Search found 62 matches

by jb1
Tue Jun 27, 2017 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice for a Recent College Graduate
Replies: 6
Views: 349

Re: Investment Advice for a Recent College Graduate

Why even do the 401k if fees are high and open up a regular 3 fund account here? Assuming you contribute 18k, 6% of that is 1k. Youll wind up spending more in fees no?
by jb1
Fri Jun 23, 2017 7:23 pm
Forum: Investing - Theory, News & General
Topic: Anyone have a habit of checking the market all day?
Replies: 38
Views: 2303

Re: Anyone have a habit of checking the market all day?

Thanks for the responses. Im gonna set some goals of checking just once a week.. Lol gotta break this habit.
by jb1
Fri Jun 23, 2017 5:54 pm
Forum: Investing - Theory, News & General
Topic: Anyone have a habit of checking the market all day?
Replies: 38
Views: 2303

Anyone have a habit of checking the market all day?

Maybe its because Im a young investor but I find myself checking the market everyday once it opens and periodically throughout the day. I get excited when it goes even by pennies and upset when it goes down.. I have a 3 fund and I really should be taking a set it and forget it approach.. Or at least...
by jb1
Sun Jun 18, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone into real estate investing here?
Replies: 9
Views: 599

Re: Anyone into real estate investing here?

Thank you all for the responses. I still live at home and id like to move out into a purchased house, townhome, and rent out the other rooms to start.
Appreciate the feedback!
by jb1
Sun Jun 18, 2017 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone into real estate investing here?
Replies: 9
Views: 599

Re: Anyone into real estate investing here?

biggerpockets.com is the place you want to be to discuss real estate investing. Yea im on there too. Just wanted to see if bogleheads actively invested in real estate and what their strategies were Not to be unkind, but umm, the search button? There are lots and lots of real estate threads here. Th...
by jb1
Sun Jun 18, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone into real estate investing here?
Replies: 9
Views: 599

Anyone into real estate investing here?

Hey guys, in order to hit my financial goals, besides being a boglehead, I will look into real estate investing. Within the next few months when I have a bit more saved up, I plan to purchase my first rental property.

Does anyone else do this as well? If so, what do you own?
by jb1
Sun Jun 18, 2017 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Saving for investment property...muni bonds vs. ETF's?
Replies: 22
Views: 830

Re: Saving for investment property...muni bonds vs. ETF's?

Im in the same boat. Except my time frame is only a year. Ive decided to open a Goldman Sachs bank that earns 1.2%. Beats sitting in the regular bank itself at .03 and I can pull it out whenever.
by jb1
Sun Jun 18, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Where should I invest the home downpayment money I need in 5 years time
Replies: 9
Views: 975

Re: Where should I invest the home downpayment money I need in 5 years time

I had a similar question. Wanted to keep my money accessible without sitting in the bank earning no interest. Ive gone with goldman sachs bank.
by jb1
Mon Jun 12, 2017 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Question on withdrawing 3 fund in the future
Replies: 3
Views: 367

Re: Question on withdrawing 3 fund in the future

When you say that you want to "taking my 3 fund earnings" at 40, do you mean you want to sell the funds in the account or do you mean that you want to stop reinvesting any earnings (dividends/interest/capital gains) in the account? Based on current tax laws, if you sell stocks (assuming a...
by jb1
Mon Jun 12, 2017 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Question on withdrawing 3 fund in the future
Replies: 3
Views: 367

Question on withdrawing 3 fund in the future

Hey all, Have a question on withdrawing my earnings. Currently I have a 3 fund portfolio with 30k in it, and a Roth IRA with 15k in it. Im currently 26 and would like to start taking my 3 fund earnings by the time I am 40 and leaving the Roth until 60. Now, excuse me if this is a rookie question, bu...
by jb1
Sat Jun 10, 2017 6:36 am
Forum: Investing - Help with Personal Investments
Topic: Anyone still buying I-Bonds these days?
Replies: 16
Views: 2067

Re: Anyone still buying I-Bonds these days?

