Search found 93 matches

by CnC
Mon Aug 14, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: All in stocks: Where to go now?
Replies: 24
Views: 2194

Re: All in stocks: Where to go now?

I can't think of any situation where I would sell unless a personal hardship happened during the crash. That hardship is a fair bit of my concern. I have about 6 months of normal living expenses in an emergency fund in cash. I'm torn on whether during a crash I would invest more because I might wan...
by CnC
Mon Aug 14, 2017 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: REIT
Replies: 52
Views: 3178

Re: REIT

I see REITs as a very interesting compliment to stocks. While they are more risky than bonds they have a very bond like dividend structure. I believe my reit portfolio is earning around 5.5% based on my initial investment. The values may increase or decrease but baring any correction bigger than 08 ...
by CnC
Mon Aug 14, 2017 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Where to invest after maxing out, with a twist
Replies: 10
Views: 1513

Re: Where to invest after maxing out, with a twist

We currently put quite a bit into our taxable account. Don't do what we did, just bank $2k a month untill you have over 200,000 in the bank/CDs then say wow... We need to invest. It was a good problem to have but it pushed our retirement back to likely 50 rather than 45 if we invested everything fro...
by CnC
Wed Aug 09, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Best worst and average 20 year gains for different allocations?
Replies: 2
Views: 388

Best worst and average 20 year gains for different allocations?

I have seen plenty of information on "average" yearly gains as well as best gains and biggest losses for various asset allocations. Example: https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations I am currently 31 with a 20ish year window to retirement. I an curious i...
by CnC
Tue Aug 08, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Selling company stock (90% of portfolio)
Replies: 31
Views: 2509

Re: Selling company stock (90% of portfolio)

Most would recommend keeping a low % in a "fun money" stock, you have a very high percentage. Ultimately it is up to you, but you have the opportunity to setup yourself with a paid off car, EF and get those retirement accounts really started. When I said IRA/ I assumed it would be a Roth do to inco...
by CnC
Fri Aug 04, 2017 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: 85/15 too aggressive at age 35?
Replies: 89
Views: 7840

Re: 85/15 too aggressive at age 35?

That is not how the math works... The .8% takes into account the 10% greater loss. Just like the return for the market is very rarely 10.1% despite that being the average an 80/20 investment rarely only beats a 60/40 investment by .8%. It will typically beat it by much more, but at max it may lose ...
by CnC
Fri Aug 04, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: 85/15 too aggressive at age 35?
Replies: 89
Views: 7840

Re: 85/15 too aggressive at age 35?

OP, Starting Net Worth $325,000 Annual Savings $55,000 Years Annual Return Rate 5 10 15 20 5.00% $718,701 $1,221,175 $1,862,473 $2,680,949 6.00% $744,963 $1,306,969 $2,059,060 $3,065,527 7.00% $772,120 $1,399,229 $2,278,781 $3,512,400 8.00% $800,195 $1,498,412 $2,524,321 $4,031,719 9.00% $829,212 $...
by CnC
Fri Aug 04, 2017 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Greenspan says Bond 'bubble' about to burst
Replies: 12
Views: 864

Re: Greenspan says Bond 'bubble' about to burst

I'm sure the bond bubble will burst... But, what exactly is the point? Say it is an absolute blood bath and bonds lost an unheard of 10% in 3-5 years you are at break even all but guaranteed. The majority of bond value derives from it's dividend growth not market growth so say you bought your bonds ...
by CnC
Thu Aug 03, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: 85/15 too aggressive at age 35?
Replies: 89
Views: 7840

Re: 85/15 too aggressive at age 35?

Rebalance at 40. But right now the upside out weighs the downside since you have time on your side.


We are 90+% stock at 30. But I also have a pension so I'm going to always be heavy in stocks since my pension is a fixed asset.
by CnC
Wed Aug 02, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: A poll: How much money do you want to retire?
Replies: 270
Views: 21174

Re: A poll: How much money do you need to retire?

