Search found 363 matches

by lostdog
Fri Apr 21, 2017 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Grow my taxable index fund, or contribute to a non-matching 403b?
Replies: 33
Views: 1992

Re: Grow my taxable index fund, or contribute to a non-matching 403b?

I suggest contributing as much as you can to your 403b. It offers some very diversified index funds with very low expense ratios, such as: Fidelity Total Market Index Fund Premium Class (FSTVX), ER 0.045%; Fidelity Total International Index Fund Premium Class (FTIPX), ER 0.11%; and Fidelity U.S. Bo...
by lostdog
Fri Apr 21, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Allocation
Replies: 8
Views: 1115

Re: Retirement Allocation

and they advised us to allocate our funds 10%cash; 35% US Govt/Corp Bonds; 35%US Large Cap Stocks; 10%US Small Cap Stocks and Real Estate; and 10% Int'l Stocks. (about $800,000.00). Assuming this is a tax-sheltered account, using the above percentages you could have: Rollover IRA at Vanguard -- 100...
by lostdog
Fri Apr 21, 2017 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Reached 50% of my "number" today
Replies: 16
Views: 3216

Re: Reached 50% of my "number" today

:sharebeer

Congratulations!
by lostdog
Fri Apr 21, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: Car Choices
Replies: 45
Views: 3099

Re: Car Choices

Camry and Corolla. The best for quality and reliability hands down.
by lostdog
Fri Apr 21, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 97
Views: 8303

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

If you want out of the corporate culture asap live well below your means and save/invest as much income as possible. It worked for me.

If you want out but don't see any light at the end of the tunnel, change your lifestyle.
by lostdog
Fri Apr 21, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Schwab Target Index Funds Investor Shares drop (.08%)
Replies: 20
Views: 1360

Re: Schwab Target Index Funds Investor Shares drop (.08%)

Is schwab owned by it's investors? How do they make up for these low costs?
by lostdog
Fri Apr 21, 2017 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 97
Views: 8303

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

I am so glad I am done with corporate culture. Never going back unless I absolutely have to.
by lostdog
Thu Apr 20, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 97
Views: 8303

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

I worked in IT for 20 years. Almost the exact same situation as you. I had a bad boss for 5 years and I kept my mouth shut. She eventually was replaced. There will always be people you don't like in a corporate environment. You just have to pucker up and kiss their butt. I got sick and now recovered...
by lostdog
Mon Apr 17, 2017 9:36 am
Forum: Investing - Theory, News & General
Topic: Article-Argument against Buffet and Bogle's International Advice
Replies: 36
Views: 3967

Article-Argument against Buffet and Bogle's International Advice

Here is an article that is against Bogle and Buffet's international advice. The one piece of investing advice from Bogle and Buffett you may want to reject http://www.cnbc.com/2017/04/17/a-stubborn-investing-rule-shared-by-jack-bogle-and-warren-buffett.html "To my mind, saying 'I get exposure o...
by lostdog
Sat Apr 15, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Yet another Vanguard study on DCA vs Lump Sum
Replies: 55
Views: 2993

Re: Yet another Vanguard study on DCA vs Lump Sum

So basically the extra cash we have for the month I'll have it sit until I use it to max out our Roth accounts on Jan 1st? My current plan is the extra money we have for the month will go towards the Roth accounts until maxed. When Roth's are both maxed we then put the extra money into the total mar...
by lostdog
Sat Apr 15, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Yet another Vanguard study on DCA vs Lump Sum
Replies: 55
Views: 2993

Re: Yet another Vanguard study on DCA vs Lump Sum

I wish we could lump sum. I'll take DCA which is the second best. I think most people can only DCA anyway. Yes, you are right. Most people are able to invest a regular amount of money at a regular interval. That is a very good plan. But, you can lump sum. Save up all your potential investments for ...
by lostdog
Sat Apr 15, 2017 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Where to park Emergency Fund?
Replies: 32
Views: 2776

Re: Where to park Emergency Fund?

Vanguard Prime Money Market Fund
by lostdog
Sat Apr 15, 2017 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Yet another Vanguard study on DCA vs Lump Sum
Replies: 55
Views: 2993

Re: Yet another Vanguard study on DCA vs Lump Sum

I wish we could lump sum. I'll take DCA which is the second best. I think most people can only DCA anyway.
by lostdog
Sun Apr 09, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 297
Views: 26547

Re: Quicken's future direction - a cause for concern

I have Quicken 2015 just to track my checking account. I track all my investments on Vanguard's site and manually add my 401k investments on the outside investments section of the Vanguard site. Once I lose the downloading capabilities in Quicken I'll just switch to manual until the program breaks o...
by lostdog
Sun Apr 09, 2017 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard funds for emergency cash
Replies: 14
Views: 1808

Re: Vanguard funds for emergency cash

Vanguard Prime Money Market.
by lostdog
Sat Apr 08, 2017 9:26 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2591
Views: 675151

Re: What Movie Have You Recently Watched?

