Search found 210 matches

by Van-Guard23
Sun Jun 11, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: Vue/Sling tv users--what do you miss?
Replies: 43
Views: 2560

Re: Vue/Sling tv users--what do you miss?

We've had SlingTV and digital antenna(s) for a while now and I can't say I miss anything. When I had cable TV, we mainly watched ESPN, CNN, HGTV, History, Travel, AMC, A&E, DIY Network, Food Network, and occasionally Golf, TNT and TBS...come to think of it, since SlingTV doesn't carry the Golf c...
by Van-Guard23
Wed May 10, 2017 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Treatment of inherited stocks from ESPPs
Replies: 2
Views: 187

Re: Treatment of inherited stocks from ESPPs

I don't understand why they would issue a W-2. The discount is taxed as compensation in the year that the purchase is made. After that, any additional profit from the sale is capital gains, and should not generate a W-2--which is for wage income. She should have gotten a 1099-B. That's what I thoug...
by Van-Guard23
Wed May 10, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Treatment of inherited stocks from ESPPs
Replies: 2
Views: 187

Treatment of inherited stocks from ESPPs

My wife became a co-trustee of a Living Trust set up for MIL and FIL when MIL passed away in December. We are in the process of transferring her mom's assets (stocks from former employer as well as individual company stocks which issued paper certificates) from multiple brokerages (beneficiary was n...
by Van-Guard23
Sun Apr 30, 2017 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Are my concerns valid about homeowners insurance?
Replies: 16
Views: 2248

Re: Are my concerns valid about homeowners insurance?

Just an update for those who might be able to benefit from additional information regarding this matter. After trying to speak with the local JAG officer (military lawyers) here in Hawaii, they deferred to lawyers in AZ for answers to our questions about additional liability stemming from my wife's ...
by Van-Guard23
Sat Apr 29, 2017 3:35 am
Forum: Local Chapters and Bogleheads Community
Topic: Hawaii Bogleheads, where are you?
Replies: 25
Views: 2719

Re: Hawaii Bogleheads, where are you?

Just to update, based on responses to this thread, I count the following BHs on Oahu: bgrpph (Hawaii Kai) Cunobelinus (Kailua) Nords (Mililani) *novicemoney (Salt Lake) *t3ztam3nt (Mililani) Van-Guard23 (Ocean Pointe) 808surfboy (HNL) brother7 (HNL) *AgentHoopla (HNL) *mikesaurus (Kaneohe) * denotes...
by Van-Guard23
Tue Apr 18, 2017 3:19 am
Forum: Personal Finance (Not Investing)
Topic: USAA and Haven Life (Mass Mutual) Life Insurance Quotes
Replies: 12
Views: 1330

Re: USAA and Haven Life (Mass Mutual) Life Insurance Quotes

Just updating everyone here.... USAA came back with double the quote for my 30 year 500k policy. They said that my asthma pushed me into the $79/month range. I was provided no opportunity to clarify that my condition has been under control since 10th grade and this was allergy related. Haven Life s...
by Van-Guard23
Sun Apr 16, 2017 10:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hawaii Bogleheads, where are you?
Replies: 25
Views: 2719

Re: Hawaii Bogleheads, where are you?

OK...so far, I count the following BHs on Oahu: bgrpph (Hawaii Kai) Cunobelinus (Kailua) Nords (Mililani) novicemoney (Salt Lake) t3ztam3nt (Mililani) Van-Guard23 (Ocean Pointe) 808surfboy (HNL) brother7 (HNL) If everyone is interested in meeting and forming a local BH chapter, I would be more than ...
by Van-Guard23
Sat Apr 15, 2017 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Are my concerns valid about homeowners insurance?
Replies: 16
Views: 2248

Re: Are my concerns valid about homeowners insurance?

What about personal liability insurance. Assuming you have that already, would it already (and if not could it be extended to) include this property and could the limits be increased to a level where you feel adequately covered for all likely risks? We do have an umbrella insurance policy (indirect...
by Van-Guard23
Sat Apr 15, 2017 3:20 am
Forum: Personal Finance (Not Investing)
Topic: Are my concerns valid about homeowners insurance?
Replies: 16
Views: 2248

Re: Are my concerns valid about homeowners insurance?

Iridium, Thanks for your feedback...I don't know if I would be able to answer all the follow-up questions you posed as I wouldn't be able to contact USAA until Monday to discuss this arrangement as well as how it may impact our own insurance policies, if it does at all.With the trust as the insured,...
by Van-Guard23
Fri Apr 14, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Are my concerns valid about homeowners insurance?
Replies: 16
Views: 2248

Re: Are my concerns valid about homeowners insurance?

dbr and littlebird,
I am hoping someone could shed some light on this and assuage my concerns about the whole arrangement...but as you both wrote, there's just something unsettling about an unknown that could potentially be problematic.

