Search found 246 matches

by aj76er
Tue Jun 20, 2017 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Tips on Bond investment in fidelity
Replies: 8
Views: 542

Re: Tips on Bond investment in fidelity

vteb would be okay as a buy-and-hold fund. It is the Vanguard equivalent of MUB
by aj76er
Tue Jun 20, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Tracking progress to $1M portfolio and no mortgage by 40
Replies: 59
Views: 11953

Re: Tracking progress to $1M portfolio and no mortgage by 40

This is a very motivating thread, can people in tech sales tell me how do you get into that kinda job? I have had a late start in my career and right now looks like the only way to have that kinda portfolio is by having a high paying job, which will allow you to have a substantial savings each year...
by aj76er
Tue Jun 20, 2017 12:40 am
Forum: Personal Finance (Not Investing)
Topic: Tracking progress to $1M portfolio and no mortgage by 40
Replies: 59
Views: 11953

Re: Tracking progress to $1M portfolio and no mortgage by 40

This is a very motivating thread, can people in tech sales tell me how do you get into that kinda job? I have had a late start in my career and right now looks like the only way to have that kinda portfolio is by having a high paying job, which will allow you to have a substantial savings each year...
by aj76er
Mon Jun 19, 2017 12:01 am
Forum: Investing - Theory, News & General
Topic: Your Favorite Portfolio Tilts
Replies: 80
Views: 4888

Re: Your Favorite Portfolio Tilts

I have an SCV tilt in my 401k. The SCV fund is used as a valuey completion index to an S&P 500 fund. As I've increased bond holdings in the 401k and stock holdings in taxable, the SCV tilt has dwindled to only 3% of my portfolio. I only continue to hold because of inertia :). I also tilt equitie...
by aj76er
Fri Jun 16, 2017 12:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 90
Views: 8165

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

Kevin M wrote: I opened two @$25K each this week.

Kevin


I just did this as well. Thanks for sharing!
by aj76er
Thu Jun 15, 2017 8:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 90
Views: 8165

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

White Coat Investor wrote:I've spent a lot of time thinking about this and was way too slow to move to savings accounts 8 years ago so I was Johnny on the spot moving back this Spring.


Are you saying that you have already moved from Savings Account (e.g. Ally) to VMMXX for cash?
by aj76er
Thu Jun 15, 2017 12:09 am
Forum: Investing - Help with Personal Investments
Topic: Changing to include Emergency Fund as part of asset allocation - best way to do this?
Replies: 23
Views: 1224

Re: Changing to include Emergency Fund as part of asset allocation - best way to do this?

I like having a cash allocation as part of the portfolio. A balanced portfolio might look like: 10% cash 30% bonds 60% stocks An aggressive portfolio might look like: 5% cash 20% bonds 75% stocks Either adding to or withdrawing from the portfolio just triggers a normal rebalancing event. You don't h...
by aj76er
Fri Jun 09, 2017 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone still buying I-Bonds these days?
Replies: 16
Views: 2049

Re: Anyone still buying I-Bonds these days?

I'm waiting until later in the year to see if the fixed rate in increases.
by aj76er
Thu Jun 08, 2017 12:18 am
Forum: Investing - Help with Personal Investments
Topic: Investing cash reserve
Replies: 16
Views: 1745

Re: Investing cash reserve

VCSH - short term investment grade

It's generally pretty stable, but there is some risk there. Current yield is well over 2%
by aj76er
Thu Jun 08, 2017 12:13 am
Forum: Investing - Help with Personal Investments
Topic: Financially independent and then market crashes?
Replies: 54
Views: 5795

Re: Financially independent and then market crashes?

If you insist on 30-35X expenses or a 2.5% SWD no one would be able to retire early. Cutting expenses drastically can do it. 2.5% of 1mil is 25k/yr. I think I remember the MMM budget being pretty close to that. Owning your home outright in a LCOL area goes a long way toward reducing your annual spe...
by aj76er
Wed Jun 07, 2017 9:40 pm
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 6676

Re: 100% Stock Portfolio?