I can't assume my pension in 0 it's too painful and my pension is too well funded. Our pension will cover 78% of my and dw expenses at 55 and has guaranteed 3% growth. Our SS added to our pension will cover 170% of our expenses at our current standard of living in future dollars. That being said we ...
by CnC
Wed Aug 02, 2017 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: how can we ensure our modified adjusted gross income stays under 186k
Replies: 8
Views: 1356

Re: how can we ensure our modified adjusted gross income stays under 186k

Remember you can always park 36,000 in tax deferred accounts so that you don't have to worry about that untill you are making over $200,000
by CnC
Tue Aug 01, 2017 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Is it stupid to consider a defined contribution cash balance pension as part of my bond allocation?
Replies: 18
Views: 1856

Re: Is it stupid to consider a defined contribution cash balance pension as part of my bond allocation?

Not stupid, IMO. In fact, I believe I first heard of this "rule of thumb" years ago from jane Bryant Quinn. It is also why I am comfortable with an investment portfolio at 80/15/5 at age 52. Please clarify... ⋅ Do you or do you not count your cash-balance retirement plan as part...
by CnC
Fri Jul 28, 2017 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: 10 years of Roth IRA contributions - to individual stocks
Replies: 10
Views: 1218

Re: 10 years of Roth IRA contributions - to individual stocks

I will also recommend selling apple and buying index funds but be thankful that your father didn't follow that advise.

Since 08 apple has absolutely crushed the s&p 500 over the last 10 years. But it's a dice throw if they will come close to matching the sp500 over the next 10.
by CnC
Fri Jul 28, 2017 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Imrf VAC too good to be true?
Replies: 6
Views: 596

Re: Imrf VAC too good to be true?

The 7.5% IS guaranteed no chance of loss, but no chance of anything better either. The only chance of loss is if the IMRF pension fund becomes insolvent (which at 90% funding seems highly unlikely at the moment). In the event of insolvency, all bets are off. I'm not sure what happens at that point....
by CnC
Thu Jul 27, 2017 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: "Timing the Market" / Deciding when to make along term purchase
Replies: 32
Views: 1701

Re: "Timing the Market" / Deciding when to make along term purchase

We don't recommend holding single stocks. We don't recommend sector funds. We prefer total-market funds over an S&P500 fund. We don't recommend market timing. ...don't say we don't recommend s&p 500 funds I would say well over half the people I have seen on these forums do not only hold tot...
by CnC
Thu Jul 27, 2017 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: "Timing the Market" / Deciding when to make along term purchase
Replies: 32
Views: 1701

Re: "Timing the Market" / Deciding when to make along term purchase

For 3,000 the psychological downsides of lump sum investing are not as bad as $300,000. I would go ahead and deposit it. The majority of the time you are best off investing it as soon as you can. If you wait for a pull back the new vally may very well be higher than the current market. My advice wou...
by CnC
Thu Jul 27, 2017 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Imrf VAC too good to be true?
Replies: 6
Views: 596

Re: Imrf VAC too good to be true?

I'm a part of the IMRF pension and have been contributing to the VAC for about 2.5 years. They current 7.5% is based on the assumed rate of return. It has remained constant for as long as IMRF has offered the VAC option, however with all the recent pension formula changes going on throughout the co...
by CnC
Thu Jul 27, 2017 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Imrf VAC too good to be true?
Replies: 6
Views: 596

Re: Imrf VAC too good to be true?

There is quite a bit of variation between 7% to 1/2%. Having the workers to self fund part of the pension obligations is a nice idea. However, this just reeks of desperation if you ask me. https://www.khanacademy.org/humanities/us-history/american-civics-parent/american-civics/v/illinois-pension-ob...
by CnC
Wed Jul 26, 2017 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Imrf VAC too good to be true?
Replies: 6
Views: 596

Imrf VAC too good to be true?

