Search found 5325 matches

by lostdog
Fri Feb 23, 2024 5:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Cash Plus Account
Replies: 458
Views: 61910

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?
by lostdog
Sun Feb 18, 2024 12:16 pm
Forum: Investing - Theory, News & General
Topic: International (Non-US) versus US Equities (The "Arguments")
Replies: 5216
Views: 832295

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...
by lostdog
Sun Feb 18, 2024 12:13 pm
Forum: Investing - Theory, News & General
Topic: International (Non-US) versus US Equities (The "Arguments")
Replies: 5216
Views: 832295

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...
by lostdog
Sun Feb 18, 2024 11:28 am
Forum: Investing - Theory, News & General
Topic: International (Non-US) versus US Equities (The "Arguments")
Replies: 5216
Views: 832295

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...
by lostdog
Sat Feb 17, 2024 12:22 pm
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 872
Views: 235014

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. :beer
by lostdog
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: 5535

Re: How big (if at all) of a mistake would it be for me to go VT instead of VTI/VXUS in taxable?

VartAndelay wrote: Tue Feb 13, 2024 7:41 am
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.
I likely wouldn't tax loss harvest. I'm mostly looking for a set and forget type of approach.
SPGM is Spider's version of VT. You can TLH VT.
by lostdog
Mon Feb 05, 2024 11:20 am
Forum: Investing - Theory, News & General
Topic: Why No Love For BND?
Replies: 183
Views: 16310

Re: Why No Love For BND?

KlangFool 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
+1

This is 100% spot on.
by lostdog
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: 24672

Re: Is paying off a 2.99% mortgage always a bad idea?

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.
You could do middle ground and go 75/25.
by lostdog
Sun Feb 04, 2024 10:25 am
Forum: Investing - Theory, News & General
Topic: Asset allocation strategy
Replies: 37
Views: 3757

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.
by lostdog
Fri Feb 02, 2024 8:59 pm
Forum: Investing - Theory, News & General
Topic: Allocation - Global market
Replies: 32
Views: 2000

Re: Allocation - Global market

popoki wrote: Fri Feb 02, 2024 4:31 pm Ex-US has been underperforming US for a long time.

Today's performance might make you throw in the towel: VTI +0.88%, VXUS -0.70%.

I'm 100% US.
:oops:

Why would someone make a bad decision based on one day?
by lostdog
Fri Feb 02, 2024 8:55 pm
Forum: Investing - Theory, News & General
Topic: Allocation - Global market
Replies: 32
Views: 2000

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. :oops:
by lostdog
Thu Jan 25, 2024 1:17 pm
Forum: Personal Investments
Topic: When should I target retirement ?
Replies: 30
Views: 3328

Re: When should I target retirement ?

You should probably address your health issues first.
by lostdog
Thu Jan 25, 2024 1:12 pm
Forum: Investing - Theory, News & General
Topic: Why not just VOO and chill?
Replies: 78
Views: 8134

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...
by lostdog
Thu Jan 25, 2024 1:10 pm
Forum: Investing - Theory, News & General
Topic: Why not just VOO and chill?
Replies: 78
Views: 8134

Re: Why not just VOO and chill?

ksualum wrote: Thu Jan 25, 2024 9:33 am
02nz wrote: Wed Jan 24, 2024 6:39 pm
thatbrian wrote: Wed Jan 24, 2024 3:02 pm 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"
+1000
by lostdog
Thu Jan 25, 2024 1:07 pm
Forum: Investing - Theory, News & General
Topic: Why not just VOO and chill?
Replies: 78
Views: 8134

Re: Why not just VOO and chill?

You probably shouldn't invest while looking in the rear view mirror.
by lostdog
Wed Jan 24, 2024 1:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Cash Plus Account
Replies: 458
Views: 61910

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.
by lostdog
Tue Jan 23, 2024 10:51 am
Forum: Personal Investments
Topic: Sell Bond Fund Now, Never, or Later?
Replies: 49
Views: 4692

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.
by lostdog
Wed Jan 17, 2024 9:48 am
Forum: Personal Investments
Topic: Wife got laid off. Portfolio Review.
Replies: 35
Views: 5220

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 ...
by lostdog
Wed Jan 17, 2024 9:09 am
Forum: Personal Investments
Topic: Wife got laid off. Portfolio Review.
Replies: 35
Views: 5220

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...
by lostdog
Wed Jan 17, 2024 9:06 am
Forum: Personal Investments
Topic: Wife got laid off. Portfolio Review.
Replies: 35
Views: 5220

Re: Wife got laid off. Portfolio Review.

