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Re: Portfolio Check: 32 yrs old, going to rebalance to 78/22

Please post using the suggested format... we need to know what percentages you allocate to each account (not just current holdings), your tax rate, etc. First glance - you have a ton of your portfolio in taxable (including International which isn't recommended on this forum). You might want to bump ...
by gvsucavie03
Tue Apr 22, 2014 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Check: 32 yrs old, going to rebalance to 78/22
Replies: 9
Views: 660

Re: "Cookie Cutter Portfolios Are (Usually) Just Fine"

Cookie Cutter Portfolios Are (Usually) Just Fine The one "tilt" he doesn't use in his 5, 6 or 8-fund portfolios is an Intermediate-Term Corporate Bond fund... I saw the M*/Bogle interview video that I think Mel Lindauer posted where Bogle thought Intermediate Corp. Bonds could make up for...
by gvsucavie03
Mon Apr 21, 2014 9:25 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 749
Views: 258326

Re: looking at the 3 fund approach....2.3% 5 yr return ???

Hi take a look at this fund Vanguard Lifestyle Aggressive Growth https://investor.vanguard.com/mutual-funds/lifestrategy/#/mini/overview/0122 Scroll to bottom of page for the 5 year return How did you put a 3 fund portfolio together? i.e. what percent stocks, bond, short term reserves? I'd assume a...
by gvsucavie03
Sun Apr 20, 2014 8:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: looking at the 3 fund approach....2.3% 5 yr return ???
Replies: 19
Views: 2352

Re: looking at the 3 fund approach....2.3% 5 yr return ???

You are looking at this through the wrong lens. I was a performance numbers person for a long time until I found this forum and read several of the recommended books. As an indexer, your performance is based on the market returns minus your expense ratio proportional to you fund holdings. If you are...
by gvsucavie03
Sun Apr 20, 2014 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: looking at the 3 fund approach....2.3% 5 yr return ???
Replies: 19
Views: 2352

Re: POLL: why carry cash?

Our parish uses a website called FaithDirect that allows people to tithe with credit cards. That just brings up a whole host of issues beyond this thread. Going in debt to tithe, or worse allowing your congregation the OPPORTUNITY to go into debt to tithe.... wow. That's...quite a leap. Maybe. I've...
by gvsucavie03
Sat Apr 19, 2014 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 220
Views: 7056

Re: POLL: why carry cash?

Several distinct reasons come to mind: 1) Credit cards aren't accepted everywhere (e.g. I often end up in SF's Chinatown where cash predominates) 2) Cash is easier for informal transactions (e.g Craigslist) and pooling of bills at restaurants. 3) Seems obvious to me that people overspend when using...
by gvsucavie03
Sat Apr 19, 2014 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 220
Views: 7056

Re: POLL: why carry cash?

Who does that? I don't do anything with receipts. We just look at the credit card bill and recognize the charges. I do, and I suspect a large majority of folks on this forum do, too. We like to plan and account for our spending. I don't like looking up at the end of the month and see if things went...
by gvsucavie03
Sat Apr 19, 2014 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 220
Views: 7056

Re: POLL: why carry cash?

richard wrote:http://www.lmgtfy.com/?q=credit%20card% ... nk%20food# The first link I find shows that credit card users buy more junk food, which is a classic "correlation is not causation" issue.


"Empirical study credit card users spend more than with cash"...
by gvsucavie03
Sat Apr 19, 2014 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 220
Views: 7056

Re: POLL: why carry cash?

richard wrote:E-Z pass is faster, especially if there are toll booth attendants for cash. Toll plazas dont' take credit cards, as midareff writes.


Good point. I live in north-central Michigan where there isn't a toll booth until you hit the Mackinac Bridge! Not sure if they take Amex :happy
by gvsucavie03
Sat Apr 19, 2014 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 220
Views: 7056

Re: POLL: why carry cash?

richard wrote:Again, do you have a citation?


Where have you been?

