Search found 277 matches

by rattlenap
Tue Jun 27, 2017 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: TIPS or no TIPS again
Replies: 47
Views: 2562

Re: TIPS or no TIPS again

Thank you, one and all for contributing! @nedsaid, I especially appreciate your detailed explanation of underlying factors. I had gathered as much from my readings but not being fluent in these matters, it helps to have them rephrased and restated. :beer @dbr, thanks for responses. FYI, I am not co...
by rattlenap
Mon Jun 26, 2017 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund
Replies: 9
Views: 1313

Re: Emergency Fund

If it helps, I keep my 2nd tier emergency cash in the Vanguard settlement fund/Federal Money Market Fund via a taxable account and feel completely safe with it there. Personally, I do not trust the Prime Money Market Fund.
by rattlenap
Sun Jun 25, 2017 4:12 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite Vanguard Fund
Replies: 56
Views: 5582

Re: Your Favorite Vanguard Fund

Vanguard Balanced Index Fund for me.
by rattlenap
Sun Jun 18, 2017 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: What Is The Right Amount For An Emergency Fund?
Replies: 27
Views: 2489

Re: What Is The Right Amount For An Emergency Fund?

My biggest risk of needing to dip into my EF is losing my job. Personally, I'm in a pretty niche field that would require me to relocate when/if I could get a new job. Ageism in the IT industry isn't exactly making it any easier. I decided I need 2 years EF to feel comfortable. If I was in a field ...
by rattlenap
Sun Jun 18, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: What Is The Right Amount For An Emergency Fund?
Replies: 27
Views: 2489

What Is The Right Amount For An Emergency Fund?

For myself, I keep the often recommended 6 months worth of cash on hand given my circumstance. I do know that each person's situation is different and how much you keep depends on your circumstance. Yet nobody seems to agree what the sweet spot is. What do you think a good amount is?
by rattlenap
Sat Jun 17, 2017 2:15 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Federal Money Market Fund (VMFXX)
Replies: 27
Views: 4473

Re: Vanguard Federal Money Market Fund (VMFXX)

Fiat lux wrote:I use AONIX for a place to stash a good chunk of my emergency fund. How do you think this compares with the vanguard fund mentioned in this thread ?

What is AONIX? I wasn't able to find anything on it.
by rattlenap
Thu Jun 15, 2017 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Rollover Questions
Replies: 9
Views: 600

Re: 401k Rollover Questions

Why don't you instead fill out an account transfer form and mail it in to Vanguard. Have them "pull" the assets from the 401K into the Rollover IRA. I can't answer for the OP but Megacorp doesn't allow that for security reasons. The only way to roll out of it is via a check sent to the ad...
by rattlenap
Wed Jun 14, 2017 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Rollover Questions
Replies: 9
Views: 600

Re: 401k Rollover Questions

I did a rollover of part of my Fidelity 401k and talked to someone at Fidelity (on a recorded line) & asked them to do the following: -do a "trustee to trustee" transfer; no state or Federal taxes are to be withheld -make the check out to "Vanguard Fiduciary Trust Company, FBO bi...
by rattlenap
Wed Jun 14, 2017 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Rollover Questions
Replies: 9
Views: 600

401k Rollover Questions

I left my old job and still have a Pre-Tax 401K with Fidelity that I want to rollover into a Pre-Tax IRA rollover with the Vanguard in the Balanced Index Fund VBIAX. Now I already have the brokerage account set-up with Vanguard from a previous previous 401k rollover I did sometime back and had that ...
by rattlenap
Tue Jun 13, 2017 4:42 am
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 12079

Re: Bogle Doubles Down on US Index Funds

Will the endless back and forth about international stocks. I think I'll just stick with my Vanguard Balanced Index Fund.
by rattlenap
Sun Jun 11, 2017 7:57 pm
Forum: Investing - Theory, News & General
Topic: Add TIPS and High Yield Corporate Bonds To Your Portfolio?
Replies: 16
Views: 1408

Add TIPS and High Yield Corporate Bonds To Your Portfolio?

