Search found 204 matches

by Tyler Aspect
Tue Jun 20, 2017 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: CD Ladder?
Replies: 11
Views: 1034

Re: CD Ladder?

I gave CD ladder construction some thought this year. I believe it is not a good idea to finish a CD ladder all in a single year, because you will get poor coupon rate on the year 1, and year 2 CD. If you are constructing the usual 5 year CD ladder, I would recommend to only purchase the year 5 and ...
by Tyler Aspect
Tue Jun 20, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: In need of suggestions and help
Replies: 5
Views: 365

Re: In need of suggestions and help

Thank you for the input, is there any downside to having more than one component to a profile (LS+ VIT/BND) such as more costs of management and ... . Also on a slightly non related issue is there costs associated to making changes to your portfolio, for example if I do a target fund and two years ...
by Tyler Aspect
Mon Jun 19, 2017 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: In need of suggestions and help
Replies: 5
Views: 365

Re: In need of suggestions and help

Welcome to Bogleheads. I think your question is restricted to your tradition IRA account with Vanguard. You are asking about how to reach a 65% stock / 35% bond asset allocation using balanced funds. One balanced fund that is close to your target allocation is Vanguard Lifestrategy Moderate Growth (...
by Tyler Aspect
Mon Jun 19, 2017 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Tips on Bond investment in fidelity
Replies: 8
Views: 546

Re: Tips on Bond investment in fidelity

There is also the Fidelity® U.S. Bond Index Fund (FSITX). Usually I would restrict bond funds to traditional IRA or rollover IRA accounts, unless they are already filled up with bond funds.
by Tyler Aspect
Fri Jun 16, 2017 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help me fix my company's 401k plan
Replies: 10
Views: 490

Re: Help me fix my company's 401k plan

If you can only add one fund then that should be a total bond market fund, either Fidelity US Bond Index Fund or Vanguard Total Bond Market Index. It would transform the 401k suite from terrible to marginally passable.
by Tyler Aspect
Fri Jun 16, 2017 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Account Advice
Replies: 8
Views: 832

Re: Retirement Account Advice

Asset allocation wise you are currently 70.8% stock / 24.2% bond / 5% cash. This is about right for your age. Investigate if you are able to contribute toward a tax advantaged account such as 401k, traditional IRA, or Roth IRA.
by Tyler Aspect
Fri Jun 16, 2017 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: REIT or CD Ladder
Replies: 5
Views: 432

Re: REIT or CD Ladder

What the market does is controlled by the condition of the economy. It doesn't follow the predictions of a single person. We really do not know when the next crash would occur. Although there are some economic indicators, such as interest rate compression that can hint toward a crash, the precise wa...
by Tyler Aspect
Thu Jun 15, 2017 12:06 am
Forum: Investing - Help with Personal Investments
Topic: Are taxes a good trade for some safety?
Replies: 9
Views: 1564

Re: Are taxes a good trade for some safety?

I agree with the observation that you have two balanced funds designed to cover between an early retirement allocation and a late retirement allocation. If you add something that is not one of these two funds, then you would go off the designed rail of your set-up. It is easy to pilot your original ...
by Tyler Aspect
Wed Jun 14, 2017 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement portfolio help
Replies: 15
Views: 1221

Re: Retirement portfolio help

I have read the forums for yrs and have learned so much, but I have a mess and need help. We retired 2.5 yrs ago, my husband 68, I am 66. He is receiving SS and I get 1/2 of his until age 70. We have pension/rental income $2,450 monthly. Own our home and no debt. The last 10 yrs had at least a 60/4...
by Tyler Aspect
Mon Jun 12, 2017 11:54 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Feedback: Overall Portfolio | CA resident
Replies: 2
Views: 398

Re: Requesting Feedback: Overall Portfolio | CA resident

As with many, I have been following Bogleheads for the past few years.This forum has fundamentally changed my approach to personal finance, and has allowed me to adopt an analytical, objective and confident attitude towards our planning and future goals. I continue to learn every day, and thank all...
by Tyler Aspect
Mon Jun 12, 2017 4:00 pm
Forum: Investing - Theory, News & General
Topic: Tell me a stock you like better than Google/Alphabet Right Now and Why
Replies: 100
Views: 6888

