This book grew out of a series of letters to my daughter concerning various things-mostly about money and investing-she was not yet quite ready to hear. if you wish I can help in order to get translated or released also the italian version of the book, just let me know. How did you originally find your way here? I just wanted to thank you for your blog and book. Questions like yours fit best here: https://jlcollinsnh.com/ask-jlcollinsnh/. Moonman T1 Transparent Acrylic Grey Metal Fountain Pen Piston F Nib Writing #sd, Wild Strawberry Pattern New Old Stock Details about Vintage Tuttle Press Beverage Napkins, 1.5 sq inch Piece of the Berlin Wall w/Acrylic Stand & COA 1 One. Here I allocated 90% in VTSAX and 10% in VBTLX. I didnt realize you had answered this question before. Thanks for your interest, but I do not accept paid postings. ($24K)! Thanks for keeping it simple and safe for people like our Fire fighters. I am 40, my husband is 52, and we have a 4 year old child. So, basically, in my world, it's not a matter of age, it's a matter of cash flow. Ive only been with the organization about 5 years so the account only has about $20k in it now. Our authors can publish views that we may or may not agree with, but they show their work, distinguish facts from opinions, and make sure their analysis is clear and in no way misleading or deceptive. A Dow Jones index could suffice as it involves no tobacco or alcohol companies? Benz: One area where you run counter to the conventional wisdom is that you're not a big fan of dollar-cost averaging. All the best to you and your family. Collins Complete Woodworker's Manual - Albert Jackson 1996 This new and revised edition is the most comprehensive and illustrated book on woodworking. After all, those of us drawn to this path are the odd ones out. We have new alternatives that could help you do just that. The email goes on to explain that the new ETFs are Vanguard ESG U.S. Stock ETF (ESGV) and Vanguard ESG International Stock ETF (VSGX). I am curious to hear your thoughts. Best wishes, We are wanting to invest the money Once I do that can I then invest the total in VTSAX? I've owned houses most of my adult life. Unfortunately, if you dont have a lot of time and money it becomes dicey and stressful. Thanks from here in New Zealand. The book has already been published in China, but I will forard your contact info to my agent. He was resigned to a future of scarcity before we had this conversation. Where do you find your narrators? Are they still available? So, mistake number one. It is staying the same, yet the account grows with the stock market. Just a quick Thank You. I do try to look at the spam folder so the good ones dont get away. As you know, I like what I have read of your stuff. L-funds arent for everyone, but when trying to convince colleagues to move themselves out of our default TSP allocation of 100% G Fund (U.S. Treasury securities), they sure are a great starting place. You can post it right here, unless the financial aspect relates to another post Ive written? "Stocks--Part XV: Target Retirement Funds, the Simplest Path to Wealth of All," by JL Collins, jlcollinsnh.com, Dec. 18, 2012. Australia, Vanguard will not open a new account for us even though we My thinking about it is this. Im beyond curious what you make of todays volatility compared to when you wrote your book. You might read thru the Stock Series and try the Search function here on the blog to pick up some more. So, you're adding a little bit of extra cost, and you're adding something that, at this point in our history, I don't see a need for. Hi Jim, I am sure I am going to go with vanguard. I love you Brother! I don't see real estate as being a passive investment. As you say in the book, they are expensive! I'd say our biggest battle. I live in Portsmouth, NH and would be very interested in learning about any ongoing events. Your approach makes so much sense to someone who has lost some money in the process of learning. Great to hear it has reinforced your thinking. I have to say this is the first time anyone has thanked me for making their girlfriend hot. I was curious about your comment on page 10, about your wife giving up her career to be a stay at home home. glad you are here and I appreciate you letting me know! , BTW, am I correct in thinking you are African American? Shilpan's Seven Habits to Live More with Less, Stocks -- Part XIX: How to think about money, Stocks Part XVIII: Investing in a raging bull, Dining with the Ghosts of Sarah Bernhardt and Alfons Mucha. Thank you for your time and consideration. We are very much interested in paid postings. "But Dad," she once said, "I know money is important. How does the fact that BH operates as a conglomerate of diverse companies play into your thinking about this? Please give me 5 mins and let me tell you my story, and where I am in life. Just invest the surplus in a simple way. There's a certain percentage, and I think it's like 20% or 25% that will outperform it on any given year. Here is a review I wrote recently: I will be calling Canada home soon which is why Ive opted to trade on the TSE. Your approach makes ingesting information seem much easier. Adult life used to be so terrifying because I had just presumed that one had to work continuously until they were 70 in order to have a decent life. I look forward to hearing back from you via email. Like you said in your book I should've been eating the rice with ketchup instead of the sushi dinners but it seemed so normal to go out for every meal! It worked on me. This is the link I was look at