I often see posts about tilting as well as slicing and dicing albeit on the stock side of your portfolio. Yet what about adding extension funds to the bond portion? TIPS and High Yield Corporate Bonds are not in the Total Bond Fund. Rick Ferri's portfolio does a 60/20/20 split between Vanguard Total...
by rattlenap
Sun Jun 11, 2017 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: New Portfolio Review
Replies: 9
Views: 820

Re: New Portfolio Review

rattlenap, << Also, I prefer the ROTH 401k even though I am in the 25% tax bracket. I'd much rather pay my taxes now then in retirement.>> 1) Why do you want to pay more tax than necessary? 2) Why do you want to pay tax with the money that is worth more NOW versus less in the FUTURE? If you underst...
by rattlenap
Sun Jun 11, 2017 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: New Portfolio Review
Replies: 9
Views: 820

Re: New Portfolio Review

In my opinion your desired asset allocation is within the range of what is reasonable. Your 401k has some excellent fund choices. In the 401k I suggest simply using: Vanguard Institutional Index Fund (a S&P 500 index fund) (VIIIX) ER 0.02%; and State Street U.S. Bond Index Fund ER 0.05% At your...
by rattlenap
Sun Jun 11, 2017 12:47 am
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your Savings?
Replies: 24
Views: 3242

Re: Where do you keep your Savings?

1st tier 2 months savings checking account
2nd tier 4 months savings Vanguard Federal Money Market fund in taxable account
3rd tier extended cash reserves iBonds
by rattlenap
Sun Jun 11, 2017 12:40 am
Forum: Investing - Help with Personal Investments
Topic: New Portfolio Review
Replies: 9
Views: 820

New Portfolio Review

Emergency funds: 6 months Debt: none Tax Filing Status: Single with no children Tax Rate: 25% Federal, 6% State State of Residence: CA Age: 41 Desired Asset allocation: 60% stocks / 40% bonds Desired International allocation: 0% of stocks I already have the investing thing down. It’s just that I sta...
by rattlenap
Sat Jun 10, 2017 3:28 pm
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 6868

Re: 100% Stock Portfolio?

I merged rattlenap's thread back into the original, which is a similar discussion. rattlenap - Are you asking about this for yourself? If so, it might help if you could post additional info using the Asking Portfolio Questions format. Hi, no I am not. I am just curios to get other people opinions o...
by rattlenap
Sat Jun 10, 2017 1:40 am
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 6868

100% Stocks For A Late Starter?

[Thread merged into here, see below. --admin LadyGeek] If you're 40, a late starter to investing, but can handle volatility and want to be 100% in stocks for the rest of you life? What are your thoughts for someone in this situation? Do you think it is a bad idea? Or hey, if they can handle the vol...
by rattlenap
Thu Jun 08, 2017 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: California Intermediate-Term Tax-Exempt
Replies: 4
Views: 747

California Intermediate-Term Tax-Exempt

I live in California am in the 25% tax bracket and want to invest in the Vanguard California Intermediate-Term Tax-Exempt VCAIX fund in a taxable account. My questions are: I won't have to pay Federal Taxes nor state and county taxes as well on the interest since I am a resident of the state, correc...
by rattlenap
Thu Jun 08, 2017 6:08 pm
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 6868

Re: 100% Stock Portfolio?

Hard to believe my simple little post caused a bit of a firestorm.
by rattlenap
Thu Jun 08, 2017 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Which type of Vangaurd [fund]?
Replies: 16
Views: 1249

Re: Which type of Vangaurd [fund]?

Welcome. Wellington is a good "active" fund. One thing to note, Wellington does completely overlap with a LifeStrategy or Target Date fund. You do not need both. Wellington has about 99 stocks and 700 bonds. 65/35 stocks to bonds. Does that fit your desired asset allocation at your curren...
by rattlenap
Thu Jun 08, 2017 11:50 am
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 6868

Re: 100% Stock Portfolio?

