Search found 1325 matches

by CyclingDuo
Mon Apr 23, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Continue investing?
Replies: 11
Views: 2137

Re: Continue investing?

Thank you all for the responses :happy My portfolio is majority U.S. Stocks. (mostly large cap), followed by developed international stocks. I was advised to use the $6K to invest in emerging Int'l stock. However wouldn't it be better to split the $6K among other areas instead of just Int'l emergin...
by CyclingDuo
Mon Apr 23, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: 403b
Replies: 22
Views: 1396

Re: 403b

I would think since you are close to retirment and much to learn you may think want to read about the Target Dated Funds. Go to Vanguard and you will see them. Good read to start. Thanks. I’ll give it a look. Sounds like it’s worth exploring. As mentioned above, post the list of funds available wit...
by CyclingDuo
Wed Apr 18, 2018 7:27 am
Forum: Investing - Help with Personal Investments
Topic: Age 30 how are we doing
Replies: 5
Views: 1338

Re: Age 30 how are we doing

I have been reading BHs for a few months in an attempt to develop the appropriate investment strategy for DW and I. Age: 30 DW 28 MFJ, no kids yet within 2 years. Current Income $75k I have been investing in TSP for the past 5 years to receive the 5% match. Recently received a raise and increased c...
by CyclingDuo
Mon Apr 16, 2018 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: 457b/401a Diversification?
Replies: 4
Views: 263

Re: 457b/401a Diversification?

You mentioned you wanted US Total at the start. Note that your proposed 50:15 VINIX:VIEIX is a slight tilt towards small cap: you'll have a 77:23 ratio, while I believe it should be 81:19 for market cap weight. Regardless, the tilt is tiny and trying to maintain 52.65:12:35 would be a pain, I would...
by CyclingDuo
Sun Apr 15, 2018 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking retirement/investment advice
Replies: 6
Views: 765

Re: Seeking retirement/investment advice

Thank you both very much. Organizing our portfolio the way you did was very helpful. Meant to say SS is not taxed (yet) in California. It sounds like you both agree to hold out for the higher SS income at 70. Would that be true for both of us or only my husband? I will follow your links and return ...
by CyclingDuo
Sun Apr 15, 2018 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?
Replies: 84
Views: 13370

Re: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?

Would be fun to chat with you and your strategy, but I know it is not typical BH fodder. Yes, it isn't typical BH fodder, but I consider myself of the BH strain. I don't listen to middlemen, I keep expenses lower than any BH investor and I rely only on objective measures I take right off the Statem...
by CyclingDuo
Sun Apr 15, 2018 11:48 am
Forum: Investing - Theory, News & General
Topic: Bull Market Timing
Replies: 60
Views: 4455

Re: Bull Market Timing

So far, those who blindly stay the course have done better than anyone who has tried to jump in and out of the stock market. History shows that if someone did anticipate the bad times correctly, they would have done better, but no one has done that repeatedly. Elaine Garzarelli was famously right o...
by CyclingDuo
Sun Apr 15, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Seeking retirement/investment advice
Replies: 6
Views: 765

Re: Seeking retirement/investment advice

Trying to organize things a bit better for viewing... Husband: 67.5 Wife: 63.3 Social Security potential $4K per month = $48,000 annual 2nd Home Rental Income = $30,000 annual $1.8M generates online banks should with interest income at 1.4% = $25,000 annual Pension Income = $3600 annual $145K in ban...
by CyclingDuo
Sat Apr 14, 2018 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?
Replies: 84
Views: 13370

Re: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?

Hi Cyclingduo Curious about a couple of things if you wouldn't mind addressing. But it requires the discipline to focus on income only, which is much harder than it sounds. What part of it is much harder than it sounds? What is difficult if not impossible for most wanting to adopt a pure income app...
by CyclingDuo
Sat Apr 14, 2018 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?
Replies: 84
Views: 13370

Re: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?

According to FIRECalc.... If you put $4M in a 75% equity/25% bond portfolio at age 37 until age 92 and never worked another lick in your life while spending $120K a year inflation adjusted - you have 100% chance of successfully not outliving your money with a median ending portfolio value at age 92...
by CyclingDuo
Sat Apr 14, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Could you support family on 1 income?
Replies: 88
Views: 5689

Re: Could you support family on 1 income?

