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Re: Early Retirement with 401(k)'s and IRA's

SaraSV wrote:If we truly retire at 49 then wouldn't we be taking big hits on the principal of our taxable accounts as we wait for 59.5?


Money is fungible, so if you need to fund your spending by withdrawing from your portfolio from age 49 to 59.5, what difference does it make which account the money comes from?
by John3754
Mon Apr 27, 2015 7:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Early Retirement with 401(k)'s and IRA's
Replies: 8
Views: 614

Re: Who's holding cash?

If you stay in cash and the market continues to go up then what do you do?
by John3754
Mon Apr 27, 2015 10:46 am
 
Forum: Investing - Theory, News & General
Topic: Who's holding cash?
Replies: 44
Views: 2644

Re: Help - Am I being stupid?

What is your employment situation like? If its stable then I'd say yes, you are being stupid.
by John3754
Sun Apr 26, 2015 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help - Am I being stupid?
Replies: 16
Views: 1369

Re: Loaning $$

Gbean wrote:Any ideas?


Yes, don't do it.
by John3754
Fri Apr 24, 2015 7:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Loaning $$ [to a friend]
Replies: 22
Views: 1961

Re: Concentrated Bet ... not bad after all ?

Don't confuse outcome with strategy.
by John3754
Fri Apr 24, 2015 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Concentrated Bet ... not bad after all ?
Replies: 6
Views: 555

Re: Looking for emerging markets fund

I'm in Target 2045, which includes the total international, so I guess I do have emerging markets? I only have around 5400 there. My TIAA CREF employer accounts offer the International Equity active fund that lists Asia Emerging as 10.22% and Latin America as 0.32%. So overall my emerging markets i...
by John3754
Thu Apr 23, 2015 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for emerging markets fund
Replies: 14
Views: 740

Re: Great little interview with John Bogle

http://www.rickferri.com/blog/investmen ... -long-run/

Rick Ferri on why foreign stocks should be a part of your portfolio.
by John3754
Tue Apr 21, 2015 6:29 am
 
Forum: Investing - Theory, News & General
Topic: Great little interview with John Bogle
Replies: 23
Views: 2194

Re: Has anyone changed their asset allocation

Aren't you the person who was just arguing that we shouldn't even be looking at our investments for years at a time? No, I was just putting out what Jack said about not peeking. I wouldn't call it arguing. And I was talking about the market going up. If you are invested in the 500 Index, you know y...
by John3754
Mon Apr 20, 2015 6:22 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone changed their asset allocation
Replies: 58
Views: 3406

Re: Has anyone changed their asset allocation

Aren't you the person who was just arguing that we shouldn't even be looking at our investments for years at a time?
by John3754
Mon Apr 20, 2015 5:28 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone changed their asset allocation
Replies: 58
Views: 3406

Re: new i-bond rate?

JimInIllinois wrote:The real mystery is the fixed rate on i-bonds sold starting May 1.


If it's anything other than 0% I'll be surprised.
by John3754
Sun Apr 19, 2015 10:31 pm
 
Forum: Investing - Theory, News & General
Topic: new i-bond rate?
Replies: 18
Views: 2890

Re: John Bogle's Don't Peek Challenge

Benign neglect with the Total Stock Market Index Fund isn`t a bad idea at all. Where will the Dow and S&P 500 be in twenty years? Most likely a lot higher. John Bogle`s idea of no looking sure takes care of the emotional part of investing and we know what emotion does to your returns. I underst...
by John3754
Sat Apr 18, 2015 9:01 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 146
Views: 12391

Re: John Bogle's Don't Peek Challenge

You're taking his advice way too literally Not after viewing the video. I previously thought he was making the comment in a off-hand manner. This don't peek video came off as a serious "rule" which he repeated over and over. If you are saying don't even open the envelope until you retire ...
by John3754
Fri Apr 17, 2015 6:32 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 146
Views: 12391

Re: Stocks are on sale, should I buy?

If you call this "taking a hit", what are you going to say when something real occurs, like a 30+% decline?

