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by MKP
Fri Apr 24, 2015 7:58 pm
Forum: Investing - Theory, News & General
Topic: Who follows Age in Bonds
Replies: 62
Views: 4770

Re: Who follows Age in Bonds

cjackson0 wrote:Wow. I must be the only one actually (roughly) following age in bonds.


I am pretty close.
by MKP
Thu Apr 09, 2015 9:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: One Third of 401k Participants Not Maxing Match
Replies: 13
Views: 1651

Re: Vanguard: One Third of 401k Participants Not Maxing Mat

my company used to be a match of 5% with the participant's contribution of 1%. They just changed it to: to get the 5% you have to contribute 5%.
by MKP
Fri Apr 03, 2015 9:20 pm
Forum: Investing - Theory, News & General
Topic: How did your 401k and IRA do 1st quarter?
Replies: 28
Views: 1995

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

In my 401K I pulled 2.6% with a 90/10 stock bond allocation. 30% of the stock is in international. I dont know where to find the info for Vanguard, which has significant small value/international and int bond holdings.
by MKP
Mon Mar 23, 2015 5:25 pm
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 233
Views: 22838

Re: Who should be concerned?

I was considering these funds as a way to simplify my portfolio down the road. My wife is not investment savvy and making things simple for her is a concern. I was not thrilled when VG increased the equity allocation of these funds awhile back and again when they added international bonds. I can't ...
by MKP
Sun Mar 22, 2015 2:52 pm
Forum: Investing - Theory, News & General
Topic: How do you invest your taxable account?
Replies: 69
Views: 8134

Re: How do you invest your taxable account?

I disagree with most of these replies. ... According to my calculations, based on my tax situation (39.6% fed + 8.97% state) , putting the fastest growing investments into tax-deferred space to avoid dividend and capital gains taxes and to "expand" the 401k/IRA/Roth space will result in M...
by MKP
Sat Mar 21, 2015 8:25 pm
Forum: Investing - Theory, News & General
Topic: How do you invest your taxable account?
Replies: 69
Views: 8134

Re: How do you invest your taxable account?

s&p500 with TLH to total market
by MKP
Sat Mar 21, 2015 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Does your CPA/Tax Person help with reducing your taxes?
Replies: 66
Views: 6015

Re: Does your CPA/Tax Person help with reducing your taxes?

CPAs are obligated by the profession to not have you pay more than you owe based on the information you have provided. They are not obligated to provide you with strategies that would ultimately change the information you provide in the next tax year. I am probably going to open a Tax practice (on m...
by MKP
Mon Mar 16, 2015 7:19 pm
Forum: Investing - Theory, News & General
Topic: Poll: When to pay down debt rather than invest
Replies: 49
Views: 4187

Re: Poll: When to pay down debt rather than invest

I wont pay anything down that is less than annual real inflation.

.9 or 1.9% car loan...nope.

3.125% mortgage...nope.
by MKP
Fri Mar 13, 2015 8:29 pm
Forum: Investing - Theory, News & General
Topic: American Funds beats the market 97% of the time?
Replies: 50
Views: 5540

Re: American Funds beats the market 97% of the time?

compared to other load funds.

that is like saying my pile of dirty laundry smells cleaner than your dirty laundry. At the end of the day, they both stink.
by MKP
Thu Mar 12, 2015 5:39 pm
Forum: Investing - Theory, News & General
Topic: Finra raps UBS, Vanguard with fines totaling $850,000
Replies: 23
Views: 2948

Re: Finra raps UBS, Vanguard with fines totaling $850,000

ShiftF5 wrote:Ouch.


they wont even notice $350K.
by MKP
Sun Mar 08, 2015 5:41 pm
Forum: Investing - Theory, News & General
Topic: interest rate increase looming. what you gonna do ?
Replies: 65
Views: 6659

Re: interest rate increase looming. what you gonna do ?

anotherITguy wrote:Would moving $ from TSP G to TSP C/S after the rate increase be seen as timing the market?


To time the market for the expected increase, you sold have moved from stocks to bonds on Friday.

