Search found 116 matches

by retireearly
Thu Jul 18, 2019 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Value of Roth in Divorce (vs Tax-def'd acct)
Replies: 5
Views: 698

Help with Value of Roth in Divorce (vs Tax-def'd acct)

Hello, I am running into many dead ends trying to determine the "value" of Roth assets vs Tax-def'd assets during divorce proceedings. I am shocked that both lawyers appear to simply accept that in New York State, how assets are divided are based on pooling the assets, dividing and then determining ...
by retireearly
Tue Mar 19, 2019 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Help/suggestions home purch/retirement loan - divorce
Replies: 11
Views: 1450

Re: Help/suggestions home purch/retirement loan - divorce

Thanks to everyone for the replies and insight. Bogleheads should have a board dedicated to this sort of stuff under the community section :happy

There is a lot of non-financial insight and wisdom in these posts!
by retireearly
Wed Mar 13, 2019 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Help/suggestions home purch/retirement loan - divorce
Replies: 11
Views: 1450

Re: Help/suggestions home purch/retirement loan - divorce

Sorry for your loss. You're going through a lot. You may want to keep the house so that the kids have some continuity. And rent a sepetate studio for when you're w/o kids. Although you have different custody for each kid so maybe just rent an apartment for the three of you. Either way there should ...
by retireearly
Wed Mar 13, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Help/suggestions home purch/retirement loan - divorce
Replies: 11
Views: 1450

Re: Help/suggestions home purch/retirement loan - divorce

Thanks. I appreciate your words and insight. -I was not close to getting approved for a mort due to debt to income ratio. Current home payment is 1860 (6/7 years left on a 15yr at 2.5%) and prop taxes nearly 16K. A second more modest home and prop taxes even half that pushes the ratio too high! I di...
by retireearly
Wed Mar 13, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Help/suggestions home purch/retirement loan - divorce
Replies: 11
Views: 1450

Re: Help/suggestions home purch/retirement loan - divorce

Thanks for responding and kind words. -Those totals for retirement are just mine. She will end up with a like number... -I did check with both 403B and State 457 and I could do both 50K from each (unless cust support was not correct). -In terms of being out of the market, my goal AA is 70/30 so the ...
by retireearly
Wed Mar 13, 2019 1:40 pm
Forum: Personal Investments
Topic: Divorce Question - 401K QDRO
Replies: 36
Views: 3601

Re: Divorce Question - 401K QDRO

Thank you. For me, the date of separation will be addressed in the next week or so and have been curious seeing how others have come up with it. I know if varies by state, situation, etc! Last, out of curiosity, if you don't mind me asking how your "date of separation" got finalized and agreed to? I...
by retireearly
Wed Mar 13, 2019 10:20 am
Forum: Personal Investments
Topic: Divorce Question - 401K QDRO
Replies: 36
Views: 3601

Re: Divorce Question - 401K QDRO

Sorry about your divorce. I'm now in the same boat and it's not easy. Regarding your question, IMO, this is about asset allocation. For ex, if you were comfortable with 100% equities, then it doesn't matter where that 150K is. If the 400K was cut in half the day before you were to xfer that money, y...
by retireearly
Wed Mar 13, 2019 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Help/suggestions home purch/retirement loan - divorce
Replies: 11
Views: 1450

Help/suggestions home purch/retirement loan - divorce

Could everyone please take a read and let me know if your thoughts (good/bad) on the following. If you don't think it's a good idea, I definitely welcome the reasons, please! My scenario is that after being together for almost 25 years, since college, my soon to be ex decided she was no longer happy...
by retireearly
Wed Jul 25, 2018 4:37 pm
Forum: Personal Investments
Topic: How do you deal with a bear market?
Replies: 35
Views: 2762

Re: How do you deal with a bear market?

But a lot of people around me tell me that you should sell your equity investments for bonds or things like gold when the economy is at its peak and re-invest in stocks when economy is at its low. While I get that idea, how do you know when to go for safer investments? And how do you go about it? I...
by retireearly
Wed Jul 25, 2018 4:33 pm
Forum: Personal Investments
Topic: How do you deal with a bear market?
Replies: 35
Views: 2762

Re: How do you deal with a bear market?

