Search found 339 matches

by confusedinvestor
Mon Apr 16, 2018 12:32 am
Forum: Investing - Help with Personal Investments
Topic: What advantages do a personalized portfolio have over a target date fund, in your opinion?
Replies: 49
Views: 2783

Re: What advantages do a personalized portfolio have over a target date fund, in your opinion?

If that is you, you should stick to TDR, and, you may want to let go few benefits of of personalized portfolio: lower fees compounded over years, tax efficiency/ asset location, TLH, design your own portfolio per your need, ability, willingness to take risks, your life goals, change AA b/c of life e...
by confusedinvestor
Sun Apr 15, 2018 4:56 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 11294

Re: What is your AA, given your age? and, Why?

Grabiner, Why do you have such a "high" stock % (84% gross) vs typical target date composite benchmark ? Is this b/c of your "need" to take risk ? or, your "willingness / iron stomach" to take risk ? or you know the stocks are safe in long run, given your experience on 2002+2008 and your understandi...
by confusedinvestor
Tue Apr 10, 2018 1:50 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 11294

Re: What is your AA, given your age? and, Why?

FiveK, This helps, Thank you!
FiveK wrote:
Tue Apr 10, 2018 12:45 am
See Equity Glide Paths — Bogleheads versus Target Funds - Bogleheads.org and links therein for similar discussion.
by confusedinvestor
Tue Apr 10, 2018 12:31 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 11294

Re: What is your AA, given your age? and, Why?

Excellent point, I just wanted to get a mean AA of BH cohort of my age (40-45 yrs) vs what AA is typically designed by TDF Composite of my age - Note TDF doesnt know the need, ability and willingness of anyone investing in them, except the "target" Ret age. Need can measured but willingness and abil...
by confusedinvestor
Sun Apr 08, 2018 12:36 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 11294

Re: What is your AA, given your age? and, Why?

Dave,

Which book is that? 4 Pillers of Investing ?
Frank Grimes wrote:
Sat Apr 07, 2018 9:23 pm

William Bernstein mentions taking action near retirement right near the end of his short ebook on lifecycle investing.

Dave
by confusedinvestor
Sun Apr 08, 2018 12:28 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 11294

Re: What is your AA, given your age? and, Why?

Thank you Livesoft. Per my IPS, I'm 120-Age (120-42 = 78) in Stocks toady but will glide -1% to Stock every year until we reach 60:40 at age 60, unless a major life event happens, despite market conditions. But honestly, I dont know what I'd do if 2008 happens every single year starting 2019 to 2029...
by confusedinvestor
Sun Apr 08, 2018 12:15 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 11294

Re: What is your AA, given your age? and, Why?

Ditto, Wife and I are both 43. We were 85/15 until today. We are gliding back to 78/22 (120 - Age in Stocks), as our "need" to take risk decreased with concerns on human capital (our jobs, continue to keep jobs and health issues) May I ask how you came up with 85/15 ? Wife and I are both 43. We are ...
by confusedinvestor
Sat Apr 07, 2018 9:41 am
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 11294

What is your AA, given your age? and, Why?

Folks, 1. Without quantifying your need/ability/willing to take risk and/or goals, what is your AA (Stock:Bond), given your age? and why? 2. How do you glide your AA as you approach financial independence (not retirement) ? 3. How does Vanguard/Fidelity/(everyone) typically follow "Target Retirement...
by confusedinvestor
Sat Apr 07, 2018 12:18 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread - San Diego Bogleheads
Replies: 14
Views: 4676

Re: Master Thread - San Diego Bogleheads

are we meeting on 3rd monday on May?
by confusedinvestor
Wed Apr 04, 2018 12:23 am
Forum: Investing - Theory, News & General
Topic: Random Walk on Sale
Replies: 14
Views: 1892

Re: Random Walk on Sale

thanks for posting this, just bought it in Amazon
Is it possible to download as pdf?
i dont have a kindle but looks like i can read from my laptop
by confusedinvestor
Sun Apr 01, 2018 1:06 pm
Forum: Investing - Theory, News & General
Topic: Do you invest in Real Estate ? Why ?
Replies: 25
Views: 2099

Do you invest in Real Estate ? Why ?

Folks,
1. Do you invest in Real Estate ?
2. If yes, Why do you invest ? Cash Flow vs 3-Fund-Portfolio ?
3. If not, Why not ?
I'll appreciate if you please share any real experiences; My Financial Advisor advised me to consider Real Estate investments for Cash Flow diversification.
by confusedinvestor
Thu Mar 29, 2018 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Value Your Home for Net Worth Purposes?
Replies: 150
Views: 9000

Re: How Do You Value Your Home for Net Worth Purposes?