DaftInvestor wrote:Why do you have cash in a savings account that only makes 0.01%? Move it to one of the higher interest paying savings account at gsbank or synchrony that make over 1% if you want to hold some cash.


Thank you! This is what I was looking for.

Thanks to those who commented on the i bonds as well.
by jb1
Sat Jun 10, 2017 12:20 am
Forum: Investing - Help with Personal Investments
Topic: Anyone still buying I-Bonds these days?
Replies: 16
Views: 2067

Re: Anyone still buying I-Bonds these days?

Can anyone explain how to buy I bonds from vanguard? Ive been looking as a substitute since Id like to keep my money elsewhere besides the bank. To make sure Im correct, most still have a 3k minimum correct? Also what is the difference between an I bond and the vanguard total bond market which I alr...
by jb1
Fri Jun 09, 2017 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Keep money I'll need in the bank? Or account?
Replies: 14
Views: 1227

Re: Keep money I'll need in the bank? Or account?

Thank you everyone for the response. Will keep it in the bank for now!
by jb1
Fri Jun 09, 2017 6:25 am
Forum: Investing - Help with Personal Investments
Topic: Keep money I'll need in the bank? Or account?
Replies: 14
Views: 1227

Re: Keep money I'll need in the bank? Or account?

For your situation, I think short, total, or intermediate bind funds are what you're looking for. You're probably looking at about 2-4% return depending on which you choose (and the interest rate environment, etc.) and the chance of losing a sizeable chunk is extremely small. Go Muni if you it make...
by jb1
Thu Jun 08, 2017 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Keep money I'll need in the bank? Or account?
Replies: 14
Views: 1227

Re: Keep money Ill need in the bank? Or account?

I would not put any money in the stock market if I might need it within 10 years. Any place youd recommend to put it where it can get at least more interest than the bank? A good CD is a fine choice if you know how long it will be until you need the money. A short term bond fund can work if you are...
by jb1
Thu Jun 08, 2017 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Keep money I'll need in the bank? Or account?
Replies: 14
Views: 1227

Re: Keep money Ill need in the bank? Or account?

sport wrote:I would not put any money in the stock market if I might need it within 10 years.


Any place youd recommend to put it where it can get at least more interest than the bank?
by jb1
Thu Jun 08, 2017 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Keep money I'll need in the bank? Or account?
Replies: 14
Views: 1227

Keep money I'll need in the bank? Or account?

Hey all, as always thank you for the advice. Everything I learn here I pass along. Im 26, and finally have my first job out of school after waiting 18 months. Ill be making 36k a year on top of 15k from my side job. A total of 50k may not seem like much, but if I lived well off 15k, that additional ...
by jb1
Sun Jun 04, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Can someone explain taxes to a newb?
Replies: 6
Views: 992

Re: Can someone explain taxes to a newb?

It takes a long time to explain taxes to a newb, so instead of that, let me give a homework assignment. Read this PDF file linked in this thread which explains taxes to newbs: https://www.bogleheads.org/forum/viewtopic.php?t=216513 One doesn't pay taxes on investments in a Roth IRA, so you don't ne...
by jb1
Sun Jun 04, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Can someone explain taxes to a newb?
Replies: 6
Views: 992

Can someone explain taxes to a newb?

Hey guys, the more im on here the more I learn and I wanted to thank you guys for that. I have a question regarding taxes etc. Currently I have 30k in a portfolio of VTSAX, VGTSX, VBMFX (70/30). I also have 1.5k in a Vanguard Roth IRA with VTTSX. Ive read that VTTSX is not the best with taxes. Can a...
by jb1
Wed May 31, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Does VGTSX have potential to go up? Double? Triple?
Replies: 5
Views: 948

Does VGTSX have potential to go up? Double? Triple?