"13 reasons why" on Netflix.
by lostdog
Sat Apr 08, 2017 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Balancing saving, investing, and living?
Replies: 23
Views: 2444

Re: Balancing saving, investing, and living?

As for retirement, I worry about only having a net worth of $500k at 43 years old. Yes, I'm currently contributing $18k to the 401k and $6k to the taxable account, but it feels like it won't be nearly enough. If it is any consolation you are doing better than 90% of people. In twenty years you are ...
by lostdog
Sat Apr 08, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else own balanced index fund? [vbinx]
Replies: 26
Views: 3142

Re: Anyone else own balanced index fund? [vbinx]

The other cool thing about this fund is that it does not distribute capital gains. If you're in the 15% or 25% tax bracket and want to mirror your allocation across your Vanguard accounts including taxable it makes things super simple. If you have no interest in tax lost harvesting, will hold for li...
by lostdog
Sun Apr 02, 2017 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Is anyone decreasing % of bonds this year?
Replies: 91
Views: 6884

Re: Is anyone decreasing % of bonds this year?

Not touching anything. Staying the course. Vanguard Life Strategy Growth at the moment. She is 39 and I am 41. When we've won the game we'll move to Life Strategy Moderate Growth or Conservative Growth.
by lostdog
Thu Mar 30, 2017 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund In Retirement?
Replies: 20
Views: 2699

Re: Vanguard Balanced Index Fund In Retirement?

I come out and admit that alot of times I get hit with analysis paralysis when I come here. Especially the domestic and international argument and asset allocation. How do I know which is better and I actually thought I did but I was constantly talking myself into it. We decided to go with Life Stra...
by lostdog
Thu Mar 30, 2017 4:58 pm
Forum: Investing - Theory, News & General
Topic: Do you use lifestrategy/ asset allocation funds?
Replies: 61
Views: 8904

Re: Do you use lifestrategy/ asset allocation funds?

I come out and admit that alot of times I get hit with analysis paralysis when I come here. Especially the domestic and international argument. How do I know which is better and I actually thought I did but I was constantly talking myself into it. We decided to go with Life Strategy Growth and be do...
by lostdog
Wed Mar 29, 2017 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Help for a beginner opening a ROTH at Vanguard
Replies: 16
Views: 987

Re: Help for a beginner opening a ROTH at Vanguard

Check out the Vanguard Life Strategy funds also. An example would be to hold the Life Strategy Growth fund during your accumulation phase. When you're close to retirement you could change to any of the three other life cycle funds.
by lostdog
Wed Mar 29, 2017 8:03 am
Forum: Investing - Theory, News & General
Topic: Stay the course, always?
Replies: 55
Views: 4332

Re: Stay the course, always?

You could go Vangaurd Life Strategy Moderate Growth,,or Vanguard Balanced Index Fund,,, For Life . Never give it another moments thought. :happy Toons is right. If you're young or can handle more risk go with Life Strategy Growth and when you retire move to Life Strategy Moderate Growth or Conserva...
by lostdog
Wed Mar 29, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: An Edward Jones Financial Advisor stopped by my house and spoke with my wife
Replies: 111
Views: 11467

Re: An Edward Jones Financial Advisor stopped by my house and spoke with my wife

I think toons said it best and just be kind. My brother in law is a annuity salesman. I could easily call him a crook but I don't. We get along very well during the family holiday get togethers. He has luxury cars and lives in a 700k home. I know full well how he gets that money. I just decided it's...
by lostdog
Tue Mar 21, 2017 7:36 am
Forum: Investing - Theory, News & General
Topic: Anyone else taking less risk
Replies: 115
Views: 9777

Re: Anyone else taking less risk

100% VTSAX and VINIX. When we hit the goal of $1,500,000 we will change to 80/20. When we hit $2,500,000 we'll change to 60/40. I will use Total Bond for the bond portion. This is goal based and very easy for us to follow this plan. This keeps us from making market timing decisions.
by lostdog
Sat Mar 18, 2017 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Advice on bulk investment in S&P 500 for retirement savings growth?
Replies: 13
Views: 885

Re: Advice on bulk investment in S&P 500 for retirement savings growth?

