Search found 106 matches

by bdrolan
Sun Jul 09, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Investing/Economics Book Recommendations
Replies: 7
Views: 647

Re: Investing/Economics Book Recommendations

I don't have any investing books, since there is so much online. As far as Economics books: For a great basic Economics book, I can't recommend Thomas Sowell's Basic Economics enough. There are multiple editions (5th is newest) and can find used for fairly cheap. m I've got quite a few more as well,...
by bdrolan
Sun Jun 18, 2017 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Total US or Vanguard 2050?
Replies: 14
Views: 1644

Re: Total US or Vanguard 2050?

Thanks. Anyone else?
by bdrolan
Sat Jun 17, 2017 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Total US or Vanguard 2050?
Replies: 14
Views: 1644

Re: Total US or Vanguard 2050?

I would put it in all in Total International in my new Roth and adjust my allocation in the TSP and spouse's Roth to keep me at my 70/20/10 split. I wouldn't add a second fund in my Roth IRA until I had to, which might be never with the TSP presumably much larger and growing faster. Thanks Currentl...
by bdrolan
Sat Jun 17, 2017 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Total US or Vanguard 2050?
Replies: 14
Views: 1644

Re: Total US or Vanguard 2050?

Thanks all. I'm aware of the risk that equities do play and I do like my 70/30/10 AS. 2050 is actually more conservative. I was mainly asking to have just one find to dump it until I get at least 6k to get the Total US/Intl allocation going.... But...i completely forgot about buying the ETFs. I've n...
by bdrolan
Fri Jun 16, 2017 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Total US or Vanguard 2050?
Replies: 14
Views: 1644

Total US or Vanguard 2050?

If I need to add all my info I can, but didn't think I needed to add it for this question I'm getting ready to open a Roth IRA for myself. We currently have a 3-Fund Portfolio split across my TSP and my spouse's Roth IRA at a 70 US/20 International/10 Bond (TSP G Fund) split. Should I open my Vangua...
by bdrolan
Tue Jun 13, 2017 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with 18k in Cash?
Replies: 19
Views: 1691

Re: What to do with 18k in Cash?

Why not max out your Roth IRA for yourself in one lump deposit and spend the rest of the money on your car loan? We definitely have enough to split it. I'll use dollar-cost averaging to fill out a Roth for myself to minimize any lows/highs. It's definitely possible to do both, just need to save a b...
by bdrolan
Tue Jun 13, 2017 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with 18k in Cash?
Replies: 19
Views: 1691

Re: What to do with 18k in Cash?

mortfree wrote:any home improvements that should be done prior to selling this house?



.



We're working on some of those now actually. We've got an additional $1,500 set aside for other home improvements like landscaping, additional storage areas, etc.
by bdrolan
Tue Jun 13, 2017 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with 18k in Cash?
Replies: 19
Views: 1691

Re: What to do with 18k in Cash?

Why not max out your Roth IRA for yourself in one lump deposit and spend the rest of the money on your car loan? We definitely have enough to split it. I'll use dollar-cost averaging to fill out a Roth for myself to minimize any lows/highs. It's definitely possible to do both, just need to save a b...
by bdrolan
Tue Jun 13, 2017 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with 18k in Cash?
Replies: 19
Views: 1691

What to do with 18k in Cash?

Hi Everyone! It's been a while since my last post and transfer to running my own 3-Fund Portfolio in the TSP and my wife's Roth IRA. We've been saving for a new house, but have decided to wait about 5 more years before we move. Because of this, we've got about 18k in cash and we're kind of stuck on ...
by bdrolan
Tue Feb 21, 2017 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Final Post on Long Term Plan
Replies: 7
Views: 1454

Re: Final Post on Long Term Plan

I'll bump this because I'm in roughly the same boat as you. I have changed all of my TSP "bond" allocation to G fund. I am still debating whether I want to transition my non-TSP bond funds (VBTLX) so that 100% of my bonds are in my TSP (G fund). As a point of reference, the L2050 and L204...
by bdrolan
Mon Jan 09, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2016
Views: 349155

Re: What's Your Credit Card Rewards Strategy?