I'm sure several here already do. But for those in a dual-income household could you? Not by choice: we're possibly about to find out! :shock: Married 29 years (lived together 4 years before that), dual income for the majority of that time frame (24 of the 33 years). The exception being 5 years aft...
by CyclingDuo
Sat Apr 14, 2018 7:42 am
Forum: Investing - Help with Personal Investments
Topic: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?
Replies: 84
Views: 13370

Re: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?

Our goal priorities are reliable REAL income, moderate liquidity and ability of family to self-manage. Mid priorities are preservation of capital that may be required in later years for assisted living (we don't do long term care insurance). Lower priorities are estate legacy and volatility. As a r...
by CyclingDuo
Fri Apr 13, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Will I catch up saving for retirement?
Replies: 54
Views: 4497

Re: Will I catch up saving for retirement?

This is exactly what I’m wanting to hear. I don’t expect my salary to grow that much the next few years. Possibly it will be 240k by the time I’m 40 and I should have $720k to be on track. Balance now - ~350k 35 - 51k 36- 51k 37 - 51k 38 - 51k 39 - 51k Totals 605k without any market appreciation. L...
by CyclingDuo
Fri Apr 13, 2018 3:16 pm
Forum: Investing - Theory, News & General
Topic: Bull Market Timing
Replies: 60
Views: 4455

Re: Bull Market Timing

I think this bull market started in the mid-1980s, when the first wave of baby boomers reached their 30s and started saving for retirement, just when the 401K era was beginning in earnest. When it ends, I don't know, but the leading edge of the boomers is now 70 years old. And the tail end turns 54...
by CyclingDuo
Fri Apr 13, 2018 9:36 am
Forum: Investing - Theory, News & General
Topic: Bull Market Timing
Replies: 60
Views: 4455

Re: Bull Market Timing

That's fine. Some do view the 2011 and the mid 2015-16 drops where individual stocks/sectors suffered more than a 20% decline compared to just the 500 stocks in the S&P 500. There certainly is no denying that there was significant negative activity in the market during those time periods. I just ha...
by CyclingDuo
Fri Apr 13, 2018 9:13 am
Forum: Investing - Theory, News & General
Topic: Bull Market Timing
Replies: 60
Views: 4455

Re: Bull Market Timing

Forward P/E looks pretty great on the S&P 500. Also check-out 1996. Never a better time to buy (irrational exuberance). Also this bull market started in 2016 (after we had a bear). I (like just about everyone else) know about the 2009 bear. When was the bear between then and now? There have of cour...
by CyclingDuo
Fri Apr 13, 2018 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Will I catch up saving for retirement?
Replies: 54
Views: 4497

Re: Will I catch up saving for retirement?

My salary alone is 200k and I’m behind in saving for retirement. Currrently I have around 350k saved at age 34. Our HHI is 425k and we are both maxing out retirement and saving ~6k a month into a private brokerage account. Annually I’m contributing 51k to my employer retirement accounts obviously i...
by CyclingDuo
Fri Apr 13, 2018 5:51 am
Forum: Investing - Theory, News & General
Topic: Bull Market Timing
Replies: 60
Views: 4455

Re: Bull Market Timing

Forward P/E looks pretty great on the S&P 500. Also check-out 1996. Never a better time to buy (irrational exuberance). Also this bull market started in 2016 (after we had a bear). I (like just about everyone else) know about the 2009 bear. When was the bear between then and now? There have of cour...
by CyclingDuo
Fri Apr 13, 2018 5:23 am
Forum: Investing - Theory, News & General
Topic: Bull Market Timing
Replies: 60
Views: 4455

Re: Bull Market Timing

Forward P/E looks pretty great on the S&P 500. Also check-out 1996. Never a better time to buy (irrational exuberance). Also this bull market started in 2016 (after we had a bear). I think this bull market started in the mid-1980s, when the first wave of baby boomers reached their 30s and started s...
by CyclingDuo
Thu Apr 12, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?
Replies: 84
Views: 13370

Re: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?

