.
Now if Johnny listened to some people in this thread he is going to be mighty upset when in year three he is up only 12% after he was told the market averages 17% a year. Telling people they can make 10% a year in stocks is just a white lie we tell people to try to get them to put some damn money in their 401k accounts.
I was told I could live off the interest!