Most financial planning software and big brokerages (schwab, merryll edge (not Lynch) uses SmartZip. Typicaly it is bit lower vs Zillow/RedFin.
You can ask you Bank to get a free Appriasal as well.
by confusedinvestor
Mon Mar 26, 2018 11:01 am
Forum: Investing - Theory, News & General
Topic: DFA Funds Direct Access w/o Advisor ? John Hancock
Replies: 15
Views: 1969

Re: DFA Funds Direct Access w/o Advisor ? John Hancock

why DFA guys are not doing that great ? Change in Management ? or Just Value/Small tilt didnot work vs Blend Indexes for last 10 years ? Again, not performance chasing, but looks like DFA International Blend Index beat EAFE Index YTD ? The word on the street is that DFA guys aren't doing that great ...
by confusedinvestor
Mon Mar 26, 2018 1:28 am
Forum: Investing - Theory, News & General
Topic: DFA Funds Direct Access w/o Advisor ? John Hancock
Replies: 15
Views: 1969

DFA Funds Direct Access w/o Advisor ? John Hancock

Folks, Anyone invests in DFA Funds without using an Advisor ? What do you think of purchasing DFA Funds directly using John Hancock ? Any catch you see ? https://etf.jhinvestments.com/content/JHINV/en_us/etf/our-etfs/jhmd.html I found this information on accessing DFA funds directly from Larry S's A...
by confusedinvestor
Wed Mar 21, 2018 1:39 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Advisory
Replies: 21
Views: 2016

Re: Schwab Intelligent Advisory

I feel it is a great value compared with VPS. I just invest only 25K minimum and have unlimited access to CFPs with Planning Tools (MoneyGuidePro) ie $7/month of fees (not including portfolio ERs) I have been reading about this for some time and am intrigued. I have most of my accounts at Schwab and...
by confusedinvestor
Wed Mar 21, 2018 1:37 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Advisory
Replies: 21
Views: 2016

Re: Schwab Intelligent Advisory

Was it in Tax Sheltered account ? You could convert SIP to a Regular Portfolio at Schwab (just 5 min phone call) and then transfer entire ETFs via ACAT system to Vanguard. Schwab Fundamental ie Value oriented ETFs ERs are pretty much same as Vanguard's Value oriented Investor shares. Look into the a...
by confusedinvestor
Mon Mar 19, 2018 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth spending $1500 on a Planning Software?
Replies: 11
Views: 1135

Re: Is it worth spending $1500 on a Planning Software?

Do you like YNAB for $9/month vs Personal Capital Budgeting ? None of these does Tax projections or Tax scenario analysis. But, given the feedback, I'm also thinking it is a waste of my $1500, better to invest that per my AA. A lot of this you can already do with a combination of free tools such as ...
by confusedinvestor
Mon Mar 19, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth spending $1500 on a Planning Software?
Replies: 11
Views: 1135

Re: Is it worth spending $1500 on a Planning Software?

Thanks livesoft, Are you aware of any other tools? and/or less expensive ? But, I was bt impressed by the Tax strategies -- https://s3.amazonaws.com/helpscout.net/docs/assets/57202224c6979178c212a301/attachments/57f7e8469033600277a67c61/TaxEfficient_C_100716.pptx I don't think so. You might wish to ...
by confusedinvestor
Mon Mar 19, 2018 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth spending $1500 on a Planning Software?
Replies: 11
Views: 1135

Is it worth spending $1500 on a Planning Software?

Is it worth spending (125/month, 12 month commitment, 1500$) for a Financial Software like RightCapital ? It has a typical Monte-Carlo projection tool (FireSim) for all your goals, Custom Glide Path, Budget/Debt tool, Networth tracking, Tax Projections, Goal Planning, Collage Planning, Cash-Flow sta...
by confusedinvestor
Sat Mar 17, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: What return assumptions to use?
Replies: 26
Views: 2043

Re: What return assumptions to use?

What about the Dividend yield ~ 2% ?
carolinaman wrote:
Fri Mar 16, 2018 6:39 am
I use 3% real for equities and 1% real for fixed income. Based upon current inflation of around 2%, that would be 5% and 3% nominal respectively. I try to be conservative, but not overly so, in my planning.
by confusedinvestor
Fri Mar 16, 2018 1:17 am
Forum: Investing - Theory, News & General
Topic: What return assumptions to use?
Replies: 26
Views: 2043

Re: What return assumptions to use?