To me this is just normal background noise.
by John3754
Fri Apr 17, 2015 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stocks are on sale, should I buy?
Replies: 54
Views: 5850

Re: Combing Vanguard funds to purchase individual stocks

Use a money market as a sweep account, not an index fund.
by John3754
Tue Apr 14, 2015 10:51 pm
 
Forum: Investing - Theory, News & General
Topic: Combing Vanguard funds to purchase individual stocks
Replies: 18
Views: 980

Re: Wellesley for Emergency Fund

I'd be concerned about tax efficiency. That said, for $9k, it probably doesn't really matter much what you do with it.
by John3754
Tue Apr 14, 2015 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wellesley for Emergency Fund
Replies: 6
Views: 956

Re: Should I be doing something differently?

CDs are a good option for safe money.
by John3754
Sun Apr 12, 2015 8:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I be doing something differently?
Replies: 14
Views: 1497

Re: gold bullion

Gleops2 wrote: There is a 28% federal tax on the difference between what you "paid" ( or inherited them at-that will establish basis) if you make a profit.


Incorrect, it's taxed at your marginal rate up to a MAXIMUM of 28%.
by John3754
Sun Apr 12, 2015 3:58 pm
 
Forum: Personal Consumer Issues
Topic: gold bullion
Replies: 16
Views: 876

Re: Hypothetical End Game Scenario w/ 5M retirement account

Let's say you hit the low end of your target, $15M, at a 4% withdrawal that's $600k/year. What is it exactly that you're afraid of?
by John3754
Thu Apr 09, 2015 11:04 pm
 
Forum: Investing - Theory, News & General
Topic: Hypothetical End Game Scenario w/ 5M retirement account
Replies: 74
Views: 7347

Re: Hypothetical End Game Scenario w/ 5M retirement account

These are good responses. I think the answer lies more within happiness in life than needing a certain amount of money to say F everyone and do whatever you want. Thanks for sharing I guess I don't understand your point. You save $5M, you retire, and your plan is to withdraw 4% a year, in other wor...
by John3754
Thu Apr 09, 2015 10:35 pm
 
Forum: Investing - Theory, News & General
Topic: Hypothetical End Game Scenario w/ 5M retirement account
Replies: 74
Views: 7347

Re: Hypothetical End Game Scenario w/ 5M retirement account

4% of $5M is $200k a year. That's not enough?
by John3754
Thu Apr 09, 2015 10:23 pm
 
Forum: Investing - Theory, News & General
Topic: Hypothetical End Game Scenario w/ 5M retirement account
Replies: 74
Views: 7347

Re: Can I still add to my Roth IRA for 2014?

Yes, you can contribute for 2014 until April 15th 2015.

Also, you need a new accountant.
by John3754
Thu Apr 09, 2015 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I still add to my Roth IRA for 2014?
Replies: 10
Views: 617

Re: International Investing

I agree, and my impression is that so do most (but not all) people on this forum.
by John3754
Thu Apr 09, 2015 3:32 pm
 
Forum: Investing - Theory, News & General
Topic: International Investing
Replies: 65
Views: 4309

Re: Clean investing in a single stock

So you invested a significant portion of your net worth in a single stock based on a gut feeling and some youtube videos by the CEO, and you know absolutely nothing about the fundamentals of the company itself. I guess I'm just kind of flabbergasted. I mean I hope it works out well for you, but to m...
by John3754
Tue Apr 07, 2015 10:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Clean investing in a single stock
Replies: 47
Views: 4774

Re: Clean investing in a single stock

My gut compels me to buy this. I am not a sophisticated investor and I do not invest in individual stocks, so perhaps I'm speaking out of place here, but this is alarming to me. Have you analyzed the fundamentals of this company as is appropriate when purchasing an individual stock? What is it spec...
by John3754
Tue Apr 07, 2015 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Clean investing in a single stock
Replies: 47
Views: 4774

Re: Might Go $4,000 AAPL

Look, their [sic] will always be criticism. That never goes away. You have to weight it all out. Their [sic] is always "what if's [sic]"...but thats just scared money. What I do know is AAPL doesn't just create another product. When people use their products they don't want to use anythin...
by John3754
Mon Apr 06, 2015 7:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Might Go $4,000 AAPL
Replies: 68
Views: 5248

Re: smartphones

bowtie wrote:I can understand wanting to be online, check email etc., but you can do that w/a computer or a tablet.


