Search found 255 matches

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: 1331

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: 1331

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: 42
Views: 3589

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: 763
Views: 71957

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: 1769
Views: 120600

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: 1769
Views: 120600

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: 1769
Views: 120600

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: 1769
Views: 120600

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: 1769
Views: 120600

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: 1769
Views: 120600

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: 1769
Views: 120600

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: 1769
Views: 120600

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: 1769
Views: 120600

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: 1769
Views: 120600

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: 1769
Views: 120600

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: 1769
Views: 120600

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: 630
Views: 68432

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: 1745
Views: 272310

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: 385

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: 385

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: 1351

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: 1157

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...
by SVT
Tue Dec 11, 2018 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Rolling Over SEP IRA to 401(k) Each Year for Backdoor Roth
Replies: 3
Views: 256

Rolling Over SEP IRA to 401(k) Each Year for Backdoor Roth

I have a SEP IRA with my Employer. I also have a side job from a business with a Solo 401k. Both the SEP and the 401k are with Fidelity. 1. Can I roll over the entire balance of the SEP IRA into the 401k at the end of each year before Dec 31st (to ensure a 0 balance on that date) to enable a clean B...
by SVT
Sun Dec 09, 2018 6:54 am
Forum: Personal Finance (Not Investing)
Topic: How To Save More Than $100,000 A Year Pre-Tax: Open A SEP-IRA Or Solo 401k
Replies: 3
Views: 923

How To Save More Than $100,000 A Year Pre-Tax: Open A SEP-IRA Or Solo 401k

The title in the subject is the name of an article from Financial Samurai. Here's the link: https://www.financialsamurai.com/how-to-save-more-than-100000-a-year-pre-tax-open-a-sep-ira-or-solo-401k/ The gist is the $56k/year limit (2019) is only the limit per account, not across all accounts combined...
by SVT
Sat Oct 20, 2018 12:53 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 630
Views: 68432

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

Momus wrote:
Sat Oct 20, 2018 12:32 am
If i sign up and ACH push money from Vanguard, selling prime MM, I get the bonus right? Or I have to ACH pull from Ally only?
It doesn't matter at all. Just need to transfer new money into Ally, however you want to do that.
by SVT
Sat Sep 29, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile experiences in Maryland/DC area?
Replies: 1
Views: 298

Re: Xfinity Mobile experiences in Maryland/DC area?

Have you checked out project fi? I live between DC and Baltimore and get excellent service with them and it's cheap. They use 3 networks for service; T-Mobile, Sprint, and some other no name company. The cost is $20 for unlimited minutes and texts, and $10 per GB but you only pay for what you use, d...
by SVT
Tue Sep 11, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5497

Re: $200 cash bonus offer from Citi

I've made $4,650 in bank bonuses between last year and this year. This is from just opening checking and savings accounts and doesn't include credit card bonuses or brokerage bonuses (both of which are generally more lucrative). I keep a spreadsheet with information about when to open/close account...
by SVT
Mon Sep 10, 2018 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5497

Re: $200 cash bonus offer from Citi

I started doing these June last of last year. I received $3265 in checking and savings account bonuses last year in just those 7 months. No significant other. I'm in a high tax bracket but I feel it's still worth it. To me it's a hobby and something I enjoy doing. Yes, you have to pay taxes on it bu...
by SVT
Sat Jul 21, 2018 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Which brokerage is best for backdoor Roth
Replies: 18
Views: 1929

Re: Which brokerage is best for backdoor Roth

Hi, Did some search but didn't found answers. Which bank has the most seamless and simple process for open tIRA and backdoor Roth convert? I prefer the bank don't need call or mail paperwork. Also, I have already brokerage accounts on eTrade, Schwab, and Fidelity. Thanks, I did it with Merrill Edge...
by SVT
Mon Jul 16, 2018 11:41 pm
Forum: Personal Investments
Topic: Merrill Edge Taxable Account and Tax Loss Harvesting
Replies: 3
Views: 451