Ours is 2 cards. Navy Federal CU Cash Rewards with 1.5% back on all purchases and a Marriott Rewards Visa for plane tickets, car rentals, hotels, and dining. We got about 80k bonus points and there is an $85 annual fee, but you also get a free night per year up to a Category 5 hotel. We'll usually s...
by bdrolan
Fri Jan 06, 2017 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Final Post on Long Term Plan
Replies: 7
Views: 1454

Re: Final Post on Long Term Plan

Figured I'd try one more time to get some other opinions/discussion.
by bdrolan
Fri Jan 06, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Consumers Credit Union with 4.59% Rewards Checking Rate
Replies: 1
Views: 682

Consumers Credit Union with 4.59% Rewards Checking Rate

I was wondering if anyone is currently using Consumers Credit Union Rewards Checking and getting the 4.59% savings rate? We're looking at moving our Emergency Fund from Ally to CCU, but would like to know how others are jumping thru the hoops to get the 4.59% rate? We've discussed moving almost all ...
by bdrolan
Thu Jan 05, 2017 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Final Post on Long Term Plan
Replies: 7
Views: 1454

Re: Final Post on Long Term Plan

Thanks for the responses.

Anyone else care to weigh in?
by bdrolan
Thu Jan 05, 2017 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Final Post on Long Term Plan
Replies: 7
Views: 1454

Re: Final Post on Long Term Plan

For a 10 percent bond allocation it hardly matters. You can make a decision now and have plenty of time to review all the debate here on G vs F, then change your mind later, without having any major impact on your portfolio. If you're on the fence, just look up the G:F ratio that Mercer designed fo...
by bdrolan
Wed Jan 04, 2017 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: Final Post on Long Term Plan
Replies: 7
Views: 1454

Final Post on Long Term Plan

First, Happy New Year's to everyone and hope your Holidays went well. Next, I want to thank everyone on here for your replies, posts, and Wiki pages to me since I discovered Bogleheads around September. There have been many people, but off the top of my head retiredjg, DSInvester, qwertyjazz, KlangF...
by bdrolan
Tue Jan 03, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund in TSP G Fund??
Replies: 7
Views: 528

Re: Emergency Fund in TSP G Fund??

Since TSM is significantly risky in the short term I think you would need to downgrade it as an EF by a significant factor (i.e. what is the worst drop TSM could have?). This means you will need to maybe accumulate 2x (or whatever safety factor you decide) of TSM in your taxable account to have equ...
by bdrolan
Tue Jan 03, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund in TSP G Fund??
Replies: 7
Views: 528

Re: Emergency Fund in TSP G Fund??

Since TSM is significantly risky in the short term I think you would need to downgrade it as an EF by a significant factor (i.e. what is the worst drop TSM could have?). This means you will need to maybe accumulate 2x (or whatever safety factor you decide) of TSM in your taxable account to have equ...
by bdrolan
Tue Jan 03, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund in TSP G Fund??
Replies: 7
Views: 528

Emergency Fund in TSP G Fund??

I'm not sure if this belongs here or in the "Investing - Theory, News, & General" area, so I apologize if this belongs there. I have access to the TSP G Fund and currently have a 7-month Emergency Fund sitting in Ally at 1%. After reading the Bogle Wiki Page on Placing Cash Needs in a ...
by bdrolan
Fri Dec 30, 2016 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: TSP F Fund or Vanguard Funds?
Replies: 38
Views: 2616

Re: TSP F Fund or Vanguard Funds?

Are you only contributing to one Roth IRA due to cash flow? If so, consider switching TSP contributions to Traditional TSP in increase take home pay and max out both Roth IRAs. You have until APRIL 18, 2017 (tax filing deadline) to contribute to your own Roth IRA for tax year 2016. I've been thinki...
by bdrolan
Fri Dec 30, 2016 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: TSP F Fund or Vanguard Funds?
Replies: 38
Views: 2616

Re: TSP F Fund or Vanguard Funds?

Thanks. Anyone else on switching to G Fund vice F Fund or Vanguard Total Bond Market? and/or mixing the G Fund and the INtermediate Bond Index or Intermediate-Term Bond Investment Grade, since interest rates look to be rising? About what government/corporate mix do you believe might be appropriate ...
by bdrolan
Thu Dec 29, 2016 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: TSP F Fund or Vanguard Funds?
Replies: 38
Views: 2616

Re: TSP F Fund or Vanguard Funds?