https://investor.vanguard.com/mutual-funds/profile/VTSAX. Ptak: To stick with target-date funds for a minute, if we could, it sounds like maybe you feel like they overdo it a little bit--not to put words in your mouth--just in terms of the number or type of exposures that are delivered through the fund-of-funds structure. As Im just beginning to reallocate my funds to invest in Vanguard ETFs, I do have a question on whether it would be better to invest in VTI (Total Stock Market) or VOO (S&P Index)? For a refresher: https://jlcollinsnh.com/2017/04/14/sell-sell-sell-sell/. So your $500 will immediately buy $500 worth of shares each time you invest it. And I still have that addiction. I am currently a college student and began investing a couple of years ago. Man, oh man. all the way from South Africa, Jim! I realise your a busy man so I will keep this short , I live in Scotland (U.K.) and my current investment holdings are:-, Vanguard: target retirement fund I had to chuckle a bit at your case study. Thank you very much and I hope to hear from you soon! Does this mean that I can only invest in them with a minimum of $10K ? So thank you for all your insights and advice. Loved the book btw. Had I realized this when I was younger, I might well have done the same. This was really meant to be a private email to you to in a way introduce myself and put me under my own case study towards FI, I want to document this entire process and tell the story later. I just randomly came across your You Tube recording with Google, A Simple Path.. I have to look at that book again one of these days. . As a federal employee, I very much appreciated that the book included a section on the TSP system. It allowed me to see a financial path to enjoying my life more on my terms and values, so if you ever wonder if you are helping people with this siterest assured that you are. Would it make sense to roll both of them into a traditional IRA? I was just discussing VBAIX in the comments on my most recent post: These products and services are usually sold through license agreements or subscriptions. Why have you not chosen to do that? I am not sure, if I make some mistake in this line of thought. You''ll never find a wiser advisor with a bigger heart." Your blog helps people see in simple terms that they can have more choices and control over their lives. Develop and improve features of our offerings. Can you talk about that? I'm pretty sure. Read the Coffee House Investor and just finished The Bogleheads guide to Investing (Lindauer, Larimore & LeBouf). Im putting together a project for other young people based on books recommended by all the successful people around me. Collins: Well, I think when you look at the research, index funds were not warmly received by the investment community, primarily because the fees are so low. I feel like I dont have time to be conservative. So, I don't know the answer. First, Id go here: Travels in South America: It was the best of times. Yellow Fever, closing up shop for the summer and heading to Peru y Bolivia. Many tag me as being anti-homeownership. I'm just going to continue to put myself on blast here to initiate my own public case study on myself. I promise not to spam you, and I respect your answer whatever you decide. Any other advice for those in my age range? And particularly seeing as we're probably most likely to build a house, and that's a 12-month process, so am I about to commit to a very expensive indulgence and not even have access to it for the next 12 months only to find when it's time to move in its value has been cut in half, like in '07, '08? But I didn't hold on to them very long. Have you spent any time on our sub? Im new to the world of FI and have been binging on podcasts and blogs for the last few months. . Language: English I know youre all about simplicity, I am too. He has a nice 401k and a very small IRA in my name. I work in the investment industry and love the investing world, too. Do you have any taxable funds recommendations? If you are we would gladly send you the more specific information by January 24, 2019. When we got off the phone she said under her breath, Thanks JL. Since you are retired, you can roll your 401K into an IRA at Vanguard. This advisor put us into American Funds. What would you suggest I could read to be more familiar with investing with Vanguard or is opening up an account with them the best way of to learn? What is the best point of contact for you? My main question is i will be a non-resident alien (NRA) at the time i will be withdrawing it. Fund your 403(b) up to the match and then focus on getting rid of the debt. But I was very careful to keep an eye on what the stock market was doing. The minimum for VTSAX is now $3,000, so Id buy that directly from Vanguard. Hi Jim, Please let me know if this can be arranged. GBP or ZAR in 2008. Im a huge fan now. book on Audible and have listened to it over a dozen times now. He will most likely retire in 6ish years. And if you bought a house 20 years ago in San Francisco, you have a great story about how you made a ton of money. Also, if you think it deserves it, please put a 5-star review of the book on Amazon. And, of course, the house you get for that set price of money is dramatically different depending on where it's located. Ive subscribed for your Chautaugua updates. I have been under so much stress on what funds to invest.now i think i will settle with these. My take can be found in the third part of this post from last year: We are a Taiwan publisher, and would like to inquire on the status of the book: The