Search found 4120 matches

by CyclingDuo
Wed Apr 14, 2021 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: How close to retirement age would you start to coast instead of grinding it out?
Replies: 50
Views: 3658

Re: How close to retirement age would you start to coast instead of grinding it out?

Assuming this is an option for you, would you stop grinding it out before retirement and slowly coast/glide the last few working years in a low-stress, lower-pay environment? Or keep going full throttle up to the point you pull the plug? I am hoping to retire around age 55, and after a largely stre...
by CyclingDuo
Wed Apr 14, 2021 12:19 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14448
Views: 1111312

Re: U.S. stocks continue to soar!

So, is anyone worried about the S&P oscillator (which Jim Cramer swears by) showing the market is overbought? Did I mention Jim Cramer swears by it? This means we need to take it seriously. Cramer said, "We’ve had an incredible run, and I’d feel much, much more comfortable if we follow tha...
by CyclingDuo
Wed Apr 14, 2021 11:34 am
Forum: Personal Investments
Topic: 529 plans and individual stock picking
Replies: 3
Views: 168

Re: 529 plans and individual stock picking

Does anyone have a 529 plan where they allow you to pick individual stocks ? I have one at fidelity (MA) and one in MD and all they have is target date and index funds, no way to pick individual stocks. Note that whether it is prudent to pick individual stocks in a 529 plan or not is a separate dis...
by CyclingDuo
Wed Apr 14, 2021 9:48 am
Forum: Investing - Theory, News & General
Topic: Another 2.8% SWR Article Quoting Wade Pfau
Replies: 231
Views: 12357

Re: Another 2.8% SWR Article Quoting Wade Pfau

While I don't know the details about Pfau's current 2.8% estimate, he has made assumptions in the past that were advantageous to annuities (e.g., assumed, not real, payouts) and disadvantageous to stock/bond portfolios (e.g., hefty expense ratios, hefty AUM fees) in a comparison of the two. Yes, th...
by CyclingDuo
Tue Apr 13, 2021 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: First child entering college in the fall... need some advice
Replies: 88
Views: 4731

Re: First child entering college in the fall... need some advice

So, just got some great news, our oldest child has been accepted into two top US universities and will be choosing between them for her undergraduate education. (These are both private universities; we did explore our state university and we determined that for her field of study, the private schoo...
by CyclingDuo
Mon Apr 12, 2021 5:10 pm
Forum: Personal Investments
Topic: Looking for tool to manage multiple accounts, rebalance, help with taxes and planning
Replies: 5
Views: 611

Re: Looking for tool to manage multiple accounts, rebalance, help with taxes and planning

kingcrimson wrote: Mon Apr 12, 2021 4:37 pm Thanks to all. I did read the thread at viewtopic.php?t=150267

Plenty of good info there. Will keep searching for a solution. I will be thankful for the day when I can simplify my financial life a bit more.
PC can track it all.
by CyclingDuo
Sat Apr 10, 2021 2:04 pm
Forum: Personal Investments
Topic: How to understand AA with Pension and SS ahead
Replies: 6
Views: 732

Re: How to understand AA with Pension and SS ahead

61., married, still working Pension in 3.5 years that covers 1/3 of expected expenses at 70. SS at 70 covers the remaining 2/3 of expected expenses. Emergency fund is covered. 14x current expenses in investments. So.. does the ‘normal’ AA of 60/40 or 50/50 apply when there are fixed income streams ...
by CyclingDuo
Sat Apr 10, 2021 11:12 am
Forum: Investing - Theory, News & General
Topic: VTI and Fidelity
Replies: 3
Views: 680

Re: VTI and Fidelity

stan1 wrote: Sat Apr 10, 2021 11:11 am At Fidelity you can buy fractional shares of an ETF so you can buy $500 worth -- but you have to do the trade manually and can't set it up to automatically buy with a transfer in every month. M1 Finance has the capability to do what you want.
^^^^^^This!
by CyclingDuo
Sat Apr 10, 2021 10:50 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14448
Views: 1111312

Re: U.S. stocks continue to soar!

