Search found 1087 matches

by Tyler Aspect
Wed Oct 10, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Understanding money market risk vs using online high yield savings account
Replies: 2
Views: 530

Re: Understanding money market risk vs using online high yield savings account

Welcome to Bogleheads. Money market mutual funds are similar to high yield savings account. The market yield bounces around so that the offered yield varies. Usually Vanguard's money market fund offerings have better yields compared to the equivalent Fidelity offerings. Savings money for a house dow...
by Tyler Aspect
Wed Oct 10, 2018 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: canned response to email
Replies: 2
Views: 528

Re: canned response to email

Is this one the form letter you received? https://personal.vanguard.com/pdf/rmd.pdf You can certainly use the service, but you are still ultimately responsible for the correct withdrawals. One possible way to go would to calculate the RMD yourself, and check that Vanguard's RMD transactions matched ...
by Tyler Aspect
Tue Oct 09, 2018 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help with American Funds 401k Plan
Replies: 5
Views: 407

Re: Help with American Funds 401k Plan

About myself (34 y/o), I recently graduated from dental school and have a great career ahead of me. Prior to dental school I worked for 6 years and saved a modest $90,000 held in a 403b Fidelity plan with another $30,000 in a Vanguard Roth IRA with 100% VTSAX. My wife (39 y/o)is a much better saver...
by Tyler Aspect
Tue Aug 21, 2018 12:55 am
Forum: Investing - Help with Personal Investments
Topic: What to do with a pile of cash?
Replies: 16
Views: 2106

Re: What to do with a pile of cash?

If you like to do mortgage pre-payment, then you could put down a lump sum for that purpose. The rest of the amount you could purchase a total stock market fund for your taxable account.
by Tyler Aspect
Tue Aug 21, 2018 12:47 am
Forum: Investing - Help with Personal Investments
Topic: What should I do with my pension lump sum?
Replies: 11
Views: 1213

Re: What should I do with my pension lump sum?

Take the two year deferment since that is entirely without risks.
by Tyler Aspect
Sat Jul 21, 2018 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Essential/Nominal/Actual Spending
Replies: 4
Views: 714

Re: Essential/Nominal/Actual Spending

Budgeting requires the buy-in of your partners. Alternatively you could arrange to talk over all big expense items in the future.

It helps by having situational awareness - start tracking expenses by category using a personal financial application.
by Tyler Aspect
Sat Jul 21, 2018 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Parking $$ for future tax payment
Replies: 12
Views: 1025

Re: Parking $$ for future tax payment

6 month T-Bills is one possibility. You can also look into purchasing Treasury notes from the secondary market maturing in March of 2019.
by Tyler Aspect
Sat Jul 21, 2018 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Pension Lump Sum: Short-term bonds?
Replies: 37
Views: 2135

Re: Pension Lump Sum: Short-term bonds?

I have been investing for a long time, but I do not pretend to know where the market is going. Having risks being present does not necessarily mean the risks will be realized. If you have a negative outlook of the economy, then you might want to adjust your asset allocation, say from the neutral poi...
by Tyler Aspect
Tue Jul 03, 2018 11:19 am
Forum: Investing - Theory, News & General
Topic: Treasury Auction - Nobody Came: "Great T-Bill Massacre"
Replies: 145
Views: 12836

Re: Treasury Auction - Nobody Came: "Great T-Bill Massacre"

Let's not panic on this yet. We need to see if the low auction subscription is a one time fluke, or a persistent trend.
by Tyler Aspect
Mon Jul 02, 2018 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: bonds or bond funds?
Replies: 39
Views: 2534

Re: bonds or bond funds?

