Explore >> Select a destination
|
You are here 
|
www.rdegges.com | ||
| | | | |
seattlebubble.com
|
|
| | | | | In late June's post where I plotted the long-term trend of inflation-adjusted local home prices, there was some disagreement with my snarky insinuation that zero real appreciation over thirteen years (1999 to 2012) represents a lousy investment. As one reader correctly pointed out, the stock market's total non-inflation-adjusted return over the same time period is a paltry 5.1%, which turns into a loss of 26% after you adjust for inflation. Even if you ignore the leverage you get from your down payment and the additional principal you paid into the mortgage over that time period, zero growth in home prices still beats a 26% loss in the stock market, right? Of course, home ownership is a complex financial commitment, and simple comparisons of purchase and sales prices don't tell the whole story. Five years ago I published a rent vs. purchase spreadsheet that takes into account interest rates, home appreciation, maintenance costs, insurance, income tax ... | |
| | | | |
bettertomorrowfinancial.com
|
|
| | | | | Long-term savings (3-5+ years) Recommended choice: Target date fund (starts at 90-10 split between stocks and bonds, then shifts gradually to bonds as you age.) For money you don't intend to spend within the next 3-5+ years, the simplest and safest option is to put everything in a Vanguard Target Retirement fund. Choose the fund... | |
| | | | |
jlericson.com
|
|
| | | | | You've probably heard of the marshmallow test. It's where you give a child a marshmallow and tell them they can eat it now or wait for a while in order to get two marshmallows. Traditionally it's been framed as a test of willpower. That may be, but it's also an ideal illustration of what it means to be an investor. | |
| | | | |
jlcollinsnh.com
|
|
| | | In Part IV we looked at some sample portfolios built from the three key Index Funds I favor, plus cash. Those four are what we call investments. But in our complex world we must next consider where to hold these investments. That is, in which bucket should which investment go? There are two types of... [Continue Reading] | ||