Simple Path to Wealth: Your road map to financial independence and a rich, free life Paperback June 18, 2016 by J L Collins If you're going to panic and sell, you don't want to follow my advice, you don't want to be in the market at all. I have expectations of using my tax-deferred IRA to support living and to make charitable giving in retirement, fulfilling the RMD annually. COLLINS. I also want to thank you for the warm and humane way you do that, which makes reading your blog a recreational and uplifting experience. Thank you for your incredible book and blog. Im not sure whether to be flattered or terrified. JL's latest book is How I Lost Money in Real Estate Before it Was Fashionable. The stock series kind of grew out of that. I wonder whether youve seen that Vanguard now offers the brand new option to invest directly with them in Germany, and what you think of the funds available there. But for anybody who has ever had a job where you're managing people, you know that managing people is not passive. Money means very little in its own right, it just gives choices in life. So, I'd be just selecting one or two. We also continue to see markets move upward, as TINA (there is no alternative) to the stock market (not viable, at least). I am a college professor and I want to give it to all my advisees. This has confused me. I will be returning to live with my father after loose ends are tidied up so no huge outgoings accommodation wise. That makes them unique, and they are also very old. I couldnt put it down and finished it in 2 days. Publisher: CreateSpace Independent Publishing Platform; 1 edition (June 18, 2016) I was 13. Yes, I know the answer. 80%: VTSAX If I were to add international, this would be the fund Id chose and with it you no longer need VTSAX/VTI. And from an investor's point of view, the world is a far better place for virtue of what Jack Bogle has done. Deals are signed to publish it in China, Taiwan, Vietnam, Thailand, Russia, Poland, Spain, Brazil and in Arabic. For this reason, my thinking is we should always be investing for the long-term. I will be looking forward to your response in this regard. One solution would be to pick individual stocks that fit your criteria, but you would really have to keep track of them, both from an ethical and performance standpoint, also unless you had a large sum to invest it would be hard to achieve diversity. So, my main thought was watching this is theres going to be a lot of tears for a lot of people. Now I am off to read more of your musings.. Other than most of it is informative Only MOST of it??!! Let me know of what time works best for you here. I've had a lot of fun hanging out with you guys and the time flew by. Stocks -- Part VII: Can everyone really retire a millionaire? We both work for the same employer. Do you have a discount for bulk purchases of books? Ive the following question the Fed has now been increasing the interest rates (I think 9 times since 2015) and from what I understand, the goal is to slow down the economy (and hence the stock market). My kids asked me to run a series of seminars on my philosophies. Republic Wireless and my $19 per month phone plan. Lo can't save you. I graduated from college in 1999, and this year is a milestone year for me. also What is your take on goldmoney.com? Im afraid with my travel and other obligations, this means months from now. I want to grow the pools, then maximize them for tax-efficiency, charitable giving, and to benefit my heirs. I went to the automatic investments page on Vanguard, and saw that it does allow me to setup a monthly investment of $500 into VTSAX. Continuing to invest from your earned income while building your wealth. Didnt know you was a blogger.Feel free to correct my grammar.Might as well put that degree to some use. Ive got 88% of that 401ks $ in that fund, the remainder in a BlackRock international fund that seeks investment to match the performance of the MSCI ACWI ex US Index. Hamster. You'll walk away with a practical toolkit to achieving financial freedom with minimal effort. Corpl. Many train and train and train to save lives and property helping others stay in the black, however they rarely if ever get the opportunity to learn about retirement. So, as Jack Bogle once said, performance comes and goes, but fees are forever. Of course, depending on how you define pornography, there could well be publicly traded companies that engage in it as part of their businesses. If there are any questions, please feel free to ask us. . Of course, the corollary of that, if I'm right, unless it's some huge gain or it's not going to move the needle very much otherwise. Chautauqua 2014 preview, closing up for travel and other random cool things that caught my eye of late. I just found your blog. This seems to fall in line with your advise on investing. Hello- I just started your book The Simple Path. Now, for my second question, which has to do more with the psychology of investing. You made my day! That is for you to decide, once you have learned enough to make an informed decision. Im putting together a list of really influential books. By adjusting your allocation once you are living on the portfolio and have added bonds. This book does an excellent job at simplifying concepts of personal finance. I have changed my 401k contributions to VTSAX and I plan to continue ignoring it while maintaining steady contributions for the long haul. Thanks for showering us with a simple and unique way of investing. You are never too old to adjust your investment holdings properly, and certainly not at the tender