Search found 413 matches

by SimplicityNow
Thu May 24, 2018 7:36 am
Forum: Investing - Help with Personal Investments
Topic: How big a portfolio should I have before retiring?
Replies: 60
Views: 9143

Re: How big a portfolio should I have before retiring?

I let many months pass and emotion dissipate before re-reading this thread. I just wanted to thank everybody for their input, which caused me to make three changes. #1, I've reduced my planned withdrawal rate from 4% to a more reasonable 3%. #2, I've reduced my spending quite a bit. It wasn't worth...
by SimplicityNow
Tue May 22, 2018 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford to retire now?
Replies: 45
Views: 6246

Re: Can I afford to retire now?

I think you know this already but if you plan to sell the individual stocks with gains make sure that you aren't reinvesting those dividends into new purchases. As far as retiring early being detrimental to you health I would strongly disagree. I retired last year. I have lost 10 pounds and have the...
by SimplicityNow
Sat May 19, 2018 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: How long to hold 80/20 asset allocation
Replies: 57
Views: 8210

Re: How long to hold 80/20 asset allocation

Im reigniting this in lieu of all the volatility the past few months. I’m a 1980’s born millennial that didn’t experience the 2008 crash. I’m still at an 80/20 allocation and I know that the approximate 10% correction the past few months was nothing compared to 2008 or 2001 or 1987. I keep seeing 1...
by SimplicityNow
Wed May 16, 2018 8:40 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 9011

Re: Yes, I'm 89 all right! [Jack Bogle]

Thanks for all you do and continue to do for the everyday investor.

Was a pleasure meeting you at the last conference and looking forward to listening to your words of wisdom again.

Be well!
by SimplicityNow
Wed May 16, 2018 6:15 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 7568

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Your friend may be right. It is just as likely your friend may be wrong. There are many "experts" out there who make similar predictions and most time they are wrong. The ones who are right tout their successes while conveniently forgetting their failures. Ask yourself this: If anyone was able to ac...
by SimplicityNow
Tue May 15, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: At a crossroads. Does my plan make sense?
Replies: 29
Views: 2652

Re: At a crossroads. Does my plan make sense?

Congrats on your decision. I believe it to be the right one. I retired last October although my wife is still working for a few more years. Although we have more then "enough", it didn't make the decision easier. I too have a lot of my identity wrapped up in my former profession. It takes a while to...
by SimplicityNow
Thu Apr 19, 2018 10:57 am
Forum: Investing - Theory, News & General
Topic: Bill Bonner: what's your take?
Replies: 38
Views: 3540

Re: Bill Bonner: what's your take?

Believe what you choose to believe. Obviously following his advice so far hasn't worked out too well for you. But you still want to follow his advice? Eventually he may be right. Or not. The simple fact is no one can predict the future. Most "experts" predict market returns in the next ten years wil...
by SimplicityNow
Thu Apr 19, 2018 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard customer experience
Replies: 22
Views: 2091

Re: Vanguard customer experience

Thanks to the OP for providing a detailed, fair and balanced account of your experience.
by SimplicityNow
Mon Apr 16, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning - Are we on the right path?
Replies: 10
Views: 1574

Re: Retirement Planning - Are we on the right path?

Duckie gave great advice (as usual). I will just point out that being over aggressive to make up for lost time can be a very grave mistake. The best method to achieving a larger retirement balance is to save more. It is not fun, nor glamorous but it is effective. Having a very aggressive stock/bond ...
by SimplicityNow
Mon Apr 16, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: What to do about withdrawal this year if market doesn't go up?
Replies: 32
Views: 3045

Re: What to do about withdrawal this year if market doesn't go up?

You obviously don't want to provide more specific information (which is fine) but without it, the answers you are going to get won't be targeted to your situation and won't be as helpful.
by SimplicityNow
Sun Apr 15, 2018 7:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 186
Views: 23950

Re: Roll Call for the Retirement Class of 2018!

Congratulations to all the retirees from the class of 2018!

I retired last October and it was a great decision for me. I got to enjoy my very first day of retirement at the 2017 BH conference.

Enjoy every day!

member of the Class of 2017
by SimplicityNow
Sat Apr 07, 2018 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Checkup...first year attending
Replies: 4
Views: 773

Re: Financial Checkup...first year attending

Looking for any tweeks, advice, or general encouragement you may have (especially regarding investment portfolio)...thanks :) Background: Me: 31 years old. 1st year attending in Emergency Medicine, gross ~375K as IC / yr (as sole prop; accountant has looked at situation and doesn't think LLC filing...
by SimplicityNow
Wed Apr 04, 2018 10:59 am
Forum: Investing - Help with Personal Investments
Topic: SPOT [Investing in Spotify]
Replies: 45
Views: 2638

Re: SPOT [Investing in Spotify]

nick2302 wrote:
Wed Apr 04, 2018 6:36 am
Anyone have thoughts about Spotify? I am so tempted to jump in and buy some so I don't miss yet another internet darling. Other thoughts, ideas about this company?

