Search found 464 matches

by SimplicityNow
Tue Aug 14, 2018 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Help explain TIAA Traditional to me
Replies: 20
Views: 1387

Re: Help explain TIAA Traditional to me

For the liquidity restrictions and choices available I would ask TIAA directly. Options, rates, liquidity restrictions are not universal and vary by institution and plan. It is a good suggestion to ask TIAA directly. I do not understand your statement "Options, rates, liquidity restrictions are not...
by SimplicityNow
Tue Aug 14, 2018 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Holding only VWENX for retirement
Replies: 12
Views: 1008

Re: Holding only VWENX for retirement

Hi Everyone, First time post here. Currently I hold all my retirement savings about 360K in Wellington (VWENX). I was wondering is it really a good idea to hold only one fund like Wellington for retirement. I'm 60 and plan on retiring at 65, would like to know the Pros and Cons or any suggestions i...
by SimplicityNow
Mon Aug 13, 2018 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Help explain TIAA Traditional to me
Replies: 20
Views: 1387

Re: Help explain TIAA Traditional to me

For the liquidity restrictions and choices available I would ask TIAA directly.

Options, rates, liquidity restrictions are not universal and vary by institution and plan.
by SimplicityNow
Sun Aug 12, 2018 8:18 am
Forum: Investing - Help with Personal Investments
Topic: New to the Vanguard approach and in mid 40's - how would you start?
Replies: 13
Views: 1190

Re: New to the Vanguard approach and in mid 40's - how would you start?

Welcome to the forum. All is not lost, in fact far from. You have found the right place and far sooner than many. All the advice you have been given regarding book recommendations etc is spot on. I'd recommended you go to the 2nd post from the top on this section of the forum and see the thread on "...
by SimplicityNow
Sun Aug 12, 2018 8:08 am
Forum: Investing - Help with Personal Investments
Topic: “Safe” investment approaching retirement
Replies: 17
Views: 1667

Re: “Safe” investment approaching retirement

Will retire in about a year. I am very well off financially and want to preserve what I have. I intend to keep about 50% in index funds but with the bond portion, I would be happy to get a few percent a year rather than risk it if stock market crashes and interest rates soar. Any suggestion for sho...
by SimplicityNow
Wed Aug 08, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: Car Donation
Replies: 12
Views: 955

Car Donation

An old car of ours had the transmission go and we have decided to donate it. I know there are many "charitable" organizations that accept car donations. Usually they subtract their costs then donate a portion of the balance to a specific charity. I know many of them are scams and that they pocket mo...
by SimplicityNow
Mon Aug 06, 2018 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Old age investing--Seeking advice
Replies: 23
Views: 2915

Re: Old age investing--Seeking advice

I think you need to provide additional information if you want a more detailed assessment. While I appreciate your reluctance to share too much personal information on an internet forum, doing so would allow people to tailor their advice to your specific information. What are your yearly expenses a...
by SimplicityNow
Mon Aug 06, 2018 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Question about my Portfolio's Performance
Replies: 6
Views: 609

Re: Question about my Portfolio's Performance

Nothing wrong with your return YTD. VTSAX is doing well YTD. Not as well as last year but above historical averages. VSMAX is doing even better. VTIAX isn't doing so well. It it down YTD and so is BND. The price you pay for diversifying. 4.8 % so far with almost 5 months left to the year is a very n...
by SimplicityNow
Sat Jul 28, 2018 7:21 am
Forum: Investing - Help with Personal Investments
Topic: Old age investing--Seeking advice
Replies: 23
Views: 2915

Re: Old age investing--Seeking advice

I think you need to provide additional information if you want a more detailed assessment. While I appreciate your reluctance to share too much personal information on an internet forum, doing so would allow people to tailor their advice to your specific information. What are your yearly expenses an...
by SimplicityNow
Mon Jul 23, 2018 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Is Enough?
Replies: 34
Views: 5928

Re: How Much Is Enough?

