Search found 406 matches

by Tyler Aspect
Tue Oct 17, 2017 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Lump Sum Pension Guidance
Replies: 2
Views: 124

Re: Lump Sum Pension Guidance

You should consider rolling the pension lump sum payment into a traditional IRA account at Vanguard Brokerage. Balanced Funds are often worth considering if you are introduced to investing near retirement age. Putting half into Vanguard Balanced Index Fund, half into Vanguard LifeStrategy Conservati...
by Tyler Aspect
Tue Oct 17, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: SCHWAB PCRA - Investment help
Replies: 3
Views: 249

Re: SCHWAB PCRA - Investment help

30% SCHZ (Total Bond)
50% SCHB (US Total Stock)
20% SCHF (International Stock)
by Tyler Aspect
Tue Oct 17, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation for the "Risk" part of your portfolio
Replies: 6
Views: 510

Re: Allocation for the "Risk" part of your portfolio

Thank you it was meant to be more of a philosophical question. I'm at 60:40 overall (OK with that) but if I "take away" the bond portion that I set aside specifically for 15-20 years of expenses that leaves me with a 90:10 (Total Stock Index:Total Bond Index)for the rest of the portfolio. Just kind...
by Tyler Aspect
Mon Oct 16, 2017 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation for the "Risk" part of your portfolio
Replies: 6
Views: 510

Re: Allocation for the "Risk" part of your portfolio

For those of you in or near retirement and set with the "safety" portion of your nest egg (20x annual expenses in stable savings/investments), how are you allocating the growth (i.e., at risk) portion? I am currently at 90:10, but wondering if this might be too aggressive per "conventional" wisdom....
by Tyler Aspect
Sun Oct 15, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Why not CDs instead of Short Term Bonds or TIPS
Replies: 24
Views: 2833

Re: Why not CDs instead of Short Term Bonds or TIPS

In my 401k, I maintain some of my "safe" portfolio. This typically consists of taxable bond funds, TIPS funds, etc. This is part of my LP. Larry would of course recommend TIPS or ST Treasuries as part of this allocation. I recognize that TIPS are to protect from "unexpected" inflation. Of course, t...
by Tyler Aspect
Sun Oct 15, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: ETF Asset Allocation
Replies: 2
Views: 189

Re: ETF Asset Allocation

Age: 41 Sex: Male Country of Residence: Israel Pension Balance: $85,000 Work related Investment Account: $20,500 Emergency Fund: $10,000 ETF Investments: $36,000 (75% VWRD and 25% SAAA) Apartment Value: $940,000 Mortgage: $130,000 Hi guys - I'm rethinking my allocation between shares and bonds (ETF...
by Tyler Aspect
Sun Oct 15, 2017 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Buying funds/ETF through a bank
Replies: 2
Views: 223

Re: Buying funds/ETF through a bank

Honestly I do not know the answer to your questions. This is about the details of local financial regulations whose details are complicated by layers of contracts. Typically the Bogleheads have described Interactive Brokers as the least bad choice for oversea investors. Maybe that is where you shoul...
by Tyler Aspect
Sun Oct 15, 2017 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: international funds - brokerage account
Replies: 8
Views: 429

Re: international funds - brokerage account

creating a 3 international funds portfolio in my brokerage account I already have Vanguard Developed Markets Index Fund Admiral Shares (VTMGX) Vanguard Emerging Markets Stock Index Fund Admiral Shares (VEMAX) third fund recommendation? :sharebeer No additional funds needed. 5 portions of VTMGX to e...
by Tyler Aspect
Sun Oct 15, 2017 1:08 am
Forum: Investing - Help with Personal Investments
Topic: F.I.R.E. Portfolio help please
Replies: 7
Views: 1667

Re: F.I.R.E. Portfolio help please

I think your original allocation of 60% stock / 40% bond was more reasonable. You look at your business and real-estate income stream, and they appeared steady currently. However, these things are more stock like rather than bond like. In a recession these income streams becomes cost streams. If you...
by Tyler Aspect
Sat Oct 14, 2017 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: Need help starting out
Replies: 7
Views: 565

