Search found 282 matches

by SVT
Tue May 19, 2020 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Relationship mortgage discounts for moving a million assets
Replies: 450
Views: 64779

Re: Relationship mortgage discounts for moving a million assets

rkcs wrote:
Tue May 19, 2020 1:32 pm
:D Good one. Meant last few days...
I took his comment to mean that Chase and BofA are probably doing that now because of so many people asking for matches on top of relationship discounts because of this thread.
by SVT
Fri May 08, 2020 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: How Do Early Retirees Pay for Medical
Replies: 132
Views: 9749

Re: How Do Early Retirees Pay for Medical

Tool-Time wrote:
Wed May 06, 2020 4:56 pm
62 and ready to retire due to minor health reasons. Wife (61)will still work for a year. $2M in 401k, stocks and IRA. Wife has $300,000 pension. No kids. How do early retirees pay for their medical?
https://www.whitecoatinvestor.com/healt ... etirement/
by SVT
Fri May 08, 2020 3:29 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4961
Views: 430729

Re: Fund summary:HEDGEFUNDIE's excellent adventure Part II: The next journey

Aren't the funds and percentages in the first post?
by SVT
Mon Apr 20, 2020 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Any holes in this long term disability policy?
Replies: 15
Views: 1291

Re: Any holes in this long term disability policy?

The benefit does not include an estimated SSDI benefit. It isn't even mentioned in the quote. They break it down as follows: Current monthly income: $10,583 Estimated group benefit after tax: $4,763 Proposed DI benefit: $3,400 Proposed catstrophic benefit: $2,420 I would like to possibly cancel my ...
by SVT
Mon Apr 20, 2020 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Any holes in this long term disability policy?
Replies: 15
Views: 1291

Re: Any holes in this long term disability policy?

The benefit does not include an estimated SSDI benefit. It isn't even mentioned in the quote. They break it down as follows: Current monthly income: $10,583 Estimated group benefit after tax: $4,763 Proposed DI benefit: $3,400 Proposed catstrophic benefit: $2,420 I would like to possibly cancel my ...
by SVT
Sun Apr 19, 2020 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Disability Do You Recommend For My Situation?
Replies: 15
Views: 795

Re: How Much Disability Do You Recommend For My Situation?

dardeninvestor wrote:
Sun Apr 19, 2020 7:43 am
Also it doesn't have to be Guardian if you're looking to cut costs...
Yeah I got quotes from Guardian as well as Ameritas.

10k/mo, 180 days, age 65, Guardian is about $304/mo vs Ameritas at $243/mo. There are extra perks with Guardian over Ameritas and others though.
by SVT
Sun Apr 19, 2020 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Disability Do You Recommend For My Situation?
Replies: 15
Views: 795

Re: How Much Disability Do You Recommend For My Situation?

aristotelian wrote:
Sun Apr 19, 2020 6:30 am
Why would you need more than double your monthly expenses (on top of safe withdrawal from your portfolio)?
What would you suggest?
by SVT
Sat Apr 18, 2020 11:35 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4961
Views: 430729

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

.... annnnnd back to an all-time high for me on this, +76% for standard 50% UPRO /50% TMF w/ quarterly rebalancing, Feb 2018 start date. No tinkering, no timing...just vanilla. The Schwab "Risk vs. Reward" chart is comical. Yeah, you and I have been close to the same. I'm also 50/50 now, but was st...
by SVT
Sat Apr 18, 2020 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Disability Do You Recommend For My Situation?
Replies: 15
Views: 795

Re: How Much Disability Do You Recommend For My Situation?

Yeah I was thinking at least $10k would probably be good enough.
by SVT
Sat Apr 18, 2020 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Disability Do You Recommend For My Situation?
Replies: 15
Views: 795

How Much Disability Do You Recommend For My Situation?

