Search found 220 matches

by dogagility
Sat Dec 15, 2018 4:57 am
Forum: Investing - Help with Personal Investments
Topic: 529 with a Windfall
Replies: 22
Views: 1641

Re: 529 with a Windfall

Thanks everyone. I've been researching and looking into your advice and I think I'm starting to get an idea of what we are going to do. I want to superfund all 3 529's with ~90k and use the age based option. Does it make sense to superfund all 3 at the same time? PA allows us to take $30k deduction...
by dogagility
Fri Dec 14, 2018 6:55 am
Forum: Investing - Help with Personal Investments
Topic: 529 with a Windfall
Replies: 22
Views: 1641

Re: 529 with a Windfall

Weirs, Here's my perspective after having one kiddo just obtain her BS, another as a sophomore in college, and having lived in PA. 1. The state income tax deduction is nice and should be taken advantage of. 2. College isn't cheap. If your family income at the time of filling out the FAFSA/CSS profil...
by dogagility
Fri Dec 14, 2018 6:36 am
Forum: Investing - Help with Personal Investments
Topic: In a Bear Market, What Are Some Best Practices
Replies: 53
Views: 6885

Re: In a Bear Market, What Are Some Best Practices

1. Setup automatic payments to all investment accounts - as much as you can pump into them. 2. Enter the wrong password 10 times on the login screen of your brokerage website to ensure your account is locked out. 3. Enjoy life. 4. When you are ready to retire - call brokerage and get account reset....
by dogagility
Wed Dec 12, 2018 5:37 pm
Forum: Investing - Theory, News & General
Topic: Recession Coming
Replies: 49
Views: 6062

Re: Recession Coming

Time2Quit wrote:
Wed Dec 12, 2018 4:36 pm
Question becomes:
Do you deploy your dry powder now to get into the proper allocation or stay on the sidelines and wait it out?
Maintaining "dry powder" doesn't increase returns in the long run. Advice on Bogleheads is to pick an asset allocation and stick with it.
by dogagility
Tue Dec 11, 2018 8:54 pm
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 224
Views: 16812

Re: What Happened to you during the Financial crisis of 2007–2008

We were 100% stock. Here's what happened to us. 1. We "lost" (on paper) a sum of money. 2. We were confident in the world economy and trusted the loss would rebound. 3. We were resilient in knowing we could change our lifestyle/spending habits if need be to weather the duration of the downturn. 4. B...
by dogagility
Tue Dec 11, 2018 7:15 pm
Forum: Investing - Theory, News & General
Topic: Vangurad's 2019 Economic and Market Outlook
Replies: 27
Views: 2721

Re: Vangurad's 2019 Economic and Market Outlook

As Bogle says... Nobody knows nothin'
by dogagility
Fri Dec 07, 2018 6:22 am
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 12622

Re: Who else is getting excited?

Yawn..... A little positive side of zero for the year. Not very exciting (in my book) as a retiree. Birthday this month, seems Decembers are coming faster than they used too. ... that's not very exciting either. Leaving for a three week cruise soon, that's exciting. plus 1 (except for the retiremen...
by dogagility
Fri Dec 07, 2018 6:17 am
Forum: Investing - Theory, News & General
Topic: Where did you think we'd be today, ten years ago?
Replies: 38
Views: 2860

Re: Where did you think we'd be today, ten years ago?

Out of pure curiosity, how did you know this? First, that's the history of the stock market. You may not know when it will come back, or how fast it will come back, but it will come back. This stock dip was just another in a long line of stock dips. Second, we were betting on American business. The...
by dogagility
Thu Dec 06, 2018 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: In a Bear Market, What Are Some Best Practices
Replies: 53
Views: 6885

Re: In a Bear Market, What Are Some Best Practices

My twist on this that's worked great over many-many years: Four Two things: 1) don't sell; 2) keep buying equities(with new money only); 3) turn off all financial news ; 4) don't check your balances (except when time to re-balance to meet your AA ). I don't bother with 3 & 4 because they are no fun...
by dogagility
Thu Dec 06, 2018 5:14 am
Forum: Investing - Theory, News & General
Topic: The risks of equities when saving for retirement
Replies: 38
Views: 3367

