Search found 468 matches

by fantasytensai
Tue Oct 23, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: ESPP purchase doesn't add up
Replies: 12
Views: 946

Re: ESPP purchase doesn't add up

The only way it makes any sense at all to me is if they charged you a ~$6 commission for purchasing the shares, which would be pretty bizarre. I would expect that all the reports are generated automatically, which makes it so odd that there appears to be a math mistake. I even tried some of the for...
by fantasytensai
Tue Oct 23, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: ESPP purchase doesn't add up
Replies: 12
Views: 946

Re: ESPP purchase doesn't add up

regularguy455 wrote:
Tue Oct 23, 2018 8:17 pm
My ESPP takes the average daily price on the final trading day, not the closing price. Maybe that’s what’s going on?
I'm pretty sure that's not. They clearly labeled the "purchase price"
by fantasytensai
Tue Oct 23, 2018 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: ESPP purchase doesn't add up
Replies: 12
Views: 946

Re: ESPP purchase doesn't add up

The only way it makes any sense at all to me is if they charged you a ~$6 commission for purchasing the shares, which would be pretty bizarre. I would expect that all the reports are generated automatically, which makes it so odd that there appears to be a math mistake. I even tried some of the for...
by fantasytensai
Tue Oct 23, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: ESPP purchase doesn't add up
Replies: 12
Views: 946

Re: ESPP purchase doesn't add up

Hi guys, I just made my first ESPP purchase. Basically, it's a very mediocre one with 5% discount, but still better than nothing. But I just saw my first transaction and something doesn't add up. Date FMV Purchase Amount Purchase Price Shares Purchased 15 Oct 2018 PURCHASE 141.2000 359.83 134.1400 ...
by fantasytensai
Tue Oct 23, 2018 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: ESPP purchase doesn't add up
Replies: 12
Views: 946

ESPP purchase doesn't add up

Hi guys, I just made my first ESPP purchase. Basically, it's a very mediocre one with 5% discount, but still better than nothing. But I just saw my first transaction and something doesn't add up. Date FMV Purchase Amount Purchase Price Shares Purchased 15 Oct 2018 PURCHASE 141.2000 359.83 134.1400 2...
by fantasytensai
Mon Oct 08, 2018 10:51 pm
Forum: Investing - Theory, News & General
Topic: ESPP Discount Tax in plain English
Replies: 4
Views: 676

Re: ESPP Discount Tax in plain English

There are two different definitions of bargain element TurboTax neglected to mention: Qualifying: Market price at end of purchase period - price paid Disqualifying: Market price at beginning of purchase period - price paid The benefit is subtle, but since stock prices rise over time, the qualifying...
by fantasytensai
Mon Oct 08, 2018 9:23 pm
Forum: Investing - Theory, News & General
Topic: ESPP Discount Tax in plain English
Replies: 4
Views: 676

ESPP Discount Tax in plain English

Hi, I have been doing some research on ESPP taxation on the discount portion - for instance, a $100 stock discounted 15% would yield a $15 discount. I have been reading up on Qualifying Disposition v. Disqualifying Disposition, based on how long you hold the stock, and the explanation online is simp...
by fantasytensai
Wed Sep 19, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgages - Pros, Cons
Replies: 55
Views: 4326

Re: Reverse Mortgages - Pros, Cons

I have no kids, and do not plan on having any. For me, a reverse mortgage may not be a bad idea, if I can get a fair valuation.
by fantasytensai
Fri Sep 14, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Delay in 401k Contribution Posting, cause for concern?
Replies: 15
Views: 1594

Re: Delay in 401k Contribution Posting, cause for concern?

Update: I did nothing since both contributions posted on the same date. Weird. Hopefully just a one time thing.
by fantasytensai
Wed Sep 05, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Delay in 401k Contribution Posting, cause for concern?
Replies: 15
Views: 1594

Re: Delay in 401k Contribution Posting, cause for concern?

