Search found 60 matches

by HoleInTheAir
Thu Jul 05, 2018 6:50 pm
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 132
Views: 12778

Re: Best 401k Employer Match Structure

Mine - 50% up to 4% - pretty standard, but we do have a Roth 401K option.

Wife's - 50% up to 14%, so she gets 7%.
by HoleInTheAir
Sun Jun 24, 2018 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Is this all investing is?
Replies: 38
Views: 3781

Re: Is this all investing is?

You sound a lot like me, OP. My wife and I are 26, and we have about 2x our gross income saved, and save about 35% of our gross income. Before I met her, I did nothing; never went out, did the same routine every day, but I was very unfulfilled and unhappy, when I had no reason to be. When I met her,...
by HoleInTheAir
Wed Jun 20, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Investment Help
Replies: 21
Views: 1828

Re: Taxable Investment Help

Okay, so I have done a bit more research on this, and I think I messed up the way my portfolio should be setup. Currently my 401K is 100% invested in VINIX, which i am comfortable with at the moment. Currently my ROTH is 100% invested in VTSAX, which i thought was the right move, but I think might ...
by HoleInTheAir
Sun Jun 03, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 6172

Re: Need advice on 1st international vacation

To piggyback off the original question, does anyone have any ideas for dealing with anxiety from flying? My wife and I, along with some friends, are going to Ireland later this year for about a week, and that 8-hr flight already has me nervous. I've flown about a dozen times so far - all domestic - ...
by HoleInTheAir
Thu May 31, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 159
Views: 23609

Re: Oatmeal suggestions

For the last five years or so, I've had the same thing - 65g dry measure oats with water, and when it's real hot, stir in some cinnamon, and then place a piece of dark chocolate and 32g of PB on top. Let it melt, and then spread over the top. Bare in mind, this is 600 calories, so if you're on a low...
by HoleInTheAir
Tue May 29, 2018 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Stock Market Index vs 500 Index
Replies: 18
Views: 3260

Re: Vanguard Total Stock Market Index vs 500 Index

Both are great investments and would make a great core holding in a portfolio. As a poster above said, VTSAX doesn't have so much mid/small that it has a significant impact on returns against the S&P. If you think there's a benefit in small/mid cap companies, get the S&P 500 Index, and a small/mid c...
by HoleInTheAir
Sun May 27, 2018 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: When and how often do you rebalance
Replies: 52
Views: 3957

Re: When and how often do you rebalance

I personally take an 'investment audit' each quarter (1/1, 4/1, 7/1, 10/1), where I go get the balances, check Morningstar for the portfolio (split between assets, as well as stock category). As long as I haven't drifted by more than a few percent, I don't take any action. This may be too frequent ...
by HoleInTheAir
Sun May 27, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: What was your experience inheriting assets held at Vanguard?
Replies: 24
Views: 2249

Re: What was your experience inheriting assets held at Vanguard?

What do they do in a situation where you have say - a taxable account, two Roths, and two Traditionals - split between two heirs? Do the funds get liquidated half in all accounts and transferred that way?
by HoleInTheAir
Sun May 27, 2018 12:27 pm
Forum: Investing - Theory, News & General
Topic: The Savings Rate Grid
Replies: 47
Views: 6755

Re: The Savings Rate Grid

Question on the net worthify calculator - does it assume that your income is gross? I ask because we save 36% gross, but it works out to closer to 85% of our actual living income. We live on about $4000 a month and save about $3400 a month.
by HoleInTheAir
Sun May 27, 2018 9:34 am
Forum: Investing - Help with Personal Investments
Topic: When and how often do you rebalance
Replies: 52
Views: 3957

Re: When and how often do you rebalance

I personally take an 'investment audit' each quarter (1/1, 4/1, 7/1, 10/1), where I go get the balances, check Morningstar for the portfolio (split between assets, as well as stock category). As long as I haven't drifted by more than a few percent, I don't take any action. This may be too frequent f...
by HoleInTheAir
Sat May 26, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Rowing machine
Replies: 32
Views: 2574

Re: Rowing machine

Ditto Concept 2. Minimum maintenance and it keeps on working. Two suggestions: (1) Don't forget to do core exercises too. (2) If you cruise, cruise ship gyms often have Concept 2 machines. You will want to do your daily routine. Do not use the rower if seas are rocking. The gym is high up, the moti...
by HoleInTheAir
Sat May 26, 2018 8:29 am
Forum: Investing - Theory, News & General
Topic: I'm an indexer... but...
Replies: 37
Views: 4511

Re: I'm an indexer... but...

