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10-17-2019, 02:12 PM | #3241 | |
Kind of a mod
Join Date: Aug 2005
Location: Donkey Land
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Quote:
Google around about a "three fund lazy portfolio" to give you the gist. |
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Posts: 52,457
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10-17-2019, 02:38 PM | #3242 | |
Andy Reid Supporter
Join Date: Apr 2012
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Quote:
Sure you’ve got some bonds and a few international assets, but A large portion of my target fund is in stocks. December is a great case study. It was the worst performance in a decade. The S&P went from 2,924 to 2,4447 (16.25% drop). Hell my target fund dropped more! It went down 17%! I guess that’s why I’m such a big fan of this possibility. We went though hell after 9/11, 2008 and as recently as last December and it always bounces back stronger every single time. In almost 100 years, the S&P has done nothing but go up. Meanwhile my target fund barely moves. |
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Posts: 48,111
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10-17-2019, 02:41 PM | #3243 | |
Kind of a mod
Join Date: Aug 2005
Location: Donkey Land
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Posts: 52,457
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10-17-2019, 02:47 PM | #3244 | |
Andy Reid Supporter
Join Date: Apr 2012
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What if you move your highest position to the S&P index fund and have a similar % as your target fund in the same (or similar) bonds and international assets? That’s the general idea. Not sure if it will work, but it’s an interesting thought. |
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Posts: 48,111
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10-17-2019, 02:51 PM | #3245 | |
Kind of a mod
Join Date: Aug 2005
Location: Donkey Land
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Quote:
I've gotten super lazy and just do the Schwab target index fund for most stuff these days, but I used to do something like 70% S&P index, 15% International stock index, and 15% bond index (in my mid-30s). As you get older, it should shift a bit toward more bonds and fewer stocks. |
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Posts: 52,457
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10-17-2019, 02:56 PM | #3246 |
MVP
Join Date: Oct 2012
Location: HERMOSA BEACH,CA
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Invest in LEAD
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Posts: 14,106
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10-17-2019, 03:01 PM | #3247 |
He's Mahomie!
Join Date: Aug 2001
Location: Jax, FL
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Posts: 17,387
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10-17-2019, 03:08 PM | #3248 | |
MVP
Join Date: Mar 2004
Location: Helena, MT
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Posts: 18,627
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10-17-2019, 03:56 PM | #3249 |
Seize life. Be an ermine.
Join Date: Jul 2001
Location: My house
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On that note, I didn't pay attention to the Trump tax changes as they relate to mortgage interest. But my impression is that the mortgage interest deduction won't apply to a lot of people any more since the standard deduction is higher. It seems like that would decrease home values, but I haven't noticed it when looking at sales. Anyone got any theories?
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Posts: 142,964
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10-17-2019, 04:04 PM | #3250 | |
"You like to drink?"
Join Date: Jun 2006
Location: "I like to drink."
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Posts: 44,079
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10-17-2019, 04:09 PM | #3251 | ||
Supporter
Join Date: Apr 2007
Location: Scott City KS
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Posts: 57,835
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10-17-2019, 04:10 PM | #3252 | |
Seize life. Be an ermine.
Join Date: Jul 2001
Location: My house
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Quote:
So logically it seems like you'd see declines in prices at the low end and high end of the scale, and little or no impact on homes in the middle of the range (which is probably the $300-600k range). |
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Posts: 142,964
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10-17-2019, 04:43 PM | #3253 | |
Spooky Action
Join Date: Dec 2003
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Posts: 6,429
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10-17-2019, 04:48 PM | #3254 | |
TACO SALAD
Join Date: Apr 2008
Location: yes
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Quote:
https://fred.stlouisfed.org/series/HOUST The 10 yr dropping has helped prop home sales back up also this year Edit: runkc, Fidelity surely has index target date funds. Switch to one of those. You still won’t get 13% but neither will the S&P 500 over the next decade most likely. You won’t get jack shit like holding the s&p from ‘00 to ‘10 either while international outperformed |
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Posts: 6,376
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10-23-2019, 02:13 PM | #3255 |
Supporter
Join Date: Feb 2005
Location: Olathe, Ks
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Little tidbit that will surely go unnoticed but is definitely worth noting.....
The 2yr & 5yr bonds are no longer inverted. I have been watching that over the last few days and today (lsat night) they reverted. |
Posts: 129,609
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