Age 34 Baby coming any day now Expenses $5500/mo, maybe $6k for cushion Income $324k last year, $300k the year before, including my FT job's 20% contribution to SEP IRA. Income is from a PT job and a FT job. If I scale back on the hours a bit or quit PT job, pay would go down to no less than $250k A...
by SVT
Sat Apr 18, 2020 3:39 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4961
Views: 430729

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

.... annnnnd back to an all-time high for me on this, +76% for standard 50% UPRO /50% TMF w/ quarterly rebalancing, Feb 2018 start date. No tinkering, no timing...just vanilla. The Schwab "Risk vs. Reward" chart is comical. Yeah, you and I have been close to the same. I'm also 50/50 now, but was st...
by SVT
Sun Mar 15, 2020 5:47 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4961
Views: 430729

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

physixfan wrote:
Sun Mar 15, 2020 5:33 pm
In my understanding, QE is basically FED purchasing long term treasuries. So does this mean TMF will rise?
We'll all find out soon enough.
by SVT
Sun Mar 08, 2020 11:14 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4961
Views: 430729

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I'm tempted to increase my net worth allocation to this portfolio to 23% by investing my SEP IRA with Fidelity in this.
by SVT
Fri Mar 06, 2020 6:48 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4961
Views: 430729

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I'm not seriously considering this right now but I will admit it's hard not to think about spreading this strategy out to another account to put more towards it. Anyone else? I've kept this in my Roth and it is now 15% of networth. The performance has been incredible. The down days haven't been that...
by SVT
Sat Feb 22, 2020 6:06 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4961
Views: 430729

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Today is exactly 1 year since I started. I'm up 76%. Started at $82k, now at $144k. Allocation is currently about 50/50 as I haven't rebalanced and have let it drift from the original 40/60.
by SVT
Fri Dec 13, 2019 7:02 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4961
Views: 430729

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I've been away from the board for awhile. Can someone post some cliffnotes as to how this excellent adventure is progressing, how many people have joined in, and all that good stuff? Impressions are fine. No one knows how many have joined in but it seems like several of those that have, have change...
by SVT
Fri Dec 13, 2019 5:48 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4961
Views: 430729

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I'm still at the original 40/60 since Feb, although it's drifted to 50/50 and has been there for a couple of months now. I'm up 50% and $40k.
by SVT
Sun Dec 08, 2019 4:21 am
Forum: Personal Investments
Topic: Larger Emergency Savings vs Bond Allocation
Replies: 11
Views: 1203

Re: Larger Emergency Savings vs Bond Allocation

I don't own bonds. I just have stocks and cash. The amount of cash I have is usually around 10% of net worth, or around $100k, or around 1.5-2 years of expenses. All cash is in high yield savings accounts and rewards checking accounts. I also aggressively go for bank account bonuses with the money. ...
by SVT
Sat Dec 07, 2019 9:57 pm
Forum: Personal Investments
Topic: Can I contribute to a Trad 401(k), Trad 457(b), and Roth 403(b)
Replies: 14
Views: 811

Re: Can I contribute to a Trad 401(k), Trad 457(b), and Roth 403(b)

401k and 403b have a combined limit. Even if at different employers? This seems to contradict the article that fortfun posted above: https://windgatewealth.com/two-for-the-money-can-i-contribute-to-two-retirement-plans-if-i-work-two-jobs/ Where in that article does it seem to contradict that? In fa...
by SVT
Sat Dec 07, 2019 3:01 am
Forum: Personal Investments
Topic: Can I contribute to a Trad 401(k), Trad 457(b), and Roth 403(b)
Replies: 14
Views: 811

Re: Can I contribute to a Trad 401(k), Trad 457(b), and Roth 403(b)

401k and 403b have a combined limit. Even if at different employers? This seems to contradict the article that fortfun posted above: https://windgatewealth.com/two-for-the-money-can-i-contribute-to-two-retirement-plans-if-i-work-two-jobs/ Where in that article does it seem to contradict that? In fa...
by SVT
Sat Oct 05, 2019 11:56 am
Forum: Personal Consumer Issues
Topic: Flying in the US after losing ID
Replies: 18
Views: 2809

Re: Flying in the US after losing ID

It happened to me a few years ago. It's not too big of a deal but will take some extra time to get through security. The TSA agent will call someone who will have a bunch of personal information about you. The TSA agent will relay several personal questions to you to confirm your identity. ETA: I lo...
by SVT
Tue Sep 17, 2019 10:45 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4961
Views: 430729

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I think the OP addressed adding gold in the first post of part 1.
by SVT
Mon Sep 16, 2019 6:52 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 4961
Views: 430729

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I think I may be one of the remaining few, if not only one(?), to be in the original 60/40 TMF/UPRO allocation. I started Feb 22nd and was up about 50% at one point. The portfolio has taken a bit of a dip the last 10 days though. I'm now up 38% since starting. I'm not sure when/if I'll change the al...
by SVT
Mon Aug 26, 2019 10:35 pm
Forum: Personal Consumer Issues
Topic: Acura RDX vs Audi Q5
Replies: 98
Views: 10716

