Search found 1747 matches

by dogagility
Sun Aug 01, 2021 5:16 am
Forum: Personal Investments
Topic: I would appreciate any comments on my asset allocation and fund selection
Replies: 7
Views: 839

Re: I would appreciate any comments on my asset allocation and fund selection

I have an asset allocation plan that I've derived from reading Willam Bernstein, Rick Ferri, JF Collins, and John Bogle books. Equity (total 65%) Total Stock Market (VTI) 34% US Value (VTV) 8% US Small Value (VBR) 8% US REITS (VNQ) 6% International (VEU) 6% Emerging Markets (VWO) 3% Those authors f...
by dogagility
Sat Jul 24, 2021 6:25 am
Forum: Personal Investments
Topic: Where to put bridge funds until SS at 70?
Replies: 22
Views: 2352

Re: Where to put bridge funds until SS at 70?

Is your question whether or not you should change your asset allocation by moving money from equities to fixed income? Do you think you need to change your overall portfolio asset allocation at this point? If not, then I don't think it matters too much what you do. You can always use the fixed incom...
by dogagility
Sat Jul 24, 2021 5:36 am
Forum: Personal Investments
Topic: Confused about Large Caps. Talk me out of them...
Replies: 28
Views: 3083

Re: Confused about Large Caps. Talk me out of them...

Don't believe in a fund. Believe in what the fund holds. Either you do, or you don't. Either you'll hold it whenever it sucks, or you won't. So do you? Or don't you? My reading of it is that you don't. You're happy with what it's given you, but you don't believe in it. Not to the extent of 40% of y...
by dogagility
Sat Jul 24, 2021 5:17 am
Forum: Personal Finance (Not Investing)
Topic: What is the average savings rates for bogleheads?
Replies: 267
Views: 20093

Re: What is the average savings rates for bogleheads?

About 40% of net pay in our 50s. Our savings rate was significantly less when our kids were younger and we made less money, but I don't know the figure.
by dogagility
Sat Jul 24, 2021 5:01 am
Forum: Investing - Theory, News & General
Topic: Factoring social security into withdrawal rate
Replies: 12
Views: 1528

Re: Factoring social security into withdrawal rate

Rather than a 3.5% withdrawal rate starting at age 50, why not start at say 5% and then plan to reduce it once SS and pension kick in.. to 3% for example. I'd suggest diving into the methods underlying withdrawal strategies like VPW and ABW. These incorporate future income streams like pensions and...
by dogagility
Fri Jul 23, 2021 2:23 pm
Forum: Investing - Theory, News & General
Topic: How Much Cash or Cash Equivalents Do You Keep Around?
Replies: 88
Views: 7674

Re: How Much Cash or Cash Equivalents Do You Keep Around?

Enough to pay the bills for next month + a small buffer in case I guess wrong.
Ahh-yup
by dogagility
Fri Jul 23, 2021 10:39 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 16866
Views: 1341952

Re: U.S. stocks continue to soar!

Nathan Drake wrote: Fri Jul 23, 2021 9:55 am Stocks are risky regardless of where you invest. We should keep that in mind. For a US investor this decade it seems they only go up, but countless periods where US markets seemed very risky
One person's "risky" is another person's gold mine. :twisted:
by dogagility
Fri Jul 23, 2021 4:44 am
Forum: Personal Finance (Not Investing)
Topic: Retiring Early Just on Savings (i.e. No Significant Pension or SS) mitigating market risks
Replies: 36
Views: 5287

Re: Retiring Early Just on Savings (i.e. No Significant Pension or SS) mitigating market risks

Not retired yet. Should a poor returns arrive early that threaten our portfolio's longevity, we will temporarily reduce spending and/or get jobs.
by dogagility
Thu Jul 22, 2021 12:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 16866
Views: 1341952

Re: U.S. stocks continue to soar!

Financial markets are sleepwalking into a disaster of historic proportions. The fear mongering is strong with this one. With a 60% allocation to stocks in your personal portfolio, I think your posts on the imminent and catastrophic demise of stocks markets have reached the level of trolling. https:...
by dogagility
Wed Jul 21, 2021 3:11 pm
Forum: Personal Investments
Topic: Another lump sum or DCA question
Replies: 17
Views: 1446

Re: Another lump sum or DCA question

Choose an asset allocation and then lump sum into that allocation.
by dogagility
Mon Jul 19, 2021 4:24 pm
Forum: Investing - Theory, News & General
Topic: When is 0% bonds appropriate?
Replies: 320
Views: 23441

Re: When is 0% bonds appropriate?

