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Stock Thread 2018

panthera said:
Get ready for a stock correction. Triple digit loss yesterday and another 362 down today. Beware if this volatility continues over the next few weeks there will be pain for a long time. I sold my equities months ago in anticipation of this. I'll hold cash until I think there is a bottom. Right now is NOT the time to put money into stocks.
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unless you are talking about SRTY ProShares UltraPro Short Russell 2000, up 3% today :teeth

(i am not invested in SRTY, nor have plans to invest)
 
i'm going to keep dollar cost averaging the same amt of my paycheck and asset allocation % into my 401(k) regardless of market volatility. i am ok with having less than 40% in U.S. equities.
 
I don't believe this will be a huge crash, but rather a large correction that may be over and may run for days or weeks. I expect the year to be volatile with a small amount of upward movement. 27500 Dow is what I am expecting at year end.

The bond market is going to be in turmoil for sure.
 
Smash Allen said:
right now is NOT the time to hold cash
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We shall see. As I've said before my strategy has always worked for me. I may be a little early on my exit. Cant time the market and all that but if equities take a hit, I will have preserved some capital. If not, I can always go back in.
AFM- you think 27500? Crazier things have happened. Like the run up of the last year.
 
Like I said before, the commodities broad basket will end up with the highest returns this year

The Dow will close the year somewhere between -10% and +5%.

Most bonds and REIT's will be negative
 
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DEO took a 2% dive yesterday for no good reason, so I bought more. Sure enough it was the *only* thing back up today. I'm fully invested, mostly non-US, hope the bottom does not fall out.
 
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The market is still over 4000 points above where it was just 6 months ago. I'm not going to jump out a window just yet.
 
401(k) company question

The company I work for uses Voya for our 401(k) which is administered through another local company. I did a comparison of fund prices direct from (for example) Vanguard, vs. what I pay to Voya. The differences are huge. For example, VTSAX direct from Vanguard has an ER of .04%. My 401k ER is .39%. I understand that both companies need to make money, but the difference is huge. All told, if I were able to have bought all my funds direct, my fees last year would have been $4,148.46; I actually paid $7,719.77. My gains last year were favourable to say the least, I look at the $3,571.37 difference as a drop in the bucket. Of course it still could be viewed as a loss; lost compounding and lost investment potential etc.

My question is this; do any of you have a 401(k) through Vanguard, Fidelity or Schwab, and have you compared expense ratios as I did? I am going to propose to my boss that we should shop these three companies and price-compare.
 
900ss said:
The company I work for uses Voya for our 401(k) which is administered through another local company. I did a comparison of fund prices direct from (for example) Vanguard, vs. what I pay to Voya. The differences are huge. For example, VTSAX direct from Vanguard has an ER of .04%. My 401k ER is .39%. I understand that both companies need to make money, but the difference is huge. All told, if I were able to have bought all my funds direct, my fees last year would have been $4,148.46; I actually paid $7,719.77. My gains last year were favourable to say the least, I look at the $3,571.37 difference as a drop in the bucket. Of course it still could be viewed as a loss; lost compounding and lost investment potential etc.

My question is this; do any of you have a 401(k) through Vanguard, Fidelity or Schwab, and have you compared expense ratios as I did? I am going to propose to my boss that we should shop these three companies and price-compare.
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I have fidelity through work and vanguard for roll over stuff. Both offer low fee ETFs.
 
900ss said:
.

My question is this; do any of you have a 401(k) through Vanguard, Fidelity or Schwab, and have you compared expense ratios as I did? I am going to propose to my boss that we should shop these three companies and price-compare.
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My wife's company uses Vanguard directly. They only allow her to invest in VTIVX which appears to have a fee of .15%. Looking at the fees through her 401k login shows the same fee as looking at the fees through Yahoo Finance.
 
Blankpage said:
You paid over $7K in fees? Wow
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"Wow" is just one word I uttered; the rest aren't appropriate for a family-friendly website! The sad thing is nobody at my company (63 employees) has a clue about this. As stated though, my account's performance was extremely positive due to the current market climate.
 
I don't have any funds. Just doing my own self directed thing that's why the fee number appeared huge when I first read it.
But yeah on a million it isn't big at all.
 
900ss said:
The company I work for uses Voya for our 401(k) which is administered through another local company. I did a comparison of fund prices direct from (for example) Vanguard, vs. what I pay to Voya. The differences are huge. For example, VTSAX direct from Vanguard has an ER of .04%. My 401k ER is .39%. I understand that both companies need to make money, but the difference is huge. All told, if I were able to have bought all my funds direct, my fees last year would have been $4,148.46; I actually paid $7,719.77. My gains last year were favourable to say the least, I look at the $3,571.37 difference as a drop in the bucket. Of course it still could be viewed as a loss; lost compounding and lost investment potential etc.

My question is this; do any of you have a 401(k) through Vanguard, Fidelity or Schwab, and have you compared expense ratios as I did? I am going to propose to my boss that we should shop these three companies and price-compare.
Click to expand...

My employer uses Fidelity. They deduct a quarterly "Account Recordkeeping Fee", but it's only like $20. And while it's possible they've added hidden "revenue sharing fees" to a 3rd party mutual fund, I doubt it because I haven't seen them mentioned. Instead, they make most of their profit off the fact that most of the funds offered in my plan are Fidelity, not 3rd party.
 
My wife and I visited a Fidelity office a few weeks back to discuss her 401k she has there. I asked the rep about Fidelity vs. Voya. His exact reply when I mentioned Voya was "You're getting hosed". :rolleyes This got me thinking about the fees I pay with Voya.
 
Reli said:
No funds or ETFs? Just individual stocks?
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Zero funds. Not that I'm opposed to a proven S&P index fund.
I sold all my funds in early 08 when the market ws starting to tank. Got tired fund fees.

I've done okay the past five years with most of my holdings being.
AAPL
SIRI
MSFT
V
C
TWX
SBUX

Losers were
CMG
Some small cap petro stock.
And a currency exchange stock
 
900ss said:
"Wow" is just one word I uttered; the rest aren't appropriate for a family-friendly website! The sad thing is nobody at my company (63 employees) has a clue about this. As stated though, my account's performance was extremely positive due to the current market climate.
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Maybe time someone started following where the fees lead?
 
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