Go to google.com, type "empirical study credit card users spend more than with cash"

Here's one I found from MIT - http://web.mit.edu/simester/Public/Pape ... vehome.pdf
by gvsucavie03
Sat Apr 19, 2014 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 220
Views: 7056

Re: POLL: why carry cash?

sscritic wrote:Time for my Saturday morning donut run with my dirty money.


Just wash your hands before you eat the donut :wink: And try not to lick the bills :moneybag
by gvsucavie03
Sat Apr 19, 2014 9:47 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 220
Views: 7056

Re: POLL: why carry cash?

midareff wrote:Outside of a toll plaza on a highway or bridge who doesn't take a cc?


Chucking change while not even coming to a complete stop is DEFINITELY faster.... of course, if you're using time savings as an argument to use cash or cc. Using a cc at a toll booth seems pretty ridiculous.
by gvsucavie03
Sat Apr 19, 2014 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 220
Views: 7056

Re: POLL: why carry cash?

Behavioral economics experiments show that people behave more honestly and make more prudent decisions when they use cash. An example of the former is that when students were getting cash for completing puzzles they were cheating much less than when they were receiving a token retrievable for cash ...
by gvsucavie03
Sat Apr 19, 2014 9:39 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 220
Views: 7056

Re: POLL: why carry cash?

Garage sales. But, there's enough smart phone card apps to make it unnecessary today. Parking meters (coins). There is a card solution for these too, but the cards can only be bought in obscure locations in the city right now. I don't see our society going completely cashless in the near future. Th...
by gvsucavie03
Sat Apr 19, 2014 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 220
Views: 7056

Re: POLL: why carry cash?

cheese_breath wrote:+1 It takes me at least 15 seconds per CC receipt to reconcile them to my monthly statement.


Or you lose one and don't find out until the monthly statement comes and there are outstanding expenses unaccounted for :x
by gvsucavie03
Sat Apr 19, 2014 9:19 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 220
Views: 7056

Re: POLL: why carry cash?

sscritic wrote:But just think of the delight the children of those who never use cash have when they open their piggy banks and find 25 credit cards stuffed inside!


LOL

But they'll be disappointed that they can't get their cocaine with it...
by gvsucavie03
Sat Apr 19, 2014 9:15 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 220
Views: 7056

Re: POLL: why carry cash?

I think time savings is the silliest excuse of all to pay with a credit card... 15 seconds, really? Is your livelihood/standard of living based on a measly 15 seconds? Wow... And to the person who posted that they lose their change... seriously? Do you have holes in your pockets? The cashier at the ...
by gvsucavie03
Sat Apr 19, 2014 9:10 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 220
Views: 7056

Re: HSA funds

I suppose you could complain, but they probably won't change due to the unbelievable hassle it must be to drop fund offerings and transfer folks' funds that are already invested. Move it over to ELFCU once you have the $2,500 minimum, get your commission-free ETFs set up in the TD Ameritrade account...
by gvsucavie03
Fri Apr 18, 2014 10:36 am
 
Forum: Investing - Theory, News & General
Topic: HSA funds
Replies: 2
Views: 266

Re: New Member, help with portfolio please.

It would be nice to add a rental house or two to supplement income in the future but I am nowhere near able to swing that yet. So another taxable account at a different firm (Vanguard?) may not be a bad idea. Just have to figure out what fund to invest in, VTSAX perhaps? Decisions, decisions... Or ...
by gvsucavie03
Fri Apr 18, 2014 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: New Member, help with portfolio please.
Replies: 6
Views: 911

Re: Lost $10K in my investments past few months

I feel (and a lot of other BH's feel) the only sector you should ever "tilt" towards is REITs. Otherwise, small caps, TIPS and Short/Intermediate Corporate Bonds and that's pretty much it. Everything else is much too volatile and risky. One major change in law for the Biotech firms and you...
by gvsucavie03
Tue Apr 15, 2014 9:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lost $10K in my investments past few months
Replies: 36
Views: 4356

Re: New Member, help with portfolio please.