Now this is a little tounge in cheek but I wonder what the hook here is. I recently received a flier from imrf my pension plan informing me of VAC "voluntary Additional Contributions" This is a "savings account" that pays interest of currently 7.5% interest compounding yearly not...
by CnC
Wed Jul 26, 2017 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Dollar Cost Averaging Help
Replies: 37
Views: 2041

Re: Dollar Cost Averaging Help

I have roughly $400,000 that I have built up above and beyond my Emergency Fund that I am looking to invest. I am already maxing out my 401K and Roth IRA accounts so this is a TD Ameritrade Account. I am looking to invest in the Vanguard Total Stock Market Fund for this account. I am 38 years old. ...
by CnC
Wed Jul 26, 2017 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Dollar Cost Averaging Help
Replies: 37
Views: 2041

Re: Dollar Cost Averaging Help

To people saying lump sum does better 80% of the time over a 20-30 year time. So you are advising to do that. Remember that a 100% stock portfolio does does better than any kind of mixed portfolio +95% of the time yes you don't suggest that. This is more a philosophical question but one I struggle w...
by CnC
Tue Jul 25, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Tax implications for a family loan.
Replies: 8
Views: 491

Re: Tax implications for a family loan.

jebmke wrote:Like most crimes, it depends on what the intent was at the beginning. At this point, based on a posting on the internet, it appears the intent is for this to be a loan.


Crimes?
:confused

Where is the crime in loaning money?
by CnC
Tue Jul 25, 2017 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Tax implications for a family loan.
Replies: 8
Views: 491

Tax implications for a family loan.

Hey I was wondering what kind of tax implications I could get into if I were to give my brother in law a loan complete with interest rate and an x year payment plan. Also I realize there are numerous 'other' issues about loaning money to family, bad blood delinquent payments and so forth. I am not r...
by CnC
Thu Jul 20, 2017 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 162
Views: 8406

Re: Can anyone convince me I need international stock in my portfolio?

You don't NEED international stock. You also don't NEED stocks that start with the letter 'n'. But why would you exclude them? Has there ever been a time that international out performed the us markets? As always past performance and all that but, if we are supposed to completely ignore past perfor...
by CnC
Thu Jul 20, 2017 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Can anyone convince me I need international stock in my portfolio?
Replies: 162
Views: 8406

Re: Can anyone convince me I need international stock in my portfolio?

I don't really understand the concept if needing as much diversified as possible. That like saying you are holding too many good companies that perform too well. Make sure to add some terrible ones in there to balance it out. To me you are taking on additional risk to balance out other risk. But you...
by CnC
Wed Jul 19, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Working couple and social security questions.
Replies: 3
Views: 655

Re: Working couple and social security questions.

Ok thanks, darn was hoping the loophole was still there.
by CnC
Thu Jul 13, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Working couple and social security questions.
Replies: 3
Views: 655

Working couple and social security questions.

I am still pretty young so this is more of a informational question than one seeking advice. Hypothetical here. Say a man and wife of similar ages both worked until they were 55. The wife makes equal to slightly more than the husband. Could the man take his social security at 62 and the wife take ha...
by CnC
Thu Jul 13, 2017 3:09 pm
Forum: Investing - Theory, News & General
Topic: Hundreds laid off at Fidelity
Replies: 22
Views: 4311

Re: Fidelity layoffs

What does this have to do with your personal finance?
by CnC
Wed Jul 12, 2017 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Exchange 80+ stocks with capital gains for funds?
Replies: 25
Views: 2084

Re: Exchange 80+ stocks with capital gains for funds?

Hello board members, I currently own over 80 individual stocks in a taxable account, courtesy of a former advisor. All of these have long-term capital gains. The stocks include a lot of recognizable names along with some obscure companies. None of the stocks amount to more than 1.5% of my total por...
by CnC
Wed Jul 12, 2017 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Exchange 80+ stocks with capital gains for funds?
Replies: 25
Views: 2084

Re: Exchange 80+ stocks with capital gains for funds?

I know the "boggelhead way" is to keep no individual stocks and only own index's. But isn't there a point that it goes from being a wise asset choice to becoming a fanatical religious belief? It seems like 80 stocks across different sectors that have all produced considerable gains are tre...
by CnC
Tue Jul 11, 2017 10:43 pm
Forum: Investing - Theory, News & General
Topic: Investors flock to Vanguard funds, dump Goldman, Wells Fargo, and others
Replies: 35
Views: 3435

Re: Market watch article about Vanguard funds today

I wanted to know how many employees they are hiring to handle this influx of cash?? It may be the reason they recommend the same 3 or 4 fund advice over and over to their clients as mentioned earlier in this forum Maybe some of the former Fidelity employees (just laid off) can check with Vanguard f...
by CnC
Tue Jul 11, 2017 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard recommended Retirement allocation too simple?
Replies: 70
Views: 6541

Re: Vanguard recommended Retirement allocation too simple?

