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Re: Investment timing of brokerage account

hornet96 wrote:
Noobvestor wrote: Vanguard's intermediate muni fund starts close to that at .20% but drops to .12% once you hit $10,000$50,000


Slight correction above. Admiral shares of the muni funds start at $50K.


Oi, thank you! I'll edit my post, too.
by Noobvestor
Sun Nov 23, 2014 12:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment timing of brokerage account
Replies: 6
Views: 875

Re: How To Invest Your Emergency Fund?

So I've have a 6 month emergency fund sitting in a low interest savings account and am wondering what would be the best way to invest it to try and keep with the rate of inflation, but still keep it liquid. I've considered the following three options below, but would like some feedback. 2 months wo...
by Noobvestor
Fri Nov 21, 2014 12:33 am
 
Forum: Investing - Help with Personal Investments
Topic: How To Invest Your Emergency Fund?
Replies: 58
Views: 7325

Re: Employer switching to new retirement plan

The simplest solution would be what you suggest: LifeStrategy Moderate Growth - if you need to, you could later switch to the Conservative growth version and/or add 500 Index to up your stock allocation. Unfortunately I don't see many good bond options, but you can tweak things in another account if...
by Noobvestor
Fri Nov 21, 2014 12:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Employer switching to new retirement plan
Replies: 12
Views: 1220

Re: Portfolio check up pre payout

Less tax drag... the 33% deal (and top bracket this year) is a bit of a bummer. A good problem to have I suppose. The only muni fund I have considered is the Vanguard intermediate due to its diversification... 3500 some bond versus most others at ~1000. All this said, others claim bonds in your tax...
by Noobvestor
Fri Nov 21, 2014 12:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio check up pre payout
Replies: 5
Views: 686

Re: Young Investors Plan – I'm Firing Questions!

noobvestor I noticed you crossed out traditional ira can you explain why? I do have a 403b option at work (no employer matching) would this be a better secondary account than a traditional IRA? The I bond interest rate seems hardly worth it, were you thinking that would be like my cash option? My m...
by Noobvestor
Thu Nov 20, 2014 11:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young Investors Plan – I'm Firing Questions!
Replies: 14
Views: 2142

Re: Investment timing of brokerage account

I see what your saying. I am knda tied to Fidelity since have all employee stuff in there and prefer to keep in one place. If the market tanks how would that effect the municpal bond fund FTABX? That will be the majority of the money... Looks like it might dip a bit, but no more than any other muni...
by Noobvestor
Thu Nov 20, 2014 11:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment timing of brokerage account
Replies: 6
Views: 875

Re: Bond funds for IRA

Thank you for the responses. What TIPS though? Vanguard has a few. This one is pretty subjective - trivially: the short would be good if you have a short horizon, and the long better if you have a long horizon. The long is also more representative of the market (i.e. closer to a 'TIPS index') - I u...
by Noobvestor
Thu Nov 20, 2014 11:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond funds for IRA
Replies: 4
Views: 718

Re: Portfolio check up pre payout

Hrm, TIPS. I hadn't really considered them because of the tax drag. I suppose there is some wisdom in protecting against inflation despite recent history being exceptionally low. Perhaps a 1/3 of the bond portion is reasonable? You said "at least non-munis" which I assume means something ...
by Noobvestor
Thu Nov 20, 2014 11:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio check up pre payout
Replies: 5
Views: 686

Re: Emergency and earmarked funds - investing ideas

Noobvestor: The LS income dropped about 11% in 2008 and wasn't down in any other year. Still, I see your point and it may be a bit too risky. I set morningstar to run from Feb 2008 to Feb 2009 - and it dropped over 12% in that time. Not sure what the worst peak/trough dates were, I just picked two ...
by Noobvestor
Thu Nov 20, 2014 11:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emergency and earmarked funds - investing ideas
Replies: 8
Views: 957

Re: Emergency and earmarked funds - investing ideas

I Bonds can not be cashed in during the first year, and there will be some penalty in years 2-5. After 5 years no penalty. Similar for a 5 year CD, except you can cash in during the first year if needed. Today's I Bonds are 0% fixed, and with the inflation added, it is 1.48%. The inflation adjusts ...
by Noobvestor
Thu Nov 20, 2014 11:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emergency and earmarked funds - investing ideas
Replies: 8
Views: 957