I recently started investing and I like the idea of solid investments that I believe in. Hence I will buy and hold, even in recessions. My portfolio is like 60/40 stocks (etf)/bonds. But a lot of people around me tell me that you should sell your equity investments for bonds or things like gold whe...
by retireearly
Wed Jul 25, 2018 4:16 pm
Forum: Investing - Theory, News & General
Topic: A 3-year glide from 60-40 to 40-60?
Replies: 5
Views: 663

Re: A 3-year glide from 60-40 to 40-60?

vineviz wrote:
Wed Jul 25, 2018 4:08 pm
Ron Scott wrote:
Wed Jul 25, 2018 3:16 pm
Is it a) timing the market, or b) assuming a recession "sometime" between now and 2021/2022 without timing it?
I'd say that's an awful fast "glide", IMHO. Why so quick?
Yep, that tells me it's probably not the right AA now, unless there has been a major life change which expedited it.
by retireearly
Wed Jul 25, 2018 4:02 pm
Forum: Personal Investments
Topic: Early Retirement-Does 3 fund portfolio make sense for me
Replies: 12
Views: 1131

Re: Early Retirement-Does 3 fund portfolio make sense for me

I’m 48 years old with a wife and no kids. Retired early last year with a $9M nest egg most of it is in taxable managed accounts. I’m not thrilled about paying over 1% to my advisors if I can get similar returns using the 3 fund portfolio. I would like to be able to pull a conservative 3% annually f...
by retireearly
Wed Jul 25, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: A 3-year glide from 60-40 to 40-60?
Replies: 5
Views: 663

Re: A 3-year glide from 60-40 to 40-60?

Is it a) timing the market, or b) assuming a recession "sometime" between now and 2021/2022 without timing it? The more I think about investment, esp. after frequented this board, the more I understand investing. Investing is simple. Invest your money based on your risk/reward and when you do so, k...
by retireearly
Wed Jul 25, 2018 3:09 pm
Forum: Personal Investments
Topic: 401k allocation help please
Replies: 8
Views: 544

Re: 401k allocation help please

Hi everyone, I will become eligible for my company's 401k plan in December. The 401k is through Principal and the offerings do not appear to me to be great. There are three funds available with e/r's below 0.50 (out of 32 total available funds), and I am curious as to how you would set your contrib...
by retireearly
Wed Jul 25, 2018 2:49 pm
Forum: Personal Investments
Topic: TIAA Investment Horizons Annuity or Allianz Core Income 7
Replies: 18
Views: 962

Re: Anyone know anything about TIAA traditional Annuity

Is this a good plan After hitting my mid-40s last year and moving from 0 to approx 30% fixed income, I turned to the Tiaa Trad as a a major component of my FI. Ideally, I want about 20% of my portfolio in illiquid version GRA/RA which guarantees 3% but currently yielding 4%. That 20% is the amount ...
by retireearly
Wed Jul 25, 2018 2:24 pm
Forum: Personal Investments
Topic: 200k in savings....too much
Replies: 31
Views: 4182

Re: 200k in savings....too much

I'd pay of the Mortgage, Open and IRA for your wife with 5k and put the 40k left in VMMXX for now. Still need to get a truck also. But maybe putting down a fair amount on the principle on the mtg. may be a path to take. One other consideration is if you get a near zero interest loan for the truck, ...
by retireearly
Wed Jul 25, 2018 2:18 pm
Forum: Personal Investments
Topic: Add More Long Term Bonds in a ROTH IRA?
Replies: 7
Views: 551

Re: Add More Long Term Bonds in a ROTH IRA?

