Search found 7 matches

by Altron
Thu May 17, 2018 3:50 am
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 251
Views: 45016

Re: What's the ideal safe retirement net worth target?

DaftInvestor wrote:
Wed Jun 15, 2016 2:26 pm
Health-care costs in retirement are the biggest unknown in my opinion.
Agreed. This can really break the model. I would assume health care costs rise much faster than inflation and increase the future expense assumption to cover that.
by Altron
Wed Mar 21, 2018 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Real estate investing/advice/thoughts
Replies: 7
Views: 912

Re: Real estate investing/advice/thoughts

Agree with the above. I considered investing in rental properties for a variety of reasons. My conclusion is that you have to borrow substantially to make an acceptable return. If you’re going to pay cash you’re better off putting that money in the stock market. Of course leverage brings risks but i...
by Altron
Mon Mar 05, 2018 12:47 am
Forum: Personal Finance (Not Investing)
Topic: New Kid Expenses
Replies: 31
Views: 2330

Re: New Kid Expenses

Congrats! It’s an awesome experience and I wouldn’t trade being a Dad for anything. 529. If you have maxed out all other tax efficient plans and still have money to invest go for it. However, look carefully at the fees and investment options before you take the plunge. Daycare. As already mentioned ...
by Altron
Mon Mar 05, 2018 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Pay off low interest student loan quickly or pay the minimum and invest?
Replies: 6
Views: 753

Re: Pay off low interest student loan quickly or pay the minimum and invest?

With your income you should pay down the debt in 5 years and start saving now for the down payment. Buy the $1.2M house after you save the $120k down, have a 1 year cash buffer, and have thus proven you can live below your means. I can’t stress enough how important it is to prove financial disciplin...
by Altron
Sat Jan 13, 2018 7:54 am
Forum: Investing - Theory, News & General
Topic: Heading for a top?
Replies: 103
Views: 8581

Re: Heading for a top?

Just to piggyback on Homer’s post with an anecdote. My Dad is 70 and uses an investment manager (sigh) so when the market tanked in 2009 I was worried about him making a rash decision. It just so happens he had adjusted his allocation from 70/30 stocks/bonds to 20/80 back in 2007 as he was prepping ...
by Altron
Fri Aug 19, 2016 4:43 am
Forum: Investing - Help with Personal Investments
Topic: Borrowing money to invest. Good idea?
Replies: 68
Views: 5930

Re: Borrowing money to invest. Good idea?

Do you actually need to take this risk, or will disciplined investing on a cash basis be sufficient to accomplish your goals? You should ask this before making any investment decision. Also, I think it's important to point out that anyone who invests and holds a mortgage is invoking a form of this ...
by Altron
Fri Aug 19, 2016 4:25 am
Forum: Investing - Help with Personal Investments
Topic: Ultra aggressive index portfolio for a 30 yo with high risk tolerance?
Replies: 47
Views: 5427

Re: Ultra aggressive index portfolio for a 30 yo with high risk tolerance?

I think it's important to tie your portfolio to a specific life goal. If you are 30 and already have considerable savings and future earnings potential, you may not need to hold an "aggressive" portfolio. The added risk isn't worth it. However, if you know that you want to retire at 50 and start a c...