I passed on several opportunities for promotion because it would have come at the cost of less time with my kids while they were growing up.

I've never regretted the decision.
by SimplicityNow
Sun Jul 22, 2018 4:49 pm
Forum: Investing - Theory, News & General
Topic: Acceptable uses...New Financial Chromebook
Replies: 35
Views: 4369

Re: Acceptable uses...New Financial Chromebook

If you utilize the guest account and do not shut down the machine then the guest account could hold the cache of information and there is no login for guest account. Anyone can use guest (unless your chromebook is locked down via a policy that does not allow guest). Fair enough. But if you close ea...
by SimplicityNow
Fri Jul 20, 2018 2:58 pm
Forum: Investing - Theory, News & General
Topic: Acceptable uses...New Financial Chromebook
Replies: 35
Views: 4369

Re: Acceptable uses...New Financial Chromebook

When I started out with banking on line I would only use a hardened linux that I built. This was a great little machine and I used it for over 8 years. You can find quite a few hardended linux branches online and the odds that someone created a zero day exploit that could be activated via a web pag...
by SimplicityNow
Tue Jul 17, 2018 7:55 am
Forum: Investing - Help with Personal Investments
Topic: 23 and seeking help with investments
Replies: 9
Views: 901

Re: 23 and seeking help with investments

Hello all, This is my first post on the forum. I have been reading/lurking for about a year now and I was hoping to finally get some opinions on my financial situation and some changes to make for the better. Welcome to the forum -Emergency Funds: I have about $8500 saved in a 3% checking account. ...
by SimplicityNow
Fri Jul 13, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1937
Views: 353029

Re: What are you up YTD? [Year To Date]

I use MS Money to calculate portfolio performance. I keep track of every single transaction with this bit of free software. It uses the XIRR() algorithm without you having to know how to use spreadsheet. It also allows many different performance reports from the same data. MS Money gives the same p...
by SimplicityNow
Fri Jul 13, 2018 8:11 am
Forum: Investing - Theory, News & General
Topic: Saving 20% of paycheck isn't enough
Replies: 112
Views: 13807

Re: Saving 20% of paycheck isn't enough

Percentage recommendations are guidelines and starting points. As you mentioned in the first post, everyone is different. 40% of 1 million is a lot easier done then 40% of 40K. A better recommendation IMO opinion is to save as much as you can. For many, they don't, and therein lies one of the issues.
by SimplicityNow
Thu Jul 12, 2018 11:32 pm
Forum: Investing - Help with Personal Investments
Topic: What's your *real* asset allocation?
Replies: 30
Views: 3155

Re: What's your *real* asset allocation?

I use to have a separate emergency fund in high yield savings and short term CD that I didn't count in my asset allocation. Since retiring I changed my opinion and no longer consider it an emergency fund. It is part of my fixed income side of my AA. At the end of the day it is just mental accounting.
by SimplicityNow
Thu Jul 12, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 14959

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads Investing Wisdom.
by SimplicityNow
Thu Jul 12, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Self Employed 48years old and nothing saved for retirement
Replies: 41
Views: 5422

Re: Self Employed 48years old and nothing saved for retirement

Please realize that people are trying to help and not judge you. That is why more information was solicited.
if you follow the format in the sticky at the top of this forum in "asking investment questions" we will have more information in order to help you.
by SimplicityNow
Tue Jul 10, 2018 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: [Considering the Vanguard LifeStrategy Fund]
Replies: 66
Views: 5121

Re: Lifestyle Strategies

I'll just reinforce the already excellent advice you have received so far.

1) Keep it simple. Life Strategy or Target Date or the 3 Fund portfolio is all you really need.