Hey guys, checking out the Int. Stock Market index and i notice that VGTSX has been around since 2002, however has really only been between $8-$16. I know we cannot predict the market, but do you ever see it going up like VTSMX? My 3 fund is looking great. I have about 30k in 75/25 stocks to bonds a...
by jb1
Thu May 11, 2017 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Just opened a traditional IRA
Replies: 6
Views: 413

Re: Just opened a traditional IRA

Why not create a Roth IRA at Vanguard and contribute to that account. After the X years, combine both at Vanguard. Your decision to leave the Roth at MetLife should not (by itself) move you to contribute to a Traditional IRA. Do you have a 401k type plan at work that you can contribute pre-tax to g...
by jb1
Thu May 11, 2017 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Just opened a traditional IRA
Replies: 6
Views: 413

Re: Just opened a traditional IRA

Why not create a Roth IRA at Vanguard and contribute to that account. After the X years, combine both at Vanguard. Your decision to leave the Roth at MetLife should not (by itself) move you to contribute to a Traditional IRA. Do you have a 401k type plan at work that you can contribute pre-tax to g...
by jb1
Thu May 11, 2017 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Just opened a traditional IRA
Replies: 6
Views: 413

Just opened a traditional IRA

Hello all. I am 26 years old. As I get used to the Vanguard way, I am slowly switching everything over. Currently I have ~29k in 70% stocks 30% bonds in the lazy 3. I have 15k in a Roth with Metlife.. Now I would love to transfer it to vanguard, however I will have to pay $800 surrender fee. Here is...
by jb1
Mon May 01, 2017 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: Anything wrong with Etrade for all my investments?
Replies: 9
Views: 1177

Re: Anything wrong with Etrade for all my investments?

I ditched Etrade and put everything in Vanguard. Will probably rollover my Metlife IRA to vanguard as well.
by jb1
Mon May 01, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: What is the purpose of bonds?
Replies: 20
Views: 1072

Re: What is the purpose of bonds?

Thank you everyone for the responses. Finally is there a certain amount of time I must keep the bonds in place for? Not that Ill need the money, but for future references. And lastly, Im going to keep a 70/30 stock to bond ratio for now and gradually adjust it as I get older. Thank you again for the...
by jb1
Mon May 01, 2017 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: What is the purpose of bonds?
Replies: 20
Views: 1072

Re: What is the purpose of bonds?

For example, if you go to Vanguards "asset mix" it will say that a portfolio of 100% bonds has averaged a 5.4% return. How? That's the average yearly return for the period between 1926 and 2015. Interest rates fluctuated a lot during that period. Sorry if Im coming off like a doofus! Im j...
by jb1
Mon May 01, 2017 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: What is the purpose of bonds?
Replies: 20
Views: 1072

Re: What is the purpose of bonds?

For example, if you go to Vanguards "asset mix" it will say that a portfolio of 100% bonds has averaged a 5.4% return. How?
by jb1
Mon May 01, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: What is the purpose of bonds?
Replies: 20
Views: 1072

Re: What is the purpose of bonds?

They dont really fluctuate much That is the whole purpose actually. To reduce the risk thus reduce overall fund fluctuation, and make your "roller coaster ride" is more tolerable. But how do you make money off them then? I have 8k in VBMFX, about 800 shares. VBMFX pays about .02 per share...
by jb1
Mon May 01, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: What is the purpose of bonds?
Replies: 20
Views: 1072

What is the purpose of bonds?

Hey all, getting into finalizing my "lazy 3" have 70% in VGTSX, VTSAX, and 30% in VBMFX.

In regards to bonds, what is the purpose? They dont really fluctuate much even if you look at VBMFX since 2007. Is the purpose just to receive the dividends and reinvest?
by jb1
Fri Apr 28, 2017 5:48 am
Forum: Investing - Help with Personal Investments
Topic: Slowly building my portfolio!
Replies: 4
Views: 658

Re: Slowly building my portfolio!

