Search found 690 matches

by elgob.bogle
Sat May 20, 2017 3:37 am
Forum: Investing - Theory, News & General
Topic: "Stocks, Bonds and Future Returns" by Prof. Jeremy Siegel
Replies: 65
Views: 5077

Re: "Stocks, Bonds and Future Returns" by Prof. Jeremy Siegel

Thanks! Great visuals to go with my morning coffee.

elgob
by elgob.bogle
Thu May 18, 2017 1:30 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 12164

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

4% Taxable, 34% in 401k/403b, 62% in ROTH I'm 69 & DW is 62

elgob
by elgob.bogle
Sat May 06, 2017 4:11 am
Forum: Investing - Theory, News & General
Topic: Financial Literacy
Replies: 27
Views: 2222

Re: Financial Literacy

I have to admit that I scored only 87%, and the questions that I missed were all annuity questions. My results make me think that the test is designed to make participants think more about annuities. Nice ploy to spark interest!

elgob
by elgob.bogle
Thu Apr 20, 2017 5:04 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 36624

Re: Larry Swedroe says "Goodby."

This is sad day for all of us! Larry, if you are reading this thread, just want you to know that I have more of your books in my library than those of any other financial author.

ellgob
by elgob.bogle
Sat Apr 15, 2017 5:54 pm
Forum: Investing - Theory, News & General
Topic: Is it necessary to diversify across Factors?
Replies: 123
Views: 6852

Re: Is it necessary to diversify across Factors?

Not easy question to answer. I have pondered whether or not to have a strong factor tilt and reduce my left tail exposure now that I am retired. Still more heavily influenced by the 3-fund portfolio gang than I am by the tilting crowd. The min problem that I see in the tilting is that it may take ma...
by elgob.bogle
Thu Apr 06, 2017 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Secretly entered two comma club
Replies: 44
Views: 7005

Re: Secretly entered two comma club

"Stealth millionaire is better"
+1

elgob
by elgob.bogle
Tue Apr 04, 2017 4:41 pm
Forum: Investing - Theory, News & General
Topic: Help me decide!
Replies: 5
Views: 682

Re: Help me decide!

Have you used portfolio visualizer (https://www.portfoliovisualizer.com/) to analyze all of your various scenarios? It can be a good place to get additional insight.

elgob
by elgob.bogle
Mon Apr 03, 2017 1:28 pm
Forum: Investing - Theory, News & General
Topic: 100% stocks in ROTH?
Replies: 27
Views: 1745

Re: 100% stocks in ROTH?

We currently have only safe bonds (ST Treasury & ST TIPS Funds) in our ROTH accounts, and equity funds in tax-deferred. Until late last year, placement was just the opposite. We enjoyed a good expansion of our ROTH money, with relatively very little decrease in bond values. The switch basically ...
by elgob.bogle
Fri Mar 31, 2017 1:40 pm
Forum: Investing - Theory, News & General
Topic: Does your asset allocation derate tax-deferred holdings to account for future tax liability?
Replies: 163
Views: 7652

Re: Does your asset allocation derate tax-deferred holdings to account for future tax liability?

FWIW - our AA is currently 37.8% stocks : bonds 62.2% (dear wife's age in bonds). Our average effective Federal Income Tax Rate over the past 10 years is about 20%. A second set of rows in our spreadsheet uses this average effective tax rate to devalue assets in dear wife's tIRA. The resultant AA is...
by elgob.bogle
Wed Mar 22, 2017 10:49 pm
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 8447

Re: The $1,124,176 Car.

We miss our Camaro, Mustang GT, Mustang Convertible & Porsche sports cars that we used to drive. However, our current Honda Civic EX allows us to plan on eating steak until we die, instead of dog food! Thanks for the post.

elgob
by elgob.bogle
Wed Mar 22, 2017 2:02 pm
Forum: Investing - Theory, News & General
Topic: Tax Strategies for Lowering Tax Bracket & Increasing Retirement
Replies: 5
Views: 1293

Re: Tax Strategies for Lowering Tax Bracket & Increasing Retirement

Welcome to the forum. Have you visited the forum at http://fairmark.com/ They tend to have lots of people answering these types of questions.

elgob
by elgob.bogle
Wed Mar 22, 2017 10:47 am
Forum: Investing - Theory, News & General
Topic: Trying to Time the Market
Replies: 8
Views: 1363

