Search found 115 matches

by HuckFinn
Fri Jan 15, 2021 11:09 am
Forum: Personal Investments
Topic: Rollover to Roth - To convert or not to convert. Health Care subsidy consideration
Replies: 9
Views: 723

Re: Rollover to Roth - To convert or not to convert. Health Care subsidy consideration

So, you figured out that ACA subsidies and Roth conversions conflict with other! (For ACA, you need to keep a low income, while Roth conversions give you a high income.) Instead of trying to seek a balance in both of them each year, consider doing a few years focused on Roth conversions, followed b...
by HuckFinn
Fri Jan 15, 2021 1:48 am
Forum: Personal Investments
Topic: Rollover to Roth - To convert or not to convert. Health Care subsidy consideration
Replies: 9
Views: 723

Rollover to Roth - To convert or not to convert. Health Care subsidy consideration

Married, filing jointly. Husband and Wife 52 years old and retired from full time careers. No children. We have a large portion of our retirement money in our Rollovers that we were hoping to shift into Roth during our early retiree years. However, when the affordable health care act occurred this c...
by HuckFinn
Fri Jan 01, 2021 11:09 pm
Forum: Personal Investments
Topic: Need to Re Balance....it's tough!!
Replies: 25
Views: 2059

Re: Need to Re Balance....it's tough!!

I have an Investment Policy Statement that requires me to only rebalance at certain thresholds (in theory...) That said, my mind jumps all over with "maybe I should" scenarios. I'll tell you a trick I've been playing on myself that has generally been working. I hope I can explain this clea...
by HuckFinn
Fri Jan 01, 2021 12:18 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3100
Views: 1951389

Re: The Three-Fund Portfolio

It took a long time to convert to a truly three-fund portfolio which we accomplished in the fall of 2020. We could have done it years ago but we dabbled with different bond funds, dabbled with different sector funds, traded a few stocks. To our credit 90% of our portfolio has been "basic Bogleh...
by HuckFinn
Tue Dec 22, 2020 2:14 pm
Forum: Forum Issues and Administration
Topic: Using Acronyms
Replies: 36
Views: 1271

Re: Am I the only non-fan of FOOUA?

TNWoods wrote: Tue Dec 22, 2020 2:09 pm OP,

ITA.

OYCFOWTOPMBISAPITA.

TNWoods
"Or you can find out what the OP means by internet searching although pain in the ass." (I think I'm close :D )
by HuckFinn
Tue Dec 22, 2020 2:01 pm
Forum: Forum Issues and Administration
Topic: Using Acronyms
Replies: 36
Views: 1271

Am I the only non-fan of FOOUA?

[Thread merged into here, see below. --admin LadyGeek] An unusual post for me and I hope it does not sound like a rant as it is not that serious but do any other Bogleheads get frustrated by FOOUA ? I feel like I can't be the only Boglehead that logs on each day and finds that for every ten minutes...
by HuckFinn
Wed Dec 09, 2020 6:46 pm
Forum: Personal Investments
Topic: Can this early retiree contribute to an HSA (Health Savings Account)?
Replies: 8
Views: 492

Re: Can this early retiree contribute to an HSA (Health Savings Account)?

My wife and I are each 52 years old and retired from our career jobs. My wife works part time. Much of her salary is contributed to our IRA's. (Roth or Traditional depending on the circumstances that year) We purchase our health insurance through the Affordable Health Care Act (the exchange). We ha...
by HuckFinn
Wed Dec 09, 2020 6:36 pm
Forum: Personal Investments
Topic: Can this early retiree contribute to an HSA (Health Savings Account)?
Replies: 8
Views: 492

Can this early retiree contribute to an HSA (Health Savings Account)?

My wife and I are each 52 years old and retired from our career jobs. My wife works part time. Much of her salary is contributed to our IRA's. (Roth or Traditional depending on the circumstances that year) We purchase our health insurance through the Affordable Health Care Act (the exchange). We hav...
by HuckFinn
Wed Nov 25, 2020 11:13 pm
Forum: Investing - Theory, News & General
Topic: Investment Policy Statement
Replies: 13
Views: 926

Re: Investment Policy Statement

With the market at an all time high I am pasting this here to check myself as I am pretty tempted to make a few tweaks to our asset allocation... ( AKA. .. Market Timing! ). The way I prevent this is by the last paragraph in my Investment Policy Statement: This statement will be reviewed whenever t...
by HuckFinn
Wed Nov 25, 2020 11:01 pm
Forum: Investing - Theory, News & General
Topic: Investment Policy Statement
Replies: 13
Views: 926