2) You don't need the advisor.
by SimplicityNow
Tue Jul 10, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: New ladies bike: recommendations
Replies: 17
Views: 1095

Re: New ladies bike: recommendations

I'd 2nd the recommendation for a fitness bike. Cannondale Quick, Specialized Sirrus something like that. The low end of your price range is not a reasonable price for the type of quality bike you are looking for. More likely $500-700. The fitness bikes have a more upright riding posture for comfort ...
by SimplicityNow
Mon Jul 02, 2018 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Expected returns for 80/20 stock bond for next 10 years.
Replies: 169
Views: 12641

Re: Expected returns for 80/20 stock bond for next 10 years.

Unfortunately that is a realistic number. What accounts for the variance between this number and historical estimates? https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations I'm no expert with charts and graphs but based on what I have read: we have had above average...
by SimplicityNow
Mon Jul 02, 2018 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Need Your Feedback on 100% VTSAX
Replies: 39
Views: 3778

Re: Need Your Feedback on 100% VTSAX

I think it is overly aggressive at your age. If you have been in the market when there was a prior bear market and stayed the course through a large 30-50% down turn that would be one thing. If not you don’t know if you will panic and sell. If you are 100% stock there is nothing to rebalance. You ca...
by SimplicityNow
Wed Jun 27, 2018 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Investing small amounts
Replies: 30
Views: 2319

Re: Investing small amounts

Money needed in 12 months should not be invested in the stock market. 5% is not going to happen without a lot of risk which you can't afford to take because you need it in a year. Realistically the best you can do given the limitations is a 12 month CD which can return 2 - 2.4 % and it is FDIC insur...
by SimplicityNow
Wed Jun 27, 2018 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Need an advisor
Replies: 33
Views: 2013

Re: Need an advisor

Another vote for Vanguard Personal Advisory Services. They charge 0.3% of assets under management. They will most likely recommend a simple 4 fund portfolio of index funds with very low expense ratios. The best part is that when you feel comfortable, you can stop the advisory service and pay nothing...
by SimplicityNow
Wed Jun 27, 2018 9:18 am
Forum: Investing - Theory, News & General
Topic: Are we just way over complicating this?
Replies: 113
Views: 7326

Re: Are we just way over complicating this?

Balance fund is a great choice. There are many great choices and as Taylor often says, many roads to Dublin.

I personally feel it is great to have more choices. I may enjoy vanilla but there are other flavors I enjoy as well.
by SimplicityNow
Tue Jun 26, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 12095

Re: When did you start flying business class?

We traveled economy to Europe once and never again. Overnight flight, 30" seat pitch, entertainment box taking my leg room and a crying baby 3 seats away left an indelible scar across my cerebrum. Since then we have traveled Premium Economy or Business (usually with miles). While is certainly helps...
by SimplicityNow
Tue Jun 26, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 12095

Re: When did you start flying business class?

We traveled economy to Europe once and never again. Overnight flight, 30" seat pitch, entertainment box taking my leg room and a crying baby 3 seats away left an indelible scar across my cerebrum. Since then we have traveled Premium Economy or Business (usually with miles). In the past ten years as ...
by SimplicityNow
Tue Jun 26, 2018 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Could Annuities be considered Bonds in AA
Replies: 27
Views: 1725

Re: Could Annuities be considered Bonds in AA

I wouldn't treat an annuity as a bond. I would consider it an income stream. Much like I treat my pension or I will treat social security when I take it. If you want to say with this increase in my income stream from an annuity I have the ability to take greater risk in my asset allocation, that I ...
by SimplicityNow
Tue Jun 26, 2018 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Could Annuities be considered Bonds in AA
Replies: 27
Views: 1725

Re: Could Annuities be considered Bonds in AA

I wouldn't treat an annuity as a bond. I would consider it an income stream. Much like I treat my pension or I will treat social security when I take it. If you want to say with this increase in my income stream from an annuity I have the ability to take greater risk in my asset allocation, that I w...
by SimplicityNow
Mon Jun 25, 2018 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: 60/40 or 40/60?
Replies: 42
Views: 4633

Re: 60/40 or 40/60?

