Category Archives: Investing

How to Invest A Million Dollars

While a million dollars might not have the purchasing power that it once had, it is still a large sum of money.  If you watch professional sports on ESPN, follow entertainment gossip on TMZ, or read Forbes, you are sure to come across stories about the huge salaries that some high-profile people earn.  NFL quarterbacks earn over $25M per year.  Hollywood actors earn over $22M per movie.  The CEO’s of the Fortune 500 earn 600 times more than […]

Schwab 1000 Index Fund (SNXFX)

I recently received a letter from the third-party company that manages one of our 403B Plans.  It was the standard quarterly letter that provides updates on account performance, fees, and if there were any changes to the list of mutual funds available to select from.  Since we generally invest in index funds, I normally just do a quick review of the updates and move on. There was a change mentioned in this letter that grabbed my attention.  A […]

How the Mob Influenced My Asset Allocation

“Behind every great fortune there is a crime”.  – Honore de Balzac I have recently been doing a good amount of research on Peer-to-Peer Lending (P2P) and have written about it in a recent blog post.  Yes, Peer-to-Peer Lending (P2P) is legal in most states, but is it ethical?   While I was researching more about Peer-to-Peer Lending (P2P), I felt a strange nostalgia.  This type of investing caused me to reflect on the town I grew up […]

Early Retirement Portfolio & Plan

Thank you for reading part-4 in my series on asset allocation.  In my last post, I wrote about our current balanced-growth asset allocation.  That is the asset allocation that we plan on maintaining until we retire in 2028. In this post, I will be considering the future.  This post is about how I foresee our assets being allocated at the time of retirement.  I use the word foresee because it is what I am anticipating.  As I stated in my […]

Balanced-Growth Portfolio

Welcome to Part-3 of my series on asset allocation.  In my last post, I wrote about Adding Bonds To Reduce Volatility in the portfolio that my wife and I held for the past ten years.  In this post, I am going to write about our new asset allocation.  This is the allocation that we will hold until we reach early retirement (FIRE). As a Financial Independence (FI) blogger, I have always been a portfolio nerd.  The Lazy Portfolios made […]

Bonds to Reduce Volatility

During the first ten years of my investing career, my asset allocation was solely invested in stocks.  From 1997 until 2007, my portfolio returned 8.5%.  I wrote about that period in my first post of this series 100 Percent Invested in Stocks.  In this post, I will write about how adding bonds to my portfolio reduced volatility during the decade that followed. By the year 2007, my portfolio had five years of positive returns.  At that time, I was […]

100 Percent Invested in Stocks

. Do you think you have the risk tolerance to invest 100% of your portfolio in equities?  I had an asset allocation of 100% invested in equities for over 10 years.  At this stage in my life, However, I no longer have the need or desire to have that asset allocation.  That was how my portfolio was invested when I reached my first milestone of Saving $100,000 by age 30. This is the first of […]

Saving $100,000 by age 30

Saving my first one hundred thousand dollars was the hardest.  When I started on the road to financial independence (FI), I was only 20 years old.  I wanted financial independence and reaching my first $100K was the first goal that I set.  I was aware that it was a lofty goal, but I embraced the challenge.  I wanted to reach this milestone by age 30.  On my way to reaching this goal, here is what […]

Stocks: Buy Low, Sell High

When it comes to investing, the one saying that most investors have heard countless times is to buy low and sell high.  In other words, buy stocks when they are selling at the bottom of the market and sell them when they become overpriced.  In theory, this is great advice.  In practice, it is very hard for professionals to do and almost impossible for individual investors to do. Many investors try to base their approach […]

Financial Independence: A Universal Goal

While reaching early retirement is my goal, it might not be suitable for everyone.  On the other hand, the goal of reaching financial independence should be the focus of everyone during their working years.  Even though most careers seem to drag on forever, the amount of time that we have available to work and save money is truly finite.  Everyone should have the goal of saving enough money to cover at least 25 years of […]