Search found 446 matches

by aj76er
Tue Feb 20, 2018 1:02 am
Forum: Personal Consumer Issues
Topic: Expat Living
Replies: 25
Views: 2692

Re: Expat Living

I'm still working, but a few years ago did some serious research into moving to Costa Rica. International Living (the magazine) sponsors living abroad seminars, which you may want to look into. In our case, I saw the seminar for Costa Rica, but found a free two day seminar that was held monthly in ...
by aj76er
Sun Feb 18, 2018 9:28 pm
Forum: Investing - Theory, News & General
Topic: 30 yr tips auction 2/15: 1.0% yield?
Replies: 90
Views: 6924

Re: 30 yr tips auction 2/15: 1.0% yield?

I-bonds could theoretically be used as well. However, they are not nearly as good a deal as 30yr TIPs. But they have principal stability and liquidity after 1 year.
by aj76er
Sun Feb 18, 2018 1:56 am
Forum: Personal Finance (Not Investing)
Topic: Retiring abroad. Move taxable/checking accounts to Schwab?
Replies: 25
Views: 2101

Re: Retiring abroad. Move taxable/checking accounts to Schwab?

Google FI seems like a good option. It uses google voice "under the hood" and the base plan is only $20 (and data usage is the same cost no matter where you are even internationally). In fact, I can have Google Hangouts in a tab on my computer on WIFI and have the exact same functionality as my phon...
by aj76er
Sat Feb 17, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 170
Views: 16608

Re: Number at which to stop worrying

As I get older, I start to worry that I won't get to enjoy my hard-earned savings. I have no kids or spouse so there are no legacy motives. One must balance the "worry about running out of money" with "worry about running out of time". I don't think folks think enough about the latter.
by aj76er
Tue Feb 13, 2018 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 10981

Re: Did you learn anything from the market correction?

...Our first market correction (10% decline from peak)... Personally I experienced losses of 10k and 19k on back to back days and still feeling good so this helped confirm my aggressive AA (100/0) is fine for me... If a 10% decline had spooked you, it would have confirmed that your asset allocation...
by aj76er
Tue Feb 13, 2018 10:53 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 169
Views: 31548

Re: What's your U.S. : International ratio?

67% World (includes U.S.) 33% U.S. When implemented in terms of VTSAX and VTIAX, this comes to about 68% U.S. (VTSAX) and 32% ex-U.S. (VTIAX). Not too far off from Vanguard's present recommendations. My goal is to track long-term global growth patterns while still reducing the short-term effects of ...
by aj76er
Sat Feb 10, 2018 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: "Personal Capital" program
Replies: 14
Views: 1334

Re: "Personal Capital" program

I used PC but I do not link my accounts. I enter the info manually. I tried doing that, but when I signed up the very first screen (after registering my email address) demanded my account information. I couldn't figure out a way around it, so I just exited. I was twice contacted by a PC adviser ask...
by aj76er
Sat Feb 10, 2018 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 116
Views: 10531

Re: Anybody else Age - 10 in bonds, rest in stocks

Age: 41
Stocks/Bond/Cash: 70/25/5

I have enough bonds+cash for ~15x of my current living expenses, so I don't plan on increasing my FI holdings any further.
by aj76er
Sat Feb 10, 2018 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Still waiting to invest?
Replies: 47
Views: 5693

Re: Still waiting to invest?

One thing I've done is to structure my living expenses to be within the divided yield of an equivalent 100% stock portfolio Why? Can you explain this more? For the past few years, I've really been striving for financial independence (and possibly retirement) at a young-ish age. If you read the blog...
by aj76er
Fri Feb 09, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Still waiting to invest?
Replies: 47
Views: 5693

Re: Still waiting to invest?

And like I mentioned, I am indirectly in the market just by virtue of my job/compensation and owning a house. That is good enough for me. That's how I deal with my FOMO. I view my sole income, from a single company, and from expending my own effort and time to be the riskiest asset of all. To parap...
by aj76er
Thu Feb 08, 2018 5:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262199

Re: U.S. stocks in freefall

The forward looking CRSP US Total Market Index P/E (updated quarterly *I think*) is 22.9. Assuming expected earnings have not materially changed in the last few weeks, can we assume the effective P/E right now is something like 20.6 ?
by aj76er
Mon Feb 05, 2018 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 46411

Re: Today was a Really Bad Day

bikechuck wrote:
Mon Feb 05, 2018 4:55 pm
Wish I was still working so I could some buying at these prices.
You don't own any bonds?
by aj76er
Thu Feb 01, 2018 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond Market
Replies: 26
Views: 3163

Re: Total Bond Market

The recent movement of VBTLX makes no sense to me. Yesterday at $10.61 yield was 2.68%. Today it has dropped like a rock to $10.57 and the yield has gone up to 2.69%. That does not make sense per the equation NAV drop x term = increase in yield. The yield increased .01% and the NAV has dropped .38%...
by aj76er
Thu Feb 01, 2018 12:51 am
Forum: Personal Finance (Not Investing)
Topic: traveling the USA and state income taxes from dividends/interest
Replies: 11
Views: 892

