Search found 5332 matches
- Wed Mar 27, 2024 9:39 pm
- Forum: Personal Investments
- Topic: What happened to Vanguard's Portfolio Watch?
- Replies: 15
- Views: 1793
Re: What happened to Vanguard's Portfolio Watch?
Vanguard lists BNDW(Vanguard Total World Bond) as 100% domestic Bond. I sent them a message about 6 months ago about this error. They acknowledged my message but it's still not fixed.
- Tue Mar 26, 2024 7:46 pm
- Forum: Personal Consumer Issues
- Topic: [What TV Show Have You Recently Watched?]
- Replies: 5993
- Views: 699861
Re: [What TV Show Have You Recently Watched?]
3 Body Problem on Netflix. A very good sci-fi show. A slow start but it gets very good. Pay attention.
- Tue Mar 26, 2024 4:34 pm
- Forum: Personal Investments
- Topic: Asset Allocation Across All Account-Divorce Situation
- Replies: 2
- Views: 421
Re: Asset Allocation Across All Account-Divorce Situation
Thanks Bonesly. This is the answer I am looking for. This makes me feel better about having bonds in my account.bonesly wrote: ↑Tue Mar 26, 2024 1:39 pm It's probably best to consult an attorney in your state.
Regardless of current asset allocation across individual accounts, it's likely that the dollar value of all assets (including house, cars, tangible valuables like jewelry, expensive musical instruments, etc.) will all be totaled and you'll each get half, unless there was a pre-nuptial agreement specifying a different distribution. You can then rebalance your half in as tax-efficient a manner as is possible with whatever you end up with to meet your desired AA.
- Tue Mar 26, 2024 10:19 am
- Forum: Personal Investments
- Topic: Asset Allocation Across All Account-Divorce Situation
- Replies: 2
- Views: 421
Asset Allocation Across All Account-Divorce Situation
This is a hypothetical situation. I'm not getting a divorce.
We live in a 50/50 state (Wisconsin). We have our asset allocation set up across a taxable account and two IRA's and we use a joint checking account for paying bills and contributing to our portfolio.
I have the following setup in a tax-efficient manner:
My Taxable Brokerage-Equities
Her IRA-Equities
My IRA-Bonds
The asset allocation is 80/20. My IRA will have limited growth due to having bonds in my IRA.
How are assets split in these types of situations if it's a 50/50 state?
The goal will be both parties walk away with the same asset allocation...is this possible?
Is this a drawback of this type of asset placement for married couples if a divorce is possible?
We live in a 50/50 state (Wisconsin). We have our asset allocation set up across a taxable account and two IRA's and we use a joint checking account for paying bills and contributing to our portfolio.
I have the following setup in a tax-efficient manner:
My Taxable Brokerage-Equities
Her IRA-Equities
My IRA-Bonds
The asset allocation is 80/20. My IRA will have limited growth due to having bonds in my IRA.
How are assets split in these types of situations if it's a 50/50 state?
The goal will be both parties walk away with the same asset allocation...is this possible?
Is this a drawback of this type of asset placement for married couples if a divorce is possible?
- Sun Mar 24, 2024 10:02 am
- Forum: Investing - Theory, News & General
- Topic: Holding 100% stocks after FI best option for longer time horizons?
- Replies: 88
- Views: 10597
Re: Holding 100% stocks after FI best option for longer time horizons?
Thank you for this. The perpetual withdrawal rate information is valuable.smitcat wrote: ↑Mon Mar 11, 2024 6:09 pm You can make and review your own portfolios for perpetual withdrawal rates and you can toggle through a few already done for you here (including 100% equity)...
https://portfoliocharts.com/2016/12/09/ ... etirement/
- Fri Mar 22, 2024 12:04 am
- Forum: Personal Investments
- Topic: 23 years old, question about investments in taxable acct
- Replies: 25
- Views: 1949
Re: 23 years old, question about investments in taxable acct
Taxable
VTI
VXUS
IRA
VT
VTI
VXUS
IRA
VT
- Thu Mar 21, 2024 8:27 am
- Forum: Investing - Theory, News & General
- Topic: Active fund for international equity allocation?