Hello All, I have a Roth IRA which I may be able to avoid using and pass onto to my children, probably 10 to 30 years from now (I am 68). The allocation is 80% Bonds and 20% stock (in the Life Strategy Income Fund). Since the funds probably won't be used for a long time, I could take more risk and ...
by retireearly
Wed Jul 25, 2018 1:57 pm
Forum: Personal Investments
Topic: 200k in savings....too much
Replies: 31
Views: 4182

Re: 200k in savings....too much

Hi all! New here but have been reading a lot. I have about 200k in a high yield savings account (1.75% currently). That is too much to keep there and I need to look to make it work more for me for retirement. Married: both 33yo right now. No kids Both earn about 80k/year Mtg with about $155k left o...
by retireearly
Thu May 17, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Communities w Great Weather and Low/No State Taxes?
Replies: 12
Views: 2299

Re: Retirement Communities w Great Weather and Low/No State Taxes?

Not too hot in summer or too cold in winter. "Hot" is a vague term. I'll take (and did take) 110 degrees in the day (with low humidity and 85 at night) over 90/90 (temp/humiidity) 24/7. It's also nice to not have swarms of mosquitos trying to eat me alive. +1 Weather/climate is so subjective. One's...
by retireearly
Sun May 13, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Buy new or keep 2009 CRV?
Replies: 12
Views: 1116

Re: Buy new or keep 2009 CRV?

Spend the $1,500 to fix the car and keep it. You are not saving money buy selling the car with needed repairs/maintenance. Any buyer will discount their offer to account for this. You are going to pay for these repairs directly or indirectly anyway. This seals the deal. I didn't want to bias anyone...
by retireearly
Sun May 13, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Buy new or keep 2009 CRV?
Replies: 12
Views: 1116

Re: Buy new or keep 2009 CRV?

Golfview wrote:
Sat May 12, 2018 6:47 pm
We got a new CRV, in 2015 and love it.never had any issues and plan on keeping it for a long while.
Good luck with your decision making!
Thanks. I think deep down I knew what I wanted and that was to keep it, just running by some others like myself!
by retireearly
Sun May 13, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Buy new or keep 2009 CRV?
Replies: 12
Views: 1116

Re: Buy new or keep 2009 CRV?

I had a 2004 CRV that went to 174k miles. Came off a steep curb and bent the drive shaft so wound up getting a new Pilot. The AC compressor is a known problem, ours was replaced outside of warrantee. You can probably eek another 4-5 years out of the CRV. Thanks so much for the reply, that's good to...
by retireearly
Sun May 13, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: Buy new or keep 2009 CRV?
Replies: 12
Views: 1116

Re: Buy new or keep 2009 CRV?

Jack FFR1846 wrote:
Sat May 12, 2018 6:27 pm
Buy a Wrangler. You don't get the "Jeep Wave" with any other vehicle.
The heart wants the wrangler, head RAV4 or other crossover/compact SUV :)
by retireearly
Sun May 13, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Buy new or keep 2009 CRV?
Replies: 12
Views: 1116

Re: Buy new or keep 2009 CRV?

I'm a little confused… is your current car a 2009 CRV or Highlander? Also you stated you want to use your current car as a trade in for a mid-sized SUV but all of the cars you list (CRV, Jeep Wrangler, Forrester, Rav4) are all compact crossovers… need more context or clarification here. Lastly, sou...
by retireearly
Sat May 12, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: Buy new or keep 2009 CRV?
Replies: 12
Views: 1116

Buy new or keep 2009 CRV?

Hi all, We traded in the Sub Forest. I was driving that had 80K miles on it and my wife* used it for a tradein on a highlander. It was great in the winter but I was never a big fan of driving it. My dilemma is that it needs new tires at a cost of 700 (I like nokian all season) and I just discovered ...
by retireearly
Mon Feb 19, 2018 2:57 pm
Forum: Personal Investments
Topic: 1/4 of FI for rebalance: Tot bond vs stable value/short term
Replies: 2
Views: 498

