BMW Garage BMW Meets Register Search Today's Posts Mark Forums Read
BIMMERPOST Universal Forums Off-Topic Discussions Board School me on investments?

Post Reply
 
Thread Tools Search this Thread
      11-01-2016, 08:59 AM   #89
mantis
Captain
mantis's Avatar
United_States
276
Rep
655
Posts

Drives: 2011 328i
Join Date: May 2016
Location: socal

iTrader: (0)

Garage List
2011 e90  [5.50]
amazon targeted to see 953.00
Appreciate 0
      11-01-2016, 09:45 AM   #90
BayMoWe335
Colonel
1173
Rep
2,132
Posts

Drives: 2010 E92 335i 6MT
Join Date: Aug 2009
Location: US

iTrader: (0)

Quote:
Originally Posted by mantis View Post
amazon targeted to see 953.00
So bet everything on it?

This kind of post is an example of terrible advice.
Appreciate 1
David701567.00
      11-01-2016, 10:01 AM   #91
mantis
Captain
mantis's Avatar
United_States
276
Rep
655
Posts

Drives: 2011 328i
Join Date: May 2016
Location: socal

iTrader: (0)

Garage List
2011 e90  [5.50]
Quote:
Originally Posted by BayMoWe335 View Post
So bet everything on it?

This kind of post is an example of terrible advice.
so bet everything on it , lol, no. just sit back and watch it
Appreciate 0
      11-08-2016, 11:45 AM   #92
HyeWarrior
Major
747
Rep
1,117
Posts

Drives: 2012 135i DCT
Join Date: Aug 2010
Location: San Dimas, CA

iTrader: (1)

I just found out my employer is no longer matching 401k contributions this year
Appreciate 0
      11-08-2016, 12:21 PM   #93
David70
Colonel
United_States
1567
Rep
2,665
Posts

Drives: 06 Z4M Coupe - 13 Cadillac ATS
Join Date: Apr 2012
Location: Cincinnati, OH

iTrader: (1)

Quote:
Originally Posted by HyeWarrior View Post
I just found out my employer is no longer matching 401k contributions this year
For 2016 or are you talking about next year? Would be really odd for it to be this year as most match it per pay period.

In the end the 401k match is part of your overall package and if the package isn't as good as other places you make a decision.

As a former owner of a house with apartments I did pretty well overall with it as an investment but one thing people should consider is unlike stocks and bonds it is lot more work. You can get a company to manage it but then they are taking part of the profit and even then it's not like a stock where you just look at it when you want and can sell it today for market rate if you don't want it anymore.
__________________
2006 Z4M Coupe - Stromung exhaust, ZHP knob, stubby antenna, clutch delay delete
Appreciate 0
      11-08-2016, 12:24 PM   #94
HyeWarrior
Major
747
Rep
1,117
Posts

Drives: 2012 135i DCT
Join Date: Aug 2010
Location: San Dimas, CA

iTrader: (1)

Quote:
Originally Posted by David70 View Post
For 2016 or are you talking about next year? Would be really odd for it to be this year as most match it per pay period.

In the end the 401k match is part of your overall package and if the package isn't as good as other places you make a decision.

As a former owner of a house with apartments I did pretty well overall with it as an investment but one thing people should consider is unlike stocks and bonds it is lot more work. You can get a company to manage it but then they are taking part of the profit and even then it's not like a stock where you just look at it when you want and can sell it today for market rate if you don't want it anymore.
Yea the benefit is no longer offered for the 2017 year.

My personal end goal is to own property, but that's much further down the line
Appreciate 0
      08-02-2017, 12:35 PM   #95
Joekerr
Banned
7926
Rep
1,923
Posts

Drives: 2017 Audi S6
Join Date: Jan 2008
Location: Toronto, ON

iTrader: (0)

Bumping an older thread.

What is everyone's outlook on ETF's vs mutual funds? To me, seems like ETF's with the lower MER are the way to go (along with other factors). Any specific ETF's everyone likes?

Anyone using a robo-advisor - which platform if so?

I'm torn, because I don't think mutual funds are the way to go, but at the same time, I have a decent chunk of change I want to invest but I don't have enough knowledge about ETF's I feel. So I'm debating robo advisor, just because then I can pick a basket that satisfies my risk tolerance, but I don't like the only bank that does robo up here, and I don't know that I trust Wealthsimple and others.
Appreciate 0
      08-02-2017, 12:56 PM   #96
JohnnyCanuck
Major
Canada
1254
Rep
1,352
Posts

Drives: 2018 Audi RS3
Join Date: Oct 2009
Location: Vancouver

iTrader: (1)

One thing I don't see mentioned in here (unless I missed it) is the use of sponsored DRIP's as a wealth accumulation tool.

