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bogleheads | zptz9b | I’m currently holding a $1 million (for a real estate purchase in the next three months to 24 months. ) In the meantime where could I hold this or would you suggest to earn higher than 2% interest? I’m currently getting 2% at my bank account. I also want to diversified among bank accounts for FDIC insurance reasons. Can I put it in Vons? Is there a bond ETF that you’d recommend for under two year hold | Where to put cash for high yield ? For 3 months to two years. | a081411b18a444248bf7eae076b2fdca | 3b4a6536c64e48e2a28084c571b48ec4 | 1,671,468,836 | 1,671,552,883 | 11 | 12 | High yield savings because you’ll need the money soon. Ally just bumped their rate to 3.3%. You don’t want to find a good deal on a property and not be able to get to your cash and lose the deal
| For low risk but reasonably high yield:
1) could put it in money market fund that tracks the fed funds rate such as SHV which currently yields around 4% annually. This has limited interest rate risk but if the fed cuts rates will go down given its duration is 0-3 months.
2) could put in slightly longer duration government bond etf which yields around 4.5%. VGSH has duration of around 2 years so it carries some rate risk but if you hold for the duration mitigates that risk somewhat.
3) Could do corporate / government short term bond mix such as BSV which yields more than VGSH given the corporate allocation mix but carries similar duration risk.
4) Could do any combination
These suggestions stick to low risk ideas assuming you dont want to branch out on risk curve. FWIW I currently am doing similar thing and have combination of SHV/VGSH for the money I have set aside to purchase a home next year.
| 0 | 0.085366 | 84,047 | 1.090909 | 1 |
bogleheads | zptz9b | I’m currently holding a $1 million (for a real estate purchase in the next three months to 24 months. ) In the meantime where could I hold this or would you suggest to earn higher than 2% interest? I’m currently getting 2% at my bank account. I also want to diversified among bank accounts for FDIC insurance reasons. Can I put it in Vons? Is there a bond ETF that you’d recommend for under two year hold | Where to put cash for high yield ? For 3 months to two years. | c488ae00acbc4249911fef956c3e14b1 | 2976fedd3fdd4b099f7683c953d6a66a | 1,671,479,428 | 1,671,490,942 | 2 | 32 | Plenty of HYSA offering around 4%. Even robinhood is currently offering 4% (with $5/month gold membership, insured up to 1.5 mil) for uninvested cash. Credit karma has a cash savings that 3.75% I believe. Dollar savings direct is another. A lot of savings options right now.
| I’d go with tbills. You can buy 3 month and keep rolling them. And you get to skip on the state and local taxes.
| 0 | 0.05 | 11,514 | 16 | 1 |
bogleheads | zptz9b | I’m currently holding a $1 million (for a real estate purchase in the next three months to 24 months. ) In the meantime where could I hold this or would you suggest to earn higher than 2% interest? I’m currently getting 2% at my bank account. I also want to diversified among bank accounts for FDIC insurance reasons. Can I put it in Vons? Is there a bond ETF that you’d recommend for under two year hold | Where to put cash for high yield ? For 3 months to two years. | c488ae00acbc4249911fef956c3e14b1 | 40af7e54244f4563ae348652540e56df | 1,671,479,428 | 1,671,499,078 | 2 | 3 | Plenty of HYSA offering around 4%. Even robinhood is currently offering 4% (with $5/month gold membership, insured up to 1.5 mil) for uninvested cash. Credit karma has a cash savings that 3.75% I believe. Dollar savings direct is another. A lot of savings options right now.
| PNC bank High-Yield Savings Accounts is 4%.
| 0 | 0.105263 | 19,650 | 1.5 | 1 |
bogleheads | zptz9b | I’m currently holding a $1 million (for a real estate purchase in the next three months to 24 months. ) In the meantime where could I hold this or would you suggest to earn higher than 2% interest? I’m currently getting 2% at my bank account. I also want to diversified among bank accounts for FDIC insurance reasons. Can I put it in Vons? Is there a bond ETF that you’d recommend for under two year hold | Where to put cash for high yield ? For 3 months to two years. | c488ae00acbc4249911fef956c3e14b1 | 3b4a6536c64e48e2a28084c571b48ec4 | 1,671,479,428 | 1,671,552,883 | 2 | 12 | Plenty of HYSA offering around 4%. Even robinhood is currently offering 4% (with $5/month gold membership, insured up to 1.5 mil) for uninvested cash. Credit karma has a cash savings that 3.75% I believe. Dollar savings direct is another. A lot of savings options right now.
| For low risk but reasonably high yield:
1) could put it in money market fund that tracks the fed funds rate such as SHV which currently yields around 4% annually. This has limited interest rate risk but if the fed cuts rates will go down given its duration is 0-3 months.