To the advocates of the 100% stock portfolio: I usually only hear the argument against a lower allocation. But why do you stop there? You can go beyond by leveraging your investment. So, what makes 100% not only better than 80% but also better than 120%? There is extra cost to borrowing on margin; ...
by aj76er
Wed Jun 07, 2017 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Ex-dividend
Replies: 17
Views: 1271

Re: Ex-dividend

Also, in all this discussion, I havent seen any mention of the advantage of buying in at the post dividend share price reduction, acquiring more shares for the investment dollar.. Does that help skew the equation at all in favor of waiting? You can view the thread on the effect of price reduction d...
by aj76er
Wed Jun 07, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Ex-dividend
Replies: 17
Views: 1271

Re: Ex-dividend

As I mentioned in another recent post on the exact same question, the OP should IMO buy today--9 trading days is too long to sit in cash to avoid a ~0.5% qualified dividend. If you pay 15% Federal and 5% state on your qualified dividends, that's a cost of 0.10%. If US stocks are expected to return ...
by aj76er
Sun Jun 04, 2017 12:42 pm
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 8595

Re: Everything keeps going up, this feels too easy?

This is why I don't use an age-based glide path, I use a "percent to completion" one. IE, figure out how much money I need for retirement and what AA I want at retirement, and figure out how close I am to that goal with my current portfolio balance. Then calculate my AA based on that. Tha...
by aj76er
Wed May 31, 2017 11:20 am
Forum: Investing - Theory, News & General
Topic: Does anyone treat taxable as a "someday fund"?
Replies: 86
Views: 5923

Re: Does anyone treat taxable as a "someday fund"?

No, I treat 401k+Roth+HSA+Taxable as one giant portfolio. This idea is documented on the wiki when discussing rebalancing. Each account is like a different bucket of money with different rules concerning how they can be withdrawn from and contributed to; and how those contributions and withdrawals a...
by aj76er
Tue May 30, 2017 6:25 pm
Forum: Personal Consumer Issues
Topic: Using LastPass to Manage Passwords
Replies: 38
Views: 3202

Re: Using LastPass to Manage Passwords

Ice-9 wrote:1. You can export your LastPass (or any other password manager) data to a CSV. I keep one in a VeraCrypt encrypted container, so if I ever need to access my passwords without internet, it's right there.


This is good to know. Thanks!
by aj76er
Tue May 30, 2017 6:24 pm
Forum: Personal Consumer Issues
Topic: Using LastPass to Manage Passwords
Replies: 38
Views: 3202

Re: Using LastPass to Manage Passwords

Thank you for all the replies so far.
Do you think the premium service ($12/yr) is worthwhile?
by aj76er
Tue May 30, 2017 6:09 pm
Forum: Investing - Theory, News & General
Topic: Place to put Cash - short term
Replies: 30
Views: 3880

Re: Place to put Cash - short term

Have you looked at treasuries? Six month to 364 day t-bills 1%+. They have very short durations, razor thin bid/ask spreads (reflects lots of liquidity) and are commission free when bought at auction at Schwab and Fidelity. Also, zero credit risk (I hope) and no FDIC caps. I think t-bills are unapp...
by aj76er
Tue May 30, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Using LastPass to Manage Passwords
Replies: 38
Views: 3202

Using LastPass to Manage Passwords

When it comes to passwords, I've been old-fashioned, in that I have all my passwords written on a piece of paper and hidden in a safe location. I'm starting to think that the "invent my own password and manually type in" method may not be the most secure. My main concern is financial accou...
by aj76er
Tue May 30, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Tempurpedic Discount
Replies: 10
Views: 1244

Re: Tempurpedic Discount

Go to your local Costco and ask about Tempurpedic Road Shows. They sell previous models for about 50% off. Probably come thru once or twice a year
by aj76er
Mon May 29, 2017 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 165
Views: 22786

Re: What do you guys do on the side?