So if you bought at the earlier peak it took only fifteen years to recoup your losses, might be a bit less with the dividends. A little consolidation period? Perhaps you missed my use of this particular smilie after I said little consolidation period ( :mrgreen: )? :wink: That last one was a wink, ...
by CyclingDuo
Sat Apr 10, 2021 9:32 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14448
Views: 1111312

Re: U.S. stocks continue to soar!

overheard produce guys at the grocery store talking tesla stock price. I recall back in late 1999 a coworker telling me that the bus driver was pumping Lucent stock. My dental hygienist started talking to me about Qualcomm stock back then. Some of us have never stopped talking about it in spite of ...
by CyclingDuo
Sat Apr 10, 2021 9:22 am
Forum: Investing - Theory, News & General
Topic: CAPE: A much stronger predictor of stock returns than many think
Replies: 578
Views: 39219

Re: CAPE: A much stronger predictor of stock returns than many think

Has anyone done the work for foreign stocks? My previous post was deemed distracted formatting and removed, so I will provide this as a replacement. https://siblisresearch.com/data/cape-ratios-by-country/ https://www.starcapital.de/en/research/stock-market-valuation/ The Star Capital data at the li...
by CyclingDuo
Sat Apr 10, 2021 6:05 am
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 455
Views: 306161

Re: I can't believe I am thinking this [Panic and Survival 2008-09]

Just reading through this again, and it is so insightful every time. Thank you Sheepdog and others who bared all in stressful and emotional times. I was young during the 2008 crash and not yet a Boglehead - just a few years out of college and putting money toward retirement each year but obviously ...
by CyclingDuo
Fri Apr 09, 2021 10:43 am
Forum: Personal Investments
Topic: How to lose the desire of outperforming the market?
Replies: 112
Views: 7033

Re: How to lose the desire of outperforming the market?

Hey BH community. Quick backstory: I'm 30 years old and started investing in November 2019. Had some bad luck with my timing (invested most of my assets at the peak back then), but it turned out quite fine. At the beginning I was convinced that SCV could boost my returns, so I added it right from t...
by CyclingDuo
Fri Apr 09, 2021 8:31 am
Forum: Investing - Theory, News & General
Topic: How much do you spend annually in retirement?
Replies: 112
Views: 10452

Re: How much do you spend annually in retirement?

These are the latest plan totals at the time of this writing for a family of two, defined as a male and female between ages 19 and 50: •Thrifty plan: $402.80 per month. •Low-cost plan: $517.50 per month. •Moderate-cost plan: $640.20 per month. •Liberal plan: $800.70 per month. That's just for a fam...
by CyclingDuo
Fri Apr 09, 2021 3:38 am
Forum: Personal Investments
Topic: Best passive besides dividends?
Replies: 8
Views: 1162

Re: Best passive besides dividends?

Chemtyphoon wrote: Thu Apr 08, 2021 4:49 pm I'm 19 and am familiar with investing. I mostly trade and sell but I was wondering if there is a better more profitable way to make money than dividends?
Step one: Delete your Robinhood App
Step two: Read this mountain of wisdom - https://www.etf.com/docs/IfYouCan.pdf

CyclingDuo
by CyclingDuo
Fri Apr 09, 2021 3:32 am
Forum: Personal Investments
Topic: Job after lay-off: Which strategy to follow?
Replies: 16
Views: 2800

Re: Job after lay-off: Which strategy to follow?

Approximate Total Stock Market with these three: 3. Vanguard Institutional Index Fund Institutional Shares VINIX, ER 0.035% 6. Vanguard Mid-Cap Index Fund Admiral Shares VIMAX, 0.05% 7. Vanguard Small-Cap Index Fund Institutional Shares VSCIX, ER 0.23% https://www.bogleheads.org/wiki/Approximating_t...
by CyclingDuo
Thu Apr 08, 2021 8:40 pm
Forum: Personal Investments
Topic: Deciding it it's worth it to buy long-term individual stocks
Replies: 57
Views: 5288

