Search found 294 matches

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: 1651

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: 4213

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: 1334

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...
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: 1334

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 ...
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: 4166

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: 1064

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: 420

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: 1947

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: 6625

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 m...
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: 15343

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: 1382

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: 197

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: 864

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: 12969

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 whe...
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: 3335

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: 3513
Views: 916950

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: 5984

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 t...
by Artisan
Thu May 18, 2017 6:15 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3513
Views: 916950

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: 12969

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: 1670

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: 7701

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...
by Artisan
Wed May 17, 2017 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Mini Milestone 100K
Replies: 19
Views: 1632

Re: Mini Milestone 100K

That's a big accomplishment. You should be proud of it!
by Artisan
Sun May 14, 2017 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: strategy when putting cash back into market
Replies: 9
Views: 1063

Re: strategy when putting cash back into market

Even given historically high P/E ratios and possible interest rate hikes the market may still continue to climb.
DCA is fine but if the money was already invested you should just put it back to work.

Otherwise you are market timing despite what you want to call it.
by Artisan
Sun May 14, 2017 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Pre-retirement Advice Requested
Replies: 18
Views: 1640

Re: Pre-retirement Advice Requested

Congratulations on your impending retirement. I think your best course of action may be to make up a list of all the questions you have and present them to the collective wisdom here on the forum. You can use the format in the sticky at the top of this section of the forum. If you hVE unanswered que...
by Artisan
Fri May 12, 2017 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Always looking to learn.
Replies: 6
Views: 600

Re: Always looking to learn.

It is easier to say you will add more to your portfolio when the market drops 50% then to actually do it, Have you had large sums invested in the market when it dropped that much? Until you have, you cannot be sure what you will do. There are plenty who advocate 100% stocks for younger people but I ...
by Artisan
Fri May 12, 2017 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Trouble sticking to a plan
Replies: 19
Views: 2004

Re: Trouble sticking to a plan

The issue is that most people say they want a hands off approach but in reality they want/need to tinker. I agree some people may enjoy tinkering. But I think we should at least be clear that there is nothing wrong with NOT tinkering, and that not tinkering can in fact be very smart. Absolutely in ...
by Artisan
Fri May 12, 2017 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: New to vanguard...and everything investing-
Replies: 9
Views: 610

Re: New to vanguard...and everything investing-

[quote="Leftover40oz"]I'm not sure about taxes? I'm a union worker so I have a pension and annuity and stuff but this is a side savings account....plan is to put 500 a month into it to start then I'll learn along the way when it starts becoming a serious amount[ /quote] I suggest you start...
by Artisan
Fri May 12, 2017 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Trouble sticking to a plan
Replies: 19
Views: 2004

Re: Trouble sticking to a plan

Although target date funds may seem like the solution to some behavioral issues in investing I'm sure it isn't a solution for everyone. For those who want a hands off approach they provide a good alternative for little extra costs. The issue is that most people say they want a hands off approach but...
by Artisan
Wed May 10, 2017 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Need to Rebalance - Newly Retired
Replies: 9
Views: 888

Re: Need to Rebalance - Newly Retired

i would like to be 40% stocks. i would like to begin investing $2,000 monthly for the long term into a fund. which fund or funds do you recommend? thank you. How quickly do you want to go from your current allocation to 40% stocks? Any international? If there is no timetable you could invest the $2...
by Artisan
Tue May 09, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Need to Rebalance - Newly Retired
Replies: 9
Views: 888

Re: Need to Rebalance - Newly Retired

We are a married couple, both 57 years old No debt/home paid off, value $280,000 Status: File Jointly Tax Bracket 25% 5% Both retired from Government; CSRS retirement system; receive a combined monthly pension of $8,400. No other income Current Allocation: His TSP - $385,000 (currently all G fund) ...
by Artisan
Sun May 07, 2017 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor- Need guidance- High Income Investment Options
Replies: 10
Views: 1145

Re: New Investor- Need guidance- High Income Investment Options

Welcome. I would suggest you edit your post and include the information in the format recommended in this post: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 We need to see what that actual expense ratios of your choices are in your work retirement accounts. Even when fees are higher...
by Artisan
Thu May 04, 2017 12:20 pm
Forum: Investing - Theory, News & General
Topic: Ted Seides "Why I lost My Bet With Warren Buffett" - Bloomberg
Replies: 64
Views: 6961

Re: Ted Seides "Why I lost My Bet With Warren Buffett" - Bloomberg

He took the bet to get publicity. End of story.

If he could consistently beat Warren Buffet I'd have heard of his name before the bet.

People will believe his nonsense. Sigh.....
by Artisan
Thu May 04, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Income has increased drastically! What to do now?
Replies: 18
Views: 2301

Re: Income has increased drastically! What to do now?

Open a table investment account and continue to invest according to your ISP.
by Artisan
Thu May 04, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Confidence in NY state pension, 403b, 457
Replies: 16
Views: 1172

Re: Confidence in NY state pension, 403b, 457

Neglecting the partisan politics......

403b is a good place to put your money. 7% return is a great fixed income investment at the present time.
by Artisan
Wed May 03, 2017 6:36 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review, new to investing.
Replies: 8
Views: 951

Re: Portfolio review, new to investing.

I'll share with you a quote by William Bernstein from his investment pamphlet, "If you can"... "If you act on the assumption that every broker, insurance salesman, mutual fund salesperson, and financial advisor you encounter is a hardened criminal, you will do just fine" I sugges...
by Artisan
Sun Apr 30, 2017 7:31 pm
Forum: Investing - Theory, News & General
Topic: Best source for investment news?
Replies: 52
Views: 4350

Re: Best source for investment news?

IF I work my way through Taylor's Gems, I will be looking for other sources of investment information :)

Most of what is out there in the wild world is hype and a waste of time.

