Search found 1068 matches

by Tyler Aspect
Mon Jun 18, 2018 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with cash earmarked for house & business plans 2-5 years out
Replies: 2
Views: 203

Re: What to do with cash earmarked for house & business plans 2-5 years out

2 year US Treasury Notes are my standard answer for uncertain timing investment up to a few years out. You are unlikely to subtract out the supposed tech heavy of the Total Stock Market Index with tilting to sector funds. Each sector fund is much more volatile compared to the overall index, and sect...
by Tyler Aspect
Sun Jun 17, 2018 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Independent Franchise
Replies: 25
Views: 1606

Re: Schwab Independent Franchise

A Schwab employee need to get paid to earn their livings. If you do not want to meet the assigned representative then that is certainly fine. I have an assigned representative for my Fidelity funds and I will not meet him either.
by Tyler Aspect
Sat Jun 16, 2018 11:58 pm
Forum: Investing - Help with Personal Investments
Topic: Retooling Portfolio After Job Change
Replies: 4
Views: 396

Re: Retooling Portfolio After Job Change

You could pay off the mortgage when the rate jump up to greater than 4%.

Rollover into the TSP looked good. You can have access to the G fund.
by Tyler Aspect
Sat Jun 16, 2018 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking spending before retirement useful for estimating retirement expenses?
Replies: 43
Views: 2217

Re: Tracking spending before retirement useful for estimating retirement expenses?

Yes. Expense tracking is useful. Medical costs can vary quite a bit after retirement.
by Tyler Aspect
Fri Jun 15, 2018 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Personal finance HELP
Replies: 19
Views: 1250

Re: Personal finance HELP

Welcome to Bogleheads. You are a high income couple. One very simple way to approach your finances would be to first pay off your debts, then focus on retirement investing. Bogleheads are do it by ourselves investors. You investment result will probably improve once you no longer carry the 1% extra ...
by Tyler Aspect
Thu Jun 14, 2018 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: help with medium term investment
Replies: 10
Views: 604

Re: help with medium term investment

If your holding period is uncertain but centering on the medium term, depending on specific conditions such as encountering a dream home, then still 2 year US Treasury Note remains the most flexible choice. If you need to sell in a flash you can sell close to its current market price, without having...
by Tyler Aspect
Wed Jun 13, 2018 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: help with medium term investment
Replies: 10
Views: 604

Re: help with medium term investment

thanks for the reply Tyler. i probably should have been more clear about bonds. i understand how they work. what i don't understand is price action in relation to interest rates, economy, etc. generally speaking, at this point in the bull market/business cycle, with interest rates rising, would thi...
by Tyler Aspect
Wed Jun 13, 2018 1:14 am
Forum: Investing - Help with Personal Investments
Topic: Callable bond- maintain or take loss?
Replies: 32
Views: 1636

Re: Callable bond- maintain or take loss?

I think it makes sense to stay put with these factors in play. The choices are to sell now and receive a big loss, versus waiting and eventually getting your principle back. The yield may even rise above 0%. The best scenario would be for the bank to call back the CD when the economy really heats up.
by Tyler Aspect
Tue Jun 12, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Late to the party, looking for some advice
Replies: 18
Views: 2145

Re: Late to the party, looking for some advice

One thing to consider is to see if you have vested pension. Any vested pension amount can be considered as bond-like before your retirement. If you already have substantial pension, then your 401k account can be all stock. An investor at your age could have an over-all asset allocation around 65% st...
by Tyler Aspect
Tue Jun 12, 2018 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: help with medium term investment
Replies: 10
Views: 604

Re: help with medium term investment

Welcome to Bogleheads. For your taxable account the easiest thing to do is simply continue to add to your Total Stock Market Index ETF. Bonds are easy to understand. Each bond pays a fixed dividend periodically, and the principle amount is paid back at the bond's maturity date. A traditional IRA acc...
by Tyler Aspect
Tue Jun 12, 2018 2:22 pm
Forum: Investing - Theory, News & General
Topic: Indexing will fail investors in next decade
Replies: 57
Views: 8805

Re: The end of indexing?

Cherry-picking negative aspects of economy; avoiding mentioning positive aspects of economy. These pitches are nothing special.
by Tyler Aspect
Mon Jun 11, 2018 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: Mea culpa - market-timing with REITs - what to do now?
Replies: 25
Views: 2798

Re: Mea culpa - market-timing with REITs - what to do now?

REIT is much more volatile compared to the total stock market. If you do not want them, then you just have to sell them. There is no guarantee that you will not have seller's regret though.
by Tyler Aspect
Mon Jun 11, 2018 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy for a prolonged bear market
Replies: 62
Views: 4983

Re: Strategy for a prolonged bear market

Double the amount of your emergency cash from 6 months to one year.