Re: Trying to Time the Market

Thanks - I enjoyed reading this. See https://en.wikipedia.org/wiki/Schadenfreude

elgob
by elgob.bogle
Wed Mar 22, 2017 10:22 am
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 10078

Re: Anyone else taking less risk

Isn't it interesting how we pay attention when the mostly disinterested spouse says something. We sold our 10-year rolling TIPS ladders because dear wife, who usually does not get involved, let me know that she didn't want to buy TIPS at auction to maintain the ladder when I pass - too much work. Co...
by elgob.bogle
Tue Mar 21, 2017 10:01 pm
Forum: Investing - Theory, News & General
Topic: Why buying the falling funds don’t work?
Replies: 7
Views: 1121

Re: Why buying the falling funds don’t work?

Hmmm! Welcome to the forum. I suggest that you read up on RBD = Really Bad Day (e.g. viewtopic.php?t=184463) for a a little more insight.

elgob
by elgob.bogle
Tue Mar 21, 2017 8:20 pm
Forum: Investing - Theory, News & General
Topic: Motif Investing Implementation of Ultimate Buy and Hold
Replies: 26
Views: 2884

Re: Motif Investing Implementation of Ultimate Buy and Hold

Thanks Paul, for jumping in early and clarifying. I have a sister who may interested in this, and will forward to her the link to this thread.

elgob
by elgob.bogle
Mon Mar 20, 2017 9:50 pm
Forum: Investing - Theory, News & General
Topic: Asset allocation and asset placement question?
Replies: 4
Views: 456

Re: Asset allocation and asset placement question?

Putting your bonds in tax deferred allow you to take advantage of potentially lower capital gains taxes on your equities. If equities are in deferred accounts, you would pay ordinary income tax rates, which are usually higher.

elgob
by elgob.bogle
Sun Mar 19, 2017 12:41 pm
Forum: Investing - Theory, News & General
Topic: 15% International Small-Cap vs 30% Total International
Replies: 47
Views: 3608

Re: 15% International Small-Cap vs 30% Total International

rollsound - considering the backtester that triceratops linked and what Larry Swedroe noted, you could achieve the same results as shown for backtester portfolio 3 with 20% US small cap value, 20% International Small, 30% TIPS & 30% Short Term Treasuries (try plugging in these values), and there...
by elgob.bogle
Sun Mar 19, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 10078

Re: Anyone else taking less risk

Last year, we sold our 10-year TIPS bond ladder and intermediate bond funds, and loaded up on a combination of the Vanguard Short Term TIPS Fund and the Vanguard Short Term Treasury Fund, reducing risk on that side of the portfolio. We recently adjusted our AA from my age in bonds to my spouse's age...
by elgob.bogle
Sun Mar 05, 2017 11:49 am
Forum: Investing - Theory, News & General
Topic: Would like comments on this Roth Conversion quote.
Replies: 30
Views: 2539

Re: Would like comments on this Roth Conversion quote.

mayhapbh listed 3 Roth IRA advantages. Another is that future Roth IRA withdrawals (relative to tIRA withdrawals) will not impact Medicare Part B payments. Can anyone think of/list other benefits?

elgob
by elgob.bogle
Fri Mar 03, 2017 7:38 pm
Forum: Investing - Theory, News & General
Topic: BND flat today despite interest rate announcement
Replies: 22
Views: 3290

Re: BND flat today despite interest rate announcement

"Suppose we have a fund with a NAV of $1.00. News becomes available of a possible event that will lower its price by 10%. For the sake of argument, assume the event is something simple like a coin flip so we can estimate its probability as very close to 50%. How much should an efficient market ...
by elgob.bogle
Fri Mar 03, 2017 7:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard and bond recomendations
Replies: 18
Views: 1950

Re: Vanguard and bond recomendations

"I believe that the 110 minus age formula yields a suggested stock allocation with the remainder being equities. "

Huh????

elgob
by elgob.bogle
Tue Feb 21, 2017 3:27 pm
Forum: Investing - Theory, News & General
Topic: Why are HSAs called "triple tax advantaged"?
Replies: 45
Views: 3343

Re: Why are HSAs called "triple tax advantaged"?

Duhhhhhh! Thanks folks!

elgob
by elgob.bogle
Mon Feb 20, 2017 8:40 pm
Forum: Investing - Theory, News & General
Topic: Why are HSAs called "triple tax advantaged"?
Replies: 45
Views: 3343

Re: Why are HSAs called "triple tax advantaged"?