Re: traveling the USA and state income taxes from dividends/interest

Look into traveling mailbox, which will give you a permanent address that you can use to file taxes. Perhaps this could be your former "home state"? The nice thing about the traveling mailbox service is that you can read your mail electronically or have it forwarded to any address (on an item-by-ite...
by aj76er
Thu Feb 01, 2018 12:41 am
Forum: Personal Finance (Not Investing)
Topic: How to think about your house from a financial perspective
Replies: 89
Views: 6663

Re: How to think about your house from a financial perspective

I think someone may have said this upthread, but there is an "imputed rent" from owning a home. I calculate mine periodically as: imputed rent = property taxes + HOA Dues + maintenance + opportunity cost where opportunity cost is the dividend yield of S&P500 x current value of property x 95% (this a...
by aj76er
Wed Jan 31, 2018 10:21 pm
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 98
Views: 19875

Re: Bill Sharpe's preferred portfolio

The December 2017 end-of-year numbers are out for the indexes that Sharpe mentions in the video. So to keep the portfolio allocations up-to-date for anyone who is interested, here are the numbers (in millions of USD): 27,452,976 - US stocks - CRSP US Total Market Index 25,022,106 - ex US stocks - F...
by aj76er
Wed Jan 31, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: Bill Sharpe's preferred portfolio
Replies: 98
Views: 19875

Re: Bill Sharpe's preferred portfolio

The December 2017 end-of-year numbers are out for the indexes that Sharpe mentions in the video. So to keep the portfolio allocations up-to-date for anyone who is interested, here are the numbers (in millions of USD): 27,452,976 - US stocks - CRSP US Total Market Index 25,022,106 - ex US stocks - F...
by aj76er
Wed Jan 31, 2018 12:55 am
Forum: Investing - Help with Personal Investments
Topic: Core Position-Fidelity
Replies: 5
Views: 889

Re: Core Position-Fidelity

I use FZFXX because it holds the most amount of treasuries (the last time I compared). Currently yielding 0.91%
by aj76er
Tue Jan 30, 2018 2:21 am
Forum: Personal Finance (Not Investing)
Topic: Rental property accounting
Replies: 10
Views: 857

Re: Rental property accounting

When I had rentals, I just used a spreadsheet on Google Drive. QuickBooks could work too. The important thing is to have a dedicated checking and credit card (just for rental activity) so all transactions are easy to verify and cross check.
by aj76er
Mon Jan 29, 2018 1:23 am
Forum: Investing - Theory, News & General
Topic: The ''Bulletproof'' Wait and See Portfolio - Anti-Inflation and Minimum Risk
Replies: 49
Views: 5233

Re: The ''Bulletproof'' Wait and See Portfolio - Anti-Inflation and Minimum Risk

msk wrote:
Mon Jan 29, 2018 12:18 am
Insure annually by selling one-year Puts
Don't you mean buying puts?
by aj76er
Sat Jan 27, 2018 12:11 am
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 12644

Re: Starting to feel like the late 1990s?

This feels different than the late 90s in that many people are genuinely still scared of the stock market. I hear many more people talking about bitcoin these days. Over the thanksgiving holiday, my BIL was talking about friends that have been sitting in cash scared to jump into the market. Then he ...
by aj76er
Fri Jan 26, 2018 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Municipal Bonds - 100% When All You Need is the Income
Replies: 55
Views: 5024

Re: Municipal Bonds - 100% When All You Need is the Income

I'd appreciate some further help (confirmation or correction) on my AA in a taxable brokerage account. I have some tax-advantaged retirement accounts which make up ~10% of my investable assets, and they are invested in stocks and REITs. In my taxable account, however, I am currently in 100% municip...
by aj76er
Fri Jan 26, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Security
Replies: 7
Views: 690

Re: Security

1. Use 2 factor authentication with virtual app (eg Symantec VIP) 2. Use Active voice print 3. Use Strong username and password 4. Only login from personal computer on trusted network 5. Ensure computer and phone has up to date OS 6. Login periodically to monitor balances and transactions 7. Freeze ...
by aj76er
Thu Jan 25, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy to take a step off from work at age 35
Replies: 13
Views: 1694

Re: Strategy to take a step off from work at age 35

For a 60yr retirement, the perpetual withdrawal rate (PWR) is more relevant than safe withdrawal rate (SWR); at least for the first half of the retirement period. It might be worth reading more about that and how it can change based on starting date and/or country of residence. The site www.portfoli...
by aj76er
Wed Jan 24, 2018 5:38 pm
Forum: Investing - Theory, News & General
Topic: What to do with cash now
Replies: 27
Views: 3513

Re: What to do with cash now

It sounds like you want to take 15% of your cash and buy bonds. Short to intermediate bond funds don't fluctuate that much relative to stocks, so you can generally just buy them whenever and not worry too much about NAV dropping (or gaining). If your cash is in taxable, and your bonds are in tax-she...
by aj76er
Tue Jan 23, 2018 8:46 pm
Forum: Investing - Theory, News & General
Topic: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?
Replies: 40
Views: 3652

Re: Is Anybody Else Freaked Out By the Rapidly Escalating Stock Market?