In short, if you invest in equities, many companies offer sponsored dividend reinvestment plans (DRIP) to registered shareholders. Instead of receiving dividends cash, they are reinvested by the transfer agent in the company stock, often at a discount (I've seen as high as 5%) from the trading price. The real advantage is the ability to accumulate through partial shares.

For example, if the stock is trading at $30, and the per share monthly (or quarterly dividend) is $.20 and you own a 100 share block, your cash dividend is $20. However, through the DRIP, you would receive .66 shares instead of the cash (and if discounted let's say @ 5% it would be .70 shares). Next month/quarter you would be paid the dividend on 100.70 shares and which would then be reinvested. The compounding effect over time is significant.

My father accumulated significant holdings through this method from initial small investments. Especially as stocks split because your plan holdings double too.

It is an investment strategy I am following as well. Computershare is one of the major transfer agents and the list of available DRIPs is here. AST is another, their list is here.
Appreciate 0
      08-02-2017, 01:25 PM   #97
BayMoWe335
Colonel
1173
Rep
2,132
Posts

Drives: 2010 E92 335i 6MT
Join Date: Aug 2009
Location: US

iTrader: (0)

Quote:
Originally Posted by Joekerr View Post
Bumping an older thread.

What is everyone's outlook on ETF's vs mutual funds? To me, seems like ETF's with the lower MER are the way to go (along with other factors). Any specific ETF's everyone likes?

Anyone using a robo-advisor - which platform if so?

I'm torn, because I don't think mutual funds are the way to go, but at the same time, I have a decent chunk of change I want to invest but I don't have enough knowledge about ETF's I feel. So I'm debating robo advisor, just because then I can pick a basket that satisfies my risk tolerance, but I don't like the only bank that does robo up here, and I don't know that I trust Wealthsimple and others.
ETFs trade like stocks, have no load, and typically have cheaper expense ratios. Mutual funds settle at the end of the day so the price only changes once per day, not every second like an ETF or stock. There is nothing wrong with owning them.

For example:

VTI - Vanguard Total Stock Market Index (ETF)
VTSMX - Vanguard Total Stock Market Index (Mutal Fund)

They have identical performance. The only difference is VTI costs 0.04% to own, VTSMX costs 0.15% annually. You can also buy VTI at no commission if you hold it at least 30 days. Essentially a no brainer.

I own both VTSMX and VTI, but I've transitioned over to almost all ETFs. Just easier to buy, cheaper (in some cases), and easier to trade since they are like stocks.

You can enroll in DRIP in both. You cannot buy partial shares of an ETF (as you can in mutual funds) unless it's part of a DRIP. Mutual funds also typically force you to have a minimum amount invested. Now that I wrote all this out, mutual funds are pretty worthless in comparison. Their prices might be a bit more stable in a moment of panic (doesn't matter over time).
Appreciate 0
      08-02-2017, 01:47 PM   #98
///M Power-Belgium
General
///M Power-Belgium's Avatar
Belgium
62737
Rep
24,509
Posts

Drives: ///M3-E92-DCT Silverstone II
Join Date: Jul 2012
Location: Belgium

iTrader: (0)

Gold Rush .
__________________
"MAX VERSTAPPEN" IS THE 2021+2022+2023 F1 WORLD CHAMPION - #UnLeashTheLion

BPM DEV-Tune & DCT Software-Tune & Servotronic & coding ///Alpine HID Angeleyes ///Oem.exhaust mod.
Appreciate 0
      08-02-2017, 01:57 PM   #99
Joekerr
Banned
7926
Rep
1,923
Posts

Drives: 2017 Audi S6
Join Date: Jan 2008
Location: Toronto, ON

iTrader: (0)

Quote:
Originally Posted by BayMoWe335 View Post
ETFs trade like stocks, have no load, and typically have cheaper expense ratios. Mutual funds settle at the end of the day so the price only changes once per day, not every second like an ETF or stock. There is nothing wrong with owning them.

For example:

VTI - Vanguard Total Stock Market Index (ETF)
VTSMX - Vanguard Total Stock Market Index (Mutal Fund)

They have identical performance. The only difference is VTI costs 0.04% to own, VTSMX costs 0.15% annually. You can also buy VTI at no commission if you hold it at least 30 days. Essentially a no brainer.

I own both VTSMX and VTI, but I've transitioned over to almost all ETFs. Just easier to buy, cheaper (in some cases), and easier to trade since they are like stocks.

