Search found 755 matches

by Stan Dup
Mon Apr 03, 2017 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Is this the time to invest?
Replies: 6
Views: 954

Re: Is this the time to invest?

Do whatever lets you sleep at night. It is your money.
by Stan Dup
Tue Mar 21, 2017 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Plans in a New Small Business
Replies: 6
Views: 431

Re: Retirement Plans in a New Small Business

Thank you for the replies.

I do not intend to have employees. But you never know; unexpected growth may require them.

So, the employer portion of a solo 401k seems like the best option? Allowing me to save up to 20% of my total income between the two jobs?
by Stan Dup
Mon Mar 20, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Plans in a New Small Business
Replies: 6
Views: 431

Retirement Plans in a New Small Business

I am in the beginning stages of starting a new small start up business. I anticipate it will be a part-time job for the first few years at least. Is there a way to shelter any income from this business? I am vaguely familiar that small businesses can have versions of the IRA or other plans. Can I sh...
by Stan Dup
Fri Mar 17, 2017 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Keeping money liquid or investing?
Replies: 20
Views: 2156

Re: Keeping money liquid or investing?

I was hoping to catch someone who is an expert at making money grow with lower risk and preserving capital. You need to be really cautious here. You may be thinking that you can invest without the risk of losing your principle. If the stock market takes a tumble then your investments WILL go down, ...
by Stan Dup
Thu Feb 23, 2017 9:07 am
Forum: Investing - Help with Personal Investments
Topic: How is my Boglehead Progress going??
Replies: 6
Views: 983

Re: How is my Boglehead Progress going??

It looks like you are doing well.

Skipping international bonds will make life easier when you rebalance: http://www.etf.com/sections/features/22 ... =1&start=2
by Stan Dup
Thu Feb 23, 2017 9:00 am
Forum: Investing - Help with Personal Investments
Topic: S&P at 22 times multiple
Replies: 40
Views: 4896

Re: S&P at 22 times multiple

I was about to write a whole litany of obvious predictions but that would just be snarky. Yes, the S&P is higher but so what? If your asset allocation is out of balance then rebalance. If you are feeling uncomfortable about losing too much in a downturn then your asset allocation is wrong for yo...
by Stan Dup
Wed Feb 22, 2017 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Switching from target retirement
Replies: 10
Views: 680

Re: Switching from target retirement

You will be so bored with investing that you will spend time responding to questions on forums.

That is a good thing.
by Stan Dup
Wed Feb 22, 2017 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: investing
Replies: 2
Views: 153

Re: investing

If you compare the Going Fishing Portfolio to a Three Fund Portfolio you will find that the TFP covers the same sectors with fewer funds.

Go with a TFP or even one of the target date funds. Simplicity is better; avoid unnecessary complexity.
by Stan Dup
Wed Feb 22, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Help with choosing funds
Replies: 11
Views: 609

Re: Help with choosing funds

Would this be a bad time to switch my entire 401k to theae funds with the prices being so high? Is it smarter to wait for low share prices when the market drops? You will be moving the money laterally. When there is a dip your old fund will go down to. Move it and do not worry. Also, If you want to...
by Stan Dup
Tue Feb 21, 2017 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Bond allocation
Replies: 3
Views: 343

Re: Bond allocation

Post some details of the fund. It sounds like a Stable Value Fund.
by Stan Dup
Fri Feb 17, 2017 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 199
Views: 32777

Re: Two Comma Club

Personally, I am working on my second million. The first one was way too hard! :D
by Stan Dup
Wed Feb 15, 2017 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Can I unify all my investment accounts in one?
Replies: 39
Views: 2037

Re: Can I unify all my investment accounts in one?

And excuse me if I sound clueless, but is buying individual stocks frowned upon here? Is this forum for funds only? I like index funds alright, and I do have those in my accounts. But I see nothing wrong with buying the right basket of stocks too. Many people here buy individual stocks but the gene...
by Stan Dup
Wed Feb 01, 2017 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Untangling from Edward Jones
Replies: 38
Views: 4428

Re: Untangling from Edward Jones

Have you decided how you are going to invest the money once your transfers are complete? I would get all of your money away from EJ and into Vanguard. Don't agonize over the fees. Just pay them and consider that they were the cost of tuition for learning about financial matters. Keeping your money a...
by Stan Dup
Mon Jan 30, 2017 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Untangling from Edward Jones
Replies: 38
Views: 4428

Re: Untangling from Edward Jones

retiredjg wrote:In the meantime, if your EJ rep has authorization to buy and sell without your approval, put a stop to that.



