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Go Back   FZ1OA Message Board > FZ1 & Fazer Owners Association > "Off Topic" Discussion

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Old 12-28-2015, 06:43 PM   #41
Duken4evr
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The utter collapse of the energy sector crushed a lot of hedge funds.

I sold some PFF and added DMO in November. It pays $2.52 annual dividends in monthly increments (10.5% yearly) It went ex div today on their large cap gain year end payment ($.65 per share) and it is still at $23.57, which is higher than my November entry point. DMO is a closed end fund and it is based on leveraged residential mortgage securities. One could compellingly argue that this is the sort of thinking that tanked the world economy in 2008, but I am a dividend slut

That said, I did not get to crazy with DMO, it is a small position. A low GTC order is how I snagged DMO. As usual, the best work is accomplished when I look at a chart, pick an entry point and walk away.
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Old 12-28-2015, 07:21 PM   #42
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Amazon doubled this year, they dont make money. Everyone sees the real estate bubble is boiling again but still throws eggs in the water. Safe bet regionally.

I am a dividend whore too.
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Old 12-28-2015, 09:18 PM   #43
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So, it's been a rather poor year in the stock market. Oh, well, not the first time.

I just looked at our accts and we are up 4% for the year. Kinda sucks, but as mentioned in a few other posts, that's not as bad as some of the funds and the indexes in general.

My difficulty with investing is that I have reached that point where I have to consider the risk a lot more. I retired and am not adding $$ to the pot anymore. I have always run a pretty risky investment program. Now, I feel I need to be a bit more careful what I invest in. I'm being drawn to solid, dividend payers, but I still feel the pull of the high risk stuff like Amazon, GoPro, etc.

Now, I see some gurus saying that the market will likely be flat in 2016. I think I'll just let what I currently have ride and sit back and watch this next year.

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Old 12-29-2015, 04:25 AM   #44
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I'm hoping... Hoping, that we can live off a 4-5% draw in retirement, and not touch the principle. Some years we will see our balance increase, others we will have to draw off those gains, but my wish is to not touch the beginning principle.
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Old 12-29-2015, 06:10 AM   #45
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The single largest expense in retirement is healthcare. If you are in good shape on not on expensive meds, you stand a good chance.
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Old 12-29-2015, 07:50 AM   #46
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Quote:
Originally Posted by jpgrfan View Post
So, it's been a rather poor year in the stock market. Oh, well, not the first time.

I just looked at our accts and we are up 4% for the year. Kinda sucks, but as mentioned in a few other posts, that's not as bad as some of the funds and the indexes in general.

My difficulty with investing is that I have reached that point where I have to consider the risk a lot more. I retired and am not adding $$ to the pot anymore. I have always run a pretty risky investment program. Now, I feel I need to be a bit more careful what I invest in. I'm being drawn to solid, dividend payers, but I still feel the pull of the high risk stuff like Amazon, GoPro, etc.

Now, I see some gurus saying that the market will likely be flat in 2016. I think I'll just let what I currently have ride and sit back and watch this next year.

4% is an excellent return for this year. You beat the pants off those fancy and expensive hedge funds. I am at -.2% YTD for 2015.

Well done.
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Old 12-29-2015, 08:14 AM   #47
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Quote:
Originally Posted by jpgrfan View Post
So, it's been a rather poor year in the stock market. Oh, well, not the first time.

I just looked at our accts and we are up 4% for the year. Kinda sucks, but as mentioned in a few other posts, that's not as bad as some of the funds and the indexes in general.

My difficulty with investing is that I have reached that point where I have to consider the risk a lot more. I retired and am not adding $$ to the pot anymore. I have always run a pretty risky investment program. Now, I feel I need to be a bit more careful what I invest in. I'm being drawn to solid, dividend payers, but I still feel the pull of the high risk stuff like Amazon, GoPro, etc.

Now, I see some gurus saying that the market will likely be flat in 2016. I think I'll just let what I currently have ride and sit back and watch this next year.