goingup wrote: Wed Jan 17, 2024 7:52 am
lostdog wrote: Wed Jan 17, 2024 6:48 am The lowest the portfolio would go during the worst of times is $1.14M.
This seems incorrect. Your stock funds could lose 50% or more during a major slump. Cut that $800K in half. So $400K plus your $200K in bonds. I think the lowest it could go would be $600K. :confused
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.
by lostdog
Wed Jan 17, 2024 6:48 am
Forum: Personal Investments
Topic: Wife got laid off. Portfolio Review.
Replies: 35
Views: 5220

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.
by lostdog
Tue Jan 16, 2024 9:59 pm
Forum: Personal Investments
Topic: Wife got laid off. Portfolio Review.
Replies: 35
Views: 5220

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...
by lostdog
Tue Jan 16, 2024 8:55 pm
Forum: Personal Investments
Topic: Wife got laid off. Portfolio Review.
Replies: 35
Views: 5220

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...
by lostdog
Tue Jan 16, 2024 8:40 pm
Forum: Personal Investments
Topic: Wife got laid off. Portfolio Review.
Replies: 35
Views: 5220

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...
by lostdog
Tue Jan 16, 2024 6:10 pm
Forum: Personal Investments
Topic: Wife got laid off. Portfolio Review.
Replies: 35
Views: 5220

Re: Wife got laid off. Portfolio Review.

JR52 wrote: Tue Jan 16, 2024 5:28 pm Expenses seem light and there are a bunch of things missing which I would consider basic. You know your expenses better than anyone, but I’d take a closer look.
Valid points. I'll take a closer look.
by lostdog
Tue Jan 16, 2024 6:09 pm
Forum: Personal Investments
Topic: Wife got laid off. Portfolio Review.
Replies: 35
Views: 5220

Re: Wife got laid off. Portfolio Review.

HomeStretch wrote: Tue Jan 16, 2024 5:17 pm
lostdog wrote: Tue Jan 16, 2024 3:45 pm We'll have SS income in the future. In FIcalc, I put in the minimum social security payment for each of us. Thanks for the additional points and I'll take these into consideration.
I forgot to mention the most important point… enjoy your time off together!
Thank you!
by lostdog
Tue Jan 16, 2024 3:45 pm
Forum: Personal Investments
Topic: Wife got laid off. Portfolio Review.
Replies: 35
Views: 5220

Re: Wife got laid off. Portfolio Review.

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.
Thank you! :sharebeer
by lostdog
Tue Jan 16, 2024 3:45 pm
Forum: Personal Investments
Topic: Wife got laid off. Portfolio Review.
Replies: 35
Views: 5220

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...
by lostdog
Tue Jan 16, 2024 3:24 pm
Forum: Personal Investments
Topic: Wife got laid off. Portfolio Review.
Replies: 35
Views: 5220

Re: Wife got laid off. Portfolio Review.

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.
Good points! I'll definitely look into the IRA recommendation.

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?
by lostdog
Tue Jan 16, 2024 2:47 pm
Forum: Personal Investments
Topic: Wife got laid off. Portfolio Review.
Replies: 35
Views: 5220

Re: Wife got laid off. Portfolio Review.

sailaway wrote: Tue Jan 16, 2024 2:45 pm Doesn't staying current require working a certain number of hours? Would she be interested in applying to travel nurse positions? My niece does this without ever leaving the region, although she sometimes stretches it enough to get the actual travel bonus.
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.
by lostdog
Tue Jan 16, 2024 2:40 pm
Forum: Personal Investments
Topic: Wife got laid off. Portfolio Review.
Replies: 35
Views: 5220

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...
by lostdog
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: 79478

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.
by lostdog
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: 7265

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.
by lostdog
Thu Dec 14, 2023 11:04 pm
Forum: Investing - Theory, News & General
Topic: Bonds in Portfolio? Why...I am so confused
Replies: 388
Views: 88376

Re: Bonds in Portfolio? Why...I am so confused

SORR- Sequence of Returns Risk...
by lostdog
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: 6897

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...
by lostdog
Tue Nov 28, 2023 10:20 am
Forum: Personal Investments
Topic: Are there any downside to Vanguard Life Strategy funds
Replies: 97
Views: 10717

Re: Are there any downside to Vanguard Life Strategy funds

KlangFool wrote: Tue Nov 28, 2023 9:34 am
David Jay wrote: Tue Nov 28, 2023 9:23 am You already mentioned it, but to re-emphasize: There funds (both LS and TR) are not very tax-efficient and are best held in non-taxable accounts.
1) The person's taxable account could be so small that tax efficiency does not matter.

2) The person could use LS and TR in the tax advantaged account and 100% stock index in the taxable account.

KlangFool
+1
by lostdog
Thu Nov 16, 2023 7:42 pm
Forum: Investing - Theory, News & General
Topic: Cant seem to glide!
Replies: 30
Views: 4331

Re: Cant seem to glide!