2) could put in slightly longer duration government bond etf which yields around 4.5%. VGSH has duration of around 2 years so it carries some rate risk but if you hold for the duration mitigates that risk somewhat.
3) Could do corporate / government short term bond mix such as BSV which yields more than VGSH given the corporate allocation mix but carries similar duration risk.
4) Could do any combination
These suggestions stick to low risk ideas assuming you dont want to branch out on risk curve. FWIW I currently am doing similar thing and have combination of SHV/VGSH for the money I have set aside to purchase a home next year.
| 0 | 0.063158 | 73,455 | 6 | 1 |
bogleheads | zptz9b | I’m currently holding a $1 million (for a real estate purchase in the next three months to 24 months. ) In the meantime where could I hold this or would you suggest to earn higher than 2% interest? I’m currently getting 2% at my bank account. I also want to diversified among bank accounts for FDIC insurance reasons. Can I put it in Vons? Is there a bond ETF that you’d recommend for under two year hold | Where to put cash for high yield ? For 3 months to two years. | c488ae00acbc4249911fef956c3e14b1 | fc4bcfe5ac4048ebbf66b1330ddd324a | 1,671,479,428 | 1,671,567,797 | 2 | 4 | Plenty of HYSA offering around 4%. Even robinhood is currently offering 4% (with $5/month gold membership, insured up to 1.5 mil) for uninvested cash. Credit karma has a cash savings that 3.75% I believe. Dollar savings direct is another. A lot of savings options right now.
| I’d do a 3-legged stool of Money Market funds (I use SWVXX), 6-mo CDs, and 1-yr CDs. Brokered CDs are yielding more than Treasuries right now and can be sold just like Treasuries can
| 0 | 0.098039 | 88,369 | 2 | 1 |
bogleheads | zptz9b | I’m currently holding a $1 million (for a real estate purchase in the next three months to 24 months. ) In the meantime where could I hold this or would you suggest to earn higher than 2% interest? I’m currently getting 2% at my bank account. I also want to diversified among bank accounts for FDIC insurance reasons. Can I put it in Vons? Is there a bond ETF that you’d recommend for under two year hold | Where to put cash for high yield ? For 3 months to two years. | e69cc0c8ab324d9d85a440b94b46e6ea | 2976fedd3fdd4b099f7683c953d6a66a | 1,671,479,996 | 1,671,490,942 | 2 | 32 | Plenty of HYSA offering around 4%. Even robinhood is currently offering 4% (with $5/month gold membership, insured up to 1.5 mil) for uninvested cash. Credit karma has a cash savings that 3.75% I believe. Dollar savings direct is another. A lot of savings options right now.
| I’d go with tbills. You can buy 3 month and keep rolling them. And you get to skip on the state and local taxes.
| 0 | 0.05 | 10,946 | 16 | 1 |
bogleheads | zptz9b | I’m currently holding a $1 million (for a real estate purchase in the next three months to 24 months. ) In the meantime where could I hold this or would you suggest to earn higher than 2% interest? I’m currently getting 2% at my bank account. I also want to diversified among bank accounts for FDIC insurance reasons. Can I put it in Vons? Is there a bond ETF that you’d recommend for under two year hold | Where to put cash for high yield ? For 3 months to two years. | e69cc0c8ab324d9d85a440b94b46e6ea | 40af7e54244f4563ae348652540e56df | 1,671,479,996 | 1,671,499,078 | 2 | 3 | Plenty of HYSA offering around 4%. Even robinhood is currently offering 4% (with $5/month gold membership, insured up to 1.5 mil) for uninvested cash. Credit karma has a cash savings that 3.75% I believe. Dollar savings direct is another. A lot of savings options right now.
| PNC bank High-Yield Savings Accounts is 4%.