I had some big contributions to make...so I did then on Friday.
by MKP
Sat Mar 07, 2015 8:13 pm
Forum: Investing - Theory, News & General
Topic: interest rate increase looming. what you gonna do ?
Replies: 65
Views: 6659

Re: interest rate increase looming. what you gonna do ?

My current Bond AA is: GIC (through 401-K): 17% of bond portion VBIRX (Vanguard Short-Term Bond: 70.5% of bond portion I Bonds: 12.5% of bond portion My bonds are 32.9% of total portfolio. I would like to move my VBIRX to a fund with a longer duration, but I've been waiting on interest rates to ris...
by MKP
Sat Mar 07, 2015 11:39 am
Forum: Investing - Theory, News & General
Topic: Vanguard Utilities Index
Replies: 3
Views: 391

Re: Vanguard Utilities Index

People flocked to utilities due to the higher distributions they offer relative to other sectors. If rates are raised-those distributions wont look as appealing. People appear to be front-running the rate rise.
by MKP
Mon Feb 16, 2015 8:00 pm
Forum: Investing - Theory, News & General
Topic: Average amount saved for retirement by age
Replies: 133
Views: 28554

Re:

While it is great that this worked out for you, saving over half of your retirement assets in the last 5 years of working is dangerous to say the least. A real story: What this person saved. Not enough, you would say, but.... It has worked out. It wasn't because of spending...it was income and takin...
by MKP
Sun Feb 15, 2015 8:19 pm
Forum: Investing - Theory, News & General
Topic: why stocks outperform other asset classes in the long run ?
Replies: 51
Views: 3776

Re: why stocks outperform other asset classes in the long ru

Caduceus wrote:If I were a company, and I could borrow money at a 4% interest rate, but could not find any capital projects with an anticipated return in excess of 4%, I would not (or should not) borrow the money.


unless you wanted to use the cash to buy back your shares...har har. :sharebeer
by MKP
Sat Jan 31, 2015 2:13 pm
Forum: Investing - Theory, News & General
Topic: When should you stop contributing to an HSA?
Replies: 31
Views: 2080

Re: When should you stop contributing to an HSA?

If I could I would max my HSA every year and treat it as a Roth IRA (read: retirement savings) with extra perks. I see no reason to do otherwise. Isn't it more like a traditional IRA for non-medical expenses? Yes, but there is no way that your or your dependents will never have a medical expense fo...
by MKP
Sat Jan 31, 2015 2:11 pm
Forum: Investing - Theory, News & General
Topic: Any other investors with 70/30 portfolio?
Replies: 71
Views: 8617

Re: Any other investors with 70/30 portfolio?

I am at 72/27 I am turning 31 and am doing age-5 in bonds.

I save a lot so I dont feel like i need to take as much risk.
by MKP
Sun Jan 18, 2015 11:50 am
Forum: Investing - Theory, News & General
Topic: US/foreign allocation under massive relative US drop
Replies: 21
Views: 1531

Re: US/foreign allocation under massive relative US drop

Does anyone know where we can get the data for the total value or relative percent of the US stock market to the US bond market and/or The US bond market to the Intl bond market?

I would actually like to implement this, as I believe there is a very compelling argument presented.
by MKP
Wed Jan 07, 2015 11:07 am
Forum: Investing - Theory, News & General
Topic: Should you buy foreign stocks because they're cheaper?
Replies: 4
Views: 1095

Re: Should you buy foreign stocks because they're cheaper?

The difference is probably due to tech valuations since the US is so tech heavy and some of the valuations are quite insane.
by MKP
Sat Dec 20, 2014 11:40 pm
Forum: Investing - Theory, News & General
Topic: Please debunk this CNN Money article on dividend investing
Replies: 42
Views: 5224

Re: Please debunk this CNN Money article on dividend investi

All the discussion here is very level headed and practical. But if taken to its logical conclusion and all companies stopped paying dividends, why would any person every buy one? The promise of eventual dividend payments is the only fundamental reason to value a stock above 0. incorrect. the cash i...
by MKP
Wed Sep 24, 2014 5:58 am
Forum: Investing - Theory, News & General
Topic: Calculating Bond Fund What-Ifs
Replies: 56
Views: 5031