Da5id wrote: Mon Jul 19, 2021 12:54 pm Maybe "not today" is a good answer :)
:beer
Yeah, someone needs to tell me when days like to today will happen so I can transiently reduce my equity exposure. :twisted:
by dogagility
Mon Jul 19, 2021 4:03 pm
Forum: Investing - Theory, News & General
Topic: When Does Dollar Cost Averaging Work?
Replies: 194
Views: 14516

Re: When Does Dollar Cost Averaging Work?

I disagree; the person should choose a different asset allocation. Easy example: Let's say stocks' expected return is 10% and bonds' is zero, to have round figures. A 70/30 AA has a 7% expected return. If I DCA into that AA over, let's say, 2 years, I give up one year worth of return from a 70% sto...
by dogagility
Sun Jul 18, 2021 6:03 am
Forum: Investing - Theory, News & General
Topic: When Does Dollar Cost Averaging Work?
Replies: 194
Views: 14516

Re: When Does Dollar Cost Averaging Work?

The argument of DCA vs Lump Sum is very simple, but that doesn't mean its clear. It is simple from a financial probability standpoint. Lump sum will come out ahead the majority of the time. Agree. The market trajectory over time is up. We all expect this, or we wouldn't be investing in it. Lump sum...
by dogagility
Sat Jul 17, 2021 6:49 am
Forum: Personal Finance (Not Investing)
Topic: About to have 1st grand daughter. Please advise
Replies: 30
Views: 3143

Re: About to have 1st grand daughter. Please advise

retire14 wrote: Fri Jul 16, 2021 12:48 pm Any tip and advice besides 529 and Life insurance, etc...TIA.
Be available for the new parents. They likely trust you with their baby more than strangers, so give them a break from parenting to continue to build their relationship. In other words, babysit.
by dogagility
Sat Jul 17, 2021 6:45 am
Forum: Personal Finance (Not Investing)
Topic: At What Point is "Enough"
Replies: 18
Views: 3216

Re: At What Point is "Enough"

It's likely you already have "enough" things (house; location) no matter what financial choice you make. My suggestion would be to identify what will make your and your family happy. Typically, these are having 'experiences" with family and friends. Try to determine what financial and...
by dogagility
Sat Jul 17, 2021 5:17 am
Forum: Personal Investments
Topic: The Best of the Bad Options (Stuck in Voya for 401k)
Replies: 18
Views: 1810

Re: The Best of the Bad Options (Stuck in Voya for 401k)

I'd invest half in the mid cap index and half in the small cap index.
by dogagility
Sat Jul 17, 2021 5:10 am
Forum: Personal Investments
Topic: Which 529 fund ?
Replies: 9
Views: 1240

Re: Which 529 fund ?

I would invest all of your 529 money in a total stock market index fund.

Assuming you are young, I'd do the same with your retirement savings.
by dogagility
Fri Jul 16, 2021 3:26 pm
Forum: Personal Investments
Topic: First Post: 2-3yr Out Retirement Strategy Review Request
Replies: 4
Views: 1086

Re: First Post: 2-3yr Out Retirement Strategy Review Request

You're doing great! Investments look good to me... low cost, simple, index. :beer 4. Modeled 95% likelihood of resources supporting inflation-adjusted withdrawal rate to ages 95 in FireCalc and the tool suggests I am OK. I feel comfortable with VPW as our withdrawal strategy, but welcome advice. As ...
by dogagility
Fri Jul 16, 2021 2:20 pm
Forum: Personal Investments
Topic: Please rate my portfolio
Replies: 14
Views: 1475

Re: Please rate my portfolio

Welcome to the forum. First time poster here and looking for some advice and insight. Portfolios don't have ratings, but one can certainly say that yours is simply a mess. The problem is not just that you have too many funds but that you don't have a plan. Plan: 1. Specify your investment objectives...
by dogagility
Thu Jul 15, 2021 1:16 pm
Forum: Personal Investments
Topic: 37s Mid life Portfolio review
Replies: 14
Views: 2854

Re: 37s Mid life Portfolio review

80-90% stocks and 20%-30% intl. That asset allocation range is reasonable. Pick one within that range. I'm hearing the following conclusions: Pay off auto loan Max HSA - it's 80% maxed Fully fund backdoor Roth IRAs (since were above income threshold for direct route) Open 529 for second child. Fund...
by dogagility
Thu Jul 15, 2021 5:01 am
Forum: Personal Finance (Not Investing)
Topic: 10 years in and just going through the motions
Replies: 46
Views: 7525