Re: Merrill Edge Taxable Account and Tax Loss Harvesting

Nevermind, I figured it out. I don't see the option to change to Specific ID of shares until I go through the process of selling shares.
by SVT
Mon Jul 16, 2018 11:35 pm
Forum: Personal Investments
Topic: Merrill Edge Taxable Account and Tax Loss Harvesting
Replies: 3
Views: 451

Re: Merrill Edge Taxable Account and Tax Loss Harvesting

I'm only invested in ETFs so I should be able to if you are but I must obviously be missing something. I've done it in my Vanguard Brokerage account before.
by SVT
Mon Jul 16, 2018 10:20 pm
Forum: Personal Investments
Topic: Merrill Edge Taxable Account and Tax Loss Harvesting
Replies: 3
Views: 451

Merrill Edge Taxable Account and Tax Loss Harvesting

For those of you with CMA Edge accounts with Merrill Edge, are you able to do tax loss harvesting? I just checked and I now have just over $3k in short term losses I'd like to harvest (was probably more a little while ago but too lazy to check) but I don't see how I can sell specific lots and I can'...
by SVT
Wed May 30, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Chase sapphire reserve versus BOF premium rewards
Replies: 48
Views: 7599

Re: Chase sapphire reserve versus BOF premium rewards

UR points are worth at least 1.5 cents a piece. Not really. They are only worth 1.5 cents if you use them for travel through the Chase portal. Some travel options (certain hotels, rooms, flights) are not available through the Chase portal. In that case, 1 cent per point in the true low ceiling - ca...
by SVT
Fri May 25, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a good one stop website/broker for car insurance quotes?
Replies: 8
Views: 1091

Re: Is there a good one stop website/broker for car insurance quotes?

Price is not everything. Consider "quality" of the insurance company - check out Consumer Reports.. I agree with this wholeheartedly. In the past couple of weeks I've spent hours on the phone talking to better-rated insurance companies than the one we've had. We ended up swapping out State Farm for...
by SVT
Mon Apr 16, 2018 1:40 pm
Forum: Personal Investments
Topic: Two Jobs, Two Retirement Plans; $110,000 Per Year Contribution Limit?
Replies: 4
Views: 1354

Re: Two Jobs, Two Retirement Plans; $110,000 Per Year Contribution Limit?

According to the IRS: The amount of salary deferrals you can contribute to retirement plans is your individual limit each calendar year no matter how many plans you're in. This limit must be aggregated for these plan types: 401(k) 403(b) SIMPLE plans (SIMPLE IRA and SIMPLE 401(k) plans) SARSEP If y...
by SVT
Mon Apr 16, 2018 6:49 am
Forum: Personal Investments
Topic: Two Jobs, Two Retirement Plans; $110,000 Per Year Contribution Limit?
Replies: 4
Views: 1354

Two Jobs, Two Retirement Plans; $110,000 Per Year Contribution Limit?

I have 2 jobs. The FT job has a SEP-IRA. The PT job has a 401k. I'd like to confirm what the total legal yearly maximum contribution limit is with having both of these plans with separate employers. Is the total legal contribution limit for employer and employee contributions $55k/year per plan? Or ...
by SVT
Tue Mar 27, 2018 11:45 am
Forum: Investing - Theory, News & General
Topic: [Vanguard sends out erroneous "not enough money in settlement fund" notice]
Replies: 94
Views: 8013

Re: Concerns with Vanguard

You can still invest using Vanguard funds but not house your money with Vanguard.
by SVT
Tue Mar 20, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Can I Retire at 38?
Replies: 118
Views: 14773

Re: Can I Retire at 38?

tfb wrote:
Mon Mar 19, 2018 10:58 pm
Yes you can retire. The only question is what kind of lifestyle you want after you retire. Anybody can retire if they are willing to match their lifestyle to the amount of money that supports it.
Yeah, like a homeless person? :D
by SVT
Tue Mar 20, 2018 10:13 am
Forum: Personal Investments
Topic: Is buying $50,000 worth of TSLA at this time advisable?
Replies: 46
Views: 4230

Re: Is buying $50,000 worth of TSLA at this time advisable?