Maintain your pre-set asset allocation. Keep investing.
by Tyler Aspect
Mon Jun 11, 2018 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: Cash Balance Plan- Should I participate
Replies: 8
Views: 647

Re: Cash Balance Plan- Should I participate

The 3% guarantee of your cash balance plan is not that bad. A cash balance plan can increase your tax deferral. At your income level a traditional 401k is usually more favorable compared to a Roth 401k.
by Tyler Aspect
Mon Jun 11, 2018 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Help with AA across multiple accounts [Asset Allocation]
Replies: 6
Views: 448

Re: Help with AA across multiple accounts [Asset Allocation]

Normally asset allocation figures are required to add up to 100%.

Sample asset allocation for young people:
60% total US stock market index
20% total international stock market index
20% total US bond market index
by Tyler Aspect
Sun Jun 10, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Cash balance plan (defined benefit) integrated with Vanguard's Personal Advisor
Replies: 4
Views: 483

Re: Cash balance plan (defined benefit) integrated with Vanguard's Personal Advisor

I have seen cash balance plan providers offering a traditional 401k plan along side with the cash balance plan. One way to invest with the cash balance plan is to only put in short term bond and a very low return guarantee, in order to limit liabilities. Then the concurrent 401k program would allow ...
by Tyler Aspect
Sat Jun 09, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Cash balance plan (defined benefit) integrated with Vanguard's Personal Advisor
Replies: 4
Views: 483

Re: Cash balance plan (defined benefit) integrated with Vanguard's Personal Advisor

I was not sure if you already have a cash balance plan, or just exploring setting up one. My understanding is that a cash balance plan would have a higher cost compared to a regular 401k plan. A 401k plan can have a total yearly contribution of $54000 if employer contributions are included. The disa...
by Tyler Aspect
Fri Jun 08, 2018 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend Buffer
Replies: 24
Views: 2231

Re: Dividend Buffer

You can think equity dividend as a withdrawal that the fund makes by itself. There is obvious no magical protection deriving from withdrawals. If you take the money out of the fund then it is gone; if you reinvest it the situation is a wash.
by Tyler Aspect
Wed Jun 06, 2018 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Investor vs Institutional/Admiral Shares
Replies: 4
Views: 366

Re: Investor vs Institutional/Admiral Shares

The attribute "cost per share" reflects the weighted average price points of your share purchases. One fund's share price could be $100, and your $1000 purchase can buy 10 shares. A different fund's share price could be at $10, and your $1000 purchase can buy 100 shares. For both cases your $1000 pu...
by Tyler Aspect
Tue Jun 05, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Help picking funds
Replies: 8
Views: 611

Re: Help picking funds

Typical asst allocation for age 37 is 73% stock / 27% bond. As you said Vanguard's Solo 401k does not support admiral shares. It seemed Target Retirement 2030 is the closest to the typical asset allocation. Fidelity's Solo 401k has support for inexpensive pure index funds. Some people complained tha...
by Tyler Aspect
Tue Jun 05, 2018 1:20 am
Forum: Investing - Help with Personal Investments
Topic: IRA Question
Replies: 4
Views: 520

Re: IRA Question

Hi, I just invested my IRA of $11K in VTSAX today. The money was from an IRA that I had elsewhere. I now plan on having monthly or bimonthly payments automatically taken from my bank account and invested in VTSAX for my 2018 IRA. I am 50 so I can put $6500 in my IRA this year. I don't have a lot of...
by Tyler Aspect
Mon Jun 04, 2018 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 11
Views: 1048

Re: Asset Allocation

Welcome to Bogleheads. Hello all and thank you in advance for your time, thoughts, and advice. I know this topic has probably been answered extensively in other places, but I wanted to get your thoughts on my personal retirement asset allocation. I also apologize for the verbosity of my post/questi...
by Tyler Aspect
Sun Jun 03, 2018 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting App (Non-US specific)
Replies: 4
Views: 399

Re: Budgeting App (Non-US specific)

I have an open source project called Cash Flow that can do expense tracking and budgeting. This is a text editor based personal finance application. For each category with a budget it will tell you in each month if you are over budget or under budget. You can use Chinese category names if you want. ...
by Tyler Aspect
Fri Jun 01, 2018 2:01 am
Forum: Personal Finance (Not Investing)
Topic: Moving From Quicken: Moneydance, YNAB, GnuCash or other?
Replies: 38
Views: 10031

Re: Moving From Quicken: Moneydance, YNAB, GnuCash or other?