Re: The risks of equities when saving for retirement

Total portfolio value at the end of the first period would have been $428,788 in 1972 dollars on a total investment of $200,000 in annual (inflation-adjusted) $10K increments. This is a gain of $228,778 in real dollars over the 20-year period or 114%. Total portfolio value at the end of the second ...
by dogagility
Wed Dec 05, 2018 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: In a Bear Market, What Are Some Best Practices
Replies: 53
Views: 6885

Re: In a Bear Market, What Are Some Best Practices

Four things: 1) don't sell; 2) keep buying; 3) turn off all financial news; 4) don't check your balances (except when time to rebalance to meet your AA).
by dogagility
Wed Dec 05, 2018 5:58 pm
Forum: Investing - Theory, News & General
Topic: The risks of equities when saving for retirement
Replies: 38
Views: 3367

Re: The risks of equities when saving for retirement

Conventional wisdom might decree that the client with 20 years remaining should not be worried because stock market ups and downs will balance out over time, and additional stability will be provided by 20 years of future savings contributions But that’s not what the results of this analysis indica...
by dogagility
Wed Dec 05, 2018 5:22 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8616
Views: 1680895

Re: U.S. stocks in freefall

willthrill81 wrote:
Tue Dec 04, 2018 4:23 pm
Maybe the market won't recover by the time my regular 401k and HSA contributions hit next week.
Though it makes little difference in the long run, this way my thought too. Mine hit this Thurs and Friday.

Buyin' the dips baby! Market timing all the way! :D
by dogagility
Mon Dec 03, 2018 8:05 pm
Forum: Investing - Theory, News & General
Topic: Edward Jones a Review and Analysis: Can Edward Jones be Used for a Boglehead Three Fund Portfolio?
Replies: 36
Views: 3571

Re: Edward Jones a Review and Analysis: Can Edward Jones be Used for a Boglehead Three Fund Portfolio?

Are you sure your Edward Jones FA is the person you want to be working with your tax attorney and CPA? Most of them are trained in sales, specifically sales of whatever EJ wants them to sell, not skilled at understanding complicated financial situations. I figured I would try it, but I check everyt...
by dogagility
Sun Dec 02, 2018 8:29 pm
Forum: Investing - Theory, News & General
Topic: Edward Jones a Review and Analysis: Can Edward Jones be Used for a Boglehead Three Fund Portfolio?
Replies: 36
Views: 3571

Re: Edward Jones a Review and Analysis: Can Edward Jones be Used for a Boglehead Three Fund Portfolio?

Yes, no rationale reason to use EJ under any circumstances. If one needs a FA, better advice is available at a much lower cost through Vanguard or a fee-only advisor.

Suggesting any investor use EJ is throwing this person to the financial wolves and irresponsible.
by dogagility
Sun Dec 02, 2018 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Hi yield savings yield question
Replies: 11
Views: 1087

Re: Hi yield savings yield question

+1 Ally. Customer service is excellent. Good website. ACH transfers are not a problem, in my experience.
by dogagility
Sun Dec 02, 2018 6:38 am
Forum: Investing - Help with Personal Investments
Topic: My mutual funds are declining, please help!
Replies: 54
Views: 5106

Re: My mutual funds are declining, please help!

people are afraid of crashes because it can potentially cause financial ruin even if you stay the course... 2000-2013 was flat inflation adjusted, that is 13 whole years with nothing to show for it while taking substantial capital risk. If one would've sinply put their money in a risk free CD they ...
by dogagility
Sun Dec 02, 2018 6:27 am
Forum: Investing - Theory, News & General
Topic: HSA employee contributions subject to FICA?
Replies: 42
Views: 2851

Re: HSA employee contributions subject to FICA?

My understanding is this. If a person has a medical expense and an HSA account, that person doesn't need to pay the expense with HSA funds. At this point, there are two options. 1) save the medical expense receipt for later (pre-retirement age) penalty free withdrawal of HSA funds in that amount or ...
by dogagility
Fri Nov 30, 2018 5:59 am
Forum: Investing - Help with Personal Investments
Topic: Investing all at once vs dollar cost averaging?
Replies: 39
Views: 2556

Re: Investing all at once vs dollar cost averaging?

