Search found 72 matches

by Crisium
Thu Nov 09, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 151
Views: 12759

Re: How old are you and how much do you save for retirement a year

30, and it depends. Only really started in 2016. From 2012-2015 combined I saved less than $6k total. So that was a $1.5k per year start! I managed $15,000 in 2016 but a lot of that is due to shifting cash I sat on over the years. On pace for about $12k this year. Goal is $14k next year based on ant...
by Crisium
Wed Nov 01, 2017 8:42 am
Forum: Investing - Help with Personal Investments
Topic: My 401k is almost all cash now. 1/2 Mil
Replies: 89
Views: 8859

Re: My 401k is almost all cash now. 1/2 Mil

It is very possible the stock market will never be as low as 2011 again in your entire lifetime. It is also possible it won't even be as low as early 2016 when you fully bailed out. Just like, so far, despite the market reaching then all time highs in 1996 and 1997 ("irrational exuberance" and 1929 ...
by Crisium
Fri Oct 27, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Ally 12-month CD
Replies: 5
Views: 1248

Re: Ally 12-month CD

Thanks for the heads up.
by Crisium
Sun Oct 22, 2017 10:14 am
Forum: Investing - Theory, News & General
Topic: New Schwab Index Fund - SCHK, better than SCHB?
Replies: 6
Views: 845

Re: New Schwab Index Fund - SCHK, better than SCHB?

Since Schwab has 3 funds that cover much of the market (SP500, Russell 1000, Dow Total) you could use two in taxable accounts for tax loss harvesting and one in an IRA.
by Crisium
Tue Oct 17, 2017 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Thrift Savings Plan
Replies: 33
Views: 3274

Re: Thrift Savings Plan

If you view all your retirement accounts as one, as you likely should, then the G Fund can make a great bond allocation. The principle never goes down, and while the yield fluctuates it is generally higher than a 7 year treasury note. L funds are G fund heavy for their bond portion, which I like. Th...
by Crisium
Wed Oct 11, 2017 8:19 am
Forum: Investing - Theory, News & General
Topic: Cash on the sidelines impact ?
Replies: 14
Views: 1565

Re: Cash on the sidelines impact ?

How much cash was on the sidelines in early 2000 or 2007?
by Crisium
Fri Oct 06, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 9631

Re: Senior citizens can lose everything [to professional guardians via court rulings]

A lot of this corruption seems to trace back to Jon Norheim, who, as a “guardianship commissioner,” can apparently strip all your constitutional rights in minutes. He also belongs in jail. Really it is Jon Norheim that is so disturbing in all of this, along with the other judge (wealthy school owne...
by Crisium
Tue Oct 03, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6395

Re: Are credit cards rewards worth it?

If anything, I would say using a credit card makes me more mindful of my spending as I have to review everything I purchased in one month at the end of every statement cycle. In contrast, with cash or a debit card, you never have to do this so long as you have enough money in your wallet or your ch...
by Crisium
Tue Oct 03, 2017 8:28 am
Forum: Investing - Help with Personal Investments
Topic: CD with Santander bank?
Replies: 3
Views: 586

Re: CD with Santander bank?

I bank with santander and have about 30k in MM for emergency fund, they recently launched CD with 1.65% for 15 month with no minimum- is that decent deal?. i was thinking to open few CDs intead of keeping it in MM for 0.3%- thoughts?? Re: decent deal Useful site here for CDs: https://www.depositacc...
by Crisium
Mon Oct 02, 2017 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Question on Bond Portion of AA
Replies: 16
Views: 1048

Re: Question on Bond Portion of AA

I wish my stable value was that good; it's yielding only 1.91% as of end of Q2.

Unless there's fine print that is concerning, I would probably go 100%. While keeping a small amount in an aggregate bond fund wouldn't be a bad choice, it would return less money and have higher volatility.
by Crisium
Mon Oct 02, 2017 8:29 am
Forum: Investing - Theory, News & General
Topic: Current Bull Market could last years
Replies: 89
Views: 10065

Re: Current Bull Market could last years

RAchip wrote:
Mon Oct 02, 2017 8:22 am
What constitutes the end of a bull market exactly?
According to the article, a 20% decline.
by Crisium
Mon Oct 02, 2017 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6395

Re: Are credit cards rewards worth it?