Re: Tell me a stock you like better than Google/Alphabet Right Now and Why

People who hold individual Google stock would subject themselves to risks of single factor advertising based revenue. I must also mention that consumers are wary of becoming dependent on Google abandon-ware technologies such as Picasa image editor, or Chrome box non-working parental controlled accou...
by Tyler Aspect
Sun Jun 11, 2017 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Retire Early?? Part 2: Withdrawal Strategy and Plan
Replies: 12
Views: 1671

Re: Retire Early?? Part 2: Withdrawal Strategy and Plan

The general approach to retirement withdrawal in the early retirement phase is to sell stock from taxable account in early January to fund one year's living expense. Late in the year you convert enough regular IRA to Roth IRA that would take you near the top of the 15% tax bracket. This will minimiz...
by Tyler Aspect
Thu Jun 08, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: Dave Ramsey Financial Peace University ??? worth it?
Replies: 120
Views: 6931

Re: Dave Ramsey Financial Peace University ??? worth it?

I listened to his Financial Peace University content on CD a year ago. I find his material useful for someone trying to reduce debt. His investing advice was very poor however. Dave Ramsey had vested interests to promote his financial advisor network.
by Tyler Aspect
Thu Jun 08, 2017 5:22 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Across Accounts
Replies: 3
Views: 454

Re: Asset Allocation Across Accounts

Questions: 1. To minimize wash sales as much as possible during tax loss harvesting, I’ve tried to hold different yet similar stocks across my taxable and non-taxable accounts. Eg. Vanguard 500 Index Fund vs. Vanguard Total Stock Market. Does anyone else try to avoid wash sales across taxable / non...
by Tyler Aspect
Tue Jun 06, 2017 12:10 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Account Advice for intermediate term
Replies: 7
Views: 864

Re: Taxable Account Advice for intermediate term

One area of concern is the individual stocks of technology in nature. Their performance would be very related to your job prospect. When your job situation is shaky from industry wide situation then these stocks could be hit as well - a potential double whammy situation. On the topic of intermediate...
by Tyler Aspect
Mon Jun 05, 2017 11:26 pm
Forum: Investing - Help with Personal Investments
Topic: Please advise me on basic strategies for 3 fund portfolio
Replies: 8
Views: 817

Re: Please advise me on basic strategies for 3 fund portfolio

Another vote for the standard operating procedure. You can speed up the transition by harvesting capital gains from the taxable account to the top of the 15% bracket without incurring additional taxes. You can use the tax estimator listed below. Enter the estimated figures for the current year, and ...
by Tyler Aspect
Mon Jun 05, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Bond Ladder Floor - Retirement Plan.
Replies: 25
Views: 2102

Re: Bond Ladder Floor - Retirement Plan.

A TIPS ladder is typically bought to mature at each year of retirement to provide income. Say if I want $10k in today's dollar in 10 years, a 10 year TIPS for $10k will do that. A TIPS fund however fluctuates just like any other fund, and will not guarantee that payment. Yield is not accounted for ...
by Tyler Aspect
Mon Jun 05, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: 28 years old - contributing more to retirement vs. loan payoff
Replies: 15
Views: 1112

Re: 28 years old - contributing more to retirement vs. loan payoff

Hi everyone. I am new to posting on this forum but have been reading it pretty religiously for the past few months as I try and get a hold of me and my husband's finances as we got married in November of last year. I am finding myself quickly overwhelmed and wondering if I am contributing too much ...
by Tyler Aspect
Mon Jun 05, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Bond Ladder Floor - Retirement Plan.
Replies: 25
Views: 2102

Re: Bond Ladder Floor - Retirement Plan.

I thought about the idea of a TIP ladder a while ago, but I decided to purchase an intermediate term TIPs mutual fund from Vanguard. It is not worth the complexity of making a ladder when a low cost fund is readily available. Now I am more in favor of a CD ladder, because CD is not available in a fu...
by Tyler Aspect
Mon Jun 05, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Question regarding bonds in taxable accounts - muni bond fund recommended?
Replies: 18
Views: 999

Re: Question regarding bonds in taxable accounts - muni bond fund recommended?

