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Re: Most/Least Boglehead 2014 Activity?

Bought equities on both of the major dips this year (2/3 & 10/15). Not because I needed to rebalance; simply market timing.
by feh
Wed Dec 17, 2014 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 72
Views: 6400

PSA - check your reinvestment settings

Just thought I'd pass this along to prevent anybody else from having the same issue... I have a taxable account at Fidelity. In 2013, I set all positions to not reinvest dividends/cap gains. Two or three months ago, I TLH'd one of those positions and bought a similar fund. Since the similar fund was...
by feh
Wed Dec 17, 2014 1:37 pm
 
Forum: Investing - Theory, News & General
Topic: PSA - check your reinvestment settings
Replies: 2
Views: 421

Re: (Poll) Did you tap into emergency fund in the past 10 ye

I answered "no" because we haven't tapped our EF for living expenses. However, our EF isn't just an EF - it's also set aside for occasional large purchases. In the last 10 years, it's been used for things like car purchases and unexpectedly large tax bills.
by feh
Fri Dec 12, 2014 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: (Poll) Did you tap into emergency fund in the past 10 years?
Replies: 54
Views: 3472

Re: How to teach young kids to be frugal?

Lead by example. Deny yourself things that are too expensive or do not provide a good value for the dollar, and make sure they know the thought process behind your decision. +1 We don't lack for money; we could buy our son pretty much whatever he wants, but we don't. We get our books from the local...
by feh
Fri Dec 12, 2014 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to teach young kids to be frugal?
Replies: 65
Views: 4144

Re: TIPS Mutual Funds

Bracket wrote:I'm sticking with my TIPS fund. (20% of my fixed income)


That's the percentage I'm heading for (I include I bonds in that percentage).
by feh
Fri Dec 12, 2014 2:31 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS Mutual Funds
Replies: 42
Views: 2874

Re: Poll: Your Portfolio Tax Diversification

50% taxable
40% tIRA/401K
10% Roth
by feh
Fri Dec 12, 2014 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Your Portfolio Tax Diversification
Replies: 45
Views: 2441

Re: TIPS Mutual Funds

I'm adding them to my portfolio for the first time, because I'm getting ready to retire.

Don't try to time the market.
by feh
Fri Dec 12, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS Mutual Funds
Replies: 42
Views: 2874

Re: Slice And Dice Alternative Retirement Investments

For the slice-n-dicers and tilters... What are your thoughts about getting exposure to precious metals and commodities? Do you think either or both have an allocation in your retirement portfolio? Regarding precious metals in particular, do you think it's better to buy ETFs that have physical posse...
by feh
Thu Dec 11, 2014 11:23 am
 
Forum: Investing - Theory, News & General
Topic: Slice And Dice Alternative Retirement Investments
Replies: 9
Views: 1139

Re: POLL: Should investors have a separate emergency fund?

Here's maybe another way of thinking about the idea. Say that I'm a new investor who has a $10,000 emergency fund and $20,000 invested 75/25. I then have a $10,000 emergency, so I spend down the emergency fund. I think I should "rebalance" and refill the emergency fund with money from my ...
by feh
Thu Dec 04, 2014 1:08 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Should investors have a separate emergency fund?
Replies: 58
Views: 3467

Re: POLL: Should investors have a separate emergency fund?

backpacker wrote:The weird thing about emergency funds is that they make your overall asset allocation depend on whether or not you happen to have had a recent personal financial emergency.


Only if you consider your EF to be part of your portfolio. I wouldn't.
by feh
Wed Dec 03, 2014 1:44 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Should investors have a separate emergency fund?
Replies: 58
Views: 3467

Re: What % of your fixed-income is TIPs?

13%, moving toward the target of 20% when I retire in 16 months.
by feh
Wed Dec 03, 2014 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: What % of your fixed-income is TIPs?
Replies: 71
Views: 3500

Re: muni bond funds in taxable - reinvest dividends?

I do reinvest dividends from bond funds. I do not reinvest dividends from equity funds.

FWIW - in our taxable accounts, our AA is about 90/10, so the bond fund dividends don't amount to much. I am not yet retired, so not selling anything.
by feh
Tue Dec 02, 2014 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: muni bond funds in taxable - reinvest dividends?
Replies: 26
Views: 5459

Re: Penfed December cd rates released - Down

Had set aside a small amount of cash for potential CD purchases at the end of the year; bought some VFSTX instead.
by feh
Mon Dec 01, 2014 1:13 pm
 
Forum: Investing - Theory, News & General
Topic: Penfed December cd rates released - Down
Replies: 6
Views: 1277

Re: 529 Plan - when to stop contributing?