@CyclingDuo Thanks for the hybrid approach! the idea of having half in a dividend paying portfolio is appealing to me. I definitely need to research this more. Is there any downside regarding complexities or risk? Downsides? Share price of the underlying assets paying you dividends will fluctuate -...
by CyclingDuo
Wed Apr 11, 2018 10:14 am
Forum: Investing - Help with Personal Investments
Topic: NY (HCOL area) - 32(Him) and 31(Her) - Invest in 457 for "early" retirement?
Replies: 12
Views: 1085

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

1.) I am trying to set myself up to retire when I am 57 (when my pension will reach the 67% marker). I'd like my wife to be able to retire as well. I don't know what will come my way with my future children and unforeseen expenses, but this is the goal. Because I will not be of SS age when I first ...
by CyclingDuo
Wed Apr 11, 2018 8:24 am
Forum: Investing - Help with Personal Investments
Topic: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?
Replies: 84
Views: 13370

Re: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?

You could also buy an immediate annuity with COLA for about $2.7M to $2.8M that begins paying immediately to produce $10K per month for life. Put the rest in the appropriate asset allocation index funds for the total return portion of your portfolio. Or you could do a hybrid of all three: immediate...
by CyclingDuo
Wed Apr 11, 2018 8:00 am
Forum: Investing - Help with Personal Investments
Topic: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?
Replies: 84
Views: 13370

Re: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?

Hi guys, I'm new to investing and would really appreciate some feedback on how I can achieve my goals with the least amount of risk possible. I'm' 37, no debt, will have about 4 million (maybe 5 to 6) to invest within the next year, and emergency cash fund of around 250k to 400k. I do not plan on w...
by CyclingDuo
Tue Apr 10, 2018 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Alternative website for those in lower tax brackets?
Replies: 59
Views: 5253

Re: Alternative website for those in lower tax brackets?

While I appreciate the wisdom and practicality of the Bogleheads forum, I often find the advice here (and other investment sites) slanted toward those with hefty investment accounts. This is true of many investment sites. For instance, when comparing the after-tax return of mutual funds, often the ...
by CyclingDuo
Mon Apr 09, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Laid Off/Termination/Downsizing survival strategies...
Replies: 53
Views: 5397

Re: Laid Off/Termination/Downsizing survival strategies...

Sorry to hear about the loss of your job. It is scary but, after time, will be seen as an opportunity for new things. You may be interested in the positions in higher education posted by the Chronicle of Higher Education. There is a search engine for location and several listings for Iowa. https://...
by CyclingDuo
Sat Apr 07, 2018 8:08 am
Forum: Investing - Theory, News & General
Topic: Swedroe: Look Beyond 60/40 Portfolio
Replies: 237
Views: 14897

Re: Swedroe: Look Beyond 60/40 Portfolio

Mr Swerdoe's assertions make sense in that multiple uncorrelated assets may improve portfolio volatility and returns. Whether you use these alternative sources or risk is a personal choice. However, these alternatives are difficult to access without investing very large sums of money or using an ad...
by CyclingDuo
Sat Apr 07, 2018 8:00 am
Forum: Investing - Theory, News & General
Topic: Swedroe: Look Beyond 60/40 Portfolio
Replies: 237
Views: 14897

Re: Swedroe: Look Beyond 60/40 Portfolio

Finally: what are the risks? If you can get equity-like returns with less volatility, is it a free lunch or what? In the reinsurance alternative investment, one such risk I recently read about could be used as an example that warmer ocean water leads to a strong hurricane season this year. I believ...
by CyclingDuo
Fri Apr 06, 2018 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Your Monthly Cost of Living
Replies: 66
Views: 6840

Re: Your Monthly Cost of Living

What is your total monthly cost of basic living? 1. Housing: mortgage/utilities: $1197 PITI/$280 Utilities/$19 Garbage/$75 Insect Pest Control = $1571 2. Transportation: cars, insurance, license, registration, gas, maintenance = $455 3. Food: groceries, restaurants = $1100 4. Other: Cable/Internet/...
by CyclingDuo
Fri Apr 06, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: OnTrajectory
Replies: 2
Views: 479

Re: OnTrajectory

240U wrote:
Sat Dec 02, 2017 11:37 pm
Has anyone looked at the OnTrajectory financial planner? If so do you have an opinion?
I see there were no replies to your question. Did you happen to sign up and find out how the product works for you?
by CyclingDuo
Thu Apr 05, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Laid Off/Termination/Downsizing survival strategies...
Replies: 53
Views: 5397

Re: Laid Off/Termination/Downsizing survival strategies...

