Search found 666 matches

Return to advanced search

Re: The Three Fund Portfolio

I went with a three fund portfolio in my HSA (well, 4 to mix S&P 500 with mid-cap 80/20 to approximate the total market) and will do the same with retirement accounts. So simple, so effective, so peaceful.
by gvsucavie03
Sun Jan 18, 2015 9:20 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1036
Views: 471984

Re: Doing my taxes by hand

I also do the "by hand" thing. Takes a while the first time. Very doable, but be ready to do a lot of reading and researching through forms and publications. Now I can do our Federal, State and City taxes in about an hour or so, took several weekends the first year I did it.
by gvsucavie03
Sun Jan 11, 2015 5:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Doing my taxes by hand
Replies: 64
Views: 4895

Re: Doing my taxes by hand

Converting an IRA in a lower income year is smart to do of you're temporarily in the lower bracket and have the cash....
by gvsucavie03
Sun Jan 11, 2015 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Doing my taxes by hand
Replies: 64
Views: 4895

Re: HSA help

Actually, I found out that Health Equity (our main HSA custodian) has an option to purchase low-cost funds. They charge .033% per month for ythese funds (.396% per year) which is very close to what the others were charging anyway if you don't hold a checking account minimum, so I just went with them...
by gvsucavie03
Sun Jan 11, 2015 5:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA help
Replies: 18
Views: 2478

rebalancing with split domestic stock holding

When rebalancing, is it mainly stock/bond or all holdings? My HSA doesn't offer Total US Stock, so I approximate with S&P 500 and Mid-Cap 80/20. If that gets off-kilter, do you reset or is that the market as it lies anyway?
by gvsucavie03
Sat Jan 10, 2015 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: rebalancing with split domestic stock holding
Replies: 2
Views: 395

Re: Looking for low cost cell phone plans...

My wife and I have triple-minute Tracfones. $20 for a 60 (180) minute card and we can usually find a promo code online for another 30 bonus min. We refill maybe once every 2 months. Cheapest non-smart phone there is, IMO.
by gvsucavie03
Sat Jan 10, 2015 6:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for low cost cell phone plans...
Replies: 47
Views: 4255

Re: Who's buying Oil stocks?

mesaverde wrote:This thread reminds me of the wise saying: "Just because you can take a risk doesn't mean you should."


+1
by gvsucavie03
Sat Jan 10, 2015 1:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Who's buying Oil stocks?
Replies: 106
Views: 11381

Re: Who's buying Oil stocks?

I don't read anywhere in Bogle's books, Boglehead books or on the Wiki where it says single-stock speculation is smart. Maybe 5% at most if you have the itch, but this investor will not be scratching that itch.
by gvsucavie03
Sat Jan 10, 2015 11:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Who's buying Oil stocks?
Replies: 106
Views: 11381

Re: HSA question

The way my HSA investment account works is that I can buy/sell anytime and just have to pay commissions if I do something stupid. Otherwise, no commissions. Then to get the money out, I have to wait for the trade to settle and the funds to appear in the money market fund, only THEN can I manually t...
by gvsucavie03
Sat Jan 10, 2015 11:14 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA question
Replies: 2
Views: 274

HSA question

A colleague asked me about accessibility of funds in an HSA investment account. Say you incur an out-of-network expense beyond your deductible and need funds from the investment account (and you can't/choose not to pay it out of pocket), there's no penalty for withdrawal, correct? Just waiting a few...
by gvsucavie03
Sat Jan 10, 2015 10:57 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA question
Replies: 2
Views: 274

Re: Stacked up some more silver bullion today

IMO - the whole thing is speculative. I'll be buying 0% in commodities and precious metals. I work too hard for my money.
by gvsucavie03
Sat Jan 10, 2015 10:43 am
 
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 86
Views: 11156

Re: "Where to Invest in 2015"

Great confirmation that the principles outlined in the books/wiki are holding true. I guess that's why they call it a principle :wink:
by gvsucavie03
Sun Nov 30, 2014 11:28 am
 
Forum: Investing - Theory, News & General
Topic: "Where to Invest in 2015"
Replies: 19
Views: 2958

Re: Need more information

mikeski569: Why do you have a separate "Europe Index Fund" when Total International already holds the market weight in European stocks? Strive for simplicity. I wanted to be slightly overweigh in the European Market in terms of international exposure. Mikeski569: I don't mean to be "...
by gvsucavie03
Sat Nov 29, 2014 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Diversification and Rebalancing questions
Replies: 27
Views: 1752