Re: Investment Policy Statement

My favorite IPS statement is that I have implemented a "cooling off" period of 30 days. I have to write a proposed change in the IPS and wait at least 30 days before making any changes. I am in the evaluation stage for a proposed change - contemplating switching to total stonk market inde...
by HuckFinn
Wed Nov 25, 2020 10:58 pm
Forum: Investing - Theory, News & General
Topic: Investment Policy Statement
Replies: 13
Views: 926

Re: Investment Policy Statement

OP, So what actual funds would you own? Does your IPS detail that level (e.g. VTI, VXUS, BND)? WoodSpinner Yes, VTI, VXUS and BND. Those are our Three Funds/ETF's we own... - Total US, Total International and Total Bond. The IPS doesn't label them but both my wife and I both recognize these three f...
by HuckFinn
Tue Nov 24, 2020 7:11 pm
Forum: Investing - Theory, News & General
Topic: Investment Policy Statement
Replies: 13
Views: 926

Re: Investment Policy Statement

Looks good. If international is 10-15% of 60% that's 6-9% of total. You may want to just do a two fund portfolio. You could also simplify to one fund if this is all in tax deferred accounts: Life Strategy Moderate Growth. That's been my thinking/dilemma for a while. We've slowly decumulated Interna...
by HuckFinn
Tue Nov 24, 2020 6:56 pm
Forum: Investing - Theory, News & General
Topic: Investment Policy Statement
Replies: 13
Views: 926

Re: Investment Policy Statement

Looks awesome to me. What will you change at age 60? Do you get a pension then and can go more aggressive? I am single and 70/30 and pretty much set up like you and I am pondering going more aggressive, but I need to sort out what to do about housing and when to retire. We might not change anything...
by HuckFinn
Tue Nov 24, 2020 4:51 pm
Forum: Investing - Theory, News & General
Topic: Investment Policy Statement
Replies: 13
Views: 926

Investment Policy Statement

With the market at an all time high I am pasting this here to check myself as I am pretty tempted to make a few tweaks to our asset allocation... ( AKA. .. Market Timing! ). ( We are presently age 52 and retired but occasionally work part time. ) Investment Plan Policy: 1) Maintain (60% Stock) - (40...
by HuckFinn
Tue Nov 17, 2020 12:17 am
Forum: Personal Finance (Not Investing)
Topic: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?
Replies: 124
Views: 6952

Re: What % of your Net Worth is Home Equity? What % is total value of RE relative to net worth?

I'll go a little further as I've been tempted to post a similar question out of curiosity. I'm a 3 Fund guy, our home is paid off. VTI [Total US Stock Index etf] - 46% of net worth BND [Total Bond Index etf] - 32% of net worth HOME - 14% of net worth VXUS [Total International Stock etf] - 7% of net ...
by HuckFinn
Wed Nov 11, 2020 11:14 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2048
Views: 251723

Re: So excited about reaching personal milestone and no one that I can tell.

Congratulations!
I used to share similar milestones with my Dad before he passed and I may have shared one or two here since.
Awesome x 3 + 1 !!!
by HuckFinn
Mon Nov 09, 2020 5:14 pm
Forum: Investing - Theory, News & General
Topic: Portfolio High Question
Replies: 11
Views: 797

Re: Portfolio High Question

We have a three fund portfolio but I enjoy the numbers.
by HuckFinn
Mon Nov 09, 2020 3:09 pm
Forum: Personal Investments
Topic: Can I retire at 49
Replies: 192
Views: 17465

Re: Can I retire at 49

I retired at age 39, my wife at 42. Little bit different situation being no children. One thing to keep in mind as you revisit your situation over time is that if you are unhappy, burned out and working that full-time career job is pure depression there is always a plan C... After retirement my wife...
by HuckFinn
Mon Nov 09, 2020 10:51 am
Forum: Investing - Theory, News & General
Topic: Portfolio High Question
Replies: 11
Views: 797

Re: Portfolio High Question

We have a three fund portfolio but I enjoy the numbers.
by HuckFinn
Mon Nov 09, 2020 10:35 am
Forum: Investing - Theory, News & General
Topic: Portfolio High Question
Replies: 11
Views: 797

Re: Portfolio High Question

No specific reason. I keep some simple charts on Excel for our portfolio and [Portfolio High] is one of the fields. Thanks.
by HuckFinn
Mon Nov 09, 2020 9:55 am
Forum: Investing - Theory, News & General
Topic: Portfolio High Question
Replies: 11
Views: 797