Re: Calculating Bond Fund What-Ifs

Last week the Federal Reserve released their "Dot Plot", saying they expected the Fed Funds rate to increase from its current 0% to 0.25% starting in 2015, and be at 3.75% by the end of 2017. So let's assume that this does indeed occur, and the Fed Funds rate gradually and steadily increa...
by MKP
Mon Sep 22, 2014 6:33 pm
Forum: Investing - Theory, News & General
Topic: How stocks perform in recessions
Replies: 13
Views: 1480

Re: How stocks perform in recessions

Hi Larry,

I think you are on to something. I think that the market becomes properly priced before the recession due to companies lowering there outlooks. This in turn will usually reduce the stock price to a more appropriate level when entering the recession (two-three quarters out).
by MKP
Fri Sep 12, 2014 7:17 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 12583

Re: "Why 97% of People Don't Use 529 College Savings Plans."

I have maxed out my 401K, two roths, my wife's small business 401K, and a family HSA. I am planning to do a 529 when my child is born in January. I will probably do another $400 a month or so ($5K per year) because I dont want to have to worry about college for my kid and have no idea where else to...
by MKP
Fri Sep 12, 2014 5:57 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 12583

Re: "Why 97% of People Don't Use 529 College Savings Plans."

I have maxed out my 401K, two roths, my wife's small business 401K, and a family HSA. I am planning to do a 529 when my child is born in January. I will probably do another $400 a month or so ($5K per year) because I dont want to have to worry about college for my kid and have no idea where else to ...
by MKP
Fri Sep 12, 2014 5:34 am
Forum: Investing - Theory, News & General
Topic: Buffett: Modern investment theory is horse-pucky
Replies: 119
Views: 10615

Re: Buffett: Modern investment theory is horse-pucky

someone please tell him that we all don't have access to the crony capitalism component for our portfolios. :annoyed
by MKP
Sun Sep 07, 2014 7:59 am
Forum: Investing - Help with Personal Investments
Topic: I-bonds: Automatic Investments
Replies: 14
Views: 2010

Re: I-bonds: Automatic Investments

wassabi and MKP - That's incorrect, as far as I know. There's a minimum redemption of $25, but you don't need to redeem the entire amount you deposited 1+ year previously. https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iredeem.htm Not sure what you mean. Maybe I am doing so...
by MKP
Sat Sep 06, 2014 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: I-bonds: Automatic Investments
Replies: 14
Views: 2010

Re: I-bonds: Automatic Investments

Side question for anyone who has the answer: I've only ever bought I-Bonds for the max ($10k for me). Correct me if I'm wrong, but but if I bought in multiple smaller denominations throughout the year, I would have individual bonds for each purchase, right? So if I buy monthly, then I have 12 bonds...
by MKP
Tue Sep 02, 2014 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help for colleague in FRS Investment Plan
Replies: 1
Views: 238

Re: Help for colleague in FRS Investment Plan

My wife is in the FRS pension and a while back I looked over the investments and decided to keep her in the pension, but during my review, I found the funds you mentioned to be pretty basic and low-expense. Overall, I think 90/10 is very aggressive for their age. I would recommend at least age in bo...
by MKP
Thu Aug 28, 2014 5:26 am
Forum: Investing - Help with Personal Investments
Topic: Intermediate term tax exempt bond fund or TBM? Pls help
Replies: 9
Views: 933

Re: Intermediate term tax exempt bond fund or TBM? Pls help

Depending on the size of those accounts, you can get even simpler than that. Lets say tax advantaged is 75% of the total dollars in all accounts: 75 TA 33% Total Market Index 33% Total Bond Index 33% Total International 25 Taxable 100% Total Market Index If the accounts are more equal in size it get...
by MKP
Tue Aug 26, 2014 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Total International Bond Index Fund
Replies: 36
Views: 3111

Re: Total International Bond Index Fund

I dont know, maybe I am in the minority here, but at a 1% SEC yeild, this bond fund seems more like a savings account with the ability to lose principle.