Re: Portfolio check up pre payout

Just my opinions here but: 1) I wouldn't worry about the 1.2% part either way - whatever you want to do with that, go for it! 2) I would consider dropping your equity portion further - you've 'won the game' as they say, no reason to be above 50/50 IMHO 3) I would consider adding an inflation-protect...
by Noobvestor
Mon Nov 17, 2014 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio check up pre payout
Replies: 5
Views: 686

Re: Emergency and earmarked funds - investing ideas

I would be OK with losing about 10% on this money. Any more than that and I might start to panic. So of that $60k, if I lost $6k, not the end of the world. This dramatically limits your options - even an intermediate-duration bond fund could dip 10% in a year. I would start maxing out I Bonds in yo...
by Noobvestor
Mon Nov 17, 2014 11:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emergency and earmarked funds - investing ideas
Replies: 8
Views: 957

Re: Bond funds for IRA

We are consolidating our investments by rolling over my husband's 401k to Vanguard. We rolled it over total stock index fund and to total bond market index. And then we had a conference with Vanguard investment analyst to refine further. He recommends splitting the bond fund with 20 percent into in...
by Noobvestor
Mon Nov 17, 2014 11:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond funds for IRA
Replies: 4
Views: 718

Re: take long term gains on bond fund?

May need more info about what other gains/losses you have and how much you'd sell but generally you'd be paying 15% LTCG tax. Do you have losses to offset those? Is this part of your long-term portfolio or just a way you save extra cash? I guess if the latter I'd consider selling, but, on the other ...
by Noobvestor
Mon Nov 10, 2014 11:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: take long term gains on bond fund?
Replies: 1
Views: 311

Re: Investment timing of brokerage account

I am going to preface this post by saying, I know we should not time the market! Now that that's out of the way, I am trying to save to start a brokerage account at Fidelity consisting of 4 fidelity index funds at a 2500 minimum and the tax free muni fund that is a 25 K minimum for a total of 35 K ...
by Noobvestor
Mon Nov 10, 2014 11:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment timing of brokerage account
Replies: 6
Views: 875

Re: Turning 25 with 69k in savings.

I still don't entirely understand the benefits of doing ROTH over traditional. Is it because my tax rate is lower now? In theory, if you expect your tax bracket to be higher in retirement, you should use a Roth to pay taxes now then grow the money forever. In practice, taxes might go up overall in ...
by Noobvestor
Thu Oct 23, 2014 11:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Turning 25 with 69k in savings.
Replies: 18
Views: 3070

Re: Why include International Index in AA?

Aren't you just proving the point of why you should hold both - unless you know which one is going to perform better for the next decade... Indeed, sorry if I wasn't clear, but yes: my conclusion is that I should hold both (in my case I'm 50% US and 50% ex-US on the stock side). For all I know the ...
by Noobvestor
Wed Oct 22, 2014 11:14 pm
 
Forum: Investing - Theory, News & General
Topic: Why include International Index in AA?
Replies: 39
Views: 2829

Re: Why include International Index in AA?

I would say international matters quite a lot, as Nis knows ;) Maybe not in terms of volatility, but in other ways certainly. I didn't cherry-pick the below - I just went back 5 years, then went back 5 years ago, to the day. The past 5 years (return on 10K invested): 96% vs. 22% http://i.imgur.com/r...
by Noobvestor
Wed Oct 22, 2014 10:00 pm
 
Forum: Investing - Theory, News & General
Topic: Why include International Index in AA?
Replies: 39
Views: 2829

Re: Emergency Fund Questions

Emergency Funds amounts are typically recommend to be 3 months to 1 year's worth of expenses.... 1) What's the consensus here? 6 months? 2) If I have a good severence plan from my employer, should that factor into my decision on amount? I would never keep zero since an Emergency isn't always a job ...
by Noobvestor
Wed Oct 22, 2014 9:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Questions
Replies: 14
Views: 2272

Re: 401k investing during retirment

I am looking for some specific portfolios for with drawing a monthly income, I understand the mix of bond vers stock and withdraw +or - 4% I have all my money in vanguard funds and most of the funds you can not with draw monthly Does anyone have a portfolio of vanguard funds that their are drawing ...
by Noobvestor
Wed Oct 22, 2014 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing during retirment
Replies: 20
Views: 2076

Re: Young Investors Plan – I'm Firing Questions!