One innovation of Cash Flow is the idea that what you type on the screen is exactly the same thing that gets saved to the file. (what you see is what you get) This is no different than what happens in a text editor. In fact my current year transaction data is stored in a file called "spending2018.tx...
by Tyler Aspect
Fri Jun 01, 2018 12:19 am
Forum: Personal Finance (Not Investing)
Topic: Moving From Quicken: Moneydance, YNAB, GnuCash or other?
Replies: 38
Views: 10031

Re: Moving From Quicken: Moneydance, YNAB, GnuCash or other?

I am a writer of personal finance software. I personally advocate separating investment tracking from monthly cash flow tracking. Investment tracking requires long term archival of data, but monthly cash flow tracking only need to keep current year data. If you mix these two cases together, then you...
by Tyler Aspect
Thu May 31, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Intra-family Mortgage Considerations
Replies: 3
Views: 425

Re: Intra-family Mortgage Considerations

Try not to mix family and business. Your father's proposal would have him becoming a loan owner to your house. Now any freak accident could impact two families at once. For example, I heard of a thing called toxic mold that could be very bad. I am in favor of you getting a 30 year fixed loan, and ha...
by Tyler Aspect
Thu May 31, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Employer Forcing Transfer of 529
Replies: 15
Views: 1902

Re: Employer Forcing Transfer of 529

Is your state going to revoke your tax benefits if you move the 529 account to a different state? New York and Utah are two states with the lowest expense ratio options.
by Tyler Aspect
Wed May 30, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 8640

Re: Router hack, have you acted?

I had a PCWRT router that I upgraded its firmware a few weeks ago. Due to an upgrade issue, I had an unsecured WIFI access point running beside my regular WIFI access point. I had to do a factory reset to get rid of that extra access point. During this few weeks my intranet was wide open and my WIFI...
by Tyler Aspect
Wed May 30, 2018 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: physical real estate as safe money
Replies: 11
Views: 1616

Re: physical real estate as safe money

Physical real-estates are safe money until they are not. Real-estates are more like high yield sector stock than BBB bond. The impression that commercial properties are similar to BBB bond probably comes from its high yield income stream. But this is no different than holders of utility stocks who m...
by Tyler Aspect
Wed May 30, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: It's a Really Bad Day, Time to Buy
Replies: 46
Views: 4543

Re: It's a Really Bad Day, Time to Buy

The thing is that there were already substantial Treasury yield drops late last week before the bad day hit on May 29th. Maybe news leaking out through dark channels?
by Tyler Aspect
Tue May 29, 2018 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation help for a newbie
Replies: 6
Views: 587

Re: Asset allocation help for a newbie

Welcome to Bogleheads. You can use Target Retirement funds in your 401k accounts. However, select the target retirement fund close to your target asset allocation. Vanguard Target Retirement 2035 is 80% stock / 20% bond. Target Retirement funds are not suitable for a taxable account. S&P 500 stock i...
by Tyler Aspect
Tue May 29, 2018 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review: Very conservative, primarily interested in capital preservation
Replies: 30
Views: 4276

Re: Portfolio Review Request: Very conservative, primarily interested in capital preservation, unlikely to ever "retire"

Welcome to Bogleheads. I would suggest treating real-estate asset as sector stocks, and the associated mortgage as negative bonds. This perspective can explain why investors who own multiple real-estate rentals are invariably very conservative with the rest of their investments. Certainly it can be...
by Tyler Aspect
Tue May 29, 2018 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 25
Views: 2624

Re: Quicken Alternatives

I have uploaded a version 0.76 of my build to Source Forge. I will do some Linux based testing hopefully by next week.
by Tyler Aspect
Tue May 29, 2018 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review: Very conservative, primarily interested in capital preservation
Replies: 30
Views: 4276

Re: Portfolio Review Request: Very conservative, primarily interested in capital preservation, unlikely to ever "retire"

Welcome to Bogleheads. I would suggest treating real-estate asset as sector stocks, and the associated mortgage as negative bonds. This perspective can explain why investors who own multiple real-estate rentals are invariably very conservative with the rest of their investments. Certainly it can be ...
by Tyler Aspect
Tue May 29, 2018 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity MM Fund Q's
Replies: 19
Views: 1669

Re: Fidelity MM Fund Q's

Don't forget you have access to iShares Short Treasury Bond ETF (SHV) commission free at Fidelity. This is a short term Treasury ETF that is very close to a money market fund, but with a varying net asset value. The expense ratio is only four basis point higher than Vanguard's federal money market.
by Tyler Aspect
Mon May 28, 2018 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 25
Views: 2624