- Replies: 34
- Views: 2609
Re: Active fund for international equity allocation?
Just buy the haystack.
It seems you're wasting your time trying to find the needle.
It seems you're wasting your time trying to find the needle.
- Fri Feb 23, 2024 5:15 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard Cash Plus Account
- Replies: 511
- Views: 69610
Re: Vanguard Cash Plus Account
I currently have dividends from VTI and VXUS sent to the settlement fund and once a month an automated rule sends cash to our checking account via ACH and then I initiate bill pay to send the rent. Basically the dividends from the brokerage account pay the rent.
If I sign up for a cash plus account, can I have the dividends sent to the cash plus account and setup and automated bill pay to send the rent payment?
If I sign up for a cash plus account, can I have the dividends sent to the cash plus account and setup and automated bill pay to send the rent payment?
- Sun Feb 18, 2024 12:16 pm
- Forum: Investing - Theory, News & General
- Topic: International (Non-US) versus US Equities (The "Arguments")
- Replies: 5351
- Views: 907030
Re: International (Non-US) versus US Equities (The "Arguments")
In my opinion, and others may view this differently of course, if I were to invest at global market cap weight that means I would be betting 40% of my portfolio against America. I’m reminded of what Warren Buffet said to his shareholders in the 2022 Berkshire Hathaway Annual Report (page 9): “At Berkshire we hope and expect to pay much more in taxes during the next decade. We owe the country no less: America’s dynamism has made a huge contribution to whatever success Berkshire has achieved—a contribution Berkshire will always need. We count on the American Tailwind and, though it has been becalmed from time to time, its propelling force has always returned. I have been investing for 80 years—more than one-third of our country’s lifetime. D...
- Sun Feb 18, 2024 12:13 pm
- Forum: Investing - Theory, News & General
- Topic: International (Non-US) versus US Equities (The "Arguments")
- Replies: 5351
- Views: 907030
Re: International (Non-US) versus US Equities (The "Arguments")
+1 Global cap weight is the null/default. Anything outside of that, you're making a bet. Yup. And by making a bet, you are claiming to know (or hoping to know) something about the market that other participants don’t know. That's a huge leap from "considering various factors and making a decision based on your own personality, preferences, value, priorities and goal without knowing what the future holds" to "making a claim that you know something about the market". As for your comment of "hoping to know", do you realize that you are doing exactly that by diversifying into international or any other investment decisions? You are hoping to know that in the future if us underperform significantly, you will be &qu...
- Sun Feb 18, 2024 11:28 am
- Forum: Investing - Theory, News & General
- Topic: International (Non-US) versus US Equities (The "Arguments")
- Replies: 5351
- Views: 907030
Re: International (Non-US) versus US Equities (The "Arguments")
Has anybody adjusted their portfolio based on arguments, one way or the other, in this thread? I'm genuinely curious if this discussion has moved the needle for anybody. There is a benefit even if you do not change your allocation. By publicly arguing your position, you are entrenching your conviction which you will need whenever your approach starts underperforming. Goes for both sides. Even if it turns out you are wrong, it is better to have utter conviction regardless of facts (as long as it is directionally not wrong). Helps stay the course which is lot more important. Pound it in as Munger says. +1 Good stuff. But to answer Joe's question, yes. Somewhat. I am not sure if it is this thread specifically, but I used to think of internati...
- Sat Feb 17, 2024 12:22 pm
- Forum: Investing - Theory, News & General
- Topic: The One-Fund Portfolio as a default suggestion
- Replies: 904
- Views: 242110
Re: The One-Fund Portfolio as a default suggestion
VTI and VXUS in taxable account with AOR(60/40) in our IRA accounts.