Thanks in advance.
If you want to gamble then go to Vegas, put the money on black 22 and spin the wheel.
by SimplicityNow
Mon Apr 02, 2018 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: bear market and rebalancing to lower risk
Replies: 13
Views: 1123

Re: bear market and rebalancing to lower risk

I'm not quite sure why the title of your thread says bear market and rebalancing to lower risk. Changing your asset allocation based on your circumstances is one thing. Changing it because you think a bear market is coming is a different animal. To answer you question, no, my risk tolerance hasn't c...
by SimplicityNow
Sat Mar 31, 2018 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree looking for investment advice
Replies: 15
Views: 1844

Re: Retiree looking for investment advice

If you want to take additional risk than in a total bond or money market fund you could consider the Vanguard Life strategy income fund. It is 20% Bonds/80% stocks . I believe that is reversed. Should be 20% equity 80% bonds. But your point is well taken. Yes I reversed it. My mistake.
by SimplicityNow
Sat Mar 31, 2018 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Substantial initial investment + Overvalued market = Trouble?
Replies: 28
Views: 2931

Re: Substantial initial investment + Overvalued market = Trouble?

Maybe you should spend more time soaking up the knowledge and information here and less time listening to talking heads on TV with an agenda. You are discussing market timing. You are rationalizing and trying to come up with valid excuses for it, but at the end of the day that is what is is. Before ...
by SimplicityNow
Wed Mar 28, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree looking for investment advice
Replies: 15
Views: 1844

Re: Retiree looking for investment advice

I'm going to reiterate what others have said. You cannot keep going in and out of the market and expect that to end well. You wee already in 2 conservative funds and pulled out. Now you are considering going back into the same conservative fund? It doesn't make any sense. If you want to take additio...
by SimplicityNow
Wed Mar 28, 2018 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Freshly Minted Boglehead
Replies: 17
Views: 1283

Re: Freshly Minted Boglehead

I have not much to add other then welcome to the forum.

I thoroughly enjoyed reading your success story and wish you and your family many more years of success and happiness.

Thank you for your service.
by SimplicityNow
Fri Mar 23, 2018 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Just Starting - Inevitable Bear Market?
Replies: 13
Views: 2011

Re: Just Starting - Inevitable Bear Market?

If you do some reading here you will see that posts like yours are not unique. As many here have told you already, your plan is flawed. You cannot tell when the market is low and you cannot tell when the market is high. Unless you count looking in the rear view mirror. You are making judgements base...
by SimplicityNow
Fri Mar 23, 2018 6:53 am
Forum: Investing - Theory, News & General
Topic: Are we missing recession /bear market beginning
Replies: 174
Views: 17845

Re: Are we missing recession /bear market beginning

These posts always crop up when the market is down. However last year when the market seemed to go up and there was a new excuse as to why every single day, then everyone was fat, happy and not complaining. Some people just should not listen to financial news. Instead they should read a book on beha...
by SimplicityNow
Tue Mar 13, 2018 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: New invester need help
Replies: 8
Views: 565

Re: New invester need help

RedYukimura wrote:
Tue Mar 13, 2018 5:03 pm
Since the downside of stock market, I am wondering if it is still good time to start invest in vanguard index fund or balance fund. YES Please give some advices to new comers...
by SimplicityNow
Tue Mar 06, 2018 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard reinvestment questions.
Replies: 12
Views: 1028

Re: Vanguard reinvestment questions.

first off why s&p vs total stock? yes, just dont reinvest them, send them to a sweep or bank, then buy what you want. I am new to this and have read that the S&P-500 index is a fairly good start (Warren Buffett suggests this for amateurs). Would total-stock be better? How would I go about sending t...
by SimplicityNow
Tue Mar 06, 2018 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard reinvestment questions.
Replies: 12
Views: 1028

Re: Vanguard reinvestment questions.

After it is open, you can direct the divs to the new fund. Thanks. How exactly do you do this? Do the dividends accumulate in a separate account, which is then able to be direct elsewhere? When you set the account up you have the choice of either the dividends being reinvested OR the dividend go in...
by SimplicityNow
Tue Mar 06, 2018 8:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: Nisiprius at 35,000 posts
Replies: 60
Views: 4972

Re: Nisiprius at 35,000 posts

Great acknowledgement of an individual who has added to the wealth of knowledge here with every single post.

Well done and congrats. I am looking forward to the next 35,000.
by SimplicityNow
Fri Mar 02, 2018 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track?
Replies: 9
Views: 874

Re: Am I on the right track?