She contributed everything. Yes - it is a Health Savings Account and nothing else. We faithfully filed out the correct forms and our pretax deduction was rejected. Therefore, we paid tax on the $$. Now that the $$ is in her HSA account, we enjoy all of the other benefits. I don't understand the rule...
by elgob.bogle
Mon Feb 20, 2017 8:00 pm
Forum: Investing - Theory, News & General
Topic: Why are HSAs called "triple tax advantaged"?
Replies: 45
Views: 3343

Re: Why are HSAs called "triple tax advantaged"?

My spouse has a "cafeteria: health plan where she works plus a HSA. I am confused about the rules which disallow any deduction for HSA in such a situation. Perhaps I don't have it right (memory is fuzzy), but the IRS kicked back our return a few years back when we attempted to claim a deduction...
by elgob.bogle
Tue Jan 31, 2017 12:07 pm
Forum: Investing - Theory, News & General
Topic: possible to reduce my holding of international with my setup
Replies: 5
Views: 541

Re: possible to reduce my holding of international with my setup

You didn't mention in what type of account your international holdings are. If in taxable, you could consider tax loss harvesting as a way to ease the sting of losses

elgob
by elgob.bogle
Sat Jan 21, 2017 1:52 pm
Forum: Investing - Theory, News & General
Topic: RMD question
Replies: 20
Views: 2685

Re: RMD question

You might want to read about his follow-up study: http://www.caniretireyet.com/the-best-r ... ng-deeper/


elgob
by elgob.bogle
Sun Jan 08, 2017 3:28 pm
Forum: Investing - Theory, News & General
Topic: WSJ - It's time for Fees to go even lower - Jason Zweig
Replies: 7
Views: 1664

Re: WSJ - It's time for Fees to go even lower - Jason Zweig

After reading the article, I am now looking forward to reading Warren Buffett's next shareholder letter.

elgob
by elgob.bogle
Wed Jan 04, 2017 8:38 am
Forum: Investing - Theory, News & General
Topic: A Funny Thing Happened at Vanguard on the way to our 2017 ROTH Contributions
Replies: 12
Views: 2873

Re: A Funny Thing Happened at Vanguard on the way to our 2017 ROTH Contributions

I checked this morning. Our balance in that account is $0.01. Perhaps we will just let it ride until next year. Our hope is that someone at Vanguard will pick up on this thread and remedy the situation.

elgob
by elgob.bogle
Tue Jan 03, 2017 4:10 pm
Forum: Investing - Theory, News & General
Topic: 10 Ways to Fend Off Medicare Surtaxes and Social Security Givebacks
Replies: 0
Views: 399

10 Ways to Fend Off Medicare Surtaxes and Social Security Givebacks

I found this article to be an interesting summary of tactics. http://www.forbes.com/sites/baldwin/201 ... 684dcf1a78 I am guessing that most BH do/plan to do these things already.

elgob
by elgob.bogle
Tue Jan 03, 2017 1:41 pm
Forum: Investing - Theory, News & General
Topic: Paying Vanguard (Roth) IRA transaction fees from a non-retirement account
Replies: 6
Views: 469

Re: Paying Vanguard (Roth) IRA transaction fees from a non-retirement account

Welcome to the forum! Could you convert your ROTH contribution amount to a Vanguard fund first, and then move $$ from this fund into your ROTH account?

elgob
by elgob.bogle
Tue Jan 03, 2017 1:19 pm
Forum: Investing - Theory, News & General
Topic: Champion of 401K Lament the Revolution they Started
Replies: 75
Views: 5001

Re: Champion of 401K Lament the Revolution they Started

This "I would gladly keep all of my fica and medicare tax and invest on my own in 401k."

elgob
by elgob.bogle
Mon Jan 02, 2017 9:55 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1332
Views: 224922

Re: What are you up YTD? [Year To Date]

Up 8.7% in 2016. Broke even last year, so our 2-year performance is "not-so-good". We have a bond-heavy portfolio.

elgob
by elgob.bogle
Mon Jan 02, 2017 9:29 am
Forum: Investing - Theory, News & General
Topic: A Funny Thing Happened at Vanguard on the way to our 2017 ROTH Contributions
Replies: 12
Views: 2873

A Funny Thing Happened at Vanguard on the way to our 2017 ROTH Contributions

In late December 2016, we transferred via check from our credit union, a total of $13k to a joint Vanguard money market account. The purpose of this transfer was to have funds ready for exchange/purchase of $6500 in mutual funds in each of our ROTH IRA accounts on the first day of business (January ...
by elgob.bogle
Sun Dec 11, 2016 11:58 am
Forum: Investing - Theory, News & General
Topic: Jason Zweig - Ben Graham speech
Replies: 16
Views: 4546

