Search found 1031 matches

by thangngo
Tue Jul 17, 2018 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: 28 years old and Accumulating
Replies: 10
Views: 942

Re: 28 years old and Accumulating

Good job! The next quarter of a million will come easier. Then, $1 million goal will be in your sight.

Keep doing what you're doing. Other than increasing your income, I don't see why you should change what you're doing as far as saving and investing.
by thangngo
Tue Jul 17, 2018 6:18 pm
Forum: Investing - Theory, News & General
Topic: A different take on retirement income: time segmentation
Replies: 103
Views: 5579

Re: A different take on retirement income: time segmentation

This approach would face 2 big counter arguments: 1) Money is fungible. It doesn't matter you spend money our of need or want, it's still money. Putting money in buckets is mental accounting. 2) Simplicity. It's difficult to solve an equation that has both portfolio earnings and personal spending ha...
by thangngo
Mon Jul 16, 2018 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: All-In VTSAX
Replies: 37
Views: 3800

Re: All-In VTSAX

HI BH friends, Thinking about getting rid of IEMG and VEA and all-in VTSAX . This is for retirement fund. I am asking for advice if getting rid of emerging market and international are acceptable from boglehead investment style? i.e, I am trying to consolidate more and more into 2 Fund portfolio. T...
by thangngo
Mon Jul 16, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: College savings plans - Roth vs. 529
Replies: 32
Views: 2404

Re: College savings plans - Roth vs. 529

The general guide is to prioritize your retirement. Maxing pre-tax 401ks, 2 Roth IRAs, HSA. You can borrow for college but not for retirement. If you have more funds to invest then taxable and 529 are good options. We designated 50% of college savings in a taxable (3 fund style) and 50% to a 529 (a...
by thangngo
Thu Jul 12, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Recurring investments in taxable account
Replies: 26
Views: 1870

Re: Recurring investments in taxable account

I am fortunate enough to have excess income after reaching the $18,500 IRS limit on my 401k as well as maxing out my HSA. I also have a healthy rainy day fund so I am looking for my next investment vehicle which seems to point towards a taxable account. I have read that VTSMX is a pretty tax friend...
by thangngo
Thu Jul 12, 2018 8:48 am
Forum: Investing - Theory, News & General
Topic: Home ownership vs investing -- condos vs renting, etc
Replies: 108
Views: 5218

Re: Home ownership vs investing -- condos vs renting, etc

Hello, I want to think of home ownership from an investment point of view. Consider three "investment" options: - Buy a stand-alone home. - Buy a condo -- put any excess money in equities. - Rent -- put any excess money in equities. Owning a home can be seen as an investment with a return equal to ...
by thangngo
Tue Jul 10, 2018 10:59 pm
Forum: Investing - Theory, News & General
Topic: Market Timing - A fool's game?
Replies: 28
Views: 2140

Re: Market Timing - A fool's game?

OP, Why do you need to make any kind of decision? Make it fully automatic. Invest X amount every month or every 2 weeks. Then, adjust the amount (too much or too little) every 3 months. I do this for my variable electric and gas bill too. So, you could do this for your automatic investment too. Kla...
by thangngo
Tue Jul 10, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: Auto Tariffs: time to buy?
Replies: 63
Views: 3602

Re: Auto Tariffs: time to buy?

I need a new minivan (either a Honda Odyssey or Toyota Sienna) in the next year or so. Ideally, I would wait until I actually need the car, but the proposed tariffs are creating a fair amount of uncertainty. Does anyone know whether the tariffs would hit just cars assembled abroad or whether it wou...
by thangngo
Thu Jul 05, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - What will the real return be for stocks and bonds over the next ten years?
Replies: 46
Views: 5075

Re: Vanguard - What will the real return be for stocks and bonds over the next ten years?

Poor wording on Vanguard’s part. The title references real returns, but the first sentence references nominal returns (with an aside about inflation, but no numbers). Agree. You'll have to view the video or read the transcript. Otherwise, you'll be confused why the title said real return and the te...
by thangngo
Thu Jul 05, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 8929

Re: What time do you get up in the morning?