Yes but a computer or tablet doesn't fit in your pocket. Personally I find having internet access at my fingertips wherever I go to be pretty valuable.
by John3754
Sun Apr 05, 2015 12:10 pm
 
Forum: Personal Consumer Issues
Topic: smartphones
Replies: 24
Views: 1792

Re: How did your 401k and IRA do 1st quarter?

Correct market timing is my goal until I recoup the share counts I would have had if I never left the market in 2013. You sound nothing like a Boglehead and everything like a gambler who says they're only going to play a few more hands or a few more spins of the wheel just so they can win back what...
by John3754
Fri Apr 03, 2015 11:24 pm
 
Forum: Investing - Theory, News & General
Topic: How did your 401k and IRA do 1st quarter?
Replies: 28
Views: 1884

Re: How did your 401k and IRA do 1st quarter?

I have no clue because I don't pay any attention to short term market movements or the movements of individual funds or accounts. I'm investing for the next 5+ decades (hopefully), so why should I care about what the market did over the last few weeks/months? What is it that you're nervous about and...
by John3754
Thu Apr 02, 2015 9:11 pm
 
Forum: Investing - Theory, News & General
Topic: How did your 401k and IRA do 1st quarter?
Replies: 28
Views: 1884

Re: Dip? What Dip? Did you catch it?

Based on rebalancing bands and following one's asset allocation: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=150267 You know, the whole "stay the course" thing. I don't use rebalancing bands or constantly monitor my asset allocation, I update my spreadsheets quarterly and stay...
by John3754
Mon Mar 30, 2015 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 12610

Re: Childs prenup

How does your child feel about this?
by John3754
Mon Mar 30, 2015 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Child's prenup
Replies: 19
Views: 2419

Re: Dip? What Dip? Did you catch it?

livesoft wrote:Maybe it is time to rebalance from equities to bond fund shares?


Based on what?
by John3754
Mon Mar 30, 2015 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 12610

Re: Mr. Money Mustache

The way you're presenting it in isolation, no, I do not agree, but lets see the video so we can take the comment in context please.
by John3754
Sun Mar 29, 2015 10:44 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache
Replies: 4
Views: 1411

Re: Failed Surgery - Doctor not volunteering discount

Right, doesn't hurt to ask at all, and unfortunately many here choose not to read carefully - (not you) - of course there are not guarantees, but something came "undone" and he did not bother to fix it. The doctor choosing to "wait and see" is not at all the same thing as him &q...
by John3754
Thu Mar 26, 2015 12:27 pm
 
Forum: Personal Consumer Issues
Topic: Failed Surgery - Doctor not volunteering discount
Replies: 32
Views: 2472

Re: Dip? What Dip? Did you catch it?

Rebalancing has quite a lot to do with catching dips. It is unlikely that one would be out of balance without a significant change of market values. I've seen it often posted that if one has the money then one should not wait to invest it. So if you have the money why wait? I won't have the money u...
by John3754
Wed Mar 25, 2015 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 12610

Re: Why Bonds With 20 Year Horizon?

malabargold wrote:100% stock always have been and always will be.


How many years expenses do you hold in cash, and assuming you're not currently retired, how many years expenses do you plan to hold in cash in retirement? What percentage of your total liquid assets does this cash represent?
by John3754
Tue Mar 24, 2015 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: Why Bonds With 20 Year Horizon?
Replies: 72
Views: 5347

Re: Whats a good Pistol to buy?

OldOne wrote:Revolver [or semi-automatic, depending on your personal preference.]