If you decide that you want to change your asset allocation because circumstance in your life have changed that is a good reason.

The reason you gave for changing it is a bad one, IMO. Call it what you will it's market timing.

Hard to do successfully.
by SimplicityNow
Mon Jun 25, 2018 1:05 pm
Forum: Investing - Theory, News & General
Topic: What Now With Down 2018 Market
Replies: 32
Views: 6344

Re: What Now With Down 2018 Market

No it's not out of date. The fact that funds are flat or down for the year means nothing. From here they could go up, sideways, down. No one knows. How much you invest in each allocation should be based on your need willingness and ability to take risk. How much are your expenses, how much from othe...
by SimplicityNow
Fri Jun 22, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: Retiree do's and don't's in a rising rate environment by Christine Benz
Replies: 14
Views: 2912

Re: Retiree do's and don't's in a rising rate environment by Christine Benz

Thanks for the link. I agree this is a good article to read for those with concerns about how rising rates effect their bond funds.
by SimplicityNow
Thu Jun 21, 2018 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International Fund
Replies: 16
Views: 1935

Re: Vanguard Total International Fund

I am envious at the good numbers of the International Growth Fund at Vanguard. Don't be. Looking in the past you will always find funds that outperformed the ones you own. You will also find many more that underperformed the ones you owned. The trick is to duplicate that better performance going fo...
by SimplicityNow
Thu Jun 21, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 11155

Re: Feel like I'm sinking money into international

I believe it is completely normal to feel the way you do. I also think that if international stocks had outperformed US stocks you'd feel exactly the opposite. If you picked the 25% for a reason ask yourself, has the reason changed? If not then you should stick to what your IPS says to do. It is alw...
by SimplicityNow
Thu Jun 21, 2018 1:05 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6752
Views: 1467559

Re: U.S. stocks in freefall

If you believe the decline is trade related, there will be a few more days of decline. Maybe. But the market has freaked out over trade before. And the promptly decided everything was fine again. To wit: SP500 futures... https://money.cnn.com/data/premarket/ Trade stuff no big deal today, S&P500 wa...
by SimplicityNow
Mon Jun 18, 2018 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Having a hard time pulling the trigger...
Replies: 25
Views: 2546

Re: Having a hard time pulling the trigger...

As a buy and hold investor, where the market is right now is of no consequence. The market is constantly making all time highs. Your issue is psychological. As someone stated read and learn more and then perhaps you will feel more comfortable making the decision that you know is the right one. Inves...
by SimplicityNow
Mon Jun 18, 2018 4:52 am
Forum: Investing - Theory, News & General
Topic: Our interview with Taylor Larimore
Replies: 17
Views: 3852

Re: Our interview with Taylor Larimore

Thanks for the link to the interview and many thanks to Taylor; not only for his upcoming book, but for his kind, gentle and consistent advocacy (just like his mentor Jack!) to benefit the everyday investor.
by SimplicityNow
Sun Jun 17, 2018 4:38 pm
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 109
Views: 11676

Re: Very confused with the current market

Your assumptions #1 and #2 are flawed.

Don't time the markets.

LOL @ Livesoft re: psychopaths.
by SimplicityNow
Sun Jun 17, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: I feel like selling my 3 fund
Replies: 57
Views: 7864

Re: I feel like selling my 3 fund

Two things are obvious to me from your post. 1) You are very risk adverse 2) You need to learn more. #2 should be your top priority before you do anything! Make it a priority to read, read , read. The Bogleheads guide, anything written by John Bogle, Jonathan Clements, Rick Ferri would be a great be...
by SimplicityNow
Sat Jun 16, 2018 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Wanting to learn: seeking approval or criticism on my portfolio
Replies: 12
Views: 1245

Re: Wanting to learn: seeking approval or criticism on my portfolio

I view a pension as an income stream, not a bond position. The pension for both of you is many years away. Not something I would count on 20 years out unless it is something like a federal pension or a state or local government pension that is very well funded. I also agree with the other posters re...
by SimplicityNow
Thu Jun 14, 2018 7:45 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 256
Views: 35244

Re: Roll Call for the Retirement Class of 2018!