Re: Need help starting out

Thank you Tyler! I'm definitely thinking I'll want some international exposure. For bond allocation, I know I've heard Jack bring up Intermediate bonds like you have. Does having a bond allocation in the US total bond market protect you differently compared to Intermediate Bonds? The total bond mar...
by Tyler Aspect
Sat Oct 14, 2017 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: ETF index funds for hesitant Retiree
Replies: 7
Views: 596

Re: ETF index funds for hesitant Retiree

Returns during a recession will typically be bad several years in a row, so a measure such as the worst drawdown can be effective to show the result of multiple bad years. 80% stock / 20% bond, total return 2004 to 2014: 2.05X, worst drawdown: -47.6% 60% stock / 40% bond, total return 2004 to 2014: ...
by Tyler Aspect
Sat Oct 14, 2017 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Need help starting out
Replies: 7
Views: 565

Re: Need help starting out

Hey everyone! I'm a fairly young investor who has been hesitant about joining the market until I stumbled upon John Bogle. I've been fortunate enough to have ignored the advise of others who've tried to get me into traditional mutual funds. Really excited to learn and grow as an investor. Here is s...
by Tyler Aspect
Sat Oct 14, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Should I dump VHDYX or VTMFX?
Replies: 4
Views: 554

Re: Should I dump VHDYX or VTMFX?

Hi,
It would help if you posted in the format recommended in the pinned article "Asking Portfolio Questions".

Depending on the background information, the answer might range from keeping both funds, to dumping both funds. Did you buy these funds more than one years ago?
by Tyler Aspect
Sat Oct 14, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Looking to diversify investments
Replies: 9
Views: 836

Re: Looking to diversify investments

Thanks for the help so far! I'd ideally like to keep it down to two funds so one broad based international fund that covers both developed and emerging markets - that way I can actually contribute in a meaningful way to them. I'll read through the pdf, thanks for pointing me that way. My Vanguard a...
by Tyler Aspect
Sat Oct 14, 2017 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: ETF index funds for hesitant Retiree
Replies: 7
Views: 596

Re: ETF index funds for hesitant Retiree

First of all, my father passed away recently. He has left a good sum of money to my mother through several life insurance policies. The problem is my mom is my only parent to ever invest and that was during the 2000-2001 bubble burst. She has never invested since Therefore she is very scared of ris...
by Tyler Aspect
Sat Oct 14, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions on managing 401k when fees are high
Replies: 4
Views: 304

Re: Suggestions on managing 401k when fees are high

Our background: 401k: His 401k (age:34) 401k from employer-A ( former): 50K. 100% is in Vangurad target 2045 ( ER=0.06) Need options listed with expense ratios. 401K from employer-B ( current): 147K. 100% is in Fidelity Freedom 2050 ( ER=0.64%). { employer match-4% of annual base pay} Her 401k ( ag...
by Tyler Aspect
Fri Oct 13, 2017 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Municipal Bonds
Replies: 5
Views: 1223

Re: Municipal Bonds

You can build up your taxable account as the next bucket. The most important preparation step in investing is to thinking about how you will determine your asset allocation in terms of the percentages of stocks versus bonds. When we are young we can hold more stocks for a higher return. As we grow o...
by Tyler Aspect
Fri Oct 13, 2017 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with current market (voo,vti)
Replies: 48
Views: 1958

Re: Need help with current market (voo,vti)

The most important preparation step in investing is to thinking about how you will determine your asset allocation in terms of the percentages of stocks versus bonds. When we are young we can hold more stocks for a higher return. As we grow old then we should hold more bonds to have more stability. ...
by Tyler Aspect
Fri Oct 13, 2017 11:40 am
Forum: Investing - Help with Personal Investments
Topic: pay taxes from long term gains on a taxable account
Replies: 18
Views: 1315

Re: pay taxes from long term gains on a taxable account

You can just pay extra through a new W4 for your employer.
by Tyler Aspect
Thu Oct 12, 2017 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Reallocation
Replies: 3
Views: 176

