Search found 1002 matches

by feh
Wed Jan 11, 2017 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance into cash
Replies: 44
Views: 3048

Re: Rebalance into cash

My instincts tell me to sell when the market tanks, but the rational move is to buy when the market is down. Instincts are a bad guide to investing. Following dotcom bust in 1999, market was down the next three years: -10%, -13%, -23% Is it really a given that the market will always recover? Nothin...
by feh
Tue Jan 10, 2017 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance into cash
Replies: 44
Views: 3048

Re: Rebalance into cash

erik265 wrote:I know a lot of you will say then stick to the casino and go gamble there even if you think the odds are in your favor but does anyone agree with my rational at all??


Go ahead and do it. Let us know the results.
by feh
Tue Jan 10, 2017 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: How often do you make contributions to your portfolio?
Replies: 15
Views: 1009

Re: How often do you make contributions to your portfolio?

DeathFalcon wrote:401k aside, how often do you contribute to your portfolio


Every paycheck and whenever there are surplus funds available.

DeathFalcon wrote:and do you rebalance your portfolio at each contribution?


Nope. Once a year or according to tolerance bands.
by feh
Sat Jan 07, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 230
Views: 13836

Re: Annual Vacation Budget

Family of three, one destination vacation for anywhere from 6-10 days.

$3.5 -> $7.5K
by feh
Sat Jan 07, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Cash vs. having a Mortgage on Retirement Home
Replies: 11
Views: 1196

Re: Paying Cash vs. having a Mortgage on Retirement Home

I wold want to stay debt-free. The math may disagree, but life without a mortgage is too good to discontinue.
by feh
Tue Jan 03, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: use taxable funds to max 401K contribution?
Replies: 6
Views: 509

Re: use taxable funds to max 401K contribution?

All that said it would take a compelling case to not take a 28% tax break. If that turns out not to be the optional choice 30 years from now you would probably be talking about a modest percentage difference then, not a terrible mistake. Thanks Watty. I agree - I don't think it will make a whole lo...
by feh
Tue Jan 03, 2017 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: use taxable funds to max 401K contribution?
Replies: 6
Views: 509

Re: use taxable funds to max 401K contribution?

How confident are you in the 25% tax bracket for retirement? Is that your tax bracket based on in part on income coming out of retirement accounts, or only income from other sources? Fairly certain, although not 100%. Most of the passive income will be from a business. In general I'd say the answer...
by feh
Tue Jan 03, 2017 12:53 pm
Forum: Investing - Theory, News & General
Topic: Are Younger people funding 529 Plans?
Replies: 109
Views: 7302

Re: Are Younger people funding 529 Plans?

I have a theory based on people I talk to in their mid20s-mid30s. 529 plan investing is not a priority. Anyone aware of recent data highlighting inflows to 529 Plans by age range? I'm having a hard time recommending they do it based on reasoning they're providing: -College is so expensive, my kid m...
by feh
Tue Jan 03, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: use taxable funds to max 401K contribution?
Replies: 6
Views: 509

Re: use taxable gains to max 401K contribution?

livesoft wrote:Can you pay the same taxes and move assets into a Roth IRA or Roth 401(k) instead?


Can you expound on this thought please? I do have Roth 401K available, and we will probably be under the income limit to contribute to a Roth IRA.
by feh
Tue Jan 03, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: use taxable funds to max 401K contribution?
Replies: 6
Views: 509

use taxable funds to max 401K contribution?

Hi folks. First, a little background info: 50 years old, semi-retired (working 2 days/week). Portfolio is almost evenly split between taxable and tax-advantaged accounts. Given my reduced income due to going part time, for the first time in decades I will not earn enough this year to pay bills and m...
by feh
Mon Jan 02, 2017 11:41 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1275
Views: 205360

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

M* portfolio tracker says my return for 2016 was 9.7% Not sure if that includes dividends or not (I think it does). If you are looking at a "total return" column on Morningstar portfolio manager, it does include dividends. Yes, that's the column I'm looking at. So,what was the change in t...
by feh
Mon Jan 02, 2017 10:37 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1275
Views: 205360

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

M* portfolio tracker says my return for 2016 was 9.7%

Not sure if that includes dividends or not (I think it does).
by feh
Sun Jan 01, 2017 2:16 pm
Forum: Investing - Theory, News & General
Topic: Are International Markets overdue for great gains?
Replies: 43
Views: 3480

Re: Are International Markets overdue for great gains?