Re: Deciding it it's worth it to buy long-term individual stocks

Nearly all of investments are in index funds. I have a tiny # of safe long term holds like AAPL. Nothing high risk. Is it even worth it to continue buying shares in AAPL, for example? I feel as though the $ might be better spent just continuing with whole market funds and taking advantage of compou...
by CyclingDuo
Thu Apr 08, 2021 6:58 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 High Dividend ETF - SPYD
Replies: 51
Views: 4204

Re: S&P 500 High Dividend ETF - SPYD

Many good responses on this thread. I have enjoyed learning about this ETF. Would this be a better ETF if it was market weight rather than equal weight? Would have less rebalancing and turnover. Tony Location of holding it would be key. Due to the REITS and taxes, it would work well within a Roth I...
by CyclingDuo
Thu Apr 08, 2021 5:28 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 High Dividend ETF - SPYD
Replies: 51
Views: 4204

Re: S&P 500 High Dividend ETF - SPYD

Dividends don't matter economically. Picking investments based on them doesn't serve any non-psychological purpose. Actually I take back the bit about "don't matter" -- if you're investing in taxable, they're bad. Same tax rate as LTCGs, so if your other taxable income due to pre-tax dedu...
by CyclingDuo
Thu Apr 08, 2021 9:33 am
Forum: Investing - Theory, News & General
Topic: S&P 500 High Dividend ETF - SPYD
Replies: 51
Views: 4204

Re: S&P 500 High Dividend ETF - SPYD

Dividends don't matter economically. Picking investments based on them doesn't serve any non-psychological purpose. Actually I take back the bit about "don't matter" -- if you're investing in taxable, they're bad. Same tax rate as LTCGs, so if your other taxable income due to pre-tax dedu...
by CyclingDuo
Thu Apr 08, 2021 9:31 am
Forum: Investing - Theory, News & General
Topic: S&P 500 High Dividend ETF - SPYD
Replies: 51
Views: 4204

Re: S&P 500 High Dividend ETF - SPYD

Many good responses on this thread. I have enjoyed learning about this ETF. Would this be a better ETF if it was market weight rather than equal weight? Would have less rebalancing and turnover. Tony Location of holding it would be key. Due to the REITS and taxes, it would work well within a Roth I...
by CyclingDuo
Thu Apr 08, 2021 9:16 am
Forum: Investing - Theory, News & General
Topic: How much do you spend annually in retirement?
Replies: 112
Views: 10452

Re: How much do you spend annually in retirement?

We're retired, late 60s / early 70s, in a small town in the South, with a paid-off house. Last year we spent a total of about $53K, of which: $8K income tax (fed + state) $12K donations (charitable + political) $7K Medicare premiums $9K housing-related (utilities, property tax, insurance, maintenan...
by CyclingDuo
Wed Apr 07, 2021 10:01 am
Forum: Investing - Theory, News & General
Topic: Dividends and Earnings during Recent Bear Markets
Replies: 47
Views: 3588

Re: Dividends and Earnings during Recent Bear Markets

Like any other market indicator, those are the 2021 future dividend levels investors are willing to put real money on. Who would be the idiots transacting the futures for 2021 at steep discounts to recent dividends if that was an obviously wrong estimate? Seems to me it's something to at least cons...
by CyclingDuo
Wed Apr 07, 2021 9:07 am
Forum: Investing - Theory, News & General
Topic: How much do you spend annually in retirement?
Replies: 112
Views: 10452

Re: How much do you spend annually in retirement?

I know that there are a lot of variables such as cost of living but I am curious what people spend annually in retirement. My gut tells me that $50,000 annually would be living "high on the hog" assuming all debts are paid off. If anyone is willing to share I think it would be interesting...
by CyclingDuo
Wed Apr 07, 2021 8:31 am
Forum: Personal Investments
Topic: Sell expensive Hartford funds?
Replies: 23
Views: 1544

Re: Sell expensive Hartford funds?

Thank you very much for your help. - Step #1 is complete and I have seen the "light" of the VTI/VXUS. - I will unlikely be able to use the 0% trick, as my wife and I have a combined income of ~180 (we both max out our 401k and Roth each year into VG index funds) - It sounds like my "...
by CyclingDuo
Wed Apr 07, 2021 7:08 am
Forum: Personal Investments
Topic: Sell expensive Hartford funds?
Replies: 23
Views: 1544

Re: Sell expensive Hartford funds?