Yes! Absolutely! I am 100% stocks and happy as a clam. Just a few days ago I dumped 5500 to fill out my roth ira space for the year. (Disclaimer, single male, mid 30s, no children) On this website, the advice concerning one's asset allocation breaks down into two major types of advice. 1. The objec...
by rattlenap
Thu Jun 08, 2017 10:59 am
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 6868

Re: 100% Stock Portfolio?

Yes! Absolutely! I am 100% stocks and happy as a clam. Just a few days ago I dumped 5500 to fill out my roth ira space for the year. (Disclaimer, single male, mid 30s, no children) On this website, the advice concerning one's asset allocation breaks down into two major types of advice. 1. The objec...
by rattlenap
Thu Jun 08, 2017 10:44 am
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 6868

Re: 100% Stock Portfolio?

InvestorNewb wrote:I've been more or less 100% stocks since 2012. I plan on staying 100% stocks until I hit my number. At that point I will reassess what I want to do with my portfolio. The number is $2m. Currently more than half way there.

Just curios, but what % do you allocate to each fund?
by rattlenap
Wed Jun 07, 2017 7:31 pm
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 6868

Re: 100% Stock Portfolio?

What are your thoughts on someone having a 100% stock portfolio for the rest of their lives? Lets say you're a 40 year old single person with no children. You keep a few years worth of savings in iBonds , are unafraid of the volatility in the stock market and therefore put all of your money into si...
by rattlenap
Wed Jun 07, 2017 6:32 pm
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 6868

100% Stock Portfolio?

What are your thoughts on someone having a 100% stock portfolio for the rest of their lives? Lets say you're a 40 year old single person with no children. You keep a few years worth of savings in iBonds, are unafraid of the volatility in the stock market and therefore put all of your money into simp...
by rattlenap
Sat Jun 03, 2017 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on emergency account amount.
Replies: 22
Views: 2312

Re: Thoughts on emergency account amount.

I am single with no children. Still young, in my early 40's and in excellent health. Also, I live in near and area that has an abundance of jobs and actually did well during the crash of 2008. So I keep six months worth of saving. Once I hit 50 I will gradually up it so that once I retire at around ...
by rattlenap
Tue May 30, 2017 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Best Vanguard fund for emergency fund?
Replies: 21
Views: 2846

Re: Best Vanguard fund for emergency fund?

I keep 2 months in a normal checking account. I then keep another 4 months in the Vanguard Federal Money Market fund via taxable account.
by rattlenap
Thu May 18, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 58
Views: 9241

Re: Is the Vanguard Balanced Index Fund all you need?

AlwaysaQ wrote:Can somebody who held Vanguard Balanced Index tell me what percentage of dividends were qualified dividends? That info doesn't seem available on the website.

15% I believe.
by rattlenap
Tue May 16, 2017 4:02 pm
Forum: Investing - Theory, News & General
Topic: Best argument you've heard against passive/for active?
Replies: 49
Views: 4237

Re: Best argument you've heard against passive/for active?

I've been catching the elevator at work over the last couple of months. On the small news monitors in them, I've been seeing advertisements from Oppenheimer funds with catchphrases like "Index Investing is so 1957" & "Market-cap weighting is so three martini lunch". Challenge...
by rattlenap
Tue May 16, 2017 8:25 am
Forum: Investing - Theory, News & General
Topic: What Will Burst the Next Bubble?
Replies: 66
Views: 6634

Re: What Will Burst the Next Bubble?

This is exactly why I do a simple 60/40 AA. So as to mitigate risk.
by rattlenap
Thu May 11, 2017 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: international stocks poised to outperform US ???
Replies: 80
Views: 6207

Re: international stocks poised to outperform US ???

