dullard
Elite Member
- May 21, 2001
- 25,765
- 4,292
- 126
Ah, the water cooler discussion. Get paid 8 hours to do nothing when you are in the office and no one knows the better. Because you are in the office collaborating with your colleagues.
dullard
Elite Member
- May 21, 2001
- 25,765
- 4,292
- 126
Small companies and growth companies are getting hammered. Value companies, especially large value companies are doing quite fine. So, the small company funds are on my watch list. I think they need to drop another 10% for me to be seriously tempted to put more cash in. But, if my international funds keep skyrocketing, I might move some of that money into the small US company funds rather than using up my cash.
I have enough money in growth funds at the moment (due to their large growth the last couple of years), so their drop isn't remotely tempting me yet.
I have enough money in growth funds at the moment (due to their large growth the last couple of years), so their drop isn't remotely tempting me yet.
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www.morningstar.com
- VSIAX for small value: https://www.morningstar.com/funds/xnas/vsiax/portfolio
- VSMAX for small core: https://www.morningstar.com/funds/xnas/vsmax/portfolio
- Alternatively, VTMSX for small core in a taxable account: https://www.morningstar.com/funds/xnas/VtMsX/portfolio
- I don't do small growth companies. Too much risk and too little reward in general.
biostud
Lifer
- Feb 27, 2003
- 19,488
- 6,553
- 136
pete6032
Diamond Member
- Dec 3, 2010
- 7,950
- 3,442
- 136
- Aug 4, 2000
- 30,580
- 2,581
- 126
- Aug 4, 2000
- 30,580
- 2,581
- 126
dullard
Elite Member
- May 21, 2001
- 25,765
- 4,292
- 126
Not ready yet.
1) Announce tariffs
2) Stock market drops
3) Billionaires buy tons of stock
4) Cancel tariffs
5) Stock market goes back up.
We are at step #2 heading to #3.
biostud
Lifer
- Feb 27, 2003
- 19,488
- 6,553
- 136
Except 5 is not going to happen, as the uncertainty of DJT will move any sane investor to other markets.
Charmonium
Lifer
- May 15, 2015
- 10,326
- 3,406
- 136
You can also try some low-fee (under 1%) sector funds.
I don't pay much attention to the stock market either, but then I have investments that are decades old and I prefer it that way - ride out the bumps. Almost everything is various types of funds. I'm not even sure what any more since I don't pay attention.
Just remember - the historical trend is always up. So "historical" is in what you want for your investments.
I don't think we were going that deep but we'd still be on a cutting cycle - but for Trump. He seems to want a fully fledged recession and I suspect that he'll get his wish. Shrug.
Roy Batty
Junior Member
- Aug 4, 2011
- 11
- 8
- 81
I believe, for the time being, he'll get all his wishes. Which is why most, but not all, of my retirement is now sitting in G bonds until the market figures out how to react to all of his (and his minions') whims. As may be apparent, I know little or nothing about investing, I am not going to let the nuttiness in DC play havoc with my retirement nest egg.
- Aug 4, 2000
- 30,580
- 2,581
- 126
Charmonium
Lifer
- May 15, 2015
- 10,326
- 3,406
- 136
Investment grade bonds are great - IF you hold them to maturity. In that case, you aren't really concerned with interest rates. Sure, you might have some paper loses if rates go above what your bond is paying you. But in the meantime, you're getting precisely what you signed up for. That goes a long way to soothing the nerves. Personally, I don't hold any bonds or bond funds. To get a decent return of say 10%, almost by definition, you're looking at the junk end of the spectrum. I prefer to take my chances in the market but that is almost exclusively via Vanguard and T Rowe Price funds.
repoman0
Diamond Member
- Jun 17, 2010
- 5,116
- 4,422
- 136
We all get it dude, you’re a middle manager who has never worked in a high performance environment with capable people.
- Aug 4, 2000
- 30,580
- 2,581
- 126
So the government is set to shut down on March 14th unless the Republicans w/moderate Democrats approve a 6 month spending bill. So far many Republicans are unhappy with it.
Will the government shut down? And will the market just ignore it?
Thankfully Ive already gotten my tax refund back and applied it to debt repayment. I did not want to risk the shut down nonsense.
(Ive also updated my avatar, they are from the first version of Civilization from 1991, when the government is changed to despotism)
Will the government shut down? And will the market just ignore it?
Thankfully Ive already gotten my tax refund back and applied it to debt repayment. I did not want to risk the shut down nonsense.
(Ive also updated my avatar, they are from the first version of Civilization from 1991, when the government is changed to despotism)
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I'll add that "are people on Reddit still asking about WFH / complaining about RTO" is my barometer as to whether the economy is in fact crashing.
So far they still are.
So far they still are.
Brainonska511
Lifer
- Dec 10, 2005
- 27,488
- 11,821
- 136
Indus
Lifer
- May 11, 2002
- 14,633
- 10,228
- 136
Thanks to the Trump tax cuts I actually owe $3760 vs when I used to get a refund before with Obama.
I scheduled them to take it on March 15th.. hopefully they're closed and they forget to take it this year!
dullard
Elite Member
- May 21, 2001
- 25,765
- 4,292
- 126
What someone owes / gets as a refund at tax time is probably the worst possible measure of what tax changes actually did. There are so, so, so many ways to game that particular value. The easiest way to get a refund is to put a different number on your W-4 form (either different number of credits on step 3 or different amount of withholding on step 4).
You essentially are making the point that getting $0.93 back in change on a steak dinner at a restaurant makes the steak cheaper than getting $0.75 in change on a packet of ramen noodles at a grocery store. The amount of change has almost nothing to do with the total price you paid because it ignores the important detail of how much money you handed over.
What matters is how much actual total tax you paid. Use it as a percent of your income if your income happened to change much. Percent of income also helps keep your data private if you want to discuss things on the internet.
Yes, SALT deduction changes may have made you pay more total tax. But, my point is that refund/owed amounts when you file your taxes is pretty much irrelevant to any meaningful discussion points.
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- Aug 4, 2000
- 30,580
- 2,581
- 126
JTsyo
Lifer
- Nov 18, 2007
- 11,975
- 1,099
- 126
Interview on Fox, Trump's is expecting a recession too. Thinks it's necessary before his policies create a strong economy.
- Aug 4, 2000
- 30,580
- 2,581
- 126
I have long supported government reform, austerity and a balanced budget. If you start to too see a market limit down 5% or more it means a big flush. I am long QQQ puts now.
Considering the S&P pe ratio has been above average for quite some time there was plenty of fluff in the market.
And considering persistent inflation dont expect the Fed to come to the rescue.
IronWing
No Lifer
- Jul 20, 2001
- 71,997
- 32,243
- 136
^ I’ve long supported shooting myself in the dick, for no reason.
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