Livesoft linked a safe withdrawal rate series from earlyretirementnow.com which has been interesting.
by Artisan
Sun Apr 30, 2017 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park 200k cash for 2-5 years
Replies: 24
Views: 3452

Re: Where to park 200k cash for 2-5 years

Best rate you can find on a 5yr CD with the lowest early withdrawal rate you can find. About 2.3% unless you are eligible due to work or geography for a limited few other credit unions paying slightly more. If you cannot afford to lose principal that is the best you will do. If you want a better ret...
by Artisan
Sat Apr 29, 2017 3:07 pm
Forum: Investing - Theory, News & General
Topic: Bogle on "On The Money" this morning
Replies: 8
Views: 2105

Re: Bogle on "On The Money" this morning

I like his last line.

"Half the time I wonder why I have so much in stocks and the other half the time I wonder why I have so little"

That's me!

Thanks for the link.
by Artisan
Sat Apr 29, 2017 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Need more investments?
Replies: 25
Views: 2058

Re: Need more investments?

I'm confused. Your monthly income is $7,000/month and your pension will be $7,000 month? 100% pension's are rare. Are those numbers correct?
by Artisan
Fri Apr 28, 2017 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Is now a good time to invest?
Replies: 10
Views: 843

Re: Is now a good time to invest?

I am rolling a 401K from a previous job to an IRA. It is around $100K. Given that the market is really up, should I stay in cash or invest? I am thinking of going for a Vanguard or BlackRock target mutual fund. Thanks. Is it invested in cash now? If you didn't roll it over would you have sold and w...
by Artisan
Fri Apr 28, 2017 6:49 am
Forum: Investing - Help with Personal Investments
Topic: Newbie investor hoping for portfolio advice
Replies: 12
Views: 963

Re: Newbie investor hoping for portfolio advice

Hi all, First of all, thanks to the amazing community that make this forum so helpful! My husband and I are in the transition period out of our medical residencies and will have more investment opportunities coming our way soon. We were hoping for some advice on how to maximize our current assets a...
by Artisan
Fri Apr 28, 2017 6:37 am
Forum: Investing - Help with Personal Investments
Topic: Retirement income for 50+ years?
Replies: 167
Views: 14989

Re: Retirement income for 50+ years?

Here is an excerpt from a Business Insider article: "....If an investor stayed fully invested in the S&P 500 from 1995 through 2014, they would've had a 9.85% annualized return. However, if trading resulted in them missing just the ten best days during that same period, then those annualize...
by Artisan
Wed Apr 26, 2017 8:22 am
Forum: Investing - Theory, News & General
Topic: "When Holding is the Hardest Part"
Replies: 10
Views: 1714

Re: "When Holding is the Hardest Part"

Thanks for the link Taylor.

A good short read packed with much wisdom.
by Artisan
Wed Apr 26, 2017 6:51 am
Forum: Investing - Help with Personal Investments
Topic: Retirement income for 50+ years?
Replies: 167
Views: 14989

Re: Retirement income for 50+ years?

I've never understood why someone would come to a forum that proposes a certain method of doing something, take a contrary view and then look for confirmation of their contrary view. What you are suggesting is a market timing strategy. It doesn't work for most. Maybe you will be the one it will work...
by Artisan
Tue Apr 25, 2017 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: What am I missing?
Replies: 2
Views: 354

Re: What am I missing?

I think you should pride yourself on the fact that you educated yourself enough to know you could do better on your own. How much that lesson "cost" isn't really that important. You are never going to win the argument that they charge too much. Move on and chalk it up to a life experience ...
by Artisan
Sun Apr 23, 2017 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Please Help a 36 Yr Old With $7m+ Portfolio
Replies: 83
Views: 14986

Re: Please Help a 36 Yr Old With $7m+ Portfolio

….. I am really glad to hear some conservative views about this bloated market ….. Thanks RAchip - I'm so glad to hear some voices of reason [confirmation bias]. ….. Ha! Ha! No one can predict the future. I do not see any problem for someone who does not need to take risks in their investments to n...
by Artisan
Sat Apr 22, 2017 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for Investing Advice
Replies: 5
Views: 572

Re: Looking for Investing Advice

Your goals are vague so it is hard to give you guidance. As stated above, money needed for the short term (5-10 years or less) should not be invested in stocks. Consider CD's, online savings accounts, short term bond funds perhaps. 90/10% is extremely aggressive for someone who proclaims not to know...
by Artisan
Sat Apr 22, 2017 7:15 am
Forum: Investing - Help with Personal Investments
Topic: No clue where to start
Replies: 9
Views: 1096

Re: No clue where to start

I am very interested in investing and I am so glad I found this forum. I am 43. ( I know, I know its kinda late but atleast I am starting somewhere) I have read the Bogleheads guide to investing twice just because the first time I read it I felt like I was learning French all over again. I have che...
by Artisan
Fri Apr 21, 2017 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Reallocation Request
Replies: 18
Views: 1399

Re: Portfolio Reallocation Request

Greetings Bogleheads. I am a long time investor who started gambling with options back in the 80’s but learned over time that “cost effective” is the way to go. I am 60 years old and have recently retired with a pension that is satisfactory to cover all of my living expenses for the foreseeable fut...
by Artisan
Thu Apr 20, 2017 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Young family portfolio review
Replies: 4
Views: 570

Re: Young family portfolio review

Welcome to the forum :) I've answered some questions and I am sure wiser minds will be a long shortly to provide additional information. Him: 27 Her: 25 Children: 3 & 1 Household income: $130K gross Tax Rate: Fed = 25%, State = 0% State: TX EF: Yes ($20K in savings account) Debt: Mortgage 1= $21...

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