Re: 10 years in and just going through the motions

There is a lot going on with your life and it would be good to consider getting professional counseling to help figure out what to do and to make sure the you and your wife agree with any decisions. You may want to consider both individual counseling and couples counseling to see if that helps. I a...
by dogagility
Thu Jul 15, 2021 4:43 am
Forum: Personal Finance (Not Investing)
Topic: Financing a child's college in this day and age
Replies: 41
Views: 4082

Re: Financing a child's college in this day and age

I'm estimating we may have around $100,000 by the time he is ready for college. Is this going to be just the proverbial drop in a bucket by that time? What do you all think? I think a state flagship university (Univ of Wash) or a mid-tier private college education will cost about $200,000 for your ...
by dogagility
Wed Jul 14, 2021 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Financing a child's college in this day and age
Replies: 41
Views: 4082

Re: Financing a child's college in this day and age

I'm estimating we may have around $100,000 by the time he is ready for college. Is this going to be just the proverbial drop in a bucket by that time? What do you all think? I think a state flagship university (Univ of Wash) or a mid-tier private college education will cost about $200,000 for your ...
by dogagility
Wed Jul 14, 2021 5:27 am
Forum: Personal Investments
Topic: Stock Market Question
Replies: 25
Views: 2220

Re: Stock Market Question

This time is not different.

Buy and hold.
by dogagility
Tue Jul 13, 2021 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 754
Views: 122525

Re: Losing a job in your 50's...

Two words: truck driver :twisted:
by dogagility
Tue Jul 13, 2021 4:47 pm
Forum: Investing - Theory, News & General
Topic: Is VPW a safer retirement strategy than SWR?
Replies: 243
Views: 12972

Re: Is VPW/ABW a frugal retirement strategy?

In most cases, VPW will be more spendy than SWR. While you will never run out of money, the idea of VPW is to safely spend as much as possible, so I wouldn't call it frugal. I prefer VPW or ABW over SWR calculations. I think SWR-based withdrawals are too conservative. A 5% fail rate within the SWR ...
by dogagility
Tue Jul 13, 2021 4:39 pm
Forum: Personal Investments
Topic: 100% equities percentage breakdown
Replies: 36
Views: 2705

Re: 100% equities percentage breakdown

anthonypals wrote: Tue Jul 13, 2021 10:36 am
AlohaBill wrote: Tue Jul 13, 2021 10:09 am What is this 100% stock portfolio being used for? Retirement? Starting a family? Buying a house or car? I hate to be in 100% stocks and buying a house when the market drops 50 to 90%.
It will be a set it and forget long term retirement plan (35 years plus)
Good idea. :beer
by dogagility
Tue Jul 13, 2021 2:17 pm
Forum: Personal Investments
Topic: 37s Mid life Portfolio review
Replies: 14
Views: 2854

Re: 37s Mid life Portfolio review

Welcome to the forum Desired Asset allocation: Risk appropriate – we’re pretty risk tolerant. Desired International allocation: Not informed enough to express a preference First, you and your wife need to decide upon an asset allocation for your retirement savings. This is specific to each situation...
by dogagility
Mon Jul 12, 2021 8:52 pm
Forum: Personal Investments
Topic: Turning 27: Time to Reduce Equities?
Replies: 98
Views: 7672

Re: Turning 27: Time to Reduce Equities?

I guess if I had 10-20% in bonds back in April 2020, I could have rebalanced big time and picked up extra equities, in addition to my monthly contributions. But all the reading I do on BH tell me that 100% stocks will have the greatest expected return. Rebalancing among equities and bonds is meant ...
by dogagility
Mon Jul 12, 2021 6:48 pm
Forum: Personal Investments
Topic: Turning 27: Time to Reduce Equities?
Replies: 98
Views: 7672

Re: Turning 27: Time to Reduce Equities?

Yes. 70/30 is too conservative. It's as if you're only investing 70% of what you're intending too invest. But rebalancing steals your growth too because most of the time you'll be selling stocks to buy more useless bonds. Strongly disagree. 70/30 concedes less than one percentage point to all stock...
by dogagility
Mon Jul 12, 2021 2:01 pm
Forum: Investing - Theory, News & General
Topic: Bond Tent and Glide path -- mitigated with option to return to work?
Replies: 15
Views: 1299

Re: Bond Tent and Glide path -- mitigated with option to return to work?