I was once told that if a parent wants to accomplish things, they must create time rather than find it. Heading this advice I have been waking up around 4am to get in a quick jog, weight lifting (none of the which is anything to brag about, but it is better than nothing), Bible and prayer time, and...
by thangngo
Thu Jul 05, 2018 11:54 am
Forum: Investing - Theory, News & General
Topic: Vanguard - What will the real return be for stocks and bonds over the next ten years?
Replies: 46
Views: 5075

Vanguard - What will the real return be for stocks and bonds over the next ten years?

While inflation is expected to remain low, investors should expect the nominal rate of return on their investments to be in the range of 3% to 5% , compared with historical averages of 9% to 11%, a panel of Vanguard economists said. https://advisors.vanguard.com/VGApp/iip/site/advisor/researchcommen...
by thangngo
Thu Jul 05, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: Morningstar: prepare for a lost decade for U.S. stocks
Replies: 198
Views: 18031

Re: Morningstar: prepare for a lost decade for U.S. stocks

“Our expectation at the moment is that you won’t have any real return from U.S. equities over the next 10 years,” said Morningstar’s Dan Kemp at a company event Wednesday in London. In the chart he shared below, the black line is pretty close to zero for American stocks. https://www.marketwatch.com...
by thangngo
Thu Jul 05, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Pay off my car or trade in on new?
Replies: 36
Views: 1716

Re: Pay off my car or trade in on new?

Having a less flashy car would make others judge me less though. I think you may be overestimating just how much people care what vehicle you drive. Besides, you don't own it, the bank does. Thanks. It's crazy to think, but at my office I get comments from people all the time. They can go out and b...
by thangngo
Thu Jul 05, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Pay off my car or trade in on new?
Replies: 36
Views: 1716

Re: Pay off my car or trade in on new?

Hi all! I currently drive an Audi S3, which I paid about $45k for 2.5 years ago and owe $24k on it currently at 0% interest. My payments are about $615 per month. While this sounds ridiculous, I’m a car guy so it’s justifiable. I am in the process of relocating to a larger city where my expenses wi...
by thangngo
Thu Jul 05, 2018 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Can't participate in 401k for 1 year
Replies: 33
Views: 2425

Re: Can't participate in 401k for 1 year

Hello, I have a bit of a problem with starting my retirement savings. My job does not let me contribute employee contributions until the 1 year mark. I've read a little about using sign on bonus to open a solo 401k and was wondering if I would be able to do this. I will have a sign on bonus that is...
by thangngo
Wed Jul 04, 2018 6:15 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle is not a "buy&hold at any price goose", he looks at valuations, he sold his stocks in year 2000
Replies: 48
Views: 6567

Re: Jack Bogle is not a "buy&hold at any price goose", he looks at valuations, he sold his stocks in year 2000

Sure... he might get better sleep at night. Still we can't run away from the fact that a 70/30 portfolio buy & hold would perform much better than a 30/70 portfolio buy & hold, or a "market timing" portfolio. Don't believe me? Go to portfoliovisualizer and test it yourself. The loss of return won't ...
by thangngo
Wed Jul 04, 2018 12:20 pm
Forum: Investing - Theory, News & General
Topic: Admiral Shares vs Investor Shares?
Replies: 36
Views: 37638

Re: Admiral Shares vs Investor Shares?

Mailman79 wrote:
Wed Jul 04, 2018 12:15 pm
Why do most Vanguard funds with investor and admiral shares show higher returns for investor shares vs admiral shares?
It should be the other way around. Admiral shares return is higher than that of investor shares. The difference is fees.
by thangngo
Wed Jul 04, 2018 11:16 am
Forum: Investing - Theory, News & General
Topic: Can you just hold VOO VTI and call it a day?
Replies: 10
Views: 1025

Re: Can you just hold VOO VTI and call it a day?

Unfortunately, personal finance and wealth building is much more than that. Holding VOO and VTI might make sense to a group of people, but definitely not to everyone. Also, it might be suitable for only a certain holding period, not for the whole working life. Take a step back and think about your g...
by thangngo
Tue Jul 03, 2018 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Will I ever be able to itemize?
Replies: 64
Views: 4221

Re: Will I ever be able to itemize?

