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oldhat

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  1. http://i.imgur.com/WrURc.jpg
  2. I am. Plowing the same amount every week into my broad based and small cap equities funds. Just depressing to see my contributions vanish on the bottom line every week. What do you mean by attending to my bond allocation? I'm 31 years old so I thought it would be a good idea to buy stocks cheap(er than usual). So I'm doing 100% stocks and holding steady on my bonds. Maybe I can retire when I'm dead at this rate? ;) The new Lost Generation.
  3. Net gain = Nothing. Nada. What a farce. I'm forever blowing bubbles Pretty bubbles in the air They fly so high Nearly reach the sky Then like my dreams they fade and die Fortune's always hiding I've looked everywhere I'm forever blowing bubbles Pretty bubbles in the air
  4. My 403b portfolio is taking a beating because its 70% equities and 70% of my contribution goes towards equities (using the 100 minus age = percentage in equities rule of thumb). My first instinct, like everyone, was to pull my hand out of the fire but I realize that's a bad move. It sucked watching my contributions buy fewer and fewer shares every week as the market was going up and it sucks even more watching months of contributions evaporate in a matter of days. So its one of those screwed either way things. So I will make the most of a bad situation and put 100% of my contributions into equities now that the price is going down, even though I think they're probably still very overvalued and we're due for a big correction. For my own stress levels, the best thing I can do is not watch TV or flip out over this. It's totally beyond my control. Stay calm, carry on.
  5. Thanks, elgordo, that's the kind of fund I'm looking for.
  6. I agree, the Bay Area is too expensive for regular people. You have to be a doctor or a lawyer to buy a house. I've thought strongly about relocating to Oregon or way Northern California. I think I'll go with my plan of buying a basket of Vanguard ETFs for now. Thnaks for the comments guys.
  7. I live in the Bay Area and housing is absurdly expensive here. I don't have a wealthy family and expect nothing as far as an inheritance (hahaha, as if!). I think I'd need at least $100,000 to put down. That's assuming I'm buying something already on the market in the Bay Area. I'd rather buy a plot of land for under $100,000 and build a small house (850 square feet). My estimations are with materials, fees, permits, appliances, etc., the house would cost another $150,000 to build. I just started saving. I'm pretty frugal and I can save some per month. A few hundred more here and there if I try.
  8. Thanks, Steve, I hadn't thought of a fixed annuity. I'll definitely look into TIAA-CREF. Any thoughts on Vanguard ETFs?
  9. Hi everyone, I consolidated my students loans and have some extra money to save and invest. Does anyone have experience with buying mutual funds, stocks and bonds directly from Vanguard? You guys seem to rave about them. I was looking at low fee online brokers like Firstrade and Tradeking. I feel out of my league picking individual stocks and bonds. Vanguard's commissions compare well to online brokers. The main thing I'm looking for is a DRIP (dividend reinvestment program) to compound the interest. Is this the right approach? I'd put more into my 403b but I need something with a little more flexibility than a straight retirement account. I want to save up for a house over the next 10 years and get a better return than my M.A.T.T.R.E.S.S. account.
  10. Happy to hear you're launching a mobile version of the site. Any chance of a 403bwise app for both Android and iPhone in the future?
  11. That's the percentage of my portfolio each constitutes. And I don't have the return for each one but I'll look it up.
  12. American High-Income Trust (junk bonds) – 5.2% Capital World Bond Fund – 15.1% Capital World Growth and Income Fund – 71.2% SMALLCAP World Fund – 8.5% I've been putting 30% of my contribution into Capital World Bond Fund, 30% into Capital World Growth, 20% into American High Income and 20% into SMALLCAP World. My plan was to keep doing so until I hit 30% total in bonds, then re-adjust. I consider myself an aggressive investor because retirement is a long way off.
  13. I thought 7.5% or better was pretty good, but compared to you, am I doing something wrong? Am I in the wrong funds?
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