Search found 33 matches

by aussiedog
Sun Apr 15, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: "guaranteed" 6% return vs index fund investing
Replies: 30
Views: 2960

Re: "guaranteed" 6% return vs index fund investing

Fair enough, maybe it doesn't really make a lot of sense. I was posting for my wife and myself--they weren't coming to me for a loan, but potentially making available to us as an option.
by aussiedog
Sun Apr 15, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: "guaranteed" 6% return vs index fund investing
Replies: 30
Views: 2960

Re: "guaranteed" 6% return vs index fund investing

dbr: you may be picking up that I have limited experience in these matters or that I am inarticulate (or both!) Let me try again: 1. The business has an existing variable rate loan from a bank and is considering fixing the loan rate via the same lender. 2. As an alternative to #1, I understood that ...
by aussiedog
Sun Apr 15, 2018 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: "guaranteed" 6% return vs index fund investing
Replies: 30
Views: 2960

Re: "guaranteed" 6% return vs index fund investing

It isn't even clear if this is a loan to a business or putting up money to buy land. dbr: the land was purchased a few years ago, and at that time the partners decided to borrow to fund the purchase rather than investing more of their own capital. The loan has a variable rate, and the recent discus...
by aussiedog
Sun Apr 15, 2018 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: "guaranteed" 6% return vs index fund investing
Replies: 30
Views: 2960

Re: "guaranteed" 6% return vs index fund investing

Decide on a representative time horizon and do the math on what expected return in a tax-efficient investment of similar risk would be (total US stock being what I’d compare to). I think you’re anchoring to the glory that 6% sounds like but in reality this is likely a much lower after-tax CAGR than...
by aussiedog
Sun Apr 15, 2018 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: "guaranteed" 6% return vs index fund investing
Replies: 30
Views: 2960

Re: "guaranteed" 6% return vs index fund investing

Pajamas, I think you are correct, though probably would be only a small subsidy to the other partners. It is a family business with a small number of partners. I don't know for certain, but the thought may have been that a partner loan instead of bank could provide a small benefit to the business (6...
by aussiedog
Sun Apr 15, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: "guaranteed" 6% return vs index fund investing
Replies: 30
Views: 2960

Re: "guaranteed" 6% return vs index fund investing

What is the term of the proposed loan - 1,3, or 5 years? It's a farm, I'm assuming you know what types of crops are grown and the current and forecasted near-term market for those crops. A 2% spread to fix the rate is deemed to be expensive by the business, and yet, they are amenable to a 1.5% spre...
by aussiedog
Sun Apr 15, 2018 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: "guaranteed" 6% return vs index fund investing
Replies: 30
Views: 2960

Re: "guaranteed" 6% return vs index fund investing

Sorry all, I have tried to reply twice but my posting didn't appear. Thanks for the feedback thus far. To try to answer questions: 1. The family business is a farm and my wife is a partner 2. The debt was from purchase of adjacent property to expand the farm--the business was nearly debt free previo...
by aussiedog
Sun Apr 15, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: "guaranteed" 6% return vs index fund investing
Replies: 30
Views: 2960

"guaranteed" 6% return vs index fund investing

Let me pose my question and then give some background below. Question: If you had the option for a fixed 6% return on investment (with income as ordinary interest) vs just adding to index fund investing at current asset allocation, which would you choose? Background: Family business has a variable r...
by aussiedog
Sat Apr 14, 2018 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Independent Certified Financial Planner
Replies: 15
Views: 1534

Re: Vanguard vs Independent Certified Financial Planner

Thanks all, this has been very helpful as usual. My takeaways for now are: 1. I will meet with the Vanguard CFP and I feel reasonably confident that they will be helpful with the mechanics of getting funds from Edward Jones to Vanguard, and in advising on investing and asset allocation 2. If I feel ...
by aussiedog
Fri Apr 13, 2018 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Independent Certified Financial Planner
Replies: 15
Views: 1534

Re: Vanguard vs Independent Certified Financial Planner

Thanks Hale, good points.
No insurance questions, and estate planning is all done.