Portfolio High Question

For those that use ETF's do you calculate your portfolio high based on closing figures at the end of the day or if there is a surge (like this morning) and you record the numbers would you possibly consider that your portfolio high? Just curious... I'm guessing it might be individual preference but ...
by HuckFinn
Sat Oct 17, 2020 6:39 pm
Forum: Personal Investments
Topic: All in on VTSAX
Replies: 136
Views: 13558

Re: All in on VTSAX

Ours hasn't been a perfect decision but it's been a healthy one so far and one I might recommend to others considering abandoning International entirely. (In essence, it is a patient decline) Over the last 13 years we've gradually inched International down from about 40% in 2007 to 13.5% today. We'v...
by HuckFinn
Tue Sep 29, 2020 9:42 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3100
Views: 1951389

Re: The Three-Fund Portfolio

HuckFinn: Your new portfolio has many advantages: * Avoids wasted time, confusion and the possibility of mistakes trying to pick the best of thousands of mutual funds and ETFs. * Very diversified with over 15,000 worldwide securities (lower risk). * Very low expense ratios. * Very low (hidden) turn...
by HuckFinn
Mon Sep 28, 2020 8:11 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3100
Views: 1951389

Re: The Three-Fund Portfolio

We recently made a few small changes to the portfolio. We are now a Pure Three-Fund ( actually etf... ) portfolio! Taxable - VTI - Total Stock Market Index Fund - 49% of Portfolio Rollover IRA's (Husband and Wife combined) VXUS - Total International Stock Index - 8% of Portfolio BIV - Intermediate-...
by HuckFinn
Fri Sep 25, 2020 12:03 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3100
Views: 1951389

Re: The Three-Fund Portfolio

We recently made a few small changes to the portfolio. We are now a Pure Three-Fund ( actually etf... ) portfolio! Taxable - VTI - Total Stock Market Index Fund - 49% of Portfolio Rollover IRA's (Husband and Wife combined) VXUS - Total International Stock Index - 8% of Portfolio BIV - Intermediate-T...
by HuckFinn
Mon Sep 21, 2020 8:51 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 292
Views: 34064

Re: What is your overall portfolio weighted expense ratio

Just hit our all time low!!! .0004396 - Just under 4.4 basis points. :sharebeer This is for our total portfolio - a taxable account, two rollovers and two Roth accounts. All with Vanguard using only 4 ETF's - VTI, VXUS, BIV and VGT . VTI and BIV make up 90% of the portfolio. Thanks Vanguard!
by HuckFinn
Wed Sep 16, 2020 6:29 pm
Forum: Investing - Theory, News & General
Topic: Question for Microsoft Money users - Converting from Fund to ETF
Replies: 6
Views: 339

Re: Question for Microsoft Money users - Converting from Fund to ETF

Could you "remove shares" of VTSAX and then enter a buy of VTI with the purchase price being the cost basis per share? I did a couple practice runs trying the different methods. I tried to record it as a split but because I am converting it to the ETF I am ending up with less shares. It w...
by HuckFinn
Wed Sep 16, 2020 8:27 am
Forum: Investing - Theory, News & General
Topic: Question for Microsoft Money users - Converting from Fund to ETF
Replies: 6
Views: 339

Re: Question for Microsoft Money users - Converting from Fund to ETF

Can you "remove shares" as to the mutual fund and "add shares" as to the ETF? I'm guessing you could but I doubt the gains would carry over (which I would like). There's really not a "back button" or "undo" on Microsoft Money so I may just backup first then t...
by HuckFinn
Wed Sep 16, 2020 8:08 am
Forum: Investing - Theory, News & General
Topic: Question for Microsoft Money users - Converting from Fund to ETF
Replies: 6
Views: 339

Question for Microsoft Money users - Converting from Fund to ETF

I recently upgraded to a brokerage account for our taxable holdings. We only own one fund in this account - VTSAX (Total Stock Market Index). We have significant unrealized long term gains in this account. These shares will convert to ETF shares this evening. In speaking with Vanguard this is not a ...
by HuckFinn
Wed Sep 02, 2020 8:43 pm
Forum: Investing - Theory, News & General
Topic: How important this forum has been to our family.
Replies: 13
Views: 1965

How important this forum has been to our family.