Any suggestions on when to stop contributing to 529 plans. How much is too much? Tough to plan when you don't know where the kids are going to school, how long they will be there, and how much it will cost. What percentage of your childrens' college costs you want to pay is a personal choice - only...
by feh
Fri Nov 21, 2014 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 Plan - when to stop contributing?
Replies: 15
Views: 1752

Re: What temperature for house for long winter absence?

+1 on emptying the pipes and turning off the water.

If that's not an option, the answer depends on the particulars of your house - how well it's insulated, where the pipes run, etc. We had an empty house for a winter where the temps can get below zero, and kept the thermostat set at 50.
by feh
Thu Nov 20, 2014 12:17 pm
 
Forum: Personal Consumer Issues
Topic: What temperature for house for long winter absence?
Replies: 54
Views: 7080

Re: Should one auto-reinvest dividends in taxable?

mkc wrote:We don't auto-reinvest but rather use dividends to rebalance as needed to maintain our desired AA.


+1

Flexibility.
by feh
Wed Nov 05, 2014 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should one auto-reinvest dividends in taxable?
Replies: 19
Views: 2069

Re: Paying portfolio fees to Fidelity vs investing on own

I have nearly the same $ with fidelity but manage it myself. All in spartan advantage index funds. On $1.2M, i pay $1055 a year total. Rebalance for 15 minutes once a year I considered moving to vanguard and gave them a shot by attempting to open a roth. Can't do it 100% online so I gave up and did...
by feh
Wed Nov 05, 2014 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Paying portfolio fees to Fidelity vs investing on own
Replies: 17
Views: 1393

Re: iBonds at zero % fixed

imgritz wrote:Why do you prefer this over a Vanguard tax exempt fund?


I own both.
by feh
Tue Nov 04, 2014 1:13 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 9336

Re: iBonds at zero % fixed

Well, now I can do something else w/ the $20K I had earmarked for I bonds in January...
by feh
Tue Nov 04, 2014 12:54 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 9336

Re: Career change: realistic expectations and risks

Can't suggest which road to take, as I can't predict the future and know nothing about military careers.

One thought I did have reading the OP - if you leave the military, I'd skip the Master's degree. You'd be better off getting on the job experience.
by feh
Fri Oct 31, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Career change: realistic expectations and risks
Replies: 27
Views: 2861

Re: How did you buy your largest home?

We paid cash. The mortgage on our first home had been paid off and I could not go back to the world of monthly payments.
by feh
Fri Oct 24, 2014 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you buy your largest home?
Replies: 25
Views: 2714

Re: 2nd Opinions on Bond Alternatives?

galeno wrote:Fire the FAs.


+1
by feh
Fri Oct 24, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: 2nd Opinions on Bond Alternatives?
Replies: 35
Views: 2263

Re: Have Ibonds do we need Tips

hoops777 wrote:Thanks for the replies.When all is said and done at 70 I am projecting between 15 and 20 pct of my total portfolio in Ibonds and I will be 20 to 25 pct equities.


The recommendations I've read indicate that should be enough inflation protection without TIPS.
by feh
Tue Oct 21, 2014 9:00 pm
 
Forum: Investing - Theory, News & General
Topic: Have Ibonds do we need Tips
Replies: 5
Views: 1043

Re: What tax software do you use and why

Used to bounce around from product to product. Been using Taxact for the last 5 or 6 years now.
by feh
Tue Oct 21, 2014 12:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: What tax software do you use and why
Replies: 54
Views: 2716

Re: Have Ibonds do we need Tips

What portion of your portfolio is I Bonds? What portion of your fixed income assets is I Bonds?
by feh
Tue Oct 21, 2014 11:41 am
 
Forum: Investing - Theory, News & General
Topic: Have Ibonds do we need Tips
Replies: 5
Views: 1043

Re: Feeling very fortunate today!

Mountain Man wrote:Weird thread.


Sure is.

