Search found 156 matches

by dacalo
Mon Jan 08, 2024 8:05 pm
Forum: Personal Investments
Topic: Everyone see NVidia this morning?...good for IRA account?
Replies: 48
Views: 9926

Re: Everyone see NVidia this morning?...good for IRA account?

This is very anti-boglehead, but I do have a few hundred shares of NVDA, been watching it for years. I think AI will be big, almost big as internet, so I have the conviction that NVDA will continue the upward for years to come. That said, it makes up around 3% of my invested assets, with rest being in indexes.
by dacalo
Sun Jun 26, 2022 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 6053
Views: 1036125

Re: Fidelity as a one stop shop

leland wrote: Sun Jun 26, 2022 12:28 pm Is the stated yield net of expense ratios? I've been assuming it's not and while I'm likely missing something, seems like a HYSA/checking with quick transfers will do equivalent / better (e.g. Marcus, T-Mobile, etc.). I live in a no-tax state so that simplifies things a bit, though.
It's always net.
by dacalo
Wed Jun 22, 2022 6:19 pm
Forum: Personal Investments
Topic: Question for Fundrise investors
Replies: 7
Views: 1923

Re: Question for Fundrise investors

I dipped my toes into Fundrise, investing 5 figures. I also have 6 figure investment with DLP Capital. After using both for 9 months, I am withdrawing from Fundrise and moving the rest of the funds into DLP.

Reasons:
  • DLP is more tax efficient (benefit of depreciation vs regular 1099 from Fundrise)
  • More transparency from DLP, including audited financials, quarterly financial statements, regular Q&A from CEO himself
  • More investment offerings from DLP, giving me flexibility and options down the road
None of these are Boglehead-like investments, although there are some here who do here. But I feel comfortable with my decision.
by dacalo
Wed Sep 08, 2021 4:09 pm
Forum: Investing - Theory, News & General
Topic: Staying motivated in the middle of the game
Replies: 59
Views: 12233

Re: Staying motivated in the middle of the game

Our income also has negligible effect on our investments, but we keep a monthly tracker. It is fun to see the balances grow. We also set annual goals and try to beat those as well.
by dacalo
Mon Sep 06, 2021 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice
Replies: 13
Views: 2009

Re: Career Advice

Update: I was looking at my old messages and saw this post that is a few years old. Wanted to provide an update. I ended up leaving the job. Went to a startup with almost 2 hour commute each way. However, it ended up going IPO about 2 years after I joined. Learned a lot and grew tremendously as a person. Financially, life changing due to the IPO and we are FI now but haven't RE yet, although I took a good 5-6 months off. I just started at another promising startup a couple of months ago. Going to assess every year to see whether to pull the plug or not. Personally, it paid off to take the risk. Now, IPO is never a sure thing, but I think the hot market definitely helped as we saw a record number of IPOs, although not all of them were succes...
by dacalo
Fri Sep 03, 2021 4:54 pm
Forum: Personal Investments
Topic: Pay down mortgage at 2.75% or invest?
Replies: 177
Views: 19878

Re: Pay down mortgage at 2.75% or invest?

KlangFool wrote: Thu Sep 02, 2021 8:16 pm OP,

Unless and until you are financially independent, it does not make sense to pay down or pay off your mortgage. Invest the extra money into your portfolio. You will reach your financial freedom faster.

KlangFool
We are FI but we continue to invest. Our interest rate is very low, and the thing about making extra payments to mortgage is that benefit is not realized until the FULL balance is paid off; in other words, the mortgage payment amount continues to be static whether you still own 80% or 20% of the mortgage. Yes you save on interest but you would be earning more if invested theoretically.
by dacalo
Thu Aug 26, 2021 1:59 pm
Forum: Personal Investments
Topic: Advice on selling company stock options (ISO)
Replies: 5
Views: 831

Re: Advice on selling company stock options (ISO)

As others have mentioned beware of AMT. We are in a similar situation and liquidating our exercised shares this year, but we are planning to keep a couple thousand shares since we already paid AMT on them last year before the company went IPO and the valuation at the time was much lower than currently traded prices. Anything recently exercised are going to be sold despite us having to pay ordinary tax rate on them which will be almost 50% :?
by dacalo
Thu Aug 26, 2021 1:46 pm
Forum: Personal Consumer Issues
Topic: Honda CRV EX-L hybrid 2021 model
Replies: 33
Views: 3429