Planning - long term goals, eg Retirement in next 20/30/40 yrs, typically a Planning Software uses based on your age, and planned retirement age imputs.
AlohaJoe wrote:
Fri Mar 16, 2018 1:13 am

For planning what?
by confusedinvestor
Fri Mar 16, 2018 1:04 am
Forum: Investing - Theory, News & General
Topic: What return assumptions to use?
Replies: 26
Views: 2043

What return assumptions to use?

Experts, using a planning software, RightCapital using the default assumptions - https://help.rightcapital.com/article/121-return-assumptions which is JP Morgan Assumptions : https://www.assumptionsmatrices.com/ But BlackRoth assumptions are bit different vs JPM : https://www.blackrock.com/instituti...
by confusedinvestor
Sat Feb 24, 2018 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Low-cost Financial Advisor options for parents
Replies: 18
Views: 1066

Re: Low-cost Financial Advisor options for parents

I suggest Schwab Intelligent Advise. Unlimited CFP access for $75/year - much better than Vanguard VPAS and half the price of Vanguard.
by confusedinvestor
Thu Feb 22, 2018 12:42 am
Forum: Investing - Help with Personal Investments
Topic: Help invest an extra $5,000 per month
Replies: 19
Views: 2323

Re: Help invest an extra $5,000 per month

You can call Vanguard (maybe VPAS ?) ask this question, but, you may check Vanguard 20/80 LifeStrategy fund. https://investor.vanguard.com/mutual-funds/lifestrategy/#/mini/overview/0723 Typically, it is not not recommended to invest in Stock Market if your investment timeframe is 3-5 years. Do you w...
by confusedinvestor
Tue Feb 13, 2018 11:47 am
Forum: Investing - Theory, News & General
Topic: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?
Replies: 40
Views: 3585

Re: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?

Hi Livesoft, Interesting business proposition. Well, I got carried away by Schwab's 'markerting fluff' of Auto TLH in Schwab's Robo (Intelligent Portfolio) > 50K account... I'm hoping the market to tank so my STC gains will reduce so i can liquidate w/o limited tax gain impacts and do correct asset ...
by confusedinvestor
Fri Feb 09, 2018 12:07 am
Forum: Investing - Theory, News & General
Topic: Passive Investing / Index Fund Bubble - ?
Replies: 4
Views: 752

Passive Investing / Index Fund Bubble - ?

Per CNBC and/or many other sources, they say current market drop may be due to passive investing bubble ? Is this another trick by Wall Street and/or Media ? How would BH feel about this? https://www.etftrends.com/is-there-a-passive-investing-bubble/ I'm staying the course with my 3 Fund P, keeping ...
by confusedinvestor
Thu Feb 08, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: No Emergency Funds yet Major Car Emergency
Replies: 47
Views: 3163

Re: No Emergency Funds yet Major Car Emergency

Not yet, b/c, I am getting a AAA membership today before I can get my tow covered by AAA - My last toe was covered by Geico and they wont cover a 2nd tow, per policy I'll update everyone what my local mechanic says, thank you all for all the help! Have you had the car diagnosed by a local independan...
by confusedinvestor
Thu Feb 08, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: No Emergency Funds yet Major Car Emergency
Replies: 47
Views: 3163

Re: No Emergency Funds yet Major Car Emergency

I have always took care of my car from the authorized mazda dealer and my last service was 8 weeks back and they said everything is ok, fluid levels, oil - muti point inspection passed, yet, how come my engine of 2011 80K died after driving 4 miles with solid yellow check-engine light with no prior ...
by confusedinvestor
Thu Feb 08, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: No Emergency Funds yet Major Car Emergency
Replies: 47
Views: 3163

Re: No Emergency Funds yet Major Car Emergency

Watty, Thank you so much for your detailed thoughts and advises! My Mazda is 2011 with 84K Miles on it, and, I own it. 1.Do you know what is the difference of 'rebuilt' engine vs 'engine from a wrecked car' ? 2. After I install the "used" engine, beside smog re-test, is there any other 3rd party ind...
by confusedinvestor
Thu Feb 08, 2018 12:09 am
Forum: Personal Finance (Not Investing)
Topic: No Emergency Funds yet Major Car Emergency
Replies: 47
Views: 3163