Up until the end of 2017, I always claimed the standard deduction + personal exemption since I was single, renting, basically had no deductions whatsoever. Now that I'm married, own a home, have a kid on the way, and with the tax law changes, figured I'd dig into this a bit deeper. Here's what, rou...
by thangngo
Tue Jul 03, 2018 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: What happens if your Vanguard account has been hacked.
Replies: 21
Views: 2807

Re: What happens if your Vanguard account has been hacked.

This hasn't happened to me. But I'm wondering if in a hypothetical scenario my Vanguard account was hacked and someone stole $1 million from it. What would Vanguard do to help me get my money back? There's always money trail that would lead to somewhere. There's certain protocol in place to make su...
by thangngo
Tue Jul 03, 2018 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Expected returns for 80/20 stock bond for next 10 years.
Replies: 169
Views: 12056

Re: Expected returns for 80/20 stock bond for next 10 years.

Maybe we could all get together and decide the markets need to correct down 40% right now so we can forecast 7-10% real growth over the next 10 years. Everyone sell everything on Friday and get those prices down! Sure -- you go first... Going first would be the best position. Sure... Going first an...
by thangngo
Tue Jul 03, 2018 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Expected returns for 80/20 stock bond for next 10 years.
Replies: 169
Views: 12056

Re: Expected returns for 80/20 stock bond for next 10 years.

masonstone wrote:
Mon Jul 02, 2018 7:24 pm
What’s a reasonable Expected returns for 80/20 stock bond vanguard admiral shares total market for both sides for next 10 years.
From 3-5% in term of real return.
by thangngo
Tue Jul 03, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Why not go 100% stocks?
Replies: 116
Views: 11409

Re: Why not go 100% stocks?

Two reasons for not going 100% stocks: 1. Adding some bonds increases your return while reducing risk (source: Intelligent Asset Allocator by William Bernstein) 2. During a financial crisis, assets like stocks and real estate go on sale. An investor who has the cash/bonds in this situation can buy ...
by thangngo
Tue Jul 03, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: Does the ROTH IRA force us to rebalance in January?
Replies: 24
Views: 1408

Re: Does the ROTH IRA force us to rebalance in January?

If I have only gains in my taxable and I choose to sell there to move the money over to my Roth, am I realizing an unnecessary capital gain? Anybody who has money to contribute to a Roth at the first of the year has to be keeping that money somewhere. If it is under the mattress, then I can see why...
by thangngo
Tue Jul 03, 2018 9:27 am
Forum: Investing - Theory, News & General
Topic: Does the ROTH IRA force us to rebalance in January?
Replies: 24
Views: 1408

Re: Does the ROTH IRA force us to rebalance in January?

Every year I make a Roth IRA contribution. Current research suggests that dollar cost averaging is not the best practice, so naturally the best time to invest this "sideline cash" is as early as possible, which is January. In order to decide where the $$ go in the Roth, I have to look at the whole ...
by thangngo
Mon Jul 02, 2018 7:08 pm
Forum: Investing - Theory, News & General
Topic: Do Advisers Add $$$ Value?
Replies: 71
Views: 5444

Re: Do Advisers Add $$$ Value?

He claims if the person is doing it themselves they should have a lower allocation to stocks and no factor tilt because DIY investors are not capable of managing a more sophisticated portfolio and will not stay diciplined. I agree with this point. DIY investor's biggest enemy is his/herself. For so...
by thangngo
Mon Jul 02, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: IRS inquiry regarding backdoor Roth
Replies: 13
Views: 1999

Re: IRS inquiry regarding backdoor Roth

Pick up the phone and call the IRS.
by thangngo
Mon Jul 02, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Recommend a vehicle for $24,000 or less
Replies: 47
Views: 3748

Re: Recommend a vehicle for $24,000 or less

My friends .... 60-year-old couple wants recommendations on what to purchase. In town driving in middle America, which includes snowy winters. No children or grandchildren. Willing to drive a sedan, small SUV, or crossover. Will buy new or used. Want to spend $24,000 or less. Thanks. If for 60-year...
by thangngo
Mon Jul 02, 2018 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting question
Replies: 15
Views: 1026