Are ex-US funds overdue for gains? I'd say absolutely not; the concept that if something hasn't happened in a while then it is sure to happen soon is a human fallacy.

Are es-US equities cheaper than US equities at this time? Absolutely.
by feh
Sun Jan 01, 2017 2:02 pm
Forum: Investing - Theory, News & General
Topic: What inflation rate do you use for your planning?
Replies: 67
Views: 4081

Re: What inflation rate do you use for your planning?

alexost wrote:I use 3% inflation and believe this is moderately conservative.


+1
by feh
Tue Dec 27, 2016 8:27 am
Forum: Investing - Theory, News & General
Topic: What is a "standard" Small Cap tilt portfolio
Replies: 46
Views: 4517

Re: What is a "standard" Small Cap tilt portfolio

...I hold both VSS and IJS for my ex-US small, but VSS comprises about 70% of that category in my portfolio. is there an Ex-US version of IJS? Other than the 0.25% ER, does it cost anything to trade and to maintain IJS in the Vanguard platform? Ah, my bad. I meant SCZ in my post above, not IJS. Com...
by feh
Tue Dec 27, 2016 12:01 am
Forum: Investing - Theory, News & General
Topic: What is a "standard" Small Cap tilt portfolio
Replies: 46
Views: 4517

Re: What is a "standard" Small Cap tilt portfolio

...Vanguard unfortunately doesn't offer such good options in international where being small becomes even more important because the largest diversification benefits come from small stocks, not large... Interesting. I'll have to do some more reading. I hold both VSS and IJS for my ex-US small, but ...
by feh
Mon Dec 19, 2016 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 123
Views: 16038

Re: Fidelity free Turbotax

My statements say I am in the "Private Client Group" and the website says I am an "Active Trader", but I am not getting the offer for the free TurboTax Premium. I called the Private Client Group and they said you need to have 120 trades a year to get the offer. Sounds like there...
by feh
Mon Dec 19, 2016 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 1.25% 11 month with no EWP
Replies: 76
Views: 8470

Re: Ally Bank 1.25% 11 month with no EWP

Vanguard's Limited Term Tax Exempt Bond fund (VMLTX) has a current SEC yield of 1.47%. For those of us in high federal tax brackets (33% for me), I think this may make more sense than even the Ally 11-month CD. It's average duration is about 2.5 years and it's risk is rated level 1 on Vanguard's si...
by feh
Mon Dec 19, 2016 1:12 pm
Forum: Investing - Theory, News & General
Topic: Emergency Fund -part of assets or separate.
Replies: 15
Views: 1273

Re: Emergency Fund -part of assets or separate.

I consider my EF as part of my net worth. I don't consider it part of my investment portfolio.

Of course, given where I am in the accumulation phase, the difference would be minimal anyway.
by feh
Mon Dec 19, 2016 12:52 pm
Forum: Investing - Theory, News & General
Topic: Is VBR a no-brainer over IJS?
Replies: 41
Views: 6355

Re:

livesoft wrote:I've owned both. They make a great pair for tax-loss harvesting.


+1

I own both.
by feh
Tue Dec 13, 2016 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 123
Views: 16038

Re: Fidelity free Turbotax

I also see an offer for free TT Online Premier at Fidelity. You can also download. It is a bit tricky to get to the download screen. Yes, the navigation could be clearer, but I've successfully downloaded a free copy. On the pages I saw along the way, one said State would cost extra, while another p...
by feh
Tue Dec 13, 2016 11:58 am
Forum: Personal Consumer Issues
Topic: Learning an instrument as an adult?
Replies: 123
Views: 9700

Re: Learning an instrument as an adult?