Yes, I realize this single stock is by far the biggest factor in our portfolio. These most rational thing to do is to liquidate it and buy index funds, however humans aren't always rational. There is admittedly some sentimentality involved. This stock was inherited 25 years ago so the cost basis is...
by Tyler Aspect
Mon Jun 05, 2017 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Received inheritance, feel paralyzed as to what to do next
Replies: 16
Views: 2083

Re: Received inheritance, feel paralyzed as to what to do next

I have one book recommendation, and it is "The Index Card: Why Personal Finance Doesn't Have to Be Complicated" written by Helaine Olen and Harold Pollack. It is a quick read and contains an effective summary of the best practices. Balanced funds are suitable for inexperienced investors wi...
by Tyler Aspect
Sun Jun 04, 2017 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: Do municipal bond funds make sense for me?
Replies: 8
Views: 833

Re: Do municipal bond funds make sense for me?

Since you are a high income earner, you can be slightly conservative in your planned asset allocation and still reach your retirement goal. Generally it is advantageous to hold bond funds within a tax deferred account. So it is only after the entire 401k and Roth IRA accounts are filled with bonds t...
by Tyler Aspect
Sat Jun 03, 2017 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Making sure Mom has strategy for retirement
Replies: 14
Views: 1444

Re: Making sure Mom has strategy for retirement

Helping an elderly family friend decipher a lifetime of accumulated wealth over multiple accounts. The person has anxiety on some life changes: sale of previous home, renovation of new home, and figuring out a budget for their next stage in life. Income: $12,000 SS. Home Sale Proceeds: $500,000. De...
by Tyler Aspect
Sat Jun 03, 2017 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing the right Short term Bond ETF
Replies: 7
Views: 489

Re: Choosing the right Short term Bond ETF

Some good candidates for short term bond ETFs would be Vanguard Short-Term Bond ETF (BSV), Vanguard Short-Term Corporate ETF (VCSH), or Vanguard Short-Term Government Bond ETF (VGSH).
by Tyler Aspect
Wed May 31, 2017 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited Nuveen Fund
Replies: 7
Views: 505

Re: Inherited Nuveen Fund

NAC is a frequent target of yield chasing. The price of its long bonds will get hit hard if interest rate rises.
by Tyler Aspect
Tue May 30, 2017 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Cost basis question: when you don't know it.
Replies: 49
Views: 9864

Re: Cost basis question: when you don't know it.

I would write "received stock as gift prior to company's IPO with unknown basis; selected basis of $0" in schedule C and be done with it.
by Tyler Aspect
Tue May 30, 2017 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: how do you invest the bond portion of your portfolio
Replies: 19
Views: 1858

Re: how do you invest the bond portion of your portfolio

My current asset allocation is 56% stock / 41% bond / 3% cash.

Bond allocation is:
30% GNMA
10% short-term Treasury
25% long-term Treasury
25% CD
10% TIPS

I am roughly following the outline of the total bond market, but with safer substitutes in certain places.
by Tyler Aspect
Tue May 30, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 5
Views: 580

Re: Portfolio Advice

I need some help with my retirement portfolio. I have recently read the Bogglehead’s Guide to Investing and have been doing research on this site. I am realizing that my portfolio may need a lot of work. My wife and I have been contributing to our 401k’s for approximately 10 years. Admittedly, we h...
by Tyler Aspect
Mon May 29, 2017 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: California municipal / VCLAX
Replies: 15
Views: 1336

Re: California municipal / VCLAX

When will interest rates rise and to how high? The conventional wisdom seems to be dated and wasting yields Take a look at this historical interest rate chart. Notice how at the top of the peaks the curves converge together. We can't be sure every time it is going to be the same pattern, but it is ...
by Tyler Aspect
Sun May 28, 2017 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Idea for Fun Money Account, Good, Bad or Ugly?
Replies: 32
Views: 1859

Re: Idea for Fun Money Account, Good, Bad or Ugly?

I have a very small portion in a Fidelity healthcare ETF. Perhaps excessive, but rational.
by Tyler Aspect
Sun May 28, 2017 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: How to return 5% with low risk?
Replies: 15
Views: 2180

Re: How to return 5% with low risk?