It is more investment strategy and asset allocation advice that I am looking for.
by aussiedog
Fri Apr 13, 2018 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Independent Certified Financial Planner
Replies: 15
Views: 1534

Re: Vanguard vs Independent Certified Financial Planner

Thanks to all who have responded. It has made me realize that my questions are a bit unfocused--it is really more how do I handle an inheritance coming into and expanding the taxable portion of my portfolio (now added above to original post). My specific questions are: 1. Inheritance is currently he...
by aussiedog
Fri Apr 13, 2018 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Independent Certified Financial Planner
Replies: 15
Views: 1534

Re: Vanguard vs Independent Certified Financial Planner

Thanks Longleaf. That was my sense about Vanguard, and in general I agree with your comment about bogleheads.org serving as a crowdsourced CFP. With a recent change in our financial circumstances (recent inheritance, greater proportion of savings in taxable accounts) I feel like it could be helpful ...
by aussiedog
Fri Apr 13, 2018 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Independent Certified Financial Planner
Replies: 15
Views: 1534

Vanguard vs Independent Certified Financial Planner

With the help of all of you Bogleheads, I have been successfully self-managing our family finances for many years. With some recent changes to our situation I have decided that consultation with a certified financial planner would be helpful a a check to make sure things are on track and potentially...
by aussiedog
Wed Jan 25, 2017 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds and TSP - 3 questions
Replies: 5
Views: 874

Bonds and TSP - 3 questions

My employment is part time at a University and part time at a VA facility. My bond allocations are all in my retirement accounts. At the University, in Vanguard total Bond Market (VBTSX; about 40% of my total bonds) and at the VA, all in the TSP G fund (about 60% of my total bond allocation) Questio...
by aussiedog
Sun Jan 22, 2017 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Philosophical question re increasing net worth
Replies: 14
Views: 2171

Re: Philosophical question re increasing net worth

Blueblock, I think you are right on target.
by aussiedog
Sun Jan 22, 2017 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Philosophical question re increasing net worth
Replies: 14
Views: 2171

Re: Philosophical question re increasing net worth

Love Bogleheads! I was at a loss for what to tell him, but this has been a great idea generator: -Find your comfort zone (staying frugal or relaxing it some) and don't worry about what others think. -Do what makes you happy but don't be foolishly wasteful just because you can -emphasize the benefits...
by aussiedog
Sun Jan 22, 2017 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Philosophical question re increasing net worth
Replies: 14
Views: 2171

Philosophical question re increasing net worth

I have a close friend who is frugal and grew up in a family of modest means. For most of his life he has organized around making smart investment and consumer decisions and pursuing a career with good income potential. Now in his 50's he is doing very well financially to the point where making fruga...
by aussiedog
Sun Oct 23, 2016 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Is it bad to purchase bond funds at end of calendar year?
Replies: 15
Views: 1806

Re: Is it bad to purchase bond funds at end of calendar year?

Good thought. Oregon. I didn't see any state specific funds, and an earlier thread made a convincing argument that the fees associated with the (non-vanguard) Oregon specific funds negated the tax benefits. Unless someone knows of more recent good options
by aussiedog
Sat Oct 22, 2016 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Is it bad to purchase bond funds at end of calendar year?
Replies: 15
Views: 1806

Re: Is it bad to purchase bond funds at end of calendar year?

Thanks all for your replies - very helpful.
I should have specified: Vanguard (VWITX) tax exempt bond fund in taxable portion of portfolio.
by aussiedog
Sat Oct 22, 2016 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Is it bad to purchase bond funds at end of calendar year?
Replies: 15
Views: 1806

Is it bad to purchase bond funds at end of calendar year?