Ok ... Excellent/Insightful feedback. Thanks all! My takeaways: - 50/50 Equities/Bonds is appropriate - Recommended VG Stock Index funds are well diversified and appropriate - Recommended VG International Bond fund might be too heavily weighted if not outright wrong (i will investigate further) - S...
by CnC
Tue Jul 11, 2017 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Investing a Windfall
Replies: 10
Views: 1757

Re: Investing a Windfall

Wow these guys are pretty down on the whole marriage thing. :|

I had never heard that you can get an inheritance while married and keep it 100% in the event of a divorce.
by CnC
Mon Jul 10, 2017 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard recommended Retirement allocation too simple?
Replies: 70
Views: 6541

Re: Vanguard recommended Retirement allocation too simple?

Placing 25% of a retirement portfolio (and 50% of the fixed income portion) in an investment grade total bond fund that has a longer duration and lower credit quality than total bond market, a yield that is over 70% lower and that includes among other risks including emerging market bonds utterly f...
by CnC
Mon Jul 10, 2017 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Stop contributing to 529 on 50% chance grandparents pay
Replies: 42
Views: 3007

Re: Stop contributing to 529 on 50% chance grandparents pay

I'll weigh in in opposition to some of the others here and say I wouldn't put another dime into it. The reason, I to am an Illinois Resident and I wouldn't trust my state with the money in my child's Piggy bank let alone their entire education fund. This was in 2012. I'm not sure if it has been bank...
by CnC
Mon Jul 10, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: 457b Contribution Window?
Replies: 3
Views: 214

Re: 457b Contribution Window?

I'm 95% sure all 457/401k plans are calendar year.

I know my 457 is.
by CnC
Mon Jul 10, 2017 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: I inherited an IRA and small windfall, what to do now ?
Replies: 6
Views: 944

Re: I inherited an IRA and small windfall, what to do now ?

I think he misspoke himself saying put all taxable into bonds, or at least I'm assuming so. If you are looking for the traditional 3 fund approach I suggest you put all of your money into one imaginary pot and see where it comes out. Then balance your allocations based off of your total net worth ra...
by CnC
Mon Jul 10, 2017 11:21 am
Forum: Investing - Help with Personal Investments
Topic: (Almost) every day I make a financial mistake more costly than the day before
Replies: 57
Views: 7286

Re: (Almost) every day I make a financial mistake more costly than the day before

Agreement with most people here. DCA your money.


20% per year for 5 years. It will likely lower your total final returns a bit, but the insurance of not putting 1m in today and losing 400k next week will not be there.
by CnC
Sun Jul 09, 2017 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: How much lag behind the DOW/SP500 is acceptable in a well constructed portfolio?
Replies: 23
Views: 1142

Re: How much lag behind the DOW/SP500 is acceptable in a well constructed portfolio?

Would love to see the 30 year source material for returns. Honestly would I can't find mixed asset performance over past 30 years anywhere. https://www.portfoliovisualizer.com/backtest-asset-class-allocation Some other posters are great at taking images and posting them here--I am not great. But yo...
by CnC
Sun Jul 09, 2017 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: How much lag behind the DOW/SP500 is acceptable in a well constructed portfolio?
Replies: 23
Views: 1142

Re: How much lag behind the DOW/SP500 is acceptable in a well constructed portfolio?

One of Paul Merriman's recent podcasts discusses this. A well diversified portfolio should never perform the same as the S&P500 year in and year out, but over the longer term should do as well if not better. This is incredibly frustrating when the S&P 500 is on a multiyear tear. But it is i...
by CnC
Sun Jul 09, 2017 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: How much lag behind the DOW/SP500 is acceptable in a well constructed portfolio?
Replies: 23
Views: 1142

Re: How much lag behind the DOW/SP500 is acceptable in a well constructed portfolio?

