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Thread: Boghies Account Talk

  1. #769
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    Default Re: Boghies Account Talk

    Wow, actually the marriage between the 'I Fund' and the EAFA Index is a mess.
    2008
    EAFA: -42.85%
    I Fund: -42.43%

    2009
    EAFA: 23.23%
    I Fund: 30.04% Wow, just wow...

    2010
    EAFA: 5.32%
    I Fund: 7.94%

    2011
    EAFA: -15.62%
    I Fund: -11.81%

    2012
    EAFA: 14.80%
    I Fund: 18.62%


    Is this really just the dollar? Absolute Yowser... I'm going to have to partake in some Absolute. Right Now!!!
    Lookin' up at the 'G Fund'!!!

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  3. #770
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    Smile Re: Boghies Account Talk

    Folks, our funds are amazing. So far here are our YTD returns matched to their indexes:

    F Fund: -0.67%
    AGG: -1.02%

    C Fund: +9.24%
    S&P500 +6.07%

    S Fund: +11.37%
    VXF: + 8.34%

    I Fund: + 4.32%
    EAFA: + 2.84%

    Lookin' kinda dumb to be in anything other than F/C/S/I. They all overproduce their indexes.
    Lookin' up at the 'G Fund'!!!

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  5. #771
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  7. #772
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    Default Re: Boghies Account Talk

    Thanx for a very nice read. It says a lot.

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  9. #773
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    Smile Re: Boghies Account Talk

    Re(1): "What's Money Anyhow?", The Belmont Club, Richard Fernandez

    The challenge in the coming years is to unwind this deficit. The challenge is to bring the official narrative into line with the physical facts. If we won’t do it willingly then reality will do it for us. Guaranteed. Whatever the media or political or financial elite say one fact has remained unchanged since the beginning of the world. Nobody ever beat arithmetic.

    For those of you shocked and dismayed by Cypress and by our ongoing financial mess may I recommend reading 'The Belmont Club'. If you think you are the smartest person in the room you should go to another room. I always find Fernandez in front of the trend. Always well worth the read. I also strongly recommend Walter Russell Mead's 'Via Media' at 'The American Interest'. Solid. If you find yourself shocked, surprised, and angry rather than prepared than find knowledge and smart folks to track on. My guess is that Talking Ed, Rachael Maddow, et. al. are probably not giving you actionable information...

    For purely economic discussion you could easily do worse than:
    First Trust Economics Blog
    Calculated Risk
    RealClearMarkets
    Carpe-Diem
    Calafia Beach Pundit

    Happy Hunting and Stay Safe
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    Lookin' up at the 'G Fund'!!!

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  11. #774
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    Wink Flight to Safety

    Running away.
    Moved a whole 3% from I to G.

    G: 15%
    F: 22%
    C: 39%
    S: 15%
    I: 9%

    Expected Return: 5%
    Expected Risk: 7%

    This is my version of panic...
    Or, maybe I'm so bored I had to blow my 2nd IFT.

    Kinda guessing on the Return and Risk. My normal 'Conservative' allocation is 12/27/37/13/11 which is 5/7. But is there anything to love with Europe and Japan. Yuk... Also, don't really like holding the 'F Fund'. That thing is bubbly and only dumbies want it. But, where else to go, eh...
    Lookin' up at the 'G Fund'!!!


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  13. #775
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    Default Re: Flight to Safety

    Quote Originally Posted by Boghie View Post
    Running away.
    Moved a whole 3% from I to G.
    I'm waiting for Monday, I think I'll hold on for the first of the month rally. But I too will be looking to pullback. With Friday being a transaction holiday, I was doing clock math to make sure it was the right time.
    "Violence, naked force, has settled more issues in history than has any other factor; and the contrary opinion is wishful thinking at its worst. Breeds that forget this basic truth have always paid for it with their lives and their freedoms.” Starship Troopers - R.A. Heinlein Tracker = 100%-C ::::Real World = 100% -C 10/28/2014

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  15. #776
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    Default Re: Flight to Safety

    Hhmmmm...

    To offset the initiatives’ cost and avoid adding to deficits, Mr. Obama will propose the tobacco tax increase, a limit of $3 million on how much people can accumulate in tax-preferred savings accounts
    While most of us old geezers will not have a cool $3 Mil in our retirement accounts when we first step into that motorhome a lot of the younger ones will - there being inflation and everything...

    Also, $3 Mil results in $120K per year of income without taking principle from the account. Doing well, but not in the top 1%. And, is $120K today the same as $120K in forty years? Nope...

    Nice long game, President.

    Nice long game.

    Gaming.
    Lookin' up at the 'G Fund'!!!

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    Default Re: Flight to Safety

    If you stay with equities you have the potential for dividend increases - I've got 54 so far this year. It's like getting a cost of living increase every year. Dividend income that is regarded as qualified is taxed at 15%. A stream of income can last forever if played right.
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  19. #778
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    Default Re: Flight to Safety

    Quote Originally Posted by Birchtree View Post
    If you stay with equities you have the potential for dividend increases - I've got 54 so far this year. It's like getting a cost of living increase every year. Dividend income that is regarded as qualified is taxed at 15%. A stream of income can last forever if played right.
    Birch,

    It even helps while in accumulation. Our 'C Fund' - and I think the 'I Fund' - reinvest the dividends. They both over-perform their indexes every year. I have come to the conclusion that you HAVE to have a sizable percentage of holdings in one or both of them. I'm much lighter in the 'I Fund' than I want to be, but those semi-socialist economies are running out of other peoples money to spend on their grubbers. Don't want to be between the politicians and their grubbers!!!

    The over-performance is keeping me in the market. Otherwise I would have panicked. I panic a lot. Watching Amoeba for advice...
    Lookin' up at the 'G Fund'!!!

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  21. #779
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    Default Re: Flight to Safety

    Boghie,

    If you had a choice would you prefer the $8 price of the C fund from a few years back or the current price of $19.82? Since you are still dollar cost averaging and accumulating shares - think about the new employee and their disadvantage of higher pricing.

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  23. #780
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    Default Re: Flight to Safety

    Quote Originally Posted by Birchtree View Post
    Boghie,

    If you had a choice would you prefer the $8 price of the C fund from a few years back or the current price of $19.82? Since you are still dollar cost averaging and accumulating shares - think about the new employee and their disadvantage of higher pricing.
    DCA'ing at the $8 buck level (and higher) has sure helped my nest egg. I never contributed to anything other than C/S/I - and, based on your advice, I dramatically increased my contributions from mid-falling knife all the way down and all the way up. With all that DCA, I've increased my account by far more than a double since the bottom. Yummy. And those cheap shares keep on pumping out dividends and growing in value. Maybe a boat to go with the motorhome in my golden years!!!
    Lookin' up at the 'G Fund'!!!

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