Re: Tax loss harvesting question

Thanks for the clarifications, I will think about the options. One more TLH question... I also own VTIAX (Total International) that has about $6k in losses, what should I do about that? Is there another international index I can switch to? A combination of VEA (developed) and VWO (emerging markets)...
by thangngo
Mon Jul 02, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 156
Views: 16466

Re: IRS publishes draft 2018 1040 - Huge changes made

livesoft wrote:
Fri Jun 29, 2018 1:53 pm
Why not a one line tax return? It would be something like this:

Image
Why need a return? Just using flat rates. Everyone is happy.
by thangngo
Fri Jun 29, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody Investing with 'Betterment'?
Replies: 15
Views: 1441

Re: Anybody Investing with 'Betterment'?

'Betterment' is offering 30,000 AA miles if you open an account with them and put in $100K. If you have an account there, what are the pros and cons? TravelforFun Pros: 1) 30,000 AA miles Cons: 1) cost 25 basis points a year for as long as you hold your investment there. 2) Get tied up with their E...
by thangngo
Fri Jun 29, 2018 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Are Roth IRAs overrated?
Replies: 88
Views: 10577

Re: Are Roth IRAs overrated?

Didn't see this thread before... But there are some people who think Roth IRA overrated? Here I wish I have 100k Roth IRA space every year. 5.5k is too small.
by thangngo
Fri Jun 29, 2018 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.75%]
Replies: 210
Views: 32168

Re: ALLY BANK savings account RATE increase 1.75%

sonosoldi3112 wrote:
Fri Jun 29, 2018 4:36 pm
"Another rate increase for the 6th time this year! Within the last 6 months, the Online Savings Account rate has gone from 1.25% APY to 1.75% APY, which means your money is working even harder. Now's the perfect time to make the most of your increased rate"
Shouldn't this be bad news?
by thangngo
Fri Jun 29, 2018 5:01 pm
Forum: Investing - Theory, News & General
Topic: What is an average expense ratio?
Replies: 14
Views: 848

Re: What is an average expense ratio?

New to VG. I'm doing an autopsy on past experience with an investment advisor. These are some of the funds I held with that firm: Hartford Balanced Income Class C Exp ratio: 1.68 Invesco Growth & Income Class C 1.57 Invesco Growth & Income Class B .82 MFS Moderate Allocation Class C (Proprietary) 1...
by thangngo
Fri Jun 29, 2018 3:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1449681

Re: U.S. stocks in freefall

Who on here was selling 30 minutes before the market closed?

Image
by thangngo
Fri Jun 29, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 81
Views: 4660

Re: Can I buy a Tesla?

I have a tesla model three reservation and I was recently invited to configure the car. I wanted to know if bogleheads think it is wise given my financial situation. My anticipated gross income for 2018 will be about 250,000. I anticipate gross income for 2019 will be about 400,000. My current net ...
by thangngo
Fri Jun 29, 2018 2:35 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey against index funds?
Replies: 57
Views: 5701

Re: Dave Ramsey against index funds?

Hi all- I have been listening to Dave Ramsey lately and noticed there is a theme: he is against investing in index funds and believes you can find funds that beat the market. Well I’m a relatively young investor (30 years old) and predominantly invest in low cost index funds based on all the knowle...
by thangngo
Thu Jun 28, 2018 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: [Tax Lost Harvesting Question, non-qualified dividends]
Replies: 2
Views: 207

Re: [Tax Lost Harvesting Question, non-qualified dividends]

When it does not give you material benefits, it’s better to do nothing. Keep it simple so you don’t kick yourself when you do your tax.
by thangngo
Wed Jun 27, 2018 12:00 pm
Forum: Investing - Theory, News & General
Topic: Is there a reversion to the mean for everything?
Replies: 29
Views: 1783

Re: Is there a reversion to the mean for everything?