Re: Do it yourself tax solutions? Should I just try turbotax

OK one more question: how do I know what forms I need to file? E.g., if I hadn't mentioned nondeductible IRA contributions (thus receiving advice that I need to file form 8606), how would I have found out? Would just going through the schedule corms eventually lead me to every form I need? Or do I ...
by gvsucavie03
Sat Nov 29, 2014 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do it yourself tax solutions? Should I just try turbotax?
Replies: 53
Views: 4166

Re: Do it yourself tax solutions? Should I just try turbotax

Morik wrote:I'm sure it will take me longer than an hour as I've never done my own taxes before. :)


First year is the longest, I had a lot to learn. I even found a credit my CPA missed. I've since learned a lot more about the income tax system than using software or a cpa.
by gvsucavie03
Sat Nov 29, 2014 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Do it yourself tax solutions? Should I just try turbotax?
Replies: 53
Views: 4166

Re: Diversification and Rebalancing questions

In regard to bonds and re-balancing: I ran a simulation using the data from my Vanguard Windsor II fund from 2008 thru 2013. The main feature of that time period is a horrifying drop followed by a long recovery. I tested allocations of 100/0, 80/20, 60/40, and 50/50 both with and without annual re-...
by gvsucavie03
Fri Nov 28, 2014 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Diversification and Rebalancing questions
Replies: 27
Views: 1752

Re: Do it yourself tax solutions? Should I just try turbotax

I may try to just do everything by hand... it doesn't seem horribly hard (I spent an hour looking over our 2013 return and following along on blank worksheets and forms online), just lots of details. This is how I do ours. Stay on top of the "What's new for 2014," the rest is simple math ...
by gvsucavie03
Fri Nov 28, 2014 7:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do it yourself tax solutions? Should I just try turbotax?
Replies: 53
Views: 4166

Re: The Three Fund Portfolio

LadyGeek wrote:I should mention that William Bernstein's book is a FREE download. See the wiki: Books: recommendations and reviews, 2nd paragraph.


Free for prime members, but .99 isn't much to complain about!
by gvsucavie03
Sat Oct 11, 2014 6:52 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1036
Views: 471984

Re: Vanguard: Has indexing gotten too big

susze wrote:Article from vanguard.

Am a little surprised that they talked about investing being a zero sum game. But maybe it helps make their case.



https://personal.vanguard.com/us/insigh ... ing-092014



Which article are you referring to?
by gvsucavie03
Thu Oct 02, 2014 4:54 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard: Has indexing gotten too big
Replies: 7
Views: 912

Re: Dave Ramsey: The Legacy Journey

Unfortunately most of the commments here are regarding Daves fpu, where the legacy journey is what to do to leave a legacy after you have done all of his baby steps, ie, completely debt free incLuding house, saving 15% or more toward retirement, children education payed for, etc. https://www.davera...
by gvsucavie03
Wed Sep 24, 2014 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey: The Legacy Journey
Replies: 41
Views: 6357

Re: Is having 100% large cap not diverse enough?

Read Taylor Larimore's 18-page thread about a Three-Fund portfolio (I realize yours has 4, but 2% doesn't move anything by much). You are just fine as along as you are comfortable with the allocation to stocks and bonds and US to Int. stocks. +1 to others who said you have more than large-cap... not...
by gvsucavie03
Wed Sep 24, 2014 6:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is having 100% large cap not diverse enough?
Replies: 49
Views: 4775

Re: Dave Ramsey: The Legacy Journey

My wife and I went to a Total Money Makeover Live event a year ago and, yes, it's a big commercial mixed with some content. All the same stuff he's preached for decades. My wife and I got in the car and looked at her and she said "so tell me what you really thought" and I replied "I'm...
by gvsucavie03
Wed Sep 24, 2014 6:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey: The Legacy Journey
Replies: 41
Views: 6357

Re: Investments for beginners.

Welcome! A beginner's worry is not the what to invest in, it's the how much do I invest each month/year. A simple target retirement fund in your 401(k)/Roth IRA is perfectly fine for 80% or more of investors. Glad to hear you are going to be free of debt! Congratulations! I suggest you start with th...
by gvsucavie03
Sun Sep 21, 2014 8:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investments for beginners.
Replies: 6
Views: 611

Re: Total Stock Market Index Fund Report

Bogleheads: Morningstar recently reported that only 8 of 1,144 funds with Analyst Ratings have beaten their category averages for at least ten straight years. Total Stock Market Index Fund is one of them! THE LONGEST WINNING STREAKS AMONG OUR RATED FUNDS Best wishes. Taylor As well as Fidelity and ...
by gvsucavie03
Wed Sep 17, 2014 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1036
Views: 471984