Just buy it now or dollar cost average over six months. Don't try to time the market because you'll lose. Follow your plan of investing $2000 a month and move on . Set automatic investing from the website and move in with your life. Look at the account maybe once a year. Really simple. They key is n...
by lostdog
Mon Mar 13, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2591
Views: 675151

Re: What Movie Have You Recently Watched?

Prometheus. I am a huge Alien and Aliens fan. I am looking forward to Alien:Covenant in May.
by lostdog
Sat Mar 11, 2017 4:25 pm
Forum: Investing - Theory, News & General
Topic: Anyone sorry they used bonds when starting out
Replies: 94
Views: 6988

Re: Anyone sorry they used bonds when starting out

Stemikger,

I am 41 years old and my wife is 39. When we hit our goal of 1 million in investible assets we will go from 100% stocks to 80/20 or 75/25. When we hit 2.5 million we will go to 70/30 or 60/40.
by lostdog
Sat Mar 11, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: 28yo, New Millionaire, Advice on Wealth Management
Replies: 64
Views: 6739

Re: 28yo, New Millionaire, Advice on Wealth Management

Pay off all of your loans. Avoid brokers and annuity salesman. Build a 3 fund portfolio at Vanguard with an asset allocation that suits your situation. I recommend calling Vanguard to help you with tax efficient fund placement and asset allocation. Congratulations and welcome to bogleheads. :sharebeer
by lostdog
Sat Mar 04, 2017 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 16108

Re: Possibly Financially Independent and Feeling Miserable

Just simply semi-retire. Find a part time job you really enjoy while still making some money. The part time money can cover vacations or insurance. Congratulations! :sharebeer
by lostdog
Fri Mar 03, 2017 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review: Newbie w/ $2.8M
Replies: 58
Views: 6325

Re: Portfolio Review: Newbie w/ $2.8M

If this will be all in taxable you could go 50% Total Stock Market Admiral and 50% Intermediate Term Tax Exempt Admiral Municipal Bond Fund. If you end up in the 15% to 25% tax bracket then you could exchange the municipal bond fund for the Total Bond Fund. Super simple!
by lostdog
Thu Mar 02, 2017 8:42 am
Forum: Investing - Theory, News & General
Topic: Mom & Pop investors piling in. Bad Sign/Good sign?
Replies: 36
Views: 6948

Re: Mom & Pop investors piling in. Bad Sign/Good sign?

This is the second thread about people getting concerned about run ups. Stay the course and set your asset allocation based on your goals.
by lostdog
Thu Feb 23, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: Does anyone else have (possibly too much) fun dealing with finances?
Replies: 69
Views: 5334

Re: Does anyone else have (possibly too much) fun dealing with finances?

I was having fun managing everything. I was tracking everything in Quicken. I ended up checking it everyday including the every day ups and downs of the stock market. I recently decided to simplify that portion of my life. I removed all of our investment accounts tracking in Quicken. I am only track...
by lostdog
Tue Feb 21, 2017 8:28 am
Forum: Investing - Help with Personal Investments
Topic: 20% bonds: why bother at 48?
Replies: 131
Views: 6997

Re: 20% bonds: why bother at 48?

If you can ride it out for the next 10 to 15 years then go for it. I rode out 2008-2009 in 100% equities and was fine. I started reading this board in 2015 and the paranoia got to my head. I threw in some bonds but I felt bad because I felt I gave in to the paranoia. When I get closer to full retire...
by lostdog
Sun Feb 19, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Retire in my 30s?!
Replies: 34
Views: 5867

Re: Retire in my 30s?!

Go for it. If it doesn't work out just go back to work.

Kudos on semi retiring! :sharebeer

I am 41 and not returning to the rat race. Semi-retired.
by lostdog
Fri Feb 17, 2017 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Two-Fund Portfolio Role Call
Replies: 43
Views: 4718

Re: Two-Fund Portfolio Role Call

I just don't see having 20% international making a difference anyway so no point in adding to make it a bit more complex. I value simplicity.
by lostdog
Wed Feb 15, 2017 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 10722

Re: Bogleheads not the norm?