Greetings, Tim, and welcome to the forum! 1) Traditional IRA and you can also buy I Bonds which are tax-deferred. [Edited] 2) If you have things in different accounts/taxable statuses you won't be able to total them to get admiral shares. 3) International stocks should make up 20-50% of your portfol...
by Noobvestor
Wed Oct 22, 2014 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young Investors Plan – I'm Firing Questions!
Replies: 14
Views: 2142

Re: Turning 25 with 69k in savings.

Greetings and welcome to the forum! 1) You could use different Target Date funds depending on how your overall allocation (between various accounts) is leaning - I'd use a spreadsheet to figure out and keep your total allocation the way you want it. I would ditch the common stock fund and go with 10...
by Noobvestor
Wed Oct 22, 2014 9:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Turning 25 with 69k in savings.
Replies: 18
Views: 3070

Re: Loaning money to invest?

So my own opinion (not shared by all) is that it is probably best to treat a mortgage like a negative bond - i.e. to hold more bonds to compensate for having mortgage debt. On that philosophy, you'd need to have something giving you a higher return in the *safe bond* category to make it worth doing....
by Noobvestor
Wed Oct 22, 2014 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Loaning money to invest?
Replies: 13
Views: 1566

Re: Kindle - Which one to buy?

I prefer my Nook :)
by Noobvestor
Sun Jun 29, 2014 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Kindle - Which one to buy?
Replies: 36
Views: 2155

Re: Advice for portfolio heavy on bonds, light on tax-def sp

I'm in a pretty similar situation - light on tax-deferred space, plus a little heavier on bonds than most people my age. I recommend some/all of the following: 1) Vanguard Intermediate-Term Tax Exempt - decent after-tax yields 2) I Bonds and maybe EE Bonds (the latter if held for 20 years to double)...
by Noobvestor
Sun Jun 29, 2014 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for portfolio heavy on bonds, light on tax-def space
Replies: 9
Views: 519

Re: what's the % of world's investable assets in fixed incom

http://im.mstar.com/im/newhomepage/ibbotson111810.png via http://www.bogleheads.org/forum/viewtopic.php?t=63306 Honestly, if it were efficient (cost, tax, etc...) and easy (one fund, etc...) I would be happy to invest in an 'all world everything fund' ;) One thing I think is worth noting for stock-...
by Noobvestor
Thu Apr 17, 2014 10:07 pm
 
Forum: Investing - Theory, News & General
Topic: what's the % of world's investable assets in fixed income?
Replies: 5
Views: 842

Re: Domestic vs. International Stock Allocation

I don't get the currency risk argument ... still. Aside from the fact that it's a wash over time, and that older investors closer to spending their invested funds have more bond exposure, how do you folks decide how much 'currency risk' a, say, 70/30 portfolio gives you? How do you not find that arb...
by Noobvestor
Tue Mar 25, 2014 10:35 pm
 
Forum: Investing - Theory, News & General
Topic: Domestic vs. International Stock Allocation
Replies: 37
Views: 5500

Re: FutureAdvisor reducing exposure to US equities

So now that they are going AUM-style (.5% instead of a flat fee) I guess they feel the need to make it look like they are doing something ... too bad, really, I had high hopes for FutureAdvisor when I first saw them come out. This part cracks me up: Second, this manages risk in your portfolio, by in...
by Noobvestor
Tue Mar 25, 2014 10:30 pm
 
Forum: Investing - Theory, News & General
Topic: FutureAdvisor reducing exposure to US equities
Replies: 10
Views: 1384

Re: Poll: Which of these abbreviations do you understand?

I assumed idsfa was an experimental question to see if people would say 'yes' for one that didn't exist, which seems confirmed by its current count of zero?
by Noobvestor
Sat Feb 22, 2014 2:29 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Which of these abbreviations do you understand?
Replies: 66
Views: 2240

Re: Emerging Markets

Speaking of early 1900s/late 1800s GDP (and The Economist), this reminds me of a fact from the in-depth article in the Economist recently on Argentina: In the 43 years leading up to 1914, GDP [of Argentina] had grown at an annual rate of 6%, the fastest recorded in the world. From Wikipedia: Between...
by Noobvestor
Sat Feb 22, 2014 1:36 am
 
Forum: Investing - Theory, News & General
Topic: Emerging Markets
Replies: 15
Views: 2130

Re: TIAA Traditional vs. Bonds - What would you choose?