Maybe in 10 years we'll move from AOR to AOM.
Loving the iShares one fund ETF's.
Simplicity.
Maybe in 10 years we'll move from AOR to AOM.
Loving the iShares one fund ETF's.
Simplicity.
- Fri Feb 16, 2024 10:15 am
- Forum: Personal Investments
- Topic: How big (if at all) of a mistake would it be for me to go VT instead of VTI/VXUS in taxable?
- Replies: 67
- Views: 5714
Re: How big (if at all) of a mistake would it be for me to go VT instead of VTI/VXUS in taxable?
SPGM is Spider's version of VT. You can TLH VT.VartAndelay wrote: ↑Tue Feb 13, 2024 7:41 amI likely wouldn't tax loss harvest. I'm mostly looking for a set and forget type of approach.climber2020 wrote: ↑Tue Feb 13, 2024 7:40 am What's your plan for tax loss harvesting with VT? TLH is one of the best features of a taxable account.
- Mon Feb 05, 2024 11:20 am
- Forum: Investing - Theory, News & General
- Topic: Why No Love For BND?
- Replies: 183
- Views: 16484
Re: Why No Love For BND?
+1KlangFool wrote: ↑Sun Feb 04, 2024 4:49 pm OP,
After a long bull market, folks confused the BND as CASH. And, they were surprised when the interest rate risen rapidly (which they assumed that it is impossible), the BND dropped.
Now, since the BND dropped, folks start to confuse BND as risky as the total stock market index fund (VTSAX). We start having folks claiming that CASH and VTSAX are all you needs.
This is all recency bias.
KlangFool
This is 100% spot on.
- Sun Feb 04, 2024 11:05 am
- Forum: Personal Investments
- Topic: Is paying off a 2.99% mortgage always a bad idea?
- Replies: 332
- Views: 24988
Re: Is paying off a 2.99% mortgage always a bad idea?
You could do middle ground and go 75/25.Triple digit golfer wrote: ↑Sat Jan 27, 2024 10:49 am Okay, I'm convinced of what I knew all along and deep down knew was the right decision. I won't pay off the mortgage.
In fact, I've never paid a dime extra to it.
I may start thinking of diverting some money into a "payoff fund." I'd keep my portfolio 80/20 and have this payoff money on the side, effectively reducing overall equity allocation and thereby reducing risk.
Another option is simply moving to a 70/30 portfolio or similar, as Klang Fool suggested.
In reality, I'll probably end up doing what I've been doing. Holding an 80/20 portfolio, paying only the required monthly mortgage payment, and saving $75-80k a year.
- Sun Feb 04, 2024 10:25 am
- Forum: Investing - Theory, News & General
- Topic: Asset allocation strategy
- Replies: 37
- Views: 3807
Re: Asset allocation strategy
80/20 in our late 40's.
7 years of expenses in bonds.
We will probably move to 70/30 in our mid 50's or at 60.
7 years of expenses in bonds.
We will probably move to 70/30 in our mid 50's or at 60.
- Fri Feb 02, 2024 8:59 pm
- Forum: Investing - Theory, News & General
- Topic: Allocation - Global market
- Replies: 32
- Views: 2021
- Fri Feb 02, 2024 8:55 pm
- Forum: Investing - Theory, News & General
- Topic: Allocation - Global market
- Replies: 32
- Views: 2021
Re: Allocation - Global market
The answers above make me appreciate the reddit version of bogleheads.
100% U.S. crowd is running rampant on this site and it's getting worse. Terrible to see.
100% U.S. crowd is running rampant on this site and it's getting worse. Terrible to see.
- Wed Jan 31, 2024 11:08 pm
- Forum: Investing - Theory, News & General
- Topic: What are you up YTD? [Year To Date]
- Replies: 5250
- Views: 906948
Re: What are you up YTD? [Year To Date]
-.01% YTD
- Thu Jan 25, 2024 1:17 pm
- Forum: Personal Investments
- Topic: When should I target retirement ?
