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I'm not looking to chase so much as to see what's up with the market. I'm young and have a little bit of money to invest. The bulk of my investments will be the safer funds, but I was looking into a region/industry to put some money into as well for a little while and to see where that goes...
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Who wants DVDs? Good prices! I swear!
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Portfolio Theory
There is something called portfolio theory. Basically, it says you need to be diversified, and rebalance periodically, and adjust all this for your risk tolerance as you age. The Target Retirement funds do all this automatically. Thus, there is no need for further diversification, with one exception. Those funds are well balanced between stocks, bonds, and cash, but they are missing real estate (with the exception of some of the large publicly traded developers and hotel chains). Vanguard has a very good diversified REIT fund. While residential housing is coming down from a peak (who knows when it will turn around), commercial real estate is very strong and does not appear to be slowing down any time soon. VGSIX.“It is no use trying to 'see through' first principles. If you see through everything, then everything is transparent. But a wholly transparent world is an invisible world. To 'see through' all things is the same as not to see.”
― C.S. Lewis, The Abolition of ManComment
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BTW
Most planners will tell you to avoid REITs since you already have a hefty investment in real estate (your house). The good ones will listen when you tell them you don't own a house and adjust their recommendations accordingly. The bad ones will just keep telling you to avoid REITs since they are a risky sector bet. I was assuming you did not own a house.“It is no use trying to 'see through' first principles. If you see through everything, then everything is transparent. But a wholly transparent world is an invisible world. To 'see through' all things is the same as not to see.”
― C.S. Lewis, The Abolition of ManComment
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My REIT has done me exceedingly well too. But I've been advised to lessen my monthly contributions to it.THEY!!111 OMG WTF LOL LET DA NOMADS AND TEH S3D3NTARY PEOPLA BOTH MAEK BITER AXP3REINCES
AND TEH GRAAT SINS OF THERE [DOCTRINAL] INOVATIONS BQU3ATH3D SMAL
AND!!1!11!!! LOL JUST IN CAES A DISPUTANT CALS U 2 DISPUT3 ABOUT THEYRE CLAMES
DO NOT THAN DISPUT3 ON THEM 3XCAPT BY WAY OF AN 3XTARNAL DISPUTA!!!!11!! WTFComment
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Re: BTW
I am a little surprised at that advice since I never really think of my house in investment terms ( even though it has grown in value more than anything else I own).Originally posted by pchang
Most planners will tell you to avoid REITs since you already have a hefty investment in real estate (your house). The good ones will listen when you tell them you don't own a house and adjust their recommendations accordingly. The bad ones will just keep telling you to avoid REITs since they are a risky sector bet. I was assuming you did not own a house.You don't get to 300 losses without being a pretty exceptional goaltender.-- Ben Kenobi speaking of Roberto LuongoComment
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Keep your allocation in mind
If your REIT now exceeds your target allocation, you should lessen your monthly contributions until you are within the tolerances of your target allocations.Originally posted by LordShiva
My REIT has done me exceedingly well too. But I've been advised to lessen my monthly contributions to it.“It is no use trying to 'see through' first principles. If you see through everything, then everything is transparent. But a wholly transparent world is an invisible world. To 'see through' all things is the same as not to see.”
― C.S. Lewis, The Abolition of ManComment
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Re: Re: BTW
And having made that realization, you should be surprised no longer.Originally posted by Flubber
I am a little surprised at that advice since I never really think of my house in investment terms ( even though it has grown in value more than anything else I own).“It is no use trying to 'see through' first principles. If you see through everything, then everything is transparent. But a wholly transparent world is an invisible world. To 'see through' all things is the same as not to see.”
― C.S. Lewis, The Abolition of ManComment
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uhhhh... REIT??? I assume they're targeted real estate sector funds?
Oh, and yeah, I don't own a house...Who wants DVDs? Good prices! I swear!Comment
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Oh, and does Vanguard have physical offices? Or is that part of the reason why they have some of the lowest costs?Who wants DVDs? Good prices! I swear!Comment
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Vanguard
does not have physical offices all over the place. However, they do have a very large campus in Valley Forge, PA. Their fees are low because it was one of the main principles of their founder, John Bogle.“It is no use trying to 'see through' first principles. If you see through everything, then everything is transparent. But a wholly transparent world is an invisible world. To 'see through' all things is the same as not to see.”
― C.S. Lewis, The Abolition of ManComment
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REIT = Real Estate Income Trusts = income flow-through on real estate investmentsOriginally posted by Mao
uhhhh... REIT??? I assume they're targeted real estate sector funds?
Oh, and yeah, I don't own a house..."The French caused the war [Persian Gulf war, 1991]" - Ned
"you people who bash Bush have no appreciation for one of the great presidents in our history." - Ned
"I wish I had gay sex in the boy scouts" - DissidentComment
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Re: Re: BTW
That, and in most countries it is tax exempt (as PPR), making it even more attractive as an investment.Originally posted by Flubber
I am a little surprised at that advice since I never really think of my house in investment terms ( even though it has grown in value more than anything else I own).One day Canada will rule the world, and then we'll all be sorry.Comment
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Originally posted by Serb:Please, remind me, how exactly and when exactly, Russia bullied its neighbors?
Originally posted by Ted Striker:Go Serb !
Originally posted by Pekka:If it was possible to capture the essentials of Sepultura in a dildo, I'd attach it to a bicycle and ride it up your azzes.Comment
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one of yours?“It is no use trying to 'see through' first principles. If you see through everything, then everything is transparent. But a wholly transparent world is an invisible world. To 'see through' all things is the same as not to see.”
― C.S. Lewis, The Abolition of ManComment
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Re: Tell me what you know of mutual funds
Originally posted by Mao
So, I'm looking into buying some mutual funds to secure my financial future, all that good crap, etc.
This is what brings you back here? Forget the real world. Play some Civ (especially good, old-fashioned Civ2).(\__/) Save a bunny, eat more Smurf!
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(")_(") Smurf, the original blue meat! © 1999, patent pending, ® and ™ (except that "Smurf" bit)Comment
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