1/4 of FI for rebalance: Tot bond vs stable value/short term

I have approx 50% of my FI in Tiaa Traditional RA (guarantee 3%, current 4% yield - 9 year lock in). The other half in a total bond index (standard BB aggregate) with an Op Expense of two basis points (.02%). I plan on moving my FI around to get to the point where Tiaa Trad is approx 70-75% of my FI...
by retireearly
Mon Feb 19, 2018 2:22 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value Benchmarks (related to Mid cap,too)
Replies: 13
Views: 1681

Re: Small Cap Value Benchmarks (related to Mid cap,too)

I only compare VG funds which admittedly is pragmatic and not the whole picture if you use other funds/etfs. My data shows that over 25 years MV has done better then SV. Before VG had a midcap value offering (started in 2009) I have used the msci index to compare these. For example: From June 1992 ...
by retireearly
Mon Feb 19, 2018 12:41 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value Benchmarks (related to Mid cap,too)
Replies: 13
Views: 1681

Re: Small Cap Value Benchmarks (related to Mid cap,too)

I have over weighted vmvax (MCV) for years. Very recently I moved all my vsiax (SCV) to it. The reason is simply better performance over extended time periods. I've seen the posts with the Russell concerns. I've read how SP600 has beaten russell 2000 by a good % the last 10-20 years. I wonder why t...
by retireearly
Fri Feb 16, 2018 4:38 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value Benchmarks (related to Mid cap,too)
Replies: 13
Views: 1681

Re: Small Cap Value Benchmarks (related to Mid cap,too)

Good afternoon, I have a heavy tilt to value, esp. SCV, and have never specifically gone out of my way to add midcap value. We often get a lot of midcaps by default through some "smaller" large, or "bigger" small. I was thinking about it more with some articles about it possibly being overlooked sp...
by retireearly
Fri Feb 16, 2018 4:34 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value Benchmarks (related to Mid cap,too)
Replies: 13
Views: 1681

Re: Small Cap Value Benchmarks (related to Mid cap,too)

Mid Cap Value is a great fund as well and has done better than Small Cap Value during several time periods. There are complaints that small value funds are not small or valuey enough. I think if you really want to capture the premium, you might consider tilting more or DFA (especially with the inte...
by retireearly
Fri Feb 16, 2018 4:32 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value Benchmarks (related to Mid cap,too)
Replies: 13
Views: 1681

Re: Small Cap Value Benchmarks (related to Mid cap,too)

I don't bother looking in the weeds. I own big slugs of VBR, IJS, and a smidgeon of IWN. I don't own any mid-cap funds, but fill out US equities with Total Market, Large-cap, and a little in SPSM (small-cap blend). For EM, I own broad-market fund VEU (large) and VSS (small) along with a lot of DGS ...
by retireearly
Thu Feb 15, 2018 1:49 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value Benchmarks (related to Mid cap,too)
Replies: 13
Views: 1681

Small Cap Value Benchmarks (related to Mid cap,too)

Good afternoon, I have a heavy tilt to value, esp. SCV, and have never specifically gone out of my way to add midcap value. We often get a lot of midcaps by default through some "smaller" large, or "bigger" small. I was thinking about it more with some articles about it possibly being overlooked spa...
by retireearly
Wed Feb 14, 2018 2:31 pm
Forum: Investing - Theory, News & General
Topic: A Case for Higher Int'l Allocation? Larry Swedroe article on home bias
Replies: 113
Views: 9800

Re: A Case for Higher Int'l Allocation? Larry Swedroe article on home bias

They are ALWAYS cheap on a PE basis. They were cheap 30 years ago and still returns were bad. With 30 years of poor returns, the PE ratio should be under 5 if earnings grew as fast as US companies and the dividend yield should be double digits. Sure it’s possible foreign stocks will suddenly outper...
by retireearly
Wed Feb 14, 2018 2:23 pm
Forum: Investing - Theory, News & General
Topic: A Case for Higher Int'l Allocation? Larry Swedroe article on home bias
Replies: 113
Views: 9800

