Search found 854 matches

by indexonlyplease
Thu Feb 22, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 85
Views: 7223

Re: What's your cash position

These days I really like cash. 2 cds at Ally Bank 5 yr and 1 yr no penalty. About to open 3rd. This money is not included in my AA Some say it should be included but I like it this way. Just try to keep up with inflation on the cds. With a pension I am really sucre in income for living expenses. So ...
by indexonlyplease
Thu Feb 22, 2018 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Recent retiree - where to invest today
Replies: 23
Views: 1817

Re: Recent retiree - where to invest today

We can see you failed the part on market risk and not to panick when the market drops. What would you do with a real market correction. That being said maybe you would be best to work with a Vanguard Advisor. Looks like you need a portfolio you can live with even in down markets. The next correction...
by indexonlyplease
Thu Feb 22, 2018 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Young Investor: Investing In A Bear Market
Replies: 29
Views: 2250

Re: Young Investor: Investing In A Bear Market

This is why I am more and more convinced that young investere shoul be in one fund like the Target Dated Fund. Then you just max it out and forget about trying to figure out the market. I believe many of us would of done far better if we had this choice many years ago. Then the young investor can fo...
by indexonlyplease
Wed Feb 21, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5600
Views: 1266115

Re: U.S. stocks in freefall

Question

If the market has a correction say 10% and you rebalance back to your AA. Is that like using dry powder because you just bought stocks funds at a lower price??

And if you did not rebalance your AA would get back to normal one day.
by indexonlyplease
Wed Feb 21, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Pay cash or get mortgage for 2nd home?
Replies: 11
Views: 816

Re: Pay cash or get mortgage for 2nd home?

What will paying cash do to you investments you live on?? If no change than cash best.
paying interest is always a losing idea for most of us.

Also if you have payments what will that do to your monthly income??
by indexonlyplease
Wed Feb 21, 2018 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: 401K New Fee Structure
Replies: 3
Views: 249

Re: 401K New Fee Structure

whodidntante wrote:
Wed Feb 21, 2018 1:31 pm
I think you should use the 401k and max it prior to taxable investments. Your fees are not an overriding concern. In fact they are better than what a lot of us have.


+1
by indexonlyplease
Wed Feb 21, 2018 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Large withdrawal in retirement
Replies: 11
Views: 665

Re: Large withdrawal in retirement

They say the first years of retirement are when you need the best returns. Also many downsize and use the money from there paid off home. Not sure what you are doing is a safe idea. If you are worried it is probably for a good idea. If you will replace the funds either the sale of the house then it ...
by indexonlyplease
Wed Feb 21, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: Trade my BMW?
Replies: 45
Views: 2370

Re: Trade my BMW?

Keep the BMW. A friend of mine drives the 2009 328i. It breaks sometimes but she enjoys the car. In the long run you will better off keeping. When it falls apart in 10 year get a cheaper car She made a connection with a B M W mechanic. He fixes the car after hrs at the shop. Saves lots of money that...
by indexonlyplease
Wed Feb 21, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Tiny Windfall But Big Help
Replies: 11
Views: 1298

Re: Tiny Windfall But Big Help

Sandtrap wrote:
Wed Feb 21, 2018 10:31 am
Car Loan.
Avoid future debt.
j :D
+1
by indexonlyplease
Wed Feb 21, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Creating My Index Portfolio
Replies: 21
Views: 1478

Re: Creating My Index Portfolio

Don't overlook Vanguard Lifestrategy Moderate Growth fund. It's 60-40 and remains in balance. You can make your contributions each month and it will take care of everything else while you concentrate on your business. I definitely like this idea! This and the Three-Portfolio are my style so I can f...
by indexonlyplease
Wed Feb 21, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Creating My Index Portfolio
Replies: 21
Views: 1478

Re: Creating My Index Portfolio

JoeRetire wrote:
Mon Feb 19, 2018 5:54 pm
You have $130k that has been sitting in cash for 10 years. Why?
That is not the question he asked.
by indexonlyplease
Wed Feb 21, 2018 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 12
Views: 814

Re: Asset Allocation

I say go with the Target Dated Fund. At your age invest all you can not worry about the market and spend time increasing you salary.

