sjoag

Comments:

• I agree with the points made - and keep roughly 25% of my stock exposure in VXUS and 75% in VTI That is still an overweight of US stocks, but I do expect that the US outperformance of the last two decades will mean revert at some point in the next decade. Until then, I'll enjoy the ride US stocks have been giving.

  Post: Underwater Overseas

  Link to comment from October 6, 2024

• Travel infrastructure - both road and rail - has improved significantly over the past decade. The next few months the weather will be tolerable too.

  Post: Luxury on Rails

  Link to comment from October 2, 2024

• Hopefully, stocks will beat inflation in the long term (for spending more than10 years out). For the short term (the next 10 years) I have TIPS to counter inflation. Of course, with Armageddon possibly around the corner - hostilities between two nuclear-armed powers (Iran and Israel), the question may be moot.

  Post: Hedging your bet in retirement-dealing with inflation. What’s your strategy? R Quinn

  Link to comment from October 2, 2024

• Shoring up the Social Security system will require some combination of an increase in taxes or some decrease in benefits or an increase in the retirement age - no way around that. Congress has been unwilling to enact any of the above fixes and the voters will likely return almost all of the Congressmen and Senators to office come November. Clearly American voters, collectively, are willing to let the can be kicked down the road. This will not end well.

  Post: I’m depressed, not very optimistic about retirement 😱 by R Quinn

  Link to comment from October 2, 2024

• I agree, that is my view too. But in David's defense, shouldn't everyone be able to define "enough" for themselves.?

  Post: My Path to Peace

  Link to comment from September 4, 2024

• Not a lot of knowledge for managing investments - a simple target date fund will get you there. For other aspects of finance - such as spending down when retired and social security claiming strategy, etc. everyone is likely to need help.

  Post: I Ain’t Stupid Ya Know

  Link to comment from August 27, 2024

• There is probably a lot missed, but I do not see that as a thing worth worrying about. There's an (effectively) infinite number of things that I could have done and experienced, and a very finite number that I did or experienced. I intend to keep my focus on what I can still do in the future.

  Post: Did we do this all wrong?

  Link to comment from August 27, 2024

• Lower volatility, probably. Easier psychologically - sure. A dividend strategy may be less tax efficient for some people though. Dividends and short-term capital gains are effectively taxed at marginal IT rates, long-term capital gains have a lower tax rate (even zero for some folks). It may be better to sell some shares periodically vs receiving a dividend.

  Post: Yielding No Advantage

  Link to comment from August 26, 2024

• I suspect the active fund industry is lobbying hard to prevent Vanguard and Blackrock and StateStreet from eating the active fund managers collective lunches with index funds.

  Post: Unwanted Attention

  Link to comment from August 26, 2024

• four pillars of good governance: board effectiveness, oversight of strategy and risk, the size of executive pay and issues related to shareholder rights. Sounds OK. Those are issues I'd worry about when voting as a shareholder. I no longer own individual shares, but when I did, those were the issues.

  Post: Unwanted Attention

  Link to comment from August 26, 2024