Re: 401k Reallocation

Hi, currently my 401k has been 100% allocated to "Vanguard Institutional 500 Index Trust" what would be your advice to reallocate to: My available choices are listed below, 20 years to retirement, and lets just assume I have no other investment assets. Thanking in advance! I assume the 500 index ch...
by Tyler Aspect
Thu Oct 12, 2017 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Charitable trust aggressive asset allocation and impact on personal investments
Replies: 14
Views: 763

Re: Charitable trust aggressive asset allocation and impact on personal investments

Thank you everyone for the comments. If anyone has any comments on the original question regarding asset allocation of the trust itself, it would be appreciated. When you set an aggressive asset allocation for a trust, you are only considering the potential return. Stability of the trust is equally...
by Tyler Aspect
Wed Oct 11, 2017 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: Are we taking too much risk with Bonds in our AA?
Replies: 25
Views: 2014

Re: Are we taking too much risk with Bonds in our AA?

For my bond portion, I am carving out a major portion of it to split into two halves. One half is a CD ladder, while the other half is in VCIT (Intermediate term Corporate bond). This is out of the result of my intensive study of the fixed income markets in US.
by Tyler Aspect
Wed Oct 11, 2017 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put downpayment needed in 2 years.
Replies: 3
Views: 492

Re: Where to put downpayment needed in 2 years.

The traditional answer is to use a CD for the period where you are saving up money for a down-payment. Of course it will have poor return during this time. My personal take is that a house is a cost center that will absorb a lot of cash for its upkeep, and even during the run-up to purchase it. The ...
by Tyler Aspect
Tue Oct 10, 2017 12:54 am
Forum: Investing - Help with Personal Investments
Topic: Protecting against the possibility of a correction?
Replies: 45
Views: 3858

Re: Protecting against the possibility of a correction?

Any kind of "put" market insurance is fairly expensive over the long term. Also you have to remember any kind of option action you place there's a counter party doing the exact opposite thing. This is a picture of herds pushing each other to a stand-still. Die hard Bogleheads do not do options. We d...
by Tyler Aspect
Tue Oct 10, 2017 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Personal advice
Replies: 13
Views: 1785

Re: Personal advice

(deleted)
by Tyler Aspect
Mon Oct 09, 2017 7:29 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11628

Re: 100% in bond to wait for market crash?

You are the guy with 5 investment properties. I think that changes a lot where the proper balance is located. Also it is unclear if you intend to sell off all investments and move into bond, or merely allocate extra cash into bond type investments.
by Tyler Aspect
Mon Oct 09, 2017 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Bond help. 33 year old
Replies: 8
Views: 935

Re: Bond help. 33 year old

You can look at the typical Target Retirement series of funds in a 401k program. Usually the most conservative offering will have greater than 50% allocation to bonds. You may use Roth IRA to hold bonds if the bond offerings in your 401k program is terrible. Ticker symbol BND, or BIV are some of the...
by Tyler Aspect
Mon Oct 09, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Rental properties in lieu of bond in AA?
Replies: 29
Views: 932

Re: Rental properties in lieu of bond in AA?

Investment properties are some-what like individual stocks - not like bonds. CDs and traditional pensions are like bonds.
by Tyler Aspect
Mon Oct 09, 2017 10:54 am
Forum: Investing - Help with Personal Investments
Topic: What to do with maturing TIP funds
Replies: 4
Views: 317

Re: What to do with maturing TIP funds

Why not look at CD rates? One way to set up a quick and dirty CD ladder is to buy one half 6 year maturity CD and the other half 3 year maturity CD. You can use CDs to substitute the role usually reserved for US Treasuries. I will write up my brokered CD learnings in a presentation for South Bay Bog...
by Tyler Aspect
Sun Oct 08, 2017 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Charitable trust aggressive asset allocation and impact on personal investments
Replies: 14
Views: 763

Re: Charitable trust aggressive asset allocation and impact on personal investments

I think I would advise against a charitable remainder trust if you are still young. The better option would be to invest with a mix of tax advantaged accounts (401k), and taxable accounts. Donating some appreciated stocks to a Donor Advised Fund during some of your highest tax years would be the sup...
by Tyler Aspect
Sat Oct 07, 2017 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: I could use some advice on my IRA situation. Not sure what to do.
Replies: 15
Views: 1346

Re: I could use some advice on my IRA situation. Not sure what to do.