Vanguard Total Bond Market (same as F fund) are mostly an intermediate term government bond fund. The Vanguard Intermediate Term Treasury fund is 100% IT govt bond fund. All of the above are lousy picks if you have access to the G fund. The G fund has the yield of a Intermediate term Treasury fund ...
by bdrolan
Thu Dec 29, 2016 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: TSP F Fund or Vanguard Funds?
Replies: 38
Views: 2616

Re: TSP F Fund or Vanguard Funds?

Thanks.


Anyone else on switching to G Fund vice F Fund or Vanguard Total Bond Market?


and/or mixing the G Fund and the INtermediate Bond Index or Intermediate-Term Bond Investment Grade, since interest rates look to be rising?
by bdrolan
Thu Dec 29, 2016 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: TSP F Fund or Vanguard Funds?
Replies: 38
Views: 2616

Re: TSP F Fund or Vanguard Funds?

So I guess it's G Fund, G Fund with Intermediate-Term Bond Index (VBILX), Or G Fund with Intermediate-Term Invest Grade to bring in some corporate bonds?
by bdrolan
Thu Dec 29, 2016 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: TSP F Fund or Vanguard Funds?
Replies: 38
Views: 2616

Re: TSP F Fund or Vanguard Funds?

One item I'd like to add to this discussion is to not forget about taxes. It's more tax efficient for you to have your bonds in a retirement account, than in a taxable investment account. Tax efficiency and lower ER might make the TSP F fund more attractive than the Vanguard funds you're considerin...
by bdrolan
Thu Dec 29, 2016 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: TSP F Fund or Vanguard Funds?
Replies: 38
Views: 2616

Re: TSP F Fund or Vanguard Funds?

I'm going to revisit the G Fund as an option however, since this has piqued my interest...

But I would like to return to the original post for now.
by bdrolan
Thu Dec 29, 2016 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: TSP F Fund or Vanguard Funds?
Replies: 38
Views: 2616

Re: TSP F Fund or Vanguard Funds?

If your plan is to hold those funds until rates rise making the G fund more attractive, prepare to lose money. If rates rise multiply the duration of your bond fund by the rate increase and you will get your NAV drop. For example: if there are three .25% rate increases in 2017 and your bond fund ha...
by bdrolan
Thu Dec 29, 2016 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: TSP F Fund or Vanguard Funds?
Replies: 38
Views: 2616

Re: TSP F Fund or Vanguard Funds?

Ahh. Ok. I've missed that, so the return is on top of the loan interest rate? If so, then it's definitely a bit more attractive since it's 2.125%. The current loan interest rate is 2.375%, and that is the G Fund return. The return isn't on top of anything. I've found that, so what's the 1.62% YTD R...
by bdrolan
Thu Dec 29, 2016 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: TSP F Fund or Vanguard Funds?
Replies: 38
Views: 2616

Re: TSP F Fund or Vanguard Funds?

The return changes every month according to the loan interest rate, basically giving it a 1-month duration. In the prior months for this year it was returning 1.5%, or 1.65%, or 1.75%, etc. so the YTD is basically the average of the 11 prior months loan rates. Copy. I'm still not going to use the G...
by bdrolan
Thu Dec 29, 2016 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: TSP F Fund or Vanguard Funds?
Replies: 38
Views: 2616

Re: TSP F Fund or Vanguard Funds?

Ahh. Ok. I've missed that, so the return is on top of the loan interest rate? If so, then it's definitely a bit more attractive since it's 2.125%. The current loan interest rate is 2.375%, and that is the G Fund return. The return isn't on top of anything. I've found that, so what's the 1.62% YTD R...
by bdrolan
Thu Dec 29, 2016 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: TSP F Fund or Vanguard Funds?
Replies: 38
Views: 2616

Re: TSP F Fund or Vanguard Funds?

I've tried to find how TSPFolio figures iut that rate because there are SEC yields/Dividends with the TSP, because it's a trust. The Yields/Dividends are factored into the share prices. Anyone know how this is computed? I do like the other suggestion of just buying the G Fund for my Treasuries and ...
by bdrolan
Thu Dec 29, 2016 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: TSP F Fund or Vanguard Funds?
Replies: 38
Views: 2616

Re: TSP F Fund or Vanguard Funds?