I'm happy with my USAA 2.5% cashback card. What is "worth"? There's not really any extra steps over a debit card. Worth the time to sign up and turn on auto pay in full? I think so. But I don't think it's worth it to sign up for multiple cards every year to chase signup bonuses. I could boost my inc...
by Crisium
Mon Oct 02, 2017 7:43 am
Forum: Investing - Help with Personal Investments
Topic: VWEHX High-Yield Corporate bond
Replies: 26
Views: 1697

Re: VWEHX High-Yield Corporate bond

Looks like with dividends reinvested VWEHX has had 2 years with a loss of 2% or greater since 1985. But that includes -21.29% in 2008. Using backtest portfolio. There is a risk.
by Crisium
Fri Sep 29, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: 401k advice
Replies: 11
Views: 752

Re: 401k advice

Nahum wrote:
Fri Sep 29, 2017 1:36 pm
I guess I have to open a traditional IRA and contribute there instead?
If you want to continue to tax defer for retirement, sure.

Just remember T-IRA and Roth IRA share the same single year contribution limit of $5,500 ($6,500 if age 50).
by Crisium
Fri Sep 29, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k Help
Replies: 1
Views: 185

Re: New 401k Help

The Russell 1000 should track the total market pretty well, even better than a pure SP500 fund. You may want both the growth and value funds, however. I'm not sure what ratio best tracks the Russell 1000, but it is likely not 100/0 growth/value, so I personally would include some value. Using ishare...
by Crisium
Wed Sep 27, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Starting Investing Strategy
Replies: 30
Views: 2107

Re: Starting Investing Strategy

Up to the OP to chime in again about saver's credit. "Versus negative tax now and 0% later . Which one is better?" You'll need to explain how a retirement account that is 100% Traditional can pay 0% taxes beyond the typical deductions. Don't forget that company match is taxable income when withdrawe...
by Crisium
Wed Sep 27, 2017 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Starting Investing Strategy
Replies: 30
Views: 2107

Re: Starting Investing Strategy

The OP already said he cannot get his income down to the saver's credit. Do you think your choice B is leaving something out? There's only so much deduction that can occur in retirement, especially since the company match safe harbor is pre tax. He will pay more than 0% tax eventually. Guaranteeing*...
by Crisium
Wed Sep 27, 2017 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Starting Investing Strategy
Replies: 30
Views: 2107

Re: Starting Investing Strategy

What the details on your HSA? Default savings rate, any investment options, and fees. I'm also in the 15% bracket, and it is virtually impossible to max out 401k, IRA, and HSA all. Luckily my company puts a few hundred dollars into the HSA per year, and I don't bother to put much else into it. Mainl...
by Crisium
Wed Sep 27, 2017 7:14 am
Forum: Investing - Help with Personal Investments
Topic: I'm shocked! [Mother 100% in bonds and annuities]
Replies: 67
Views: 6698

Re: I'm shocked!

Unless she is withdrawing an obscene amount per year to which you fear she could run out of money, what's the issue? Even withdrawing $100,000 per year from $1.5mm on 3% growth will give around 20 years of money.
by Crisium
Tue Sep 26, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Help with bad 401(k) fund choices
Replies: 18
Views: 1154

Re: Help with bad 401(k) fund choices

I do not understand your first sentence. It has room for interpretation on your contributions toward Roth 401k, Traditional 401k, and/or Roth IRA. Can you explain with more precision? Sharing your expected tax bracket will help. Including estimated income if you are able/willing to share. What do yo...
by Crisium
Fri Sep 22, 2017 10:14 am
Forum: Investing - Help with Personal Investments
Topic: where to put $60,000 for three months...
Replies: 14
Views: 1351

Re: where to put $60,000 for three months...