Odds favor equities the longer you are in. Here are PREIX average annual returns - bear in mind the ten year return includes the 2008 debacle and the "since inception" return includes the 2001/2 dot com bubble as well as 2008:

3 Years 15.78%
5 Years 14.10%
10 Years 7.22%
Since Inception 9.30%

(Inception Date March 30, 1990)

http://www3.troweprice.com/fb2/fbkwe...o?ticker=PREIX

The "death" of buying and holding index funds (a popular notion in 2009, when the ten year returns were zero) was prematurely announced.
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Old 12-29-2015, 08:20 AM   #48
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Originally Posted by ER^NPILOT View Post
I'm hoping... Hoping, that we can live off a 4-5% draw in retirement, and not touch the principle. Some years we will see our balance increase, others we will have to draw off those gains, but my wish is to not touch the beginning principle.
My draw percentage was 4.75% per annum when I retired in 2011 and my account has increased by 2% after the withdrawals.

Owning some real estate (outright, and through a fund) helps calm my fear of inflation.
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Old 12-29-2015, 06:11 PM   #49
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We max our HSA each year, and invest through it, to help curb future healthcare expenses. At our current rate, I could retire with $200k+ in my HSA, for health expenses.
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Old 12-29-2015, 06:19 PM   #50
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Hey Tom,

Do you own a rental property? I will probably inherit my mom's paid for house someday and may turn it into a rental, but it is really too nice a house for that in my mind. Better to own (outright) two slightly dumpy houses in the hood and rent those. Then again, I do not want to give all that money to the realtors incurring the expense of selling the house. I also do not want to deal with idiot tenants.

Will probably sell the house and stick the proceeds in my favorite dividend paying preferred stock ETF which will generate around 23K a year in dividends, before taxes, paid monthly. A mouse click and a transaction fee of $6.95 to buy the ETF vs. 24K and a tedious realtor with a shiny car and big hair to sell the house. I like the transactional ease and liquidity aspect of stocks, I will not lie

It feels weird to even think about these things, but losing my older brother this year pulled my head out of the sand. We have to plan, all of us...
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Old 12-29-2015, 06:26 PM   #51
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I couldn't bear the thought of renters, destroying my deceased mothers home. I'd sell it, and use the proceeds.
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Old 12-29-2015, 06:31 PM   #52
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I couldn't bear the thought of renters, destroying my deceased mothers home. I'd sell it, and use the proceeds.
What you posted is exactly what happened to my wife and I. The only people making money as landlords are slumlords. We sold (after renovating) and moved on.
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Old 12-29-2015, 06:32 PM   #53
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I agree 100%. Mom moved to CO in 2006 to be near her only grandkids and near me to help her in her old age. The house is not that sentimental to me, but it is her home that she takes a lot of pride in. Dear old mom, she is 86 this year. It is hard to watch my mother age. After 80 things really do go downhill, but she is still my Mom

At age 53, I need to get with it man! I only have about 20 some odd good years left. Understanding this whole "mid life crisis" thing all too well lately
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Old 12-29-2015, 06:41 PM   #54
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Quote:
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Hey Tom,

Do you own a rental property? I will probably inherit my mom's paid for house someday and may turn it into a rental, but it is really too nice a house for that in my mind. Better to own (outright) two slightly dumpy houses in the hood and rent those.
I do not own rental property, at least at the moment. Two residences and some TRREX.

Renting can be profitable but you need to know a lot about local laws on tenant rights. They vary dramatically between jurisdictions.
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Last edited by Tom Renda; 01-01-2016 at 07:33 PM.
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Old 12-31-2015, 10:39 AM   #55
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Looks like a year of nothing. And why is the fed raising the rates?

"The big story today as investors wrap up the year is that after all that's said and done, it's a flat year for the S&P 500," Sarhan said.

http://www.reuters.com/article/us-us...0UE0TS20151231
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Old 12-31-2015, 10:59 AM   #56
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Well, after some 15, 20, 30% years, it all averages out!
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Old 12-31-2015, 12:06 PM   #57
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Well, after some 15, 20, 30% years, it all averages out!
No - it is only fair that the 20%, 30% years continue. How dare the market go down. Not right, I say.
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Old 01-03-2016, 06:27 PM   #58
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Just looked. -1%.

Normally don't bother checking, it goes up, it goes down.
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Old 01-03-2016, 07:07 PM   #59
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But if you include dividends, it is +1.11 % (PREIX) for 2015
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Old 01-03-2016, 07:31 PM   #60
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Tom,

Not sure if you're replying to me. That was my personal return this year (-1%).

Modern Portfolio Theory - invest, diversify, go golf. Whatever happens will happen.
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