Sorry to hear about the job situation. Based on your responses and that you have had 1300 posts, you know a lot about your financial well-being. You have positioned yourself well for this unfortunate episode in your life. I went through a period of searching for a job while a spouse was employed. I...
by CyclingDuo
Thu Apr 05, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Laid Off/Termination/Downsizing survival strategies...
Replies: 53
Views: 5397

Re: Laid Off/Termination/Downsizing survival strategies...

I would not even begin to refinance the mortgage or pay it off. There are closing costs associated with every Re-Fi and you may not be there for the long term. Plus your interest rate is going to be below the long term CAGR of your portfolio for quite a while. The balance is low enough that even if...
by CyclingDuo
Wed Apr 04, 2018 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Laid Off/Termination/Downsizing survival strategies...
Replies: 53
Views: 5397

Re: Laid Off/Termination/Downsizing survival strategies...

I certainly wouldn't pay down the mortgage now, when you are soon to be unemployed. Sure that gets rid of your mortgage payment, but it also drains $127K of liquidity just when you might need it. Once you get situated with a new job 6 months to a year and if you feel reasonably secure then perhaps ...
by CyclingDuo
Wed Apr 04, 2018 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Laid Off/Termination/Downsizing survival strategies...
Replies: 53
Views: 5397

Re: Laid Off/Termination/Downsizing survival strategies...

Sorry they cut your job. As others have said - buff up and mail out your resume. When the semester is over, take a long bike ride (based on your username I'm guessing that will help you de-stress) Will do! Buffing it up this week. No problems hopping on the bike to de-stress. I started riding hard ...
by CyclingDuo
Wed Apr 04, 2018 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Laid Off/Termination/Downsizing survival strategies...
Replies: 53
Views: 5397

Re: Laid Off/Termination/Downsizing survival strategies...

As a fellow academic, I greatly sympathize with your situation. I will leave the financial advice to others but on the working front, are there adjunct teaching possibilities in your area? Tutoring? Are there any computer related activities for which you could get quickly trained and for which your...
by CyclingDuo
Wed Apr 04, 2018 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Laid Off/Termination/Downsizing survival strategies...
Replies: 53
Views: 5397

Re: Laid Off/Termination/Downsizing survival strategies...

May I ask, do you wish now that you had paid off your mortgage earlier? I am still young, 29, but am in a technical field and plan to stay in it for the long term, but I work for a very stable employer. Technical fields can definitely have age discrimination. Anyway, we have a 30-yr at 3.875 and th...
by CyclingDuo
Wed Apr 04, 2018 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Laid Off/Termination/Downsizing survival strategies...
Replies: 53
Views: 5397

Re: Laid Off/Termination/Downsizing survival strategies...

Sorry for your loss. Parting involuntarily is really hard. The emotional toll is unpredictable and heavy. I'd surrounding yourself with positive and loving people/experiences. And use the opportunity to take stock of what is important to you and the family. It's hard, painful work to separate ourse...
by CyclingDuo
Wed Apr 04, 2018 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Laid Off/Termination/Downsizing survival strategies...
Replies: 53
Views: 5397

Re: Laid Off/Termination/Downsizing survival strategies...

I sympathize with your situation. While I am in a slightly different (although similar) boat, I was thankful to receive amazing advice and support at https://www.bogleheads.org/forum/viewtopic.php?f=2&t=245664. This is a challenging situation to be facing and I am sending best wishes to you. You se...
by CyclingDuo
Wed Apr 04, 2018 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Laid Off/Termination/Downsizing survival strategies...
Replies: 53
Views: 5397

Re: Laid Off/Termination/Downsizing survival strategies...

OP, I will refinance your ARM into 15 years or 30 years fixed rate mortgage ASAP. KlangFool As opposed to just paying it off? Paying it off would only free up $702 per month (that's the amount that goes to PI of PITI). Too bad I didn't find out a few months earlier when rates were even lower! Cycli...
by CyclingDuo
Wed Apr 04, 2018 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Laid Off/Termination/Downsizing survival strategies...
Replies: 53
Views: 5397

Re: Laid Off/Termination/Downsizing survival strategies...

I am sorry about your job. I have had a few friends go through the same thing at about the same age, and it is tough both financially and psychologically. Do you have a solid handle on your expenses, going forward? I know you mentioned 1.5 years of expenses saved, but is that based on a rough guess...
by CyclingDuo
Wed Apr 04, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Laid Off/Termination/Downsizing survival strategies...
Replies: 53
Views: 5397

Re: Laid Off/Termination/Downsizing survival strategies...

