Search found 170 matches

by ray333
Sun Jun 25, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Crazy(?) Adviser Advice: "I don't believe in bonds"
Replies: 48
Views: 4422

Re: Crazy(?) Adviser Advice: "I don't believe in bonds"

If you are young and can honestly say to yourself "I'm not going to curl up in a ball and cry if my portfolio drops by 50%. I'll ride this out and even make contributions to buy up cheaper shares" than there is no point in owning bonds. The more I read, the more it seems bonds offer more o...
by ray333
Sat Jun 24, 2017 1:07 pm
Forum: Investing - Theory, News & General
Topic: Anything wrong with 100% US Stocks?
Replies: 35
Views: 2364

Re: Anything wrong with 100% US Stocks?

With a few clicks you can essentially own parts of ~10,000 companies world wide (total us / total int'l) No idea why you wouldn't want to hedge your bets rather than bank on the US entirely ... although, if the total us is worthless it means the world is likely ending, so whatever your "asset a...
by ray333
Sun Jun 11, 2017 4:28 pm
Forum: Investing - Theory, News & General
Topic: Jim Rogers predicting "crash of a lifetime" this year or next
Replies: 89
Views: 10073

Re: Jim Rogers predicting "crash of a lifetime" this year or next

David Stockman : "horrendous storm" about to hit stocks ...

Good, been waiting for a buying opportunity. He's calling for a 30+% drop. Sky falling!
by ray333
Thu Jun 08, 2017 3:44 pm
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 6702

Re: 100% Stock Portfolio?

Why bother arguing? It seems to me bonds are more for mental stability / sanity than actual returns If they help you sleep better, use them. If you're nearing retirement, use them to "save" what you've grown. If your young, I have no idea why you'd bother with bonds, but again - if it help...
by ray333
Wed Jun 07, 2017 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Buy car in cash ... or invest / lease
Replies: 26
Views: 2252

Re: Buy car in cash ... or invest / lease

Thank you all

There's s dealership nearby I may pop in for a chat / test drive. Again, no need for the car til December so I'd rather "shop" with no pressure. Thanks again!

(How are they in snow? I went from Audi to Jeep Grand Cherokee ... I hope I'm not taking my AWD for granted)
by ray333
Tue Jun 06, 2017 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Buy car in cash ... or invest / lease
Replies: 26
Views: 2252

Re: Buy car in cash ... or invest / lease

Yeah I'm definitely buying the car ... Civics last forever ... Just trying to figure if it's better to treat it as a lump sum "investment" and then make no future payments ... or pay $200-300 monthly until I own it while investing the difference ... I have leased my cars for awhile. Up in ...
by ray333
Tue Jun 06, 2017 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: Is there anything wrong with starting with a Traditional IRA then transitioning to a Roth IRA
Replies: 16
Views: 915

Re: Is there anything wrong with starting with a Traditional IRA then transitioning to a Roth IRA

You could convert the traditional ... but you'll pay taxes on that if you do so You could do the traditional then switch to the Roth ... you'll just have smaller balances in each. You're young. Max out a Roth every year for the next 20+ years and you'll be in awe of how much it grows - and feel even...
by ray333
Tue Jun 06, 2017 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Buy car in cash ... or invest / lease
Replies: 26
Views: 2252

Buy car in cash ... or invest / lease

Love the new Honda Civics ... would also love to pay 20-25K and drive it for a decade. I can pay for it upfront 100% ... or I can put a nice down payment (5K) and invest the remaining 15-20K. Own and no payments or finance while investing? I assume leasing is a major BH no no. I have until December,...
by ray333
Tue Jun 06, 2017 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Is there anything wrong with starting with a Traditional IRA then transitioning to a Roth IRA
Replies: 16
Views: 915

Re: Is there anything wrong with starting with a Traditional IRA then transitioning to a Roth IRA

I would ...

401k up to match

Max out Roth

Max out 401k - assuming Funds don't suck

Taxable brokerage ... buy/hold to bypass short term capital gains
by ray333
Tue Jun 06, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: What really happens in a bear market?
Replies: 37
Views: 4008

Re: What really happens in a bear market?