You will read to many of us have lost more by moving Money from fund to fund.

The Target Fund stops a lot of the investment mistakes.
by indexonlyplease
Tue Feb 20, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 85
Views: 7223

Re: What's your cash position

I like having what they call dry powder. Separate from my AA. This money is standing by for anything but the market. I just keep it in cds that keep up with inflation for now.
by indexonlyplease
Tue Feb 20, 2018 2:48 pm
Forum: Investing - Theory, News & General
Topic: Which book for an 18 year old who is asking about investing?
Replies: 45
Views: 2853

Re: Which book for an 18 year old who is asking about investing?

livesoft wrote:
Fri Feb 16, 2018 7:21 pm
If You Can by William Bernstein is an e-book. Google it. Then if that is digested, his other books from the library would be worthwhile.
+1good easyread. All she needs now.
by indexonlyplease
Tue Feb 20, 2018 11:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard LifeStrategy Funds vs. Target Date Funds
Replies: 66
Views: 5970

Re: Vanguard LifeStrategy Funds vs. Target Date Funds

I think the Target Dated Fund are great at Vanguard. We all think we know more than the pros at Vanguard. They set up a fund that is good for most investors. If they adjust it’s maybe because the Pros know something. So I think going with the TDF and never changing would be a wise long term choice. ...
by indexonlyplease
Tue Feb 20, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Where to put 6 months of living expenses(emergency fund) ?
Replies: 22
Views: 2669

Re: Where to put 6 months of living expenses(emergency fund) ?

Vanguard Prime Money Market Fund ( currently have about 6 months of living expenses(our emergency fund, in case we lost our jobs, etc.) in the Vanguard Prime Money Market fund. Is this a good choice, or is there a better choice ? Maybe some sort of account that earns more interest for us? We also u...
by indexonlyplease
Tue Feb 20, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Where to put 6 months of living expenses(emergency fund) ?
Replies: 22
Views: 2669

Re: Where to put 6 months of living expenses(emergency fund) ?

We currently have about 6 months of living expenses(our emergency fund, in case we lost our jobs, etc.) in the Vanguard Prime Money Market fund. Is this a good choice, or is there a better choice ? Maybe some sort of account that earns more interest for us? We also use this account occasionally to ...
by indexonlyplease
Tue Feb 20, 2018 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Where to put 6 months of living expenses(emergency fund) ?
Replies: 22
Views: 2669

Re: Where to put 6 months of living expenses(emergency fund) ?

I think some posters need to read the post before posting some long winded responses that does not relate to the post.

The op ask for simple place to put their emergency fund with no risk and easy access
by indexonlyplease
Mon Feb 19, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 102
Views: 9627

Re: Bogleheads with $100K+ MSRP cars?

Does 2 vehicles count.

2016 Chevy Truck 55k
2016 Chevy Camaro ZL1 65k
by indexonlyplease
Mon Feb 19, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: How to turn off Vanguard texting security feature
Replies: 21
Views: 5986

Re: How to turn off Vanguard texting security feature

Yes the answer is call them. They are always helpful.
by indexonlyplease
Sun Feb 18, 2018 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets or Total International Market?
Replies: 15
Views: 1018

Re: Emerging Markets or Total International Market?

