Search found 4010 matches

by aristotelian
Thu May 24, 2018 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do: TIAA traditional vs. TREA?
Replies: 5
Views: 253

Re: What would you do: TIAA traditional vs. TREA?

I would do TIAA Traditional in your employer plan, US and International stock funds in your brokerage account. Personally, I do not have any position in Real Estate. My thinking is that the sector is already included in the index funds, I don't fully understand TREA, and equities have the same or hi...
by aristotelian
Wed May 23, 2018 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Bond conundrum: looking for recommendations
Replies: 18
Views: 1838

Re: Bond conundrum: looking for recommendations

You don't want equities pretax because the growth will be taxed at your marginal rate! Convert the pretax accounts to bonds and CDs, and supplement with Munis in your taxable account. Thx aristotle, not sure if the terms I'm using are the clearest. By pre-tax I mean tax-advantaged. I hear what live...
by aristotelian
Tue May 22, 2018 5:10 pm
Forum: Investing - Theory, News & General
Topic: If RMD are large should you still defer into 401k
Replies: 32
Views: 2947

Re: If RMD are large should you still defer into 401k

What is your current marginal tax bracket?
by aristotelian
Tue May 22, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1405735

Re: U.S. stocks in freefall

Warren Buffett is a professional investor with a once-in-a-generation talent for his profession. It's hard for me to see the relevance of his professional investing strategy to ordinary people who don't have the time, talent, money, or inclination to do what he does. To the extent that he offers in...
by aristotelian
Tue May 22, 2018 7:04 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond Market
Replies: 12
Views: 1865

Re: Total Bond Market

Ideally, you would have sold it at the moment that interest rates bottomed out, and you will buy it at the moment that they peak again. Since the future cannot be known, the next best thing is to hold through ups and downs at a determined allocation. Plan for the risk and then stick with your plan w...
by aristotelian
Mon May 21, 2018 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Equal Weighting
Replies: 14
Views: 887

Re: Equal Weighting

Seems similar to Merriman's portfolio. IMO, all the slices just dilute one another. Much simpler to own total stock and pick one or two factors that you can commit to.
by aristotelian
Mon May 21, 2018 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Bond conundrum: looking for recommendations
Replies: 18
Views: 1838

Re: Bond conundrum: looking for recommendations

You don't want equities pretax because the growth will be taxed at your marginal rate! Convert the pretax accounts to bonds and CDs, and supplement with Munis in your taxable account.
by aristotelian
Mon May 21, 2018 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me rationalise this 401k investment choice
Replies: 23
Views: 1250

Re: Please help me rationalise this 401k investment choice

I would go with VINIX and hold international in a taxable account or Roth with lower expense ratio. If you wanted to hold a small amount of the DFA Targeted Value fund I would not object. Biggest issue is lack of a bond fund but maybe they just aren't showing from your screenshot.
by aristotelian
Mon May 21, 2018 12:08 pm
Forum: Investing - Theory, News & General
Topic: Roll your own index fund current viability
Replies: 22
Views: 1398

Re: Roll your own index fund current viability

With increased opportunities for tax loss harvesting, it is possible that you could have a negative expense ratio. I would say give it a shot if you have the energy and enough money to be able to construct a diversified portfolio for yourself.
by aristotelian
Mon May 21, 2018 7:53 am
Forum: Investing - Help with Personal Investments
Topic: Newly widowed, how do I invest 1.5 million life ins. proceeds
Replies: 72
Views: 7683

Re: Newly widowed, how do I invest 1.5 million life ins. proceeds

I would suggest you read the free PDF essay, "If You Can" by William Bernstein. He makes a very simple case for Do-It-Yourself investing instead of going to a professional. As Bernstein says, most people with the intelligence of a 5 year old should be able to construct a simple portfolio that outpe...
by aristotelian
Sun May 20, 2018 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Newly widowed, how do I invest 1.5 million life ins. proceeds
Replies: 72
Views: 7683

