Search found 323 matches

by Artisan
Wed Apr 11, 2018 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: NY (HCOL area) - 32(Him) and 31(Her) - Invest in 457 for "early" retirement?
Replies: 12
Views: 1079

Re: NY (HCOL area) - 32(Him) and 31(Her) - Invest in 457 for "early" retirement?

So you think I should stop my 403b contributions completely and only use the 457 right now? Besides expense ratios, are there any other fees that the NYS DCP has that my 403b might not? Iwas thinking this for the three funds: NYSDCB Equity Index (US stock market), ER 0.0084% International Equity Fu...
by Artisan
Wed Apr 11, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Alternative website for those in lower tax brackets?
Replies: 59
Views: 5212

Re: Alternative website for those in lower tax brackets?

And if one doesn't start threads for those in lower tax brackets, then whose fault is that? :) This needs to be repeated. It is exactly my thoughts. I don't want to sound rude, but really the forums here are responsive with great information if you just ASK. I'm glad you do not want to sound rude. ...
by Artisan
Mon Apr 09, 2018 2:38 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 11326

Re: What is your AA, given your age? and, Why?

We are 60% stock + or - 5 % (15-20% in international), 40% fixed income assets (bond funds, stable value funds, CDs and cash) I'm early 50's and my husband is late 50's. He retired last year and I will work another two years, then do part time for a few after that. His pension will cover > 100% of o...
by Artisan
Tue Jan 09, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: A newb question about using Fin planner
Replies: 43
Views: 1717

Re: A newb question about using Fin planner

I don't know why you refuse to accept the good advise you have asked for here. :oops: 1) This financial guy, friend of a friend, only takes on big accounts, etc ... it is extremely unlikely you are going to get better returns on your investment then investing in a few index funds. Financial guys, no...
by Artisan
Mon Jan 08, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Trusts for adult Children
Replies: 203
Views: 10906

Re: Trusts for adults Children

Have not read the other posts but will weigh in on your questions .... Depending on child, it is fairly common in my experience to have them receive principal outright in 1/3 increments at ages 25, 30, and 35. In the meantime the funds can be accessed as needed for health, education, maintenance an...
by Artisan
Mon Jan 08, 2018 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Re-investing retirement $
Replies: 4
Views: 477

Re: Re-investing retirement $

I would only reinvest if you are really sure you aren't going to pull it out again if the market heads south or you "feel" another correction is looming. Usually when people make changes like this it is because their asset allocation is to heavily weighted to stocks. What's your age, current asset a...
by Artisan
Mon Jan 08, 2018 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Stopped reinvesting dividends - which bonds to use instead?
Replies: 3
Views: 527

Re: Stopped reinvesting dividends - which bonds to use instead?

Getting ready to turn off reinvesting dividends from my stock funds, and instead using that money to buy "bonds". Currently AA is 67/33 and creeping higher by the day. I know there are many (thousands?) of posts on the merits of various bond funds, but I still would appreciate a succinct answer (or...
by Artisan
Mon Jan 08, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Trusts for adult Children
Replies: 203
Views: 10906

Re: Trusts for adults Children

I'll agree that just because there is no divorce in my family doesn't mean it won't happen. I was having a conversation with my kids about pre-nuptials and I could see the eyes starting to roll. Both of our parents stayed married but on my side there was a nasty fights among my aunts when their mom ...
by Artisan
Sun Jan 07, 2018 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Help go from cash to 50/50 AA
Replies: 16
Views: 1425

Re: Help go from cash to 50/50 AA

Based on what you wrote, I don't know if you are a good candidate for a 50/50 portfolio. It has a moderate amount of risk for your age. Why do you think future word headlines about the economy, politics etc will not cause you to make extreme changes to your portfolio like they did in 2016? I think ...
by Artisan
Sun Jan 07, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Trusts for adult Children
Replies: 203
Views: 10906

Re: Trusts for adults Children

Thanks everyone for all the responses so far. A lot to think about for sure. Something that peaked my interest in this thread was the tax treatment. One poster mentioned that anything above $12,500 gets taxed at the maximum tax rate. Another said it is taxed at the trustees income tax rate. I don't...
by Artisan
Sun Jan 07, 2018 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Help go from cash to 50/50 AA
Replies: 16
Views: 1425