All at once. DCA isn't grounded in any logic whatsoever and is also a losing strategy. IMHO, the vast majority of ordinary people, who work for a salary have a regularly-timed paycheck. Investing part of this at specific intervals is just the normal, natural thing to do. I'm in the lump sum camp. T...
by dogagility
Thu Nov 29, 2018 5:37 pm
Forum: Investing - Theory, News & General
Topic: Bogle Sounds a Warning on Index Funds
Replies: 103
Views: 17988

Re: WSJ: Bogle Sounds a Warning on Index Funds

The story is behind a paywall... so most people won't be able to read it.
by dogagility
Wed Nov 28, 2018 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation—no bonds at all for a young(ish) and broke(ish) investor?
Replies: 49
Views: 2772

Re: Asset allocation—no bonds at all for a young(ish) and broke(ish) investor?

I am interested in achieving as much of a "set-and-forget" degree of diversification as possible, and most people don't stay with 100% stocks forever, right? So I guess my next question is: When do you all plan to add bonds into your portfolio (if ever)? I was 100% stock up until I thought I might ...
by dogagility
Wed Nov 28, 2018 6:44 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation—no bonds at all for a young(ish) and broke(ish) investor?
Replies: 49
Views: 2772

Re: Asset allocation—no bonds at all for a young(ish) and broke(ish) investor?

Yes, it's OK to be invested 100% in stocks with your investing timeline. However, just know that another 2008 event can happen where your principal might be reduced by 50% or more. You need to have faith in the market during those times and NOT SELL during these downturns. If you sell at these times...
by dogagility
Tue Nov 27, 2018 6:31 pm
Forum: Investing - Theory, News & General
Topic: Fidelity’s zero-fee campaign spurs $6.6bn of inflows Boston manager outsells Vanguard by more than 40% in October after
Replies: 58
Views: 5328

Re: Fidelity’s zero-fee campaign spurs $6.6bn of inflows Boston manager outsells Vanguard by more than 40% in October a

Perhaps someone can help me understand because I don’t. What is in it for Fidelity to take in billions of assets under management that they will earn zero fees on? It's a loss-leader. They expect some people will pay for other services. Is it sustainable long term? Define long term? For the foresee...
by dogagility
Wed Nov 21, 2018 6:30 am
Forum: Investing - Help with Personal Investments
Topic: I was 30% into US stocks.. Down 5.5% YTD. Should I now get back in ?
Replies: 14
Views: 1953

Re: I was 30% into US stocks.. Down 5.5% YTD. Should I now get back in ?

So I'm 50:30:20 into CashBond:USstock:IntlStock. Always been like that. So average around 8-9% growth in the past 4-5 years. Down 5% YTD this year and not really taking too much hit due to recent decline. Should I get into the US market now ?? Based upon this thread and the other threads you've sta...
by dogagility
Sun Nov 18, 2018 6:33 am
Forum: Investing - Help with Personal Investments
Topic: Should we drop our manager, for 4-fund portfolio?
Replies: 66
Views: 6265

Re: Should we drop our manager, for 4-fund portfolio?

I'm seeing more retirees doing this. Good if you enjoy driving. Up and out early each day and then from 8:45 am til 2:00 the day is mine, home for dinner. Nights, weekends, holidays, and summer off. After 35 years of eat-what-you-kill it's nice to just to turn the key and drive. I greet all 'my kid...
by dogagility
Sun Nov 18, 2018 5:55 am
Forum: Investing - Theory, News & General
Topic: Interview with Fidelity's Abigail Johnson
Replies: 28
Views: 3587

Re: Interview with Fidelity's Abigail Johnson

Thanks for sharing the link. :sharebeer
I've enjoyed DIY investing and banking through Fidelity and now see why this is the case: it starts with having good people leaders and these two women seem to be that in spades.
by dogagility
Sun Nov 18, 2018 4:43 am
Forum: Investing - Help with Personal Investments
Topic: In Grad school but work at a hotel which likely will be my career. Retirement?
Replies: 37
Views: 4493

Re: In Grad school but work at a hotel which likely will be my career. Retirement?

Thanks so much for the advice here. I have just been so used to always used the standard banks around me but my growth in my savings is like 0.01. SO finding a good online bank might actually be a good idea. I just have never had a bank by myself before so it is kind of scary to me. Is there a lot ...
by dogagility
Sat Nov 17, 2018 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: In Grad school but work at a hotel which likely will be my career. Retirement?
Replies: 37
Views: 4493

Re: In Grad school but work at a hotel which likely will be my career. Retirement?