You can enroll in DRIP in both. You cannot buy partial shares of an ETF (as you can in mutual funds) unless it's part of a DRIP. Mutual funds also typically force you to have a minimum amount invested. Now that I wrote all this out, mutual funds are pretty worthless in comparison. Their prices might be a bit more stable in a moment of panic (doesn't matter over time).
Well, that's basically what I've come to conclude based on my research as well. I suppose at the end of the day I'm hesitant to pull the trigger and potentially lose. Yet I don't want the miserable returns of a safe investment like a GIC which pays next to nothing.

I guess basically I need to grow a pair and pull the trigger.

I'm seeing ranges on the ETF's from around 5% to 13% (depending on timing and other factors, and only looking at one year growth which isn't indicative all the time. Have to do more research before buying.

Are those percentages in line with what you are seeing as well? Any other investment vehicles I should be considering that don't require active day to day management?
Appreciate 0
      08-02-2017, 03:21 PM   #100
1MOREMOD
-
1MOREMOD's Avatar
United_States
11815
Rep
23,187
Posts

Drives: Race car->
Join Date: Mar 2009
Location: check your mirrors

iTrader: (5)

Buy a new Ford gt wait
Appreciate 0
      08-02-2017, 06:32 PM   #101
JasonCSU
Colonel
United_States
699
Rep
2,548
Posts

Drives: '08 135i, '88 325is
Join Date: Feb 2008
Location: Denver, CO

iTrader: (0)

Garage List
1988 BMW 325is  [0.00]
2008 BMW 135i  [0.00]
Quote:
Originally Posted by Joekerr View Post
Bumping an older thread.

What is everyone's outlook on ETF's vs mutual funds? To me, seems like ETF's with the lower MER are the way to go (along with other factors). Any specific ETF's everyone likes?

Anyone using a robo-advisor - which platform if so?

I'm torn, because I don't think mutual funds are the way to go, but at the same time, I have a decent chunk of change I want to invest but I don't have enough knowledge about ETF's I feel. So I'm debating robo advisor, just because then I can pick a basket that satisfies my risk tolerance, but I don't like the only bank that does robo up here, and I don't know that I trust Wealthsimple and others.

I have been thinking about this recently too as I have been investing a little over the years into a dividend equity mutual fund from Schwab. I realized they have a very similar dividend equity ETF that seems to make more sense as an investment.
__________________
Delivered in Munich, broken in on the Nurburgring.
Appreciate 0
      08-02-2017, 06:36 PM   #102
bimmer456
Major General
2938
Rep
5,983
Posts

Drives: 340i
Join Date: Nov 2016
Location: Pasadena, CA

iTrader: (0)

Buy and Hold. Don't put too much in your 401k rather roll everything into a Roth IRA or non retirement account with your own brokerage. Then you can buy and trade individual stocks on your own. Apple stock is a good choice as it is going up all the time and it's the most valuable company in the world.
Appreciate 0
      08-02-2017, 07:42 PM   #103
NFiftyWon
Second Lieutenant
97
Rep
240
Posts

Drives: E90 LCI 328 X-Drive
Join Date: Jun 2017
Location: Colorado Springs

iTrader: (0)

Sell heroine on the dark web
Appreciate 0
      08-02-2017, 08:00 PM   #104
BayMoWe335
Colonel
1173
Rep
2,132
Posts

Drives: 2010 E92 335i 6MT
Join Date: Aug 2009
Location: US

iTrader: (0)

Quote:
Originally Posted by Joekerr View Post
Well, that's basically what I've come to conclude based on my research as well. I suppose at the end of the day I'm hesitant to pull the trigger and potentially lose. Yet I don't want the miserable returns of a safe investment like a GIC which pays next to nothing.

I guess basically I need to grow a pair and pull the trigger.

I'm seeing ranges on the ETF's from around 5% to 13% (depending on timing and other factors, and only looking at one year growth which isn't indicative all the time. Have to do more research before buying.

Are those percentages in line with what you are seeing as well? Any other investment vehicles I should be considering that don't require active day to day management?
Far more capital is lost waiting for a correction than the corrections themselves.

There are all kinds of ETFs with varying risk.
Appreciate 0
Post Reply

Bookmarks

Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off



All times are GMT -5. The time now is 04:37 AM.




5post
Powered by vBulletin® Version 3.8.11
Copyright ©2000 - 2024, vBulletin Solutions Inc.
1Addicts.com, BIMMERPOST.com, E90Post.com, F30Post.com, M3Post.com, ZPost.com, 5Post.com, 6Post.com, 7Post.com, XBimmers.com logo and trademark are properties of BIMMERPOST