You can only go full NIRP for so long.
by MKP
Fri Jul 25, 2014 7:53 am
Forum: Investing - Help with Personal Investments
Topic: FRS (Fl Ret Srv) Pension Option - Worth it?
Replies: 10
Views: 813

Re: FRS (Fl Ret Srv) Pension Option - Worth it?

My wife is in the pension systeem for Fl. Iirc, it currently has a small shortfall in pension asset funding, but florida has taken steps to minimize the risk of future funding problems. My wife has 24 years until retirement and I chose to keep her in the system. She still had a Roth in order to dive...
by MKP
Fri Jan 24, 2014 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: How Bogleheaded today? I was supposed to buy my stocks.
Replies: 50
Views: 4008

Re: How Bogleheaded today? I was supposed to buy my stocks.

abuss368 wrote:
Grt2bOutdoors wrote:I bought Total Intl today. :beer


And that is the Boglehead way!


I bought yesterday :(

Not really worried - as the problems causing the markets to melt down cant be solved over the weekend. (and ill have more money to buy next week)
by MKP
Tue Jan 14, 2014 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Eugene-Fama/Dimension Funds
Replies: 13
Views: 1962

Re: Eugene-Fama/Dimension Funds

Off topic - but just want to add. I love my DFA small cap fund...because it is actually small-cap unlike the vanguard "small cap" funds that are nearly 46% mid cap.

So much for SV tilting with the VG funds.
by MKP
Wed Jan 08, 2014 7:16 am
Forum: Investing - Help with Personal Investments
Topic: buy I-bonds now or wait after May 1?
Replies: 50
Views: 10667

Re: buy I-bonds now or wait after May 1?

Yes, even at today's low rates, tax-deferred I Bonds remain a decent investment. Fortunately, many of us backed up the truck when they had fixed rates of 3.0' 3.3, 3.4 and 3.6% real. What if the May rates drop back to 0% where they were for some time? Mel, that is the KEY question, and it is why I ...
by MKP
Sun Dec 29, 2013 9:05 am
Forum: Investing - Help with Personal Investments
Topic: I-401K Question
Replies: 14
Views: 1033

Re: I-401K Question

one last question: do I have until the tax filing deadline to contribute to the plan or is it until through 12/31? The business tax year end date is 12/31.
by MKP
Sat Dec 28, 2013 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: I-401K Question
Replies: 14
Views: 1033

Re: I-401K Question

There's no point in doing employer contributions. And there's no ability to make employer contributions, since she's maxed out under the section 415 limit (100 per cent of pay is $5000-353). I would execute an elective deferral agreement to that effect by 12/31. that was what i was thinking. I just...
by MKP
Sat Dec 28, 2013 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: I-401K Question
Replies: 14
Views: 1033

Re: I-401K Question

she doesnt partake in the workplace 403b as all of the options are high cost and have hefty fees.
by MKP
Fri Dec 27, 2013 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: I-401K Question
Replies: 14
Views: 1033

Re: I-401K Question

Considering it's the end of the year and a little late to open a Solo 401k, she might look at opening a SEP IRA for 2013, then at least she can save 20% of net profit. Next year, if earnings are that low, a SIMPLE IRA may allow just as much savings as a 401k. And I agree that a Roth IRA might be be...
by MKP
Fri Dec 27, 2013 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: I-401K Question
Replies: 14
Views: 1033

Re: I-401K Question

MKP - There are a couple of potential snags which would all be situationally dependent. For starters, your question is correct as part of the individual contribution she can put it all into the 401k. However as mnvalue mentions, if she has another 401k, then her personal contributions between them ...
by MKP
Thu Dec 26, 2013 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: I-401K Question
Replies: 14
Views: 1033

I-401K Question

My wife has a sole proprietorship and brings home about $5K extra in income per year. I understand she can make an individual 401K contribution of the sum of: $5000 and $(-353) se tax. For a total contribution of $4647 Is there any point to have employer contributions since the total is under the in...
by MKP
Sat Dec 14, 2013 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to figure out why not tilt heavily to Small
Replies: 21
Views: 1991

Re: Trying to figure out why not tilt heavily to Small

i split large and small 50/50. I dont care that much about market cap. I really like a diverse selection of companies.