Re: Honda CRV EX-L hybrid 2021 model

Now is the worst time to buy a car due to all the shortages. Accordingly, dealerships are adding "dealer add-on" to ALL cars in tune of 10% - 20%, not just the ones in high demand. I would imagine hybrid CRV would be in high demand due to high gas prices. Those fees look ridiculous though. As a Tesla Model 3 owner, it's a game changer. We have taken it for 300+ mile trips multiple times and there are sufficient chargers (Tesla super chargers) for your needs. They are much cheaper than gas too and in 15 minutes, you will gain 200+ miles in range. I would imagine NJ has sufficient Superchager network for your needs if you need to travel long distance. As for a home charger, we didn't get a Tesla brand. We got one that plugs into a r...
by dacalo
Wed Aug 25, 2021 4:34 pm
Forum: Personal Investments
Topic: What brokerage/app for a new custodial account for my son
Replies: 10
Views: 936

Re: What brokerage/app for a new custodial account for my son

Fidelity would fit the bill. They have custodial accounts with fractional investing with great customer service.
by dacalo
Wed Aug 11, 2021 10:07 pm
Forum: Investing - Theory, News & General
Topic: Lump sum vs averaging over time
Replies: 18
Views: 2197

Re: Lump sum vs averaging over time

You should do a search, there has been countless discussions on this topic.

Personally, I would do lump sum. In fact, I just invested mid 6 figures lump sum 2 weeks ago. I would have done the same if it was 7 figures. I don't want to waste energy hesitating and second guessing when it has been proven that time in the market > timing the market.
by dacalo
Wed Jul 21, 2021 1:06 pm
Forum: Personal Investments
Topic: ISO sale advice
Replies: 4
Views: 574

Re: ISO sale advice

Do whatever makes you sleep at night.

I worked at a startup and didn't participate in any of the tenders. Really didn't move the needle for us so I approached it as all or nothing. It did pay off for us, as when the company IPO'ed, the price went up significantly, to a point where we became FI. But each company is different, and the risk of whether IPO will actually happen or not is always there.
by dacalo
Mon Feb 15, 2021 5:38 pm
Forum: Investing - Theory, News & General
Topic: Taking profits
Replies: 8
Views: 1288

Re: Taking profits

I think there are two ways to look at this. Either 1) you feel like the gain is sufficient and you want to lower the risk or 2) you ride the fund for further gains. I don't really think you can lose with either option currently.

I personally believe that we are in a very equity friendly environment and will attempt to fully take advantage to the extent I feel comfortable. This means even though majority of my holdings are in index ETFs/funds, I have allocated a portion that I feel comfortable with into more aggressive investments. Will they play out? Nothing is guaranteed, but I am willing to roll the dice.
by dacalo
Mon Feb 08, 2021 5:19 pm
Forum: Personal Investments
Topic: Would love feedback- burned out at work
Replies: 50
Views: 7196

Re: Would love feedback- burned out at work

Thank you everyone for your perspective. UPDATE: We have opened 529 accounts for our little ones and will start contributing. Work update - I am the sole person in management position in a department so it's difficult for me to step away at the moment (I am building the team). We are looking for a replacement for my ex-boss. I was hoping things could only go up but it seems like there is some serious politics with certain individual playing the gate keeper of candidates, although this person isn't familiar with the job requirements. This is a start up and most of execs here are green (I have a diverse experience) and they are letting this play out. I am going to do my part and advocate as much as I can, but this may be a situation where I n...
by dacalo
Mon Feb 08, 2021 2:52 pm
Forum: Investing - Theory, News & General
Topic: TSLA: What Changed?
Replies: 1158
Views: 138213

Re: TSLA: What Changed?

Tesla's going to have increasing competition in the electric car market: Hyundai, Aspark (Japan), Audi, Jaguar, Lexus, Chevrolet, Mazda, Mercedes, BMW, Cadillac, Ford, GMC, Lotus, Nissan, and others. https://tinyurl.com/yyro98he It's going to be an increasingly crowded (and competitive) space. Consumers will have choices, and at multiple price points. Competition is good. But the rest of the companies are ~10 years behind from battery and electric motor efficiency perspective (not to mention Autopilot). You have to remember, Tesla has been focusing on EV tech all this time, while the companies you mentioned have to transition R&D to EV (with exception of Nissan and some of others but they are still way behind). I have driven EV's avail...
by dacalo
Sat Feb 06, 2021 4:00 pm
Forum: Personal Investments
Topic: $300k should I put it at once for VSTAX VFIAX?
Replies: 20
Views: 4343

Re: $300k should I put it at once for VSTAX VFIAX?