I plant to retire next year, and I need to return an average annualized rate of 5% on my investments to live comfortably. I realize that I could put all my money in an S&P index fund and probably do far better than 5%. But I am willing to sacrifice higher expected returns in exchange for not ha...
by Tyler Aspect
Sun May 28, 2017 12:27 am
Forum: Investing - Help with Personal Investments
Topic: California municipal / VCLAX
Replies: 15
Views: 1336

Re: California municipal / VCLAX

The number one rule of bond investing is not to chase yields. When the yield is high, then it must be the case that the net asset value is not stable. When you look at the yield of NAC, Morningstar shows 5.5%. That abnormally high yield is reason enough to exclude it from consideration. Because the ...
by Tyler Aspect
Sat May 27, 2017 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: California municipal / VCLAX
Replies: 15
Views: 1336

Re: California municipal / VCLAX

Thanks. My original question is lets say one wants to buy california municipal. What is the best strategy? : how does VCLAX compared to NAC/VCV/PZC/PCK etc. Everything on your list are closed end mutual funds. Closed end mutual funds represent a static pool of investments. They usually have higher ...
by Tyler Aspect
Sat May 27, 2017 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: California municipal / VCLAX
Replies: 15
Views: 1336

Re: California municipal / VCLAX

where can I buy VCLAX with no transaction fee, besides opening account at vanguard? anyway to bypass 50K min? How does VCLAX compare to NAC/NKX/VCV/PZC/PCK? Thanks!! VCLAX is the admiral class of Vanguard California Long-Term Tax-Exempt Fund. Long term bond funds are more sensitive to loss in net a...
by Tyler Aspect
Fri May 26, 2017 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Looking for advice/reassurance on what to do with $4-5m
Replies: 63
Views: 5791

Re: Looking for advice/reassurance on what to do with $4-5m

Emergency Funds: Yes Debt: ~$380k left on 30 year fixed home mortgage (7 years in; 3.7%-ish?). No other debt. Cars paid for in cash. Tax Status: Married, jointly file (or head of household?). I'm guilty of not paying too close attention. Age: 35 Kids: 2 under 5 years old Location: Not a major city ...
by Tyler Aspect
Fri May 26, 2017 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Move cash from Ally to Vanguard?
Replies: 5
Views: 1253

Re: Move cash from Ally to Vanguard?

I think purchasing a one year treasury bill at Vanguard brokerage would be pretty close to what you would get at Ally in terms of yield and government guarantee.
by Tyler Aspect
Wed May 24, 2017 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation Feedback
Replies: 1
Views: 191

Re: Portfolio Allocation Feedback

I think you should have some short term bonds to fire proof high inflation regimes. This reminds me of the Portfolio Charts sample portfolios where every one of them is equally sized.
by Tyler Aspect
Wed May 24, 2017 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: Maximize number of ETFs in taxable account to maximize Tax Loss Harvesting opportunities?
Replies: 18
Views: 908

Re: Maximize number of ETFs in taxable account to maximize Tax Loss Harvesting opportunities?

There are some very interesting possibilities in the fixed income side. If you look at the government bond index, the Vanguard offering is 1 to 3 years, and 3 to 10 years maturity, while the Fidelity offering is 1 to 5 years, and 5 to 10 years maturity. This neatly side-steps "substantial ident...
by Tyler Aspect
Wed May 24, 2017 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Limited Vanguard 457 options... where to invest?
Replies: 5
Views: 441

Re: Limited Vanguard 457 options... where to invest?