One of Paul Merriman's recent podcasts discusses this. A well diversified portfolio should never perform the same as the S&P500 year in and year out, but over the longer term should do as well if not better. This is incredibly frustrating when the S&P 500 is on a multiyear tear. But it is i...
by CnC
Sun Jul 09, 2017 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: How much lag behind the DOW/SP500 is acceptable in a well constructed portfolio?
Replies: 23
Views: 1142

Re: How much lag behind the DOW/SP500 is acceptable in a well constructed portfolio?

To the op here is a great bit of info.

https://personal.vanguard.com/us/insigh ... llocations


100% bonds lost money 14/90 years 5.4%

100% stocks lost money 25/90 years and averaged 10.1%

Remember bonds can lose you money the same way stocks can, it's just a lower risk.
by CnC
Sun Jul 09, 2017 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: How much lag behind the DOW/SP500 is acceptable in a well constructed portfolio?
Replies: 23
Views: 1142

Re: How much lag behind the DOW/SP500 is acceptable in a well constructed portfolio?

One of Paul Merriman's recent podcasts discusses this. A well diversified portfolio should never perform the same as the S&P500 year in and year out, but over the longer term should do as well if not better. This is incredibly frustrating when the S&P 500 is on a multiyear tear. But it is i...
by CnC
Sat Jul 08, 2017 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Retire at 55 on $41K/yr fixed pension with $1MM portfolio?
Replies: 26
Views: 6419

Re: Retire at 55 on $41K/yr fixed pension with $1MM portfolio?

No, we are suggesting a scenario that could include the OP spending more than claimed. Combined with the scenario of a recession, or two or three or more during his remaining years (perhaps a black swan or two as well), and possible scenario that includes cuts in SS & socialized health programs...
by CnC
Fri Jul 07, 2017 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Retire at 55 on $41K/yr fixed pension with $1MM portfolio?
Replies: 26
Views: 6419

Re: Retire at 55 on $41K/yr fixed pension with $1MM portfolio?

With health care costs for the 55-65 early-retiree range such a big unknown I know no one can definitively say yeah or nay, but I did want to get some feedback on my situation. I’ll be eligible for early (55) retirement next spring after working at megacorp for 31+ years and for various reasons, it...
by CnC
Fri Jul 07, 2017 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: Retire at 55 on $41K/yr fixed pension with $1MM portfolio?
Replies: 26
Views: 6419

Re: Retire at 55 on $41K/yr fixed pension with $1MM portfolio?

You're fine. You can even afford a pet. I am hoping for a Fluffy and maybe a Spot a year or so into retirement I'm looking at the same situation, only in 20 years I think you are golden. Say realistically you underestimate your expenses and they end up at $40k rather than 32k and your health insura...
by CnC
Fri Jul 07, 2017 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: SSA.gov calculator doesn't seem to make sense.
Replies: 18
Views: 934

Re: SSA.gov calculator doesn't seem to make sense.

I did that with a conservative 2.75% raise and it bumped my estimate to $4177.00 a month. That's nearly 80% of my current wages. Is that reasonable or did I do something wrong?. That pay increase is not reasonable. If you are like the typical worker, there will be years of zero increase, some years...
by CnC
Fri Jul 07, 2017 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: SSA.gov calculator doesn't seem to make sense.
Replies: 18
Views: 934

Re: SSA.gov calculator doesn't seem to make sense.

2retire wrote:Providing the link to the alternate calculator may help people give you an answer.


:oops:

You are right. It was on the same website.


https://www.ssa.gov/planners/retire/AnypiaApplet.html
by CnC
Fri Jul 07, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: SSA.gov calculator doesn't seem to make sense.
Replies: 18
Views: 934

Re: SSA.gov calculator doesn't seem to make sense.

Perhaps one estimate is in 2017 dollars and the other in 2050 dollars. Yes I am assuming the $1400 figure was in 2017 dollars with no raise forcasted. I just was a bit blown away by the idea that between my wife and I we will have the potential of receiving $100,000 a year from social security even...
by CnC
Fri Jul 07, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: SSA.gov calculator doesn't seem to make sense.
Replies: 18
Views: 934

SSA.gov calculator doesn't seem to make sense.

If anyone here has any experience with social security future dollars I would like some help. I am putting together a spread sheet of my finances and plans for retirement. I'm 31 so retirement is little more than a pipe dream at the moment but it does one good to have goals. My problem is when I log...