I've had sizable money to invest in lump sums in past 6 months, and I've done lump sum when the funds became available. It worked out well for me.
by dacalo
Thu Feb 04, 2021 6:34 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 5086
Views: 400601

Re: [GameStop GME trading mega-thread]

I invested in upper five figures in GME last week and got out Friday morning when the market opened with a nice gain. Stupid me got back in on Monday with some of the gain, but you all know what happened after. Sold all of my positions but still came on top. Consider myself very lucky compared to some of the participants.

Back to my boring index investing ways.
by dacalo
Thu Feb 04, 2021 4:53 pm
Forum: Personal Investments
Topic: Would love feedback- burned out at work
Replies: 50
Views: 7196

Re: Would love feedback- burned out at work

Thank you everyone for your thoughtful responses. I have read every single response and they are somewhat representable of all the echoes and thoughts rushing through my head. For some clarity, we haven't put anything into 529 yet as we wanted to make sure we get our retirement taken care of first. We definitely plan to help our children in their pursuit of education if they chose to. For the tax situation on the IPO, it will be around 45% for combined federal and state. To be conservative, I am going to use 50% tax rate on the IPO earnings. As of today's closing price, our NW excluding house equity would be just under $2.9M if we account for expected tax (we plan to hold just above 10% of total shares for LT). We expect the company to do w...
by dacalo
Thu Feb 04, 2021 1:37 pm
Forum: Personal Investments
Topic: Would love feedback- burned out at work
Replies: 50
Views: 7196

Would love feedback- burned out at work

Hello Bogleheads, We are very fortunate in that we became FI due to some significant events (IPO, hot stock market) in 2020. I have been an avid reader and thought I would be ready to navigate through all the options at disposal, but find that I don't have a concrete plan. All numbers below represent index funds with exception of taxable as noted and cash. Only bond we hold is in PSLDX in Roth, and we will continue to hold mostly in equities while bumping up cash to ~5 year buffer. Situation: Married, 2 kids, thinking of a 3rd but haven't decided yet. We are late bloomers. Him:41 (~$150k income) Her: 35 (staying home for now, but earned ~$90k per year) 401k: 335k Roth IRA: 107k HSA: 20k (balance from old plan) Taxable: 3.7M (~85% tied to IP...
by dacalo
Fri Jan 29, 2021 7:45 pm
Forum: Investing - Theory, News & General
Topic: I still believe in “getting rich slowly”
Replies: 91
Views: 11338

Re: I still believe in “getting rich slowly”

I am mostly an index investor, but I did/do participate in bitcoin and GME with fun money. I am slightly up in Bitcoin but made a nice gain from GME in 5 days that will pay for our front and backyard remodeling and significantly bump up our emergency fund as we always wanted.

What I am saying is that you can have some fun money.
by dacalo
Fri Jan 29, 2021 3:13 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 5086
Views: 400601

Re: [GameStop GME trading mega-thread]

My diamond hands gave away this morning. Held all week through all the up and downs (especially yesterday's huge drop) and sold most of my positions at the peak today.

I learned even more about the market and the hedge funds through this experience; it somewhat made me lose faith in the market. Most of my holdings are in index funds, and gains from this experience will add more than just additional VTI.

EDIT: Still holding some shares.
by dacalo
Wed Jan 27, 2021 12:25 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 5086
Views: 400601

Re: GameStop GME: anyone joining?

Added mid five figures earlier today to my position from yesterday. Up 45% in less than 2 days. This is insane! :twisted:

At the end of all this, will split the gains between VTI, donations, and costs for our yards (was going to use cash).
by dacalo
Tue Jan 26, 2021 4:03 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 5086
Views: 400601

Re: GameStop GME: anyone joining?

I am guilty of dropping five figures (my fun money) into GME and BB and now they are stonks.

Riding them to the moooonnn and eating tendies.
by dacalo
Sat Jan 16, 2021 12:43 pm
Forum: Investing - Theory, News & General
Topic: On what are you most bullish?
Replies: 290
Views: 28220

Re: On what are you most bullish?