Thanks for the information. The actual pay date is 8/15. So they are already late. I think I can go to DoL now then. Then 8/24 was their required transmittal date to Empower. Giving transmittal times to Empower and deposit times. They are no more than a couple days late at this time. I don't know i...
by fantasytensai
Wed Sep 05, 2018 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Delay in 401k Contribution Posting, cause for concern?
Replies: 15
Views: 1594

Re: Delay in 401k Contribution Posting, cause for concern?

The 15th business day of September 2018 is the 24th. That is the maximum that a large employer can take even with sufficient justification. The actual rule is, that the employer must transmit the contribution as soon as it can reasonably segregate the contributions from the businesses other funds. ...
by fantasytensai
Wed Sep 05, 2018 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Delay in 401k Contribution Posting, cause for concern?
Replies: 15
Views: 1594

Re: Delay in 401k Contribution Posting, cause for concern?

Is there a way to deal with this situation without being the squeaky wheel? My general life strategy is to lie low and not attract attention. I may contact DoL but withhold my own personal information. If my employer is late in contribution, is the mess on their hands or mine? I don't really mind mi...
by fantasytensai
Wed Sep 05, 2018 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Delay in 401k Contribution Posting, cause for concern?
Replies: 15
Views: 1594

Delay in 401k Contribution Posting, cause for concern?

My employer (small-med company, 50-100 employees) has always been lax in posting 401k contributions. But lately it has gotten worse and worse. It used to be that there would be about a 5 day delay in posting (i.e. 1/1-1/15 contribution would post around 1/20). Then it became 10 days. Now, it has got...
by fantasytensai
Tue Sep 04, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 34
Views: 2989

Re: Plan for Parental Care in my road to financial independence

That's exactly the point I kept trying to impress upon OP in my posts above without getting into politics. See https://www.nbcnews.com/politics/immigration/now-trump-administration-wants-limit-citizenship-legal-immigrants-n897931 Yup. Maybe things will work out in spite of all that. The optics in t...
by fantasytensai
Fri Aug 10, 2018 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 34
Views: 2989

Re: Plan for Parental Care in my road to financial independence

After 5 years on the green card she will become a citizen. Is there anything saying she can't apply for SSI and medicaid? And medicare through SSI? Well said. If she has less than 3K in asssets, 65+ age, low income(check specific number), she will be eligible for Medicaid if her green card is 5 yea...
by fantasytensai
Fri Aug 10, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Response from boss re: market analysis
Replies: 71
Views: 8246

Re: Rude response from boss re: market adjustment

I always thought that if you are a critical employee, management will take care of you(money/title/work etc). If you are not, then you are deceiving yourself wasting time over talking to somebody - has this worked for anyone??? With HR??? 😄 - They get reviewed based on for how less they can hold yo...
by fantasytensai
Thu Aug 09, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 34
Views: 2989

Re: Plan for Parental Care in my road to financial independence

After 5 years on the green card she will become a citizen. Is there anything saying she can't apply for SSI and medicaid? And medicare through SSI? Thank you! That is a much more straightforward method! This will be perfect for my MiL since she has no assets and likely no income when she turns 65.
by fantasytensai
Thu Aug 09, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 34
Views: 2989

Re: Plan for Parental Care in my road to financial independence

1099 means she has to pay her own SS/MC taxes on the income IN ADDITION to the Employers side of the taxes (this would be a Self-Employment situation). Basically the employment taxes are the same as if she works for you (W2 employee). I think in either case the situation may get tedious as time pro...
by fantasytensai
Thu Aug 09, 2018 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 34
Views: 2989

Re: Plan for Parental Care in my road to financial independence

Is there a down side to this? Yes, it may be in violation of US tax law and/or SS rules. Please review carefully Pub 926 for household employees (she will be one in my opinion). It is not clear to me that the wages you pay your MIL will count as SS wages. Given that not caring for my MiL is not an ...
by fantasytensai
Thu Aug 09, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 34
Views: 2989

