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Do you have a backup cash reserve, or something similar? They actively manage for a variety of investor priorities instead of indexing. Roulette Rules Roulette is pretty simple and straightforward, but the game does come with a set of rules and etiquette that players have to know before they start placing chips at the table. This way, the first win recoups all the previous losses, along with a small profit for the gambler. Alternately, because the D'Alembert is an even chance betting system, you can also place a bet on even or odd number, as well as or So far so good.
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Steve May 19, , 1: Now, I could pay extra on my mortgage or I could invest in the market. A smart man would hedge and take a known 4. Another thing to keep in mind is those extra mortgage payments are sunk and harder to get out of than long term cds. You either have to sell your house or take a second mortgage pay money to get that money back out even when rates etc. Just keep in mind, that as your approach your early retirement date, a known 4. I know it will be to me. In this case, getting a Vanguard account directly sounds like the way to go.
First of all, there is no transaction fee at all, a savings which will become significant if you are making several purchases per year. Also, with a Vanguard account you get access to their beautiful website which lets you track your investments easily and make changes. And you can connect it to your regular ING Electric Orange account for easy electronic transfers to and from Vanguard at any time. Even automatic recurring ones if you want.
Adam July 30, , Thanks again for your great life tips, financial advice, and awesome philosophies. I recently became a subscriber and look forward to exploring more of your excellent website.
One is a US Index Fund, 0. Thank you, and I hope it is appropriate to ask specific financial advice here on your blog. Money Mustache July 31, , 9: John January 28, , 8: Recent changes in the relative value of the US dollar and the Canadian dollarette make this very relevant once again. Thanks for the amazing blog. I guess we love talking about money! Brandon September 8, , 8: Would some diversification not be recommended?
John October 26, , 7: It has a fund charge of 0. I assume this is a total rip off and I should dump this, move to Vanguard and save big. September 22, , 3: Adam — MMM has it right here, but I want to offer you some numbers to flesh out his advice.
I do these figures on a regular basis for my clients, so here are some ballpark numbers: All else being the same, but at a 2. Keep in mind that if you have an existing balance or are contributing more than that as you should be!
TOM M January 7, , 9: Vanguard is just simply the best. Bogle simple investment philosophy. You never need a broker. Maki January 31, , 5: Thanks for this updated reply. Money Mustache May 18, , 3: Two great lessons… one about investing in index funds and another about having Enough. He kind of made me teary eyed at the end there, actually. Warren Buffet has also been quoted many times advising folks to purchase index funds.
It is also nice to hear that Mr. Buffett agrees with me on the Index Funds, even while he is one of the very very few people in the world who has consistently beaten the index with his Berkshire Hathaway investments. Dave May 19, , 6: Sounds like good advice. Couple of detail points: Mutual fund expense ratios are calculated on your holdings, not on what your holdings earn so if you lose in a given year, the fund still makes money on your holdings. Text seems to imply that all profitable public companies pay dividends, but many choose not to pay dividends.
MMM May 19, , Yes, those are valid points — the expense ratio applies every year, but it is true for all mutual funds so the key to maximizing profit still lies in comparing and minimizing these expense ratios. Otherwise they would be a profit-making, non-growing, non-dividend paying company. The company will just build up an infinitely large cash hoard, which does not benefit shareholders. At this point, the shareholders would get antsy and vote to have the money distributed to them as dividends.
Its dividend is a very high 4. The Vanguard Index Fund does indeed sound like a good idea; however, I live in Austria, so there are two considerations:.
MMM May 25, , 8: Good question, although I do not know much at all about investment from a European perspective. Maybe another European is reading who can speak up on their investment perspectives for US and world stocks. Also, you are right that fluctuations between currencies will add an extra variable to international investments.
Even here in the US this is true — I do have some international index funds and they are showing great gains right now since they are expressed in US dollars, while the other currencies have appreciated relative to us. If the Euro is strong now relative to US, it could be a good time to buy US stocks if you believe the US dollar will recover eventually. Denisa September 1, , 9: Hi, I am also interested in european index funds and I did find something on the Vanguard site.
Seems like they do offer the same package on the european market, but with expense ratio 0. This is the link: MM, please let me know what you think, since I am a novice in the matter. Marko May 30, , I started reading your blog from the beginning after reading through the most popular articles upon finding it a couple of weeks ago. I find this topic still interesting because I am in a similar situation as Marcel. Are there any new resources in the last 5 years where I could read upon this topic?
Pedro December 3, , 4: I am in the same situation. I think that is what you are looking for. Manfred May 18, , 1: I am wondering if anyone can share any experiences regarding investing in Index Funds outside of US since then? I am in a similar situation as Marcel: I am from Austria living in Spain. An alternative I am trying right now is https: I can share my experiences later. Stef May 22, , 5: Acorn May 25, , 1: I have quite a bit of cash sitting around earning nothing in savings accts and money market accts.
Some of the money needs to stay accessible for college tuition and the rest will probably go towards paying cash for a home. Would you recommend using an index fund in this situation, or should I just grin and bear the lack of any income from the cash? MMM May 25, , If you are feeling very adventurous and are prepared for the possibility that the value of the investment may go down before it goes up , you can still go for the index fund.
Gambling can be fun when the odds are in your favor. When the stocks go down, the bonds go up, so the fund is more stable. The reason is because losses get magnified. Three years after the low in you are just getting back to your money.
So typically if the market takes a loss which occurs on average, but not predicably, one out of every four years, you can easily end up losing money. That is why most financial advisors typically recommend any money you need in the next 5 years or so not be in the market. Acorn May 26, , 3: Thank you for your many replies Mr. I started at the beginning of your blog and worked my way forward, such wonderful information you have offered.
