Search found 29 matches

by sweeden22
Sun Jun 25, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: Getting out of lease options
Replies: 8
Views: 690

Re: Getting out of lease options

GTI is massively fun to drive. I realize Z is RWD, but I assure you the enjoyment level is not going to be enough difference to end lease early. I would probably prefer the GTI anyway. Enjoy the rest of your lease.

I have RWD small car and I respect GTI.
by sweeden22
Mon Jun 19, 2017 5:38 am
Forum: Investing - Help with Personal Investments
Topic: 457b [use funds to buy real estate]
Replies: 2
Views: 240

Re: 457b [use funds to buy real estate]

Once you stop working, there will not be an issue using the funds for such purchase. However, unless this is a Roth 457b, you will be paying income tax on whatever you withdraw. Therefore, typically people make withdrawals over their retirement. If you have a large sum and you withdraw it all in the...
by sweeden22
Sun Jun 04, 2017 4:20 am
Forum: Investing - Help with Personal Investments
Topic: Boglehead approved actively managed funds!
Replies: 28
Views: 3041

Re: Boglehead approved actively managed funds!

All of the PRIMECAP (closed funds at Vanguard). Furthermore, the ones sold directly by PRIMECAP (2 of the 3 are open). Dodge & Cox Stock plus Dodge & Cox International are fine if they are in your 401k, but the stock fund is value focused and won't perform as well in these strong bull market...
by sweeden22
Sun Jun 04, 2017 4:11 am
Forum: Personal Finance (Not Investing)
Topic: Teachers: what are your best personal finance tips?
Replies: 78
Views: 7616

Re: Teachers: what are your best personal finance tips?

2) Extra duties do not count in the defined benefit pension calculation, only base pay. Extra duties go into the Defined Benefit Supplement account, where the employee but not the employer, pays in 8% of earnings. This can be annuitized at retirement. The district does pay 8 percent into the supple...
by sweeden22
Sun Jun 04, 2017 4:05 am
Forum: Personal Finance (Not Investing)
Topic: Teachers: what are your best personal finance tips?
Replies: 78
Views: 7616

Re: Teachers: what are your best personal finance tips?

Yes, it is interesting how the pension numbers can change quite a bit by moving the retirement age just slightly. I played with the CalSTRS pension calculator and assumed the highest salary on the schedule when I retire will be the same as it is today (just for a crude estimate). Here are the month...
by sweeden22
Sat Jun 03, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Should I add a 4th fund or stick with what I have?
Replies: 16
Views: 1589

Re: Should I add a 4th fund or stick with what I have?

Are you going to have a pension in retirement? Unless you are trying to help stomach a crash, a pension can allow you to keep more of your money in equities than someone who relies solely on their own retirement accounts. Eventually that 2045 fund will start to increase bond exposure. You an check o...
by sweeden22
Sat May 20, 2017 6:15 am
Forum: Investing - Help with Personal Investments
Topic: please evaluate my portfolio, is it too risky
Replies: 13
Views: 1548

Re: please evaluate my portfolio, is it too risky

You will get plenty of recommendations. Many will have you consider adding some bonds and international exposure.

I would only say that if my portfolio, I would keep at least some of that PRIMECAP since it is now closed.
by sweeden22
Sat May 20, 2017 5:51 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity changed my AAPL to re-invest dividends, now I have a fraction of a share
Replies: 13
Views: 1266

Re: Fidelity changed my AAPL to re-invest dividends, now I have a fraction of a share

This happened to me with some of my Vanguard ETFs in Roth-IRA. I find the fractional shares in an ETF or stock to "look wrong." I have been tempted to do a buy/sell strategy to clean up my ETFs, sell and buy another ETF until Vanguard cleared out the fractional share and then buy back what...
by sweeden22
Sun May 14, 2017 4:09 am
Forum: Investing - Help with Personal Investments
Topic: 100% Total International (0% US equity) for new investor?
Replies: 36
Views: 2865

Re: 100% Total International (0% US equity) for new investor?

Some are excited about Europe and Emerging Markets right now, which you get good exposure to in your Total International fund. 50/50 seems plenty aggressive enough for international? Of my equities, I'm probably just 33 percent international and that has been a nice enough reward in the first months...
by sweeden22
Sun May 07, 2017 4:32 am
Forum: Investing - Help with Personal Investments
Topic: Aggressive index funds
Replies: 15
Views: 1805

Re: Aggressive index funds

The Odyssey Growth fund can be attractive as a portion of your portfolio. I plan to open an account with them soon too. Maybe 40% of my US Stocks I will put in the active Odyssey fund. I will leave 60% of US stocks passive, just my choice.