You too???? I’ll see you on the moon 🚀 🚀 🚀 Ethical concerns? You understand what they do with governments, right? To be fair that is a legitimate concern of mine. The tech has other applications too. I’m hoping they’ll get their moral compass straitened out. And not to burst anyone’s bubble, but anyone that indexes is already invested in the most ethically dubious companies. It’s our dirty little secret. Mostly unrelated, I’m also looking to grab some Roblox when the company goes public next month. Uh oh, rocket emojis made it to bogleheads. Next thing I know, we'll have GME threads. Melvin Capital must be shaking in their boots. Haha that’s funny. I wonder how many BH members cross over to that forum. It’s entertaining. *raises hand* :gre...
by dacalo
Mon Jan 04, 2021 11:56 am
Forum: Personal Finance (Not Investing)
Topic: I'm 40 and when do I retire? first world problem?
Replies: 62
Views: 13342

Re: I'm 40 and when do I retire? first world problem?

Congratulations. Seems like your community lost a decent officer. Here's to your retirement! :sharebeer
by dacalo
Fri Jan 01, 2021 7:15 pm
Forum: Personal Investments
Topic: How many reached FI goal in 2020?
Replies: 62
Views: 5479

Re: How many reached FI goal in 2020?

Hit about 40X annual expense due to an IPO. Still working and trying to pad our savings and payoff the house. Will consider early retirement if we hit 50X.
by dacalo
Tue Dec 29, 2020 12:30 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 4288
Views: 1081742

Re: Share your net worth progression

kcxie wrote: Sun Dec 27, 2020 11:45 pm
Something happened this year. From less than 1 m to more than 3 m?
can you elaborate what is going on?
That is very impressive!
It was an IPO that was very successful. Got very lucky.
by dacalo
Sun Dec 27, 2020 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 4288
Views: 1081742

Re: Share your net worth progression

41 years old

Started tracking back in 2012, excludes home equity:

2012 - $90k
2015 - $120k
2017 - $300k
2019 - $800k
Now - $3.3M
by dacalo
Sun Dec 27, 2020 6:24 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 1156
Views: 151935

Re: What is your age and asset allocation ?

I am 41, wife 35. $3M invested, excluding equity in our home.

We are approximately 1.5% cash and rest in equity. Thinking of converting about $200k into bonds from equity and then keep contributing to equity. Or just stay the course and keep accumulating to equity.

We have approximately $598k remaining in our mortgage, but thinking about just investing more rather than paying it down since the rate is so low.
by dacalo
Tue Dec 15, 2020 3:25 pm
Forum: Investing - Theory, News & General
Topic: Anyone else hoarding cash right now?
Replies: 262
Views: 37744

Re: Anyone else hoarding cash right now?

I bought even MORE during the downturn because I have seen this tune before. I did save more cash past 3 months to rebuild our emergency fund but buying equity is business as usual. The thing is, NOBODY knows what's going to happen in the future so I just buy and buy.
by dacalo
Mon Dec 07, 2020 11:23 am
Forum: Investing - Theory, News & General
Topic: Why not ARK funds if one is investing in QQQ?
Replies: 58
Views: 8497

Re: Why not ARK funds if one is investing in QQQ?

I hold a very small position in ARK (<%1 of my total investments), although it is not very boglehead-like. It has done very well but since my position is small, doesn't move the needle. It is fun to invest in it though.

If you have sufficient amount invested and you would like to take a small position in it, don't see why not.
by dacalo
Fri Sep 11, 2020 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Open a HELOC? With whom?
Replies: 39
Views: 6280

Re: Open a HELOC? With whom?

mervinj7 wrote: Fri Sep 11, 2020 2:53 pm
willthrill81 wrote: Fri Sep 11, 2020 2:51 pm I know that this is an old thread, but I thought that some might find it worthwhile to considering opening a HELOC at Third Federal. We just closed on one this morning, and the rate is .26% below prime (which is currently 3.25%, so the rate on the HELOC right now is 2.99%, lower than the first mortgage we paid off earlier this year), and there were no costs to us whatsoever. We don't intend to use it, but we opened it in the event that we might need to do so.
Will, do they have a yearly fee anymore? I think it's used to be $75 back in the day but I may be remembering wrong.
I see $65 annual fee but waived the first year.
by dacalo
Thu Sep 03, 2020 6:59 pm
Forum: Personal Investments
Topic: Family member has one million in one stock , doesn't want to cash out
Replies: 314
Views: 45824