As the title says, is there? I mean for example treasuries were the way to go to last years but lowering of interest rates surely helped their gains. Will there be a reversion to the mean when interest rates rise again? And will an investor be better off in a diversified index like total bond? Yes ...
by thangngo
Wed Jun 27, 2018 11:10 am
Forum: Investing - Theory, News & General
Topic: Are we just way over complicating this?
Replies: 113
Views: 7160

Re: Are we just way over complicating this?

The more posts I read, including my own, them more convinced I am that either we are inventing scenarios to worry about or just discussing things for sport. In fact, it seems to me the wisest person in the kingdom might be someone who just opens a Vanguard account with one fund the Balanced Index f...
by thangngo
Wed Jun 27, 2018 9:27 am
Forum: Investing - Theory, News & General
Topic: Opinion: Betterment Thinks We're Stupid
Replies: 17
Views: 3599

Re: Opinion: Betterment Thinks We're Stupid

Have you seen Betterment's new 'no-jargon' video? https://www.youtube.com/watch?v=A-9II-zBq1k They present this as a 'no-jargon' way to teach their customers or future customers how to invest. My interpretation is they're treating us like we're stupid and unable to comprehend investment terms. Perh...
by thangngo
Wed Jun 27, 2018 12:44 am
Forum: Investing - Theory, News & General
Topic: Is day trading profitable?
Replies: 36
Views: 3135

Re: Is day trading profitable?

Commercials and ads about people made a fortune through day trading/ strategic trading all over YouTube before every single warren buffett’s Videos. Is day trading profitable for most day traders? Is the success of Tim Sykes replicable? Day trading is definitely making profit for stock brokers and ...
by thangngo
Tue Jun 26, 2018 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: CD rates--what to do?
Replies: 33
Views: 4051

Re: CD rates--what to do?

Don't time the market. It you don't expect to need the funds for X years, tomorrow buy the highest yield to X year maturity brokered CD available. You don't know if the market will change for the better or the worse and its expectations are already baked in. You know less than the market, so there ...
by thangngo
Tue Jun 26, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Pre nups.
Replies: 54
Views: 5413

Re: Pre nups.

Scary stuff. Law requires me to insure my $25k vehicle. Even if you're 30 you don't have to be a BH to have 100k before marriage in your 401k that could grow to $400k 12-15 years down the line (forget other assets for a moment), seems only practical to insure that $300k gain (and a host of other as...
by thangngo
Tue Jun 26, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: car for long-distance driving
Replies: 80
Views: 5123

Re: car for long-distance driving

Per the calculations above, the difference between 30 and 40mpg would be less than $500 per year. For those long hours if it were me I would go find a nice used cushy Buick LaCrosse or maybe Caddy XTS if the price is right (both of which should do 30+ easily on the highway), and gladly eat the $500...
by thangngo
Tue Jun 26, 2018 11:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 234
Views: 41280

Re: VMMXX at 2%

Just wanted to share my happiness that we have a profitable place to park cash again! Even though online banks are insured, I never felt comfortable dealing with them, and it was a pain to have yet another waiting period before transactions completed. Where has everyone been placing cash for the la...
by thangngo
Tue Jun 26, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: Is there a way to avoid bad companies in S&P 500?
Replies: 92
Views: 4570

Re: Is there a way to avoid bad companies in S&P 500?

Most of the S&P 500 companies disappear or change in 50 years. Is there a way to filter out terrible companies? Because if you buy the haystack, there has to be a few bad eggs out there. The "terrible" companies in S&P 500 would be those who are doing so well and their stocks price are so high. The...
by thangngo
Mon Jun 25, 2018 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: Why not go 100% stocks?
Replies: 116
Views: 11409

Re: Why not go 100% stocks?

I'm in a dual physician household and enjoy working and being productive. [...] My household income is approximately 900K with approximately 120K of annual expenses. These are the only details that matter. In effect, you already own the best bond position you could possibly purchase: your medical t...
by thangngo
Mon Jun 25, 2018 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Pre nups.
Replies: 54
Views: 5413

Re: Pre nups.

Is your state a community property state? If it is, everything is joint after marriage. Everything after marriage will be split right down the middle. Yes, California. I'm not sure I understand fully what you mean when you say "everything is joint after marriage". If you mean everything, including ...