Re: Newly widowed, how do I invest 1.5 million life ins. proceeds

4. You need to get a job with health benefits this year. The windfall amount allows some flexibility (get a pleasant, short commute job vs high pay/high stress). The kids need to see that their mom is working hard, so they will also work hard. I don't think anyone in this forum is in a position to ...
by aristotelian
Sun May 20, 2018 6:31 pm
Forum: Investing - Theory, News & General
Topic: China and EM
Replies: 20
Views: 1954

Re: China and EM

It seems inevitable that FTSE will eventually transition China to a developed market status. That would certainly have an interesting effect on an emerging markets fund like VWO. It seems ripe for a bloodbath, if you’re asleep at the switch and don’t sell off ahead of time. Why specifically would t...
by aristotelian
Sun May 20, 2018 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Newly widowed, how do I invest 1.5 million life ins. proceeds
Replies: 72
Views: 7683

Re: Newly widowed, how do I invest 1.5 million life ins. proceeds

OP, I would suggest you read the free PDF essay, "If You Can" by William Bernstein. He makes a very simple case for Do-It-Yourself investing instead of going to a professional. As Bernstein says, most people with the intelligence of a 5 year old should be able to construct a simple portfolio that ou...
by aristotelian
Sun May 20, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer on Death Accounts
Replies: 28
Views: 2095

Re: Transfer on Death Accounts

goldy18 wrote:
Sat May 19, 2018 7:42 pm
What's the other thread?
viewtopic.php?f=2&t=249453
I don't see anyone on that thread arguing against setting up accounts to TOD. It appears to be an issue with Wells Fargo in particular.
by aristotelian
Thu May 17, 2018 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Long term investment in grains/wheat
Replies: 22
Views: 1315

Re: Long term investment in grains/wheat

Stock in Archer Daniels, The Andersons, or Cargill?
by aristotelian
Thu May 17, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Gifts for Kids... 529? Savings Bonds? What's the best option?
Replies: 8
Views: 717

Re: Financial Gifts for Kids... 529? Savings Bonds? What's the best option?

Open your own 529 with the kids as beneficiaries. No worries about the money being misspent because it is technically yours until it is distributed. UTMA would be another option.
by aristotelian
Thu May 17, 2018 2:34 pm
Forum: Investing - Theory, News & General
Topic: Good idea investing now in long term funds?
Replies: 57
Views: 3994

Re: Good idea investing now in long term funds?

The argument that you have to be able to hold LT bonds for X number of year would also seem to apply to stocks. I think I would be Ok holding a certain allocation in LT bonds, but it should be regarded more like "alternatives" that have the same risk profile as stocks but aren't correlated to the m...
by aristotelian
Thu May 17, 2018 1:33 pm
Forum: Investing - Theory, News & General
Topic: Good idea investing now in long term funds?
Replies: 57
Views: 3994

Re: Good idea investing now in long term funds?

The argument that you have to be able to hold LT bonds for X number of year would also seem to apply to stocks. I think I would be Ok holding a certain allocation in LT bonds, but it should be regarded more like "alternatives" that have the same risk profile as stocks but aren't correlated to the ma...
by aristotelian
Thu May 17, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Hot food flavoring (sauces, spices and peppers)
Replies: 51
Views: 2785

Re: Hot food flavoring (sauces, spices and peppers)

My go-to is Tapatio. Unfortunately the salt is kind of what makes them jump. You can also just steep some jalapenos or Thai chilis in white vinegar and a bit of salt. Both the peppers and the vinegar make a good topping for Asian dishes. Also escebeche (not sure if I spelled that right) is a great s...
by aristotelian
Thu May 17, 2018 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: How do I solve my SEP/solo-401(k)/tIRA (with basis)/backdoor Roth conundrum?
Replies: 12
Views: 525

Re: How do I solve my SEP/solo-401(k)/tIRA (with basis)/backdoor Roth conundrum?