It's with MetLife. So your basic Russell 2000, international markets, midcap, MetLife total stock market. Hmm.... With those nice, low cost, Vanguard funds...how much are you paying for the MetLife funds? I'm honestly unsure. My dads friend set it up for me when I was younger. Deep down I'd love to...
by jb1
Thu Apr 27, 2017 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Slowly building my portfolio!
Replies: 4
Views: 658

Re: Slowly building my portfolio!

Checking it every day isn't terrible - it just takes time away from something else you could be doing instead. Reacting to daily changes (i.e., adjusting your asset allocation), however, would be bad. ;) Keep up the good work on regular investments! What does "set to Aggressive" mean (e.g...
by jb1
Thu Apr 27, 2017 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Slowly building my portfolio!
Replies: 4
Views: 658

Slowly building my portfolio!

Hey all By far the best site ive been apart of. Im learning so much from everyone. Im currently 26. I have 11k in VTSMX (will be swtiched to VTSAX since I just hit 10k today). I also put in 3k to VBMFX. My goal next week is to put 3k into VGTSX. Starting in June, Id like to invest $400 in VTSMX, $20...
by jb1
Wed Apr 26, 2017 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Whats the rule of thumb with allocating?
Replies: 9
Views: 571

Re: Whats the rule of thumb with allocating?

Also I have 12k in XSLV and 5k in SPLV. Would you recommend selling them and putting it in VTSMX? That's a whole other conversation. Why did you invest in low-volatility funds in the first place? If you are looking to retreat from that approach and adopt a simpler "Three Fund" approach (a...
by jb1
Wed Apr 26, 2017 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Whats the rule of thumb with allocating?
Replies: 9
Views: 571

Re: Whats the rule of thumb with allocating?

Thanks for the answers I'm not sure why your US/Intl ratio would vary by age (for practical reasons, like fund minimums, you could be off target, but I would think your target would remain the same). There are many age-related bond rules you can use. None are necessarily superior. Yours looks reason...
by jb1
Wed Apr 26, 2017 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Whats the rule of thumb with allocating?
Replies: 9
Views: 571

Whats the rule of thumb with allocating?

Im 26 now. Have 6k in VTSMX. Ill be adding $500 per month to it. At what point should I start shifting towards VGTSX and VBMFX? Age 30: 80% VTSMX, 10% VGTSX, 10% VBMFX Age 40: 60% VTSMX, 20% VGTSX, 20% VBMFX Age 50: 40% VTSMX, 20% VGTSX, 40% VBMFX Does this sound right? Also would you recommend a Ta...
by jb1
Wed Apr 05, 2017 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Leave money in VTSMX or move to VMMXX for when things go bad?
Replies: 10
Views: 852

Re: Leave money in VTSMX or move to VMMXX for when things go bad?

Thank you for the responses will continue to max our IRA and put $6k in VTSMX
by jb1
Wed Apr 05, 2017 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Leave money in VTSMX or move to VMMXX for when things go bad?
Replies: 10
Views: 852

Re: Leave money in VTSMX or move to VMMXX for when things go bad?

Hey guys, New investor here currently with $6k in VTSMX. I will be at $11k by the end of the year since ill put $500/month in it. If and when thing go bad, do you recommend moving the money to a money market account? Leaving it in VTSMX? What do you mean move the money when things go bad? Do you me...
by jb1
Wed Apr 05, 2017 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Leave money in VTSMX or move to VMMXX for when things go bad?
Replies: 10
Views: 852

Leave money in VTSMX or move to VMMXX for when things go bad?

Hey guys,

New investor here currently with $6k in VTSMX. I will be at $11k by the end of the year since ill put $500/month in it.

If and when thing go bad, do you recommend moving the money to a money market account? Leaving it in VTSMX?
by jb1
Mon Apr 03, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Invest in increments or at once?
Replies: 4
Views: 408

Invest in increments or at once?

Hey guys

Was wondering if you think it would be better to invest 6k into VTSMX at once, or do $500 monthly. Pros? Cons?