Over the past few years, I've been creating income streams thru frugal living. Examples: * Switched from Jeep to Prius - easily $2500/year savings in fuel costs * Learned to cook and now make most meals - $100's per month in savings * Moved to a cheaper apartment - $700/month in savings The neat thi...
by aj76er
Mon May 29, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Where to save for house downpayment?
Replies: 12
Views: 1348

Re: Where to save for house downpayment?

At the amounts you are saving, it seems like I-bonds would be good fit. Better rates than Ally. Just be aware of the 1yr lockup
by aj76er
Sun May 28, 2017 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: EE and I Bonds
Replies: 44
Views: 3878

Re: EE and I Bonds

If you ever decide to hold TIPS in taxable, I've seen comments in which the tax prep is really complicated. It has something to do with the inflation adjustment and how it's reported. I don't know all the details, but just something to consider. You can probably get more info by searching old forum ...
by aj76er
Sun May 28, 2017 3:50 pm
Forum: Investing - Theory, News & General
Topic: Great Depression Lesson - Is Total Bond Market Too Risky?
Replies: 28
Views: 4572

Re: Great Depression Lesson - Is Total Bond Market Too Risky?

WHat's your AA between bonds and stocks? 67% Equities (70/30 US/Intl) 23% Total Bond Mkt 10% Cash (high yield saving account) The high cash allocation is remnants of a house sale from 9mos ago that I've been DCAing into the market. However I'm considering holding at 10% as im finding that it has a ...
by aj76er
Sun May 28, 2017 3:15 pm
Forum: Investing - Theory, News & General
Topic: The Best Account for International Equities
Replies: 42
Views: 3841

Re: The Best Account for International Equities

Conclusion Based on the above discussion, one would want to give a preference to holding international equities as follows: 1. The best choice is to hold international equities in taxable because the foreign taxes are reimbursed (up to a certain limit). Rules Given infinite room in tax-deferred acc...
by aj76er
Sun May 28, 2017 3:11 pm
Forum: Investing - Theory, News & General
Topic: The Best Account for International Equities
Replies: 42
Views: 3841

Re: The Best Account for International Equities

..., one simply needs to file form 1116, that again I have been filing for ever. I have never (so far in 25 years of investing) had a year where I couldn't get full credit for foreign taxes paid. Now that would be a great thread in the spirit of triceratop's spreadsheet and the TLH/wash sale exampl...
by aj76er
Sun May 28, 2017 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: EE and I Bonds
Replies: 44
Views: 3878

Re: EE and I Bonds

In my case, I am also buying an equivalent amount of I Bonds each year. If high inflation occurs in the next 20 years the EEBonds may become worthless but the I Bonds should retain todays value. So My "annuity" will have equal fixed and inflation indexed components to it. Why would you pl...
by aj76er
Sat May 27, 2017 2:56 pm
Forum: Investing - Theory, News & General
Topic: Siegel v. Shiller on Equity Valuations
Replies: 13
Views: 1633

Re: Siegel v. Shiller on Equity Valuations

Again, this reminds me of one of my favorite Warren Buffett quotes. He was asked if the stock market was expensive. He said, "Yes, but not as expensive as it looks." What we see is the difficulty of comparing earnings data across long time periods. There are events that cause a sea change...
by aj76er
Sat May 27, 2017 2:45 pm
Forum: Investing - Theory, News & General
Topic: Place to put Cash - short term
Replies: 30
Views: 3880

Re: Place to put Cash - short term

Have you looked at treasuries? Six month to 364 day t-bills 1%+. They have very short durations, razor thin bid/ask spreads (reflects lots of liquidity) and are commission free when bought at auction at Schwab and Fidelity. Also, zero credit risk (I hope) and no FDIC caps. I think t-bills are unapp...
by aj76er
Sat May 27, 2017 2:29 pm
Forum: Investing - Theory, News & General
Topic: Great Depression Lesson - Is Total Bond Market Too Risky?
Replies: 28
Views: 4572

Re: Great Depression Lesson - Is Total Bond Market Too Risky?