| 0 | 0.105263 | 19,082 | 1.5 | 1 |
bogleheads | zptz9b | I’m currently holding a $1 million (for a real estate purchase in the next three months to 24 months. ) In the meantime where could I hold this or would you suggest to earn higher than 2% interest? I’m currently getting 2% at my bank account. I also want to diversified among bank accounts for FDIC insurance reasons. Can I put it in Vons? Is there a bond ETF that you’d recommend for under two year hold | Where to put cash for high yield ? For 3 months to two years. | e69cc0c8ab324d9d85a440b94b46e6ea | 3b4a6536c64e48e2a28084c571b48ec4 | 1,671,479,996 | 1,671,552,883 | 2 | 12 | Plenty of HYSA offering around 4%. Even robinhood is currently offering 4% (with $5/month gold membership, insured up to 1.5 mil) for uninvested cash. Credit karma has a cash savings that 3.75% I believe. Dollar savings direct is another. A lot of savings options right now.
| For low risk but reasonably high yield:
1) could put it in money market fund that tracks the fed funds rate such as SHV which currently yields around 4% annually. This has limited interest rate risk but if the fed cuts rates will go down given its duration is 0-3 months.
2) could put in slightly longer duration government bond etf which yields around 4.5%. VGSH has duration of around 2 years so it carries some rate risk but if you hold for the duration mitigates that risk somewhat.
3) Could do corporate / government short term bond mix such as BSV which yields more than VGSH given the corporate allocation mix but carries similar duration risk.
4) Could do any combination
These suggestions stick to low risk ideas assuming you dont want to branch out on risk curve. FWIW I currently am doing similar thing and have combination of SHV/VGSH for the money I have set aside to purchase a home next year.
| 0 | 0.063158 | 72,887 | 6 | 1 |
bogleheads | zptz9b | I’m currently holding a $1 million (for a real estate purchase in the next three months to 24 months. ) In the meantime where could I hold this or would you suggest to earn higher than 2% interest? I’m currently getting 2% at my bank account. I also want to diversified among bank accounts for FDIC insurance reasons. Can I put it in Vons? Is there a bond ETF that you’d recommend for under two year hold | Where to put cash for high yield ? For 3 months to two years. | e69cc0c8ab324d9d85a440b94b46e6ea | fc4bcfe5ac4048ebbf66b1330ddd324a | 1,671,479,996 | 1,671,567,797 | 2 | 4 | Plenty of HYSA offering around 4%. Even robinhood is currently offering 4% (with $5/month gold membership, insured up to 1.5 mil) for uninvested cash. Credit karma has a cash savings that 3.75% I believe. Dollar savings direct is another. A lot of savings options right now.
| I’d do a 3-legged stool of Money Market funds (I use SWVXX), 6-mo CDs, and 1-yr CDs. Brokered CDs are yielding more than Treasuries right now and can be sold just like Treasuries can
| 0 | 0.098039 | 87,801 | 2 | 1 |
bogleheads | zptz9b | I’m currently holding a $1 million (for a real estate purchase in the next three months to 24 months. ) In the meantime where could I hold this or would you suggest to earn higher than 2% interest? I’m currently getting 2% at my bank account. I also want to diversified among bank accounts for FDIC insurance reasons. Can I put it in Vons? Is there a bond ETF that you’d recommend for under two year hold | Where to put cash for high yield ? For 3 months to two years. | 40af7e54244f4563ae348652540e56df | 3b4a6536c64e48e2a28084c571b48ec4 | 1,671,499,078 | 1,671,552,883 | 3 | 12 | PNC bank High-Yield Savings Accounts is 4%.
| For low risk but reasonably high yield:
1) could put it in money market fund that tracks the fed funds rate such as SHV which currently yields around 4% annually. This has limited interest rate risk but if the fed cuts rates will go down given its duration is 0-3 months.
2) could put in slightly longer duration government bond etf which yields around 4.5%. VGSH has duration of around 2 years so it carries some rate risk but if you hold for the duration mitigates that risk somewhat.
3) Could do corporate / government short term bond mix such as BSV which yields more than VGSH given the corporate allocation mix but carries similar duration risk.
4) Could do any combination
These suggestions stick to low risk ideas assuming you dont want to branch out on risk curve. FWIW I currently am doing similar thing and have combination of SHV/VGSH for the money I have set aside to purchase a home next year.
| 0 | 0.082192 | 53,805 | 4 | 1 |
bogleheads | zptz9b | I’m currently holding a $1 million (for a real estate purchase in the next three months to 24 months. ) In the meantime where could I hold this or would you suggest to earn higher than 2% interest? I’m currently getting 2% at my bank account. I also want to diversified among bank accounts for FDIC insurance reasons. Can I put it in Vons? Is there a bond ETF that you’d recommend for under two year hold | Where to put cash for high yield ? For 3 months to two years. | 40af7e54244f4563ae348652540e56df | fc4bcfe5ac4048ebbf66b1330ddd324a | 1,671,499,078 | 1,671,567,797 | 3 | 4 | PNC bank High-Yield Savings Accounts is 4%.