Re: Acura RDX vs Audi Q5

After doing a search in this thread, I see that the Macan was already mentioned several times. The Macan was my first thought. But I'm biased, as I just bought a Macan GTS a few weeks ago.
by SVT
Sun Aug 25, 2019 6:30 pm
Forum: Personal Investments
Topic: Emergency Fund - Short Term Bond Funds or Money Market Funds?
Replies: 29
Views: 3249

Re: Emergency Fund - Short Term Bond Funds or Money Market Funds?

I use high interest rewards checking accounts.
by SVT
Fri May 31, 2019 5:10 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 386117

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Can't wait to see the comments in this thread when the volatility goes the other way lol
by SVT
Wed May 15, 2019 7:40 pm
Forum: Personal Consumer Issues
Topic: [Another] How much to spend on a car/what to get thread
Replies: 27
Views: 1599

Re: [Another] How much to spend on a car/what to get thread

I agree with driving the different options you're considering and decide if a luxury car seems worth the price to you.
by SVT
Wed May 15, 2019 7:38 pm
Forum: Personal Consumer Issues
Topic: [Another] How much to spend on a car/what to get thread
Replies: 27
Views: 1599

Re: [Another] How much to spend on a car/what to get thread

Mr Marlowe, You are doing extremely well, you've made may good decisions in the past ,you know your likes and limits like no one else> Why ask a bunch of strange folks on the internet what is best for you? I guess because: I always find the advice I get on here useful for putting things into perspe...
by SVT
Mon Apr 08, 2019 8:00 pm
Forum: Investing - Theory, News & General
Topic: M1 Finance
Replies: 44
Views: 6063

Re: M1 Finance

Wezzley77 wrote:
Mon Apr 08, 2019 7:58 pm
Enlighten me on this Hedgefundie thing you guys Are speaking of??
viewtopic.php?f=10&t=272007
by SVT
Mon Apr 08, 2019 6:55 pm
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 906
Views: 123644

Re: That's enough for me in 2019

Username checks out :D
by SVT
Sat Mar 09, 2019 8:33 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 386117

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

I suspect we will have to go back to original "All Weather Portfolio" and tinker 30% in U.S. stocks 40% in Long-term U.S. Treasury Bonds 15% in Intermediate-Term U.S. Treasury Bonds 7.50% in Gold 7.50% in broad Commodity basket This was modeled by Dalio to work well through the 1980 environment Que...
by SVT
Tue Mar 05, 2019 7:59 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 386117

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

As someone who put their entire Roth into this strategy, 10% of assets, I'm skeptical these returns will continue for at least another couple of decades and $80k or $100k will turn into millions. That would be awesome but I'm certainly not counting on that happening. How would this strategy compare ...
by SVT
Sun Mar 03, 2019 3:14 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 386117

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

In the back-test you show a CAGR of 16.71%, but elsewhere you mentioned you expected a CAGR in the mid-20s. Can you explain the discrepancy? Thanks, Dan Dan, the first sentence in the OP mentions the update: UPDATE: With the progress that has been made by EfficientInvestor, siamond, JackoC and othe...
by SVT
Fri Mar 01, 2019 3:18 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 386117

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

This thread started the beginning of February. Here we are at the end of February and we are approaching almost 900...almost 900!... posts in this thread in less than one month. Fascinating. Everything about this thread is anti-Bogelheadistic philosophy and yet, we are all glued to our screens watc...
by SVT
Fri Mar 01, 2019 2:28 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 386117

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

This thread started the beginning of February. Here we are at the end of February and we are approaching almost 900...almost 900!... posts in this thread in less than one month. Fascinating. Everything about this thread is anti-Bogelheadistic philosophy and yet, we are all glued to our screens watc...
by SVT
Sun Feb 17, 2019 7:34 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 386117

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Curious if everyone is lump sum investing with their 3x portfolios? Is anyone planning on dollar cost averaging/rebalancing with new money? It seems like adding new money would work well with all of the volatility happening. I started a small 50/50 upro/tmf just for fun. It is .09 % of my total por...
by SVT
Tue Feb 12, 2019 3:34 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 386117