Bond tents are not supported mathematically. What the math supports is a fixed allocation in retirement (if no pensions). When a fixed allocation is combined with amortization based withdrawals, you get a strategy that is well diversified across time and sequence of return risk is no longer a major...
by dogagility
Mon Jul 12, 2021 11:47 am
Forum: Investing - Theory, News & General
Topic: Bond Tent and Glide path -- mitigated with option to return to work?
Replies: 15
Views: 1299

Re: Bond Tent and Glide path -- mitigated with option to return to work?

Statistical wrote: Mon Jul 12, 2021 8:56 am The thing that keeps coming up is flexibility is key.
Yup!

The more flexibility you have the less you need to know what happens next. -- Morgan Housel
by dogagility
Mon Jul 12, 2021 6:24 am
Forum: Personal Investments
Topic: 401K Loan to Roth IRA
Replies: 19
Views: 1249

Re: 401K Loan to Roth IRA

I think the OP is saying he may not be able to MAX out the entire $6000 space before tax deadline, if he chooses to only contribute to Roth what would have been the loan payment. Right idea, to max the available Roth space; but wrong execution ... I mentioned in my previous post, he should use part...
by dogagility
Mon Jul 12, 2021 5:34 am
Forum: Investing - Theory, News & General
Topic: Bond Tent and Glide path -- mitigated with option to return to work?
Replies: 15
Views: 1299

Re: Bond Tent and Glide path -- mitigated with option to return to work?

No research needed. If you are flexible and can return to work, the SORR will be mitigated somewhat. However, the timeframe for SORR is fairly long... 10 years perhaps. SORR might be concentrated around the retirement date. Here's a useful paper from Estrada to read on the topic: https://papers.ssr...
by dogagility
Sun Jul 11, 2021 9:03 pm
Forum: Investing - Theory, News & General
Topic: What is your one favorite Fidelity Fund??
Replies: 113
Views: 19367

Re: What is your one favorite Fidelity Fund??

FZROX... mostly for the idea of not having any fund expense and secondarily for investing in US companies.
by dogagility
Sun Jul 11, 2021 6:52 pm
Forum: Investing - Theory, News & General
Topic: INCREASING stocks over time?
Replies: 36
Views: 4403

Re: INCREASING stocks over time?

After playing with a number of scenarios, reading about fixed and increasing glide paths, and thinking about the limits of historical analysis, I've decided a constant 70/30 stock/bond split, fixed throughout retirement, is the best guess for how to avoid running out of money in retirement. That AA...
by dogagility
Sun Jul 11, 2021 2:57 pm
Forum: Personal Investments
Topic: 529 Plan vs. Roth IRA for college
Replies: 29
Views: 2266

Re: 529 Plan vs. Roth IRA for college

-There are several dozen (very selective) schools that give outstanding need based aid. For two teachers, most of those would end up cheaper than the state flagship after aid is factored in. Princeton, Stanford, MIT, etc. Although what you wrote is true, acceptance into a tippy-top university is hi...
by dogagility
Sun Jul 11, 2021 2:56 pm
Forum: Personal Investments
Topic: 529 Plan vs. Roth IRA for college
Replies: 29
Views: 2266

Re: 529 Plan vs. Roth IRA for college

-There are several dozen (very selective) schools that give outstanding need based aid. For two teachers, most of those would end up cheaper than the state flagship after aid is factored in. Princeton, Stanford, MIT, etc. Although what you wrote is true, acceptance into a tippy-top university is hi...
by dogagility
Sun Jul 11, 2021 6:41 am
Forum: Investing - Theory, News & General
Topic: Bond Tent and Glide path -- mitigated with option to return to work?
Replies: 15
Views: 1299

Re: Bond Tent and Glide path -- mitigated with option to return to work?

So if one is willing to risk a return to work, is their research that shows a bond tent may not be necessary? Maybe it doesn't even need research. No research needed. If you are flexible and can return to work, the SORR will be mitigated somewhat. However, the timeframe for SORR is fairly long... 1...
by dogagility
Sun Jul 11, 2021 6:31 am
Forum: Personal Investments
Topic: 529 Plan vs. Roth IRA for college
Replies: 29
Views: 2266

Re: 529 Plan vs. Roth IRA for college

-There are several dozen (very selective) schools that give outstanding need based aid. For two teachers, most of those would end up cheaper than the state flagship after aid is factored in. Princeton, Stanford, MIT, etc. Although what you wrote is true, acceptance into a tippy-top university is hi...
by dogagility
Sun Jul 11, 2021 6:22 am
Forum: Personal Investments
Topic: Portfolio Review - 38/44 and expecting 1st child
Replies: 30
Views: 3155

Re: Portfolio Review - 38/44 and expecting 1st child

3. 529 - Our first child is to be born at New Year’s. Plan is to set up 529 and my parents will make the initial generous contribution to get it going immediately. While we live in CO, I did review some of the other posts on the forum and 529 review sites and am leaning toward NV b/c of lower expen...
by dogagility
Sun Jul 11, 2021 6:03 am
Forum: Personal Investments
Topic: Turning 27: Time to Reduce Equities?
Replies: 98
Views: 7672

Re: Turning 27: Time to Reduce Equities?