I'm wondering if the violin may bee a good choice. I love classical music. So...please, either talk me into it or out of it. I don't want to dissuade you, if violin is something you have your heart set on, but beware - it is a very difficult instrument to play well. The lack of frets and pulling a ...
by feh
Mon Dec 05, 2016 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Do You Consider Dividends As Income?
Replies: 65
Views: 4160

Re: Do You Consider Dividends As Income?

When figuring annual income, do you include your dividends? Even when they are re-invested? This is not an income tax query. I'm just wondering if - in your mind - you factor them in. I thinking maybe in this first year of retirement and living on 2 pensions, it would make me feel 'wealthier' to in...
by feh
Mon Dec 05, 2016 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: How do you save copies of your tax forms and supporting docs?
Replies: 27
Views: 1973

Re: How do you save copies of your tax forms and supporting docs?

Rainmaker41 wrote:I have a 'Taxes' folder on my Google Drive. That has sub-folders for each year. Electronic versions of all relevant documents are kept there.


+1, although I use a different online storage vendor.

Simply create/save PDF versions of all documents.
by feh
Tue Nov 29, 2016 2:32 pm
Forum: Investing - Theory, News & General
Topic: Three fund portfolio for retirement
Replies: 79
Views: 9327

Re: Three fund portfolio for retirement

Lieutenant.Columbo wrote:
feh wrote:...I have rejected Liability Matching Portfolios.
feh,
would you mind sharing your approach, then?
thank you


I'm a total return investor. Standard boglehead portfolio (US equities, ex-US equities, total bond), but with SV tilt.

Not yet in withdrawal phase, but will follow VPW.
by feh
Tue Nov 29, 2016 2:06 pm
Forum: Investing - Theory, News & General
Topic: Three fund portfolio for retirement
Replies: 79
Views: 9327

Re: Three fund portfolio for retirement

Taylor wrote: Bogleheads: The big unknown costs in retirement are medical costs which can often exceed $100,000 (I already know). The average lifetime retirement health care premium costs for a 65-year-old healthy couple retiring this year and covered by Medicare Parts B, D, and a supplemental insu...
by feh
Tue Nov 29, 2016 1:45 pm
Forum: Investing - Theory, News & General
Topic: "Sequence of returns risk"
Replies: 42
Views: 2908

Re: "Sequence of returns risk"

rbaldini wrote:Multiplication is commutative. In the long run, it doesn't matter what order the returns come in.


Absolutely false: http://www.investopedia.com/terms/s/sequence-risk.asp
by feh
Tue Nov 29, 2016 1:22 pm
Forum: Investing - Theory, News & General
Topic: "Sequence of returns risk"
Replies: 42
Views: 2908

Re: "Sequence of returns risk"

I'm in my mid sixties and have been retired for about 6 years. Since these early years of my retirement were in a bull market, does that mean, all things being equal, I stand a better than average chance of my portfolio lasting for my lifetime. My portfolio currently is larger than it was when I re...
by feh
Tue Nov 29, 2016 1:19 pm
Forum: Investing - Theory, News & General
Topic: What is a "standard" Small Cap tilt portfolio
Replies: 46
Views: 4517

Re: What is a "standard" Small Cap tilt portfolio

Rick Ferri has at times suggested 25 - 33% of domestic stocks in small-cap value, and the remainder in total stock market. I decided to place 1/3 of our US equities in small-value. I try to do the same w/ ex-US equities, but it ends up being just small instead of SV, as ex-US SV funds are hard to f...
by feh
Tue Nov 29, 2016 1:01 pm
Forum: Investing - Theory, News & General
Topic: Three fund portfolio for retirement
Replies: 79
Views: 9327

Re: Three fund portfolio for retirement

bertilak wrote:
In retirement, it is income that matters.