Vanguard(R) LifeStrategy(R) Conservative Growth Fund 0.13% Vanguard(R) Total Stock Market Index Fund - Institutional Shares 0.04% The key to low cost is in the ratio between these two funds. LifeStrategy Conservative Growth is 40% stock / 60% bond, while total stock market is 100% stock. Depending ...
by Tyler Aspect
Wed May 24, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Investing FOR Retirement vs Investing IN Retirement
Replies: 25
Views: 2477

Re: Investing FOR Retirement vs Investing IN Retirement

There are a few differences, one being that investing in retirement is more defense oriented. Particularly on the fixed income side there is a more preference toward safe investments. Where total bond market is good enough while in the accumulation phase, when we are retired the chance for default n...
by Tyler Aspect
Wed May 24, 2017 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 401k advice
Replies: 8
Views: 503

Re: Vanguard 401k advice

Hello, I am 54 - playing catchup in a major way. Recently started a position with the below options. I have less than 100k in a 401k that I will roll over from OneAmerica (awful thing). Any suggestions on allocation would be most welcome and appreciated. Vanguard Total Bond Mkt Ix Ist Pls VBMPX 085...
by Tyler Aspect
Wed May 24, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Tea recommendations
Replies: 10
Views: 1109

Re: Tea recommendations

I have made online purchases from Teance and Red Blossom Tea Company before. Teance's best seller in Chinese Green Tea is Lu Shan Clouds and Mist. A good Oolong tea for beginners I can recommend Tung Ting tea. I brew my tea using a steel tea infuser in a Pyrex glass measuring cup (the minimum config...
by Tyler Aspect
Tue May 23, 2017 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Asymmetrical Risk-Reward in Tax-Deferred Accounts?
Replies: 5
Views: 446

Re: Asymmetrical Risk-Reward in Tax-Deferred Accounts?

Just a thought... With that amount of money I think you could switch to a 60% stock / 40% bond allocation right this moment to preserve what you have accumulated without that much cost to you.
by Tyler Aspect
Tue May 23, 2017 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Asymmetrical Risk-Reward in Tax-Deferred Accounts?
Replies: 5
Views: 446

Re: Asymmetrical Risk-Reward in Tax-Deferred Accounts?

One factor is the proportion of your tax deferred account versus your taxable account. One good way to minimize tax is to withdraw from an all stock taxable account from retirement until age 70.5. Convert a portion of tax deferred account to Roth IRA each year. This would reduce the tax bite of RMD ...
by Tyler Aspect
Tue May 23, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Gifted stocks cost basis
Replies: 7
Views: 537

Re: Gifted stocks cost basis

I was definitely reporting the dividends/distributions (and paying taxes) on these since taking ownership of the account. If you have a hard time figuring out cost basis there is the possibility of opening a donor advised fund and contributing with these stocks to get tax deductions without having ...
by Tyler Aspect
Tue May 23, 2017 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Emergency Fund
Replies: 33
Views: 3839

Re: Investing Emergency Fund

Emergency cash can be invested in one year treasury bills. They are yielding around 1.1% at this moment, and interest tax-deferred for one year. They can be sold on the secondary market if you need the money.
by Tyler Aspect
Tue May 23, 2017 1:34 pm
Forum: Investing - Theory, News & General
Topic: Case against long-term TIPS
Replies: 47
Views: 7672

Re: Case against long-term TIPS

One thought I have is that TIPS can lose their principle when there is deflation, where non-TIP varieties stay put. My current thinking on inflation fighting with fixed income instruments is based on holding multiple bond types, keeping some cash, and dialing in more short term bonds.
by Tyler Aspect
Tue May 23, 2017 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review for 2017 Contribs
Replies: 2
Views: 339

Re: Portfolio Review for 2017 Contribs

Emergency funds: 6 to 9 months in cash Debt: Mortgage at 3.25% with 150k balance remaining Tax Filing Status: MFJ with 2 dependents under age 4 Tax Rate: 25% Federal, 4.5% State State of Residence: OH Age: 31, spouse 32 Desired Asset allocation: 85% stocks / 15% bonds Desired International allocati...
by Tyler Aspect
Mon May 15, 2017 3:17 pm
Forum: Investing - Theory, News & General
Topic: Best way to hold Treasury Bills???
Replies: 37
Views: 3423

Re: Best way to hold Treasury Bills???

Some of you reading this thread, especially those concerned about the low yield, might enjoy this new article: UNDERSTANDING CASH WILL MAKE YOU A BETTER AND HAPPIER INVESTOR https://portfoliocharts.com/2017/05/12/understanding-cash-will-make-you-a-better-and-happier-investor/ Very interesting indee...

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