Re: A Case for Higher Int'l Allocation? Larry Swedroe article on home bias

They are ALWAYS cheap on a PE basis. They were cheap 30 years ago and still returns were bad. With 30 years of poor returns, the PE ratio should be under 5 if earnings grew as fast as US companies and the dividend yield should be double digits. Sure it’s possible foreign stocks will suddenly outper...
by retireearly
Mon Feb 12, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: Visiting SAN FRANCISCO
Replies: 53
Views: 4740

Re: Visiting SAN FRANCISCO

Good afternoon friends, My wife and I are going to be in San Francisco later this year for a retreat with my company, and looking to go out a couple days early. (Will be there the first week of August) That being said, we will have a free Saturday and Sunday in the bay area, and wanted to see if an...
by retireearly
Fri Feb 02, 2018 2:08 pm
Forum: Personal Investments
Topic: Help AA/Fixed In. TIAA Traditional vs Tot Bond Index
Replies: 4
Views: 649

Re: Help AA/Fixed In. TIAA Traditional vs Tot Bond Index

I do 50/50 total bond/traditional because, first, I want to be able to rebalance, and second, because I want more fixed income diversification. I don't know which will do better over the next 30-40 years, so I have some of both. Having the stability of traditional is nice. After reading your respon...
by retireearly
Fri Feb 02, 2018 2:04 pm
Forum: Personal Investments
Topic: Help AA/Fixed In. TIAA Traditional vs Tot Bond Index
Replies: 4
Views: 649

Re: Help AA/Fixed In. TIAA Traditional vs Tot Bond Index

Using non-liquid Traditional as 100% of your fixed income is not a no-brainer. If you have bought into BH philosophy, then you want to be able to rebalance from fixed income to equity on occasion. (Probably not lately. ;-) ) You wouldn't be able to do that except possibly by redirecting new contrib...
by retireearly
Thu Feb 01, 2018 1:18 pm
Forum: Personal Investments
Topic: 50K to invest for the long hall - VTSMX
Replies: 18
Views: 3330

Re: 50K to invest for the long hall - VTSMX

Gents, Thanks for the feedback. I decided that you cannot time the market. This 50k is for the long hall and I dont plan on touching it for 20 years so I just decided to put it in the market today. VTSAX was purchased and if the market crashes tomorrow oh well....at least I will get a chuckle out o...
by retireearly
Thu Feb 01, 2018 1:12 pm
Forum: Personal Investments
Topic: 50K to invest for the long hall - VTSMX
Replies: 18
Views: 3330

Re: 50K to invest for the long hall - VTSMX

VTSMX is Vanguard Total Stock Market Index Fund Investor Shares (0.15%) -- try VTSAX instead. Admiral shares for a lower ER (0.04%). Also, consider VTIAX Vanguard Total International Market Index Fund Admiral (.011%) for the foreign tax credit. Lump sum generally turns out better, but there's also ...
by retireearly
Thu Feb 01, 2018 12:59 pm
Forum: Investing - Theory, News & General
Topic: Is changing AA considered market timing?
Replies: 37
Views: 2141

Re: Is changing AA considered market timing?

Suppose I have a 90:10 stock bond allocation. If I think that market is too overvalued right now and if I want to change the future contributions to be allocated 50:50, with hopes that if the market tanks again, i can change AA again to a more aggressive one, will this be considered an attempt to t...
by retireearly
Thu Feb 01, 2018 12:24 pm
Forum: Personal Investments
Topic: Help AA/Fixed In. TIAA Traditional vs Tot Bond Index
Replies: 4
Views: 649

Help AA/Fixed In. TIAA Traditional vs Tot Bond Index

Hello all, I've read through many of the discussions on the board from the previous years and even checked out morningstar's TIAA board based on some poster suggestions. However, I'd still like to get info/thoughts into just h ow much of TIAA Traditional (or flip it, how much total bond index) I sho...
by retireearly
Wed Jan 24, 2018 2:13 pm
Forum: Personal Investments
Topic: Make me feel good about my bond allocation
Replies: 46
Views: 7056