Re: Plan for Parental Care in my road to financial independence

I'm not afraid of an IRS challenge. I hire my MiL to provide a service. I don't dictate her hours, or tell her what to do. I just request that she spends 3 hours a week cleaning my house. If that's not a 1099 relationship, I don't know what is. She has no medical issues right now. I was simply anti...
by fantasytensai
Thu Aug 09, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 34
Views: 2989

Re: Plan for Parental Care in my road to financial independence

We're in a similar situation where my in-laws want to move to the US and we'd have to subsidize health care, life, or both. They have ~800k in assets but spend significantly more than that amount of passive income and are pretty financially illiterate and won't listen when we try to plan with them....
by fantasytensai
Thu Aug 09, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 34
Views: 2989

Re: Plan for Parental Care in my road to financial independence

JoeRetire wrote:
Thu Aug 09, 2018 3:24 pm
Has MIL already gotten a green card?
Not yet, currently in the process
by fantasytensai
Thu Aug 09, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 34
Views: 2989

Re: Plan for Parental Care in my road to financial independence

I'm not afraid of an IRS challenge. I hire my MiL to provide a service. I don't dictate her hours, or tell her what to do. I just request that she spends 3 hours a week cleaning my house. If that's not a 1099 relationship, I don't know what is. She has no medical issues right now. I was simply anti...
by fantasytensai
Thu Aug 09, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 34
Views: 2989

Re: Plan for Parental Care in my road to financial independence

I'm not afraid of an IRS challenge. I hire my MiL to provide a service. I don't dictate her hours, or tell her what to do. I just request that she spends 3 hours a week cleaning my house. If that's not a 1099 relationship, I don't know what is. She has no medical issues right now. I was simply antic...
by fantasytensai
Thu Aug 09, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for Parental Care in my road to financial independence
Replies: 34
Views: 2989

Plan for Parental Care in my road to financial independence

My wife and I have agreed to take care of my Mother in Law when she is older. The question is how to do it in a way that does not greatly impede our path to FI, which we hope to achieve in 10-15 years (currently 30). So I came up with a plan. My MiL will be immigrating to the US sometime in the comi...
by fantasytensai
Thu Jul 12, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: How to bring up this issue with your boss? (firm failure to contribute employer match)
Replies: 6
Views: 874

How to bring up this issue with your boss? (firm failure to contribute employer match)

So I work for a 50-100 employee law firm (total employees, not just lawyers). The firm has a sucky, but not horrendous 401(k) match - 3% of salary, vesting 25% each year over 4 years. I have now been employed for about 15 months here. I realize that the first 25% of the match still has not posted to...
by fantasytensai
Sun Jun 03, 2018 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 89
Views: 9084

Re: What is your Take Home Pay / Gross Pay ratio?

28fe6 wrote:
Sun Jun 03, 2018 10:34 pm
About 42%, but I max my ESPP. If I add the ESPP escrow back in, which is 15% of gross pay, then it would be about 57%. Not maxing anything except HSA.
Out of curiosity, why not max 401k?
by fantasytensai
Sun Jun 03, 2018 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 89
Views: 9084

Re: What is your Take Home Pay / Gross Pay ratio?

luminous wrote:
Sun Jun 03, 2018 8:17 pm
take home/gross = 37%

I am maxing out pre-tax 401k and mega backdoor Roth, and I have a small FSA contribution as well.
That's brutal! But at least if you are maxing out the MBR, that's 55k right there, 110k if 2p, so that makes sense.
by fantasytensai
Sun Jun 03, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 89
Views: 9084

Re: What is your Take Home Pay / Gross Pay ratio?

i am confused as to the purpose of this exercise. but here goes take home/gross = 65% however that was different from last week as this is my first paycheck without 401k contributions deducted. The purpose, to be brutally honest, is that when I did the calculations for myself and saw that I was onl...
by fantasytensai
Sun Jun 03, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 89
Views: 9084

Re: What is your Take Home Pay / Gross Pay ratio?