I'm trying to figure out how a near-correction translates into working another year. If the OP were truly prepared mentally and financially, it shouldn't.
by feh
Fri Oct 17, 2014 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 70
Views: 10329

Re: Dry Powder

I exchanged bonds for equities yesterday. No need to have cash to buy on dips.
by feh
Thu Oct 16, 2014 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: Dry Powder
Replies: 49
Views: 3578

Re: Treasury Bonds falling through the floor

Munir wrote:Good day to sell bond funds and buy equity funds- also called rebalancing (or is it market timing) ? :happy


I'm considering doing just that. I have not hit my rebalancing band, but may still pull the trigger anyway.
by feh
Wed Oct 15, 2014 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: Treasury Bonds falling through the floor
Replies: 13
Views: 1425

Re: Relatively new here. What did you do in 2008/09

I didn't do anything in 2008/09. Would've rebalanced, but was 100% equities.
by feh
Tue Oct 14, 2014 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 130
Views: 10173

Re: Exchange FSIVX to FSGDX - OK for TLH?

Funny you should post this, as in the next hour or so I'll be replacing all of my FSIVX w/ FSGDX. I TLH'd out of FSGDX and into FSIVX 18 months ago. I'm less than happy with FSIVX because it doesn't contain any emerging markets. Due to the drop in ex-US equities the last 2-3 months, my cap gains are...
by feh
Fri Oct 10, 2014 1:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Exchange FSIVX to FSGDX - OK for TLH?
Replies: 3
Views: 217

Re: Why are my funds negative if stock market setting new hi

The only reason why I have been looking at the recent performance figures is I recently switched to the Boglehead way of investing and know that I won't get rich off it or poor (hopefully not) but rather a decent return . This is incorrect; what you will receive is market returns. They may be negat...
by feh
Thu Oct 09, 2014 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: Why are my funds negative if stock market setting new highs?
Replies: 21
Views: 3379

Re: How much is your fixed income investment earning?

Don't want to take the time to calculate it, but somewhere around 2.5%. Vast majority of our FI is total bond.
by feh
Wed Oct 08, 2014 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: How much is your fixed income investment earning?
Replies: 31
Views: 2875

Re: Penfed CDs up rates

ChosenGSR wrote:Holding fingers crossed for those 3% CDs later this year.


Yup. With CDs a little over 2%, I choose bonds instead.

I would be willing to go with the Navy Federal offer, but I'm not eligible.
by feh
Fri Oct 03, 2014 12:21 pm
 
Forum: Investing - Theory, News & General
Topic: Penfed CDs up rates
Replies: 11
Views: 3117

Re: fidelity v.s. vanguard

fatguy wrote:How to find the corresponding funds in fidelity?


http://www.bogleheads.org/wiki/Fidelity
by feh
Wed Oct 01, 2014 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: fidelity v.s. vanguard
Replies: 18
Views: 1794

Re: What SWR/expense multiple to use for early retirement pl

I think it depends on just how early one is retiring.

We are currently at 34x, planning on retiring in 18 months, at age 50 (although DW will continue to work for a couple years). I'm expecting that ratio to be more like 37x or 38x by then; I want to keep our expected WR between 2.5 and 3%.
by feh
Wed Oct 01, 2014 11:37 am
 
Forum: Investing - Theory, News & General
Topic: What SWR/expense multiple to use for early retirement plan?
Replies: 63
Views: 3391

Re: Will you invest in Bill Gross's new bond fund?

Sold PTTRX on Friday. Bought FSITX on Monday.
by feh
Tue Sep 30, 2014 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: Will you invest in Bill Gross's new bond fund?
Replies: 51
Views: 3046

Re: need for a backup credit card?

Thanks for the responses everybody. Looks like I'll be applying for the Fidelity AmEx. :happy
by feh
Tue Sep 30, 2014 7:28 am
 
Forum: Personal Finance (Not Investing)
Topic: need for a backup credit card?
Replies: 37
Views: 1702

need for a backup credit card?

My wife and I have only 1 CC - Priceline Rewards Visa, which provides 2% back.

My question is - is it sensible to have another card, just for backup purposes? Until a couple months ago, we had another Visa card, but it was canceled because we never used it.

Thanks.
by feh
Mon Sep 29, 2014 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: need for a backup credit card?
Replies: 37
Views: 1702

Re: Will Bill Gross beat the Total Bond Market Index?