I have a small stake in some actively managed funds, OP, but the core of my portfolio - as many others here - are Index funds. Index products keep costs low, keep you in line with the market, and give you great diversification. I view actively managed funds as my 'picks' much in the way some people ...
by HoleInTheAir
Fri May 25, 2018 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Mid-30's portfolio review, Married, 2 kids.
Replies: 9
Views: 3217

Re: Mid-30's portfolio review, Married, 2 kids.

HoleInTheAir - Thank you for your comments. Very appreciated. I like the style of your breakdown. I'm headed toward something similar. I've been looking at the Fidelity Index funds. It seems the US equity funds still have some LT/ST capital gains, not only qualified dividends like VTSAX. I'm trying...
by HoleInTheAir
Fri May 25, 2018 9:20 pm
Forum: Personal Consumer Issues
Topic: Rowing machine
Replies: 32
Views: 2574

Re: Rowing machine

Just save up a little longer and get the C2. I've had it for over two years and have rowed multiple times per week that whole span - looks and feels brand new. Their quality is second to none.
by HoleInTheAir
Thu May 24, 2018 10:38 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 424
Views: 41568

Re: Post your Financial Milestone Announcements Here

My wife and I hit $200,000 in investments this week at 26(Him)/27(Her).
No debt, but also renting, so will have to cool off retirement savings a bit to get a house down payment fund started to get the 20% down to avoid PMI.
by HoleInTheAir
Wed May 23, 2018 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Mid-30's portfolio review, Married, 2 kids.
Replies: 9
Views: 3217

Re: Mid-30's portfolio review, Married, 2 kids.

Things look pretty good, but it looks like you fell into the same trap I did for a time - too many funds/ETFs, many of which have too small of a percentage in the overall portfolio to have a meaningful impact. I don't personally use any commodities, REITs, or TIPS in my portfolio. I took a hard look...
by HoleInTheAir
Tue May 22, 2018 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Difficulty with Parents-In-Law
Replies: 25
Views: 1539

Re: Difficulty with Parents-In-Law

These are all great points. Thanks for commenting. I've always helped friends and family with finances; setting up 401K/IRA investments, paying off loans, etc., and so it's my instinct to want to help, but this has definitely shown me to only help the willing. As I told her, if they need my help, I'...
by HoleInTheAir
Tue May 22, 2018 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Difficulty with Parents-In-Law
Replies: 25
Views: 1539

Re: Difficulty with Parents-In-Law

Couple of things from the recent posts: 1. My Dad didn't suggest I reach out to them about it. He is just very open about his and my mother's finances, so I was just them using as a counterpoint. 2. My FIL showed me the investments and what they were without my prompting. But when I dug in and poin...
by HoleInTheAir
Tue May 22, 2018 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Difficulty with Parents-In-Law
Replies: 25
Views: 1539

Re: Difficulty with Parents-In-Law

Thanks for the suggestions. I called my MIL and talked about 45 minutes over the weekend, and tried to patch it up. I told her I would always be available to help, and would bend over backward if they needed it. But I wasn't going to broach the topic anymore.
by HoleInTheAir
Tue May 22, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Difficulty with Parents-In-Law
Replies: 25
Views: 1539

Re: Difficulty with Parents-In-Law

Couple of things from the recent posts: 1. My Dad didn't suggest I reach out to them about it. He is just very open about his and my mother's finances, so I was just them using as a counterpoint. 2. My FIL showed me the investments and what they were without my prompting. But when I dug in and point...
by HoleInTheAir
Tue May 22, 2018 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Difficulty with Parents-In-Law
Replies: 25
Views: 1539