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Well, I just emailed M1 Finance to initiate rolling over my Roth IRAs from Merrill Edge and Vanguard. Portfolio at M1 is set. Going to invest my entire $80k Roth IRA in this. I'll take the risk. What is the process like at M1? I registered and find the website not so obvious. Maybe because there is...
by SVT
Mon Feb 11, 2019 10:31 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 386117

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Well, I just emailed M1 Finance to initiate rolling over my Roth IRAs from Merrill Edge and Vanguard. Portfolio at M1 is set. Going to invest my entire $80k Roth IRA in this. I'll take the risk. What is the process like at M1? I registered and find the website not so obvious. Maybe because there is...
by SVT
Mon Feb 11, 2019 7:57 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 386117

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Well, I just emailed M1 Finance to initiate rolling over my Roth IRAs from Merrill Edge and Vanguard. Portfolio at M1 is set. Going to invest my entire $80k Roth IRA in this. I'll take the risk.
by SVT
Sun Feb 10, 2019 1:53 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 386117

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

I'm trying to sign up for M1 Finance online. It's making me choose 3 slices for my pie. How did you only do 2? Do you sign up with 3 and then just don't invest in the 3rd slice?

ETA: Got it. Just have to do 3 slices for signup. Once you're in, you can build a pie with only 2.
by SVT
Sat Feb 09, 2019 5:55 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 386117

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

An even $100k would be nice but it seems like it's best to do this in Roth IRA than a taxable account or Rollover IRA. I wouldn't want to do this in a Rollover IRA right? If the strategy works, this account will grow into a huge amount in 20-30 years, probably overshadowing every other asset you ow...
by SVT
Sat Feb 09, 2019 5:15 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 386117

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Hmm, I just might go for this as well. Very similar stats to you HEDGEFUNDIE. I'm 33, with $80k in Roth IRA. If I invested my Roth IRA in this strategy, it'd only be 10% of my investable assets. So we're roughly the same there as well. I've been looking at taking some more risk. This might fit the b...
by SVT
Thu Jan 24, 2019 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 621
Views: 74203

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I initiated a transfer out of Ally Bank to another bank and to my annoyance it looks like the funds show up 2-3 days in the other bank after being deducted. On a large transfer, that's $15-$20 or so in lost interest. I wish I had initiated a 'pull' from Ally at the other bank -- they credit immedia...
by SVT
Thu Jan 24, 2019 12:44 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2119
Views: 372890

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Can I open a 2nd CMA account with ME and get the bonus? I was looking at the current $900 ME bonus. My last bonus with them was over a year ago if that matters.
by SVT
Wed Jan 23, 2019 8:13 pm
Forum: Personal Investments
Topic: Portfolio Help
Replies: 3
Views: 426

Re: Portfolio Help

Thanks for taking the time to respond! So I can't tell your exact desired asset allocation (ie. between International large blend vs intern small value), but in general I don't think you have to sell anything (and realize capital gains). Between those 2, basically 50/50. My desired (without all the ...
by SVT
Wed Jan 23, 2019 1:04 am
Forum: Personal Investments
Topic: Portfolio Help
Replies: 3
Views: 426

Portfolio Help

Emergency funds: Yes Debt: None Tax Filing Status: Single Tax Rate: 35% Federal, 8% State State of Residence: MD Age: 33 Desired Asset allocation: 100% stocks / 0% bonds Desired International allocation: ~50% of stocks Specifically, 23% LC/TSM, 23% SCV, 22% TISM, 22% IS/ISV, 10% REITs Total Portfoli...
by SVT
Mon Jan 07, 2019 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Lively HSA is now Fee Free
Replies: 15
Views: 1532

Re: Lively HSA is now Fee Free

I received the same email. I plan to stick with Lively until my 1 year is up in a few months. Shortly after that, I plan to transfer my HSA to Fidelity though. I feel bad for Lively as well. I plan to switch because I'd rather have my HSA with Fidelity and invest it there, versus having a Lively acc...
by SVT
Sun Dec 16, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: Negril vs Montego Bay Jamaica
Replies: 13
Views: 1570

Re: Negril vs Montego Bay Jamaica

Negril is better. Montego Bay is at the airport. If staying in Montego Bay, you're at a resort next to the airport hearing and seeing airplanes all day. Negril is like a 45 min drive away from the airport. And if you're staying at the resort the whole time, at least you get to see more of Jamaica du...