I am 38 years old, married and financially comfortable in the US. 15 years ago I foolishly purchased expensive front loaded Hartford funds for my Roth and taxable accounts. I plan on selling the funds in my Roth account (since it will not incur a taxable event), but I am wondering if it would make ...
by CyclingDuo
Tue Apr 06, 2021 9:10 pm
Forum: Investing - Theory, News & General
Topic: The Emotional Side of Investing
Replies: 28
Views: 2609

Re: The Emotional Side of Investing

There certainly seems to be an emotional component to investing for many. How would you describe what it feels like to make an especially good (or bad) investment decision? How deep does it get?? Tune in to Episode 26 when Rick Ferri interviews Morgan Housel: https://bogleheads.podbean.com/e/episod...
by CyclingDuo
Mon Apr 05, 2021 11:58 am
Forum: Personal Investments
Topic: Can I makeup for previous low contributions? And review of new retirement plan.
Replies: 26
Views: 2197

Re: Can I makeup for previous low contributions? And review of new retirement plan.

Agreed. When writing that phrase, I must have been recalling my own 401k contribution history being really, really low, more so than the allowable limits, which forced me to dig up my own contribution record. Some highlights below. For the OP, I didn't start to use a 401k plan at work until I was 3...
by CyclingDuo
Mon Apr 05, 2021 8:25 am
Forum: Investing - Theory, News & General
Topic: 30 Years and 100% VTI
Replies: 111
Views: 12417

Re: 30 Years and 100% VTI

Let's say you're going to be away from your investments for 30 years and will never add another dime or see your portfolio. The point is to take human emotion out of the equation completely, so you're Tom Hanks in Cast Away for 30 years and can't find out what the markets are/economy is doing if yo...
by CyclingDuo
Mon Apr 05, 2021 7:28 am
Forum: Personal Investments
Topic: Can I makeup for previous low contributions? And review of new retirement plan.
Replies: 26
Views: 2197

Re: Can I makeup for previous low contributions? And review of new retirement plan.

Anyway for me to catch up? ... I'm 29 years old. I'm struggling to imagine how a 29 year old feels as if they are somehow behind on retirement savings. :shock: Many of us didn't even start contributing until we were older... It's not as if 401k plans have always existed, and the annual contribution...
by CyclingDuo
Sun Apr 04, 2021 2:16 pm
Forum: Personal Investments
Topic: Lower bond percentage after you won the game?
Replies: 57
Views: 6179

Re: Lower bond percentage after you won the game?

OP, The pain of loss is several times bigger than the joy of gain. KlangFool This. +1 Yes. Know thy potential loss and tolerance for pain. Those of us who have been through a rodeo or two know the drill of what it feels like to sit through a 50% drop (give or take a few % points) thanks to the dot-...
by CyclingDuo
Sun Apr 04, 2021 11:41 am
Forum: Personal Investments
Topic: WSJ article "How to Know if Your Retirement Savings Are on Track"
Replies: 33
Views: 4545

Re: WSJ article "How to Know if Your Retirement Savings Are on Track"

I saw this article today in the Wall Street journal and finally took the bait and clicked and read it. I was surprised to find that the the measure of retirement savings at a certain age was expressed compared to income instead of expenses. Despite that, I was well ahead of the benchmark following ...
by CyclingDuo
Sun Apr 04, 2021 9:58 am
Forum: Personal Investments
Topic: What is in your IPS?
Replies: 25
Views: 2278

Re: What is in your IPS?

I'm trying to finalize ours with more details beyond our current pretty basic one, but I'm not sure what it should ideally look like and how detailed it should be. Would anyone care to share the type of content their IPS? Lots of good information and links at the IPS Wiki page: https://www.boglehea...
by CyclingDuo
Fri Apr 02, 2021 11:36 am
Forum: Personal Investments
Topic: What Are You Doing Given Record Stock Market Highs and What Is Your Situation?
Replies: 120
Views: 12608

Re: What Are You Doing Given Record Stock Market Highs and What Is Your Situation?