Ally Bank has a no penalty 11 month 1.50% CD for $25k minimum. Designed for people to break early (though not within first 6 days).
by Crisium
Wed Sep 20, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 26196

Re: Calling out the not so rich bogleheads

$67k total in retirement accounts and emergency fund (which is a very large part of that because I am cautious). Age 30. Income $40k. Single, otherwise I may be in trouble but relatively low COL. Rent. Feelin' fine, as although reading here makes me seem ultra poverty at times I know that most Ameri...
by Crisium
Wed Sep 20, 2017 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Pimco Income Fund - What am I missing?
Replies: 17
Views: 2852

Re: Pimco Income Fund - What am I missing?

Fees are going up October 2. PONDX increasing by 0.11% Page 8 here (large doc) https://www.pimco.com/handlers/displaydocument.ashx?id=PtDx69ycmiZSGE%2BhWBxqbTbzRNtRuead2PVfNeoqIoTlkdkHZ9BXbTo9FGiwctKSbdCLSt9R%2F4o9CNTSb0ZAGC3PjfJ6EvkVPMU1kZ9sjsN%2BgOwapF0TsxJZBDmwLH%2BQmUm5NXb3D8%2B0Fbn0yhkiwkyXsCZD...
by Crisium
Wed Aug 23, 2017 10:09 am
Forum: Investing - Theory, News & General
Topic: Target Date Funds, Rebalancing, and Bear Markets
Replies: 5
Views: 1288

Re: Target Date Funds, Rebalancing, and Bear Markets

I don't have an answer for you, but FYI, you can view TSP fund history here: https://www.tsp.gov/InvestmentFunds/FundPerformance/index.html TSP L2030 fund a decade ago is the same as L2040 now. Set the dates. You can see how it did from October 2007 High to March 2009 Low. October 31 2007 to March 0...
by Crisium
Wed Aug 23, 2017 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Scwhab 401k allocation
Replies: 4
Views: 398

Re: Scwhab 401k allocation

If you were happy with the TR 2040 fund, you can try to mimic it with the 3 funds suggested above, which will give you a much lower ER. Add all the various domestic into VITSX, various international into VTRIX, bonds/cash into VFIUX. Rebalance every once in a while, and re-do the math if you want to...
by Crisium
Fri Aug 11, 2017 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value Funds vs Bond Funds
Replies: 33
Views: 2608

Re: Stable Value Funds vs Bond Funds

My poor SVF has a yield of 1.87%

If you have at least 2.5% then 50/50 makes sense. All-in would only be advisable for the G-Fund, since that has the best insurer.
by Crisium
Thu Aug 10, 2017 2:57 pm
Forum: Investing - Theory, News & General
Topic: Still Buying As planned Regardless Of The World Situation
Replies: 72
Views: 8573

Re: Still Buying As planned Regardless Of The World Situation

selters wrote:
Chrono Triggered wrote:When the market is high or stagnant, buy shares. When the market is down, buy even more shares.
So increase your allocation to stocks as the market falls?
If you DCA (like with regular 401k contributions) then you do buy more when the market down. You get more shares for the same dollar.
by Crisium
Wed Aug 09, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: Gaming laptop vs gaming pc for AAA hi-end graphics games?
Replies: 49
Views: 2808

Re: Gaming laptop vs gaming pc for AAA hi-end graphics games?

With the Pascal (1000 series) GPUs Nvidia has removed the M in the mobile gpu. It has the same specs, just tends to boost clocks less aggressively. The GTX 106 6GB in a laptop should perform within 2-3% of the GTX 1060 6GB Founders Edition desktop. Though if you get a factory overclocked 1060 6GB wi...
by Crisium
Wed Aug 09, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Gaming laptop vs gaming pc for AAA hi-end graphics games?
Replies: 49
Views: 2808

Re: Gaming laptop vs gaming pc for AAA hi-end graphics games?

Mining has inflated desktop GPU prices, so I'm not surprised. Upgrading is the key for choosing desktop. You say 7+ years, but while that is suitable for the CPU and other components, it is not for the GPU. And the GPU is the most important if you want to play demanding games. Nvidia GPUs in each pe...
by Crisium
Mon Jul 31, 2017 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: What is the portfolio role of a leveraged bond fund like PONDX?
Replies: 55
Views: 3386

Re: What is the portfolio role of a leveraged bond fund like PONDX?