First order of business- switch to the spouse' employer health plan if not done already. Then start thinking of what you want to do next. I wouldn't rule out taking some time off to take training/certification classes if they will help with the search, you appear well positioned to manage that. I a...
by CyclingDuo
Wed Apr 04, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Laid Off/Termination/Downsizing survival strategies...
Replies: 53
Views: 5397

Re: Laid Off/Termination/Downsizing survival strategies...

KlangFool wrote:
Wed Apr 04, 2018 2:04 pm
OP,

I will refinance your ARM into 15 years or 30 years fixed rate mortgage ASAP.

KlangFool
As opposed to just paying it off? Paying it off would only free up $702 per month (that's the amount that goes to PI of PITI).

Too bad I didn't find out a few months earlier when rates were even lower!
by CyclingDuo
Wed Apr 04, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Laid Off/Termination/Downsizing survival strategies...
Replies: 53
Views: 5397

Re: Laid Off/Termination/Downsizing survival strategies...

You have 1.5 years of income piled up in emergency savings, and it appears that your living expenses are quite low, so your emergency savings are probably closer to 3 years of living expenses. In addition, spouse currently makes enough to pay living expenses without dipping into savings, and overal...
by CyclingDuo
Wed Apr 04, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Laid Off/Termination/Downsizing survival strategies...
Replies: 53
Views: 5397

Re: Laid Off/Termination/Downsizing survival strategies...

Very sorry to hear about your impending layoff. Polish and buff the resume. If most of your portfolio is in pre-tax, I would not worry about maxing this year. I would pile up cash to account for an extended job search. A Dave Ramsey emergency. Pile up cash. For all the posters who love their jobs a...
by CyclingDuo
Wed Apr 04, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Laid Off/Termination/Downsizing survival strategies...
Replies: 53
Views: 5397

Laid Off/Termination/Downsizing survival strategies...

Looking for a little wisdom and guidance on those that have been through a job termination in their mid 50's and how it impacted decisions. This post was not intended to be a portfolio review, but here is the latest update if you need a reference: https://www.bogleheads.org/forum/viewtopic.php?f=1&t...
by CyclingDuo
Mon Apr 02, 2018 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) / 457(b) Selection and Vendor Advice
Replies: 21
Views: 959

Re: 403(b) / 457(b) Selection and Vendor Advice

I have had accounts with Valic, and strongly do not recommend them. I had a 15 year surrender period with them, plus very high expense ratios. I have heard Aspire might not be quite as bad as the others on the list, but haven't personally looked into them. We've got one of our 403b's with VALIC and...
by CyclingDuo
Mon Apr 02, 2018 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Approximating total stock market index fund from my available 401k funds
Replies: 6
Views: 379

Re: Approximating total stock market index fund from my available 401k funds

Hi everyone, long time reader first time poster. Would like to do the 3 fund portfolio in my 401k but do not have vanguard total stock market index fund and vanguard total international stock index fund, listed below are the Vanguard funds I have in my 401 k. Vanguard Total bond market index fund E...
by CyclingDuo
Sun Apr 01, 2018 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Retire at 55, what's the magic number
Replies: 90
Views: 10023

Re: Retire at 55, what's the magic number

Current annual expense right at 120k. Wow! I thought we were bad at $66.5K. Factor in pension, your expected SS and when you would take it, the empty gap years of no income, and make sure you have your expenses covered for your expected longevity. The number is different for everyone based on strea...
by CyclingDuo
Sun Apr 01, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Wireless phone use in Italy
Replies: 18
Views: 1139

Re: Wireless phone use in Italy

Asking for a family member. I read some of the posts on the topic but this seems like something that changes fairly often. Would like to get a SIM prior to departure if feasible with goal of working phone for data/text/possibly phone calls on arrival. Total needs limited. Some details. -not switchi...
by CyclingDuo
Sun Apr 01, 2018 12:22 pm
Forum: Investing - Theory, News & General
Topic: Nice article on saving money and financial independence
Replies: 36
Views: 5118

Re: Nice article on saving money and financial independence

No way this flight attendant can FIRE without employer sponsored health coverage, unless she is able to find a really cheap plan. Plenty of her blog posts talk about not actually retiring, but hitting the number so that she could retire if so desired. Sounds like she is basically trying to get her ...