People are scared of investing. It took forever to convince my girlfriend (making 6 figures and paid off student loans) to "invest" @ 32 ... with a target retirement fund I think it's a combo of 08/09 and people simply not understanding the market so they avoid all together Or the cost of ...
by ray333
Fri Jun 02, 2017 6:52 am
Forum: Investing - Help with Personal Investments
Topic: What to do with $2-5K
Replies: 7
Views: 930

Re: What to do with $2-5K

Ally raise your rate CD? I'm tempted to drop 20k in one myself ... I also want cash on hand to buy the next dip ...

Decisions decisions.
by ray333
Mon May 29, 2017 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage and Rebalancing
Replies: 4
Views: 555

Re: Vanguard Brokerage and Rebalancing

You could sell and buy into a target date fund ... I don't believe there's a feature that auto reallocates a 3 fund
by ray333
Mon May 29, 2017 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage and Rebalancing
Replies: 4
Views: 555

Re: Vanguard Brokerage and Rebalancing

Like target retirement date funds ?
by ray333
Mon May 29, 2017 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Bond fund recommendation?
Replies: 4
Views: 618

Re: Bond fund recommendation?

I was looking at the NJ tax exempt muni ... just to be clear, is there a minimum length of time I'd need to hold this bond before I could sell/exchange?
by ray333
Sun May 28, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: When you didn't have 401(k)/403(b), did you have IRA?
Replies: 46
Views: 2174

Re: When you didn't have 401(k)/403(b), did you have IRA?

The more I "get into" investing and discuss with people, the more I realize how terrified some people seem to be of it

Whether it's market risk or simply being overwhelmed by something they aren't familiar with, I don't know - just something I've started noticing
by ray333
Thu May 25, 2017 11:59 pm
Forum: Investing - Theory, News & General
Topic: Siegel v. Shiller on Equity Valuations
Replies: 13
Views: 1636

Re: Siegel v. Shiller on Equity Valuations

Looks like I should've bought more during last Wednesday's "free fall".

Hopefully some more noise causes another minor correction or 2 this summer
by ray333
Thu May 25, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Should I cancel my whole life policy?
Replies: 80
Views: 8268

Re: Should I cancel my whole life policy?

You shouldn't even be thinking about life insurance right now

Funny, this kind of nonsense is why I ultimately ditched my financial advisor for Boggleheads.
by ray333
Thu May 25, 2017 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund / House down payment
Replies: 2
Views: 313

Emergency Fund / House down payment

For someone planning to buy a home in 2 years, what would be an ideal place to "invest"? I know nothing about bonds ... would a 18 month/2 year CD make the most sense? My emergency fund is excessive, but that's lumping my down payment in it with. My actual investments are 100% equity, so I...
by ray333
Thu May 25, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: When does Saving become missing out on life?
Replies: 74
Views: 8411

Re: When does Saving become missing out on life?

I travel, do what I want on the weekends, and simply live frugally (also healthy) during the week (bring lunch, make coffee at home, save a ton of money, only "go out" on weekends, etc) I take my net income for the month, move 90% of what's left after expenses/living life to Vanguard, 10% ...
by ray333
Wed May 24, 2017 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: VTSMX vs Schwab Total Stock Market Index Fund
Replies: 29
Views: 2640

Re: VTSMX vs Schwab Total Stock Market Index Fund

I believe Schwab tracks the Dow while Vanguard's tracks Wilshire 5000 ...

Maybe Vanguard more diverse / more stocks?
by ray333
Tue May 23, 2017 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Is withdrawing money from Vanguard Market Fund taxable?
Replies: 3
Views: 513

Re: Is withdrawing money from Vanguard Market Fund taxable?

It's only $4,500 ... better to just invest ?
by ray333
Tue May 23, 2017 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Is withdrawing money from Vanguard Market Fund taxable?
Replies: 3
Views: 513

Is withdrawing money from Vanguard Market Fund taxable?

Not technically selling any stock/shares, but would withdrawing funds from the federal money market fund be taxable? (Taxable brokerage acct)

I'd rather have it sit in my Ally earning more interest until I'm ready to dump another lump sum ... or should I just invest it and forget it
by ray333
Tue May 23, 2017 4:45 pm
Forum: Investing - Theory, News & General
Topic: Question on Shiller CAPE predictions
Replies: 66
Views: 2621

Re: Question on Schiller CAPE predictions

Sorry on phone ... Nobel winning economist Schiller? It's on CNBC today
by ray333
Tue May 23, 2017 4:40 pm
Forum: Investing - Theory, News & General
Topic: Question on Shiller CAPE predictions
Replies: 66
Views: 2621

Re: Question on Schiller CAPE predictions

This is the same Schiller on CNBC calling for a potential 50% increase in a bull market that could go on for years?
by ray333
Tue May 23, 2017 3:15 pm
Forum: Investing - Theory, News & General
Topic: Zacks says sell Wellesley!?
Replies: 89
Views: 10151

Re: Zacks says sell Wellesley!?