You can do a traditional IRA rollover to a Vanguard traditional IRA brokerage account. A simple way to allocate would be to invest in one thirds each in ticker symbol VTI, VT, and BND. This would be the equivalents to the "three funds" portfolio.
by Tyler Aspect
Sat Oct 07, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Need for inflation protection w/SS and/or inflation-adjusted pensions?
Replies: 9
Views: 680

Re: Need for inflation protection w/SS and/or inflation-adjusted pensions?

The size of the TIPs market is 5% of the size of the total bond market in the United States. In this way, I feel that market has already voted on the need for inflation protection, and the answer was a qualified "no". Could you expand on this? My understanding is that the limiting factor is the sup...
by Tyler Aspect
Fri Oct 06, 2017 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Need for inflation protection w/SS and/or inflation-adjusted pensions?
Replies: 9
Views: 680

Re: Need for inflation protection w/SS and/or inflation-adjusted pensions?

The size of the TIPs market is 5% of the size of the total bond market in the United States. In this way, I feel that market has already voted on the need for inflation protection, and the answer was a qualified "no".
by Tyler Aspect
Sun Sep 24, 2017 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: 31yo should I consider a VAC annuity?
Replies: 7
Views: 1299

Re: 31yo should I consider a VAC annuity?

https://www.imrf.org/en/members/original-eco-plan/voluntary-additional-contributions My take of this situation is that IMRF is taking an ill advised guarantee that could cost them in the long run. This thing could create unfunded pension liabilities in a market downturn. Trustees asleep at the wheel.
by Tyler Aspect
Sat Sep 16, 2017 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Bipolar Investor Wants to Roll The Dice
Replies: 12
Views: 1655

Re: Bipolar Investor Wants to Roll The Dice

With 1% of portfolio allocation an investment to Vanguard Healthcare ETF (VHT) might make sense. You can rationalize it as some kind of liability matching to higher projected medical cost. I agree that yolo-ing it would be a bad idea.
by Tyler Aspect
Sat Sep 16, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Critique
Replies: 4
Views: 538

Re: Portfolio Critique

So finally the main question: does anyone have a better way to objectively decide whether it would be in my best financial interest to pay off loans, invest in the market, purchase a home, or invest in a rental? If you are without debt, and married with kids, then buying a house would be an option ...
by Tyler Aspect
Sun Sep 03, 2017 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Any way to "translate" a fixed pension/annuity to an inflation adjusted one?
Replies: 23
Views: 1626

Re: Any way to "translate" a fixed pension/annuity to an inflation adjusted one?

My thought would be that an inflation adjusted pension is just a way of distributing pension income. Being inflation adjusted means the income stream would start smaller, and there is no guarantee that high inflation might be persistent in the future. In fact, any time when an insurance company is r...
by Tyler Aspect
Tue Aug 29, 2017 10:28 am
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans To Launch Total Corporate Bond ETF
Replies: 41
Views: 6299

Re: Vanguard Announces Plans To Launch Total Corporate Bond ETF

I view the ETF of ETF structure as a bootstrap mechanism. After the ETF gains significant asset, the fund manager can always ask for a re-org into a pure ETF if there is an advantage in doing so.
by Tyler Aspect
Sun Aug 27, 2017 3:33 pm
Forum: Investing - Theory, News & General
Topic: Cant get my head around this..All Bonds in non-taxable OR...
Replies: 23
Views: 3459

Re: Cant get my head around this..All Bonds in non-taxable OR...

It depends on the offering of the possible funds within a 401k account. If a diversified bond index fund is available within a 401k, then it is a slam-dunk to take advantage of them. However, often there is only one stock index fund in a 401k account, with all bond fund options having expense ratio ...
by Tyler Aspect
Sat Aug 26, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: 30 YO, new investor, next steps?
Replies: 6
Views: 812

Re: 30 YO, new investor, next steps?