There, I fixed that quote for you. :wink:
by John3754
Mon Mar 23, 2015 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 8982

Re: Restaurant tipping

I believe I have been financially blessed, and I'm quite certain that I'm in a much better financial situation than any waiter/waitress who has served me. It simply just doesn't feel right to look at someone much poorer than you, judge them, and punish them if they don't meet your expectations. It'...
by John3754
Mon Mar 23, 2015 7:23 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 12584

Re: The one area I disagree with Jack

I totally disagree with Mr. Bogle on this... I am in favor of people taking their streams of income into account when deciding what their allocation should be. Those with a pension and SS can afford to take more risk. If they want to they can therefore be more aggressive than if they didn't have st...
by John3754
Sun Mar 22, 2015 9:41 am
 
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 7512

Re: Whats a good Pistol to buy?

Petrocelli wrote:I'd get a shotgun. You won't miss.


This is a myth, at home defense ranges the spread of a shotgun is not that much, and shotguns can be more difficult for a novice to handle.
by John3754
Sat Mar 21, 2015 11:09 pm
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 8982

Re: The one area I disagree with Jack

You've stated that you don't agree with him but you didn't say why? Social security is a source of fixed income, is it not?
by John3754
Sat Mar 21, 2015 4:25 pm
 
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 7512

Re: Whats a good Pistol to buy?

The OP has received a lot of good advice regarding getting training and learning the local laws. Here's my $0.02 on this subject...the conventional wisdom is that new shooters should always start on revolvers, but I have found this to not be universally true. I have experience helping multiple new s...
by John3754
Sat Mar 21, 2015 8:48 am
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 8982

Re: Restaurant tipping

Not too long ago 15% was considered a standard tip for standard quality service, now it seems that 20+% is considered standard. On one occasion when I received lousy service I left 15% and was chased out into the street and yelled at by the server for not leaving enough. I feel like I'm being held h...
by John3754
Sat Mar 21, 2015 8:44 am
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 12584

Re: John Bogle's Don't Peek Challenge

Deleted.
by John3754
Sat Mar 21, 2015 12:35 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 146
Views: 12391

Re: Dip? What Dip? Did you catch it?

Hey Livesoft, maybe next time an actionable dip is occurring you can bring our attention to it while it's happening so we can actually do something about it, rather than after when it's too late.
by John3754
Fri Mar 20, 2015 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 12610

Re: Anyone concerned about their bond holdings?

Michael_Fisher1 wrote:are these long term?


TLT is.
by John3754
Thu Mar 19, 2015 10:37 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone concerned about their bond holdings?
Replies: 58
Views: 5926

Re: Anyone concerned about their bond holdings?

Michael_Fisher1 wrote:So which bond types are more susceptible to greater losses if there is a hike in interest? I currently own AGG, SHY, TLT and have a fidelity total bond mutual fund


If you're worried about interest rate risk then why are you holding long term bonds?
by John3754
Thu Mar 19, 2015 10:32 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone concerned about their bond holdings?
Replies: 58
Views: 5926

Re: >$250,000 portfolios with Vanguard? Insurance?

FYI, investment accounts such as those at Vanguard aren't covered by FDIC insurance at all, not a single cent.
by John3754
Thu Mar 19, 2015 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: >$250,000 portfolios with Vanguard? Insurance?
Replies: 19
Views: 3075

Re: Do you have and auto loan?

I buy used and pay cash.

That said, there were no 0% loans available last time I bought, if someone wanted to give me free money I'd take it.
by John3754
Thu Mar 19, 2015 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] Do you have an auto loan?
Replies: 72
Views: 4642

Re: Anyone concerned about their bond holdings?

No I'm not concerned, not even a little.
by John3754
Thu Mar 19, 2015 10:45 am
 
Forum: Investing - Theory, News & General
Topic: Anyone concerned about their bond holdings?
Replies: 58
Views: 5926

Re: Interest rate hike signaled

For me, nothing. I will ignore the noise and stay the course.
by John3754
Wed Mar 18, 2015 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Interest rate hike signaled
Replies: 25
Views: 2270
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