I'm curious how people are handling this? I'm tempted to take advantage of this and transition more into cash, but then I think I have 5 more years before retiring and some of my money I won't touch for 25 years so the market may recover if it crashes again. Reading. Studying history. Exercising. C...
by CyclingDuo
Fri Apr 02, 2021 9:44 am
Forum: Investing - Theory, News & General
Topic: What am I missing? Don't max out your 401k.
Replies: 80
Views: 10541

Re: What am I missing? Don't max out your 401k.

As for the article by Nick Maggiulli, I think he makes some good points. It is not cherry picking to say many people have 401Ks with fees higher than 0.45%. Tax brackets do matter in the consideration, but the fact that his personal tax-bracket is higher than most does not nullify his point. Same t...
by CyclingDuo
Thu Apr 01, 2021 9:49 am
Forum: Investing - Theory, News & General
Topic: What am I missing? Don't max out your 401k.
Replies: 80
Views: 10541

Re: What am I missing? Don't max out your 401k.

I have to take off for work in a few minutes, but the Ritholtz CEO - NICK MAGGIULLI - did some interesting cherry picking that doesn't apply to many of us. How many of us are buying real estate in Manhattan? Not my household. How many of us have 401k fees that are 0.45% or higher? Not my household....
by CyclingDuo
Thu Apr 01, 2021 9:12 am
Forum: Investing - Theory, News & General
Topic: What am I missing? Don't max out your 401k.
Replies: 80
Views: 10541

Re: What am I missing? Don't max out your 401k.

I am not sure I understand the argument you are making. Are you somehow comparing those great 401K savings returns using an SP500 fund with the same amount invested in a taxable account in an SP500 fund? No one, other than that weird guy in the video, is arguing not to contribute when there is a co...
by CyclingDuo
Thu Apr 01, 2021 7:21 am
Forum: Investing - Theory, News & General
Topic: What am I missing? Don't max out your 401k.
Replies: 80
Views: 10541

Re: What am I missing? Don't max out your 401k.

Pick the year you started (or should have started for some) and see where you would be with the S&P 500 Index Fund (VOO): https://live.staticflickr.com/65535/51002720839_67285a19b2_c.jpg And that excludes any company match, which would be extra gravy! Correct! It also doesn't include the additi...
by CyclingDuo
Thu Apr 01, 2021 6:45 am
Forum: Investing - Theory, News & General
Topic: What am I missing? Don't max out your 401k.
Replies: 80
Views: 10541

Re: What am I missing? Don't max out your 401k.

Of Dollars and Data article: Why You Shouldn’t Max Out Your 401(k) Phooey! What if You Always Maxed Out Your 401k? https://retireby40.org/what-if-always-maxed-401k/ Pick the year you started (or should have started for some) and see where you would be with the S&P 500 Index Fund (VOO): https://...
by CyclingDuo
Thu Apr 01, 2021 5:51 am
Forum: Personal Investments
Topic: Beneficiary of a non qualified annuity
Replies: 4
Views: 415

Re: Beneficiary of a non qualified annuity

Wiggums wrote: Thu Apr 01, 2021 3:10 amHow taxes are paid on an inherited annuity will depend on the payout structure selected (you choose lumpsum) and the status of the beneficiary (you ate a non-spouse).


Your typo almost caused me to spit my coffee out. :beer
by CyclingDuo
Wed Mar 31, 2021 9:51 pm
Forum: Personal Investments
Topic: Good Pension and asset allocation
Replies: 31
Views: 2881

Re: Good Pension and asset allocation

I am currently working and and am 43 years old, married with 2 kids. In 13 years, at 56 years of age, my pension should be worth around $85,000 a year and I will have retiree health benefits. I would like to retire at 56. The pension has colas and is through local government and has a good rating f...
by CyclingDuo
Wed Mar 31, 2021 9:30 am
Forum: Personal Investments
Topic: Buying dividend stocks
Replies: 36
Views: 3566