That YTD return you have is correct. I am looking at the current yield with rates going forward. Here is the link with the current rate. m I believe the G fund is as close you can get to a free lunch with fixed income. If rates continue to rise it's like having a 5 yr cd that is constantly updated ...
by bdrolan
Thu Dec 29, 2016 11:55 am
Forum: Investing - Help with Personal Investments
Topic: TSP F Fund or Vanguard Funds?
Replies: 38
Views: 2616

Re: TSP F Fund or Vanguard Funds?

The yield is not low. The yield for the month of December was 2.375%, higher than TBM. The yield is calculated monthly based on the current yield of treasuries with greater than 4 years to maturity. In a situation where there are rising interest rates, it will perform much better than TBM as it wil...
by bdrolan
Thu Dec 29, 2016 10:23 am
Forum: Investing - Help with Personal Investments
Topic: TSP F Fund or Vanguard Funds?
Replies: 38
Views: 2616

Re: TSP F Fund or Vanguard Funds?

Devil's Advocate: Why not the G Fund? For me, the yield is still to low --similar to Short-Term Treasuries-- and I'm willing to take on more risk, since I'm still more than 20yrs from retirement. Essentially a low yielding TIPS account with 0 risk. As I age, I'll start moving more into G Fund. I ha...
by bdrolan
Thu Dec 29, 2016 10:14 am
Forum: Investing - Help with Personal Investments
Topic: TSP F Fund or Vanguard Funds?
Replies: 38
Views: 2616

TSP F Fund or Vanguard Funds?

Emergency funds: 6 Months Expenses in Ally 1% Savings. Debt: about $100k on mortgage at 3.25% and $20k on vehicle at 1% Tax Filing Status: Married Filing Jointly Tax Rate: 15% Federal...about $5-7k gap to 25% Bracket... and 0% State Income Tax State of Residence: TX Age: 32, Spouse 28 Desired Asset ...
by bdrolan
Tue Dec 20, 2016 11:42 am
Forum: Local Chapters and Bogleheads Community
Topic: San Antonio Local Chapter Established
Replies: 21
Views: 1792

Re: [Interested in starting a] San Antonio Chapter?

I've got to say.....pretty awesome.

I'd take the reigns on the Coordinator spot, but I'm swamped with 1yr old, job, military reserves, etc. I'll help how I can though.
by bdrolan
Mon Dec 19, 2016 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund in Taxable Account?
Replies: 10
Views: 1669

Re: Which Bond Fund in Taxable Account?

Anyone else on the other funds with pros/cons?
by bdrolan
Mon Dec 19, 2016 3:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: San Antonio Local Chapter Established
Replies: 21
Views: 1792

San Antonio Local Chapter Established

I see info on an Austin/Central TX Chapter, but anyone know of a San Antonio Chapter?
by bdrolan
Mon Dec 19, 2016 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund in Taxable Account?
Replies: 10
Views: 1669

Re: Which Bond Fund in Taxable Account?

Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX) with 2.4% Yield 0.06% ER Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares (VWITX) with a 2.14% Yield and 0.2% ER I'd probably use half and half until you actually enter the 28% bracket. Then sell the Total Bond and use all Tax E...
by bdrolan
Mon Dec 19, 2016 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund in Taxable Account?
Replies: 10
Views: 1669

Re: Which Bond Fund in Taxable Account?

Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX) with 2.4% Yield 0.06% ER Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares (VWITX) with a 2.14% Yield and 0.2% ER I'd probably use half and half until you actually enter the 28% bracket. Then sell the Total Bond and use all Tax E...
by bdrolan
Mon Dec 19, 2016 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund in Taxable Account?
Replies: 10
Views: 1669

Re: Which Bond Fund in Taxable Account?

Thanks. Yes I have a TSP account that is currently holding all of my 90/10 Allocation in the F Fund. I've read up on making sure Bonds are in the tax-advantaged accounts, but I'm solely asking about a taxable account here. Here at bogleheads, we often like to consider all accounts rather than isola...
by bdrolan
Mon Dec 19, 2016 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund in Taxable Account?
Replies: 10
Views: 1669

Re: Which Bond Fund in Taxable Account?

Have you filled your tax advantaged space with bonds? I see from one of your older posts that you're a federal employee. If this is the case, I'd load up on the TSP G fund in the TSP first before considering bonds funds in taxable accounts. TSP G fund has the added advantage that it will not lose m...
by bdrolan
Mon Dec 19, 2016 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund in Taxable Account?
Replies: 10
Views: 1669

Which Bond Fund in Taxable Account?