I definitely think you're on the right track. This forum recommends about 6-8 months of expenses in an emergency fund (some say higher), you could think about getting that a little higher than just 3. I'd personally pay off the car debt especially as fast as I could, then raise the EF. The Roth coul...
by gvsucavie03
Tue Apr 15, 2014 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Member, help with portfolio please.
Replies: 6
Views: 911

Re: New Member, help with portfolio please.

What is your desired asset allocation?
by gvsucavie03
Mon Apr 14, 2014 8:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Member, help with portfolio please.
Replies: 6
Views: 911

Re: 401k Investment Options

my EJ advisor talked me into putting it into the market You should fire this person, too and get a few books if you haven't read anything yet. I strongly recommend "Boglehead's Guide to Investing," "Little Book of Common Sense Investing," and "Common Sense on Mutual Funds.&...
by gvsucavie03
Wed Apr 09, 2014 7:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Investment Options
Replies: 12
Views: 487

Re: 401k Investment Options

Thanks gvsucavie03. I understand what you are saying about having a lot of money in company stock, but I'm not really sure what I could do about it. If I recall correctly, a portion of our bonus, 401k match, etc. is given to us as company stock. I'd have to dig through my benefits package to look a...
by gvsucavie03
Wed Apr 09, 2014 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Investment Options
Replies: 12
Views: 487

Re: 401k Investment Options

The company I work for has been in business for over 125 years, and I do not foresee that changing any time soon. This is still incredibly risky. I have never read any investing advice that says to own more than 10% of your portfolio in company stock. I think this is still too much risk. You not on...
by gvsucavie03
Wed Apr 09, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Investment Options
Replies: 12
Views: 487

Re: 401k Investment Options

If you wish to increase bonds as you age (I would), you could systematically move some of your 401(k) to the Black Rock bond index.
by gvsucavie03
Wed Apr 09, 2014 3:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Investment Options
Replies: 12
Views: 487

Re: What is risk tolerance?

longinvest wrote:I think that risk tolerance is not simply a human emotion; I think that it takes into account the ratios of salary, time horizon, and portfolio size.


+1
by gvsucavie03
Wed Apr 09, 2014 3:14 pm
 
Forum: Investing - Theory, News & General
Topic: What is risk tolerance?
Replies: 12
Views: 554

Re: 401k Investment Options

**Roth IRA - just go with Total Bond Market Index fund (VBMFX).... I misread your Roth IRA percentage earlier and realized it was only 13% of your total portfolio....
by gvsucavie03
Wed Apr 09, 2014 3:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Investment Options
Replies: 12
Views: 487

Re: 401k Investment Options

Emergency funds: $10,000. Debt: Home Loan About $140k @ 3.75% Tax Filing Status: Single Tax Rate: 25% Federal, 0% State State of Residence: Texas Age: 30 Desired Asset allocation: I'm not sure Desired International allocation: I'm not sure I currently have a little over $100k in my accounts. Curren...
by gvsucavie03
Wed Apr 09, 2014 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Investment Options
Replies: 12
Views: 487

Re: What is risk tolerance?

Your emotional ability to choose an asset allocation that you will stick to NO MATTER WHAT HAPPENS LATER ON. As the name implies, it's your own ability to tolerate certain market and financial risks. You come up with an allocation of stock and bond holdings, decide how that will change (or not) as y...
by gvsucavie03
Wed Apr 09, 2014 2:44 pm
 
Forum: Investing - Theory, News & General
Topic: What is risk tolerance?
Replies: 12
Views: 554

Re: First post - retirement questions

In this situation, my suggestion would be to think of your retirement funds as being two buckets. The first bucket needs to last you from the start of retirement until you start drawing SS. That is money that you want to have pretty conservatively invested. That might be about $350K that you would ...
by gvsucavie03
Wed Apr 09, 2014 8:39 am
 
Forum: Investing - Help with Personal Investments
Topic: First post - retirement questions
Replies: 6
Views: 1087

Re: First post - retirement questions

Your asset allocation is whatever can survive the "sleep" test... if you lose sleep because it is too aggressive (or even too conservative), you should change it to match your desires, goals, fears, and risk tolerance. Always remember, a loss on paper is not realized unless you sell. The m...
by gvsucavie03
Tue Apr 08, 2014 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: First post - retirement questions
Replies: 6
Views: 1087

Re: HSA help

verysiberian wrote:What's not to love?