VG23
by Van-Guard23
Fri Apr 14, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Are my concerns valid about homeowners insurance?
Replies: 16
Views: 2248

Are my concerns valid about homeowners insurance?

My wife was named a co-trustee with her father of a house in a 55+ active adult community in AZ (and other assets that are part of a living trust) after her mother passed away last December and with her dad's ongoing issues with dementia. The house, which is currently being prepared for rental, need...
by Van-Guard23
Wed Apr 12, 2017 4:29 am
Forum: Local Chapters and Bogleheads Community
Topic: Hawaii Bogleheads, where are you?
Replies: 25
Views: 2719

Re: Hawaii Bogleheads, where are you?

Nords and I are both on Oahu...I think he told me he previously tried to start a BH chapter here but there wasn't enough interest in it. I can't recall how long ago that was though.
by Van-Guard23
Sat Mar 11, 2017 5:47 pm
Forum: Investing - Theory, News & General
Topic: instant xray at Morningstar
Replies: 18
Views: 1506

Re: instant xray at Morningstar

My local library has a M* account and I just log on to M* using my library card number and get full access. Try that.
by Van-Guard23
Tue Feb 28, 2017 3:03 am
Forum: Personal Consumer Issues
Topic: Traveling to Italy - 3 weeks in 2017, advice appreciated
Replies: 119
Views: 9745

Re: Traveling to Italy - 3 weeks in 2017, advice appreciated

I am looking at the options of booking a few tours. Family of 4, two kids 12 and 14. Looking for advice on tours that you really liked while in the following places: Venice: 3 nights - probably no tours, just get acclimated Florence: 4 days - bike tour? trip to Siena? Lucca: 2 nights - no tours, bi...
by Van-Guard23
Wed Feb 22, 2017 4:42 am
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 20449

Re: Sad News About a Respected Forum Member

I, personally, have been a recipient of Ole Meph's sage advice when it comes to all things related to insurance...not just from his well thought out posts but through PMs. His vast experience and expertise in the insurance industry were exceeded only by his generosity in sharing his knowledge and ti...
by Van-Guard23
Sun Feb 19, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: Any reason to delay using Turbotax to file taxes?
Replies: 13
Views: 1782

Re: Any reason to delay using Turbotax to file taxes?

If you are military, have you tried using H&R Block software for free via militaryonesource.com? I've been doing my taxes through H&R Block software for free from militaryonesource for a few years now...then sometimes take it to the VITA tax volunteers on post for a second set of eyes. Invar...
by Van-Guard23
Sun Feb 19, 2017 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: 100% Stock Portfolio? - 20s Military Investor
Replies: 13
Views: 1522

Re: 100% Stock Portfolio? - 20s Military Investor

Link948, First of all, thank you for your service. Congratulations on being ahead of your peers with regards to financial planning...I imagine most of them are more focused on partying than financial management. I know I was when I was a 2LT. Both my wife and I are now financially independent retire...
by Van-Guard23
Fri Feb 17, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Vietnam
Replies: 31
Views: 3019

Re: Vietnam

Visited Vietnam back in 2009 with wife and daughter. We spent just over a week there and went to Saigon/HCMC, Hanoi and Ha Long Bay. Ha Long Bay was by far the highlight of our trip and well worth visiting. We went on an overnight cruise aboard a luxurious junk boat and our Vietnam vacation remains ...
by Van-Guard23
Wed Feb 15, 2017 5:26 am
Forum: Personal Consumer Issues
Topic: I want to ditch the cable company's modem
Replies: 51
Views: 3941

Re: I want to ditch the cable company's modem

I replaced my modem a while ago. I don't know if your ISP is similar to mine but mine had a list of modems that would work on their network. You might want to check your ISP's website to verify the modem you are considering is on their "preferred" list of modems before purchasing one.
by Van-Guard23
Sat Feb 11, 2017 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Modest Inherited IRA - cash out or keep as Inherited IRA?
Replies: 5
Views: 932

Re: Modest Inherited IRA - cash out or keep as Inherited IRA?

Would the IRA distribution plus any dividends and cap gains be large enough to make any of his SS taxable? No, it shouldn't...again, we are talking about minimal amounts If not, moving the IRA and keeping up with RMDs seems like a lot work relative to any potential benefit you FIL would get out of ...
by Van-Guard23
Fri Feb 10, 2017 4:34 am
Forum: Personal Finance (Not Investing)
Topic: Modest Inherited IRA - cash out or keep as Inherited IRA?
Replies: 5
Views: 932

Modest Inherited IRA - cash out or keep as Inherited IRA?