Difficulty with Parents-In-Law

Hey everyone, Not sure where else I can go with this, but I always have gotten extremely good guidance/suggestions from this forum for the questions I had, so here I am. My wife and I are in great shape. We make about $110K together, have no debt, and are right around $200K in investments. We're in ...
by HoleInTheAir
Thu May 17, 2018 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: VWELX [Vanguard Wellington]
Replies: 50
Views: 8783

Re: VWELX [Vanguard Wellington]

Can some kind person explain to me how to interpret Wellington's gains when looking at cost basis on Vanguard? The gains seem piddly compared to my other holdings, despite the fact that I've been holding and adding since 2013. Is that because I bought 1/4 of my holdings recently, raising the averag...
by HoleInTheAir
Wed May 16, 2018 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Morgan growth fund
Replies: 14
Views: 877

Re: Vanguard Morgan growth fund

Good deal. The only other thing to keep in mind is the construct of some of these active funds. If you look at the Portfolio page for some of these funds, you'll see that some hold as much 10-15% in international, and another 5-10% in cash, so they're not usually 100% in domestic stock (or close to)...
by HoleInTheAir
Wed May 16, 2018 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Morgan growth fund
Replies: 14
Views: 877

Re: Vanguard Morgan growth fund

I personally have a small position in Morgan Growth, along with the more commonly suggested funds like VTSAX, VBTLX, VTIAX. I use a mix of index funds to keep costs low, and then pick reasonably priced, solid active funds to round out my portfolio. In my spreadsheet, I pull the data from Morningstar...
by HoleInTheAir
Tue May 08, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Helping my father-in-law with his 401K portfolio
Replies: 6
Views: 550

Re: Helping my father-in-law with his 401K portfolio

I didn't give you much a response, but here's what I'd do were I in your position and my FIL was willing to move everything over to VG: 1. I'd do an "in-kind" transfer to Vanguard, where he would own the same funds he has currently at Vanguard OR I would sell everything before moving it to VG. Eithe...
by HoleInTheAir
Mon May 07, 2018 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Helping my father-in-law with his 401K portfolio
Replies: 6
Views: 550

Re: Helping my father-in-law with his 401K portfolio

You are absolutely correct. I checked the statements again and saw an Advisory fee of $229 per month. More reason to move it out. Thank you, again! Yep, I was afraid of that. They ding my FIL for about 1.5% annually. He doesn't pay attention to it since he's "going up". He's in a weird smattering o...
by HoleInTheAir
Mon May 07, 2018 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Helping my father-in-law with his 401K portfolio
Replies: 6
Views: 550

Re: Helping my father-in-law with his 401K portfolio

Firstly, good for him for being willing to listen to a different opinion and considering moving his money to lower expense funds. My FIL has holdings with ML, too, and I've tried to convince him to move to a different firm, but to no avail. One thing to check, see if he's also paying an 'Investment ...
by HoleInTheAir
Mon Apr 02, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions
Replies: 2
Views: 248

Re: Portfolio Questions

It is pretty difficult to picture what you have given the lack of details. I would not keep increasing the extended market beyond a suitable ratio. There must be other suitable funds such as bond, international, etc. You can use the IRAs to fill in what is missing. Are you selling ESPP ASAP? Not go...
by HoleInTheAir
Mon Apr 02, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Questions
Replies: 2
Views: 248

Portfolio Questions

All, I have a few questions about our portfolio, some approaches, and just general thoughts. Background: Him: 26; Her: 27 Income: $108,000 total (almost 50/50 split) Debt: None; currently renting Tax Filing: Married, filing jointly Savings: His 401K: 35% contribution to max $18.5K (17% Roth, 18% Tra...
by HoleInTheAir
Sat Dec 23, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3602
Views: 1028393

Re: What Movie Have You Recently Watched?