- Replies: 30
- Views: 3350
Re: When should I target retirement ?
You should probably address your health issues first.
- Thu Jan 25, 2024 1:12 pm
- Forum: Investing - Theory, News & General
- Topic: Why not just VOO and chill?
- Replies: 78
- Views: 8475
Re: Why not just VOO and chill?
Do we really need bonds and international? Funny how these "Why not 100% stocks" posts pop up when the stock market has had a great few months, and not say around March 2020. It's almost as though recency bias were a thing. Exactly! I feel like we could probably use this forum as a predictor of a change in outperformance. Recency bias at its best. If international starts outperforming you will start seeing post like "what percentage of your portfolio should one allocate to international and emerging markets" Doubtful. Ex-US is so hopelessly behind that even if it outperforms for a while at some point, who cares. Maybe for you. But a young investor will be a different story and time frame. Hopefully they don't follow you...
- Thu Jan 25, 2024 1:10 pm
- Forum: Investing - Theory, News & General
- Topic: Why not just VOO and chill?
- Replies: 78
- Views: 8475
Re: Why not just VOO and chill?
+1000ksualum wrote: ↑Thu Jan 25, 2024 9:33 amExactly! I feel like we could probably use this forum as a predictor of a change in outperformance. Recency bias at its best. If international starts outperforming you will start seeing post like "what percentage of your portfolio should one allocate to international and emerging markets"
- Thu Jan 25, 2024 1:07 pm
- Forum: Investing - Theory, News & General
- Topic: Why not just VOO and chill?
- Replies: 78
- Views: 8475
Re: Why not just VOO and chill?
You probably shouldn't invest while looking in the rear view mirror.
- Wed Jan 24, 2024 1:48 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard Cash Plus Account
- Replies: 511
- Views: 69610
Re: Vanguard Cash Plus Account
Vanguard Federal Money Market is 5.3%.
It takes 1 day to transfer cash from the VMFXX settlement account to my checking account. I'll then pay the bills from the checking account. My banking app is stellar quality and speedy.
For my situation, I don't see much of an advantage of getting a cash plus account.
It takes 1 day to transfer cash from the VMFXX settlement account to my checking account. I'll then pay the bills from the checking account. My banking app is stellar quality and speedy.
For my situation, I don't see much of an advantage of getting a cash plus account.
- Tue Jan 23, 2024 10:51 am
- Forum: Personal Investments
- Topic: Sell Bond Fund Now, Never, or Later?
- Replies: 49
- Views: 4779
Re: Sell Bond Fund Now, Never, or Later?
You are less than 10 years from hitting your number. So, how does it makes any sense for you to be 90% stock? KlangFool Klang, Thank you for that analysis! You made one assumption though: I don't want to retire that early, I'd only be 40! I enjoy working and plan on to keep working at least into my 50s, perhaps 60s. Because of my time horizon, that's why I want to be 90% stocks. -Carl Carl J, But, why would you want to give up the option to quit if you want to? Especially when the average return rate of 100/0 versus 70/30 is too small to matter at a high saving rate like yours? Having option is great! KlangFool The other issue is there may be a health life even that won't allow you to work into your 50's and 60's.
- Wed Jan 17, 2024 9:48 am
- Forum: Personal Investments
- Topic: Wife got laid off. Portfolio Review.
- Replies: 35
- Views: 5267
Re: Wife got laid off. Portfolio Review.
33x expenses and not frugal. Normal spenders in a lcol area. ACA gold plan with an almost $0 premium. Seven years of expenses in the bond allocation. Northern Wisconsin boating, fishing, kayaking, hiking, Lake Michigan. We'll probably make $1,0000 a month easily between the two of us. The lowest the portfolio would go during the worst of times is $1.14M. Why would I pay $4,400 in premium? I don't live in a hcol area and live the doctor lifestyle. Wisconsin is a beautiful lcol state. We also live in a LCOL area. So I understand where you are coming from. Your current situation is managed well. Kudos on getting yourself in this position. Just as a thought exercise, understand the levers you have to mitigate adverse events. Part time jobs is ...