I'm currently in a 25% Federal Tax Bracket with 0 TX State Tax. There is about a $50-60k gap to the next bracket of 28%. My wife will finish school in about 2 years and we will be close to hitting, if not above the 28% bracket at that time. I have to hold some Bond funds in my Taxable Account at Van...
by bdrolan
Sat Dec 17, 2016 8:28 am
Forum: Investing - Help with Personal Investments
Topic: More Efficient Way to Hold LS Conservative Growth in a Taxable Account?
Replies: 30
Views: 2184

Re: More Efficient Way to Hold LS Conservative Growth in a Taxable Account?

Should I put this into my overall AA? I'm currently 90/10 across TSP and 1 Roth IRA. It's better to hold your bonds in the TSP and hold stocks in your taxable account. For this specific case, I disagree. I don't think the "cash needs in retirement accounts" is a good approach in this situ...
by bdrolan
Fri Dec 16, 2016 11:19 pm
Forum: Investing - Help with Personal Investments
Topic: More Efficient Way to Hold LS Conservative Growth in a Taxable Account?
Replies: 30
Views: 2184

Re: More Efficient Way to Hold LS Conservative Growth in a Taxable Account?

Should I put this into my overall AA? I'm currently 90/10 across TSP and 1 Roth IRA. It's better to hold your bonds in the TSP and hold stocks in your taxable account. The reason is that the TSP C, S, and I stock funds are very close to the Vanguard equivalents, while the TSP G fund is much better ...
by bdrolan
Fri Dec 16, 2016 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: More Efficient Way to Hold LS Conservative Growth in a Taxable Account?
Replies: 30
Views: 2184

Re: More Efficient Way to Hold LS Conservative Growth in a Taxable Account?

I know normal opinion for all EFs is high-yield savings around 1%, so I'm aware of the pros/cons. I think having some invested conservatively is fine as long as there is a cash buffer you could use first. The stability of your job plays into this. Job loss is not impossible, but it is less likely a...
by bdrolan
Fri Dec 16, 2016 11:39 am
Forum: Investing - Help with Personal Investments
Topic: More Efficient Way to Hold LS Conservative Growth in a Taxable Account?
Replies: 30
Views: 2184

Re: More Efficient Way to Hold LS Conservative Growth in a Taxable Account?

You mention the TSP. Have you considered posting your overall situation so that people can help you with your entire portfolio, not just the taxable account? retiredjg, here's the OP's dilemma - Should I put this into my overall AA? I'm currently 90/10 across TSP and 1 Roth IRA. If rather keep this...
by bdrolan
Fri Dec 16, 2016 11:38 am
Forum: Investing - Help with Personal Investments
Topic: More Efficient Way to Hold LS Conservative Growth in a Taxable Account?
Replies: 30
Views: 2184

Re: More Efficient Way to Hold LS Conservative Growth in a Taxable Account?

You mention the TSP. Have you considered posting your overall situation so that people can help you with your entire portfolio, not just the taxable account? retiredjg, here's the OP's dilemma - Should I put this into my overall AA? I'm currently 90/10 across TSP and 1 Roth IRA. If rather keep this...
by bdrolan
Fri Dec 16, 2016 11:35 am
Forum: Investing - Help with Personal Investments
Topic: More Efficient Way to Hold LS Conservative Growth in a Taxable Account?
Replies: 30
Views: 2184

Re: More Efficient Way to Hold LS Conservative Growth in a Taxable Account?

You mention the TSP. Have you considered posting your overall situation so that people can help you with your entire portfolio, not just the taxable account? retiredjg, here's the OP's dilemma - Should I put this into my overall AA? I'm currently 90/10 across TSP and 1 Roth IRA. If rather keep this...
by bdrolan
Fri Dec 16, 2016 3:23 am
Forum: Investing - Help with Personal Investments
Topic: More Efficient Way to Hold LS Conservative Growth in a Taxable Account?
Replies: 30
Views: 2184

Re: More Efficient Way to Hold LS Conservative Growth in a Taxable Account?

What would be the best Vanguard Bond Fund to hold. I know the most common recommendation is the Vanguard Total Bond Index Admiral Shares Fund (VBTLX), but there are a lot of good ones, including Tax Exempt ones since this will be a Taxable Account. What is your tax bracket? In the 25% or lower brac...