Welcome to the forum. From a quick review of your investments I can see you are very risk adverse. It looks to me as if you are less then 10% equities and the rest in various form of fixed income assets. I don't know if 5 years away from your anticipated retirement is a good time to be making major ...
by SimplicityNow
Thu Mar 01, 2018 6:51 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1405703

Re: U.S. stocks in freefall

CantPassAgain wrote:
Thu Mar 01, 2018 12:54 pm
SimplicityNow wrote:
Wed Feb 28, 2018 5:23 pm
More people wanted to buy then sell. More people wanted to sell then buy.
This is one of those times when the distinction between "then" and "than" is important (although I would argue that it is always important).
Yes my fingers moving faster "than" my brain.
by SimplicityNow
Thu Mar 01, 2018 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner @ 46, so much to learn.
Replies: 25
Views: 3916

Re: Beginner @ 46, so much to learn.

Sandtrap gave you good advice above.

We need more information provided in the recommended format located here:

viewtopic.php?f=1&t=6212
by SimplicityNow
Wed Feb 28, 2018 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for guidance on my investments and financials
Replies: 27
Views: 1742

Re: Looking for guidance on my investments and financials

I agree with the above posters. You need to take a step back and develop a plan including an investment policy statement. Expense ratios are relative and while the ones you mention are high, if they are the lowest that's available in a 401k or 403b plan then in comparison they might not be terrible,...
by SimplicityNow
Wed Feb 28, 2018 5:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1405703

Re: U.S. stocks in freefall

These daily swings a + 30 - 40 + 45 - 40 make zero sense to me. Then stop trying to make sense of them. They don't. Short term increases and decreases can be based on anything. And the "experts" will of course postulate why they went up or down but they don't know either. More people wanted to buy ...
by SimplicityNow
Sat Feb 24, 2018 1:15 am
Forum: Local Chapters and Bogleheads Community
Topic: Any interest in forming Local Chapter on Long Island NY?
Replies: 29
Views: 6366

Re: Any interest in forming Local Chapter on Long Island NY?

I guess it is a little surprising.

Although as a small data point, there are very few people I know on LI who are Bogleheads.

Most prefer to be mindless and fill the wallets of financial "advisors".
by SimplicityNow
Fri Feb 23, 2018 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Guaranteed 2% return?
Replies: 34
Views: 2885

Re: Guaranteed 2% return?

The best 5 year CDs are paying 3% according to www.depositaccounts.com. That is before taxes.

Depends on your tax situation whether it is worth it.

If it was me, I'd just pay it now.
by SimplicityNow
Fri Feb 23, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Should I bite the bullet and invest in this market?
Replies: 86
Views: 9536

Re: Should I bite the bullet and invest in this market?

I opened an account with Vanguard with the intent of buying their mutual funds. (Namely total stock, total international, and some bond funds) I have had about $450k sitting in cash for too long and naturally have missed out on this great bull market. A few weeks ago I invested $35k in the total st...
by SimplicityNow
Fri Feb 23, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: When Stocks and Bonds Fall
Replies: 24
Views: 1565

Re: When Stocks and Bonds Fall

If your horizon is long term then, in my opinion, there is no reason to avoid Total Bond Index or Intermediate Bond Index. We are fortunate in that we have access to several good stable value funds that compose a good percentage of our fixed income assets. PS I enjoy Nisiprius' graphs, charts, expla...
by SimplicityNow
Tue Feb 20, 2018 11:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: Any interest in forming Local Chapter on Long Island NY?
Replies: 29
Views: 6366

Re: Any interest in forming Local Chapter on Long Island NY?

Mel Lindauer wrote:
Mon Feb 19, 2018 11:00 pm
Let me know via PM if someone wants to step up and agree to be the Local Chapter Coordinator and I'll get your group established.
Thanks Mel.

Let's see if we get some additional interest. Right now we only have 4 and 1 of those 4 doesn't want to travel west ;)
by SimplicityNow
Tue Feb 20, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 41979

Re: What frugal thing did you do today?

Baked my own bread. Been doing it for months. Much tastier, less ingredients then store bought and I'm sure it is cheaper.
by SimplicityNow
Sun Feb 18, 2018 5:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: Any interest in forming Local Chapter on Long Island NY?
Replies: 29
Views: 6366

Re: Any interest in forming Local Chapter on Long Island NY?

Reviving an old thread.

Any interest in forming a Long Island Chapter?