Re: My dad has 1 million in Tesla, I told him to cash out, he doesn't want too

7eight9 wrote: Thu Sep 03, 2020 6:02 pm As if today's action (down 9.02%) wasn't bad enough extended hours now showing Bid: 384.95 Ask: 385.40 (down another 5%+).
Not just TSLA but AAPL, NVDA and other techs took a beating. I am sure OP's dad is seeing a lot of red. But in the long run, i am sure it will work out fine.
by dacalo
Thu Aug 20, 2020 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 1849
Views: 215518

Re: My LenderFi refinance is going well

Refinance was funded 7/31 but I haven't received any payment coupons or any communication regarding the new mortgage. Getting a little worried here. Oh and Ally (my previous mortgage) owes me previous month's mortgage due to their ancient system that didn't let me cancel auto payment.
by dacalo
Fri Jun 26, 2020 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 12862
Views: 1276450

Re: Refinance Mega Thread

Berean wrote: Thu Jun 25, 2020 10:33 pm I am applying to four different lenders to get the best refi deal. Each one requires all my crucial personal information, including Social Security number and date of birth. Should I be leery? Is there any way around it?

Should I list my wife as a co-borrower? I have not done so yet because my income is sufficient to qualify for the best loan terms, and I did not want to disclose her personal information if not necessary. But I just remembered that the deed to our house is in the name of our family living trust, and we are both on the current loan. If her name is not on the loan and I die, what happens?
Didn’t add wife for the loan, but she is on the title.
by dacalo
Thu Jun 25, 2020 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 12862
Views: 1276450

Re: Refinance Mega Thread

Thank you everyone for the feedback. Called the loan officer and he presented 30-year 2.875% with no closing cost shortly after I posted. :beer
by dacalo
Thu Jun 25, 2020 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 12862
Views: 1276450

Re: Refinance Mega Thread

Question for folks who applied to LenderFi - how far in the process do you have to go before you are presented with their "lower" rates compared to their website? I just started the application process and gave them by personal info, but haven't submitted or signed any papers (disclosures etc) and their rates don't look that great. For example, I am looking at 3% 30 year for $600k loan and it requires $3.1k in points still. Would appreciate any advice.

UPDATE: I called the loan officer assigned to me, and basically stated that I am ready to refinance within next couple of days and shopping around. The offer received is 30 year 2.875% with no closing cost. Have 30 year 3.5% loan now so super happy about this. :beer
by dacalo
Thu Jun 18, 2020 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 12862
Views: 1276450

Re: Refinance Mega Thread

Update on LenderFi - as mentioned last page they are definitely offering better rates over the phone. I'm in a superconforming, as of this morning the web tool was showing 3.375 with no costs. On the phone they quoted me 3.125 with no costs + their rate guarantee to rewrite the loan for free if the rate drops more than 0.25 in the first 6 mo of servicing. Right now they are trying to see if they can get the appraisal waived and sweeten the deal some more. :mrgreen: I'm trying to see if my existing lender (NBKC/Costo) will beat, but I don't think they can. Better doesn't offer loans in my state yet (MA) or else Id be all over that Amex deal :oops: Wasn't the case for me, called twice and kept directing me to their website. Maybe when you ca...
by dacalo
Thu Jun 04, 2020 2:42 pm
Forum: Personal Investments
Topic: Does every one here only have 3 funds in their portfolios?
Replies: 131
Views: 10487

Re: Does every one here only have 3 funds in their portfolios?

Not us, although majority of our holdings are total stock market MFs or ETFs. We also have sector specific ETFs and individual stocks.
by dacalo
Tue May 05, 2020 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant Salary Growth
Replies: 37
Views: 6577

Re: Accountant Salary Growth

I think you are doing fine considering cost of living. I started at a regional accounting firm (auditing banks), but decided to join a Big 4 firm with a lot more interesting clients (tech and biotech). It was a great opportunity as I learned a ton but it was stressful and long hours. Looking back, glad got that out of the way before our first kid was born. I think some of the biggest opportunities come when you move to another company. I would learn as much as you can in your current position. Always keep your options open when you see positions you may be interested in. For all aspiring accountants, I think the best path is to join a Big 4, whether that means starting from regional first and transferring. Of course there will be exceptions...
by dacalo
Tue Apr 28, 2020 12:59 pm
Forum: Personal Investments
Topic: How are the "100% Stocks" people doing?
Replies: 256
Views: 41979

Re: How are the "100% Stocks" people doing?