Re: T-Bills and The Three Fund Portfolio

I may have missed this in the 18 pages of this great thread, but where do t-bills fit into the 3-fund portfolio? Is it covered in TBM treasuries? I remember reading over and over in Bogle on Mutual Funds that they are an essential asset class. gvsucavieo3: In Bogle on Mutual Funds , Mr. Bogle offer...
by gvsucavie03
Wed Sep 17, 2014 11:57 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1036
Views: 471984

Re: The Three Fund Portfolio

I may have missed this in the 18 pages of this great thread, but where do t-bills fit into the 3-fund portfolio? Is it covered in TBM treasuries? I remember reading over and over in Bogle on Mutual Funds that they are an essential asset class. Have you seen the WIKI http://www.bogleheads.org/wiki/T...
by gvsucavie03
Tue Sep 16, 2014 9:28 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1036
Views: 471984

Re: Why Invest in Bonds in your early 30s?

What if you lose 30-50% of your life savings, will you just sit there and watch your hard earned money evaporate and say "no big deal, it will come back eventually..it may take 10 or 15 years, but it's ok."? Are you sure you will not panic and sell? If the answer is yes, then I say go for...
by gvsucavie03
Mon Sep 15, 2014 9:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Invest in Bonds in your early 30s?
Replies: 43
Views: 3906

Re: The Three Fund Portfolio

I may have missed this in the 18 pages of this great thread, but where do t-bills fit into the 3-fund portfolio? Is it covered in TBM treasuries? I remember reading over and over in Bogle on Mutual Funds that they are an essential asset class.
by gvsucavie03
Mon Sep 15, 2014 9:38 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1036
Views: 471984

Re: 100% Small and Value Tilting

I'm not saying 100% TSM, S&P, treasuries or anything else at all... gvsycavie Now why is that more of a stomach tester than the 40 year period when large growth stocks underperformed long Treasuries? All portfolios with risky assets will put investor stomachs to the test ---and that includes TSM...
by gvsucavie03
Sun Sep 14, 2014 9:50 am
 
Forum: Investing - Theory, News & General
Topic: 100% Small and Value Tilting
Replies: 72
Views: 5068

Re: 100% Small and Value Tilting

Had the investor started a SCV portfolio in 1985, s/he would be behind by a considerable margin to the overall market (all Large and Mid-Cap styles). FWIW starting in 85-13 TSM 11.3 and FF SV 13.3 And had the stomach to take that ride and be completely passive.... I'm sweating just thinking about it!
by gvsucavie03
Sun Sep 14, 2014 8:39 am
 
Forum: Investing - Theory, News & General
Topic: 100% Small and Value Tilting
Replies: 72
Views: 5068

Re: Investing $100

First, stop worrying about your FICO score and building credit. Focus on building your wealth. Cut up the credit card. Credit cards have absolutely nothing to do with net worth. Save 3-6 (maybe even 8) months of expenses in a liquid emergency fund. $100 doesn't get you far in the investment world. I...
by gvsucavie03
Sun Sep 14, 2014 8:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing $100
Replies: 15
Views: 1893

Re: 100% Small and Value Tilting

Well, S&P 500 funds track TSM very well, with a shade less return and a shade less risk. Both seem to track return vs risk very closely. So in the large cap case a few hundred stocks gives functionally as much diversification as a few thousand. I would expect it would take more small cap stocks...
by gvsucavie03
Sun Sep 14, 2014 8:23 am
 
Forum: Investing - Theory, News & General
Topic: 100% Small and Value Tilting
Replies: 72
Views: 5068

Re: 100% Small and Value Tilting

You really need to read Taylor's entire Three-Fund Portfolio thread... Changed my mind about a lot of things.

viewtopic.php?f=10&t=88005
by gvsucavie03
Sat Sep 13, 2014 5:27 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Small and Value Tilting
Replies: 72
Views: 5068

Re: 100% Small and Value Tilting

JonnyFive, in the end it comes down to this: there are smarter ways to invest. If this were really a good idea, almost all young investors would be doing it. The fact that you are asking is a sign that you don't know enough to invest in such a portfolio. Risk is even riskier when you don't understa...
by gvsucavie03
Sat Sep 13, 2014 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Small and Value Tilting
Replies: 72
Views: 5068

Re: 100% Small and Value Tilting

JonnyFive, in the end it comes down to this: there are smarter ways to invest. If this were really a good idea, almost all young investors would be doing it. The fact that you are asking is a sign that you don't know enough to invest in such a portfolio. Risk is even riskier when you don't understa...
by gvsucavie03
Sat Sep 13, 2014 2:22 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Small and Value Tilting
Replies: 72
Views: 5068

Re: Strong dollar = tilt international?