I'm in Suffolk but I think if we get a mix of Nassau and Suffolk members we could rotate between the two locations.
by SimplicityNow
Sun Feb 18, 2018 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Sell me on the benefits of an emergency fund
Replies: 119
Views: 7385

Re: Sell me on the benefits of an emergency fund

I have made several posts on this forum pointing out that I think "Emergency fund" is a poor label given to "Cash Reserves". In a true emergency, your entire net worth becomes your "emergency fund". I am not going to have my family live under a bridge while I have seven figures sitting in an IRA, b...
by SimplicityNow
Thu Feb 15, 2018 3:48 pm
Forum: Investing - Theory, News & General
Topic: Can someone help me explain to my wife...?
Replies: 81
Views: 10051

Re: Can someone help me explain to my wife...?

If you want us to help explain, have her read this thread.

I'm sure most would be willing to answer any questions she may have.
by SimplicityNow
Tue Feb 13, 2018 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 12048

Re: Did you learn anything from the market correction?

To the OP. I learned that people, including people on our forum, don't really know as much as they should . Many ask a question or two, listen to the few responders on their thread, pick their AA based on that and then are off to the races. I don't believe a 10% drop over a two week period is a test...
by SimplicityNow
Fri Feb 09, 2018 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Started first big investment 2 weeks ago - Sell quick?
Replies: 29
Views: 1996

Re: Started first big investment 2 weeks ago - Sell quick?

I can appreciate it is a big loss on paper for you. To put it in perspective realize that others lost, 6 and 7 figures of gains in the past two weeks. I suggest you educate yourself. Read "Your Money and Your Brain" by Jason Zweig. You will learn why people think what you are thinking now. Once you ...
by SimplicityNow
Fri Feb 09, 2018 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Allegedly worst week since 2008: Time to revisit AA?
Replies: 10
Views: 1210

Re: Allegedly worst week since 2008: Time to revisit AA?

We are in mid 30s but have a 50/50 AA due to being pretty risk adverse and just for easy math. So far it's been working for us, but recent stock downturn has us thinking. I just read this could be the worst week since 2008. Shouldn't be a factor in your asset allocation, Back then we did have money...
by SimplicityNow
Wed Feb 07, 2018 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Retired or close to it -- what do you hold in bond portion?
Replies: 41
Views: 4313

Re: Retired or close to it -- what do you hold in bond portion?

Recently retired. Spouse is 2 1/2 years away from retirement.

Our 40% of fixed income assets is divided among 3 stable value funds, vanguard total bond index fund, some other index bond funds and a small percentage in inflation linked bonds.
by SimplicityNow
Tue Feb 06, 2018 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Stay the course?
Replies: 65
Views: 7497

Re: Stay the course?

Newbie investor here and never had to deal with the market tanking like yesterday. I have a target date 2045 fund so it’s pretty much 90/10, but we are about 25 years away from retirement. Am I supposed to just leave it alone and don’t tinker with it or is a target date fund this heavy in stocks a ...
by SimplicityNow
Tue Feb 06, 2018 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Stay the course?
Replies: 65
Views: 7497

Re: Stay the course?

On days like today, I like to look at 2 related things: 1. My cost basis for my investments, and/or 2. What price I purchased my investments and the dividend record of them. I don't understand why people say to ride it out. If I can sell now and still realize gains, watch the market drop further (s...
by SimplicityNow
Tue Feb 06, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Disney Cruise Shore Excursions
Replies: 11
Views: 893

Re: Disney Cruise Shore Excursions

We took the same cruise way back in 2009 with our kids. If you are arriving in Port Canaveral the day before, you can stay in one of the hotel by the port (I think we stayed in a Raddison but its been a while) that allows you to leave the car there for free and has shuttle bus service (also free) to...
by SimplicityNow
Mon Feb 05, 2018 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Stay the course? Edited to Staying the course!
Replies: 22
Views: 2350

Re: Stay the course?

Advice, please- Finally invested part of my non-retirement saving in the market 2 weeks ago. I know that the general advice is to try to avoid market timing and play the long game. But now I am at a loss of what to do. I invested $10,000 into VTSAX and $8000 into VGTSX. I am a total newbie and like...
by SimplicityNow
Mon Feb 05, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Should I use the NYC 457 (DCP)?
Replies: 8
Views: 574

Re: Should I use the NYC 457 (DCP)?

The equity index fund looks fine. The bond fund with a ER of .17 is not horrible. Even the international fund's ER isn't terrible. The past two aren't ultra low like Vanguard funds, but they are better choices then many have. If you have the extra dollars to fund it in addition to your 403b it might...
by SimplicityNow
Mon Feb 05, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Would this be a bad idea?
Replies: 4
Views: 621

Re: Would this be a bad idea?

If the bond fund is going to be held past the 7 years mark then you are fine to leave it as is. Changing asset allocations because you think the market has dropped, is about to drop, etc. is market timing. To do well with market timing you have to be right twice. Once when the market reaches a top a...