Search found 410 matches

by aj76er
Mon Jan 15, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 276
Views: 22266

Re: Year 2000 retirees using the '4% rule' - Where are they now?

Perhaps I missed it, but with all the talk of using 4-5% of yearly portfolio balance, is there any backtesting on this approach? How well did it hold up? I understand that the portfolio balance can never go to zero with this method, but how did the annual payouts hold up over time? How did the portf...
by aj76er
Thu Jan 11, 2018 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 4306

Re: Help me stop my addiction to stock market peeping!

I was recently checking "the market" multiple times a day; then I had to get a new phone; I have not reinstalled the yahoo finance app. As a result, I have not looked in a few weeks and it feels good :). My long-term goal is to check and possibly rebalance every 6 months moving forward. I check bogl...
by aj76er
Thu Jan 11, 2018 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??
Replies: 70
Views: 5292

Re: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??

You'll like what jcollins has to say on this topic :)

http://jlcollinsnh.com/2014/06/10/stock ... llocation/

And thank you for your service!
by aj76er
Thu Jan 11, 2018 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??
Replies: 70
Views: 5292

Re: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??

Only holding U.S. Stocks (VTSAX) + U.S. Fixed income (in your case, a pension) is a Bogle-approved portfolio. If you stay the course, you will be fine. Most would recommend a dollop of International Stocks (VTIAX), but it is not strictly necessary.
by aj76er
Thu Jan 11, 2018 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to downsize but still too much stuff
Replies: 49
Views: 4370

Re: Trying to downsize but still too much stuff

Nice to see other like-minded individuals here; I think we are a minority :). My last move got me down to about 20 boxes, give or take and my long term goal is to reduce down to 100 items (not boxes, but items!). I really love living a minimal lifestyle, both in terms of de-clutter and a small/manag...
by aj76er
Wed Jan 10, 2018 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: STCG distributions in Fidelity Total Stock Market fund!?
Replies: 10
Views: 540

Re: STCG distributions in Fidelity Total Stock Market fund!?

^ yep, you should read through the other threads :)
But here's the summary: "use ITOT ETF at Fidelity"
by aj76er
Wed Jan 10, 2018 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with a 25 million windfall?
Replies: 47
Views: 2698

Re: What would you do with a 25 million windfall?

Vanguard tax-managed balanced fund. Live off the dividends+interest. Put my existing 401k into a target date fund with the plan of converting to an annuity later in life or donating to charities (via QCD withdrawals). Put existing Roth into total world stock fund with the plan of donating or passing...
by aj76er
Tue Jan 09, 2018 11:58 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Dilemma: Fidelity Mutual vs Vanguard ETF
Replies: 12
Views: 970

Re: Taxable Dilemma: Fidelity Mutual vs Vanguard ETF

See the recent conversation in this thread:

viewtopic.php?f=1&t=237005&newpost=3711 ... ead#unread

I think it deals with some of the tax efficiency issues you are asking about
by aj76er
Tue Jan 09, 2018 7:47 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 276
Views: 22266

Re: Year 2000 retirees using the '4% rule' - Where are they now?

Interesting analysis, willthrill81. Here's another interesting tidbit. Over this period, with the starting portfolio in the OP, whether the retiree rebalanced their portfolio or not made a sizable difference. With annual rebalancing: $982,518 (nominal) Without rebalancing: $831,923 (nominal) Over t...
by aj76er
Mon Jan 08, 2018 11:32 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 276
Views: 22266

Re: Year 2000 retirees using the '4% rule' - Where are they now?

Interesting. I wonder what it would look like with a 3% withdrawal instead of 4%. Ask and you shall receive. :D https://i.imgur.com/vvWn0CD.jpg Had a 3% withdrawal rate been used instead, as of 12/31/2017, the inflation-adjusted remaining portfolio would have been worth $948,819 ($1,390,637 nominal...
by aj76er
Mon Jan 08, 2018 11:26 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 276
Views: 22266

Re: Year 2000 retirees using the '4% rule' - Where are they now?