You don't know what the future taxes will be in 30 yrs. So, Roth IRA is a great choice. Many believe they will be in the lower tax bracket. But maybe not. Then you are concerned about what fund may be better now. At your young age I believe a Target Dated Fund is best. Let the Pros at Vanguard, Fide...
by indexonlyplease
Sun Feb 18, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 10783

Re: I'm Cancelling My Home Insurance

Insurance is to cover lost. Some financial advisors will state it is a cheap was to insure a large loss. One example, a family member here in south Florida cancelled the home insurance around 3 yrs ago when they paid off the house. Then when hurricane Erma was on the way she was freaked out and worr...
by indexonlyplease
Thu Feb 15, 2018 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Just added Total Int'l Stock; add Total Int'l Bond too?
Replies: 25
Views: 1878

Re: Just added Total Int'l Stock; add Total Int'l Bond too?

Just purchase the Target dated fund that is good for you. Then you have everything you are looking for and really easy to manage. I keep reading that staying with your portfolio is more important than anything else. This is why so many of us had made so many mistakes over the years. We are always tr...
by indexonlyplease
Wed Feb 14, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing thru contributions?
Replies: 12
Views: 659

Re: Rebalancing thru contributions?

I have been rebalancing once a yr in January. Seems to work and is easy. Don't have to worry all year about where the money goes bi weekly.
by indexonlyplease
Wed Feb 14, 2018 9:10 am
Forum: Investing - Theory, News & General
Topic: Day trading for a living/career?
Replies: 95
Views: 6642

Re: Day trading for a living/career?

I think I am a day trader. Retired and have Vanguard fund managers trading for me daily. But then I just collect my pension and look at my investments when I am bored. Which is not often.

Keep your job and have some play money to trade. If you lose that you will be glad you still have the job.
by indexonlyplease
Wed Feb 14, 2018 6:48 am
Forum: Investing - Help with Personal Investments
Topic: Emergency fund question - 3 vs 6 months and should I lower my 401k contribution to get there...
Replies: 74
Views: 3087

Re: Emergency fund question - 3 vs 6 months and should I lower my 401k contribution to get there...

It depends on your career. Stable government job 3 months ok. Not sure 6 months better. Investing is ok until you have some emergency and have no emergency fund. You will have to stop investing and pay off the credit card you used for the emergency. So yes, get the emergency fund at 3-6 months. Then...
by indexonlyplease
Tue Feb 13, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: Costco 'Goodyear' wiper blades
Replies: 33
Views: 3147

Re: Costco 'Goodyear' wiper blades

I always just buy the dealer wipers for my cars when I get the oil changed. I change blades once a yr. South Florida gets lots of rain. I purchased the Costco wiper blades by Goodyear around 2 yrs ago. The both fell apart after 6 months and scratched the windshield of my wife's car. So, I went back ...
by indexonlyplease
Tue Feb 13, 2018 7:09 am
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 11154

Re: Did you learn anything from the market correction?

Nothing. My AA set with what I feel comfortable with is all I needed to not evern think about it. But it did make for some good news that the market was coming to the end.

I
by indexonlyplease
Tue Feb 13, 2018 7:05 am
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 45
Views: 4730

Re: Rolex

For those who have a Rolex; I am looking into purchasing my first Rolex and am wondering if you guys can recommend a place to check out online that might be better price wise than a brick and mortar dealer. Thanks in advance. Go to your local jeweler. They may have watches there on consignment. I w...
by indexonlyplease
Tue Feb 13, 2018 7:04 am
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 45
Views: 4730

Re: Rolex

Go to your local jeweler. They may have watches there on consignment. I was at the jewler getting my watch fixed and they had a Rolex at a great price. They also had a catalog of reconditioned Rolex's.

I think this would be the best way. Online Rolex's may have fake internal parts. Be careful.
by indexonlyplease
Sun Feb 04, 2018 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 13688

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

I am in the same situation as you. I retired last year at 52 now 53. My high risk pension covers all family expenses plus more. Wife still working. I was 100% stocks up to 3 years ago when I found this site and the 3 fund portfolio. When I retired I decided I had enough and read about if you have wo...
by indexonlyplease
Mon Jan 22, 2018 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being greedy?
Replies: 51
Views: 6082

Re: Am I being greedy?