- Wed Jan 17, 2024 9:09 am
- Forum: Personal Investments
- Topic: Wife got laid off. Portfolio Review.
- Replies: 35
- Views: 5267
Re: Wife got laid off. Portfolio Review.
The lowest the portfolio would go during the worst of times is $1.14M. That is not even remotely true since the stock market could be down 30% or more in a bear market and your bonds may not keep up with inflation. Why would I pay $4,400 in premium? I don't live in a hcol area and live the doctor lifestyle. $4,400 is extreme but even moderate ongoing health problems can mean that you would be paying a lot of money out of pocket each year with an ACA plan. You will also have lumpy medical expenses like when you need to pay a couple of thousand dollars for dental work. You are also depending on the ACA subsidy and plan continuing the way it is now for the next 20 years until you can get on Medicare. We thankfully cannot discuss politics here...
- Wed Jan 17, 2024 9:06 am
- Forum: Personal Investments
- Topic: Wife got laid off. Portfolio Review.
- Replies: 35
- Views: 5267
Re: Wife got laid off. Portfolio Review.
You're correct. I should have added more details to this comment. I pulled this data from ficalc. It comes from the worst sequence of returns of a 40 year retirement from 1969 to 2009.
- Wed Jan 17, 2024 6:48 am
- Forum: Personal Investments
- Topic: Wife got laid off. Portfolio Review.
- Replies: 35
- Views: 5267
Re: Wife got laid off. Portfolio Review.
33x expenses and not frugal. Normal spenders in a lcol area. ACA gold plan with an almost $0 premium. Seven years of expenses in the bond allocation. Northern Wisconsin boating, fishing, kayaking, hiking, Lake Michigan.
We'll probably make $1,0000 a month easily between the two of us. The lowest the portfolio would go during the worst of times is $1.14M.
Why would I pay $4,400 in premium? I don't live in a hcol area and live the doctor lifestyle.
Wisconsin is a beautiful lcol state.
We'll probably make $1,0000 a month easily between the two of us. The lowest the portfolio would go during the worst of times is $1.14M.
Why would I pay $4,400 in premium? I don't live in a hcol area and live the doctor lifestyle.
Wisconsin is a beautiful lcol state.
- Tue Jan 16, 2024 9:59 pm
- Forum: Personal Investments
- Topic: Wife got laid off. Portfolio Review.
- Replies: 35
- Views: 5267
Re: Wife got laid off. Portfolio Review.
Age: 48M and 46F ..... Approximate Networth: $1.1M ..... Expenses $2,715.00 You do not have a lot of margin of error with being as young as you are. If you could each get seasonal or part time jobs to earn about $600 a month that $1,200 would be almost half of your budget. That would also allow you to make IRA or Roth contributions. You mentioned that you want to do things like fishing and kayaking so your might be able to do some sort of job like being a guide which you might enjoy. That could also help you get more Social Security since that is calculated using your highest 35 years of inflation adjusted earnings an you would have a lot of zero years in that calculation. State of Residence: Wisconsin ....... Rent $1,230.00 There are pros...
- Tue Jan 16, 2024 8:55 pm
- Forum: Personal Investments
- Topic: Wife got laid off. Portfolio Review.
- Replies: 35
- Views: 5267
Re: Wife got laid off. Portfolio Review.