Well, I'm glad I asked you folks ... I'm going to advise them to leave all the TIAA in place and count is at the FI allocation until/unless something changes with rates down the line, and even then suggest they explore the annuitization options before making changes. I *was* thinking of suggesting t...
by Noobvestor
Sun Jan 19, 2014 9:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional vs. Bonds - What would you choose?
Replies: 43
Views: 2023

Re: TIAA Traditional vs. Bonds - What would you choose?

I confess I am a bit surprised that the consensus opinion seems to be 'stay in TIAA' despite it being such a large chunk of the portfolio in this case, but I can see the argument: (1) despite having a single point of failure, the odds of failure are extremely low, and (2) you really can't beat the r...
by Noobvestor
Sun Jan 19, 2014 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional vs. Bonds - What would you choose?
Replies: 43
Views: 2023

Re: TIAA Traditional vs. Bonds - What would you choose?

First, thanks for the really helpful responses so far - from opinions as well as additional facts I'm starting to get a better picture of things (and really appreciate the various views). Regarding the SRA/TPA distinction, I went ahead and found out more: All guarantee 3% minimum. A and B are from o...
by Noobvestor
Fri Jan 17, 2014 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional vs. Bonds - What would you choose?
Replies: 43
Views: 2023

TIAA Traditional vs. Bonds - What would you choose?

Someone I'm helping sort out their investments has a lot of money in TIAA traditional - about half of their retirement portfolio (and they are nearing retirement). On the one hand, it seems to be pretty safe and solid and higher-yielding than safe bond funds ... but, on the other hand, as someone wh...
by Noobvestor
Thu Jan 16, 2014 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional vs. Bonds - What would you choose?
Replies: 43
Views: 2023

Re: High Earners - What's Your Profession?

Small business owner.
by Noobvestor
Sun Jan 12, 2014 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 357
Views: 28856

Re: CAPE 26.4 - Would Ben Graham model be at 25/75 : Stock/B

International looks more attractive than US, and emerging more than developed. Given the easy, low-cost access to ex-US I suspect Ben Graham would make sure he was globally diversified. /2 cents

Happy New Year, folks!
by Noobvestor
Tue Dec 31, 2013 7:15 pm
 
Forum: Investing - Theory, News & General
Topic: CAPE 26.4 - Would Ben Graham model be at 25/75 : Stock/Bond?
Replies: 15
Views: 1201

Re: Questioning role of Emerging Markets

...If they think there is no expected return for those kinds of risks, then I question why you think the market is ignorant of them and/or doesn't price them in. It doesn't matter if they're priced in or not, there are risks (and maybe returns and diversification benefits) that I just don't want a ...
by Noobvestor
Wed Nov 20, 2013 4:24 am
 
Forum: Investing - Theory, News & General
Topic: Questioning role of Emerging Markets
Replies: 58
Views: 5818

Re: How Much Cash Should Your Portfolio Have?

I agree that cash is useful for emotional reasons but not for mathematical ones. It may help you sleep better but it will compromise your returns over the long haul. My advice: if you want some cash so you can bottom feed after a correction, buy BRK instead. They're currently holding about $40B (ab...
by Noobvestor
Sat Nov 16, 2013 10:40 pm
 
Forum: Investing - Theory, News & General
Topic: How Much Cash Should Your Portfolio Have?
Replies: 44
Views: 6579

Re: Questioning role of Emerging Markets

I own the S&P500 and the profits of those companies, and I'm in a well established market with certain rules of law and protections afforded to me with ownership. Even if I as an average share holder can't force the sell and distributions of the company assets and earnings, there is a well esta...
by Noobvestor
Sat Nov 16, 2013 10:37 pm
 
Forum: Investing - Theory, News & General
Topic: Questioning role of Emerging Markets
Replies: 58
Views: 5818

Re: Index Funds of Startups?