Thanks!
by jb1
Thu Mar 23, 2017 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Advice investing in index funds
Replies: 9
Views: 954

Re: Advice investing in index funds

Welcome to the Boglehead forum and investing. To give you advice we need a little more information. How much do you plan to invest overall? Is this a one time investment or do you plan to contribute regularly? How much do you plan to invest over time say every month or year? Do you have access thro...
by jb1
Thu Mar 23, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Advice investing in index funds
Replies: 9
Views: 954

Re: Advice investing in index funds

Welcome to the Boglehead forum and investing. To give you advice we need a little more information. How much do you plan to invest overall? Is this a one time investment or do you plan to contribute regularly? How much do you plan to invest over time say every month or year? Do you have access thro...
by jb1
Thu Mar 23, 2017 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Advice investing in index funds
Replies: 9
Views: 954

Advice investing in index funds

Hello all. I have budgeted $700 to invest with. Already put $200/month in Roth IRA. With the $700 it is advised to keep putting it in vtsmx? In terms of risk, I would say I have trouble knowing how to properly rebalance my portfolio. I'm 26, my Ira is set to aggressive. Would it be recommended to pu...
by jb1
Wed Mar 22, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on ADR OTC stock??
Replies: 13
Views: 799

Re: Thoughts on ADR OTC stock??

Quality responses all around! Greatly appreciated.
by jb1
Wed Mar 22, 2017 6:18 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on ADR OTC stock??
Replies: 13
Views: 799

Re: Thoughts on ADR OTC stock??

Japan is hosting the Olympics in 2020 I suspect you are not the only person who knows that. Yeah, but who has the best timing? Buy now and the funds are tied up for 3 years. It's not going up so fast IMO. I'd wait till right before the 2018 Winter Olympics when discussion about 2020 will pique inte...
by jb1
Tue Mar 21, 2017 11:52 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on ADR OTC stock??
Replies: 13
Views: 799

Re: Thoughts on ADR OTC stock??

patrick wrote:
Japan is hosting the Olympics in 2020


I suspect you are not the only person who knows that.


Haha that's gotta have some impact no?
by jb1
Tue Mar 21, 2017 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on ADR OTC stock??
Replies: 13
Views: 799

Thoughts on ADR OTC stock??

Hey all, Ive noticed a trend in airline stocks. Each airline ive noticed has simple gone up! Theres one Ive been watching. ANA Holding is the name with the ticker of ALNPY. It is a Japanese airline. Since ive been watching it, it has gone up 50 cents (currently 6.34 now). Japan is hosting the Olympi...
by jb1
Mon Mar 20, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Will new index funds ever come out?
Replies: 12
Views: 1429

Re: Will new index funds ever come out?

Great point. I know people here love the 3 fund system, but would you recommend VFINX? What is your goal? If your goal is to "own the market" with no sector tilts, Total Stock (VTSMX) is probably the purest single fund available for holding the entire US market. Buying an SP500 fund will ...
by jb1
Mon Mar 20, 2017 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Will new index funds ever come out?
Replies: 12
Views: 1429

Re: Will new index funds ever come out?

The price of a mutual fund is meaningless. It is a unit-less measurement. Would you rather buy milk for $2.69 or $0.80? Oh, let me add that the units are gallon and quart respectively. Do you understand the illustration? The price of a mutual fund is meaningless. There is absolutely no difference b...
by jb1
Mon Mar 20, 2017 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Will new index funds ever come out?
Replies: 12
Views: 1429

Will new index funds ever come out?

Hello all,

Currently in VTSMX. Looking to gt into VFINX/AX. However at that price point of $220, is it even worth it? Will a new SP index fund ever come out in the future
by jb1
Sun Feb 19, 2017 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on current situation?
Replies: 4
Views: 436

Re: Advice on current situation?

Might not be the kind of advice you are looking for but realistically I think the best thing you could do is pursue a job or career where you are making more income. The specifics of what you invest in are secondary to that. I moved to NC with my parents. NJ was too expensive. 20k a year is peanuts...

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