| I’d do a 3-legged stool of Money Market funds (I use SWVXX), 6-mo CDs, and 1-yr CDs. Brokered CDs are yielding more than Treasuries right now and can be sold just like Treasuries can
| 0 | 0.0625 | 68,719 | 1.333333 | 1 |
bogleheads | xm15ob | I'm now down over $3k on my VTI position so I'd like to do tax loss harvesting to get some benefit out of the current downturn. The questions:
- with Fidelity, can I sell specific VTI shares that were the most expensive, and keep the shares that were cheapest?
- Once I sell the amount of VTI shares that it takes to hit the $3k in losses mark, I can not buy more VTI shares without triggering a wash sale, right? Can I buy more VTI now at this low price, then immediately afterwards sell the older more expensive shares to do tax loss harvesting without triggering any negative effect?
- which comparable fund would you suggest to invest in once selling the VTI shares? Once that is similar but dissimilar enough to not trigger a wash sale
- is there any potential negative to tax loss harvesting? Could I somehow lose money doing it if I plan not to sell the newly purchased shares until retirement?
- I have purchased VTI shares within the past couple weeks, does this have any affect/implications towards tax loss harvesting?
- any other considerations you think I should be aware of?
Thanks, all help is appreciated | Questions about tax loss harvesting | 6b0672ca58c346d48cfb325281303ee1 | 0bc30db86fa945c9a27f001110cced4d | 1,663,965,509 | 1,663,982,827 | 2 | 3 | You can tax loss harvest into a similar ETF without triggering the wash sale rule or sitting out of the market for 30 days. For example, you could sell your VTI positions and buy VOO, VT, FZROX, or any total market ETF from a different provider on the same day. VTSAX would probably trigger a wash sale since it's nearly identical to VTI, but you'd have to ask a tax accountant to be certain.
| Wash sale has window of 30 day before and 30 after sale. If you just bought VTI a couple weeks ago you can’t claim losses by selling now.
| 0 | 0.139535 | 17,318 | 1.5 | 1 |
bogleheads | xm15ob | I'm now down over $3k on my VTI position so I'd like to do tax loss harvesting to get some benefit out of the current downturn. The questions:
- with Fidelity, can I sell specific VTI shares that were the most expensive, and keep the shares that were cheapest?
- Once I sell the amount of VTI shares that it takes to hit the $3k in losses mark, I can not buy more VTI shares without triggering a wash sale, right? Can I buy more VTI now at this low price, then immediately afterwards sell the older more expensive shares to do tax loss harvesting without triggering any negative effect?
- which comparable fund would you suggest to invest in once selling the VTI shares? Once that is similar but dissimilar enough to not trigger a wash sale
- is there any potential negative to tax loss harvesting? Could I somehow lose money doing it if I plan not to sell the newly purchased shares until retirement?
- I have purchased VTI shares within the past couple weeks, does this have any affect/implications towards tax loss harvesting?
- any other considerations you think I should be aware of?
Thanks, all help is appreciated | Questions about tax loss harvesting | 5073c64e925d4f4cb6d8acbe434f3b9d | 0bc30db86fa945c9a27f001110cced4d | 1,663,966,621 | 1,663,982,827 | 2 | 3 | You can tax loss harvest into a similar ETF without triggering the wash sale rule or sitting out of the market for 30 days. For example, you could sell your VTI positions and buy VOO, VT, FZROX, or any total market ETF from a different provider on the same day. VTSAX would probably trigger a wash sale since it's nearly identical to VTI, but you'd have to ask a tax accountant to be certain.
| Wash sale has window of 30 day before and 30 after sale. If you just bought VTI a couple weeks ago you can’t claim losses by selling now.
| 0 | 0.139535 | 16,206 | 1.5 | 1 |
bogleheads | xm15ob | I'm now down over $3k on my VTI position so I'd like to do tax loss harvesting to get some benefit out of the current downturn. The questions:
- with Fidelity, can I sell specific VTI shares that were the most expensive, and keep the shares that were cheapest?
- Once I sell the amount of VTI shares that it takes to hit the $3k in losses mark, I can not buy more VTI shares without triggering a wash sale, right? Can I buy more VTI now at this low price, then immediately afterwards sell the older more expensive shares to do tax loss harvesting without triggering any negative effect?