age of 59. Pretty much all mention your stock series and I cant get enough. As for the US market, it was already well established by the time indexing arrived in 1975. Currently 26 years old and have 100% of my 401k holdings in FID 500. He said, You might want to put this on a blog and share it with your family and friends. This was in 2011. Now hes looking forward to grabbing ahold a future of abundant freedom. Thanks for the invite to Morocco. JL blogs about financial and other matters at JLCollinsnh.com. That makes sense for people with long time horizons. Health insurance is the biggest question she has to the early retirement scheme Ive got her on board with everything else. She sees how excited I get, and loves that I am really planning for the first time in my life. I just had to let you know once again you have changed my life forever! And you say, I don't want to take the risk of putting this $120,000 in all at once because tomorrow might be the day the market crashes 40%. If so, is it a good idea to wait buying stocks till market drops such as these occur? I do work for an Italian entrepreneur, he his a big fan, and would like to make an interview (with a fee of course) to show his audience something about wise investiment. I have a weekly podcast and would love to have you as a guest on it. At least Ill then have my 1200. When you inherit a some of money like $100,000, how should one invest it? or even to respond to the other question: I dont feel the need to hold international stocks or, by extension, bonds for the reasons I describe here: https://jlcollinsnh.com/2012/09/26/stocks-part-xi-international-funds-2/. Looking to do a 60 equity to 30 bond to 10 REIT mix. I first started investing in 1975, actually, and I had no idea what I was doing. Id love to get your input. I was buying what was most important to me. The course takes kids through budgeting, saving, credit and investing. ): JLCollinsnh - The Simple Path to Wealth Develop Your Skills and Talents by Shawn Jenkins By Shawn Jenkins and Jonathan Mendonsa Shawn Have you ever considered your career to be like a brokerage account for financial freedom? Im am a big fan of you from Israel. On rent vs buy, I would divide up life into three phases: If you are single or just married/no kids, rent. (Disclaimer: This recording is for informational purposes only and should not be considered investment advice. There is also talk on the blog and the book about pros and cons (mainly pros) of ignoring DCA (Dollar Cost Averaging). And the right attitudes that you need to have to do that. A huge thanks for any feedback in advance. If you find anything useful here, feel free to share it with your classes. Which is better IRA rollover or NUA and pay the taxes up front. I hope I can accomplish some of what you have. Listen Now: Listen and subscribe to Morningstar's The Long View from your mobile device: Apple Podcasts | Spotify | Google Play | Stitcher. Or please let me know which agent we need to contact? I guess this topic would deserve an in depth exploration. How to investment in the VTSAX (USA Market), if its not available in Australia. I immediately started my position in Vtsax. I would greatly appreciate your time and opinion, Mr. Collins. But, as Andy Rooney once said, Never expect too much from your company. I devoured it. The stock market is just a way for you to lose money. And I imagine that's going to be the reaction a lot of these people who go into these meme stocks, or who just go into the stock market in general without taking the time to educate themselves, and the market will leave you bloody if you do that, and most people are going to say, Wow, that's a terrible thing. On most of the money that we put into American Funds, we paid the princely sales charges. More and more I see my work plagiarized and stolen. I would lose the F-You money. Whoa Whoa Whoa. If so, chose carefully and buy only term-life and then only for as long as you need it. Mr.Collins, Id really appreciate it if youd let me include you in this project. The financial institutions encourage it. Ive met a number of AAs in the FI community, but somehow that point coming from me would be less effective. The one bright spot in all of this is that Ive collected 20 years of the full amount of employer matching funds. So, I look at the 4% rule and I say it's inherently conservative. Reading your book is an eye-opener! I have a question on the actual return. for your very kind words. Actually, as we talked about earlier, Mr. Bogle brought out his first index fund the same year I started investing, but that didn't benefit me for the reasons we discussed soon enough. Your voice Any other gotcha state taxes or fees to be aware of there? They decided to get serious about their savings goals and committed to building a portfolio of at least $1 million by February 2017, 1,500 days later, in order to retire at age 43. Because if you're putting money in on a regular basis, as my daughter is, as an example, then when the market plunges, well, that's good for her, because she's getting more shares for those same dollars. Would buying these 3 bonds, long and short-term, a good proxy for a total bond index? I even taught a career development course on how to interview, write a resume and dress for work. Your daughter is so lucky to have you and your wife. A great example of just what you're talking about. but no one seems to really know exactly what they are talking about so I am not confident enough to take the plunge and buy the shares. Five percent, 6%, even 7% withdrawal rates were successful on many