Re: Help go from cash to 50/50 AA

I would greatly appreciate this forums advise on moving about $4M from FI/ cash to 50/50 AA. Some background: I'm 62 have about $4M in investable assets; $2.5M taxable and $1.5M tax deferred/qualified. I'm employed, earn about $200-$250K per year and have a $200K mortgage against a house valued aro...
by Artisan
Sun Jan 07, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Trusts for adult Children
Replies: 203
Views: 10906

Re: Trusts for adults Children

Thanks everyone for all the responses so far. A lot to think about for sure. Something that peaked my interest in this thread was the tax treatment. One poster mentioned that anything above $12,500 gets taxed at the maximum tax rate. Another said it is taxed at the trustees income tax rate. I don't...
by Artisan
Sun Jan 07, 2018 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Trusts for adult Children
Replies: 203
Views: 10906

Re: Trusts for adults Children

Thanks everyone for all the responses so far. A lot to think about for sure. Something that peaked my interest in this thread was the tax treatment. One poster mentioned that anything above $12,500 gets taxed at the maximum tax rate. Another said it is taxed at the trustees income tax rate. I don't...
by Artisan
Sun Jan 07, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Trusts for adult Children
Replies: 203
Views: 10906

Re: Trusts for adults Children

Thanks everyone for all the responses so far. A lot to think about for sure. Something that peaked my interest in this thread was the tax treatment. One poster mentioned that anything above $12,500 gets taxed at the maximum tax rate. Another said it is taxed at the trustees income tax rate. I don't ...
by Artisan
Sat Jan 06, 2018 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Earning with your hands vs. investing
Replies: 9
Views: 1153

Re: Earning with your hands vs. investing

I think you answered your own question. She is content and has what she needs.
by Artisan
Sat Jan 06, 2018 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Is now not a good time to start investing?
Replies: 36
Views: 2930

Re: Is now not a good time to start investing?

I understand your trepidation. But if you search this forum, you will wish you had a dollar for every thread that reiterates what you had said. At some point you just have to take a leap of faith. You either buy into to what you have read here or you don't. If you don't (and there is nothing wrong w...
by Artisan
Sat Jan 06, 2018 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Check out this Portfolio Allocation! Is it too crazy? Thanks!
Replies: 7
Views: 492

Re: Check out this Portfolio Allocation! Is it too crazy? Thanks!

Agreed. The enemy of a good plan is the dream of a perfect plan.

3 Fund Portfolio, Total Stock, Total International Stock and Total Bond.

If you don't want international leave it out and go two fund.

If you want more "safety" increase the bond allocation.

Simple and it works.
by Artisan
Sat Jan 06, 2018 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody recommend a good equity fund?
Replies: 22
Views: 1520

Re: Anybody recommend a good equity fund?

Hey bogleheads, question does anybody recommend a good equity fund? so far I have like $1100 invested in vffvx " 2055" and was thinking of maybe buying Vanguard Equity Income Fund Investor Shares (VEIPX) but buy slowly as I do not currently have $3000 to buy at once. Definitely would prefer a 90% s...
by Artisan
Sat Jan 06, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Trusts for adult Children
Replies: 203
Views: 10906

Trusts for adult Children

I was reading another thread about trusts/trustees and it brought to mind this topic which has been on my mind. Although we are still fairly young and in good health, we have prepared wills, POA, health care proxies, instructions, etc. We have two adult children both in their early twenties. They ar...
by Artisan
Wed Jan 03, 2018 12:54 am
Forum: Investing - Help with Personal Investments
Topic: Age In Bonds after 65 with 25X, 35X, 50X ??? Your Approach?
Replies: 35
Views: 3078

Re: Age In Bonds after 65 with 25X, 35X, 50X ??? Your Approach?

Notwithstanding "Bobcat2"s "Funded Ratio", I have noticed a variety of approaches to the Age In Bonds rule of thumb depending on the size of the retirement portfolio once retiring or in retirement. I'm not sure if there is a pattern to this and if it is based on the assets far exceeding what is nee...
by Artisan
Wed Nov 15, 2017 9:29 am
Forum: Investing - Theory, News & General
Topic: Shiller's Concern on Passive Investing
Replies: 10
Views: 1678

Re: Shiller's Concern on Passive Investing

I did watch it. In fact I just watched it again. It is unclear in his response if his "chaotic" remark refers to the market or to indexing, IMO.