- which comparable fund would you suggest to invest in once selling the VTI shares? Once that is similar but dissimilar enough to not trigger a wash sale
- is there any potential negative to tax loss harvesting? Could I somehow lose money doing it if I plan not to sell the newly purchased shares until retirement?
- I have purchased VTI shares within the past couple weeks, does this have any affect/implications towards tax loss harvesting?
- any other considerations you think I should be aware of?
Thanks, all help is appreciated | Questions about tax loss harvesting | 452c3ae75e2b4ddb911dc83a2619c739 | 0bc30db86fa945c9a27f001110cced4d | 1,663,970,426 | 1,663,982,827 | 2 | 3 | You can tax loss harvest into a similar ETF without triggering the wash sale rule or sitting out of the market for 30 days. For example, you could sell your VTI positions and buy VOO, VT, FZROX, or any total market ETF from a different provider on the same day. VTSAX would probably trigger a wash sale since it's nearly identical to VTI, but you'd have to ask a tax accountant to be certain.
| Wash sale has window of 30 day before and 30 after sale. If you just bought VTI a couple weeks ago you can’t claim losses by selling now.
| 0 | 0.139535 | 12,401 | 1.5 | 1 |
bogleheads | xm15ob | I'm now down over $3k on my VTI position so I'd like to do tax loss harvesting to get some benefit out of the current downturn. The questions:
- with Fidelity, can I sell specific VTI shares that were the most expensive, and keep the shares that were cheapest?
- Once I sell the amount of VTI shares that it takes to hit the $3k in losses mark, I can not buy more VTI shares without triggering a wash sale, right? Can I buy more VTI now at this low price, then immediately afterwards sell the older more expensive shares to do tax loss harvesting without triggering any negative effect?
- which comparable fund would you suggest to invest in once selling the VTI shares? Once that is similar but dissimilar enough to not trigger a wash sale
- is there any potential negative to tax loss harvesting? Could I somehow lose money doing it if I plan not to sell the newly purchased shares until retirement?
- I have purchased VTI shares within the past couple weeks, does this have any affect/implications towards tax loss harvesting?
- any other considerations you think I should be aware of?
Thanks, all help is appreciated | Questions about tax loss harvesting | f28b398102c742a7b469d0525dc81d7a | 0bc30db86fa945c9a27f001110cced4d | 1,663,976,763 | 1,663,982,827 | 2 | 3 | You can tax loss harvest into a similar ETF without triggering the wash sale rule or sitting out of the market for 30 days. For example, you could sell your VTI positions and buy VOO, VT, FZROX, or any total market ETF from a different provider on the same day. VTSAX would probably trigger a wash sale since it's nearly identical to VTI, but you'd have to ask a tax accountant to be certain.
| Wash sale has window of 30 day before and 30 after sale. If you just bought VTI a couple weeks ago you can’t claim losses by selling now.
| 0 | 0.139535 | 6,064 | 1.5 | 1 |
bogleheads | xm15ob | I'm now down over $3k on my VTI position so I'd like to do tax loss harvesting to get some benefit out of the current downturn. The questions:
- with Fidelity, can I sell specific VTI shares that were the most expensive, and keep the shares that were cheapest?
- Once I sell the amount of VTI shares that it takes to hit the $3k in losses mark, I can not buy more VTI shares without triggering a wash sale, right? Can I buy more VTI now at this low price, then immediately afterwards sell the older more expensive shares to do tax loss harvesting without triggering any negative effect?
- which comparable fund would you suggest to invest in once selling the VTI shares? Once that is similar but dissimilar enough to not trigger a wash sale
- is there any potential negative to tax loss harvesting? Could I somehow lose money doing it if I plan not to sell the newly purchased shares until retirement?
- I have purchased VTI shares within the past couple weeks, does this have any affect/implications towards tax loss harvesting?
- any other considerations you think I should be aware of?
Thanks, all help is appreciated | Questions about tax loss harvesting | c512f736b34f4e078dd9dacca15495e9 | 0bc30db86fa945c9a27f001110cced4d | 1,663,982,639 | 1,663,982,827 | 2 | 3 | You can tax loss harvest into a similar ETF without triggering the wash sale rule or sitting out of the market for 30 days. For example, you could sell your VTI positions and buy VOO, VT, FZROX, or any total market ETF from a different provider on the same day. VTSAX would probably trigger a wash sale since it's nearly identical to VTI, but you'd have to ask a tax accountant to be certain.
| Wash sale has window of 30 day before and 30 after sale. If you just bought VTI a couple weeks ago you can’t claim losses by selling now.
| 0 | 0.139535 | 188 | 1.5 | 1 |
bogleheads | cqcpbz | I know you don't change your investments because of news headlines, but at some point there would be a long term story that you could have to pay attention to, right?