Haha! Well I guess I got my answer! I'm now likely to move my bond allocation in my 401k to the index fund. Two years ago I was consolidating our portfolio, and had to decide what would comprise the FI portion. I couldn't ignore the performance of PTTRX, so I split our bonds between it and FSITX (F...
by feh
Sat Sep 27, 2014 8:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 57
Views: 6102

Re: Stubbornly Non-Boglehead Husband. What To Do?

However, I don't think the situation is nearly as dire as some posters seem to think! Please forgive us, but losing $500k in a month would leave a lot of us eating cat food. +1000 This is a matter of perspective. It boggles the mind that losing $500K did not result in immediate divorce proceedings,...
by feh
Thu Sep 25, 2014 12:45 pm
 
Forum: Investing - Theory, News & General
Topic: Stubbornly Non-Boglehead Husband. What To Do?
Replies: 122
Views: 8195

Re: Will Bill Gross beat the Total Bond Market Index?

PTTRX has been worth the extra expense in the past. Will it be in the future? Nobody knows...
by feh
Thu Sep 18, 2014 11:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 57
Views: 6102

Re: Where do I put my cash now?

JKPS wrote:I am reluctant to put that 5% in a stock fund only to find that the fund undergoes a "correction" that I anticipate.


Then continue to wait.

Or follow the advice that's been provided.
by feh
Thu Sep 18, 2014 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Where do I put my cash now?
Replies: 23
Views: 2609

Re: Inflation Bonds - Staying the Course?

Planning on retiring in 18 months. Currently have 0 TIPS, but plan on them being 20-25% of our bonds when I pull the plug.
by feh
Wed Sep 17, 2014 3:44 pm
 
Forum: Investing - Theory, News & General
Topic: Inflation Bonds - Staying the Course?
Replies: 43
Views: 3243

Re: Dave Ramsey: The Legacy Journey

I consider him a huckster. Stories like the OP's only strengthen that opinion.

All the methods/info people need to get out of debt is available for free. This web site is a fine example.
by feh
Tue Sep 16, 2014 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey: The Legacy Journey
Replies: 41
Views: 5866

Re: How much you need to save as multiple of salary

hillman wrote:I'm still new around here, but I believe the more important factor (from what I've read on this site) is the number of years of expenses you've saved.


+1000000

These articles that discuss multiples of income drive me nuts.
by feh
Tue Sep 16, 2014 11:33 am
 
Forum: Investing - Theory, News & General
Topic: How much you need to save as multiple of salary
Replies: 51
Views: 6543

Re: Should anyone invest in short-term bonds at this point?

I've done a lot of reading on bonds the past few months -- and I think I get the general idea that when yields go up, even though my index fund holding goes down in price, some of the bonds will come due, so the new bonds will have a higher yield, which helps my fund recoup the losses from the nav ...
by feh
Wed Sep 10, 2014 12:21 pm
 
Forum: Investing - Theory, News & General
Topic: Should anyone invest in short-term bonds at this point?
Replies: 46
Views: 4014

Re: Should anyone invest in short-term bonds at this point?

abyan wrote:Should they hold any short-term bonds at all, or rather just invest in CDs, ibonds, and online saving accounts (or intermediate bonds)?


I do all of the above, since there isn't a clear winner at the moment, IMO.

Just bought some VFSTX this morning.
by feh
Wed Sep 10, 2014 12:08 pm
 
Forum: Investing - Theory, News & General
Topic: Should anyone invest in short-term bonds at this point?
Replies: 46
Views: 4014

Re: Poll: Cash Holdings

Angst wrote:I'm not including any of what I call fixed income, so no I or EE bonds included, nor CDs.


+1

I consider short-term bonds, I Bonds and CDs as fixed income, not cash.
by feh
Tue Sep 09, 2014 12:28 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Cash Holdings
Replies: 65
Views: 3759

Re: Poll: Cash Holdings

I answered 0%, but I did not include our emergency fund. If that is included, I'm in the 1-4% category.
by feh
Tue Sep 09, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Cash Holdings
Replies: 65
Views: 3759

Re: cell phone for kids

Didn't get our son a cell phone 'til he was 14. No internet - just texting and phone calls.
by feh
Fri Sep 05, 2014 8:53 am
 
Forum: Personal Consumer Issues
Topic: cell phone for kids
Replies: 25
Views: 1325
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