Do this first before you move anything.
by Stan Dup
Fri Jan 27, 2017 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Universal Life
Replies: 16
Views: 1523

Re: Universal Life

Cash it in and donate the money.
by Stan Dup
Tue Jan 17, 2017 11:33 am
Forum: Investing - Help with Personal Investments
Topic: My co-worker boasting about his investments. What do you think about his selections?
Replies: 57
Views: 5101

Re: My co-worker boasting about his investments. What do you think about his selections?

Send this to your co-worker: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=79324 This too: https://www.dropbox.com/s/vt9xqyjws0ankr5/Mensa.JPG?dl=0 At a recent Christmas party, someone I just met mentioned that he had just retired and was spending his time managing his investments. He wa...
by Stan Dup
Mon Jan 09, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance into cash
Replies: 44
Views: 3423

Re: Rebalance into cash

Spend some time reading this: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=79324 Be honest with yourself: you are not that smart. Wouldn't it be better to stop looking at your balances and just make your monthly contributions? Do this and over time you will be ahead of most investors. I...
by Stan Dup
Wed Dec 21, 2016 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 3-fund portfolio. Asset allocation and fund choices
Replies: 2
Views: 488

Re: Help with 3-fund portfolio. Asset allocation and fund choices

What other funds are available in your old 401k? You need to move all of that money to a lower cost fund, preferably a 500 index fund. Consider all of your money as one pile and then use the funds you have avalable in the most efficient manner. Here are some guidelines: https://www.bogleheads.org/wi...
by Stan Dup
Mon Nov 07, 2016 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Just getting started - Requesting guidance
Replies: 11
Views: 905

Re: Just getting started - Requesting guidance

retiredjg wrote:For now, I'd suggest just using a Target fund that contains everything rather than worrying about all those funds.


I agree with this advice. Keep it simple.
by Stan Dup
Fri Oct 14, 2016 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Safety in gold ?
Replies: 37
Views: 3057

Re: Safety in gold ?

His best bet is bank CDs, within the FDIC limits per individual per institution. With the FDIC behind it, essentially he cannot lose money. +10 on this advice. Keep his money in an FDIC insured bank (or the equivalent for a credit union). If he has more than $250,000 in the bank, tell him to move t...
by Stan Dup
Fri Oct 07, 2016 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Is it a good time to buy Total Bond Index (SCHZ) ?
Replies: 18
Views: 2031

Re: Is it a good time to buy Total Bond Index (SCHZ) ?

Bonds are for security, not growth. Yes it is a good time to buy because that is what your asset allocation says to do.
by Stan Dup
Tue Sep 13, 2016 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Is A Two-Fund Portfolio All You Really Need?
Replies: 44
Views: 6593

Re: Is A Two-Fund Portfolio All You Really Need?

Just be sure your Target Date funds are low cost. Some unscrupulous providers have them in 401Ks with significantly higher expense ratios than Vanguard would provide outside of a 401K.
by Stan Dup
Fri Sep 09, 2016 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard 8/17/16 Article: "A New Approach to Retirement Spending"
Replies: 31
Views: 3235

Re: Vanguard 8/17/16 Article: "A New Approach to Retirement Spending"

But it appear to me that the intent of the article was to promote the for-fee Vanguard Personal Advisors Services by saying the average Vanguard investor is unable to handle his/her investments in retirement. It's a Profit Deal!!!! :D https://www.youtube.com/watch?v=fKBRtdp2e98 Vanguard does have t...
by Stan Dup
Tue Aug 30, 2016 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Admiral Shares for Target Retirement Funds
Replies: 18
Views: 9574

Re: Admiral Shares for Target Retirement Funds

Don't you have to weigh in the cost of taking capital gains? Not everything is just about the difference in fees. If you can contribute 5-10k/mo into your account, this may not be a problem for account balances under 700k, but as the portfolio reaches 1M it may become more and more difficult to bal...
by Stan Dup
Tue Aug 23, 2016 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Boglehead advice in Chinese?
Replies: 10
Views: 1014

Re: Boglehead advice in Chinese?

Perhaps you can contact some bookstores where large Chinese communities are located, like in California. Picking up a phone would be best I think.