I dont want 80% of my domestic stock in just 500 companies.
by MKP
Sat Nov 02, 2013 7:27 am
Forum: Investing - Theory, News & General
Topic: Share Certificate 3 year PenFed 2.02% apy
Replies: 61
Views: 6802

Re: Share Certificate 3 year PenFed 2.02% apy

Van-Guard23 wrote:Thanks...went ahead and opened a 3-year CD as I slowly build my CD ladder. Too bad I pulled the trigger too early on the 4-year CD with an APY of "only" 1.76% with PenFed.


Man, thats tough, you lost $2.40 per $1000 a year. :shock: :oops:
by MKP
Fri Nov 01, 2013 7:54 pm
Forum: Investing - Theory, News & General
Topic: Share Certificate 3 year PenFed 2.02% apy
Replies: 61
Views: 6802

Re: Share Certificate 3 year PenFed 2.02% apy

TT wrote:https://www.penfed.org/


Thanks-checked the site early this morning and only the 5 & 7 yr were 2%.
by MKP
Tue Oct 29, 2013 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Determining how much to contribute to a new HSA
Replies: 3
Views: 371

Re: Determining how much to contribute to a new HSA

My employer is offering HSAs for the first time. In the past, I have never enrolled in FSAs due to losing the money if you dont use it in the 14.5 months period. However the nature of keeping all the money you contribute to the HSA until its spent attracts me to it. My employer allows you to contri...
by MKP
Sun Oct 27, 2013 7:36 pm
Forum: Personal Consumer Issues
Topic: Vanguard's Old Dividend & Income Page
Replies: 9
Views: 1582

Re: Vanguard's Old Dividend & Income Page

It is still there. Go to the "My Accounts" drop down, and then pick the 4th option "Dividend and Capital Gains". There is a "taxable and "non-taxable" tab. The link is there, MKP, and the tabs are there, but the data is not. Despite numerous sales, nothing is show...
by MKP
Sat Oct 26, 2013 9:40 am
Forum: Investing - Help with Personal Investments
Topic: HSA Question
Replies: 8
Views: 812

Re: HSA Question

I am helping some people at my work by explaining the investment options, and to me an instant 6.6% return is pretty good. I think the idea would be to accumulate about $10K before making the switch worth it as my employer covers the HSA fees. So at some point paying the HSA fees yourself becomes a...
by MKP
Sat Oct 26, 2013 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Investment Opinions: Bonds or CDs
Replies: 14
Views: 1091

Re: Investment Opinions: Bonds or CDs

I've seen a lot of talk on here of people keeping their bonds and others moving to CDs. What role do these investment options play in a portfolio and when are each appropriate in this investment environment? One specific question to discuss: 1. Should we be replacing bonds with CDs over the short t...
by MKP
Sat Oct 26, 2013 7:42 am
Forum: Investing - Help with Personal Investments
Topic: Investment Opinions: Bonds or CDs
Replies: 14
Views: 1091

Re: Investment Opinions: Bonds or CDs

I've seen a lot of talk on here of people keeping their bonds and others moving to CDs. What role do these investment options play in a portfolio and when are each appropriate in this investment environment? One specific question to discuss: 1. Should we be replacing bonds with CDs over the short t...
by MKP
Fri Oct 25, 2013 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Question
Replies: 8
Views: 812

Re: HSA Question

I am helping some people at my work by explaining the investment options, and to me an instant 6.6% return is pretty good. I think the idea would be to accumulate about $10K before making the switch worth it as my employer covers the HSA fees. So at some point paying the HSA fees yourself becomes a ...
by MKP
Fri Oct 25, 2013 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Question
Replies: 8
Views: 812

HSA Question

I know there have been a bunch of health questions lately, but I may have new question: Would it be worth it (assuming you were not maxing out 401K) to invest heavily in your HSA even if there are really crappy (all active) high ER (+1%) before putting more money in the 401K? I am thinking that it m...

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