General approach sounds right to me. I don't get why you would have to wait until 2019 to start the process. Why not open the Solo 401k now and start funding it? Roll the SEP into the IRA or the 401k.
by aristotelian
Wed May 16, 2018 8:17 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 441
Views: 22342

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

You can have fairly massive wealth and low taxable income in retirement. Here is a good example: https://www.bogleheads.org/forum/viewtopic.php?t=87471 With tax free Roth and taxable accounts (on which principal has already been taxed), only a small portion of your spending is going to be withdrawin...
by aristotelian
Wed May 16, 2018 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond vs Intermediate Treasuries?
Replies: 26
Views: 4577

Re: Total Bond vs Intermediate Treasuries?

OP, I agree with you. I see no reason to hold corporate bonds that are more correlated with stocks. The only reason to hold them is increased return. If I want to increase return I will increase stocks. Back testing isn't 100% but it's the best we got.
by aristotelian
Wed May 16, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Need Input on My Early Retirement Plan.....
Replies: 45
Views: 5339

Re: Need Input on My Early Retirement Plan.....

Yes, makes sense. Outside of cash for 3 years of living expenses (if we go that route), any money not used for the mortgage would remain in stocks. Why would you carry a mortgage at all with a $3M portfolio? You are trying to leverage debt to invest in stocks? I don't think that makes much sense in...
by aristotelian
Wed May 16, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Need Input on My Early Retirement Plan.....
Replies: 45
Views: 5339

Re: Need Input on My Early Retirement Plan.....

Yes, makes sense. Outside of cash for 3 years of living expenses (if we go that route), any money not used for the mortgage would remain in stocks. Why would you carry a mortgage at all with a $3M portfolio? You are trying to leverage debt to invest in stocks? I don't think that makes much sense in...
by aristotelian
Wed May 16, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Need Input on My Early Retirement Plan.....
Replies: 45
Views: 5339

Re: Need Input on My Early Retirement Plan.....

To answer your questions, we're close to $2.9mn now. My wife and I are still working and maxing our our retirement accounts. The money left over normally would go into taxable investment accounts. However, since we're looking to buy a house in two years we're now taking the surplus and putting it i...
by aristotelian
Wed May 16, 2018 6:16 am
Forum: Personal Finance (Not Investing)
Topic: Becoming a Certified Financial Planner
Replies: 21
Views: 2162

Re: Becoming a Certified Financial Planner

My understanding is that to even sit for the CFP exam, you need three years full time experience in the business. That would be a dealbreaker for me. Consider taking the CFP coursework and then working as an unlicensed "financial coach" instead. https://www.kitces.com/blog/financial-coaching-what-it...
by aristotelian
Tue May 15, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Would like to learn more about Roth vs Traditional (403b)
Replies: 19
Views: 1353

Re: Would like to learn more about Roth vs Traditional (403b)

Lets agree to disagree. :P I plan on having a 7-figure income in my 50s and 60s. Now, I earn a bit less, so that is why I do 50/50. I am surprised I am not doing 100% Roth 401k to be honest. Why would anyone plan on being less successful/poorer/less income in the future? I will never understand. I ...
by aristotelian
Tue May 15, 2018 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: How can I clear $40-60,000/yr with $1,000,000 cash... Low Risk?
Replies: 71
Views: 10438

Re: How can I clear $40-60,000/yr with $1,000,000 cash... Low Risk?

Seriously though has noone mentioned annuity option. I'm betting the op could spent a million dollars and easily buy an annuity that would pay him 40k after tax a year. A 40 year old could buy an annuity for 1 million that pays 46k a year for life. I thought of that but not sure if that counts as p...
by aristotelian
Tue May 15, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Junk Bond fund
Replies: 65
Views: 3637

Re: Vanguard Junk Bond fund

More risk and higher correlation to stocks than US Treasuries or Total Bond Market. I would consider it only as an "alternative" and not a substitute for your bond allocation.
by aristotelian
Mon May 14, 2018 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: A Very Unique Inflation Fund
Replies: 11
Views: 1280

Re: A Very Unique Inflation Fund

Figure out what's in it and then roll your own version with index funds. You can probably get something 95% correlated with greater transparency.
by aristotelian
Mon May 14, 2018 6:05 pm
Forum: Investing - Theory, News & General
Topic: Good idea investing now in long term funds?
Replies: 57
Views: 3994

Re: Good idea investing now in long term funds?