Interesting. I wonder what it would look like with a 3% withdrawal instead of 4%. Ask and you shall receive. :D Excellent, thanks! One thing to note is that bonds had mostly better returns during that period than expected going forward. I'm wondering how different the results would be if bonds were...
by aj76er
Mon Jan 08, 2018 11:20 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 276
Views: 22266

Re: Year 2000 retirees using the '4% rule' - Where are they now?

Just to make sure I understand the methodology... 3% of initial portfolio balance ($1m) is $30,000. Based on this starting point, the withdrawal sequence looks like the following: Year 0: $30,000 Year 1: $30,000 * (1 + CPI_1) Year 2: ($30,000 * (1 + CPI_1)) * (1 + CPI_2) ... Where CPI_1 is year 1 in...
by aj76er
Mon Jan 08, 2018 2:47 pm
Forum: Investing - Theory, News & General
Topic: Living on Dividends and Interest
Replies: 19
Views: 2573

Re: Living on Dividends and Interest

This would be equivalent to a very low withdrawal rate from the portfolio. At today's rates, something between 2% and 2.5% (depending on ratios held of stocks/bonds and US/Intl). Nothing wrong with that, except it is a bit overly conservative. Most here would recommend a 3% or 3.5% safe withdrawal r...
by aj76er
Mon Jan 08, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: Memo to those who have won the game: it's time to quit playing
Replies: 210
Views: 17548

Re: Memo to those who have won the game: it's time to quit playing

Not having children can actually be a very serious problem in old age unless you have some other relatives that you can trust at that point - maybe nieces and nephews if you have a relationship with them. Under this situation, then one can pay 75bps (or perhaps a little more, depending on AUM) for ...
by aj76er
Mon Jan 08, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Life at a crossroad: seeking advice
Replies: 54
Views: 6633

Re: Life at a crossroad: seeking advice

Look into the FIRE movement and the various blogs that cater to it. If you can get to a minimal FI state before quitting, then you will be better off. This will also, most likely, require living on a minimal budget; in essence "living like an artist". It will also reveal if that is a lifestyle that ...
by aj76er
Mon Jan 08, 2018 12:36 am
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 3648

Re: Best Phone Plan for 1 person

FYI, there should be a link for this (initiate a trade-in) near the top of your projectFI dashboard when you log in...
by aj76er
Mon Jan 08, 2018 12:35 am
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 3648

Re: Best Phone Plan for 1 person

I switched from TMO to Google Fi about 18 months ago. I'm happy with the service. Setup was easy, and it only took about 10 minutes to transfer my number. I spend most of my life on wifi and pre-download Google Maps when I travel, so my data usage is generally a couple hundred megs a month and so m...
by aj76er
Mon Jan 08, 2018 12:31 am
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 3648

Re: Best Phone Plan for 1 person

ForeverInvestorILL wrote:
Sun Jan 07, 2018 11:39 pm
aj76er wrote:
Sun Jan 07, 2018 11:09 pm
The Wizard wrote:
Sun Jan 07, 2018 8:50 pm
Try Google's project Fi...
+1
Random question but is the $20 referral code still live? Would consider adding that if I went with Project Fi.
Sent you a PM
by aj76er
Mon Jan 08, 2018 12:23 am
Forum: Investing - Theory, News & General
Topic: Ratio of USA stocks to closely approximate a "Total World Stock Index" using only two Fidelity funds (TSM & TISM)
Replies: 4
Views: 351

Re: Ratio of USA stocks to closely approximate a "Total World Stock Index" using only two Fidelity funds (TSM & TISM)

In the end, +/1% difference in US/ex-US ratio ain't gonna make that much of a difference. Most peoples rebalancing bands are wider than that. If you still yearn for a precise ratio, then have a look at this thread: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=225619&p=3491337#p3491337 It us...
by aj76er
Mon Jan 08, 2018 12:12 am
Forum: Investing - Theory, News & General
Topic: Memo to those who have won the game: it's time to quit playing
Replies: 210
Views: 17548

Re: Memo to those who have won the game: it's time to quit playing

Not having children can actually be a very serious problem in old age unless you have some other relatives that you can trust at that point - maybe nieces and nephews if you have a relationship with them. Under this situation, then one can pay 75bps (or perhaps a little more, depending on AUM) for ...
by aj76er
Sun Jan 07, 2018 11:09 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 3648