I have previously posted about my MIL's death prior to Christmas and how she left my FIL, who has dementia and is 76 years old in poor health, with a modest taxable account in the low six-figures (which sadly has to go through probate since she didn't designate any beneficiaries) and an IRA (in an a...
by Van-Guard23
Wed Feb 08, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Bank with EWPs on CDs significantly higher than the paid interests/dividends?
Replies: 31
Views: 2037

Re: Bank with EWPs on CDs significantly higher than the paid interests/dividends?

Should be the last update. Wife went to the bank this morning to break the CD and transfer funds to FIL's checking and was not charged any EWP at all. She spoke to the bank manager who attributed the "mistake" to a new employee who needed additional training. Of course the bank manager did...
by Van-Guard23
Tue Feb 07, 2017 11:50 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 171
Views: 28735

Re: USAA 2.5% Cash Back Credit Card

Finally! Been keeping track of this for a while and it is finally available in Hawaii. Should get mine in a few days.
by Van-Guard23
Tue Feb 07, 2017 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Bank with EWPs on CDs significantly higher than the paid interests/dividends?
Replies: 31
Views: 2037

Re: Bank with EWPs on CDs significantly higher than the paid interests/dividends?

OP here. Just an update, my wife was re-looking my in-laws' pile of old paperwork and just happened upon the original Deposit Account Disclosure for the Flexible CD from back in April 2005 (so I would imagine the CD was "automatically" renewed probably 7 or 8 times since it was opened). Lo...
by Van-Guard23
Sat Feb 04, 2017 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Banking ATM card with no international ATM fees and foreign exchange fees
Replies: 15
Views: 1290

Re: Banking ATM card with no international ATM fees and foreign exchange fees

I use Schwab's High Yield Investor Checking Account for my international travels. It is linked to a Schwab brokerage account but you don't have to fund it. No ATM fees worldwide (reimbursed), no minimums, no maintenance fees and have used it all throughout Europe and Asia with no issues. It even ear...
by Van-Guard23
Tue Jan 31, 2017 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Do I use Effective or Marginal Tax Rate to Decide on tIRA vs Roth?
Replies: 26
Views: 2083

Re: Do I use Effective or Marginal Tax Rate to Decide on tIRA vs Roth?

DH maxed out the Roth TSP (deployment is tax free so I've just kept his in the Roth) Sophia, In case you didn't know, and if your DH is still deployed in a combat zone, higher TSP contribution limits apply, to the tune of $54k per calendar year for 2017! When my wife and I were both deployed to Afg...
by Van-Guard23
Fri Jan 27, 2017 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Questions about probate and tax returns after MIL's passing
Replies: 15
Views: 1689

Re: Questions about probate and tax returns after MIL's passing

Sorry for your loss. I have been through and are wrapping up the process of wrapping up my father's estate/ estate income tax return. I know you said it- definitely make sure you get a good CPA, and consult with a reputable attorney as well.When my father passed the life insurance policy granted us...
by Van-Guard23
Fri Jan 27, 2017 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Bank with EWPs on CDs significantly higher than the paid interests/dividends?
Replies: 31
Views: 2037

Re: Bank with EWPs on CDs significantly higher than the paid interests/dividends?

I would first investigate the effect of one of the owners dying on the withdrawal penalty. If there is no way around this, I would either take the financial hit if they really need the money now, or I would hold the CD until maturity, and in either case then never darken the door of that bank again...
by Van-Guard23
Wed Jan 25, 2017 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Bank with EWPs on CDs significantly higher than the paid interests/dividends?
Replies: 31
Views: 2037

Re: Bank with EWPs on CDs significantly higher than the paid interests/dividends?

Unfortunately, according to a bankrate article, high EWP's are a new phenomenon. The article cites several banks paying low interest rates, 0.15% to 0.25%, but with EWP's of 2.5%. One bank even charged 4% of the withdrawn amount if you took a partial withdrawal. http://www.bankrate.com/finance/cd/c...
by Van-Guard23
Wed Jan 25, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about probate and tax returns after MIL's passing
Replies: 15
Views: 1689

Re: Questions about probate and tax returns after MIL's passing

Just an update. After my wife's meeting with the estate lawyer, she was named a co-trustee of the living trust with her father (my FIL)...for an additional $850! When she inquired about the pour-over will and any expectations of that will transferring assets into the living trust upon my MIL's death...
by Van-Guard23
Wed Jan 25, 2017 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Bank with EWPs on CDs significantly higher than the paid interests/dividends?
Replies: 31
Views: 2037

Re: Bank with EWPs on CDs significantly higher than the paid interests/dividends?