When I start my full time career somewhere, what % of my salary should I put into retirement? Live frugally and put the remainder into your retirement. Do some calculations using different savings amounts/year and a 5% (after inflation) return on your investment (majority stock). See what the numbe...
by dogagility
Sat Nov 17, 2018 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Financial advisor recommendation for the Oklahoma City area
Replies: 2
Views: 245

Re: Financial advisor recommendation for the Oklahoma City area

If she doesn't need face-to-face contact with an adviser, I suggest Vanguard PAS because of the low management fee. If she requires face-to-face advice, she could look into Fidelity which has an office in OK City. Fidelity will likely charge her much more that Vanguard for that face-to-face contact....
by dogagility
Sat Nov 17, 2018 7:21 am
Forum: Investing - Theory, News & General
Topic: Fisher Investments
Replies: 20
Views: 2784

Re: Fisher Investments

I have recently discussed my retirement portfolio with a Fisher investment representative. I'm currently and have been for the last 5years with Fidelity managed funds. I was hoping to get some other peoples perspective on their interactions and hopefully history of using Fisher for just their retir...
by dogagility
Fri Nov 16, 2018 4:15 am
Forum: Investing - Theory, News & General
Topic: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?
Replies: 75
Views: 5073

Re: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?

If they dont have money in bonds, how do they have enough cash? Remember you need about 7 years in cash to avoid selling low(some say 5 others 15. depends a lot on your dwfinition of low😃)a My hypothetical investor did have a bucket of money in bonds (or cash/CDs/etc)... enough to fund 7 years of l...
by dogagility
Thu Nov 15, 2018 5:42 pm
Forum: Investing - Theory, News & General
Topic: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?
Replies: 75
Views: 5073

Re: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?

This is how I think of the bucket approach. In my opinion, this approach would be used so that one doesn't have to sell stocks when the market has declined drastically. The safe (bond or CD) bucket is a "bridge" that you spend from when stocks are "down". One would need to define what "down" is for...
by dogagility
Thu Nov 15, 2018 6:57 am
Forum: Investing - Theory, News & General
Topic: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?
Replies: 75
Views: 5073

Re: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?

This is how I think of the bucket approach. In my opinion, this approach would be used so that one doesn't have to sell stocks when the market has declined drastically. The safe (bond or CD) bucket is a "bridge" that you spend from when stocks are "down". One would need to define what "down" is for...
by dogagility
Thu Nov 15, 2018 6:14 am
Forum: Investing - Theory, News & General
Topic: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?
Replies: 75
Views: 5073

Re: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?

This is how I think of the bucket approach. In my opinion, this approach would be used so that one doesn't have to sell stocks when the market has declined drastically. The safe (bond or CD) bucket is a "bridge" that you spend from when stocks are "down". One would need to define what "down" is for ...
by dogagility
Wed Nov 14, 2018 7:25 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 7223

Re: Are you all staying the course?

Yes, staying the course.
by dogagility
Wed Nov 14, 2018 6:39 am
Forum: Investing - Help with Personal Investments
Topic: Oops! Edward Jones tops Vanguard in customer survey
Replies: 50
Views: 5308

Re: Oops! Edward Jones tops Vanguard in customer survey

jmorgans wrote:
Tue Nov 13, 2018 10:14 pm
Reminds me of patient satisfaction surveys in which the highest rated physicians are those who agree to prescribe antibiotics, order CAT scans and do unnecessary measures that patients demand. Patients leave happy but they are not getting quality care.
Exactly :beer
by dogagility
Fri Nov 09, 2018 4:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 411
Views: 46943

Re: U.S. stocks continue to soar!

H-Town wrote:
Fri Nov 09, 2018 11:50 am
No one here?

U.S. stocks in free fall thread will welcome ya'll back with open arms.
This is the glass half full, crowd! :P
by dogagility
Thu Nov 08, 2018 4:55 pm
Forum: Investing - Theory, News & General
Topic: Would you still jump if you were ready, then the market dropped 50%??
Replies: 40
Views: 4710

Re: Would you still jump if you were ready, then the market dropped 50%??