Vanguards Total Bond Market Fund has had a historical stddev of around 3% and currently it's yield is about the expected inflation rate (or perhaps a bit more). I use it to dampen equity exposure, without losing to inflation. In other words, it's cheap insurance, and that's good enough for me :).
by aj76er
Wed May 24, 2017 6:41 pm
Forum: Investing - Theory, News & General
Topic: The Best Account for International Equities
Replies: 42
Views: 3841

Re: The Best Account for International Equities

No, your conclusion is simplistic. The problems are 2. 1) More of cash returned to shareholders maybe returned by dividends instead of buy back 2) even for the same % dividends, more maybe unqualified dividends. Note that if the dividends % and % qualified dividends were the same between US and Int...
by aj76er
Wed May 24, 2017 2:41 pm
Forum: Investing - Theory, News & General
Topic: The Best Account for International Equities
Replies: 42
Views: 3841

The Best Account for International Equities

Hi All, I'd like to summarize my thoughts on holding international equities in various types of accounts. Please correct me if any of these points are not correct. Tax Deferred Account (401k, TIRA, etc..) International equities are double taxed. This is because foreign taxes are paid (as a percentag...
by aj76er
Tue May 23, 2017 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: A gem Livesoft uncovered
Replies: 64
Views: 10996

Re: A Gem from Livesoft

You can always treat it like some institutional endowments do. Years are now irrelevant, because you are planning forever (functionally, this is not much different from planning for 60 years anyway). You have a return-generating portfolio, and a spending fund. You have to figure out how much has to...
by aj76er
Sat May 20, 2017 12:45 am
Forum: Investing - Theory, News & General
Topic: Anyone else track the value of their investments by discounting the value of equities?
Replies: 64
Views: 3934

Re: Anyone else track the value of their investments by discounting the value of equities?

AlohaJoe wrote:Why 40%? Why not 80%?

Probably because the odds of that happening are too remote to worry about. And if it did happen to a global diversified portfolio of equities; well, it's probably gonna be game over no matter what you're holding.
by aj76er
Fri May 19, 2017 3:57 pm
Forum: Investing - Theory, News & General
Topic: Anyone else track the value of their investments by discounting the value of equities?
Replies: 64
Views: 3934

Re: Anyone else track the value of their investments by discounting the value of equities?

I do stress test the portfolio occasionally by discounting my equity holdings. Last time I did this, I felt as if I would rebalance down to about 30% loss in value. Anything more than that, I'd have a hard time buying more. That probably means my AA is slightly too aggressive, but I'm still young-is...
by aj76er
Thu May 18, 2017 5:58 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 12939

Re: For those with $500k-$1m in investments...

Roughly 50/50

I max out 401k/HSA and then try to match that on the taxable side.

Im also building an EE/I bond ladder for years 60-70 that I consider outside of my portfolio (so not counted in ratio above).
by aj76er
Wed May 17, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Saving for Savings Bonds (I/EE)
Replies: 6
Views: 696

Re: Saving for Savings Bonds (I/EE)

All great ideas.
Thanks everyone!
by aj76er
Tue May 16, 2017 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX need advice [Vanguard Total Stock Market]
Replies: 65
Views: 7270

Re: 100% VTSAX need advice

It seems that a popular AA on this forum is: %bonds = Age-10 %international = 30% (of equities) Also, it is much debated, but historically for a US investor, holding international equities has not made much difference to a portfolio. No telling if the future will be the same. If you want an equity h...
by aj76er
Mon May 15, 2017 4:35 pm
Forum: Investing - Theory, News & General
Topic: Best way to hold Treasury Bills???
Replies: 37
Views: 3422

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...
by aj76er
Mon May 15, 2017 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Is there any reason I should invest any additional money into bonds?
Replies: 29
Views: 2920

Re: Is there any reason I should invest any additional money into bonds?