Re: Quicken Alternatives

I wrote my own application last year to replace my usage of Quicken. My application "Cash Flow" doesn't keep track of investments with variable net asset values, but it can track income, expense, and budgets. It is capable of accurately tracking cash expenses. It runs on Windows with Java runtime en...
by Tyler Aspect
Fri May 25, 2018 12:12 am
Forum: Personal Finance (Not Investing)
Topic: I've never budgeted sucessfully
Replies: 59
Views: 4917

Re: I've never budgeted sucessfully

Our family's system for tracking expenses are quite simple. We try to make payments using credit cards, so that there is a record of expenses that I can record in our finance application. I will transcribe the transactions every two weeks or so. For cash expenses we write down the expenses on the da...
by Tyler Aspect
Thu May 24, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: I've never budgeted sucessfully
Replies: 59
Views: 4917

Re: I've never budgeted sucessfully

I wrote my own application last year to replace my usage of Quicken. My application "Cash Flow" doesn't keep track of investments with variable net asset values, but it can track income, expense, and budgets. It is capable of accurately tracking cash expenses. It runs on Windows with Java runtime en...
by Tyler Aspect
Thu May 24, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Planning a first home down payment fund
Replies: 10
Views: 833

Re: Planning a first home down payment fund

You should check out US Treasury Notes on the Schwab platform. One year and 3 month maturity might be the sweet spot currently.
by Tyler Aspect
Thu May 24, 2018 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Three fund portfolio minus bonds
Replies: 6
Views: 869

Re: Three fund portfolio minus bonds

Hi, I’m new to the forum and I’m currently working on building enough wealth for my retirement (approximately 20 years from now). I love the idea of the 3 fund portfolio and the role bonds play in that portfolio. However, here is my scenario: - I have a property (no loan) being rented that gives me...
by Tyler Aspect
Tue May 22, 2018 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 401 k fund without dividend
Replies: 4
Views: 376

Re: Vanguard 401 k fund without dividend

I am invested in VANGUARD 500 INDEX, ADMIRAL SHARES (symbol VFIAX according to the prospectus) through Ameritas. I have been in this fund for over a year and it has not produced a dividend. The Vanguard website says this fund does have a yield. Why does the 401 k fund not produce a dividend? The di...
by Tyler Aspect
Tue May 22, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond Market
Replies: 12
Views: 1956

Re: Total Bond Market

Just wondering, what affect would a TLH event somewhere along the rising yield period have on the 7 year waiting period you speak of? (assume buy back the same fund after the wash period has expired) Is the only drawback of doing this the fact that you have now reset the cost basis of your shares t...
by Tyler Aspect
Tue May 22, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond Market
Replies: 12
Views: 1956

Re: Total Bond Market

Patient Waiting a solution to Yield Increases Patient waiting is a possible solution to the net asset loss you are experiencing. 7 years of extra dividend equalizes an upfront net asset value loss for an intermediate term bond fund. You just have to hold the fund for 7 years after the fund's yield ...
by Tyler Aspect
Mon May 21, 2018 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Equal Weighting
Replies: 14
Views: 948

Re: Equal Weighting

I would skip the international selections in your pension plan. Its setup is too complicated. Having a developed market index in the taxable account or a Roth IRA should be the preferred move. Asset allocation is all about coming up with a suitable weighting. Equal weighting won't do at all.
by Tyler Aspect
Mon May 21, 2018 8:14 pm
Forum: Investing - Theory, News & General
Topic: Do bonds make sense if you are more than 10 years from retirement?
Replies: 11
Views: 1394

Re: Do bonds make sense if you are more than 10 years from retirement?

Bonds provide very valuable stability to a portfolio. If you only focus on return but losing sight on risk, that is not a balanced view.
by Tyler Aspect
Sun May 20, 2018 11:01 pm
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 141
Views: 20123

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

We are Bogleheads, not Buffetheads. Buffett has a heavy institutional leaning that some of his personal finance recommendations sound very cryptic and strange.
by Tyler Aspect
Sun May 20, 2018 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: need advice on books for teenagers
Replies: 8
Views: 832

Re: need advice on books for teenagers

One of the best personal finance book for young people is "Get a Financial Life" by Beth Kobliner. It received an update in year 2017, so the content is very applicable currently. Beth covers the topic of managing military service benefits, which is a bonus coverage above the common generic topics. ...
by Tyler Aspect
Sun May 20, 2018 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Newly widowed, how do I invest 1.5 million life ins. proceeds
Replies: 72
Views: 8081

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

Here's my questions: 1. Would the 3 or 4 fund portfolio be a good fit for me, considering my age, my regular income needs, and my inexperience in investing? 2. Should I consider the .03% financial planning service, or would the free phone advice be sufficient? Or do I need a bank or financial plann...