I plan on ultimately reallocating once I can buy Admiral Shares of "The W" in my Roth and then keeping Total US in my taxable (possibly adding total int'l to the taxable as well)

these W funds would be better if in an IRA than taxable correct?
by ray333
Fri May 19, 2017 9:07 am
Forum: Investing - Help with Personal Investments
Topic: At what age... [do you change investments]
Replies: 13
Views: 572

Re: At what age... [do you change investments]

"Just in case" what?

You're better off having a higher balance in 1 account - diversify within the account

I prefer simplicity in its, dare I say, simplest form
by ray333
Thu May 18, 2017 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: Settlement Fund ... am I missing something?
Replies: 2
Views: 474

Re: Settlement Fund ... am I missing something?

No difference. There's not much reason to keep anything in the settlement fund if you're just buying mutual fund shares. EDIT: In years past you could not do same-day Vanguard mutual fund transactions at Vanguard from a linked bank account, but a few years ago they changed that, and so now you can....
by ray333
Thu May 18, 2017 7:45 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 916045

Re: U.S. stocks in freefall

All I did was buy more shares and move more into my settlement fund Go ahead, keep dropping please. * for future reference, as long as a trade is submitted before closing bell, does it matter if you use a linked bank account or settlement fund? I find moving money to that fund forces me to invest at...
by ray333
Wed May 17, 2017 3:36 pm
Forum: Investing - Theory, News & General
Topic: I'm hearing conflicting advice on putting bonds in tax-protected accounts....?
Replies: 20
Views: 2526

Re: I'm hearing conflicting advice on putting bonds in tax-protected accounts....?

100% equity in Roth
100% equity taxable

Bonds will go in my tIRA when I can no longer contribute to Roth. As I age, I'll reallocate in the Roth to maintain what I've gained over 10-20 years
by ray333
Tue May 16, 2017 9:05 am
Forum: Investing - Theory, News & General
Topic: American Funds beat out Vanguard Index over lifetime?
Replies: 63
Views: 7302

Re: American Funds beat out Vanguard Index over lifetime?

American funds ... where my 5500 Roth contribution magically turns into a 5000 contribution overnight ... no thanks. looking forward to watching 5500 actually go into my Vanguard Roth next year.
by ray333
Tue May 16, 2017 9:01 am
Forum: Investing - Help with Personal Investments
Topic: AA revisited and Fund Placement?
Replies: 3
Views: 398

Re: AA revisited and Fund Placement?

sell it all and invest in total us / total international market index ... with I guess total bond, if you're into that sort of thing
by ray333
Tue May 16, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: How to stay on a budget?
Replies: 31
Views: 3410

Re: How to stay on a budget?

I keep a chase acct with limited funds to cover monthly expenses - and that's it. I move X amount into my Ally savings, and essentially forget about it. I move whatever's left to Vanguard. I'm young and still enjoy life - especially on the weekends, but I also live quite frugally (and healthy) durin...
by ray333
Tue May 16, 2017 8:51 am
Forum: Investing - Theory, News & General
Topic: What Will Burst the Next Bubble?
Replies: 66
Views: 6619

Re: What Will Burst the Next Bubble?

the market has hit 2 new record highs since I was "afraid of a market peak", so whatever ... invest consistently, buy more during corrections, wait 20+ years, enjoy
by ray333
Mon May 15, 2017 8:09 pm
Forum: Investing - Theory, News & General
Topic: Do stocks always go up long term?
Replies: 56
Views: 4599

Re: Do stocks always go up long term?