I'm not sure the results will be meaningful. Too many variables. Short term/long term disability, benefits, HSA, 401K, life insurance, people saving for a flex account etc. I disagree, I think it will be very meaningful. Why not just tell us if you maxed out HSA, 401k, etc? Life insurance and disab...
by fantasytensai
Sun Jun 03, 2018 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 89
Views: 9084

Re: What is your Take Home Pay / Gross Pay ratio?

For the purposes of this survey, take home pay is the actual amount of cash deposited into your bank account each payroll, so if you get paid bi-weekly, it is your bi-weekly pay X 24. It is NOT the W-2 wage referred to on your 1040 form. There are typically 26 paychecks each year if you are paid bi...
by fantasytensai
Sun Jun 03, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 89
Views: 9084

What is your Take Home Pay / Gross Pay ratio?

For those of us still in the corporate grind, especially the W-2ers, I was curious what your typical take home pay / gross pay ratio is. I feel that this is one of the less invasive questions on the sub since it's asking for a percentage rather than a number. For the purposes of this survey, take ho...
by fantasytensai
Thu May 24, 2018 10:46 pm
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 106
Views: 16088

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

Wait, does 1 share of VBTLX give the same yield regardless of its NAV? If so what you say make sense, NAV doesn't matter. I had no idea that's how it worked. I always assumed that 1 share of VBTLX at a NAV of $30 will give off more dividend per month than 1 share of VBTLX at a NAV of $20. Not exact...
by fantasytensai
Thu May 24, 2018 9:29 pm
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 106
Views: 16088

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

Because the interest earned on the bonds keeps going up also. I like getting a raise, even though I am not working. How are you getting a raise? The yield goes up on the bond funds, but the NAV goes down, so you earn a larger percentage of a smaller amount. Isn't it a wash, and you get pretty much ...
by fantasytensai
Thu May 24, 2018 9:25 pm
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 106
Views: 16088

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX up 3%

When this thread was started with its fake title, VTSAX was up 3% YTD and not down 0.23%. May I ask where "down 0.23%" came from please? https://www.google.com/search?q=vtsax&rlz=1C1SQJL_enUS789US789&oq=vtsax&aqs=chrome..69i57j69i61l3j0l2.2544j0j7&sourceid=chrome&ie=UTF-8 Market Summary > Vanguard ...
by fantasytensai
Thu May 24, 2018 5:19 pm
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 106
Views: 16088

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

So you care about short-term bond fluctuations, but you take the long view on stocks? He's saying that in 10 years the fact that the bond fund is down 2% this year won't matter, just like the fact a stock fund could go down 30% this year doesn't matter to you... Because you're thinking 10 year retu...
by fantasytensai
Thu May 24, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: NY Insurance Costs on the Rise
Replies: 21
Views: 2343

Re: NY Insurance Costs on the Rise

I live on Long Island, too, and allowed Liberty Mutual to [take advantage of me --admin LadyGeek] on premiums for years. Very long time customer with no claims which I thought would qualify me for a rate break. Absolutely the opposite. When I complained they absolutely refused to budge on premiums....
by fantasytensai
Thu May 24, 2018 4:19 pm
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 106
Views: 16088

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

If you have an investment horizon greater than ten years, and don't plan to sell your holdings in that timeframe, what does it matter what the NAV does? In fact, if you're reinvesting dividends, the greater dividend yield of bond funds combined with lower NAV would seem to be reason to prefer holdi...
by fantasytensai
Fri May 18, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Insight Card (APY 5%) full personal review
Replies: 63
Views: 8580

Re: Insight Card (APY 5%) full personal review

Just as a FYI since there are some conflicting reporting here, the 5% you earn is ONLY on the $5000. Any interest that you earn will stay in the $5000 saving account, but WILL NOT earn 5% interest on top. There is a reddit post that assure that the interest stays there earn interest. Some people di...
by fantasytensai
Fri May 18, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Insight Card (APY 5%) full personal review
Replies: 63
Views: 8580

Re: Insight Card (APY 5%) full personal review

Just as a FYI since there are some conflicting reporting here, the 5% you earn is ONLY on the $5000. Any interest that you earn will stay in the $5000 saving account, but WILL NOT earn 5% interest on top.
by fantasytensai
Thu May 17, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth quitting my private-sector job and taking a government job so I can invest in the 457 account, too?
Replies: 15
Views: 2134

Re: Is it worth quitting my private-sector job and taking a government job so I can invest in the 457 account, too?