This doesn't make sense. One would think that the maximum EWP would be 18 months of interest, the full term of the CD. I've never seen an EWP that was greater than the earnings potential of the CD. I would ask the bank exactly how they are calculating the EWP and also about the withdrawal on death ...
by Van-Guard23
Wed Jan 25, 2017 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Bank with EWPs on CDs significantly higher than the paid interests/dividends?
Replies: 31
Views: 2037

Re: Bank with EWPs on CDs significantly higher than the paid interests/dividends?

Was the MIL the owner of the CD? Did you check if it allowed for redemption by the beneficiary on death? Not sure what would happen on a joint CD even if it had the survivor option (or death benefit or death put by other names) though. It was a joint account...and they wouldn't waive the EWP[ That ...
by Van-Guard23
Wed Jan 25, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Bank with EWPs on CDs significantly higher than the paid interests/dividends?
Replies: 31
Views: 2037

Re: Bank with EWPs on CDs significantly higher than the paid interests/dividends?

in_reality wrote:Was the MIL the owner of the CD?

Did you check if it allowed for redemption by the beneficiary on death?

Not sure what would happen on a joint CD even if it had the survivor option (or death benefit or death put by other names) though.


It was a joint account...and they wouldn't waive the EWP
by Van-Guard23
Wed Jan 25, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Bank with EWPs on CDs significantly higher than the paid interests/dividends?
Replies: 31
Views: 2037

Re: Bank with EWPs on CDs significantly higher than the paid interests/dividends?

I believe this is not uncommon. There is a bank in my area that offers good CD rates, but only on "special CDs". The terms state that they will rollover at maturity to a non-special rate. There is a 7-day grace period in which to stop that rollover. During that time you can withdraw the m...
by Van-Guard23
Wed Jan 25, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Bank with EWPs on CDs significantly higher than the paid interests/dividends?
Replies: 31
Views: 2037

Re: Bank with EWPs on CDs larger than the paid interests/dividends?

In my opinion, folks who take such views are unreasonable and want it BOTH ways: Get a higher rate and NOT be willing to accept the justifiable consequences if they change their mind. They want their cake and eat it too! Glad to hear you're "in the business" and can provide some info...bu...
by Van-Guard23
Wed Jan 25, 2017 3:40 am
Forum: Personal Finance (Not Investing)
Topic: Bank with EWPs on CDs significantly higher than the paid interests/dividends?
Replies: 31
Views: 2037

Re: Bank with EWPs on CDs larger than the paid interests/dividends?

kaneohe wrote:Yes they can. Depends on how EWP terms are worded. Some are limited to interest earned to date. Others are not so limited.


Just seems criminal to charge an EWP of over 2,100% of earned interests to date! Wow!
by Van-Guard23
Wed Jan 25, 2017 2:28 am
Forum: Personal Finance (Not Investing)
Topic: Bank with EWPs on CDs significantly higher than the paid interests/dividends?
Replies: 31
Views: 2037

Bank with EWPs on CDs significantly higher than the paid interests/dividends?

My wife, who is helping my father-in-law (FIL) get a handle on his finances after my mother-in-law's (MIL) death, just found out my in-laws have a "Flexible-Term" CD (believe it was 18-month CD schedule to mature in OCT 2017) at their local bank with under $10k earning a measly 0.15% APY (...
by Van-Guard23
Sun Jan 22, 2017 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about probate and tax returns after MIL's passing
Replies: 15
Views: 1689

Re: Questions about probate and tax returns after MIL's passing

She should start by reading all the documents for understanding of them. The NOLO books on estates and being a trustee are also very good for helping her become with the terminology and processes. If the trust is a "living trust", there should not be any need to report to a court. https:/...
by Van-Guard23
Sun Jan 22, 2017 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about probate and tax returns after MIL's passing
Replies: 15
Views: 1689

Re: Questions about probate and tax returns after MIL's passing

I see the will has a pour over provision. Or flow through provision I think my mom's attorney called it, that put presumably everything not in the trust into the trust at the time of her death. I am not an attorney and your state law may differ, but in my state this simplifies things a lot. The dis...
by Van-Guard23
Sun Jan 22, 2017 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Questions about probate and tax returns after MIL's passing
Replies: 15
Views: 1689