We hold cash for emergency fund but rest is in stocks. Haven't flinched at all and sleeping well at night. Buying stocks at scheduled intervals as usual.
by dacalo
Mon Apr 06, 2020 6:38 pm
Forum: Personal Investments
Topic: Do you want to own the whole haystack [VTI] when someone has a blowtorch?
Replies: 136
Views: 14109

Re: Do you want to own the whole haystack [VTI] when someone has a blowtorch?

I have a slightly different view. I don't see VTI or VTSAX (or any other index funds) as a haystack. Rather, I see it as a stack of different materials. Some are more flammable than others in this environment, and if you pick something that is more flammable, then it might not end well, so WHY NOT own a pile of different materials rather than hoping some materials (single stocks) you pick will not "burn"?
by dacalo
Sat Feb 29, 2020 1:03 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4089
Views: 397114

Re: Coronavirus and the market

Through this week's downturn, I learned that my tolerance level is very high so I learned something new. Went through 2008 downturn too but my asset wasn't that big. I really appreciate this opportunity to pick up shares around December levels.
by dacalo
Tue Feb 25, 2020 2:48 pm
Forum: Personal Investments
Topic: 38 yr old having 2nd thoughts...
Replies: 93
Views: 12228

Re: 38 yr old having 2nd thoughts...

I just turned 40 and I have very minimal bond holdings. All the recent sell off hasn't rattled me at all. If anything, I welcome the market cooling down a little. It was just too crazy past few months.
by dacalo
Thu Feb 20, 2020 12:09 pm
Forum: Personal Investments
Topic: Where to invest emergency fund?
Replies: 27
Views: 3483

Re: Where to invest emergency fund?

anon_investor wrote: Thu Feb 20, 2020 12:06 pm
dacalo wrote: Thu Feb 20, 2020 12:00 pm We have our EF split between STAR fund, VTEB, and savings account. We also have mutual funds and ETFs in taxable if necessary.
Interesting mix of a tax inefficient mutual fund and a muni bond ETF. Any particular reason for that that?
We have to pay taxes on savings account anyways, so don't see paying taxes on STAR fund to be a big deal. We bought STAR a while back. Besides, it's not a significant holding.
by dacalo
Thu Feb 20, 2020 12:06 pm
Forum: Personal Investments
Topic: Have 100% Retirement Accounts, Should I invest in NonRetirement Now or Later?
Replies: 18
Views: 1928

Re: Have 100% Retirement Accounts, Should I invest in NonRetirement Now or Later?

I am not sure about using 8%, that does seem very optimistic. It may end up being higher or lower, but personally, I would use a rate that is lower and work backwards to see how much you need for taxable account. But yes, I think the order would be max ROTH, 401k up to match or at a rate you are able to (after determining how much you need to contribute to taxable), and then dump leftover to taxable.
by dacalo
Thu Feb 20, 2020 12:00 pm
Forum: Personal Investments
Topic: Where to invest emergency fund?
Replies: 27
Views: 3483

Re: Where to invest emergency fund?

We have our EF split between STAR fund, VTEB, and savings account. We also have mutual funds and ETFs in taxable if necessary.
by dacalo
Sat Feb 15, 2020 3:30 pm
Forum: Personal Investments
Topic: You Can't Time The Market
Replies: 73
Views: 6710

Re: You Cant Time The Market

I just tell myself that I don't know anything, and the only thing I can control is how I invest. Therefore, I just keep buying regardless what the market says. Coronavirus? Buy. Bernie leading the caucus? Buy. Companies blowing away earnings? Buy. Trump news? Buy. All the events are just noise, I don't know how the market will react.
by dacalo
Mon Feb 10, 2020 9:34 pm
Forum: Investing - Theory, News & General
Topic: Fidelity lets clients now trade fractional shares of stocks and ETFs
Replies: 209
Views: 27190

Re: Fidelity lets clients now trade fractional shares of stocks and ETFs

Still not activated - been a customer for around 18 years.
by dacalo
Fri Feb 07, 2020 11:27 am
Forum: Personal Investments
Topic: Why is my Vanguard account balances always delayed?
Replies: 37
Views: 5353

Re: Why is my Vanguard account balances always delayed?

I think OP is talking about balances reflecting new trades, not update to valuation for existing investments.

I think this comes with the territory if investing with Vanguard and the company not having the greatest IT infrastructure. They probably do a "batch" type of update later in the day, versus more up-to-date updates done that Schwab and Fidelity with more modern IT set up. Doesn't bother me much, but I can see how it can be a nuisance.