I'm fully retired and my wife just got laid off from her health care position. She worked part time three days a week and loved the part time schedule. She's contemplating taking a year or two off from work but hasn't decided yet. She'll keep up to date with her certifications and licensing every year. I just want to make sure I get second opinions from smart bogleheads that we'll be OK from a portfolio stand point if she decides to chill for a few years or decides not to go back to work at all (I doubt it). Emergency Fund: Checking-$10,000 Debt: $0 Tax Filing Status: Married Filing Jointly Tax Rate: 12% State of Residence: Wisconsin Age: 48M and 46F Desired Asset Allocation: 80/20 possibly 75/25 and slowly moving to 70/30 in my 50's. Desi...
- Tue Jan 16, 2024 8:40 pm
- Forum: Personal Investments
- Topic: Wife got laid off. Portfolio Review.
- Replies: 35
- Views: 5267
Re: Wife got laid off. Portfolio Review.
I'm fully retired and my wife just got laid off from her health care position. She worked part time three days a week and loved the part time schedule. She's contemplating taking a year or two off from work but hasn't decided yet. She'll keep up to date with her certifications and licensing every year. I just want to make sure I get second opinions from smart bogleheads that we'll be OK from a portfolio stand point if she decides to chill for a few years or decides not to go back to work at all (I doubt it). Emergency Fund: Checking-$10,000 Debt: $0 Tax Filing Status: Married Filing Jointly Tax Rate: 12% State of Residence: Wisconsin Age: 48M and 46F Desired Asset Allocation: 80/20 possibly 75/25 and slowly moving to 70/30 in my 50's. Desi...
- Tue Jan 16, 2024 6:10 pm
- Forum: Personal Investments
- Topic: Wife got laid off. Portfolio Review.
- Replies: 35
- Views: 5267
- Tue Jan 16, 2024 6:09 pm
- Forum: Personal Investments
- Topic: Wife got laid off. Portfolio Review.
- Replies: 35
- Views: 5267
Re: Wife got laid off. Portfolio Review.
Thank you!HomeStretch wrote: ↑Tue Jan 16, 2024 5:17 pmI forgot to mention the most important point… enjoy your time off together!
- Tue Jan 16, 2024 3:45 pm
- Forum: Personal Investments
- Topic: Wife got laid off. Portfolio Review.
- Replies: 35
- Views: 5267
Re: Wife got laid off. Portfolio Review.
Thank you!Wannaretireearly wrote: ↑Tue Jan 16, 2024 3:37 pm 2 years cash is what i aspire to for peace of mind and layoff prep (still working on this).
Seems like you will be fine with 30+ times expenses. I hope you both enjoy some time off together.
- Tue Jan 16, 2024 3:45 pm
- Forum: Personal Investments
- Topic: Wife got laid off. Portfolio Review.
- Replies: 35
- Views: 5267
Re: Wife got laid off. Portfolio Review.
… For the income taxes, will i need to estimate the taxes I'll be paying on the realized gains from selling shares from the brokerage account? You can do something simple such as grossing up the $2750/month expenses by x% (10%?, 15%?, no idea if you have state income taxes) to estimate your total expenses so you can calculate the # of years saved in your portfolio. If that calculation is important to you right now. It sounds like your spouse wants to take time off which is reasonable and to consider whether to be re-employed. She may be eligible for unemployment compensation so look into that. If your spouse decides not to go back to work at all, a 3% withdrawal rate for all expenses/taxes is probably okay at your ages. Will you/spouse hav...
- Tue Jan 16, 2024 3:24 pm
- Forum: Personal Investments
- Topic: Wife got laid off. Portfolio Review.
- Replies: 35
- Views: 5267
Re: Wife got laid off. Portfolio Review.
Good points! I'll definitely look into the IRA recommendation.HomeStretch wrote: ↑Tue Jan 16, 2024 3:09 pm I don’t see income taxes as a line item in your expenses of $2715/mo. As long as you are including total expenses (income taxes, etc.) in your 33x portfolio calculation, that’s fine.
Are the IRA1 and IRA2 traditional or Roth IRAs? If not Roth, consider opening and contributing to them this year as much as eligible compensation permits to get the 5-year clock started on initial Roth IRAs and to shift retirement savings from your Taxable account to the Roth accounts which grow tax free.