I checked with my financial advisor today and here is what he had to say: “For 240 years it’s been a terrible mistake to bet against America, and now is no time to start” He is a guy named Warren Buffett, he has smoked the pants off the S&P 500 for the past few decades. How's your guy done over...
by rattlenap
Mon May 08, 2017 5:15 pm
Forum: Investing - Theory, News & General
Topic: Why Does The 60/40 Work So Well?
Replies: 72
Views: 9457

Why Does The 60/40 Work So Well?

I have always been a 60/40 guy even when I was younger.
So I'd like to get your opinion on why you think the 60/40 asset allocation has always worked so well.
Why it has stood the test of time.
by rattlenap
Mon May 08, 2017 10:30 am
Forum: Investing - Theory, News & General
Topic: Buffet and Bogle on bonds
Replies: 24
Views: 3026

Re: Buffet and Bogle on bonds

I do the 60/40 as well, though I don't have international in my portfolio. Honestly, I take the same position with bonds as I do with stocks and that is just stay the course. Especially with my asset allocation. Hope this helps!
by rattlenap
Tue May 02, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Will REIT's Protect You From Inflation?
Replies: 22
Views: 2008

Will REIT's Protect You From Inflation?

Can REIT's be a hedge against inflation? I am not talking about your regular 2-3% inflation. No, I am referring to unanticipated runaway inflation just like the rampant inflation we had in the 1970's.
by rattlenap
Mon May 01, 2017 12:07 am
Forum: Local Chapters and Bogleheads Community
Topic: John Bogle's Legacy!
Replies: 19
Views: 3054

John Bogle's Legacy!

I don't say this to be mean, because we all love Jack and what he has done for investors. Yet has it occurred to anyone that John Bogle is in the final act of his life? He's about to turn 89 soon. I really hope he lives another 10 years because I simply can't enough of him. Honestly, he is one of a ...
by rattlenap
Sun Apr 30, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Saving for mortgage
Replies: 8
Views: 1017

Re: Saving for mortgage

We have been saving for our mortgage, which is about 180K. We are keeping that in a credit union with an interest rate of 0.1%. We may be buying our first house in 3 to 6-month time. Is it worth moving that money to banks such as Ally or Discover that offers better interest rate? Any other options ...
by rattlenap
Sun Apr 30, 2017 3:40 am
Forum: Investing - Help with Personal Investments
Topic: Buying Individuals Stocks In A Roth IRA?
Replies: 7
Views: 1002

Buying Individuals Stocks In A Roth IRA?

Just curios, but can you buy individuals stocks in a Roth IRA at Vanguard?
by rattlenap
Sun Apr 30, 2017 3:13 am
Forum: Investing - Theory, News & General
Topic: Another "Why Bonds?" / Buffett 90/10 thread..
Replies: 66
Views: 8107

Re: Another "Why Bonds?" / Buffett 90/10 thread..

The only problem with the this type of portfolio is what if you were doing it during say the crash of 2008-2009? Keep in mind now that it took 3 years for the S&P 500 to fully recover. And lets say you withdrew from that 10% during this period rather than the S&P. Well, once the S&P rec...
by rattlenap
Sun Apr 30, 2017 1:47 am
Forum: Investing - Theory, News & General
Topic: Another "Why Bonds?" / Buffett 90/10 thread..
Replies: 66
Views: 8107

Re: Another "Why Bonds?" / Buffett 90/10 thread..

The only problem with the this type of portfolio is what if you were doing it during say the crash of 2008-2009? Keep in mind now that it took 3 years for the S&P 500 to fully recover. And lets say you withdrew from that 10% during this period rather than the S&P. Well, once the S&P reco...
by rattlenap
Fri Apr 28, 2017 4:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 106
Views: 10156

Re: Vanguard has switched to brokerage only accounts

What is the difference between brokerage and non-brokerage account? Did I miss something here?
by rattlenap
Fri Apr 28, 2017 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Stay Out Of REITs?
Replies: 35
Views: 4664

Re: Stay Out Of REITs?

