Search found 17 matches

by Keepcalm
Sun Jun 18, 2017 7:02 am
Forum: Investing - Help with Personal Investments
Topic: Using FV,PV, and PMT for retirement tracking
Replies: 4
Views: 368

Re: Using FV,PV, and PMT for retirement tracking

I have used these functions in Excel for retirement planning. Whenever I did, I also setup linear spreadsheets to verify results and also see progression on a year by year basis. I could quickly change variables in the spreadsheet (investment return, inflation, savings) to see the impact. I always ...
by Keepcalm
Sun Jun 18, 2017 6:55 am
Forum: Investing - Help with Personal Investments
Topic: Issue w/Personal Capital vs Vanguard Retirement Planners
Replies: 13
Views: 1573

Re: Issue w/Personal Capital vs Vanguard Retirement Planners

Dear Keepcalm, I actually think that your method is fine and is a good start for where you are in the process. I think I have created a similar spreadsheet to the one you created at some point during my personal path, at a time I was older than you. I still use it 12.5 years later. I plugged your n...
by Keepcalm
Sun Jun 18, 2017 6:40 am
Forum: Investing - Help with Personal Investments
Topic: Using FV,PV, and PMT for retirement tracking
Replies: 4
Views: 368

Using FV,PV, and PMT for retirement tracking

I had a thread open before and branched into this question in order to save a post, however I was not receiving much response I believe due to thread title. I do have some feedback on using these compounding excel formulas to track my retirement progress and to make sure in general I'm staying on tr...
by Keepcalm
Sat Jun 17, 2017 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Issue w/Personal Capital vs Vanguard Retirement Planners
Replies: 13
Views: 1573

Re: Issue w/Personal Capital vs Vanguard Retirement Planners

Thats unfortunate because I spent some time on creating a decent spreadsheet yesterday to follow my retirement plan progress and used FV PV and PMT to pretty much structure it.

Thanks for the heads up however.
by Keepcalm
Fri Jun 16, 2017 11:30 pm
Forum: Investing - Help with Personal Investments
Topic: Issue w/Personal Capital vs Vanguard Retirement Planners
Replies: 13
Views: 1573

Re: Issue w/Personal Capital vs Vanguard Retirement Planners

So I have decided to create some spreadsheets of my own, and although I am sure I will continue to revise the structure of them slowly over a period of time I already feel an odd rewarding/liberating sense not depending on a third party app such as Quicken. Anyone else get that? I did want to ask if...
by Keepcalm
Wed Jun 14, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Issue w/Personal Capital vs Vanguard Retirement Planners
Replies: 13
Views: 1573

Re: Issue w/Personal Capital vs Vanguard Retirement Planners

I have never cared much for vanguards retirement planner. All calculators have their quirks, plus gigo. Check out these instead: Esplanner https://basic.esplanner.com/ Cfiresim http://www.cfiresim.com/ Fidelity income planner https://www.fidelity.com/calculators-tools/planning-guidance-center 45k a...
by Keepcalm
Wed Jun 14, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Issue w/Personal Capital vs Vanguard Retirement Planners
Replies: 13
Views: 1573

Issue w/Personal Capital vs Vanguard Retirement Planners

Late start planning, so I have been playing around with calculators that will allow me access to an easy and visually appealing check up on my progress via iPad (trying to replace PC with iPad). So I have been looking at Personal Capital, or just logging into Vanguard and using their retirement calc...
by Keepcalm
Fri Jun 09, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation is Haywire Vanguard
Replies: 7
Views: 676

Re: Asset Allocation is Haywire Vanguard

So just a little update I actually contacted Vanguard to inquire about the issue. Not to sound arrogant however the representative who answered the phone sounded like they were a 20 year old intern. Now I would of had no problem, and I would not have discriminated against him however his response to...
by Keepcalm
Fri Jun 09, 2017 2:55 am
Forum: Personal Finance (Not Investing)
Topic: GS Bank raised rate to 1.20%
Replies: 20
Views: 3130

Re: GS Bank raised rate to 1.20%

Let's go ally....
by Keepcalm
Thu Jun 08, 2017 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation is Haywire Vanguard
Replies: 7
Views: 676

Re: Asset Allocation is Haywire Vanguard

However if I divide each fund by my total portfolio value it's in fact 80/20 still.

Has anyone ever had an issue with Vanguards asset allocation pie chart it shows you when you login and go to portfolio watch?
by Keepcalm
Thu Jun 08, 2017 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation is Haywire Vanguard
Replies: 7
Views: 676

Asset Allocation is Haywire Vanguard

So the other day I opened up a Roth IRA and I had a three fund portfolio set up it was 80% stocks and 20% bonds. It was a small amount and I was unable to purchase index funds so I went with ETFs. When I got done purchasing the next morning I logged on and I saw that my asset allocation was in fact ...
by Keepcalm
Fri May 26, 2017 2:12 am
Forum: Investing - Help with Personal Investments
Topic: House Down Payment vs Retirement
Replies: 8
Views: 1232

Re: House Down Payment vs Retirement

I am big on compromise, try to split the savings between the down payment and retirement. It may take a little longer to save for the house, but at least the compounding machine of retirement savings does not get interrupted. You could also look for a "luxury or two" that you could do wit...
by Keepcalm
Thu May 25, 2017 5:40 am
Forum: Investing - Help with Personal Investments
Topic: House Down Payment vs Retirement
Replies: 8
Views: 1232

House Down Payment vs Retirement

So I'm having a personal battle between prioritizing the savings rate towards my house down payment or prioritizing retirement. Right now to keep it simple, every source of income throughout the month, 20% gets transferred into my savings. I do this versus one lump transfer at months end to assure I...
by Keepcalm
Wed May 24, 2017 3:45 am
Forum: Investing - Help with Personal Investments
Topic: Government 457 options. Advice appreciated.
Replies: 5
Views: 505

Government 457 options. Advice appreciated.

So I have attached a photo I took of my options. Wasn't sure how else to attach it other then post the link to the photo hosting site I uploaded it to.

Suggestions on the fund list?

https://ibb.co/np1rHa
by Keepcalm
Thu May 18, 2017 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Why 20% House Down Payment?
Replies: 14
Views: 1937

Re: Why 20% House Down Payment?

VA loans.
by Keepcalm
Sun May 14, 2017 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on state employee pension.
Replies: 10
Views: 1231

Re: Thoughts on state employee pension.

To answer on a couple replies the pension is in addition to social security. The HR employee in general did not seem to know the details clearly for guys like me who ask certain details most don't. As far as she explained to me, contributions will roll over if I depart with the company prior to the ...
by Keepcalm
Sat May 13, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on state employee pension.
Replies: 10
Views: 1231

Thoughts on state employee pension.

Just picked up a county job that has a mandatory 7% towards the pension. It is 10 years to become vested. Problem is I was not using this employment for a career path so I'm not certain I will ever be fully vested. I was pretty thrown off that it was a mandatory state retirement system, so apparentl...

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