Low income here. We're debt free including mortgage. In 2016 we passed the 500k networth mark. No kids. The no kids part helped.
by lostdog
Mon Feb 13, 2017 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Two-Fund Portfolio Role Call
Replies: 43
Views: 4718

Re: Two-Fund Portfolio Role Call

Two funder here. I use the Vanguard Institutional Index Fund (which is the Vanguard 500 Index for Institutions) and the Blackrock U.S. Debt Index Fund (which is the equivalent to Vanguard's Total Bond Market Index). I just changed my asset allocation from 65/35 to 60/40. I have a small IRA which is...
by lostdog
Sun Feb 12, 2017 8:28 am
Forum: Forum Issues and Administration
Topic: welcome home bogleheads.org
Replies: 30
Views: 2951

Re: welcome home bogleheads.org

Amazing facility. The boglehead server will be secure and high performing no doubt. Reminds me of the end of the Raiders of the Lost Ark where the Ark of the Covenant was lost in the huge warehouse facility. Somewhere in there is the boglehead server.
by lostdog
Sun Feb 12, 2017 7:42 am
Forum: Investing - Help with Personal Investments
Topic: Alternative To PAS 60/40 Core Fund Portfolio In Retirement
Replies: 3
Views: 368

Re: Alternative To PAS 60/40 Core Fund Portfolio In Retirement

If there is no taxable account involved you can just go with the Life Strategy Moderate Growth Fund and be done. It's really that simple. In my opinion you don't need PAS. If you have a tendency to panick sell in the bad times then you might have use for them.
by lostdog
Fri Feb 10, 2017 9:37 am
Forum: Investing - Theory, News & General
Topic: Vanguard Balanced Index Fund Success Experience
Replies: 3
Views: 828

Re: Vanguard Balanced Index Fund Success Experience

If I did not have a taxable account when I retired I would put everything in this fund and get on with my life. Simple, simple, simple...
by lostdog
Wed Feb 08, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 297
Views: 26547

Re: Quicken's future direction - a cause for concern

If the subscription is between $20 to $50 then I'll deal with it. Anything over that range I'll check out money dance or go full Google spreadsheets. I'll be very disappointed if I have to switch. I really enjoy Quicken.
by lostdog
Sat Feb 04, 2017 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Am I being given needlessly complicated advice?
Replies: 31
Views: 3093

Re: Am I being given needlessly complicated advice?

Toons wrote:Keep It Simple.
One Fund.
Less is More. :happy


+1

Vanguard Balanced Index Fund.
by lostdog
Sat Feb 04, 2017 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Am I being given needlessly complicated advice?
Replies: 31
Views: 3093

Re: Am I being given needlessly complicated advice?

You could go with the one fund for the rest of your life with a 60/40 split close to your desired allocation. Vanguard Balanced Index Fund Admiral. One and done and then get on with your life.
by lostdog
Wed Feb 01, 2017 8:03 am
Forum: Investing - Theory, News & General
Topic: Stock market optimism
Replies: 38
Views: 4064

Re: Stock market optimism

No one knows anything. Just keep saving and follow your IPS goals.

Short term ups and downs but long term growth. Stay the course.
by lostdog
Sat Jan 21, 2017 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard TR or balanced index fund???
Replies: 28
Views: 2139

Re: Vanguard TR or balanced index fund???

60/40 is the sweet spot! If you want to set it and forget it VBINX, preferably VBIAX ( same fund Admiral shares .08 ER $10,000 investment min) Amazinging simple, and it will serve you well! +1 Completely agree. If I did not have e a taxable account when we hit retirement I would be all in this fund...
by lostdog
Wed Jan 18, 2017 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice for Vanguard fund choices for $1.6M
Replies: 19
Views: 2506

Re: Need advice for Vanguard fund choices for $1.6M

Since you're scared about investing all at once I would DCA the money over a period of time. Don't try to market time it based on events. Maybe setup a certain amount to get invested every Friday. Don't spread it out for too long. I like Ducky's suggestion. Go with Total Stock Market Index in your t...
by lostdog
Wed Jan 18, 2017 8:45 am
Forum: Investing - Help with Personal Investments
Topic: No company 401k. Already max Roth. Now what?
Replies: 15
Views: 1190

Re: No company 401k. Already max Roth. Now what?

Total stock market index fund in your taxable account. Hold tax inefficient bonds in your tax deferred accounts. If you run out of space for bonds in your tax deferred accounts you can use tax exempt Muni bond in your taxable account to cover the bond allocation.
by lostdog
Tue Jan 17, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: My co-worker boasting about his investments. What do you think about his selections?
Replies: 57
Views: 5030

Re: My co-worker boasting about his investments. What do you think about his selections?

I made the mistake a few times talking about investments with family and friends. Here is what happened. 1. Blank stares. 2. One of my friends is a know it all so he proceeded to tell me my way of saving and investing will result in me not having a life which is inaccurate. 3. They will get defensiv...

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