Re: No Emergency Funds yet Major Car Emergency

Thank you everyone for all your help. Updates, Facts: - My check-engine 'yellow' light never flashed nor showed Red indicating that engine is getting overheated to the point of complete failure - After my engine light came on, i drove approx 5-7 miles max before my car shutdown with engine out - My ...
by confusedinvestor
Wed Feb 07, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: No Emergency Funds yet Major Car Emergency
Replies: 47
Views: 3163

Re: No Emergency Funds yet Major Car Emergency

I saw the engine light and in matter of 5 mins, my car went to a screeching stall and I had to call the cops as i was on unsafe position with my 7 yr old twins in the back seats. Sad situation. Does water pump goes out yet it doesnt show a warning light? Dealer is saying they found coolent mixed wit...
by confusedinvestor
Wed Feb 07, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: No Emergency Funds yet Major Car Emergency
Replies: 47
Views: 3163

Re: No Emergency Funds yet Major Car Emergency

I have 80K miles,
What is lemon law communication ?
rgs92 wrote:
Wed Feb 07, 2018 12:18 pm
This sounds like a defective engine, even out of warranty, if it has less than, say, 60K miles. Even if you pay it, I would try some lemon-law communication to Mazda or others.
by confusedinvestor
Wed Feb 07, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: No Emergency Funds yet Major Car Emergency
Replies: 47
Views: 3163

Re: No Emergency Funds yet Major Car Emergency

Great advise, let me call the local shop now...thank you!
ps: Glad I reached out to my BH Support group for help....
ps: Now, I know the point of 3 month of EF.
Watty wrote:
Wed Feb 07, 2018 11:29 am
One other thought, if you call the other shop they can likely arrange to have it towed for a lower cost than you can.
by confusedinvestor
Wed Feb 07, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: No Emergency Funds yet Major Car Emergency
Replies: 47
Views: 3163

Re: No Emergency Funds yet Major Car Emergency

Thank you! this helps. Given my brand new factory installed engine went out in 7 yrs, i'd take risk with used engine with local shop. Local shop will give warranty for 6 months. I think I have a Bank of America Travel Rewards Credit Card which offers 0% interest for 12 months, I may use that... Than...
by confusedinvestor
Wed Feb 07, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: No Emergency Funds yet Major Car Emergency
Replies: 47
Views: 3163

No Emergency Funds yet Major Car Emergency

Hello Folks, Need some help please. I have no Emergency Funds and now have a Car emergency. My 2011 Mazda CX-9 broke down yesterday and the dealer said my Engine is out (due to undecteded water pump leak ?, normal wear and tear of water pump and coolent leaked and blew out my engine) and now it will...
by confusedinvestor
Mon Feb 05, 2018 6:27 pm
Forum: Investing - Theory, News & General
Topic: NextAdvisor - Anyone using this? $10/month
Replies: 4
Views: 525

Re: NextAdvisor - Anyone using this? $10/month

Yes, I do use that Schwab feature but it doesnt show my AA (Stock vs Bonds) nor any Tax Locations - It just tracks the overall Networth Schwab has a new feature that allows you to link non-Schwab accounts to your Schwab account and see all your financial holdings in one place. I don't know if Vangua...
by confusedinvestor
Mon Feb 05, 2018 3:54 pm
Forum: Investing - Theory, News & General
Topic: NextAdvisor - Anyone using this? $10/month
Replies: 4
Views: 525

NextAdvisor - Anyone using this? $10/month

Hello Folks, Is it worth paying $10/month using NetAdvisor to link all external accounts (His/Her 401ks, Roths, Taxables, HSAs) to track entire portfolio and/or goals with tax insights ? https://www.nextcapital.com/#/track They have both free and premium service (10$/month) I currently use Personal ...
by confusedinvestor
Fri Jan 26, 2018 2:18 am
Forum: Investing - Help with Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 6269

Re: Your bond allocation when you were 48

Age - 25
My Age: 43, so 80:20 now.
retire by 57: 60:40 until death - then step by basis for my kids
by confusedinvestor
Fri Jan 26, 2018 1:25 am
Forum: Investing - Help with Personal Investments
Topic: Recommendation from a Fee Only Advisor
Replies: 25
Views: 2642

Re: Recommendation from a Fee Only Advisor

Thank you Livesoft. Just sharing - this is a good article. https://www.kitces.com/blog/risk-composure-stability-risk-perception-predicting-investor-behavior-biases/#disqus_thread Last year, I paid 2 advisers to run same Risklyze for my wife so she has better understanding of risk aversion most impor...
by confusedinvestor
Thu Jan 25, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 132
Views: 19680