That is hilarious Nis - great find. It really does say something if those are what they view as risk-free ... I do think there is some relative sense in which a lot of entrepreneurs think that way - compared to a fly-or-die startup the stock market looks positively tame :) I've talked at tech/startu...
by Noobvestor
Tue Nov 12, 2013 1:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Index Funds of Startups?
Replies: 3
Views: 706

Re: Do you have a warchest for a correction?

I suppose I could sell my kidney on the black market if the stock market drops 90% ...
by Noobvestor
Tue Nov 12, 2013 12:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you have a warchest for a correction?
Replies: 30
Views: 2881

Re: Questioning role of Emerging Markets

. Do I want to have a significant portion of my equity exposure in a country that is at least nominally Communist? Communist countries do not have a tradition of respecting property rights and the rule of law. Nominally communist? Explain? Meanwhile, China is only 21% of Vanguard EM index. Brazil, ...
by Noobvestor
Tue Nov 12, 2013 12:50 am
 
Forum: Investing - Theory, News & General
Topic: Questioning role of Emerging Markets
Replies: 58
Views: 5818

Index Funds of Startups?

I find this fascinating ... not recommending anyone do it, but it's kind of like a miniature index fund approach to startup investing: WeFunder's 'staff picks': https://wefunder.com/staffpickfund Angel.co groupings around startup school graduation classes, etc...: https://angel.co/techstars-seattle-...
by Noobvestor
Mon Nov 11, 2013 1:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Index Funds of Startups?
Replies: 3
Views: 706

Re: How Much Cash Should Your Portfolio Have?

If you treat cash as a zero-duration bond it's a non-issue - you simply hold as much as you want/need to bring down your target duration. If you consider cash an asset class, then I don't know ... I'd say no more than 25% of a portfolio (pulling that out of thin air! Whee!).
by Noobvestor
Mon Nov 11, 2013 12:45 am
 
Forum: Investing - Theory, News & General
Topic: How Much Cash Should Your Portfolio Have?
Replies: 44
Views: 6579

Re: Do Bogleheads have a number?

I have a target number for a preferred lifestyle and baseline number for what I assume I could live on frugally if absolutely necessary. Both are functions of a standard/conservative multiplier (30x spending).
by Noobvestor
Mon Nov 11, 2013 12:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads have a number?
Replies: 118
Views: 11531

Re: If you started at the beginning...

rob wrote:Spend $$ on experiences not things :D


This gets said a lot and yet not nearly enough. I'm not that much older and already I look back and never regret spending money on an experience (or money I have saved, so far anyway), but do question a few things I bought along the way :oops:
by Noobvestor
Tue Nov 05, 2013 11:17 pm
 
Forum: Investing - Theory, News & General
Topic: If you started at the beginning... [advice for new investor]
Replies: 30
Views: 1944

Re: Halloween Effect in Equities: More 'Trick' than 'Treat'?

That's the beauty and bane of data mining - there are all kinds of amazing patterns that won't persist but look and sound really convincing to the uninitiated. My favorite is the amazing 140-year-long pattern: every President elected in a year ending in 0 died in office. 1840-1960. Of course, nobod...
by Noobvestor
Tue Nov 05, 2013 11:10 pm
 
Forum: Investing - Theory, News & General
Topic: Halloween Effect in Equities: More 'Trick' than 'Treat'?
Replies: 8
Views: 792

Re: A look at the record.

Bogleheads: Mr Arends wrote: "You can beat the market with smart timing." Whenever I hear about a successful (?) market-timer, I often look at their record. This is what Brent Arends recommended in 2007 : HEADLINE: TREASURIES A BAD BET NOW. Mr. Arends specifically warns against VUSTX (Van...
by Noobvestor
Tue Nov 05, 2013 2:14 am
 
Forum: Investing - Theory, News & General
Topic: Brent Arends: you can beat the market with smart timing
Replies: 89
Views: 5694

Re: LT Bonds for 29 year old?

Sure an equities crash will hurt in the short term, but if you have the discipline to weather a 30-40% drop and the time horizon to capture the rebound I don't see a need for a larger bond exposure "right now." My advice, take a good risk questionnaire and see what it spits out. Based on ...
by Noobvestor
Mon Nov 04, 2013 11:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: LT Bonds for 29 year old?
Replies: 20
Views: 1895
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