All the popular passive Vanguard options are great too!
by sweeden22
Wed May 03, 2017 7:37 am
Forum: Investing - Help with Personal Investments
Topic: Should I make changes to my portfolio ?
Replies: 47
Views: 6012

Re: Should I make changes to my portfolio ?

Portfolio seems pretty good to me. I think it is pretty nice to have the PRIMECAP funds!
by sweeden22
Wed May 03, 2017 7:31 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA
Replies: 8
Views: 764

Re: Roth IRA

You could always choose to do ETFs with your Roth IRA too. They are a lot more work to manage, but some of us get a kick out of buying them. They have really low expense ratios (as low as admiral shares). If you went that route, you could buy them in a ratio that makes since to you: Total Stock Mark...
by sweeden22
Wed May 03, 2017 7:27 am
Forum: Investing - Help with Personal Investments
Topic: Will REIT's Protect You From Inflation?
Replies: 22
Views: 2154

Re: Will REIT's Protect You From Inflation?

Long term, the graphs do not show too much benefit to REITs. However, I do have a small amount. If you follow a REIT ticker each day, you will see they do behave a bit differently. Not something you will probably gain too much from on the long term, but sometimes on an individual day, they keep my l...
by sweeden22
Sat Apr 22, 2017 4:34 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Tweaking?
Replies: 3
Views: 411

Re: Asset Allocation Tweaking?

How long until retirement? I believe it depends on how devasted you will be if the market took a hit? There are plenty here at your age who tilt more towards equity. Vanguard's own 2035 target portfolio puts only 20 percent in bonds, but it still varies person to person. Some do not want to see the ...
by sweeden22
Sat Apr 22, 2017 4:23 am
Forum: Personal Consumer Issues
Topic: 2017 Mazda CX-5 vs. 2017 Honda CRV
Replies: 17
Views: 3330

Re: 2017 Mazda CX-5 vs. 2017 Honda CRV

I drive a lot of cars when I travel. Mazda always makes a vehicle more engaging and fun to drive than the other Japanese brands. For me, a fun car to drive is a big deal. I would pick the Mazda for that reason. It is an aging generation and fuel economy is not so great, but Tiguan from Volkswagen is...
by sweeden22
Fri Apr 21, 2017 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Allocation
Replies: 8
Views: 1347

Re: Retirement Allocation

thank you all so much. Looks like I have work to do and a few changes to make.... The work advice was very good and the advice here excellent!! I am sure you did an acceptable job beforehand and now you get to tweak it. It is wonderful to hear of someone who went to Vanguard from the start than giv...
by sweeden22
Thu Apr 20, 2017 3:48 am
Forum: Investing - Help with Personal Investments
Topic: Wife's Money - 50K - Her Advisor vs My DIY - Help
Replies: 67
Views: 6133

Re: Wife's Money - 50K - Her Advisor vs My DIY - Help

What about a Vanguard target date fund? That might take some of her uneasiness to DIY away?
by sweeden22
Thu Apr 20, 2017 3:43 am
Forum: Investing - Help with Personal Investments
Topic: 29 Year old New Investor Needs help- Vanguard Index Funds
Replies: 47
Views: 4265

Re: 29 Year old New Investor Needs help- Vanguard Index Funds

If you don't make too much money to qualify for Roth IRA investment, that would be better than a regular account. Your contributions, but not earnings, could be removed at any time with no tax or penalty. The gains can usually be removed after 59 1/2 and then would never be taxed. You could set it ...
by sweeden22
Tue Apr 18, 2017 3:28 am
Forum: Investing - Help with Personal Investments
Topic: Wife's Money - 50K - Her Advisor vs My DIY - Help
Replies: 67
Views: 6133

Re: Wife's Money - 50K - Her Advisor vs My DIY - Help

I would also recommend a book like others suggested in the thread before you go back to the advisor. I am sure he/she makes you feel great now, but they might not later. They likely need to sell those insurance contracts for their own job/financial benefit. Why not work together with your spouse on ...
by sweeden22
Tue Apr 18, 2017 3:07 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford private school for my kids?
Replies: 67
Views: 5691

Re: Can I afford private school for my kids?