Re: Best Phone Plan for 1 person

The Wizard wrote:
Sun Jan 07, 2018 8:50 pm
Try Google's project Fi...
+1
by aj76er
Sat Jan 06, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Having trouble deciding on 401k employee deferral or Roth deferral at new job
Replies: 8
Views: 430

Re: Having trouble deciding on 401k employee deferral or Roth deferral at new job

Without doing a lot of math, the general premise is that today's dollars are worth more than future dollars (due to inflation, ability to compound, etc..). Thus, it is generally preferred that you save money today on your taxes by contributing to the Traditional 401k, which will have a bigger impact...
by aj76er
Sat Jan 06, 2018 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Fidelity Account - FSTVX vs ITOT
Replies: 53
Views: 3376

Re: Taxable Fidelity Account - FSTVX vs ITOT

I spent a lot of time thinking about this as well, and a few years ago decided to use VTI in my taxable at Fidelity. Initially, I had free trades and made a lot of purchases (DCA into the market). Moving forward in 2018 and beyond, it will cost me $4.95 to purchase. To limit the impact of commission...
by aj76er
Fri Jan 05, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm vs Geico
Replies: 67
Views: 4478

Re: State Farm vs Geico

Last year, I switched auto ins. from State Farm to Geico for about 50% savings. I kept my home insurance through State Farm, however, because the coverage was better for about the same cost. Amica and USAA were rated very highly last year, so I may consider switching to them for home owners this year.
by aj76er
Fri Jan 05, 2018 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: As a German: Should I go 100% US stocks?
Replies: 50
Views: 3258

Re: As a German: Should I go 100% US stocks?

Read these, which were written by forum member Saimond: https://finpage.blog/2017/03/18/investing-in-the-world-part-1/ https://finpage.blog/2017/03/25/investing-in-the-world-part-2/ https://finpage.blog/2017/03/25/investing-in-the-world-part-3/ They are best articles and research I've read on domest...
by aj76er
Fri Jan 05, 2018 12:34 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 140
Views: 7766

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

2981.36

Fundamentals are strong ... the bull keeps running ...
by aj76er
Thu Jan 04, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Can no longer invest in Vanguard admiral funds in Chase account. Suggestions?
Replies: 24
Views: 1234

Re: Can no longer invest in Vanguard admiral funds in Chase account. Suggestions?

Those are correct. VXUS is generally considered "better" as it is more complete (ie. contains small caps). Thanks! I also have a Solo 401K with Fidelity. Anyone know what Fidelity would charge to buy Vanguard ETF's or Mutual Funds within Fidelity? I currently hold Fidelity Mutual funds, but prefer ...
by aj76er
Thu Jan 04, 2018 2:31 pm
Forum: Investing - Theory, News & General
Topic: How long will Ishares etfs be commission free at Fidelity?
Replies: 11
Views: 1202

Re: How long will Ishares etfs be commission free at Fidelity?

I use the iShares ETFs in my tax-advantaged accounts, where I don't really care if I have to sell them down the road when Fidelity stops providing them commission-free (seems inevitable to me). In taxable, I just pay $5 every few months to buy my preferred Vanguard ETF (VT). I looked into Merrill E...
by aj76er
Thu Jan 04, 2018 2:04 am
Forum: Investing - Help with Personal Investments
Topic: Can no longer invest in Vanguard admiral funds in Chase account. Suggestions?
Replies: 24
Views: 1234

Re: Can no longer invest in Vanguard admiral funds in Chase account. Suggestions?