Probably not a good time if I had to bet. But you never know, stocks could crash at any moment and there could be a flight to safety. If that's why you have long bonds in your portfolio, I would see no reason to change course, as now does not appear to be a good time for stocks either.
by aristotelian
Mon May 14, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: How to think about schools/homes (Greatschools/Niche)
Replies: 70
Views: 4485

Re: How to think about schools/homes (Greatschools/Niche)

Schools are very important. I would certainly consider moving to find one with the right fit. Also consider the availability of private options if publics don't work out. I would not trust Greatschools rankings. Visit the schools yourself, or at least talk to parents in the two areas.
by aristotelian
Mon May 14, 2018 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Special needs inheritance situation: whole life insurance?
Replies: 6
Views: 914

Re: Special needs inheritance situation: whole life insurance?

Simplest option would be for your mom to purchase Long Term Care Insurance to protect her estate. Then she retains control for now and is guaranteed to leave something behind for your sister. I also think she should start gifting to your sister and consider setting her up with an annuity. I definite...
by aristotelian
Mon May 14, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 81
Views: 4335

Re: keyless ignitions and carbon monoxide

The article mentions "over two dozen" people being killed in this fashion since 2006. While tragic in each and every case, this number over this amount of time is hardly indicative of a public health emergency. The original version of the article also claimed that CO built up in a garage not only k...
by aristotelian
Mon May 14, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Need Input on My Early Retirement Plan.....
Replies: 45
Views: 5339

Re: Need Input on My Early Retirement Plan.....

I am confused. How much money do you have now? Do you have bonds? If you have bonds, why would you carry a mortgage in retirement? They are just canceling one another out. What do you mean that you are "working on" saving cash? Why not simply sell some of your stocks while the market is high? Most p...
by aristotelian
Mon May 14, 2018 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA from Brokerage to Bank CD
Replies: 8
Views: 447

Re: Inherited IRA from Brokerage to Bank CD

Path of least resistance would be to buy CDs through the brokerage. Any of the big brokerages offer CDs from third party banks. Then you also have the option to invest in stocks and bonds.
by aristotelian
Sun May 13, 2018 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market instead of bond fund
Replies: 40
Views: 4977

Re: Vanguard Prime Money Market instead of bond fund

If I strongly felt interest rates would rise over the next two years, I would get rid of long duration funds. I would keep mid duration funds only to the extent that I didn t need the fund liquidity. If you felt that stocks were going to go down in the next two years, would you get out of stocks?
by aristotelian
Sun May 13, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: Why are rising Bond Yields bad?
Replies: 37
Views: 4413

Re: Why are rising Bond Yields bad?

Let me put in a dissenting view. The market is predicting a very slow rise back to a more normal rate structure, with very low inflation over the next 10 years. Inflation could spike and crush bondholders. The yield curve is low and flat. It has never been this extreme before in the US. Where it ha...
by aristotelian
Sun May 13, 2018 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX or VEXAX [Vanguard Total Stock Market vs. Extended Market Index]
Replies: 11
Views: 827

Re: VTSAX or VEXAX

Doesn't make much sense to have VTSAX, S&P, and Extended Market, since VTSAX is made up of S&P plus Extended Market. If you want to overweight small and midcap, you would want to get rid of S&P. If you want total stock market, you would just do VTSAX and nothing else. Having all three is needlessly ...
by aristotelian
Sun May 13, 2018 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market instead of bond fund
Replies: 40
Views: 4977

Re: Vanguard Prime Money Market instead of bond fund

I use it for my emergency fund. I would not do it for my entire bond allocation as such a low yield will likely lose to inflation and underperform bond market index. Therefore, you will either need to save a lot more or take more risk on the stock side in order to generate the same returns as a stan...
by aristotelian
Sun May 13, 2018 11:20 am
Forum: Investing - Theory, News & General
Topic: Doubling Your Money
Replies: 32
Views: 6665