What could happen to the principle price if the star manager left?
by Crisium
Wed Jul 19, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: 18 year old first credit card recommendations
Replies: 44
Views: 2763

Re: 18 year old first credit card recommendations

It's important to remember the OP is the important one to have the conversation with, not necessarily the general posters. Rai already responded that the daughter will pay it off in full, and that the daughter already has a credit card (in the parents name). For a general discussion you make valid p...
by Crisium
Wed Jul 19, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: 18 year old first credit card recommendations
Replies: 44
Views: 2763

Re: 18 year old first credit card recommendations

I got one in college (although not until Junior year) specifically to gain credit knowing eventually I'd need a car. Great decision. Just paying that off for a couple years helped me qualify for a low rate loan once I got a job. All it takes is the simple understanding that you must pay it off in fu...
by Crisium
Mon Jul 17, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Help with my Moms IRA, age 70 with 90% stocks
Replies: 21
Views: 1938

Re: Help with my Moms IRA, age 70 with 90% stocks

Vanguard Wellesley has historically easily beaten 3.5%, and done decent during downturns. VWIAX. About 2:1 Bonds:Stocks, actively managed. A good hope for beating the loan while mitigating "all-time stock highs" fear. Also, the all bond actively managed PIMIX with its star manager also has no proble...
by Crisium
Thu Jul 13, 2017 1:25 pm
Forum: Investing - Theory, News & General
Topic: % bogleheads of overall population
Replies: 82
Views: 11192

Re: % bogleheads of overall population

Some bogleheads cannot contribute that much. I can't.
by Crisium
Fri Jun 30, 2017 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Ally raised their savings account rate to 1.15%
Replies: 18
Views: 3383

Re: Ally raised their savings account rate to 1.15%

Very nice. This is more the gap I expected Ally to be behind the rate leaders which are often either teaser rates, newer banks, or lower reputation banks. Ally is solid.
by Crisium
Fri Jun 30, 2017 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Russell 2500 Index?
Replies: 3
Views: 486

Re: Thoughts on Russell 2500 Index?

My 401k is similar. I do 75% S&P 500 and 25% Russell 2500. A number of the top 10 holdings in the R2500 are in the SP500, so I didn't want to quite do 80:20 as I felt that would overweight the SP500 slightly (if that would even be perceivable).
by Crisium
Tue Jun 20, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 150
Views: 10888

Re: Any BHs Had Experience With the Honda Fit?

I have a 2013 model. The highway sound is outrageous. I rarely drive in the highway for an extended time. I did drive 21 hours in a 2 day period, however, and it got annoying fast especially as I wanted to listen to music over it. I am under 30, so this is not an "old person comment". It is very lou...
by Crisium
Tue Jun 20, 2017 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Ally no penalty 11 month CD rate increased to 1.50% this morning
Replies: 68
Views: 10185

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

Respectfully, title does not say it all.

$25,000 minimum.
by Crisium
Tue Jun 13, 2017 12:49 pm
Forum: Investing - Theory, News & General
Topic: Roth 401k > Traditional 401k
Replies: 58
Views: 4224

Re: Roth 401k > Traditional 401k

All around us are recommendations for retirement savings rates. 15% is common, even here. Whether you select 15% into R-IRA or T-IRA you will see the exact same in your IRA account. But almost certainly the Roth will be worth more when it comes to withdrawal, unless you can manage 0% taxes due durin...
by Crisium
Tue Jun 13, 2017 12:15 pm
Forum: Investing - Theory, News & General
Topic: Roth 401k > Traditional 401k
Replies: 58
Views: 4224

Re: Roth 401k > Traditional 401k

I literally mean $1 in both accounts, period.