Those are correct. VXUS is generally considered "better" as it is more complete (ie. contains small caps). Thanks! I also have a Solo 401K with Fidelity. Anyone know what Fidelity would charge to buy Vanguard ETF's or Mutual Funds within Fidelity? I currently hold Fidelity Mutual funds, but prefer ...
by aj76er
Wed Jan 03, 2018 9:46 pm
Forum: Investing - Theory, News & General
Topic: Before buying gold, have a look at these returns since 1975
Replies: 84
Views: 6518

Re: Before buying gold, have a look at these returns since 1975

Consider the case of Frau Müller. 1 German Empire. Baby Müller was born in 1900 in Dresden, Sachsen. Fräulein Müller grew up as a citizen of das Deutsches Kaiserreich, the German Empire under Kaiser Wilhelm II. Unfortunately, in 1914 Germany got into a world war, which they lost, ending the German ...
by aj76er
Wed Jan 03, 2018 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Aggressive investing in Roths.
Replies: 12
Views: 1172

Re: Aggressive investing in Roths.

Appropriate target date funds would be good if they want to remain hands-off.
by aj76er
Wed Jan 03, 2018 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Can no longer invest in Vanguard admiral funds in Chase account. Suggestions?
Replies: 24
Views: 1234

Re: Can no longer invest in Vanguard admiral funds in Chase account. Suggestions?

Those are correct.
VXUS is generally considered "better" as it is more complete (ie. contains small caps).
by aj76er
Wed Jan 03, 2018 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Age In Bonds after 65 with 25X, 35X, 50X ??? Your Approach?
Replies: 35
Views: 2815

Re: Age In Bonds after 65 with 25X, 35X, 50X ??? Your Approach?

I think at a certain asset level and time horizon, it makes sense to split the portfolio into two: an LMP and a RP. LMP: TIPs ladder with X expenses + Social Security + Annuities + Pensions + I-Bonds (EE-bonds and/or CDs could also be used here) RP: Any combination of equities + bonds + cash + real ...
by aj76er
Mon Jan 01, 2018 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: My 2017 Budget
Replies: 35
Views: 3824

Re: My 2017 Budget

Thanks for sharing. I assume you're single? You've inspired us to share our 2017 spending (55K). Couple, retired early, live in a high cost area, own our home, and spend 3 months a year away traveling in the south. Quicken summary numbers: Health Ins $10,572.00 Property Tax $6,300.00 Groceries $5,5...
by aj76er
Mon Jan 01, 2018 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: My 2017 Budget
Replies: 35
Views: 3824

Re: My 2017 Budget

Very proud to be frugal yet happy on a modest budget in a high COLA. My company pays for phone and most of medical, that helps quite a bit. In 2018 I have cancelled my natural gas account: it was running about $25 a month for something I rarely used. ($15 bowls of pasta at that rate!) In exchange f...
by aj76er
Mon Jan 01, 2018 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: My 2017 Budget
Replies: 35
Views: 3824

Re: My 2017 Budget

Home Internet is $10 per month? Are you still holding onto those free AOL CDs? :wink: I went 6 months without a home internet. I used a combination of tethering on my phone (free with google FI) and visiting coffee shops/Public Library. All my DVDs and Books come from the Library, which I can walk ...
by aj76er
Mon Jan 01, 2018 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: My 2017 Budget
Replies: 35
Views: 3824

Re: My 2017 Budget

Wow. Some of those things look like my monthly budget! :D Out of curiosity, how did you keep you rent so low? What is your 2018 budget now that you seem to be a homeowner? I moved into a shared housing situation for the first 4months of the year. It was quite the experience :). My monthly rent was ...
by aj76er
Mon Jan 01, 2018 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: My 2017 Budget
Replies: 35
Views: 3824

Re: My 2017 Budget

This is an amazing budget. Thanks! It is the result of 2 years of *very* deliberate and concentrated effort :). And I *still* have some slack in it! I am surprised you spent that much on tax prep. Are you running a side business on top of your regular job? Sort-of; I owned/managed a few rental unit...
by aj76er
Mon Jan 01, 2018 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: My 2017 Budget
Replies: 35
Views: 3824

My 2017 Budget

Over the past few years, I've been actively trying to reduce my costs and thought I would post my 2017 budget, which some folks may find interesting. This is not really meant to be an actionable thread, but I'm pretty proud of getting my cost of living so low :shock: and just wanted to share :D My t...
by aj76er
Mon Jan 01, 2018 8:02 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 222
Views: 37249

Re: Bonds - Throw it all on the table!!!