Re: Make me feel good about my bond allocation

I recently started upping my bond allocation and I initially felt the same - it was a drag on returns. Then I decided to stop looking at it that way and start looking at the dollar figure as money I had "safe." Now when I rebalance into bonds, I see my "safe" number go up. Made me feel a little bet...
by retireearly
Fri Jan 19, 2018 3:29 pm
Forum: Personal Investments
Topic: Make me feel good about my bond allocation
Replies: 46
Views: 7056

Re: Make me feel good about my bond allocation

A couple of weeks ago, after some reading, I decided to link the bond percentage in my portfolio to how I become closer to my retirement goal. The closer I become the more conservative I will be, regardless of my age. It makes more sense for me that way. YMMV though! That sounds real interesting! C...
by retireearly
Thu Jan 18, 2018 5:48 pm
Forum: Personal Investments
Topic: Lets talk about some favorite index funds?
Replies: 32
Views: 3615

Re: Lets talk about some favorite index funds?

Being extremely new here, started a few other threads and have really been talked into trying this on my own, and been neck deep in reading for days now, I want to get the temperature of everyone here's favorite index fund? It seems Bogle and just about everyone here hates market timing, I understa...
by retireearly
Thu Jan 18, 2018 5:44 pm
Forum: Personal Investments
Topic: Make me feel good about my bond allocation
Replies: 46
Views: 7056

Re: Make me feel good about my bond allocation

I recently started upping my bond allocation and I initially felt the same - it was a drag on returns. Then I decided to stop looking at it that way and start looking at the dollar figure as money I had "safe." Now when I rebalance into bonds, I see my "safe" number go up. Made me feel a little bet...
by retireearly
Thu Jan 18, 2018 5:37 pm
Forum: Personal Investments
Topic: Make me feel good about my bond allocation
Replies: 46
Views: 7056

Re: Make me feel good about my bond allocation

A couple of weeks ago, after some reading, I decided to link the bond percentage in my portfolio to how I become closer to my retirement goal. The closer I become the more conservative I will be, regardless of my age. It makes more sense for me that way. YMMV though! That sounds real interesting! C...
by retireearly
Thu Jan 18, 2018 5:16 pm
Forum: Personal Investments
Topic: Lets talk about some favorite index funds?
Replies: 32
Views: 3615

Re: Lets talk about some favorite index funds?

Being extremely new here, started a few other threads and have really been talked into trying this on my own, and been neck deep in reading for days now, I want to get the temperature of everyone here's favorite index fund? It seems Bogle and just about everyone here hates market timing, I understa...
by retireearly
Thu Jan 18, 2018 2:15 pm
Forum: Personal Investments
Topic: Lets talk about some favorite index funds?
Replies: 32
Views: 3615

Re: Lets talk about some favorite index funds?

Being extremely new here, started a few other threads and have really been talked into trying this on my own, and been neck deep in reading for days now, I want to get the temperature of everyone here's favorite index fund? It seems Bogle and just about everyone here hates market timing, I understa...
by retireearly
Wed Jan 17, 2018 11:27 am
Forum: Personal Investments
Topic: 23 Years Old, Uncomfortable with Target Date Funds
Replies: 19
Views: 2742

Re: 23 Years Old, Uncomfortable with Target Date Funds

Emergency funds: Not yet (living with parents, expenses are minimal) Debt: Car loan (around $5.8k left on $6.1k loan) Tax Filing Status: Single Tax Rate: 14.7% Federal, 5.75% State State of Residence: Ohio Age: 23 Desired Asset allocation: 100% stocks / 0% bonds Desired International allocation: un...
by retireearly
Mon Jan 15, 2018 2:32 pm
Forum: Investing - Theory, News & General
Topic: Can the Schiller P/E ratio be used for tactical allocation?
Replies: 13
Views: 1407

Re: Can the Schiller P/E ratio be used for tactical allocation?

Can the Schiller P/E ratio be used for long-term tactical asset reallocation for the equity portion of one's portfolio? For instance, are any of you increasing your emerging market exposure while the Schiller P/E is low, with expectations that in a decade or two, you might reduce your emerging mark...