The annual fee and .08% charged to purchase mutual funds... you can go to ELFCU for no fee and purchase commission-free Vanguard ETFs in a TD Ameritrade account.
by gvsucavie03
Tue Apr 08, 2014 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA help
Replies: 16
Views: 1914

Re: HSA help

Ended up going with ELFCU for HSA. I held off posting until I completed the entire process of signing up, submitting my contribution, opening the brokerage link to TD Ameritrade, and buying commission-free ETFs. Pretty smooth process. You have to open a savings account. No minimum requirements asid...
by gvsucavie03
Tue Apr 08, 2014 8:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA help
Replies: 16
Views: 1914

Re: How are you preparing for the coming bear market

Longtimelurker wrote:Isn't the whole point of the boglehead philosophy, setting an AA to match your need and ability to take risk, to prepare for a bear market?! Seems like a very silly question.


Exactly. I'm doing what my IPS says... same asset allocation, same rebalancing, keep saving, do nothing, repeat.
by gvsucavie03
Mon Apr 07, 2014 8:45 am
 
Forum: Investing - Theory, News & General
Topic: How are you preparing for the coming bear market
Replies: 104
Views: 7850

Re: "20 Largest Stock Mutual Funds"

Excellent!

I watched a bunch of Bogle interviews on youtube.... what an incredible story from getting fired from Wellington to where he took Vanguard to where he is today.
by gvsucavie03
Sun Apr 06, 2014 8:28 pm
 
Forum: Investing - Theory, News & General
Topic: "20 Largest Stock Mutual Funds"
Replies: 1
Views: 587

Re: Should I see Frozen?

Definitely lived up to the hype. Good movie, excellent music.
by gvsucavie03
Sun Apr 06, 2014 8:14 am
 
Forum: Personal Consumer Issues
Topic: Should I see Frozen?
Replies: 16
Views: 1791

Re: Manually underwritten mortgage/emergency fund question

I don't believe they look at retirement accounts, although I could be wrong. Do you have other liquid money somewhere (savings, money market, cds, etc)? If all you have is a $1000 pad in checking, then you probably shouldn't have a mortgage. Your realtor probably knows a mortgage broker, get in tou...
by gvsucavie03
Tue Apr 01, 2014 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Manually underwritten mortgage/emergency fund question
Replies: 4
Views: 423

Manually underwritten mortgage/emergency fund question

My wife and I will likely do a manually underwritten mortgage as first-time home buyers. As the mortgage company sees it, would having "emergency fund" money in a Roth IRA (above our $1,000 "pad" in checking) hurt our chances at getting a premium rate? Is this money deemed ill-li...
by gvsucavie03
Tue Apr 01, 2014 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Manually underwritten mortgage/emergency fund question
Replies: 4
Views: 423

Re: HSA transfer (Health Equity to Vanguard)

I just read on another BH thread found on Google that you need to maintain a $2,500 checking balance. The Elfcu welcome kit says "initial start-up balance" of $2,500... do you have to always have $2,500 to use their TD Ameritrade account? The other thread is wrong. The $2,500 opens up the...
by gvsucavie03
Sun Mar 30, 2014 7:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA transfer (Health Equity to Vanguard)
Replies: 29
Views: 1693

Re: HSA transfer (Health Equity to Vanguard)