There is general advice to not purchase mutual funds at end of year because the distribution may be at year end and the unaware investor may get a large tax bill without experiencing the benefit of holding the fund all year (if I understand correctly). Is this the case for bond funds? I am planning ...
by aussiedog
Wed Mar 13, 2013 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie real estate question
Replies: 12
Views: 1690

Re: Newbie real estate question

Thanks for the links and words of caution. I will do some more reading and proceed carefully
by aussiedog
Tue Mar 12, 2013 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie real estate question
Replies: 12
Views: 1690

Re: Newbie real estate question

Anyone with a general comment or suggestion for resources?
by aussiedog
Fri Mar 08, 2013 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie real estate question
Replies: 12
Views: 1690

Newbie real estate question

I have greatly appreciated an benefitted from the discussion and advice from this forum, and supplemented by reading I'm feeling more comfortable with basic investing, asset allocation, and low cost index investing approach. For a number of reasons (including having some passive farm income each yea...
by aussiedog
Tue Jan 08, 2013 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Requsting portfolio help
Replies: 8
Views: 817

Re: Requsting portfolio help

Thanks ofckrupke for the thoughtful reply a. another error on my part in entering the data. Her Roth is in Admiral shares and I edited the original post to reflect this, and thanks for your other suggestions b. I wasn't sure refi was worth all of the trouble. Currently balance of 146K @ 3.75 to be p...
by aussiedog
Mon Jan 07, 2013 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Requsting portfolio help
Replies: 8
Views: 817

Re: Requsting portfolio help

thanks retiredjg, As with my response to the previous question, I haven't really put much thought into exactly where my $17,000 limit contribution to combined (403b + TSP) goes. It seemed a bit arbitrary to me as I had good investment options in both plans, but I'm open to discussion if someone feel...
by aussiedog
Mon Jan 07, 2013 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Requsting portfolio help
Replies: 8
Views: 817

Re: Requsting portfolio help

Brian, As I understand it, my contributions to 403b + TSP must equal $17,000 or less, and I can contribute up to another $17,000 to a 457 plan. So it has been a little arbitrary how I compose the (403b+TSP) = 17,000 Do you see some benefit to doing this all through TSP rather than my 403b? I get no ...
by aussiedog
Sun Jan 06, 2013 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Requsting portfolio help
Replies: 8
Views: 817

Requsting portfolio help

Dear Bogleheads, I have greatly appreciated the information and informative threads on this site over the years. I would love any and all input on my current portfolio, and have tried to strictly follow the recommended format, with questions at bottom: Basic Information: Emergency funds: Have six mo...
by aussiedog
Sun May 03, 2009 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Help with investing extra income
Replies: 10
Views: 2060

thanks

Thanks everyone. I didn't want to bog everyone down with too much detail, but I can see this is needed. I will repost according to the guidelines recommended.
by aussiedog
Sat May 02, 2009 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Help with investing extra income
Replies: 10
Views: 2060

Help with investing extra income

Thanks in advance for your advice for my situation. 45 years old, married, 2 kids, ~200K/year combined income. So far have been focused on maximizing retirement contributions, reasonable college savings, paying off debts and accumulating emergency fund. This all accomplished and only debt is $180K m...
by aussiedog
Sat Mar 21, 2009 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Should I pay off home equity loan?
Replies: 8
Views: 2160

clarification

Thanks-yes my question was given the effective interest rate (taking into account the tax deduction - 33% bracket), would it be advisable to pay this off if we have adequate reserves, or keep some debt with deductible interest. I was leaning towards paying it off, and sounds like this is the consens...
by aussiedog
Sat Mar 21, 2009 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Should I pay off home equity loan?
Replies: 8
Views: 2160

Should I pay off home equity loan?

I am uncertain whether to pay off a $10,000 home equity loan at 7.4%. My only other debt is ~ 190K mortgage (4.75%) on our home recently assessed at $515K. No car loans, credit card debt, etc. We are getting a large tax refund, and I'm trying to decide whether to invest it or pay off this debt. I am...