I surf these forums often, and just found this thread. I watch a lot of movies, probably average close to 5-7 per week annually. Here was this week: Cult of Chucky - I liked the first three films in this series, and the sixth film, Curse, was a step in the right direction. This one moved the series ...
by HoleInTheAir
Sun Dec 03, 2017 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Using taxable for house down payment
Replies: 10
Views: 1367

Re: Using taxable for house down payment

Thanks for the replies, everyone. We're still weighing out renting versus buying (looked at some homes today). I think for me, mentally, this may be a good exercise, because in retirement, I will need to use this money I saved over the years. For me, I think it's as much about saving and seeing the ...
by HoleInTheAir
Sun Dec 03, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Using taxable for house down payment
Replies: 10
Views: 1367

Re: Using taxable for house down payment

Thanks for the replies. My wife has a new job that will keep us here for at least two more years, and her parents are aging (67 & 70), and going downhill, so we need to be nearby for them. If with 0% down, the totality of the mortgage is less than my $1250 rent, am I still not okay with that route? ...
by HoleInTheAir
Sun Dec 03, 2017 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Using taxable for house down payment
Replies: 10
Views: 1367

Using taxable for house down payment

Hey everyone, My wife and I are considering becoming homeowners. We earn about $110,000 combined, and are looking at homes in the $185-225,000 range. I think this is reasonable. Currently, we're paying $1,250 per month in rent. We save 37% of our income ($3400 a month) in our 401Ks and IRAs, and hav...
by HoleInTheAir
Tue Sep 05, 2017 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 102
Views: 9811

Re: how often does high ACT score == scholarship?

Crazy to think that doesn't get you everything at some universities. I was a 3.8 GPA and 27 ACT, and got a full tuition scholarship to a smaller, in-state public university. Is he dead set on a university that won't give him a full ride? I lived at home while I went to college, so it was all covered...
by HoleInTheAir
Sun Aug 13, 2017 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: How to not obsess over investments?
Replies: 46
Views: 4955

Re: How to not obsess over investments?

I'm taking a step back and reading more on coming up with a definitive investment plan. Do I want to tilt towards small/mid caps? What should my asset allocation be given my risk tolerance? What portion of my holdings do I want in International Funds? These are questions that should have been explo...
by HoleInTheAir
Fri Aug 11, 2017 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: How to not obsess over investments?
Replies: 46
Views: 4955

Re: How to not obsess over investments?

Thanks for the replies, everyone. I'm taking a step back and reading more on coming up with a definitive investment plan. Do I want to tilt towards small/mid caps? What should my asset allocation be given my risk tolerance? What portion of my holdings do I want in International Funds? These are ques...
by HoleInTheAir
Wed Aug 09, 2017 11:47 am
Forum: Investing - Help with Personal Investments
Topic: How to not obsess over investments?
Replies: 46
Views: 4955

Re: How to not obsess over investments?

I dealt with this for a while, and still do. The general progression for us was Dave Ramsey --> Mr. Money Mustache --> Bogleheads. For us it wasn't just about starting to invest, there were some decent lifestyle changes that took place. Part of why I used to check balances daily was a fear of pover...
by HoleInTheAir
Wed Aug 09, 2017 11:31 am
Forum: Investing - Help with Personal Investments
Topic: How to not obsess over investments?
Replies: 46
Views: 4955

Re: How to not obsess over investments?

You could always try books about investing or listening to podcasts, since you are obviously very interested in it all. That would give you something to read, listen, and learn, and distract you from checking your accounts. Of course it could prompt you to do something with your investments, which ...
by HoleInTheAir
Wed Aug 09, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: How to not obsess over investments?
Replies: 46
Views: 4955

Re: How to not obsess over investments?

I dealt with this for a while, and still do. The general progression for us was Dave Ramsey --> Mr. Money Mustache --> Bogleheads. For us it wasn't just about starting to invest, there were some decent lifestyle changes that took place. Part of why I used to check balances daily was a fear of pover...
by HoleInTheAir
Wed Aug 09, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: How to not obsess over investments?
Replies: 46
Views: 4955

Re: How to not obsess over investments?

Thanks for the responses. I have to give a lot of the credit to my fiancé and to my soon-to-be FIL and my own father. She and I both had scholarships, but we both finished undergrad with no debt, and both were fortunate to enter the workforce immediately. I'm very much the lead on our finances, but ...
by HoleInTheAir
Wed Aug 09, 2017 10:40 am
Forum: Investing - Help with Personal Investments
Topic: How to not obsess over investments?
Replies: 46
Views: 4955

Re: How to not obsess over investments?