For the income taxes, will i need to estimate the taxes I'll be paying on the realized gains from selling shares from the brokerage account?
- Tue Jan 16, 2024 2:47 pm
- Forum: Personal Investments
- Topic: Wife got laid off. Portfolio Review.
- Replies: 35
- Views: 5267
Re: Wife got laid off. Portfolio Review.
She's a dietitian. I'll have to ask her but I think she has to keep up top date on her education hours. I can't remember the term.
- Tue Jan 16, 2024 2:40 pm
- Forum: Personal Investments
- Topic: Wife got laid off. Portfolio Review.
- Replies: 35
- Views: 5267
Wife got laid off. Portfolio Review.
I'm fully retired and my wife just got laid off from her health care position. She worked part time three days a week and loved the part time schedule. She's contemplating taking a year or two off from work but hasn't decided yet. She'll keep up to date with her certifications and licensing every year. I just want to make sure I get second opinions from smart bogleheads that we'll be OK from a portfolio stand point if she decides to chill for a few years or decides not to go back to work at all (I doubt it). Emergency Fund: Checking-$10,000 Debt: $0 Tax Filing Status: Married Filing Jointly Tax Rate: 12% State of Residence: Wisconsin Age: 48M and 46F Desired Asset Allocation: 80/20 possibly 75/25 and slowly moving to 70/30 in my 50's. Desir...
- Mon Jan 15, 2024 11:54 pm
- Forum: Personal Finance (Not Investing)
- Topic: For those retired or FI, how much do you spend annually?
- Replies: 499
- Views: 80219
Re: For those retired or FI, how much do you spend annually?
I'm 48 retired and wife is 45. The wife just got laid off today. She'll return to part time work at some point but for now she'll enjoy some early retirement for awhile. Rent $1,230.00 Food/Gas $1,000.00 Insurance $200.00 Electric $100.00 Cellular $50.00 Internet $60.00 Water $30.00 Netflix $15.00 Prime Video $10.00 Gym $20.00 Total $2,715X12=$32,580 $32,580X25=$814,500 Our portfolio is $1,100,000 at the moment. We're pulling out around 2.9% for expenses. We have an ACA gold plan. The ACA premium is almost $0 now that we'll be using the portfolio. I'll have to do a Roth conversion at some point to stay above the medicaid cutoff. We live in a LCOL area.
- Sat Dec 30, 2023 6:38 pm
- Forum: Investing - Theory, News & General
- Topic: What are you up YTD? [Year To Date]
- Replies: 5250
- Views: 906948
Re: What are you up YTD? [Year To Date]
19.98% YTD
- Fri Dec 29, 2023 11:45 am
- Forum: Investing - Theory, News & General
- Topic: What was the investment climate like in the bull market 10 years ago?
- Replies: 55
- Views: 7581
Re: What was the investment climate like in the bull market 10 years ago?
The markets constantly climb the wall of worry every single day.
Stay the course with the allocation that you're comfortable with through the best and worst times.
Stay the course with the allocation that you're comfortable with through the best and worst times.
- Thu Dec 14, 2023 11:04 pm
- Forum: Investing - Theory, News & General
- Topic: Bonds in Portfolio? Why...I am so confused
- Replies: 388
- Views: 89860
Re: Bonds in Portfolio? Why...I am so confused
SORR- Sequence of Returns Risk...