Re: Doubling Your Money

Depends on the expected return of your portfolio. A conservative estimate would be 20 years using the interest rate on EE Bonds which is about 3.5%. Note that is nominal doubling, not real. Stocks earning 10% average might double in 6 years but of course that is not guaranteed.
by aristotelian
Sat May 12, 2018 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: International Stocks In A Taxable Account Index Fund
Replies: 5
Views: 733

Re: International Stocks In A Taxable Account Index Fund

The reason for holding international in taxable is that taxes on foreign dividends are withheld. When you pay taxes on taxable account, you can get reimbursed for the foreign taxes through the foreign tax credit. If you hold the fund in an IRA, you cannot claim the credit. It's generally not a major...
by aristotelian
Fri May 11, 2018 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: ques
Replies: 47
Views: 4371

Re: Should I pay cash for a house?

Are the posters suggesting he invest the money instead of paying cash for the house, currently borrowing money against the equity in their house to put it into the stock market? I am not currently. I invested for 10 years and then paid off the mortgage with gains from the bull market when I had suf...
by aristotelian
Fri May 11, 2018 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate
Replies: 67
Views: 3420

Re: TIAA Real Estate

I do not like investing in instruments that I do not understand, and TIAA is not very transparent in how this fund works or how it is priced. I read the prospectus yesterday, and I think it's transparent how the fund is priced. http://www.tiaa.org/public/prospectuses Here's a summary: Directly held...
by aristotelian
Fri May 11, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: ques
Replies: 47
Views: 4371

Re: Should I pay cash for a house?

The odds are close to 100% that investing stocks will beat the interest rate on a mortgage over 15-30 years. For a 30 year old, I would take the mortgage...but you can't really go wrong either way. You could split the difference and take out a mortgage for $150K or so.
by aristotelian
Fri May 11, 2018 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: How close do you cut your monthly surplus?
Replies: 22
Views: 3034

Re: How close do you cut your monthly surplus?

$1K surplus monthly is silly when you aren't maxing your retirement accounts. Keep in mind that cutting $1K monthly from your paycheck would increase your savings by $1220K in pre-tax account (assuming 22% tax bracket). Since you should have accumulated a bunch of cash by now, I would cut the surplu...
by aristotelian
Fri May 11, 2018 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do to lower our oversized emergency fund?
Replies: 35
Views: 3276

Re: What would you do to lower our oversized emergency fund?

#1 Emergency Fund is fine. Some on the forum have EF 10x that. Sometimes "not" doing something when there's an urge to "do something" is "doing something". aloha j I doubt there are many with $1M+ in EF and only $13K x 2 Roth IRA's. OP should absolutely his advantaged accounts. There is no downside...
by aristotelian
Fri May 11, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Athens Greece in Sept
Replies: 17
Views: 1265

Re: Athens Greece in Sept

My favorite sight on our Greece trip was the Oracle at Delphi. Mycennae was also cool. Athens didn't do too much for me. Agree that bulk of time is best spent on an island.
by aristotelian
Fri May 11, 2018 7:53 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate
Replies: 67
Views: 3420

Re: TIAA Real Estate

Like your questions about TIAA Traditional, their Real Estate fund is a unique investment. As a one of a kind investment, it is very hard to evaluate. You kind of have to trust that TIAA knows what they are doing. Although I do have a large % of my fixed income in TIAA Traditional, I personally avoi...
by aristotelian
Thu May 10, 2018 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance - all blue chip - now what?
Replies: 12
Views: 1826

Re: Inheritance - all blue chip - now what?

You could certainly cash out and invest in index funds. I might consider just letting it ride to see how his portfolio does. It obviously worked for him and it at least sounds reasonably diversified. Either way, you probably can't go wrong. 11 years seems like a long time for a trust for a 28 year o...