Assuming there are any bookstores left.
by Stan Dup
Tue Aug 23, 2016 10:45 am
Forum: Investing - Help with Personal Investments
Topic: High Income and Confused
Replies: 21
Views: 3514

Re: High Income and Confused

I am a refugee from Edelman. Please do not use them. I was paying 2% a year plus underlying expenses. In the long run that would have been ruinous to my retirement. Skip the Gone Fishing Portfolio. You can get similar results from simpler portfolios, like the Three Fund Portfolio and similar Lazy Po...
by Stan Dup
Mon Aug 22, 2016 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: where to start with investing
Replies: 9
Views: 979

Re: where to start with investing

This should get you started: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6211 https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 http://www.etf.com/docs/IfYouCan.pdf https://www.bogleheads.org/forum/viewtopic.php?f=10&t=88005 After you read more you will feel more comfort...
by Stan Dup
Thu Aug 18, 2016 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else getting nervous and converting to cash as a short-term move?
Replies: 116
Views: 12588

Re: Anyone else getting nervous and converting to cash as a short-term move?

Oh, I'm not freaking out... I have several investment accounts that are still fully invested in Stocks, Bonds and Mutual Funds. I'm very much still "in" the market. Then you need to familiarize yourself with the basics of boglehead investing and make your first post like this: https://www...
by Stan Dup
Wed Aug 17, 2016 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with my old 401K?
Replies: 12
Views: 900

Re: What to do with my old 401K?

You could do any one of those, yes.

Rolling it over to a Vanguard IRA will ensure that you have low cost funds to invest in. Just call them and talk to an adviser. They will do the work for you; they do it all the time.
by Stan Dup
Tue Jul 12, 2016 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Investing idea, evaluation is needed..
Replies: 14
Views: 735

Re: Investing idea, evaluation is needed..

lagflag wrote:"...and just sit back and relax receiving royalties checks every month"


Red flag
by Stan Dup
Wed Jul 06, 2016 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Why is everyone everywhere saying to buy gold?
Replies: 61
Views: 6088

Re: Why is everyone everywhere saying to buy gold?

For those who dismiss the value of gold, how do you counter its performance since the turn of the century? Gold has been a huge performer, a huge performer. Gold sits at 1375 as I type, I'm watching the markets right now. When I bought last year, it was sitting at a smidge over 1100...that's a dece...
by Stan Dup
Thu Jun 30, 2016 9:54 am
Forum: Investing - Help with Personal Investments
Topic: I think everyone should look into a home equity line of credit
Replies: 26
Views: 2138

Re: I think everyone should look into a home equity line of credit

I don't think banks will offer a HELOC if you are underwater on your primary loan, will they? Some areas of the country have not recovered.
by Stan Dup
Fri May 06, 2016 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: How much bonds AA?
Replies: 6
Views: 796

Re: How much bonds AA?

There is no correct answer.

No one will know what is best until after it is all over and you can look back.

The rule of thumb: Whatever lets you sleep at night. Increase bonds until you can.
by Stan Dup
Mon May 02, 2016 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Total Mkt. Fund or its Components?
Replies: 12
Views: 822

Re: Total Mkt. Fund or its Components?

What you are doing is called "tilting". Lots of people do it. Lots of people don't bother.

Do a search on that term.
by Stan Dup
Thu Apr 07, 2016 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Foxbusiness: Why Taxes, Not Fees are Retirement Savers' Biggest Enemy
Replies: 32
Views: 3908

Re: Foxbusiness: Why Taxes, Not Fees are Retirement Savers' Biggest Enemy

I see Ed Slott on PBS whenever they are doing a fundraiser. I listen for a few minutes and then change the channel. He comes across as another scammer. I don't understand how PBS can allow people like that to mislead their viewers.
by Stan Dup
Mon Apr 04, 2016 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor Touts a 6% Guaranteed Return Investment
Replies: 8
Views: 1221

Re: Financial Advisor Touts a 6% Guaranteed Return Investment

You were right to be suspicious. Run away, and stop attending "free" financial seminars. Spend you time here and learn more.

BTW: SPIAs are a good tool but you don't have to invest all of your money in one. Maybe invest a quarter or a third of it, and only later in life.
by Stan Dup
Fri Apr 01, 2016 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: SP 500 Index Fund vs Total Stock Market index fund
Replies: 55
Views: 20260

Re: SP 500 Index Fund vs Total Stock Market index fund

Amarowsky wrote:
dc81584 wrote:I wanted to start to carve my 401k in this image, but lack the option of a TSM.


Are you aware of this method to approximate the TSM?
https://www.bogleheads.org/wiki/Approxi ... ock_market

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