When there is no clear "right" or "wrong" answer, it's usually best to just stay the course.
by aj76er
Mon May 15, 2017 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Saving for Savings Bonds (I/EE)
Replies: 6
Views: 696

Saving for Savings Bonds (I/EE)

I have money set aside for this year's I-Bond and next year's EE-Bond + I-Bond purchases. I've decided to wait until the November I-Bond offering (for this year) to see if the fixed rate goes above 0%. Currently the money ($30k) is sitting in an FDIC Cash account not earning much. As I have a define...
by aj76er
Sun May 14, 2017 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: how do you invest your HSA
Replies: 39
Views: 3371

Re: how do you invest your HSA

I use the same institutional s&p fun as you mentioned. It is part of my overall asset allocation to US Stocks (which means I hold less equities in other places).

I do not track the mandatory cash balance as part of my AA
by aj76er
Sun May 14, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 225
Views: 33791

Re: Regret early retirement/downsizing

Different people are different. If I had had the money, I could have happily retired at age 24. I'm a creative person who can write, make music, pursue publishing and countless other projects. I don't get my energy or motivation from social situations or other people. I don't need or want validatio...
by aj76er
Fri May 12, 2017 11:38 am
Forum: Investing - Help with Personal Investments
Topic: ETF money market equivalent (or close)?
Replies: 11
Views: 600

Re: ETF money market equivalent (or close)?

Maybe my post was unclear. I need to keep a total of $100K in B of A accounts. Of that $100K, I need approximately $15K for short term cash needs. Approximately $85K is in VTI. I didn't mean to imply that I wanted to put $100K in money market. Here's a few: SHV - Ishares short term Treasuries. VGSH...
by aj76er
Mon May 08, 2017 10:33 am
Forum: Investing - Theory, News & General
Topic: Anyone use Python to analyze their finances?
Replies: 40
Views: 5911

Re: Anyone use Python to analyze their finances?

So far, google sheets does everything I need. I use one set of sheets to track expenses and another to track portfolio holdings (for rebalancing).
I make heavy use of the GOOGLEFINANCE() function.
I do wish it was a bit more mobile friendly, however. But I think that's just the nature of spreadsheets.
by aj76er
Sat May 06, 2017 9:58 am
Forum: Investing - Help with Personal Investments
Topic: What to do with 300,000?
Replies: 29
Views: 2954

Re: What to do with 300,000?

A reasonable approach is to split the difference.

Invest half now has a lump sum, and then DCA the rest over a 6 to 12 month period.

That way you can't lose. If the market goes up, half your money goes up as well,; and if the market goes down, you have the other half to buy stocks on sale.
by aj76er
Thu May 04, 2017 3:18 pm
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 47
Views: 7456

Re: Bill Sharpe's preferred portfolio

By constantly adjusting your holdings based on market cap for US Stocks and exUS Stocks, it seems like you would always be buying and selling at the wrong time. In essence, you'd be chasing where capital is being allocated in the world. How would rebalancing in this way allow you to mechanically bu...
by aj76er
Thu May 04, 2017 10:44 am
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 47
Views: 7456

Re: Bill Sharpe's preferred portfolio

I'm just saying that same logic should probably then be applied to stocks, but often times it is not. That is, if the cap weighted bond market doesn't reflect the needs of an individual's circumstance, why should the cap weighted stock market... Why stop with bonds Because when you are buying a cap...
by aj76er
Thu May 04, 2017 10:36 am
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 47
Views: 7456

Re: Bill Sharpe's preferred portfolio

By constantly adjusting your holdings based on market cap for US Stocks and exUS Stocks, it seems like you would always be buying and selling at the wrong time. In essence, you'd be chasing where capital is being allocated in the world. How would rebalancing in this way allow you to mechanically buy...
by aj76er
Thu May 04, 2017 12:06 am
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 47
Views: 7456

Re: Bill Sharpe's preferred portfolio

Why would an individual want to hold their bond percentage equal to the global market weight? Risk it n a portfolio should be based on one's ability, willingness, and need to take risk (typically proportional to one's remaining working capital). I could get behind global weighting of the stock compo...

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