Not if one is a total return investor.
by feh
Mon Nov 28, 2016 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating New Car Purchase
Replies: 34
Views: 3970

Re: Negotiating New Car Purchase

I've been looking online at local car dealership inventory, and as an example, the vehicle MSRP is $24,000. They have listed an "internet price" of $20,000. Which includes a $2,000 Rebate, along with a $500 Manufacturers Rebate and "an additional discount applied by the sales manager...
by feh
Mon Nov 21, 2016 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Do you track your net worth? How long have you done so?
Replies: 110
Views: 8259

Re: Do you track your net worth? How long have you done so?

miamivice wrote:Do you track your net worth? How often? Do you find it valuable?


I've tracked it for about 5 years, since we started using mint.com. I've always had a general idea of what it is, but with mint, the number stares you in the face.
by feh
Fri Nov 18, 2016 9:52 am
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 282
Views: 42468

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

We are very much stealth wealth people, possibly with the exception of our house, which is larger than we need (but we own it outright).

I cut back to 2 days of work per week this year at age 50. Lots of shocked expressions as mentioned in the article.
by feh
Mon Nov 07, 2016 8:22 am
Forum: Investing - Help with Personal Investments
Topic: CD or I Bond?
Replies: 6
Views: 1055

Re: CD or I Bond?

cheese_breath wrote:Where are you finding a 2 year 3% CD?


Northwest Federal Credit Union offered a 3 yr 3% CD last fall that I can add on to.
by feh
Sun Nov 06, 2016 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: CD or I Bond?
Replies: 6
Views: 1055

CD or I Bond?

Hi folks.

So, I've got $20K I want to put into a safe fixed income vehicle. My options are putting it in a CD for 2 years that earns 3%, or buying I Bonds. If I don't purchase the I Bonds, my opportunity to do so for 2016 will pass.

What would you do?
by feh
Tue Nov 01, 2016 11:42 am
Forum: Investing - Theory, News & General
Topic: Why is the Barclays U.S. Aggregate up 5% this year if rates haven't moved and are expected to go up?
Replies: 6
Views: 766

Re: Why is the Barclays U.S. Aggregate up 5% this year if rates haven't moved and are expected to go up?

cesarbs wrote:Rates have not gone down - in fact, have not moved at all.


Depends on what you look at. The 10 year treasury was 2.27% at the end of last year. It's currently about 1.8%.
by feh
Sat Oct 22, 2016 4:28 pm
Forum: Investing - Theory, News & General
Topic: New Ibond variable rate 2.76% on November 1st. Thoughts?
Replies: 87
Views: 13050

Re: New Ibond variable rate 2.76% on November 1st. Thoughts?

So I think if we're going to adopt a policy of buying I Bonds when the yields are attractive compared to TIPS, as they are now, then we also should have a policy for swapping into TIPS at predetermined real yields. <snip> If anybody actually comes up with the equations to do this, I'd love to see i...
by feh
Sat Oct 22, 2016 6:47 am
Forum: Investing - Theory, News & General
Topic: New Ibond variable rate 2.76% on November 1st. Thoughts?
Replies: 87
Views: 13050

Re: New Ibond variable rate 2.76% on November 1st. Thoughts?

So I think if we're going to adopt a policy of buying I Bonds when the yields are attractive compared to TIPS, as they are now, then we also should have a policy for swapping into TIPS at predetermined real yields. With such a policy, you probably would still be holding your I Bonds purchased befor...
by feh
Tue Oct 11, 2016 11:57 am
Forum: Personal Consumer Issues
Topic: Budget car advice; so so tired of the noise levels
Replies: 75
Views: 7104

Re: Budget car advice; so so tired of the noise levels

Does anyone drive a smaller, more economical vehicle, that has good sound reduction from all the road and wind noise? I know tires can help, too. I'd appreciate hearing about what affordable cars you drive that are quiet on the road, but don't drive like a boat. I told myself I would drive a manual...
by feh
Tue Oct 04, 2016 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: 0% Financing on new car (Subaru)...how much to put down upfront?
Replies: 13
Views: 1425

Re: 0% Financing on new car (Subaru)...how much to put down upfront?

jackietreehorn wrote:I purchased a Subaru a couple years back with a similar deal, 0% on a 48 month loan. I put the most down I could on my CC for points, then nothing else.