Congratulations to the Class of 2018 from a recent graduate of the Class of 2017 (October).

I know the decision can be a difficult one but rest assured many of the doubts will fade once you take the plunge.

Best of luck to all.
by SimplicityNow
Thu Jun 14, 2018 7:37 am
Forum: Investing - Help with Personal Investments
Topic: 47 and clueless - direction needed
Replies: 60
Views: 8308

Re: 47 and clueless - direction needed

As already has been said, the "advisor" and I mean that sarcastically hasn't given you good advice. The very good news is that you realized it and are prepared to do something about it. That is great. Also great is that you have no debt! Well done. You might want to consider moving your investments ...
by SimplicityNow
Tue Jun 12, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17840

Re: Life in retirement - what did you do today?

I'm fairly new to retirement (last October) so still getting use to it :) Stayed up late last night so I woke up late today. I love not having to set the alarm. Had a healthy breakfast, read the news. Took my pups for a short walk . Returned home and dealt with a malfunctioning pool robot. Admitted ...
by SimplicityNow
Mon Jun 11, 2018 12:05 am
Forum: Investing - Help with Personal Investments
Topic: Strategy for a prolonged bear market
Replies: 65
Views: 5791

Re: Strategy for a prolonged bear market

I don't think it is a plan to bail, at least not a plan that is strategized in advance. More of, "I can't take any more of this" and I would think that is based on panic and fear rather than something based on a need for cash to meet expenses. That said, never underestimate panic and fear. There is ...
by SimplicityNow
Sun Jun 10, 2018 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Help for my Mom - She's 86
Replies: 10
Views: 947

Re: Investing Help for my Mom - She's 86

Continue with your father’s method, but maybe create a 3 or 5 year CD ladder. She has $700,000 in assets and more income than she needs to meet her basic expenses. If she needs to dip into her CDs, it would most likely to be to pay for assisted living or nursing care. There is no need to put any of...
by SimplicityNow
Thu Jun 07, 2018 11:12 am
Forum: Investing - Theory, News & General
Topic: Just added bonds to portfolio
Replies: 44
Views: 3147

Re: Just added bonds to portfolio

If you are retiring early (and we don't know your ages and how long the expected retirement will be) then the 4% "rule" may be too aggressive. You can read some work done on the topic at http://earlyretirementnow.com The Trinity study which is where the idea of a 4% withdrawal rate derives from is w...
by SimplicityNow
Thu Jun 07, 2018 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Stick to the Plan... or Kick the Can? (Time to Rebalance)
Replies: 24
Views: 1659

Re: Stick to the Plan... or Kick the Can? (Time to Rebalance)

This basically comes down to if your IPS and your asset allocation are right for you. If there is a change in your need, ability and willingness to take risk then a change to your allocation may be appropriate. If your lack of willingness to rebalance is based in what the market is doing right now t...
by SimplicityNow
Thu Jun 07, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Fixed Income investments too conservative?
Replies: 59
Views: 4011

Re: Fixed Income investments too conservative?

I agree with the OP's point of view. No need to chase yield. If you want to make a change however here is a simpler solution. Want the potential for higher return? Increase the percentage of stock funds in your portfolio. Of course that increases risk. I think it is better to take that risk on the e...
by SimplicityNow
Sat May 26, 2018 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: low fee index fund suggestions
Replies: 15
Views: 1194

Re: low fee index fund suggestions

All good advice you have been given in the prior posts. I will just comment on one thing you said was that you are late to the investing arena and want to make up for that lost time. DON"T The only consistent way to make up for that lost time is to save more. Trying to get higher returns comes with ...