Exotic Hamster June 10, , I might be missing something. The expense ratio is far less in the ETF. MMM June 11, , Good point — looking it up, the VOO index tracker has an expense ratio of 0.
For a buy-and-hold investor, the VOO could save some money. But to buy an ETF, you usually need a brokerage account. If you are making monthly or bi-weekly investments to an from your paycheck, your trading costs might add up to much more than that: The expense ratio of the Admiral shares is only 0. Exotic Hamster June 11, , If you have a brokerage account with Vanguard you can trade their ETFs commission free. NAV and capital gains deferral. Nick September 15, , 2: I think this would really help beginning readers like myself.
Keep up the good work! Alex October 13, , First off, I recently discovered this blog and now I am consumed by it. Your perspective and attitude is exactly aligned with mine, and your style is much more entertaining to read than many other financial blogs.
Ok, enough with the compliments. I also looked into TD and have noticed they have a new e-Series fund account that significantly lowers the management fees on index fund purchases.
Does your expert panel have any tips for how to best direct your investment dollars in Canada? Andy October 23, , 1: However it is important to also consider further diversification, by different asset classes and geographical areas property, REITs, bonds, international stocks and emerging markets etc.
Had I read these books 10 years ago and diversified accordingly, I would have benefited from the extra diversification in bonds and emerging markets, while my home market failed to make any significant progress over the decade. Katie November 7, , 6: Yuriy December 19, , 5: Ah the expense ratio explains why you push the Vanguard fund so much.
I am still in the early 20s gambling on the stock market stage, but trying to push myself to think longer term about where I put my money.
Maybe you have some thoughts about an issue I have with most index funds: This is good for dividends, but I see it as a problem — I cannot morally bring myself to invest in many of these companies.
Looking at the top 10 holdings for a few index funds, I see stocks like Exxon-Mobil, Microsoft, Phillip Morris, Apple — companies that individually I would not invest in on principle. This is my problem, too. So sorry if you addressed this in another post; I have not read every single one!
Andres September 20, , 2: I was going to leave a very similar comment, but you beat me to it. Angela July 14, , I think land lording sounds kinda fun. Elle December 17, , 6: Money Mustache December 17, , 2: But it could still be an improvement over owning ALL shares.
Tess January 2, , 2: Fund philosophy is here: Commercial real estate is trending very strongly toward energy efficiency and sustainability so I feel good about this. If I were less concerned about return or had more capital to play with I would definitely absolutely no-question purchase Calvert funds.
You can select funds based on different moral priorities. John February 24, , 2: If you search for Vanguard they have some funds that are industry specific and fossil fuel free: Technology, Real Estate, and Health Care. Amicable Skeptic December 21, , 2: Great blog MMM, I stumbled upon it a few days ago and have been entranced reading all your entries. This one has made me think about my own investment strategy and come out of the shadows to actually posit a question.
So, I was literally grandfathered in to a Fidelity account, my grandfather set it up for me back when I was in high school, and have thought I was being wise by investing in FSTMX in it. What do you think? DBestAQ February 16, , 2: Your insistence that the Vanguard Index Fund is the way to go has me looking over my portfolio. Please help me get a handle on this.
Currently my portfolio is diversified between Stock, Bond, Blended, and Income investments. Vanguard Index is available, with an expense ratio of 0. My question is this…The average annual returns for the Mainstay are much larger than the Vanguard…. It would appear that even with the higher expense ratio, the Mainstay comes out more profitable in the long run.
What are your opinions? Money Mustache February 16, , 3: In general and statistically speaking, funds with higher expense ratios like that Mainstay one will lag a low-cost index fund. If you happened to beat the market over a random time period, consider yourself lucky! But the odds are in your favor switching to an equivalent fund with lower expense ratio at any convenient point.
Hanne van Essen April 9, , 8: I am a new reader of your blog from the Netherlands. Slowly on my way to be a Mustachian maybe, by getting the mortgage paid off and figuring out what is was again we are earning money for. Anyway, I have invested in Index funds in the past, but have sold it all recently. Even if the cost is low, it is still a Bank Product, so you are paying your bank money for something you can easily do yourself.
Just find out what stocks are in your index, at which ratio, and make your own little basket of stocks. Boks stumble past Wallabies. Province entrenched at the top. Cheslin Kolbe will make his Springbok run-on debut when they play against Australia in Port Elizabeth and the diminutive wing's former Stormers teammates could not be happier for him.
A second hat-trick of the season from Liam Williams saw Saracens extend their percent start to the season with a victory over Bath. Australian Rugby is as at one of the lowest points in its long history.
Wasps picked up their third successive Premiership Rugby away win with a tense victory against Newcastle Falcons. Cheetahs wasted a perfect opportunity to secure a win after Cardiff Blues overturned a point deficit for the victory over the South Africans at the Arms Park. Australia Boks want to be 'cut-throat' against Wallabies. The outcry that Rugby Union is going soft may become louder if the latest dispatches around the tackle law are to be believed.
Auckland have had their six-match winning streak ended by fiercely committed Otago side at Eden Park on Friday. Argentina backline star Emiliano Boffelli wishes New Zealand had won their last match, instead of suffering a stunning home defeat to South Africa.
Toulon head to Top 14 leaders Clermont on Saturday seeking just a second victory in Auvergne in more than 80 years of rivalry in a crunch match that could well set the tone for the season. Western Province and the Sharks will go head-to-head in a table-topping thriller in the Currie Cup in Cape Town on Saturday, where the winning side will secure a home semifinal. In around two and a half centuries, the gambling game roulette has grown from what was an obscure novel casino entertainment into the immensely popular game we know of today.
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