Depends on what strategy you use: 1) Simplicity -- yep, stay out -- pick whatever the TSM give you. 2) Splice and dice but fixed percentages where you have good auto-rebalancing tools -- keep with whatever percentage you previously had 3) You don't have anything now, you want to get into REITS and ...
by rattlenap
Fri Apr 28, 2017 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Stay Out Of REITs?
Replies: 35
Views: 4664

Re: Stay Out Of REITs?

Keep in mind that if you own Total Stock Market (or MidCap or SmallCap), then you own REIT's. True for TSM, but in a very haphazard way. For other funds, it depends--some exclude REITs, and others don't. I really wish all funds just excluded REITs, since it would make it a lot easier just to pick m...
by rattlenap
Fri Apr 28, 2017 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Stay Out Of REITs?
Replies: 35
Views: 4664

Re: Stay Out Of REITs?

REITs have been more advantageous to me than international stocks. I'm not saying that international won't have its day, but it's hard to dismiss these returns: From May 4, 2007 - April 2017, international returned 2.77% From May 4, 2007 - April 2017, REITs returned 65.71% ... and that's without di...
by rattlenap
Thu Apr 27, 2017 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Stay Out Of REITs?
Replies: 35
Views: 4664

Stay Out Of REITs?

Would it be wise to stay out of REITs given their valuations? Since we've had low interest rates over the last several years, people have been piling into REITs chasing yield.
by rattlenap
Tue Apr 18, 2017 6:38 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason a buy-and-hold investor would buy gold?
Replies: 121
Views: 6978

Re: Is there any reason a buy-and-hold investor would buy gold?

Take it from someone who owned gold in the past. I bought it back in 2001 when the spot price was below $300 an ounce and sold it later on in the decade at I think $850 at spot price. It only goes up in value when people think the sky is falling. Trust me on this! The timing of when I did buy it wa...
by rattlenap
Mon Apr 17, 2017 11:22 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason a buy-and-hold investor would buy gold?
Replies: 121
Views: 6978

Re: Is there any reason a buy-and-hold investor would buy gold?

Take it from someone who owned gold in the past. I bought it back in 2001 when the spot price was below $300 an ounce and sold it later on in the decade at I think $850 at spot price. It only goes up in value when people think the sky is falling. Trust me on this! The timing of when I did buy it was...
by rattlenap
Tue Apr 11, 2017 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Should I just invest in one Mutual Fund
Replies: 25
Views: 1677

Re: Should I just invest in one Mutual Fund

I invest in just 1 mutual fund across all of my accounts (401k, Roth IRA and Taxable) and that being the Vanguard Balanced Index. Luckily I have access to it via my 401k.
by rattlenap
Sun Apr 09, 2017 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard funds for emergency cash
Replies: 14
Views: 2011

Re: Vanguard funds for emergency cash

I just keep all of my EF in the taxable account settlement fund, which is of course the Vanguard Federal Money Market Fund.
by rattlenap
Fri Mar 31, 2017 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund In Retirement?
Replies: 20
Views: 2914

Re: Vanguard Balanced Index Fund In Retirement?

Based on this thread I was running PV and, as always, the time period matters a lot. VBINX looks like a loser when you start in 2000. I moved the start year to 2004, my retirement year, and suddenly everything looked different. Beware back testing. The reason I started right in 2000 is that was dur...
by rattlenap
Wed Mar 29, 2017 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund In Retirement?
Replies: 20
Views: 2914

Re: Vanguard Balanced Index Fund In Retirement?

Try back testing vwelx (wellington) and vwinx (wellesley), they both outperformed balanced fund with less fluctuation. Of course they did. Yet they are actively managed though. The balanced fund represents the broad U.S. stock and bond markets, is also an index fund and you know what you're going t...

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