I have seen wonderful things in public schools. The diversity is massively beneficial too. Many in my family were public school teachers, they were passionate and loved teaching. They often had students come/go from private schools. I asked several times over the yeras if the private school students...
by sweeden22
Mon Apr 17, 2017 3:06 am
Forum: Personal Finance (Not Investing)
Topic: Help me decide pension benefits, single life, 50%, 75% and/or 100% survival benefits
Replies: 41
Views: 3106

Re: Help me decide pension benefits, single life, 50%, 75% and/or 100% survival benefits

Some benefits give you a more favorable factor when you elect your decision at first eligibility such as age 55. I have seen as much as a 10 percent difference, just a reminder for someone who finds the thread to check their own option factors. Of course, there is some risk deciding early too. I ten...
by sweeden22
Wed Apr 12, 2017 4:08 am
Forum: Investing - Help with Personal Investments
Topic: Help with Roth IRA
Replies: 6
Views: 650

Re: Help with Roth IRA

There's a minimum investment of $1000 required. They offer a range of diversified Target Date Retirement funds that only require a $1000 to open, so that's easy enough. This is accurate when looking at mutual funds. However, just in case someone ever stumbled upon this without $1000 to invest at op...
by sweeden22
Fri Apr 07, 2017 5:55 am
Forum: Investing - Help with Personal Investments
Topic: Which 500 Fund to Invest in.
Replies: 25
Views: 3041

Re: Which 500 Fund to Invest in.

Is this a taxable account? Right now it would not make up the higher expense ratio, but if the balance hits admiral shares one day, many often suggest the Vanguard funds do better with taxable accounts. If you want a better expense ratio from day one, you could buy the ETF (ticker VOO), Vanguard SP ...
by sweeden22
Fri Apr 07, 2017 5:38 am
Forum: Investing - Help with Personal Investments
Topic: Advice for 30yr old with limited knowledge-Calling all Bogleheads
Replies: 17
Views: 2224

Re: Advice for 30yr old with limited knowledge-Calling all Bogleheads

Not advice, but if my 401k, I would try to find the low and mid cap stocks with lower expense ratios. If none exist, I might go all in on the 500 index for my U.S. stocks portion. Likewise, on the bond funds, I would try to find bond funds with lower expense ratios, look for an index fund. As others...
by sweeden22
Sun Apr 02, 2017 3:52 am
Forum: Investing - Help with Personal Investments
Topic: planning in add one largecap on taxable, opinion on funds
Replies: 2
Views: 386

Re: planning in add one largecap on taxable, opinion on funds

If you wanted an ETF, study MGC. I like it because for a vanguard it is a bit more niche while still very similar to SP 500 returns thus far.
by sweeden22
Fri Mar 31, 2017 6:21 am
Forum: Investing - Help with Personal Investments
Topic: Schwab offering .03% ER
Replies: 75
Views: 3920

Re: Schwab offering .03% ER

There are advantages to Schwab if you are a knowledgeable investor. -Really low expense ratio on those several index funds -$0 Minimum to get that expense ratio (also easy for even the smallest investor to get started with small monthly contribution) -Availability of a nice checking account Disadvan...
by sweeden22
Sun Mar 19, 2017 6:27 am
Forum: Investing - Help with Personal Investments
Topic: Am I Addicted [to contribute to my taxable account]
Replies: 57
Views: 7087

Re: Am I Addicted

It makes sense to me. I feel the same way. If I know I am going to be getting some extra pay, I plan on the contribution!

Honestly, it is much better than having an urge to buy something.
by sweeden22
Thu Mar 16, 2017 5:23 am
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 9681

Re: Do you avoid international investing like Jack Bogle?

I am at 20% international. However, I tend to agree with Bogle and Buffet on this. There are some great places to visit and explore in the world, but the U.S. market is special. I may begin to dial back that 20 percent or least start putting more into Total Stock Market or S&P 500 which will beg...
by sweeden22
Fri Nov 18, 2016 6:54 am
Forum: Investing - Help with Personal Investments
Topic: Feels Impossible to Invest with HSA in California?
Replies: 12
Views: 2178

Feels Impossible to Invest with HSA in California?

These past few months I have had a HSA, which I put the max amount in each month. Sadly, I am in California which makes the investing difficult. The bank is Optum, and I'm under an odd program with pretty much only expensive Wells Fargo funds. The only decent one is one S&PF Index that has expen...