Regardless, I stand by my comments based on my "intellect". Not because I disagree with him.
by Artisan
Wed Nov 15, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: Shiller's Concern on Passive Investing
Replies: 10
Views: 1678

Re: Shiller's Concern on Passive Investing

I am sure Mr. Shiller is a very smart man. I watched the video with the Yale School of Business Management banner prominently in the background. IMO he came off smug and condescending. A lot of other very smart people have been wrong: Alan Greenspan, the principals of Long Term Capital Management, e...
by Artisan
Wed Nov 15, 2017 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Roll Over from a 403b to a 401a
Replies: 2
Views: 207

Roll Over from a 403b to a 401a

A question for a friend of mine: "I have a 403b from a prior job I no longer contribute to. I wanted to roll it in to my new employer's 403b. The retirement plan adminsitrator says I cannot roll it into the new 403b but I can roll it into our 401a which is 100% employer contributions which make no s...
by Artisan
Tue Aug 22, 2017 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Hopefully on the right track, noob question
Replies: 7
Views: 648

Re: Hopefully on the right track, noob question

Thank you, I updated the first post with a more detailed break down. What makes a mutual fund worth a $3,000 min vs let's say SWYJX which as no min required? The fund's worth is not related to a minimum investment. Some funds set a minimum to discourage small volume short term traders from buying a...
by Artisan
Sat Aug 05, 2017 6:25 am
Forum: Investing - Theory, News & General
Topic: Greenspan: Look Out When Bonds Pop
Replies: 58
Views: 9463

Re: Greenspan: Look Out When Bonds Pop

I think Mr. Greenspan likes to be obtuse and to have people try to parse out what he means in every statement he makes.

He may be a bright, articulate and skilled economist but his crystal ball is as cloudy as anyone's.
by Artisan
Sat Aug 05, 2017 6:22 am
Forum: Investing - Help with Personal Investments
Topic: When to sell Vanguard Target Retirement 2055 Fund Shares?
Replies: 15
Views: 2261

Re: When to sell Vanguard Target Retirement 2055 Fund Shares?

What you are describing is market timing. It doesn't work. The purpose of a target date fund like the 2055 is that it starts out with a higher percentage in stocks and gradually decreased the stock percentage and increases the percentage of bonds over time. The only thing you need to do is nothing!
by Artisan
Thu Jun 29, 2017 1:16 pm
Forum: Investing - Theory, News & General
Topic: Does Jack Bogle have a conundrum on his hands?
Replies: 63
Views: 5428

Re: Does Jack Bogle have a conflict of interest?

I would prefer to hear the interview then read someone's summary of it. I don't need someone to come to a conclusion for me, I can do that on my own.

The whole supposition is self serving.
by Artisan
Thu Jun 29, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: Does Jack Bogle have a conundrum on his hands?
Replies: 63
Views: 5428

Re: Does Jack Bogle have a conflict of interest?

Here's another example of this struggle, one that appears in this thread by way of a post from a well-respected Boglehead: simplesauce: Paul Merriman wrote: " Compare the audience for Bogle's recommendations to ours ." Bogleheads can compare Mr. Merriman's " Fund Advice " portfolio HERE. Best wishe...
by Artisan
Thu Jun 29, 2017 8:09 am
Forum: Investing - Theory, News & General
Topic: Time in the market is more important, But seriously ?
Replies: 60
Views: 8878

Re: Time in the market is more important, But seriously ?

Hi As I have read Mr Bogles book, i am well aware of his quote " Time in the market is more important than timing the market" however, with almost every analyst predicting that we are at a peak and at all time highs , is the current market situation , an exception -- ? Meaning , I am about to place...
by Artisan
Sat Jun 24, 2017 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for relative with mostly cash and 7-10 years to retirement?
Replies: 25
Views: 2525

Re: Advice for relative with mostly cash and 7-10 years to retirement?