I am aware that the $1 into Roth costs taxes initially.
by Crisium
Tue Jun 13, 2017 11:57 am
Forum: Investing - Theory, News & General
Topic: Roth 401k > Traditional 401k
Replies: 58
Views: 4224

Re: Roth 401k > Traditional 401k

Very true. $1 in a traditional cannot be worth more than $1 in a Roth. That is an impossibility. The inverse is not true. They can be equal with masterful planning, of course. Kudos to those with a 6 or 7 figure traditional retirement account that they have drawn from for years and years and never p...
by Crisium
Fri May 26, 2017 8:04 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe on REITs
Replies: 66
Views: 8269

Re: Larry Swedroe on REITs

are we supposed to chuck our investment plan after ever new study or stay the course? :confused Stick to the plan. From article: At the very least, investors should be aware that REITs are now more vulnerable to an increase in interest rates and/or an economic contraction, and it’s important to sti...
by Crisium
Thu Mar 23, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund...Savings, Money Market, or CD?
Replies: 22
Views: 3099

Re: Emergency Fund...Savings, Money Market, or CD?

Just a note -- thanks to another post on here, it showed that the 5-year CD at 2.3% beats the 2-year CD in almost all scenarios, even factoring in the 6-month early withdrawal penalty. See here: m Term 12 mo 24 mo 36 mo 48 mo 60 mo APY 1.30% 1.60% 1.60% 1.80% 2.30% Penalty 3 mo 6 mo 6 mo 6 mo 6 mo ...
by Crisium
Wed Mar 22, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund...Savings, Money Market, or CD?
Replies: 22
Views: 3099

Re: Emergency Fund...Savings, Money Market, or CD?

Some good websites:

http://www.doctorofcredit.com/high-inte ... gs-to-get/
https://www.depositaccounts.com/

If you don't mind a lot of hoop jumping, the various rewards checking accounts can offer high rates. For no-nonsense, 1.25% appears to be the high end.
by Crisium
Fri Mar 17, 2017 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund
Replies: 16
Views: 1718

Re: Emergency Fund

Recent thread of PurePoint 1.25%, minimum $10,000, no gimmicks:
viewtopic.php?f=10&t=212045

Good site that's updated monthly or so to shop around:
https://www.depositaccounts.com/

Keep in mind a lot of the very high rates, such as Rewards Checking, have strict requirements.
by Crisium
Thu Mar 16, 2017 2:20 pm
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 57
Views: 11381

Re: PurePoint 1.25% online savings $10K min

Was anyone able to find their early CD withdrawal penalty?
by Crisium
Wed Mar 15, 2017 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 10474

Re: Do you avoid international investing like Jack Bogle?

That's a poor way to view it. Tilting is TSM having value in it and you want to put a little more in value, so you buy a little extra. Having no international stocks in TSM and then adding 10% is like, what's the point? Perhaps my terminology was incorrect. I consider that some of the companies inc...
by Crisium
Tue Mar 07, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Could the TSP solve the retirement crisis?
Replies: 4
Views: 1010

Re: Could the TSP solve the retirement crisis?

Things here I don't like: Mandatory 1% Mandatory at least 50% G Fund The average American has low retirement accounts. Yes, but why? Even an IRA is available for all without a 401k. Debt and financial awareness. The forced 1% covers the awareness (you'll contribute whether you understand it benefits...
by Crisium
Tue Feb 28, 2017 3:46 pm
Forum: Investing - Theory, News & General
Topic: Compounding under the microscope.
Replies: 89
Views: 7962

Re: Compounding under the microscope.

“A piece of paper is folded in two, then in half again, and again and again. How thick will it be after fifty folds?…Take an astronomical guess. What would be a ridiculous number? Well, if we assume that a sheet of copy paper is approximately .004 inches thick, then its thickness after fifty folds i...
by Crisium
Tue Feb 28, 2017 12:37 pm
Forum: Investing - Theory, News & General
Topic: Explanation Needed from "How to Think about Money"
Replies: 9
Views: 1264

Re: Explanation Needed from "How to Think about Money"

People do seem to play mental accounting with dividends. Good article from Larry Swedroe a few days ago: m In other words, do investors behave as if dividends are a free lunch? They found that by creating a separate “mental account” for dividends, the dividend disconnect did in fact have considerabl...