- Sun Dec 03, 2023 12:03 pm
- Forum: Investing - Theory, News & General
- Topic: Safe withdrawal rate for portfolios composed of SP500 only
- Replies: 53
- Views: 6973
Re: Safe withdrawal rate for portfolios composed of SP500 only
Have you read the multi-part “safe withdrawal rate series” at EarlyRetirementNow? The entire series is an interesting read. Part 1 of the series (link below) includes a chart showing the safe withdrawal rates at varying equity % (equity = S&P500) for varying withdrawal periods. For a 30 year period, the “safe” withdrawal rate with a 100% success rate is 3.5% at 100/0 versus 3.75% at each of 75/25 and 50/50. For time periods tested of 50+ years, 100/0 has the highest “safe” withdrawal rate. https://earlyretirementnow.com/2016/12/07/the-ultimate-guide-to-safe-withdrawal-rates-part-1-intro This is really the answer. For a 30 year retirement, the worst case (which is really what is indicated by SWR) is improved by a bit of fixed income whe...
- Tue Nov 28, 2023 10:20 am
- Forum: Personal Investments
- Topic: Are there any downside to Vanguard Life Strategy funds
- Replies: 97
- Views: 10886
Re: Are there any downside to Vanguard Life Strategy funds
- Mon Nov 20, 2023 2:44 pm
- Forum: Investing - Theory, News & General
- Topic: International (Non-US) versus US Equities (The "Arguments")
- Replies: 5351
- Views: 907030
Re: International (Non-US) versus US Equities (The "Arguments")
VT and chill...
- Thu Nov 16, 2023 7:42 pm
- Forum: Investing - Theory, News & General
- Topic: Cant seem to glide!
- Replies: 30
- Views: 4379
Re: Cant seem to glide!
+1Exchme wrote: ↑Thu Nov 16, 2023 4:41 pm In the SWR studies, a 4% withdrawal rate for 30 years has about the best outcomes at 75/25 (that's what Bengen recommended). So maybe what needs to change is worrying about people telling you what to do. If you are comfortable with the volatility of 80/20 in pursuit of the possible extra gains, then it's perfectly OK. No one can say what will be the best course of action in the future.
It sounds like 80/20 is your suitable asset allocation through good and bad times. Maybe just float between 75/25 and 80/20. 50/50 might be too conservative base don your behavior.
- Thu Oct 26, 2023 11:07 pm
- Forum: Personal Investments
- Topic: Having trouble deciding to do VT or VTI/VXUS
- Replies: 36
- Views: 5648
Re: Having trouble deciding to do VT or VTI/VXUS
I do VT in taxable.
I value simplicity and avoiding behavioral issues. It keeps me from making a behavioral error to the dark side of the non-diversified U.S. only club.
This is just me though. VTI and VXUS in taxable is fine too. Just don't make a behavioral error.
I value simplicity and avoiding behavioral issues. It keeps me from making a behavioral error to the dark side of the non-diversified U.S. only club.
This is just me though. VTI and VXUS in taxable is fine too. Just don't make a behavioral error.
- Thu Oct 19, 2023 10:10 am
- Forum: Investing - Theory, News & General
- Topic: How to "construct" VT for a taxable account
- Replies: 26
- Views: 2615
Re: How to "construct" VT for a taxable account
VT (vanguard's total world equities ETF) is not the ideal security for a taxable account because it does not give you an opportunity to "sell the losers" to minimize taxes later on. It would make more sense to "construct" VT with multiple securities. For instance, you could buy VTI (US) + VXUS (international) weighted by capitalization. Inevitably, one will outperform the other, and you can sell the worst performer when drawing funds in retirement to avoid taxes. Even better would be to divide this further into numerous funds (i.e. VOO + mid cap + small cap + developed international index + emerging markets). Is there an efficient way to do this without having a ridiculous number of funds, and how can one look up up-to-...
- Wed Oct 18, 2023 1:13 pm
- Forum: Investing - Theory, News & General
- Topic: Article: "Why "VT and Chill" Is Probably the Best ETF Investing Strategy Out There"
- Replies: 69
- Views: 19198
Re: Article: "Why "VT and Chill" Is Probably the Best ETF Investing Strategy Out There"
I VT, BND and chill...
The real two fund portfolio.
The ultimate in simplicity and investing enlightenment....
The real two fund portfolio.
The ultimate in simplicity and investing enlightenment....