Re: My boneheaded financial mistakes

Given this comment, I am thinking now if I made a mistake of Choosing Schwab vs Vanguard a year back for my Taxable Brokerage? In Schwab, I do invest now only with Schwab 3 Funds portfolio but, I do get commission free Vanguard mutual funds investor class shares. open TD ATrade and Scott T to get si...
by confusedinvestor
Thu Jan 25, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 132
Views: 19680

Re: My boneheaded financial mistakes

Which Robo do you use? Just Curious. I use Schwab. I worte in my IPS to use Schwab Robo for Auto TLH but expect to under perform 3 Fund over long run, but, it stick to it. No TLH in Schwab for last 1 yr, i guess b/c market keeps going up ? - Investing in Robo Advisors in Taxable Accounts Why is this...
by confusedinvestor
Thu Jan 25, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 132
Views: 19680

Re: My boneheaded financial mistakes

+1 Probably my biggest mistakes was the fear of making a mistake...........sorta like.....paralysis by analysis. :| I was a perfectionist......(not so much anymore) but that condition can be a serious impediment to learning. Eventually, I started to push myself on certain issues. Yep....made a few b...
by confusedinvestor
Thu Jan 25, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 132
Views: 19680

Re: My boneheaded financial mistakes

Yes, spoke with VPS, I think 0.30 for 50K is high, given all they offer is typical 3 Fund + BNDX I do use Schwab SIA - .28 on 25K (half the price of VPS) with unlimited CFP calls and access to MoneyGuidePro - but, I plan on dropping it once I'm financially educated...thanks to this forum and folks l...
by confusedinvestor
Thu Jan 25, 2018 1:52 am
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 132
Views: 19680

Re: My boneheaded financial mistakes

My Mistakes: - Joined this Forum 2012, yet, not finished reading our WiKi until 2017 - Rushed Buying a House in 5 days after moving to a new city with little kids - Not contributing to 401K as I never asked what a 401K is during employee orientation - Loss of 5 yrs of employer match of 6K - Rolled o...
by confusedinvestor
Thu Jan 25, 2018 12:16 am
Forum: Investing - Help with Personal Investments
Topic: Recommendation from a Fee Only Advisor
Replies: 25
Views: 2642

Re: Recommendation from a Fee Only Advisor

Thank you. Do you have recommendations how one can avoid/correct such 'combination' of behavioral errors pointed out in our wiki? Do you think if one can precisely calculate his risk tolerance he will be insured from Risk Aversion behavioral pitfall ? The biggest behavioral error is Loss Aversion. S...
by confusedinvestor
Wed Jan 24, 2018 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendation from a Fee Only Advisor
Replies: 25
Views: 2642

Re: Recommendation from a Fee Only Advisor

Livesoft, What are behavioral errors you suggest we should all avoid ? Here is few of my few behavioral issues I plan on addressing this year: -- not investing yet saving -- not staying the course -- not gliding risk as I age -- not creating a goal plan yet investing -- not knowing my need/ability/w...
by confusedinvestor
Wed Jan 24, 2018 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendation from a Fee Only Advisor
Replies: 25
Views: 2642

Re: Recommendation from a Fee Only Advisor

My adviser suggests 2 Fund Portfolio this:

VT 70
TIPS 30
by confusedinvestor
Mon Jan 22, 2018 9:42 am
Forum: Investing - Theory, News & General
Topic: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?
Replies: 40
Views: 3585

Re: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?

6% cash is part of Fixed income allocation and is considered a 0 yr duration bond, only drag would be 2-8 bps if we compare with short term bond (not compare cash drag with 100% stocks) and Schwab gives 15 - 25 bps interest on that cash. Cash drag is overblown. this was thoroughly backtested in this...
by confusedinvestor
Sun Jan 21, 2018 11:16 pm
Forum: Investing - Theory, News & General
Topic: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?
Replies: 40
Views: 3585

Re: Automated Tax Loss Harvesting by Robo Advisor - Anyone with real results?

1.1 with 6K/year ($500/month investments to encourage savings) which was $65/yr in fees. But I may not use her anymore as she has to increase her fees b/c she cant trade commission-free VT anyone in TD. She does hourly consultation $150/hr and she is a CFA+CFP. Also lot of Bogleheads dont like Finan...