I just came across our portfolio from 2007. My wife and I had 18 different funds. Our portfolio was terribly tax inefficient and an overly complicated mess that was heavy on emerging markets, energy and value - (It's posted below this message) We stumbled on the old Bogleheads Forum at that time see...
by HuckFinn
Sat Aug 29, 2020 10:42 am
Forum: Personal Investments
Topic: Early retiree seeking long term bond strategy input
Replies: 5
Views: 842

Early retiree seeking long term bond strategy input

Age 51. Retired. No debt. Presently living expenses are met from money held in taxable account which is 100% VTSAX (Vanguard Total Stock MarketFund). Annual Living expenses are 4% of the balance in that taxable account. (Example... if balance was $1 million our expenses are $40,000) Our Taxable acco...
by HuckFinn
Mon Jul 27, 2020 6:48 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3404
Views: 571397

Re: What are you up YTD? [Year To Date]

+ 2.82% YTD Allocation - 61.5% Stock/ 38.5% Bond Domestic vs Foreign Stock - 90% US - 10% INT'L - 80% Of stock owned is in VTSAX - Total US Stock Mkt Index Fund. 10% Of stock is in VITAX - Information Technology Fund 7.5% of Stock is in VXUS - Total International Stock ETF 2.5% Of stock owned is in...
by HuckFinn
Tue Jul 07, 2020 1:13 pm
Forum: Personal Investments
Topic: Alternatives to Bond Index Funds
Replies: 16
Views: 1296

Re: Alternatives to Bond Index Funds

Vanguard Intermediate-Term Investment Grade - VFIDX was a fine choice for me for many years. That said I am presently 100% Intermediate-Term Bond Index VBILX (which is about 50% Corporate and 50% Gov't. If you review the 3,5, and 10 year returns on these two funds there is not too much difference. ...
by HuckFinn
Wed Jul 01, 2020 7:40 pm
Forum: Personal Investments
Topic: 19 Year Time frame Fixed Income - VBILX?
Replies: 5
Views: 557

19 Year Time frame Fixed Income - VBILX?

We've been perusing a lot of topics on this forum about fixed income. We are a 51 year old retired couple. We maintain a balanced portfolio with 40% of our portfolio in Vanguard bond funds. If all goes well we should not need to touch our fixed income assets until we have to pull them out due to req...
by HuckFinn
Tue Jun 02, 2020 6:32 pm
Forum: Personal Investments
Topic: Which budgeting software do you use ?
Replies: 66
Views: 3895

Re: Which budgeting software do you use ?

Microsoft Money. I think we've used it for 25 years. Easily one of the best decisions we've made in our lifetime. It truly changed our understanding of how to rationally deal with facts to stay prepared and prosper. I have absolutely no idea how one can survive without personal financial software. F...
by HuckFinn
Tue May 26, 2020 11:51 pm
Forum: Investing - Theory, News & General
Topic: How to avoid tinkering?
Replies: 43
Views: 2652

Re: How to avoid tinkering?

You don't see this too often but I'll share what works for me even if its a little contrarian. I've been investing for 30 years and have been a pretty devout Boglehead for... maybe 12 years - which has been the smartest move I've ever made! That said "doing nothing" can be a struggle at ti...
by HuckFinn
Wed May 06, 2020 6:22 pm
Forum: Personal Investments
Topic: Please help me get out of international
Replies: 64
Views: 3684

Re: Please help me get out of international

I currently hold 12% of my portfolio in total international stocks. I did it just because I felt I had to, but the more I think about it, the more I realize I just don't think the international market is going to outperform America in the long term. My current allocation is 78/12/10 with the 78 in ...
by HuckFinn
Fri Apr 03, 2020 1:45 am
Forum: Investing - Theory, News & General
Topic: We've decided to thank US Businesses by investing 100% Domestic
Replies: 21
Views: 1666

We've decided to thank US Businesses by investing 100% Domestic

My wife and I have much to be thankful for. We both had career opportunities that afforded us with some frugality and much assistance from the Bogleheads to retire early. We know this is an extremely difficult time around the globe. Without prejudicing what is happening outside the United States we ...
by HuckFinn
Thu Mar 12, 2020 6:10 pm
Forum: Investing - Theory, News & General
Topic: [Bond ETFs Face Toughest Liquidity Test Yet 3/12/20]
Replies: 42
Views: 2680

Re: BND Down 5.44% but VBTLX down just .96%

Caduceus wrote: Thu Mar 12, 2020 6:07 pm I've never owned either, but why not just buy BND then? Wouldn't it be basically like a guaranteed 4.5% return when things return to normal?
That's a string of logic I came to as well.
by HuckFinn
Thu Mar 12, 2020 5:54 pm
Forum: Investing - Theory, News & General
Topic: [Bond ETFs Face Toughest Liquidity Test Yet 3/12/20]
Replies: 42
Views: 2680