Consider it an opportunity to rebalance, not change course. It'll be completely different next year, in 5 years, 10, etc.
by gvsucavie03
Sat Sep 13, 2014 10:54 am
 
Forum: Investing - Theory, News & General
Topic: Strong dollar = tilt international?
Replies: 15
Views: 1566

Re: How much value can an advisor add for the average invest

Not enough to offset what they charge/churn. An average non-boglehead investor in a TR fund will do just fine... no babysitting required.
by gvsucavie03
Sat Sep 13, 2014 10:47 am
 
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 71
Views: 5273

Re: 100% Small and Value Tilting

Very dangerous my friend... And as mentioned above, you don't have a good exit strategy in 20-30 years if scv is doing poorly. All of that potential reward will be wiped out as you (hopefully) transition to FI.

Diversify!
by gvsucavie03
Sat Sep 13, 2014 10:29 am
 
Forum: Investing - Theory, News & General
Topic: 100% Small and Value Tilting
Replies: 72
Views: 5068

Re: Do i need to invest in bonds?

Diversify.... Don't lose your shirt!
by gvsucavie03
Sat Sep 13, 2014 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Do i need to invest in bonds?
Replies: 11
Views: 1141

Re: Help with allocation

Hopefully you will also realize that 80/20 is very aggressive for your age. I'm 33 and do "age -15" in bonds (about 20% bonds). A major market downtown poses substantial risk for you, especially without a lot of assets.
by gvsucavie03
Sat Sep 13, 2014 10:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with allocation
Replies: 6
Views: 595

Re: Personal Personal Taxes and Budget (Scenario Check)

Pay off the car today and rebuild the EF over the next couple months. You have plenty in Roth IRA contributions if you have a real emergency in the meanwhile. That frees up $470/mo. to help rebuild faster, too.
by gvsucavie03
Sat Sep 13, 2014 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Personal Taxes and Budget (Scenario Check)
Replies: 13
Views: 1170

Re: Do I invest or pay higher mortgage downpayment?

placeholder wrote:
gvsucavie03 wrote:In the example they have $200K more, but absolutely no guarantee...

Which is of course what I said in the very beginning but perhaps the exercise was useful to you in some fashion.


Glad we agree on something.
by gvsucavie03
Fri Sep 12, 2014 9:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Do I invest or pay higher mortgage downpayment?
Replies: 55
Views: 3527

Re: Do I invest or pay higher mortgage downpayment?

In the example they have $200K more, but absolutely no guarantee... they could also LOSE $200K. Not likely, but not impossible. Still saved $90K. You got me - the example does have an incorrect mental addition of $90K. Sorry. The risk of a complete loss still stands. Still, why would I pay a bank al...
by gvsucavie03
Thu Sep 11, 2014 7:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I invest or pay higher mortgage downpayment?
Replies: 55
Views: 3527

Re: Do I invest or pay higher mortgage downpayment?

Where did that 90k come from because that interest difference is already accounted for by the shorter amortization period (no one gives you a check for the 90k) although to be an accurate analysis you should have had a lower interest rate on the 15 year loan. True, but you did save almost $100,000....
by gvsucavie03
Thu Sep 11, 2014 5:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I invest or pay higher mortgage downpayment?
Replies: 55
Views: 3527

Re: Do I invest or pay higher mortgage downpayment?

the thinker - if returns end up being 5%, you were better off on a 15 year note.
by gvsucavie03
Wed Sep 10, 2014 4:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I invest or pay higher mortgage downpayment?
Replies: 55
Views: 3527

Re: Do I invest or pay higher mortgage downpayment?

Sure you can but that gets back into those "guaranteed" versus "expected" returns. Not sure I follow... 15-year versus 30-year mortgage is like a core principle of personal finance. Go with 15, save tens of thousands in mortgage interest, house is paid off much sooner. If you to...
by gvsucavie03
Wed Sep 10, 2014 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I invest or pay higher mortgage downpayment?
Replies: 55
Views: 3527

Re: Do I invest or pay higher mortgage downpayment?

You can't beat tens of thousands of dollars saved in interest on the 15 yr Sure you can but that gets back into those "guaranteed" versus "expected" returns. Not sure I follow... 15-year versus 30-year mortgage is like a core principle of personal finance. Go with 15, save tens ...
by gvsucavie03
Tue Sep 09, 2014 8:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I invest or pay higher mortgage downpayment?
Replies: 55
Views: 3527

Re: Do I invest or pay higher mortgage downpayment?

If you put down more, could you get a better mortgage rate? That 4.1% seems very high to me. However, if it is a jumbo, I don't know if it is high or not. Are you already committed to that mortgage rate or can you still shop around? I can still shop but that's the best I found from 3 different bank...
by gvsucavie03
Mon Sep 08, 2014 9:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I invest or pay higher mortgage downpayment?
Replies: 55
Views: 3527
Next

Return to advanced search