Also, just read an article from the other thread on this (http://thefinancebuff.com/best-hsa-provider-for-investing-hsa-money.html). He states that to start an HSA account at ELFCU, you just need $2,500 at the initial start-up and donate $5 to a charity. Virtually identical investment options, for v...
by gvsucavie03
Sun Mar 30, 2014 7:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA transfer (Health Equity to Vanguard)
Replies: 29
Views: 1693

Re: HSA transfer (Health Equity to Vanguard)

Does it then make sense to just use HSA Bank and stick with it? I'd pay more initially for HSA Bank, but save long-term when the account grows in value. Is my conclusion accurate? Don't limit yourself to only those two choices. Elfcu gives you the same setup as HSA Bank without the $66 fee. I just ...
by gvsucavie03
Sun Mar 30, 2014 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA transfer (Health Equity to Vanguard)
Replies: 29
Views: 1693

Re: Which Bond Fund(s)?

Please list all of your bond fund choices, ER's and ticker symbols.
by gvsucavie03
Sun Mar 30, 2014 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund(s)?
Replies: 8
Views: 756

Re: Reinvest Dividends or Use those Funds to Rebalance?

GV, Thanks. No, I will only add money to those taxable accounts if I have funds leftover after maxing out my ROTH TSP and IRAs. As yearly rebalancing approaches, one option I just thought of is to make a temporary contribution allocation adjustment to my TSP if my desired AA gets out of whack (5/25...
by gvsucavie03
Sun Mar 30, 2014 12:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest Dividends or Use those Funds to Rebalance?
Replies: 11
Views: 669

Re: Reinvest Dividends or Use those Funds to Rebalance?

I would think the compounding of reinvested dividends exceeds the hassle and tax implications of a rebalance (and probable sale of some shares) each year. Since you aren't allocating new money to your taxable accounts (or didn't list on your edited OP), you're only left to either use the dividends o...
by gvsucavie03
Sun Mar 30, 2014 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest Dividends or Use those Funds to Rebalance?
Replies: 11
Views: 669

Re: Reinvest Dividends or Use those Funds to Rebalance?

I assume the funds in a taxable account now?
by gvsucavie03
Sun Mar 30, 2014 11:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Reinvest Dividends or Use those Funds to Rebalance?
Replies: 11
Views: 669

Re: HSA transfer (Health Equity to Vanguard)

Bumping this old post because the conclusion I came up with didn't quite make sense.... Recap - we have Health Equity and I would like to invest outside of their bad options. I would do this each January when my school district deposits that year's deductible to avoid Health Equity's fees for transf...
by gvsucavie03
Sun Mar 30, 2014 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA transfer (Health Equity to Vanguard)
Replies: 29
Views: 1693

Re: Dave Ramsey on Bonds

A digression from the current thread, but certainly related... I've been offered to take over a section of "Personal Finance" - a course taught at my school (actually offered as a math credit) when the current teacher retires. This is the Dave Ramsey high school curriculum. I've listened t...
by gvsucavie03
Sun Mar 30, 2014 10:53 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey on Bonds
Replies: 17
Views: 3495

Re: Dave Ramsey on Bonds

We also need to remember that nearly all of Dave's "analysis" for selecting mutual funds is performance-based. On that notion, of course he would only recommend equities over bonds. He says his advice is principle-based and financially sound, but most if not all of us on this forum would a...
by gvsucavie03
Sat Mar 29, 2014 10:14 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey on Bonds
Replies: 17
Views: 3495

Oldie, but a goodie [Article: John Bogle on index funds]

I looked up this article when reading Common Sense on Mutual Funds - mentioned in chapter 5 "On Indexing." Great article from Money Magazine throwing their hands up and saying "Bogle Wins."

http://money.cnn.com/magazines/moneymag ... /index.htm
by gvsucavie03
Sat Mar 29, 2014 9:56 am
 
Forum: Investing - Theory, News & General
Topic: Oldie, but a goodie [Article: John Bogle on index funds]
Replies: 6
Views: 501
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