Re: Jason Zweig - Ben Graham speech

Thank you CyberBob for reviving this thread.

elgob
by elgob.bogle
Sun Dec 11, 2016 11:38 am
Forum: Investing - Theory, News & General
Topic: Traditional IRA to Roth for tax deduction
Replies: 3
Views: 346

Re: Traditional IRA to Roth for tax deduction

I have done several IRA to ROTH rollovers. All I had to do was ask the custodian (Vanguard) to do it for me. When you put money in a ROTH IRA, it is after tax money. When rolling an account, it is best to use cash from a taxable account to pay the taxes. I used the quarterly IRS estimated taxes for ...
by elgob.bogle
Wed Nov 30, 2016 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: VG tax exempt funds
Replies: 12
Views: 1290

Re: VG tax exempt funds

The short answer is yes.

elgob
by elgob.bogle
Wed Nov 30, 2016 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor's Late to Retirement Portfolio Help
Replies: 15
Views: 1240

Re: New Investor's Late to Retirement Portfolio Help

WELCOME to the forum. Your questions are way over my head. Consider PM to Larry Swedroe.

elgob
by elgob.bogle
Wed Nov 30, 2016 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: VG tax exempt funds
Replies: 12
Views: 1290

Re: VG tax exempt funds

For intermediate term, 5 years to break even for a one-time rate hike. Spouse expects to retire in 3 years, which will require some expenditures (new vehicle, etc), which is why I am invested in Limited Term TE bonds instead of Intermediate Term. It is called "Duration Matching". If you do...
by elgob.bogle
Wed Nov 30, 2016 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: New investor with $150k cash seeking Boglehead wisdom (self-employed)
Replies: 9
Views: 1695

Re: New investor with $150k cash seeking Boglehead wisdom (self-employed)

If I was your age, I would convince GF to move to the Dakotas, especially South Dakota, which has the lowest tax rates. In fact, if you "Google" South Dakota Residency (or similar) you will find a number of sites that offer South Dakota Residency Application packages for a nominal fee. I a...
by elgob.bogle
Wed Nov 30, 2016 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: VG tax exempt funds
Replies: 12
Views: 1290

Re: VG tax exempt funds

We have Limited-Term Tax Exempt Admiral Funds also and are "staying the course". The duration of this fund is two years, which translates to if a one-time interest increase occursa, it will take about 2 years for the increased interest payments to put me/you back to "even". Paral...
by elgob.bogle
Wed Nov 30, 2016 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones to Vanguard - about to make the move
Replies: 46
Views: 4640

Re: Edward Jones to Vanguard - about to make the move

Are there any penalties for getting out of your current funds?

elgob
by elgob.bogle
Wed Nov 30, 2016 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: New Company New (bad) Plan - Suggestions, Please?
Replies: 9
Views: 860

Re: New Company New (bad) Plan - Suggestions, Please?

I know that htis does not resolve your issues, but consider contributing up to any match, and then put the rest in an IRA/ROTH IRA at Vanguard where you can pick and choose.

elgob
by elgob.bogle
Wed Nov 30, 2016 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help me sell our TIPS
Replies: 11
Views: 1163

Re: Help me sell our TIPS

This Fund's TIPS allocation is worth considering: Vanguard Target Retirement Income Fund composition as of 10/31/2016 Total Bond Market Index Fund 37.3% Total International Bond Index Fund 15.9% Short-Term Inflation-Protected Securities Index Fund 16.8% Total Stock Market Index Fund 18.0% Total Inte...
by elgob.bogle
Sat Nov 26, 2016 8:07 am
Forum: Investing - Theory, News & General
Topic: Composition of US National Debt
Replies: 28
Views: 3763

Re: Composition of US National Debt

"Google" is your friend! Try starting here: https://en.wikipedia.org/wiki/National_ ... ted_States

elgob
by elgob.bogle
Tue Nov 22, 2016 3:31 pm
Forum: Investing - Theory, News & General
Topic: What was your Asset Allocation before and after retirement?
Replies: 91
Views: 10324

Re: What was your Asset Aloocation before and after retirement?

I was at "age in bonds" when I retired 5 years ago, and I am still at "age in bonds". Have been reducing equity position about 1% per year.

elgob

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