If I were retired with a significant allocation to fixed income and then market dropped 50%... I would be hard-pressed not to re-allocate a significant chunk of my fixed income allocation to equity.
by dogagility
Thu Nov 08, 2018 4:31 am
Forum: Investing - Help with Personal Investments
Topic: First time invester, help needed please
Replies: 100
Views: 5408

Re: First time invester, help needed please

What I'm getting from this is skip the cash part and skip the dividend growth/emerging markets? Would the plan below be better for me? This is the core four lazy plan.. I do want some risk as I am younger and could afford it but obviously not too much risk Vanguard Total Bond Market Index Fund VBMF...
by dogagility
Wed Nov 07, 2018 5:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 411
Views: 46943

Re: U.S. stocks continue to soar!

Doom&Gloom wrote:
Wed Nov 07, 2018 4:07 pm
To the moon, Alice! To the moon!
Hey Ralphie Boy! Whatta day, eh?!
by dogagility
Mon Nov 05, 2018 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking a balanced, aggressive portfolio
Replies: 25
Views: 1213

Re: Seeking a balanced, aggressive portfolio

This is what I have and seeking to hold for the next 20 years. It is 89% stocks/ 11% bonds. Any recommendations to balance out portfolio to protect my downside in case market tanks again? Why worry about "downside" and the market tanking when you have a 20 year investing horizon? Stay the course.
by dogagility
Sun Nov 04, 2018 6:23 am
Forum: Investing - Help with Personal Investments
Topic: Close to the Bull Trap phase of the market cycle
Replies: 32
Views: 2819

Re: Close to the Bull Trap phase of the market cycle

Hate to pile one, but the very premise of investing in stocks is that over the long run they will almost certainly be higher than they are today. If you are confident that stocks will be higher than today, by 2040, who cares how they get there? With >10 year time horizon, I agree it really is that ...
by dogagility
Sat Nov 03, 2018 5:17 am
Forum: Investing - Theory, News & General
Topic: The biggest rallies in stocks have happened during the worst times to be invested
Replies: 15
Views: 2337

Re: The biggest rallies in stocks have happened during the worst times to be invested

Moving into more recent periods, we want to find the top 10 best days since 1950. They all took place in 1987, 2002, 2008 & 2009 . Again, these are some of the worst times to buy stocks in our lifetime. Those were all great years to invest. Seriously, don't you realize those were great years to inv...
by dogagility
Thu Nov 01, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 411
Views: 46943

Re: U.S. stocks continue to soar!

All aboard the gravy train! :D
by dogagility
Fri Oct 26, 2018 5:45 am
Forum: Investing - Help with Personal Investments
Topic: Better place to park funds - house downpayment
Replies: 5
Views: 738

Re: Better place to park funds - house downpayment

Just went through this myself. I also have emergency money in Ally, so I did the easy thing of putting the down payment money in their no-penalty CD. If the CD rate went up, I sold and bought the CD at the new price. You might also consider a money market fund like those at Vanguard.
by dogagility
Fri Oct 26, 2018 5:15 am
Forum: Investing - Theory, News & General
Topic: 180 years of Drawdowns, Get used to it
Replies: 36
Views: 6716

Re: 180 years of Drawdowns, Get used to it

Finally, the last sentence in the writeup is quite an understatement: The most important lesson from the history of drawdowns is to be in a position with the required patience to get through them. Amen. . Agreed. What I perceived as a scare tactic preceded that statement... we are all in a "drawdow...
by dogagility
Thu Oct 25, 2018 5:14 am
Forum: Investing - Theory, News & General
Topic: Why I'm 100% stocks
Replies: 149
Views: 17409

Re: Why I'm 100% stocks

Thanks for posting and linking the article. I found it interesting that the author was advocating during retirement either 100% stock or a 60/40 allocation... seems like very different strategies. Why I was 100% stock for during my accumulation phase. Didn't understand bonds, but realized bonds didn...
by dogagility
Sat Oct 20, 2018 3:32 am
Forum: Investing - Help with Personal Investments
Topic: Is my IRA underperforming?
Replies: 15
Views: 1677

Re: Is my IRA underperforming?

Welcome to the forum, MB. I agree with others who have said this type of market fluctuation is normal, but that you really need a to benchmark your performance against a standard. This is a bit difficult to do with the amount of funds into which your "advisor" has put your money. It's probably in th...