I don't know how you have determined that 75% cash is not sufficient. Do you know what their yearly expenses are, what percentage of those expenses are met by social security, pensions, other sources of income. There are many things that need to be considered before an asset allocation is determined...
by Artisan
Fri Jun 09, 2017 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: (Very) Early Retirement vs Parenthood
Replies: 74
Views: 6529

Re: (Very) Early Retirement vs Parenthood

Anyone who isn't completely sure they want to be parents shouldn't even consider it. Certainly not anyone who uses the words ambivalent and children in the same sentence. The way you list the pros and cons sent shivers up my spine. I'm sorry if I seem judgmental. One of my daughters had a life threa...
by Artisan
Thu Jun 01, 2017 8:15 pm
Forum: Investing - Theory, News & General
Topic: What makes a Conservative BHer? for retirement purposes
Replies: 16
Views: 1835

Re: What makes a Conservative BHer? for retirement purposes

The only way you can determine what is conservative or aggressive is in the rear view mirror. When "what is" becomes "what was" then will know. Until then it's more crystal ball gazing, looking at historical statistics and extrapolating them forward. 30 -40 years from now we will know, but only for ...
by Artisan
Thu Jun 01, 2017 8:12 pm
Forum: Investing - Theory, News & General
Topic: What makes a Conservative BHer? for retirement purposes
Replies: 16
Views: 1835

Re: What makes a Conservative BHer? for retirement purposes

My question would be "why do I care"? :confused This is one of those things that is completely subjective (what is conservative for one might be aggressive for someone else).... and in the end why does it matter? Why do we need to "label" things? All I need to know is whether I believe I will have ...
by Artisan
Thu Jun 01, 2017 7:11 pm
Forum: Investing - Theory, News & General
Topic: How do you fight the urge to micromanage?
Replies: 57
Views: 5396

Re: How do you fight the urge to micromanage?

I have found that some are just prone to tinkering. Education helps but some can't seem to avoid touching things better left alone. I have never agreed with those who say don't look. The ones who can avoid looking probably don't need to and the ones who should can't help but look. Perhaps just try t...
by Artisan
Thu Jun 01, 2017 8:52 am
Forum: Investing - Help with Personal Investments
Topic: New here, selling my businesses, need advice.
Replies: 9
Views: 1369

Re: New here, selling my businesses, need advice.

Welcome and congrats on selling your businesses. Take your time and do some reading and learning. I would do something like this: 1. Set aside a 1 year Emergency Fund (Ally or Capital One 360 (or similar) making 1 to 1.1% 2. Pay off any debts (cars, student loans, boats, etc) 3. Set aside 30% of th...
by Artisan
Wed May 31, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Advice please: investment portfolio assets allocation for a late beginner
Replies: 4
Views: 638

Re: Advice please: investment portfolio assets allocation for a late beginner

I think your equity allocation is too high for your age. The best way to make up for lost time is to save more, not to have a more aggressive allocation. If you are beginning, you have never experienced a severe market downturn with a lot of money invested. You may think you will stay the course but...
by Artisan
Wed May 31, 2017 6:20 am
Forum: Investing - Theory, News & General
Topic: "Mind the Gap 2017"
Replies: 14
Views: 2393

Re: "Mind the Gap 2017"

Thanks for posting Taylor.
by Artisan
Wed May 31, 2017 6:09 am
Forum: Investing - Help with Personal Investments
Topic: Predicted 4% return over next decade. What do you do now?
Replies: 71
Views: 8465

Re: Predicted 4% return over next decade. What do you do now?

Some people tilt to small cap value, some feel it won't really matter much as far as returns. You should set your asset allocation based on your IPS (Investment Policy Statement). Since you are quoting Mr. Bogle you should note that he also says that you have to be willing to "accept what the market...
by Artisan
Mon May 29, 2017 9:25 am
Forum: Investing - Theory, News & General
Topic: DON'T pay off your mortgage; instead reduce Sequence of Return Risk
Replies: 206
Views: 19437

Re: DON'T pay off your mortgage; instead reduce Sequence of Return Risk

I have an easier and WAY more logical approach. It is the common sense approach of 1. Have enough in principle stable investments to match one's monthly liabilities and 2. ADAPT to the situation. It is no different then one needing to adapt to their investment plan during the accumulation period wh...
by Artisan
Fri May 26, 2017 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio 100% in VTSAX for first 5 years of my career?
Replies: 18
Views: 2048

Re: Portfolio 100% in VTSAX for first 5 years of my career?