1) List the bond funds, individual bonds, CD's, etc. that you invest in * Vanguard Total Bond Market Fund Institutional Class * Ally 11-month no-penalty CDs * I-Bonds 2) In which account what fixed income securities are held * TBM fund is held in 401k 3) Allocation as a percentage of Fixed Income O...
by aj76er
Mon Jan 01, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 30783

Re: Ally Bank 11 month [No-Penalty CD]

Just rolled my 2 11mo no-penalty CDs into the new 1.75% rate. Thanks for the heads-up that this could be done today (I was planning on doing this tomorrow). Everything worked smoothly via the website by using my Ally savings account as the conduit. These no-penalty CDs are great products, and Ally c...
by aj76er
Thu Dec 28, 2017 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: is using HSA as investment vehicle worth the trouble?
Replies: 50
Views: 4191

Re: is using HSA as investment vehicle worth the trouble?

I keep the required amount in cash ($2000) and invest the rest in an S&P500 fund. I pay for co-pays and out-of-pocket expenses from the cash balance (via debit card). Then once or twice a year I log in and invest any excess cash. The only optimization I've done is to pay out-of-pocket with a points ...
by aj76er
Tue Dec 26, 2017 11:43 pm
Forum: Investing - Help with Personal Investments
Topic: Mega back door roth
Replies: 4
Views: 792

Re: Mega back door roth

If you plan on working until 59.5 or later, then the mega back door Roth may be better. When you leave your company, the after tax contributions will get split into a Roth account and no extra taxes will be due. If you want to retire early or have gaps in your work prior to 59.5, then a taxable acco...
by aj76er
Sat Dec 23, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 30783

Re: Ally Bank 11 month [No-Penalty CD]

I currently have two 11 month Ally CD's at the old 1.5% offer and would like to roll these into new 1.75% CD's. Does anyone know if Ally does Credit bureau and/or Chex inquiries for this?
by aj76er
Thu Dec 14, 2017 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: 2018 or 2008 redux
Replies: 6
Views: 644

Re: 2018 or 2008 redux

I guard against this by maintaining a 3yr emergency fund and a low cost of living.

We can only reasonably guard against so much ...
by aj76er
Tue Dec 12, 2017 1:24 am
Forum: Investing - Help with Personal Investments
Topic: Wellesley as an alternative to CDs and money market?
Replies: 8
Views: 983

Re: Wellesley as an alternative to CDs and money market?

If it's more than a few years out, then I-bonds could be a consideration. There is a $10k annual contribution limit per SSN and they are illiquid the first year. Because we are at the end of the year, you could add $10k this month and $10k next month. Currently, I-Bonds are yielding 2.58% Note: If s...
by aj76er
Sun Dec 10, 2017 2:31 am
Forum: Investing - Theory, News & General
Topic: TSM vs High Dividend Yield if I never choose to sell?
Replies: 36
Views: 2421

Re: TSM vs High Dividend Yield if I never choose to sell?

You could look into Vanguard's Dividend Growth Fund. Looks like the mutual fund may be closed to new investors, but the ETF (VIG) should still be available. A total market fund, or an S&P, or a dividend growth fund should all experience dividend growth over time. With a growth-oriented fund, like to...
by aj76er
Sun Dec 10, 2017 12:15 am
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 61
Views: 2553

Re: What MPG App Do You Use To Track Fuel Usage ?

I use a simple google sheets spreadsheet and I track the mileage with the car's trip odometer (which I reset after each fill up).
I can access google drive on my phone, so I'll take a few minutes after each fill up and add the entry (date, miles driven, gallons used).
by aj76er
Fri Dec 08, 2017 10:19 pm
Forum: Investing - Theory, News & General
Topic: Valuation of EE Savings Bonds
Replies: 88
Views: 11442

Re: Valuation of EE Savings Bonds

In thinking about safe, non-marketable investments I have recently converted my mental model to use separate "Liability Matching Portfolio" (LMP) and "Risk portfolio" (RP) concepts. This is a change from lumping the assets under "fixed-income" portion of a single portfolio. I can tell you that this ...