This is exactly what we did, 2 months ago, even though we could have paid with cash.
by feh
Tue Oct 04, 2016 9:47 am
Forum: Personal Finance (Not Investing)
Topic: 5% prepaid Visa cards: Insight?
Replies: 4
Views: 658

Re: 5% prepaid Visa cards: Insight?

FYI everybody - I received 5% interest on the full $5000 for the third quarter. For the time being, Insight has not reduced the amount they'll pay 5% on, like the other cards have.
by feh
Mon Oct 03, 2016 11:42 am
Forum: Investing - Theory, News & General
Topic: Which Bond Fund As Emergency Fund?
Replies: 39
Views: 4170

Re: Which Bond Fund As Emergency Fund?

Personally, I wouldn't put my E fund in a bond fund.

But, if you're going to anyway, I would suggest VFSUX.
by feh
Mon Sep 19, 2016 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take a loan for a car
Replies: 58
Views: 4683

Re: Why not take a loan for a car

investing1012 wrote:Can someone explain this logic to me:

Don't take a very low interest rate loan on a car to put money in index-funds because money in stocks might go down. Do take money out of your bank and the put money in an index funds even though money in stocks might go down.


Time frame difference.
by feh
Mon Sep 19, 2016 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take a loan for a car
Replies: 58
Views: 4683

Re: Why not take a loan for a car

Negotiate the price of the car without regard to how you're going to pay for it. If you get enough dealers involved and scour the Internet for prices paid, you can get an idea of whether or not you're getting a reasonable price. 0% (or any low rate) can be to your advantage. +1 Agree on the price o...
by feh
Tue Aug 30, 2016 12:49 pm
Forum: Personal Consumer Issues
Topic: New Tire suggestions?
Replies: 15
Views: 1375

Re: New Tire suggestions?

Shop Recommended Tires @Tire Rack, Then start shopping price . Sams works for me. +1 on this strategy. This same topic was recently discussed in-depth on the forum; see here: https://www.bogleheads.org/forum/viewtopic.php?t=192963 +2 Tire Rack's review data is awesome. They also have very good pric...
by feh
Tue Aug 30, 2016 12:47 pm
Forum: Personal Consumer Issues
Topic: My beloved Subaru just bit the dust...now what?
Replies: 27
Views: 3079

Re: My beloved Subaru just bit the dust...now what?

Anywho, I'm thinking that a light duty 4 wheel drive SUV like a Honda CRV, Toyota Rav4 or maybe a crossover (whatever that means) like a Subaru Crosstrek would be good. We are contemplating buying a country lot to build a house on in the next year and a half or so, so 4 wheel drive would be good. G...
by feh
Tue Aug 30, 2016 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Anyone have just a regular ol' Savings Account?
Replies: 28
Views: 3151

Re: Anyone have just a regular ol' Savings Account?

Instead of splitting into multiple accounts for: Emergency Fund, buying a house, buying a car, travel $$$...etc....Does anyone just have 1 account for "whatever"? We've never kept separate accounts for these kind of categories. We have one online savings account that provides funds for em...
by feh
Tue Aug 16, 2016 3:34 pm
Forum: Personal Consumer Issues
Topic: How do you protect your kids while their online?
Replies: 12
Views: 1218

Re: How do you protect your kids while their online?

Fclevz wrote:OpenDNS. Make sure to set it up through your router so it will affect all computers in the house.


+1
by feh
Tue Aug 16, 2016 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Double Income No Kids (but expect kids in future) - How much home can we afford?
Replies: 28
Views: 3050

Re: Double Income No Kids (but expect kids in future) - How much home can we afford?

We eventually plan on having kids (no clue how many) and we are uncertain how long my wife will continue to work full-time / if she will continue part-time some day. Assuming a single income to determine how large a mortgage we can afford would seem overly conservative Doesn't sound overly conserva...

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