I willl continue to place all disposable income in some sort of combo of total us/total international market ... overtime I will accumulate wealth - or the world has ended so who cares.
by ray333
Sat May 13, 2017 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's safest all-equity fund
Replies: 59
Views: 5232

Re: Vanguard's safest all-equity fund

ray333 wrote:https://personal.vanguard.com/us/funds/snapshot?FundId=0065&FundIntExt=INT


once I can covert to admiral shares, I'll be putting this into my Roth
by ray333
Sat May 13, 2017 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Priority
Replies: 11
Views: 1077

Re: Investing Priority

roth growth tax free, funds in 401k may suck - still worth it up to the match since it's essentially free money / no brainer
by ray333
Sat May 13, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 216
Views: 18440

Re: Buying a luxury car (how dumb would it be to do this?)

I'd rather be rich then look rich while stuck in traffic ... did the fancy car thing in my early 20s ... hated the attention it brought me and in the end, would've been much better off investing the difference between a luxury German automobile and a honda civic I'd also still probably have the Hond...
by ray333
Thu May 11, 2017 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Up my Total int'l ?
Replies: 3
Views: 855

Re: Up my Total int'l ?

was more about the foreign tax credit / not wanting to dump more into total US at the moment ... but I will likely stay the course, possible dip more into the savings should a major correction hit
by ray333
Thu May 11, 2017 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Up my Total int'l ?
Replies: 3
Views: 855

Up my Total int'l ?

Currently 50K invested, 70/30 total US/Int'l mix between my Roth/Taxable Acct ... add 10K Int'l to my taxable (60K invest, 30K savings)?

25% tax bracket, currently only total US in taxable (Int'l/US mix in Roth) ... 32 y/o so long term outlook / NOT risk averse
by ray333
Thu May 11, 2017 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 216
Views: 18440

Re: Buying a luxury car (how dumb would it be to do this?)

Live life, Get something nicer than BMW
by ray333
Tue May 09, 2017 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Buy / Lease next car?
Replies: 3
Views: 451

Re: Buy / Lease next car?

no plans to leave the country ... I use my car for work. would tax benefits only apply for leasing?
by ray333
Tue May 09, 2017 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: international stocks poised to outperform US ???
Replies: 80
Views: 6195

Re: international stocks poised to outperform US ???

is the international total marker fund still a better buy/value than total us market?
by ray333
Tue May 09, 2017 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Buy / Lease next car?
Replies: 3
Views: 451

Buy / Lease next car?

Lease is up in December, plenty of time but started researching ... I've driven a "fancy car" before, I'm over it and quite frankly hate the attention it garners. Torn between several cars (Jeep, Subaru WRX/Impreza, Honda Civic/Accord). ideally something in the 20-30K range ... is there an...
by ray333
Sun May 07, 2017 10:10 am
Forum: Investing - Help with Personal Investments
Topic: New Job, 414H plan Question
Replies: 5
Views: 369

Re: New Job, 414H plan Question

yeah I might just leave it ... ideally I'd move it into Roth just to get as much under that tax free growth umbrella as possible [I know it'd be taxed]

I wonder if those restrictions are only if I take a check?
by ray333
Sun May 07, 2017 9:29 am
Forum: Investing - Help with Personal Investments
Topic: New Job, 414H plan Question
Replies: 5
Views: 369

Re: New Job, 414H plan Question

from Prudential: IMPORTANT: If you are vested and choose to take a distribution from this plan, the State will view you as being retired. As a reuslt, you will be prohibited from future participation in any of the NJ State sponsored pension plans. Please contact us at 1-866-NJDCRP1 with any question...
by ray333
Sat May 06, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: New Job, 414H plan Question
Replies: 5
Views: 369

New Job, 414H plan Question

25% tax bracket, will be leaving position in 2 weeks, 414H plan provided by current employer. will be entering private sector, 401K / profit sharing available after 1 year (June 2018) - not sure about funds available, but will obviously do up to the match at least when I can What are my options in r...
by ray333
Wed May 03, 2017 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: New job, FSA ?
Replies: 10
Views: 716

Re: New job, FSA ?

Thank you. They throw in a "free" life insurance policy, which just makes me more wary of signing up.

Would it be smarter to open my own HSA as I have a high deductible?
by ray333
Wed May 03, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: Another "Why Bonds?" / Buffett 90/10 thread..
Replies: 66
Views: 8092

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

backpacker I agree and disagree. First, I agree that money is fungible. So, it doesn't matter how you acquired it. The only decision you can make is what to do with it today and future. Past is gone. So, I agree that just because you made money with stocks, doesn't mean you should continue to own t...

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