Re: Buying dividend stocks

I think a grouping of diversified dividend paying companies is a great way to supplement your BH three fund approach. Some would agree. If I understood the OP correctly, or address what many may also be interested in, it would all seem to somehow fall under the category of creating or building your...
by CyclingDuo
Wed Mar 31, 2021 8:51 am
Forum: Personal Investments
Topic: Employer 401K Losing Out of Matched Money
Replies: 39
Views: 2399

Re: Employer 401K Screwing Me Out of Matched Money

Hi folks, I'm a sales guy. I have a standard base salary but I make the majority of my income in commission, which is paid out once a month. It fluctuates slightly, but generally stays within + or - $5k. My employer unfortunately only matches on a per payroll basis as long as I, the employee, make ...
by CyclingDuo
Wed Mar 31, 2021 8:46 am
Forum: Personal Investments
Topic: Approximating Total Stock Market
Replies: 4
Views: 345

Re: Approximating Total Stock Market

I'm trying to approximate the total stock market index in my 401k. The funds I have: Northern Trust S&P 500 Index Fund (don't see a ticker symbol) Vanguard Mid-Cap Index Fund (VMCIX) Northern Trust Collective Russell 2000 Index Fund (don't see a ticker symbol) How would you allocate these in a ...
by CyclingDuo
Tue Mar 30, 2021 4:59 pm
Forum: Personal Investments
Topic: Buying dividend stocks
Replies: 36
Views: 3566

Re: Buying dividend stocks

During the Great Recession, the dividends paid out by the S&P 500 fell and didn’t recover (even nominally) for 4 years: https://www.multpl.com/s-p-500-dividend/table/by-year Not all of those stocks are high dividend, but I wouldn’t bet my retirement on continuing dividends from a small number o...
by CyclingDuo
Tue Mar 30, 2021 9:08 am
Forum: Investing - Theory, News & General
Topic: Dividends vs no dividends. A case study.
Replies: 53
Views: 3852

Re: Dividends vs no dividends quantified

This makes no sense. Apples to apples, the only difference would be tax paid on the dividend. In a taxable account, one is paying tax on the dividend whether the dividend is reinvested or received in cash. Tony That all depends on the household and their use of Roth IRA space and taxable account sp...
by CyclingDuo
Mon Mar 29, 2021 8:25 pm
Forum: Personal Investments
Topic: Buying dividend stocks
Replies: 36
Views: 3566

Re: Buying dividend stocks

During the Great Recession, the dividends paid out by the S&P 500 fell and didn’t recover (even nominally) for 4 years: https://www.multpl.com/s-p-500-dividend/table/by-year Not all of those stocks are high dividend, but I wouldn’t bet my retirement on continuing dividends from a small number o...
by CyclingDuo
Mon Mar 29, 2021 11:47 am
Forum: Personal Investments
Topic: Buying dividend stocks
Replies: 36
Views: 3566

Re: Buying dividend stocks

With bond fund interest rates so low, is there anything wrong in retirement with buying high dividend stocks and holding them forever? Seems a lot of people think buying stocks just for the dividends is a bad idea. I'm talking stocks that would hopefully not cut their dividends. There are plenty of...
by CyclingDuo
Sun Mar 28, 2021 7:46 pm
Forum: Personal Investments
Topic: Need advice on a 1-2 year investment plan
Replies: 10
Views: 1010

Re: Need advice on a 1-2 year investment plan

Question: With interest rates so low the money is basically not growing in any savings account BUT I'm planning on a large purchase for an engagement ring in the next 1-2 years, which will likely cost me around $20k . So the question is, what do I do with the cash in the mean time? $20K for an enga...
by CyclingDuo
Sun Mar 28, 2021 12:08 pm
Forum: Personal Investments
Topic: Does my plan make sense? Do you think it's doable?
Replies: 10
Views: 949

Re: Does my plan make sense? Do you think it's doable?

It sounds like your wife doesn’t have any retirement accounts. You can open a 2020 Roth IRA ($7,000) by May 15, 2021(2020 tax filing date), then fund her 2021 Roth IRA $7,000 contribution. Are we 100% sure on that extension of the Roth IRA? Fidelity's home page still says this... The IRS has extend...