What's causing it is: 1) We have a great economy - lowest unemployment in 18 years 2) High optimism 3) Tax cuts are making companies more profitable 4) Tons of deregulation over the past year In short, government business friendly policies over the past year. Plus still low interest rates. Plus hig...
by aj76er
Mon Jan 22, 2018 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage Account Change to Fidelity - Pros and Cons
Replies: 20
Views: 1106

Re: Brokerage Account Change to Fidelity - Pros and Cons

For a 3-fund portfolio, the Fidelity index fund offerings are great (especially in a tax-advantaged account). Tracking is as good (or sometimes better) than Vanguard, and the fees are as low (or sometimes lower) than Vanguard. I would consider those over Vanguard ETF's in a tax-advantaged account. I...
by aj76er
Sun Jan 21, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Google Project Fi - "Device Protection" problem
Replies: 41
Views: 3318

Re: Google Project Fi - "Device Protection" problem

My Nexus 5X essentially bricked back on 1/2/18 (would not boot up even after multiple factory HW resets). On my project fi dashboard they offered me a $110 trade-in, and I decided to upgrade to a Pixel 2, which is generally more money then I like to spend on a phone. I complained about the quality o...
by aj76er
Sun Jan 21, 2018 1:14 am
Forum: Investing - Help with Personal Investments
Topic: Moving to Canada
Replies: 15
Views: 1737

Re: Moving to Canada

You may want to check out Schwab (perhaps with Vanguard ETFs). I've heard they are more friendly with foreign work assignments.
by aj76er
Sat Jan 20, 2018 7:19 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 169
Views: 31548

Re: What's your U.S. : International ratio?

I start with world cap weight and then tilt to US (I think most folks here do the opposite). My AA is a fixed 67% World/33% US. I accomplish this by holding a total US mkt find and a total exUS market fund. Currently this comes to about 68% total US / 32% total exUS when implemented in this manner. ...
by aj76er
Fri Jan 19, 2018 7:20 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 354
Views: 34939

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

Just curious - what would have happened with a 2% withdrawal rate? IMHO, anything less than a 3% WR is overly conservative for anyone aside from those interested in leaving behind a larger portfolio for their heirs, charity, etc. than they started with. That being said, here it is. The nominal endi...
by aj76er
Thu Jan 18, 2018 4:22 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 354
Views: 34939

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

You are talking about having a 50% drop THEN something worse than the great depression (or 70s inflation) immediately afterwards. I don't worry about this because the likelihood of retaining employment under these circumstances is also very slim. Folks who think a job or realestate or whatever is s...
by aj76er
Thu Jan 18, 2018 12:13 am
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 354
Views: 34939

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

You are talking about having a 50% drop THEN something worse than the great depression (or 70s inflation) immediately afterwards. I don't worry about this because the likelihood of retaining employment under these circumstances is also very slim. Folks who think a job or realestate or whatever is s...
by aj76er
Tue Jan 16, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: GE and the myth of "safe blue-chip stocks"
Replies: 123
Views: 15380

Re: GE and the myth of "safe blue-chip stocks"

Is this correct?? Vanguards Total Stock Market Index Fund (VTSAX) has only market risk. GE (or any individual stock) has both market risk and Individual company risk (or unsystematic risk, or idiosyncratic risk). 1210 I don't think that's correct. VTSAX has the individual companies in it - so, it h...
by aj76er
Tue Jan 16, 2018 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Is it reasonable to try to time the I-Bond market?
Replies: 13
Views: 1278

Re: Is it reasonable to try to time the I-Bond market?

It depends on how much you think the fixed rate will go up. If it's 0.2% vs 0.1% then probably not that big of a deal; and keep in mind that you get an extra 6months of interest if you buy now (so the fixed rate delta would have to overcome the opportunity cost of not buying now). And, finally, the ...
by aj76er
Tue Jan 16, 2018 2:42 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 354
Views: 34939

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 port...
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: 354
Views: 34939

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: 4623

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: 5713

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: 5713

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 Consumer Issues
Topic: Trying to downsize but still too much stuff
Replies: 59
Views: 5876

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: 594

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: 2940

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: 1093

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: 354
Views: 34939

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: 354
Views: 34939

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: 354
Views: 34939

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: 354
Views: 34939

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: 58
Views: 7443

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: 18185

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 ...