I personally wouldn't do it at this point. I think you're a little tardy to the party. I thought about doing it a couple of different times back in 2011-2013. If I did, I would've enjoyed a nice run-up. Sticking to Boglehead principles prevented me from pulling the trigger. That's not the only time ...
by SVT
Sat Mar 17, 2018 7:30 am
Forum: Personal Investments
Topic: Backdoor Roth and SEP IRA
Replies: 10
Views: 1155

Re: Backdoor Roth and SEP IRA

I guess just doing anything to make even a couple of hundred dollars per year would be fine just to get a Solo 401k opened, right? As long as it's a legitimate business and not a hobby I don't think there is any minimum business income requirement to open a solo 401k. You may not be able to make mu...
by SVT
Fri Mar 16, 2018 5:51 pm
Forum: Personal Investments
Topic: Backdoor Roth and SEP IRA
Replies: 10
Views: 1155

Re: Backdoor Roth and SEP IRA

Another option is to find a way to generate some self-employment income. Then you can adopt a one-participant 401k plan at a provider that accepts rollover contributions (not Vanguard). Then you have your own 401k that accepts rollovers. How easily could I do this? Could I open one with a "business...
by SVT
Fri Mar 16, 2018 4:15 pm
Forum: Personal Investments
Topic: Backdoor Roth and SEP IRA
Replies: 10
Views: 1155

Re: Backdoor Roth and SEP IRA

Another option is to find a way to generate some self-employment income. Then you can adopt a one-participant 401k plan at a provider that accepts rollover contributions (not Vanguard). Then you have your own 401k that accepts rollovers. How easily could I do this? Could I open one with a "business"?
by SVT
Fri Mar 16, 2018 3:37 pm
Forum: Personal Investments
Topic: Backdoor Roth and SEP IRA
Replies: 10
Views: 1155

Re: Backdoor Roth and SEP IRA

Even if I can't rollover the SEP into my PT job's 401k plan, I'm sure I'll be able to roll it over to a 401k plan at some point in the future, just don't know how long that might be. It could be in just a few years. Maybe several years. It seems like maybe a taxable account for the $5500/yr might be...
by SVT
Thu Mar 15, 2018 1:39 pm
Forum: Personal Investments
Topic: Backdoor Roth and SEP IRA
Replies: 10
Views: 1155

Backdoor Roth and SEP IRA

I've done a search on this topic but haven't seen anything discussing an option that I have in mind for my situation. I'm going to be starting employment soon with a company that makes a 20% contribution to a SEP IRA. My income is above the Roth IRA limit. I've been doing a backdoor Roth for a few y...
by SVT
Mon Feb 12, 2018 11:20 pm
Forum: Personal Investments
Topic: SEP and 401k Max Contribution
Replies: 3
Views: 577

Re: SEP and 401k Max Contribution

In 2017 there is an $18K employee deferral limit per employee across all employers. In 2017 there is a $54K annual addition limit (employee + employer contributions) per employee per each unrelated employer. The allowed employer contributions for either a sole proprietorship SEP IRA or one-particip...
by SVT
Tue Dec 12, 2017 12:28 pm
Forum: Personal Investments
Topic: High yield savings account
Replies: 13
Views: 1807

Re: High yield savings account

I'd you're motivated to jump through hoops, you could set up at least 14k @ 5%, probably more. 4 Netspend cards, 1k each Insight, 5k Mango, 5k I'm beginning to question this strategy since reading about 50/50 stock/Bond performance. I have 2 Insight accounts. Some people reportedly have 3 or even 4...
by SVT
Mon Dec 11, 2017 9:38 pm
Forum: Personal Investments
Topic: High yield savings account
Replies: 13
Views: 1807

Re: High yield savings account

I'd you're motivated to jump through hoops, you could set up at least 14k @ 5%, probably more. 4 Netspend cards, 1k each Insight, 5k Mango, 5k I'm beginning to question this strategy since reading about 50/50 stock/Bond performance. I have 2 Insight accounts. Some people reportedly have 3 or even 4...