of those occasions. Sounds like they are offering a 20% discount if you pay cash: And again, they're a fund of funds, so some of those funds have higher expense ratios, higher costs than simply a basic broad-based index fund. You state that the Roth is a great pool of money to give to your heirs. My only debt is my mortgage (2.5%). You are doing good in the world. Description "In the dark, bewildering, trap-infested jungle of misinformation and opaque riddles that is the world of investment, JL Collins is the fatherly wizard on the side of the path, offering a simple map, warm words of encouragement and the tools to forge your way through with confidence. Monday of this week, I started researching, I knew we had made huge mistakes with letting our money sit in bonds, I met with 2 financial planners and did hours of research on what they had told me. I also just consolidated all my previous employer accounts into an IRA with Vanguard. You may have written your text differently given changes that have come subsequently. If this is something you do, please let me know. I was impressed by your website and am confident that The Simple Path to Wealth aligns with Plastiqs value proposition. How I lost money in real estate before it was fashionable, Part III: The Battle is Joined. As they say, when the student is ready, the teacher appears, One article I came across today reinforces exactly what you said: Your guesting in ChooseFI is one of the most enlightening talks in investing. Collins: I think when people say that what they overlook is the idea that it's not just the thing you're buying, but it's where you're buying it. I'm hoping to double those payments if possible. Good to know at least one person is interested! My sense is that most hard core stuff is likely done by private businesses. But I frequently think, wow, if I had known that and embraced it from the get-go, how much easier my path would have been and how much further along I would have been on it at every stage. There are several posts on other FI blogs dealing with this issue that may help. One type are regular funds and another type that track the S&P but also try to cancel the dollar to shekel rates effect (using forward contracts). The discussion of stock returns over time should address the issue of real versus nominal dollars. Or is it more likely to go down? Well, the market goes up three out of four years. Thank you, You might consider posting your comment here: https://jlcollinsnh.com/2015/06/02/stocks-part-viii-the-401k-403b-tsp-ira-roth-buckets/, Mr. Collins, Fully max out these before any 529 plans. As I point out in this post: https://jlcollinsnh.com/2016/08/16/what-the-naysayers-are-missing/ many react with hostility instead of interest. The only thing is, since we cant meet the 10k minimum for Admiral, do you think its ok for us to buy the VTSM ETF on an app like Robinhood? I have forwarded your contact information to my agent. Here, we have a category of investors that are clearly making mistakes and speculating in these junky stocks. Im a big fan of Shakespeare, so maybe they could both be taught. Hi JL, just read and loved your book and stock series. I was eight. Glad you found your way here. My situation is unique in that Im a South African living in Vietnam and as such I trade on a Singaporean platform. From 1989 to 1995 my wife and I were taking unpaid sabbaticals. Hey there Jim, Im planning to move to NH for the favorable state tax features, a quieter life, and the cooler climate. I am just now starting to make payments on my student loans ($45.5K to go!) Benz: You alluded to indexing earlier. Im assuming that once we get it large enough, we can convert to admiral shares? However, we can tell you the site does not accept sponsored posts. From one parent to another. Hi Jim, a bit off topic but do you know where Mike from Lackingambition.com went? Im pretty new on this subject, however I have decided to invest in the VTSAX. Not your age. He is a prolific world traveler, having visited more than 30 countries on five continents via motorcycle, car, train, plane, boatand even elephant. Had the market turned around and plunged again, then I would have adjusted that withdrawal rate in a heartbeat. Required fields are marked *. What were the things that made you want to communicate what you had learned? I am trying to figure out the best way to pay this off. great to see you here and thanks for subscribing! As it happens, I am recording the audio book version this week. Thanks, Lots of time left for disaster to strike. Please email me if youre interested in hearing about it. I was wondering if you were aware that a YouTuber has posted the entire Simple Path To Wealth audio book on their page here: deleted. And so, the shortcoming in this case is someone who lacks the discipline and maybe the knowledge to save and invest, and so, we'll put him in this underperforming asset just because they can't get out of it easily. PERSONAL EXPESES: Food, DEBT payments and not much else. I came across your site and I think it can be a great fit for my Were Mergen Digitals LLC, a Texas-based Digital Marketing Company. By way of introduction, I am a Finance & Content Intern at Finllect, a Dubai-based fin-tech start-up. COVID-19: The unvarnished truth from Doc G. Mr. Bear, Podcasts, a good book and why I should be in 100% stocks. Of us drawn to this Path are the odd ones out said, & quot ; know... Search function here on the TSP system started your book my philosophies that are clearly making mistakes and in! 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