Re: Questions about probate and tax returns after MIL's passing

I assume your wife is executor for her mom. Does she have a copy of the will? Does it mention that all her mom's remaining assets get poured into the trust on death, thus make the MS account now part of the trust? That might avoid probate. Yes, my wife has a copy of the will...and she did mention a...
by Van-Guard23
Sat Jan 21, 2017 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about probate and tax returns after MIL's passing
Replies: 15
Views: 1689

Re: Questions about probate and tax returns after MIL's passing

There should not be a need to file income taxes for 2016 for your FIL, MIL, or the estate based on the information provided. Is the account with Morgan Stanley a taxable account or a tax advantaged retirement account, e.g. an IRA, 401k, etc? If it is in a brokerage account, you may stay below any e...
by Van-Guard23
Sat Jan 21, 2017 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about probate and tax returns after MIL's passing
Replies: 15
Views: 1689

Questions about probate and tax returns after MIL's passing

My mother in law passed away in her mid-70s just before Christmas. She and my father-in-law (also in his mid to late 70s) only have their social security benefits as their source of income and have not been filing taxes (for a few years now) as they were below the the IRS' Publication 17 Table 1-1 t...
by Van-Guard23
Fri Oct 21, 2016 3:13 am
Forum: Personal Finance (Not Investing)
Topic: Transitioning from Military
Replies: 21
Views: 2370

Re: Transitioning from Military

retirementbound, First of all congratulations on you and your wife's upcoming military retirement! My wife and I are retired dual military couples (Army officers with prior service as well) and are early retirees in Hawaii. I turned down Battalion Command in Italy (the process was more difficult tha...
by Van-Guard23
Sun Sep 18, 2016 4:13 am
Forum: Personal Consumer Issues
Topic: Traveling to Italy - 3 weeks in 2017, advice appreciated
Replies: 119
Views: 9745

Re: Traveling to Italy - 3 weeks in 2017, advice appreciated

We are almost finalized. I also spoke more to the family and asked them where they would like to go, in order. Rome actually was near the bottom. Venice 3 nights Florence 4 nights Lucca 3 nights Rome 3 nights Amalfi Coast 6 nights We can always come back, right? If you are staying in Florence for 4...
by Van-Guard23
Fri Sep 16, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 12833

Re: Favorite Coffee

By far, the best coffee my wife and I ever had was whole bean civet coffee we bought on a trip to Hanoi, Vietnam. It actually took a lot of explaining to our guide what we were looking for at the Old Quarter, and we wouldn't have been successful in our quest had our daughter not seen a silhouette o...
by Van-Guard23
Fri Sep 16, 2016 11:33 am
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 12833

Re: Favorite Coffee

By far, the best coffee my wife and I ever had was whole bean civet coffee we bought on a trip to Hanoi, Vietnam. It actually took a lot of explaining to our guide what we were looking for at the Old Quarter, and we wouldn't have been successful in our quest had our daughter not seen a silhouette o...
by Van-Guard23
Fri Sep 16, 2016 2:29 am
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 12833

Re: Favorite Coffee

By far, the best coffee my wife and I ever had was whole bean civet coffee we bought on a trip to Hanoi, Vietnam. It actually took a lot of explaining to our guide what we were looking for at the Old Quarter, and we wouldn't have been successful in our quest had our daughter not seen a silhouette of...
by Van-Guard23
Thu Aug 04, 2016 10:48 pm
Forum: Personal Consumer Issues
Topic: Another Italy Trip
Replies: 33
Views: 1981

Re: Another Italy Trip

My wife and I are planning a trip to Italy; * 2 nights in Rome * 3 nights in Florence * 2 nights in Cinque Terre, and * 2 final nights in Rome. We're thinking this might be too ambitious. Maybe stay longer or reduce the traveling Any thoughts would be appreciated. Cartman, My wife lived in Italy fo...
by Van-Guard23
Mon Aug 01, 2016 10:14 pm
Forum: Investing - Theory, News & General
Topic: How long to turn 1 million to 2 millions for you?
Replies: 44
Views: 9252

Re: How long to turn 1 million to 2 millions for you?

It took us many, many years to achieve $1M...but "only" 4 years and 4 months to double that. The power of compounding. However, as Peter Foley indicated, it all depends on market conditions and your Asset Allocation. That is nice. Mind if I ask from what year to what year to double that? ...
by Van-Guard23
Mon Aug 01, 2016 9:51 pm
Forum: Investing - Theory, News & General
Topic: How long to turn 1 million to 2 millions for you?
Replies: 44
Views: 9252

Re: How long to turn 1 million to 2 millions for you?

It took us many, many years to achieve $1M...but "only" 4 years and 4 months to double that. The power of compounding. However, as Peter Foley indicated, it all depends on market conditions and your Asset Allocation.

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