Investing megathread extravaganza

[DaFace]

A place to talk about investing stuff.

[Buehler445]

Originally Posted by O.city

I always try and save/invest extra mi they. If I have a good month at the office, I put it in my portfolio. I go back and forth on whether I should try and double my student loan payments each month and get out from under it quicker but it's tough to write that check.

Max the IRas every year for the wife and I and keep some cash in hand etc.

Ultimately I really don't want to or plan to retire at 65, as of right now. My goal by then is to own 4 or 5 dental practices, employ other dentist and work a day or two a week. We'll see how it goes but that's my pie in the sky

If your retirement yields more than your interest rate on student loans, minimum payment that bitch.

[O.city]

Originally Posted by Buehler445

If your retirement yields more than your interest rate on student loans, minimum payment that bitch.

My interest rate is 7 percent on the loans. It sucks.

[Coach]

Okay, here's a question for the guru's.

You have 5 funds to choose from. Your investment percentage is 100%. How would you divide it up to?

The 5 funds are below. Your estimated age is 35.

G Fund - Government Securities
F Fund - Fixed Income Index
C Fund - Common Stock Index
S Fund - Small Cap Stock Index
I Fund - International Stock Index

[lewdog]

Originally Posted by O.city

My interest rate is 7 percent on the loans. It sucks.

Well that answers that.

Pay extra on that loan! Damn.

[O.city]

Originally Posted by lewdog

Well that answers that.

Pay extra on that loan! Damn.

It sucks. I throw as much as I can towards it and with the wife doing well financially it helps.

But that's a tough 3 grand to see go every month

[Coach]

Originally Posted by O.city

It sucks. I throw as much as I can towards it and with the wife doing well financially it helps.

But that's a tough 3 grand to see go every month

It's better for the long run though, considering you are paying a lot into that interest.

[O.city]

Originally Posted by Coach

It's better for the long run though, considering you are paying a lot into that interest.

Yeah and I've actually got the interest down as I had a local bank buy out the loan for me.

Not sure how I worked that out

[Rain Man]

Originally Posted by Coach

Okay, here's a question for the guru's.

You have 5 funds to choose from. Your investment percentage is 100%. How would you divide it up to?

The 5 funds are below. Your estimated age is 35.

G Fund - Government Securities
F Fund - Fixed Income Index
C Fund - Common Stock Index
S Fund - Small Cap Stock Index
I Fund - International Stock Index

0
5 (just so you can put into the market on a downturn)
55
30
10

I'll point out that I'm aggressive on investing, but I think everyone should be.

[lewdog]

Originally Posted by Rain Man

0
5 (just so you can put into the market on a downturn)
55
30
10

I'll point out that I'm aggressive on investing, but I think everyone should be.

I was thinking very similar to Rainman here.

0
10
50
20
20

I like going near 20% for foreign stock as that sector has lagged the US market for a better part of a decade. Cheaper buying options with hopefully a higher ceiling for gains. I too am more aggressive and sit 95/5 stocks to bonds in my portfolio.

[Buehler445]

Originally Posted by Rain Man

0
5 (just so you can put into the market on a downturn)
55
30
10

I'll point out that I'm aggressive on investing, but I think everyone should be.

I'm close to that

0
0
60
30
10

[Coach]

Originally Posted by Rain Man

0
5 (just so you can put into the market on a downturn)
55
30
10

I'll point out that I'm aggressive on investing, but I think everyone should be.

That's kind of pretty close as to how I would structured it.

5
5
40
40
10

[Rain Man]

Originally Posted by lewdog

I was thinking very similar to Rainman here.

0
10
50
20
20

I like going near 20% for foreign stock as that sector has lagged the US market for a better part of a decade. Cheaper buying options with hopefully a higher ceiling for gains. I too am more aggressive and sit 95/5 stocks to bonds in my portfolio.

I keep wanting to put more into international, but man, it's been lagging forever. It's got to come back at some point, right? Right?

[lewdog]

Originally Posted by Rain Man

I keep wanting to put more into international, but man, it's been lagging forever. It's got to come back at some point, right? Right?

Your guess is as good as mine but as I said, a DECADE! A ****ing decade. It can't do it for another decade can it? Can it?!?!

[Buehler445]

Originally Posted by Rain Man

I keep wanting to put more into international, but man, it's been lagging forever. It's got to come back at some point, right? Right?

It all depends on what the mutual fund is. Most 401s have one mutual fund for international stocks, and looking even at the US, if an international fund consisted of the international equivalent of GE, Steel Stocks, and utility companies it would lag hard.

I'd want to see what the prior performance was or at least some more info before I stuck much in there.

Most companies are much more refined about US companies.

[Rain Man]

Originally Posted by lewdog

Your guess is as good as mine but as I said, a DECADE! A ****ing decade. It can't do it for another decade can it? Can it?!?!

How old are you? I think you're not old enough to have been an investor in the 80s when Japan was taking over the world. Well, it's still down 50 percent from its peak ... in 1989. I've been wary of international stocks for years because of this, and can't figure out why Japanese stocks aren't a huge bargain.