I think you may just have to wait and grow into it. Sooner or later, something else comes along in life that is more interesting or more demanding of your time. If checking daily right now is fun for you, I would not give it a thought. If you are checking daily because of worry....not sure what to ...
by HoleInTheAir
Wed Aug 09, 2017 10:21 am
Forum: Investing - Help with Personal Investments
Topic: How to not obsess over investments?
Replies: 46
Views: 4955

How to not obsess over investments?

Hi All, I've posted here regularly in the last year or so, which is right around the time I really started getting on top of my investments and just savings in general. My fiancé and I are in our mid 20s, and have around $150,000 in investments currently, spread in our Roth IRAs, Traditional IRAs, B...
by HoleInTheAir
Fri Jul 07, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Living off of Taxable to max 401K
Replies: 11
Views: 1087

Re: Living off of Taxable to max 401K

3. What if I put the majority (say 80% of my $18,000) into my Roth 401K? HoleInTheAir, Bad idea! You could contribute 18K into Trad. 401K and put the 25% tax savings into Roth IRA. KlangFool I don't understand why this is bad. The Traditional reduces my AGI, but I'm already not paying huge taxes wi...
by HoleInTheAir
Fri Jul 07, 2017 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Living off of Taxable to max 401K
Replies: 11
Views: 1087

Re: Living off of Taxable to max 401K

A couple of things. 1) If you wait until you are married to sell the taxable investments you may be able to keep in the 15% tax bracket where you would own no taxes on the long term capital gains. In the meantime you could change it so the dividends are not automatically reinvested. 2) You need to ...
by HoleInTheAir
Fri Jul 07, 2017 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Living off of Taxable to max 401K
Replies: 11
Views: 1087

Re: Living off of Taxable to max 401K

We're pretty close to the magical 59.5 yrs, and with us being semi-retired, I have start moving money from taxable to max out our 401k Roths (and Roth IRAs). I make sure first to tax defer enough to to keep us comfortably in the 15% tax bracket so Qualified Dividends and Cap Gains are not taxed. So...
by HoleInTheAir
Fri Jul 07, 2017 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Living off of Taxable to max 401K
Replies: 11
Views: 1087

Living off of Taxable to max 401K

Hi All, I've posed this question on a few different boards, and was curious if anyone has any thoughts or considerations on it. Details: Age: soon to be married couple in mid 20s Income: ~$100,000 combined Debt: None Monthly Expenses: $1,800 for me; $3,500 as a household - we split bills Total Holdi...
by HoleInTheAir
Wed Apr 19, 2017 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Total Portfolio Cleanup
Replies: 8
Views: 1367

Re: Total Portfolio Cleanup

Man, doing quite well for yourself at 31. Can I ask what career field you're in? As for the portfolio, can you explain the rationale behind holding so many ETFs? I feel like you could beef up VTSAX some, maybe add another mutual fund or two, and have it way more simple and cheap. At the amount of yo...
by HoleInTheAir
Tue Mar 14, 2017 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice / Thoughts
Replies: 13
Views: 1535

Re: Portfolio Advice / Thoughts

Here is one idea in order to allow yourself to max out your 401k then, while still being able to pay the bills: 1. Contribute enough to max out 401k/IRA (18,000 + 5,500 = 23,500/year). Make sure you are contributing enough to traditional accounts to get yourself into the 15% tax bracket. 2. Sell in...
by HoleInTheAir
Tue Mar 14, 2017 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice / Thoughts
Replies: 13
Views: 1535

Re: Portfolio Advice / Thoughts

Ok, do you know if your 401k allows for mega backdoor roth? (i.e. allows for after tax contributions, and inservice distributions) This could allow you to get even more money into your tax-advantaged accounts. Do you know what tax bracket you are in as well? It is probably worth selling off enough ...
by HoleInTheAir
Tue Mar 14, 2017 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice / Thoughts
Replies: 13
Views: 1535

Re: Portfolio Advice / Thoughts

What do your capital gains look like in your taxable brokerage accounts? Would you consider selling some of your taxable to "pay the bills" so that you could maximize your 401ks? (i.e. in effect to shift more of your investments to tax-advantage accounts) You could also make your 2017 IRA contribut...