An Australian Boglehead investor once told me that international investments should not be hedged in Australian dollars, because the hedge would weaken the strength of the international diversification. The ETF shares are probably the best options, because the retail funds have high expense ratios, ...
by Tyler Aspect
Fri Aug 25, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Investment funds for retirement.
Replies: 10
Views: 844

Re: Planning for retirement and general investment.

Welcome to Bogleheads. Since you are a young and beginner investor, I think that an asset allocation of 75% stock / 25% bond might work for you. Within the stock allocation you can have 1/4 in international stocks, with 3/4 being US stocks. The best options in your 401k are the Fidelity 500 Index Fu...
by Tyler Aspect
Wed Aug 23, 2017 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: IUSB vs BND
Replies: 4
Views: 375

Re: IUSB vs BND

Right now it is not the right time to buy junk bonds. You have to wait until the depth of recession when no one in their right mind will touch junk bonds, then it is the right time to buy some junk bonds.
by Tyler Aspect
Tue Aug 22, 2017 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Am I okay with my Vanguard Selections (after 2 years) & New 403B
Replies: 8
Views: 603

Re: Am I okay with my Vanguard Selections (after 2 years) & New 403B

Hi I joined the forum in 2015 and took advise on the forum to rollover previous 401k into Vanguard. Didn't pay much attention to accounts and wanted to see how I would do in 2 years (Plan to be more active as last 2 years have been pretty rough due to loss of parents). I got 6% return at Vanguard s...
by Tyler Aspect
Mon Aug 21, 2017 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: Bad to keep taxable acct solely in VTSAX?
Replies: 20
Views: 3298

Re: Bad to keep taxable acct solely in VTSAX?

Good evening BHs, I liquidated a taxable account with roughly $50k (~$7.5K in gains) from my bank which was charging a 1.2% ER. I somewhat hastily, just transferred this cash to Vanguard in VTSAX. My 401k and IRAs do have some bonds. Mutual funds won't be my primary source of income in retirement o...
by Tyler Aspect
Mon Aug 21, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: ETF index fund, anytime a good time?
Replies: 13
Views: 1257

Re: ETF index fund, anytime a good time?

Am new here, what about Boglehead thinking that factors out real estate. Investment real-estates generate return similar to stock. Residential real-estates are different, since you are just living in it instead of renting. After you are used to living in your own house even if you sell your house i...
by Tyler Aspect
Sun Aug 20, 2017 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Be careful with Passive Index ETFs
Replies: 14
Views: 2274

Re: Be careful with Passive Index ETFs

I think mainly this particular issue is not associated with the passive ETF, but the stop loss sell. Buy & hold Bogleheads don't use stop loss sells, so this is not a real issue for us. You do have to be careful with your ETF trades. The beginning and the end of the day may have higher volatility an...
by Tyler Aspect
Sun Aug 20, 2017 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: Which DAF allows you to grant from a selected investment?
Replies: 3
Views: 394

Re: Which DAF allows you to grant from a selected investment?

Fidelity's DAF supports what you want to do. There is an initial asset allocation selection, then each set of donation suggestions can withdraw in different portions among the allocation selections. For example, you can set up your allocation as 50% stock / 50% bond. If a week prior to a donation th...
by Tyler Aspect
Sun Aug 20, 2017 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice on Simplifying Large Taxable Retirement Portfolio
Replies: 23
Views: 2828

Re: Seeking Advice on Simplifying Large Taxable Retirement Portfolio

Welcome to Bogleheads. A typical asset allocation for someone who is retired runs from (60% stock / 40% bond) to (40% stock / 60% bond). Because of your asset level, any point in this range should work for you. A rule of thumb is to limit individual stock ownership to less than 10% of your asset. St...
by Tyler Aspect
Sat Aug 19, 2017 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie starting new job: Help choosing investments
Replies: 6
Views: 497

Re: Newbie starting new job: Help choosing investments

I agree that the ORP program's Fidelity index fund option is best. I looked at BlackRock's LifePath funds, and I think their LifePath Index Retirement Fund could be appropriate for you within the 457 plan. If you put in %5 in ORP, then another 5% 457 plan in BlackRock LifePath Index Retirement Fund,...