I like to hold 25% bonds as it gives me a significant amount to rebalance when big drops happen. If you're already 100% equities then you really can't do any significant rebalancing unless you somehow get an infusion of cash from somewhere. If not to dampen portfolio volatility, what's the purpose ...
by dogagility
Sun Jul 11, 2021 5:58 am
Forum: Personal Investments
Topic: Best calculator to tell me it will be fine (aka it's OK to spend more/CoastFI)
Replies: 18
Views: 2639

Re: Best calculator to tell me it will be fine (aka it's OK to spend more/CoastFI)

smatter wrote: Sat Jul 10, 2021 7:46 pm I am looking for a calculator that will help me feel OK about letting off the reins a little in terms of our spending.
https://www.bogleheads.org/wiki/Amortiz ... withdrawal
by dogagility
Fri Jul 09, 2021 10:37 pm
Forum: Investing - Theory, News & General
Topic: The first time in my investing life I'm "fearful"
Replies: 130
Views: 19030

Re: The first time in my investing life I'm "fearful"

Absolutely feeling this. Which is the reason why I have completely restructured my investment strategy to conservative investments that I am extremely confident in. I was doing a lot of swing trading, and in some cases even some day trading, but things have been so crazy that I don't feel comfortab...
by dogagility
Fri Jul 09, 2021 10:28 pm
Forum: Investing - Theory, News & General
Topic: When Does Dollar Cost Averaging Work?
Replies: 194
Views: 14516

Re: When Does Dollar Cost Averaging Work?

But that doesn't help solve the DCA strategy too much (which is why I asked) since you could in theory start to dca in and then the market keeps moving up and on the last month you could then have invested at the very peak DCA is poor strategy if a person intends to invest in the market. It is only...
by dogagility
Fri Jul 09, 2021 7:25 am
Forum: Personal Investments
Topic: Portfolio Review and Advice for a College Student
Replies: 5
Views: 487

Re: Portfolio Review and Advice for a College Student

\ As for the QQQ, I'm not necessarily adverse to tilting towards technology, I just don't have any experience or knowledge in the area. The only investments I have ever chosen for myself are total market etfs and mutual funds. My income is low enough that after selling all QQQ I would still be in t...
by dogagility
Fri Jul 09, 2021 7:10 am
Forum: Personal Investments
Topic: How do I quit my financial advisor?
Replies: 56
Views: 6275

Re: How do I quit my financial advisor?

I'm trying to convince my DH that we don't need a financial advisor anymore. It's been 9 years and we had almost nothing when we started and now we have just over 7 figures. He's nervous but I hate paying the fee when I feel like I could do the same thing for free. Yes, you can absolutely do the sa...
by dogagility
Fri Jul 09, 2021 6:25 am
Forum: Personal Investments
Topic: 529 Plan vs. Roth IRA for college
Replies: 29
Views: 2266

Re: 529 Plan vs. Roth IRA for college

OP, does your state give you any tax benefit for contributing to a 529? If so, that might outweigh any consideration of assets when it comes time to apply for aid. (Also, my guess is that since you have already started 529s for two young kids, your assets will likely exceed the threshold at which n...
by dogagility
Thu Jul 08, 2021 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: How are we doing? First child on the way
Replies: 65
Views: 4668

Re: How are we doing? First child on the way

You and your spouse are doing great! :beer I think investing in a 529 is a fine choice for your situation. No need to worry about saving too much money for potential job losses... you have an emergency fund and more importantly two stable incomes. Much more important is getting life insurance. Setti...
by dogagility
Thu Jul 08, 2021 5:46 pm
Forum: Personal Investments
Topic: Portfolio, retirement plan, cash flow
Replies: 5
Views: 1106

Re: Portfolio, retirement plan, cash flow

Some comments in blue below. Questions: 1. Advice on asset allocation, asset location, etc. I agree with delamers asset allocation advice above. Total Bond Index vs. stable value, bond tent, CD and/or TIPS ladders, or combination? Use laddered CDs and/or TIPS for a number of years of cash? Shift to ...