[Bond ETFs Face Toughest Liquidity Test Yet 3/12/20]

[Title was "BND Down 5.44% but VBTLX down just .96%", see below. --admin LadyGeek] Noticed this when I updated my numbers and saw the topic brushed on in another thread but how can this happen? BND (ETF) - $80.33 - Down 5.44% VBTLX (Admiral Fund) - $11.29 - Down .96% today. How can this h...
by HuckFinn
Wed Jan 08, 2020 2:22 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2048
Views: 251723

Re: Reached a milestone

Nice post and congratulations RandomPointer ! :sharebeer I strongly relate to the gratitude you expressed to the people on this forum. Many years ago Taylor Larimore responded to a post I submitted under a previous user name where I was soliciting assistance on my portfolio. His response was "I...
by HuckFinn
Wed Jan 01, 2020 10:46 pm
Forum: Personal Investments
Topic: VG Rate of Return on VG website - correct today only...
Replies: 0
Views: 255

VG Rate of Return on VG website - correct today only...

We have our entire portfolio under Vanguard; a taxable account, Rollover IRA's and Roth's. It is all condensed. We track our rate of return on Microsoft Money. For the last few years we have noticed that if you log into Vanguard on January 1st you can actually get a pretty good, legitimate Rate of R...
by HuckFinn
Sat Nov 02, 2019 1:42 am
Forum: Personal Investments
Topic: Vanguard Information Technology - VGT or VITAX
Replies: 80
Views: 20644

Re: Vanguard Information Technology - VGT or VITAX

I really like the fund and believe this sector is a part of the reason that the US economy performs so well. The Boglehead in me has approached it with a bit of caution as I really try to stick with a 3-4 fund portfolio to maintain my discipline. That said... I was 20% International equities begrudg...
by HuckFinn
Fri Oct 04, 2019 9:36 am
Forum: Personal Investments
Topic: Stellar Bond Fund Returns - What does this mean?
Replies: 13
Views: 1412

Re: Stellar Bond Fund Returns - What does this mean?

Thank you for the feedback. Very helpful and appreciated.
by HuckFinn
Thu Oct 03, 2019 11:37 pm
Forum: Personal Investments
Topic: Stellar Bond Fund Returns - What does this mean?
Replies: 13
Views: 1412

Stellar Bond Fund Returns - What does this mean?

OK... I've never enjoyed my bond funds but I do see their value as a ballast and have accepted there is a necessity for them in our portfolio. We have just about 37% of our entire portfolio in two bond funds: VBTLX - Total Bond Market VCIT - Intermediate Term Corporate ETF I read commentary about pe...
by HuckFinn
Sun Sep 22, 2019 1:55 am
Forum: Personal Finance (Not Investing)
Topic: Best way to track / categorize spending?
Replies: 35
Views: 2183

Re: Best way to track / categorize spending?

if you don't want to use online service but track your income and spending manually Microsoft money still works, I've been using it since windows 98 was out. You do have to manually enter each income and expense so it can be a bit labor intensive if you have a lot of accounts/daily expenses but it ...
by HuckFinn
Sat Sep 21, 2019 2:25 am
Forum: Personal Finance (Not Investing)
Topic: Best way to track / categorize spending?
Replies: 35
Views: 2183

Re: Best way to track / categorize spending?

if you don't want to use online service but track your income and spending manually Microsoft money still works, I've been using it since windows 98 was out. You do have to manually enter each income and expense so it can be a bit labor intensive if you have a lot of accounts/daily expenses but it ...
by HuckFinn
Mon Sep 02, 2019 9:57 pm
Forum: Personal Investments
Topic: What two funds would you use to make your own version of the Wellington that would have around the same returns?
Replies: 19
Views: 2505

Re: What two funds would you use to make your own version of the Wellington that would have around the same returns?

Interesting post. I often use Wellington as my performance benchmark and keep a close eye on the Fixed income characteristics as I struggle with bond choices. If I absolutely had to try to use only two funds I would go with: Total Stock Market Index Fund - (VTSAX) - 65% Intermediate Term Investment ...
by HuckFinn
Thu Jul 25, 2019 11:15 pm
Forum: Personal Investments
Topic: Finally settled on an allocation.
Replies: 3
Views: 526

Re: Finally settled on an allocation.

I agree with David Jay - An IPS (Investment Policy Statement) is a really great tool. I am 65% Stock 35% Bond. If a market fluctuation causes my portfolio to tilt 5% one way or the other it forces me to re-balance. Last December when the market took a hit I got down to 61% stock and was hoping the m...