Some experts (Goldman Sachs or someone like that) are saying investors should only expect a 4% return over the next decade. I assume it will still be the best place to park your money, but still. We're getting negative bond rates, etc.
Would it take a big war involving your country? An asteroid ? | What would it take for your view of the long-term equities market to change? | e55cb53ff30941cdbf1d8aeff2875a17 | 22ec6b72707144a3b2a495a4ff4e3aad | 1,565,806,672 | 1,565,845,170 | 4 | 26 | If an asteroid were headed to earth we are in r/preppers territory - where the only thing that will have value is guns, ammunition, water, food and fuel. We would probably be bartering and money would not have any value. BIC lighters would probably be the new currency. While, this is an interesting thought experiment, it is not very likely.
Apart from that kind of doomsday scenario, the bogleheads philosophy is that relative to all other investments the best risk reward ratio is in US markets. The economy has always grown over 20-30 year horizons; and should continue to do so in our life time. If there is any growth, in any sector, the market will find it. So using indexed, low cost total market funds is advised. Let the market pick your portfolio.
The other scenario that is off interest is mass unemployment via automation. Andrew Yang and Elon Musk talk about this. With minimum wage approaching $15 it is becoming viable to automate everything from truck drivers, cab drivers, burger flippers, package delivery, warehouse workers, agriculture. You name it. I don’t believe governments are prepared for the level of civil unrest this is going to cause.
| We either get optimal returns, whatever those might be, or we get a mad max hellscape. In any case, buy and hold index funds.
| 0 | 0.028037 | 38,498 | 6.5 | 1 |
bogleheads | ehp7n8 | After reading up on the great resources provided by Bogleheads on various sites. I am finally convinced of developing a portfolio and staying the course. I have had a Roth IRA for three years and have always had much of it sitting as cash waiting for the 'inevitable' correction/crash/correction. After watching the gains of the last two years go by from the sidelines, in money markets, I have spent some time learning about what I can do. With mostly Bogleheads resources I have developed a relatively simple portfolio, and for some reason the idea finally connected that the portfolio allows you to rebalance and hedge risk. This was huge for me. Taking money out of 'stock' indexes during the good times and putting it back in 'bond' funds, and doing the opposite during the stock market downturns. I have not been worried much about my investments, but having the plan makes it easier to swallow that I could buy in when the stock market peaks. But so what if that happens?I wanted to say thanks to those who have contributed the the information and community. | Thanks Bogleheads | 094ecb8561a24fdab2d00d61abd3133b | 5e49e5eafb514d7c807cc480ca0bcc49 | 1,577,731,326 | 1,577,731,683 | 3 | 16 | Remember that the Roth IRA is a place to put money for future you. Always remember that the power of compounding is on your side over the very long term even if stocks go into recession. Always buy and rebalance stocks as necessary at set times of the year by either DCA or in lump sums. I’m a lump sum investor because I don’t want to pay fees every month; I’m content letting the market do its thing until the next rebalancing period (once a year for me). Only you can set the appropriate amount of time to wait between trades, but remember that fees still cut into your slice of the cake. As nice as it is to have some cash on hand for true emergencies and for bills, remember that your investing money is separate. Invest we must!
| "Taking money out of 'stock' indexes during the good times and putting it back in 'bond' funds, and doing the opposite during the stock market downturns."
Just so you know, this is called "tactical allocation" and is explicitly contrary to Bogle-style thought. I sure hope this subreddit isn't recommending such activity under Bogle's name!
Here it is from Bogle himself, 2017 version of "The Little Book of Common Sense Investing":
"Third is the decision as to whether to introduce an element of tactical allocation, varying the stock/bond ratio as market conditions change. Tactical allocation carries its own risks. Changes in the stock/bond ratio may add value, but (more likely, I think) they may not. In our uncertain world, tactical changes should be made sparingly, for they imply a certain prescience that few, if any, of us possess. **In general, investors should not engage in tactical allocation."**
| 0 | 0.078947 | 357 | 5.333333 | 1 |