If you can stomach a 50-80% drop in value, you're not too greedy. Remember that you're the worst enemy when it comes to wealth management. 80% that's nothing, I can stomach a 99.99% drop! And the last time you did was when and what proportion of your assets declined by 99.9% in value? anyone can st...
by indexonlyplease
Mon Jan 22, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being greedy?
Replies: 51
Views: 6082

Re: Am I being greedy?

I think we all wish we knew that answer. I was 100% stocks up until 3 years ago. Then I found this site and changed my AA and now have fixed income. I was only 100% stock because I did not know any better and did not know anything about fixed income except for what a cd was. And I wanted no part of ...
by indexonlyplease
Mon Jan 22, 2018 6:46 am
Forum: Investing - Help with Personal Investments
Topic: 50/50 AA recommended by Benjamin Graham
Replies: 43
Views: 4479

Re: 50/50 AA recommended by Benjamin Graham

Sorry, I read your post wrong. When I started investing, I was 30 and was 50/50 for many years but bonds were paying a lot more. My daughter just got her first real job after getting her Masters degree and is making good money, I will give her Warren's advice because she is only 23 and tell her to ...
by indexonlyplease
Mon Jan 22, 2018 6:45 am
Forum: Investing - Help with Personal Investments
Topic: 50/50 AA recommended by Benjamin Graham
Replies: 43
Views: 4479

Re: 50/50 AA recommended by Benjamin Graham

Sorry, I read your post wrong. When I started investing, I was 30 and was 50/50 for many years but bonds were paying a lot more. My daughter just got her first real job after getting her Masters degree and is making good money, I will give her Warren's advice because she is only 23 and tell her to ...
by indexonlyplease
Sun Jan 21, 2018 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: A 4-5% rebalance to bonds barely budges risk/return
Replies: 43
Views: 3540

Re: A 4-5% rebalance to bonds barely budges risk/return

I keep thinking if you have enough why take the risk. If you are still working on the FI you will need to take more risk to get there. I have beat myself up on the AA. But once I relized I have enough I lowed the AA to reduce the risk. I will not make as much but who cares, I will not lose as much. ...
by indexonlyplease
Thu Jan 18, 2018 7:15 am
Forum: Investing - Help with Personal Investments
Topic: Selling Shares of UTMA Account
Replies: 29
Views: 1237

Re: Selling Shares of UTMA Account

He can tax-gain harvest AND put the money in his Roth. He can put money from his job into his Roth instead of money from the UTMA. There are lots of things he can do. Neither you nor he have described his financial situation in enough detail to really know what is the best course of action. Yes, we...
by indexonlyplease
Wed Jan 17, 2018 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Market
Replies: 30
Views: 2418

Re: Bond Market

I try to avoid bond funds as much as I can - go with CDs and stable value funds where available instead. What do you mean by stable value funds, could you please elaborate? Thank you. stable value funds are what some have in their 401k or 457 pre-taxed accounts. I have one in my 457 account that pa...
by indexonlyplease
Mon Jan 15, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: 50/50 AA recommended by Benjamin Graham
Replies: 43
Views: 4479

Re: 50/50 AA recommended by Benjamin Graham

There is also the thought of having enough and not taking the risk.

Someone at 50 yrs may have enough so why would they take the risk with higher AA in stocks. Also, someone with pension/pension and SS would have enough so why would they take the risk enventhough they can.
by indexonlyplease
Mon Jan 15, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: CDs & Savings as a substitute for bonds or bond funds
Replies: 20
Views: 2580

Re: CDs & Savings as a substitute for bonds or bond funds

I keep seeing the words high tax bracket.