Exchme 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.
+1

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.
by lostdog
Thu Oct 26, 2023 11:07 pm
Forum: Personal Investments
Topic: Having trouble deciding to do VT or VTI/VXUS
Replies: 36
Views: 5501

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.
by lostdog
Thu Oct 19, 2023 10:10 am
Forum: Investing - Theory, News & General
Topic: How to "construct" VT for a taxable account
Replies: 26
Views: 2584

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-...
by lostdog
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: 18813

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....
by lostdog
Mon Oct 16, 2023 10:15 am
Forum: Personal Investments
Topic: Global investing vs US investing
Replies: 17
Views: 1889

Re: Global investing vs US investing

Global market cap and chill...

Anything outside of global market cap is a bet/performance chasing.
by lostdog
Sun Oct 15, 2023 11:18 am
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 449
Views: 95638

Re: What ratio are you stocks/bonds and how old are you?

80/20

I'm retired at age 47 and the wife is semi-retired in her professional career at age 45. She works 24 hours a week.

We're gliding down to 75/25 and will stay there for a long time.
by lostdog
Sun Oct 15, 2023 10:32 am
Forum: Investing - Theory, News & General
Topic: Vanguard -- "Are Bonds a Good Investment Right Now?
Replies: 66
Views: 14351

Re: Vanguard -- "Are Bonds a Good Investment Right Now?

I'm 71% in the market, and I am comfortable with that. I do need to withdraw every year to cover part of my expenses, and so I am trying to learn more about fixed income, so that I can cover my withdrawals from fixed income if the market is down. Bonds are "Fixed Income", the trick is figuring out which part is fixed. The actual cash in your account is the fixed part. If you buy $10k into a bond or bond fund at 5% yield, they are promising you $10k * 5% = $500/yr for the duration of the bond/avg duration of the bond fund. So the part that is fixed is the $500/yr, all the other stuff might change(NAV, yield, etc). You do the math once, at the time you buy, and then you can stop and don't ever need to do the math again, until next ...
by lostdog
Sun Oct 15, 2023 10:28 am
Forum: Investing - Theory, News & General
Topic: Vanguard -- "Are Bonds a Good Investment Right Now?
Replies: 66
Views: 14351

Re: Vanguard -- "Are Bonds a Good Investment Right Now?

I'm 71% in the market, and I am comfortable with that. I do need to withdraw every year to cover part of my expenses, and so I am trying to learn more about fixed income, so that I can cover my withdrawals from fixed income if the market is down. To go one step further one can consider the actual baseline BH thought that one covers withdrawals with a rebalanced portfolio of stocks and bonds that does not refer to assets being up or down or even the portfolio being up or down, as it will be one or the other all the time. This is where the whole baseline of the three fund portfolio, having an asset allocation according to need, ability, and willingness to take risk, rebalancing, and understanding the sustainability of an asset allocation und...
by lostdog
Wed Oct 04, 2023 12:35 pm
Forum: Personal Investments
Topic: BND exceeding my patience - need something different
Replies: 169
Views: 19694

Re: BND exceeding my patience - need something different

burritoLover wrote: Tue Oct 03, 2023 1:57 pm Can't wait until cash and short-term treasuries are yielding <1% at some point and all the new posts will be about getting back into BND. It wouldn't be so ridiculous if it weren't so predictable.
When we're back to all time highs, we'll start seeing "why not 100% stock allocation?"....
by lostdog
Mon Oct 02, 2023 8:25 pm
Forum: Investing - Theory, News & General
Topic: With rising yields, owning a home looks less attractive
Replies: 183
Views: 17234

Re: With rising yields, owning a home looks less attractive

tcrez wrote: Thu Sep 28, 2023 1:24 pm
rockstar wrote: Thu Sep 28, 2023 12:07 pm The benefit of home ownership is locking in most of your cost of living other than insurance and property taxes.

I bet twenty years from now that rents will double again.
Meanwhile the renter can save an extra 10k a month (using the numbers I showed above) and invest it in stocks/bonds over the next 20 years. I don’t know the numbers but that’s easily millions. Paying double rent is no big deal when you’ve got a huge huge pot to draw from.
+1
by lostdog
Mon Oct 02, 2023 1:53 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 5973
Views: 690144

Re: [What TV Show Have You Recently Watched?]

vnatale wrote: Mon Oct 02, 2023 1:11 pm
lostdog wrote: Sun Oct 01, 2023 11:27 pm Looking forward to Bosch Legacy season 2 on Freeve this month.
2 questions.

The date?

All episodes at once or 1 per week?
October 10th. I don't know about all at once or weekly.