Assuming the paycut is not too significant, and you plan on working for the next 10+ years to vest your pension, I would do it for the pension alone.
by fantasytensai
Thu May 17, 2018 9:25 am
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 106
Views: 16088

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

It appears that nobody is understanding the point that I am trying to make. When this many people are not getting it, it must be my fault. I will try one more time in the simplist terms possible, and if I still fail, I'm giving up. 1. Everyone is quick to point out that yield is increasing. But THE...
by fantasytensai
Thu May 17, 2018 9:01 am
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 106
Views: 16088

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

It appears that nobody is understanding the point that I am trying to make. When this many people are not getting it, it must be my fault. I will try one more time in the simplist terms possible, and if I still fail, I'm giving up. 1. Everyone is quick to point out that yield is increasing. But THE ...
by fantasytensai
Wed May 16, 2018 8:23 am
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 106
Views: 16088

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

If your investment horizon is over ten years, there is absolutely no reason to own bond funds right now. VBTLX has a 2.64% dividend yield, while VBILX has 2.76%. VTSAX has 1.74%. Why chase the less than 1% difference in yield, when bond funds have fallen so much harder than VTSAX? If you have an in...
by fantasytensai
Tue May 15, 2018 10:09 pm
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 106
Views: 16088

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

If your investment horizon is over ten years, there is absolutely no reason to own bond funds right now. VBTLX has a 2.64% dividend yield, while VBILX has 2.76%. VTSAX has 1.74%. Why chase the less than 1% difference in yield, when bond funds have fallen so much harder than VTSAX? In the event of a...
by fantasytensai
Tue May 15, 2018 10:08 pm
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 106
Views: 16088

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

If your investment horizon is over ten years, there is absolutely no reason to own bond funds right now. VBTLX has a 2.64% dividend yield, while VBILX has 2.76%. VTSAX has 1.74%. Why chase the less than 1% difference in yield, when bond funds have fallen so much harder than VTSAX? If you have an in...
by fantasytensai
Tue May 15, 2018 1:29 pm
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 106
Views: 16088

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

Are you selling swaps in the event stocks underperform bonds over arbitrary 10-year periods? Bonds are there useful because stocks can and have previously gone through extremely brutal sustained drawdowns. I may be wrong but I don't believe VTSAX has undergone any 10 year segments where the price w...
by fantasytensai
Tue May 15, 2018 12:15 pm
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 106
Views: 16088

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

Don't look now then because BND is trading down more than 0.4% today! ;) That means that if one rebalances into VBTLX today, then they will outperform VBTLX for 2018 by about 2.75%. That's simply Amazing! to be able to outperform a bond fund by that amount with a similar bond fund. BTW, bond funds ...
by fantasytensai
Tue May 15, 2018 12:08 pm
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 106
Views: 16088

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

but I don't believe VTSAX has undergone any 10 year segments where the price went down Oh, are you saying it's impossible then? Because it hasn't happened yet? And what if you need the money before 10 years? Are you saying it's impossible to lose one's job as well? I mean, if that is your entire ar...
by fantasytensai
Tue May 15, 2018 11:59 am
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 106
Views: 16088

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

Are you selling swaps in the event stocks underperform bonds over arbitrary 10-year periods? Bonds are there useful because stocks can and have previously gone through extremely brutal sustained drawdowns. I may be wrong but I don't believe VTSAX has undergone any 10 year segments where the price w...