Can someone tell me at what % is high tax bracket starts 25,28, 30% ????
by indexonlyplease
Mon Jan 15, 2018 9:03 am
Forum: Investing - Help with Personal Investments
Topic: RMD and Roth IRA conversions
Replies: 13
Views: 1797

Re: RMD and Roth IRA conversions

An excellent book on the subject is, "Retire Secure!: A Guide To Getting The Most Out Of What You've Got by James Lange". I will check it out. thanks For me the better book on Roth IRAs is "Go Roth!" by Kaye Thomas, who maintains the highly regarded tax website www.Fairmark.com. The book is well wr...
by indexonlyplease
Sun Jan 14, 2018 9:24 am
Forum: Investing - Help with Personal Investments
Topic: RMD and Roth IRA conversions
Replies: 13
Views: 1797

Re: RMD and Roth IRA conversions

I am 58 and plan on to retire in about 1 year. After I retire, the assets the I convert from 401k and TIRA to Roth should be "long term" and will avoid RMD's after 70.5. For me the biggest advantage to Roth accounts is in legacy estate planning. I believe my DD (a professional) will be in a higher ...
by indexonlyplease
Sat Jan 13, 2018 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Anxiety - Nearing Retirement, appreciate input
Replies: 7
Views: 1150

Re: Rebalancing Anxiety - Nearing Retirement, appreciate input

Big question Will your pension cover your monthly expenses? I retired last yr from the government. My high risk pension covers all monthly expenses. This allowed me to be more conservative with my AA. Meaning no need from large gains/risk and no income taking from investments monthly. I just let the...
by indexonlyplease
Fri Jan 12, 2018 7:42 am
Forum: Investing - Help with Personal Investments
Topic: RMD and Roth IRA conversions
Replies: 13
Views: 1797

Re: RMD and Roth IRA conversions

I am 58 and plan on to retire in about 1 year. After I retire, the assets the I convert from 401k and TIRA to Roth should be "long term" and will avoid RMD's after 70.5. For me the biggest advantage to Roth accounts is in legacy estate planning. I believe my DD (a professional) will be in a higher ...
by indexonlyplease
Thu Jan 11, 2018 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 4629

Re: Help me stop my addiction to stock market peeping!

I look all the time if I am on the computer. It does not matter because I don't do anything about it. Just rebalance in January. Done last week. I have my money in 3 different places so I will look at one or the other but not all in the same day. I think this is only a problem if you are scarred tha...
by indexonlyplease
Mon Jan 08, 2018 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Is it time for me to get my 401K out of the stock market?
Replies: 24
Views: 3995

Re: Is it time for me to get my 401K out of the stock market?

I think you should leave well enough alone. There's nothing wrong with 40/60 like yours. Aiming for $125k annually you are in very good shape. (73k pension, ~20k SS, and a nice pot of 1.8mil in reserve). Your stock portion will help counter inflation. Retire, and start to spend your money. That's w...
by indexonlyplease
Mon Jan 08, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Is it time for me to get my 401K out of the stock market?
Replies: 24
Views: 3995

Re: Is it time for me to get my 401K out of the stock market?

Leave it the way it is. Live off penson and savings and take investments when you need to purchase stufff above your monthly income. This way it just sits and grows until you need it. This is what I am doing and after one year of retirement have not touch investments. I would just think make sure my...
by indexonlyplease
Sun Jan 07, 2018 8:34 am
Forum: Investing - Theory, News & General
Topic: Is Schwab's total U.S. index fund better than Vanguard or Fidelity's?
Replies: 6
Views: 1160

Re: Is Schwab's total U.S. index fund better than Vanguard or Fidelity's?

I also thinks what is available to you in your accounts. I use Schwab US stock and International stock index fund in my 457 account to complete my 3 fund portfolio. Then I use Vangaurd US stock index for our Roth IRA and Taxed account all within the 3 fund portfolio. Both are great funds in the 2 co...
by indexonlyplease
Thu Jan 04, 2018 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance Help
Replies: 2
Views: 245

Re: Rebalance Help

retiredjg wrote:
Thu Jan 04, 2018 8:58 am
Just sell US and buy foreign and check again next year.
Thanks what I thought and simple.

Thanks