I think you'll get responses from yes 100% is fine to 100% is too high, you should always have a certain percentage of bonds. My personal opinion is I wouldn't go above 80% equity funds. But it just that, my opinion. Much less volatility and you capture most of the potential return of 100% stocks. I...
by Artisan
Tue May 23, 2017 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Help Investing With 401(a)
Replies: 2
Views: 325

Re: Help Investing With 401(a)

What you suggested as a portfolio is actually excellent. That would give you 70% stock, 30% bonds which is very reasonable for you age. 10% international is a little less then 20% in international. Most here (who invest in international stock funds) suggest anywhere from 20% - 50% of your stock port...
by Artisan
Sun May 21, 2017 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Before I do the Portfolio Review...(Update: Portfolio Review. Ha.)
Replies: 12
Views: 1139

Re: Before I do the Portfolio Review...(Update: Portfolio Review. Ha.)

Also late to the party and also agree with Retiredjg. No reason I can see to use brokerage link. Also you aren't that late to investing and you seem to have no debt outside your mortgage. Great job :) Your desired allocation to stocks and bonds is within the range most would consider reasonable for ...
by Artisan
Fri May 19, 2017 8:06 am
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 15601

Re: For those with $500k-$1m in investments...

Interesting thread....5 -6 years ago on this forum if you had over 50% in tax deferred you were an outlier, but as you can see that is not true today. Philosophy tended to be " Don't go into retirement owing all that money" I am 90% tax deferred, retired 12 years. Was 80% tax deferred when retired....
by Artisan
Fri May 19, 2017 7:59 am
Forum: Investing - Help with Personal Investments
Topic: I am a huge believer in Passive Indexing.. but.....
Replies: 42
Views: 4239

Re: I am a huge believer in Passive Indexing.. but.....

Posing this on the Bogleheads forum is going to yield Boglehead type advice.

Keep the play money at 5% or sell it, take the hit and invest it in index funds.

/yawn.
by Artisan
Fri May 19, 2017 6:20 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371581

Re: U.S. stocks in freefall

a 1.5% decline is a freefall? LOL.. Transferred funds to Vanguard today. Purchasing more VTSAX and VTIAX tomorrow. Thanks Jack Bogle. Seriously, 1-2% is an event??? I think so. It's a all relative to what you consider common I suppose. I have a 45 year horizon until I start withdrawing, but I still...
by Artisan
Fri May 19, 2017 6:16 am
Forum: Investing - Help with Personal Investments
Topic: Convince me to get back into stocks!
Replies: 83
Views: 7938

Re: Convince me to get back into stocks!

Well you have certain received enough responses to "convince you" I am perplexed why people new to investing think they know better. There are enough books and articles and interviews by notables like John Bogle, Warren Buffet and many others to learn that what you suggest is not the way to invest. ...
by Artisan
Thu May 18, 2017 6:15 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371581

Re: U.S. stocks in freefall

a 1.5% decline is a freefall? LOL..

Transferred funds to Vanguard today.

Purchasing more VTSAX and VTIAX tomorrow.

Thanks Jack Bogle.
by Artisan
Thu May 18, 2017 6:10 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 15601

Re: For those with $500k-$1m in investments...

We have about 40% taxable/60% tax deferred. We recently payed off our mortgage so it was probably closer to 50/50..
by Artisan
Wed May 17, 2017 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Millenial getting into the game: asset allocation
Replies: 19
Views: 2354

Re: Millenial getting into the game: asset allocation

Welcome to the forum. I applaud your early start. Your plan seems excessively complicated especially with a small sum. As others I would suggest a 3 fund portfolio: Total Stock Market Total International Stock Market Total Bond Market If you want to add REITs go ahead but I don't think it adds anyth...
by Artisan
Wed May 17, 2017 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Article: "Our emergency fund is exactly $0.00"
Replies: 73
Views: 9254

Re: Article: "Our emergency fund is exactly $0.00"

I agree that blog writers write articles to draw attention to their site. I think that is the third or fourth article where he writes on that topic. I prefer ones that don't paint people who disagree with their "opinions" as bozos and idiots. I think it is a good thing to have an emergency fund. It ...