Patient Waiting a solution to Yield Increases Patient waiting is a possible solution to the net asset loss associated with possible bond fund yield increase. 7 years of extra dividend equalizes an upfront net asset value loss for an intermediate term bond fund. You just have to hold the bond fund f...
by Tyler Aspect
Sun Jul 01, 2018 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Withdrawals
Replies: 21
Views: 2367

Re: Retirement Portfolio Withdrawals

Sell stock on the first trading day of January to fund one year of expense. Rebalance to your target asset allocation on February 15th and August 15th. Keep another year of expense in two year Treasury Notes? Sure, that could provide some level of comfort. Any higher level of near term cash might hu...
by Tyler Aspect
Sun Jul 01, 2018 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Husband's job finally has a 401k offering with unusual funds
Replies: 29
Views: 2227

Re: Husband's job finally has a 401k offering with unusual funds

These 401k selections all have high expense ratios! The least expensive one is Nationwide S&P 500 fund.

To compensate for your husband's all stock 401k selection maybe you can dial down your target retirement fund's date to 2030. That would be my suggestion. What is your husband's age by the way?
by Tyler Aspect
Sat Jun 30, 2018 1:26 am
Forum: Investing - Help with Personal Investments
Topic: Help with $100k in taxable E*Trade account (1st post)
Replies: 7
Views: 1180

Re: Help with $100k in taxable E*Trade account (1st post)

Welcome to Bogleheads. Your three individual bonds should return your principle when reaching bond maturity. That means your current losses are temporary. Also recall that you are receiving dividends that definitely totals more then $4k over these years. Typical Asset Allocation Figures by Age The m...
by Tyler Aspect
Sat Jun 30, 2018 12:13 am
Forum: Investing - Theory, News & General
Topic: Levering a portfolio to a 60/40 equivalent
Replies: 15
Views: 2087

Re: Levering a portfolio to a 60/40 equivalent

...but the issue is that we don't choose to "own everything "! For example, I don't have any gold, uranium, or venezuelan bank loans in my portfolio. For some reason i've decided that those assets are not going to help, but on what basis have I made that decision ? You just have to know the differe...
by Tyler Aspect
Fri Jun 29, 2018 9:22 pm
Forum: Investing - Theory, News & General
Topic: Does Bogle’s Reversion to Mean tenet have practical utility?
Replies: 4
Views: 529

Re: Does Bogle’s Reversion to Mean tenet have practical utility?

Boggle tells us that the speculative component of market returns (PE) is subject to reversion to the mean over time. Long-term gowth, therefore, depends solely on the earnings and dividends of businesses. He also tells us that reversion to mean is not easily forecastable. Does this hold any practic...
by Tyler Aspect
Thu Jun 28, 2018 6:36 pm
Forum: Investing - Theory, News & General
Topic: Levering a portfolio to a 60/40 equivalent
Replies: 15
Views: 2087

Re: Levering a portfolio to a 60/40 equivalent

Look at past performance historical record where a particular asset class had no losses; leverage up that asset class during that time. Risk will have seemingly disappeared, but only for that historical time period - not for the uncertain future. There is certainly danger there, but it has been hidd...
by Tyler Aspect
Wed Jun 27, 2018 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Investing small amounts
Replies: 30
Views: 2433

Re: Investing small amounts

For very short term investment of money that is needed within a year you can consider 6 month US Treasury Bills. They are yielding 2.10% at this moment. You can purchase them easily from a taxable brokerage account. The minimum investment amount is usually $1000.
by Tyler Aspect
Fri Jun 22, 2018 9:22 pm
Forum: Investing - Theory, News & General
Topic: Heavy in equities?
Replies: 46
Views: 5079

Re: Heavy in equities?

One of the difficult things for someone like me, who places very little faith in old US historical data for predicting future returns, is setting an diversified asset allocation. I've ended up with a 40-60 mix (investable assets) in the past year, but I do so with the knowledge that I'll never have...
by Tyler Aspect
Tue Jun 19, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Advice - Parking cash before it gets paid in taxes
Replies: 8
Views: 1217

Re: Advice - Parking cash before it gets paid in taxes

With 3 million dollars invest amount it will probably be US Treasury Notes. There is a secondary market US Treasury Note maturing on March 31, 2019 yielding around 2.27% (CUSIP 912828W97).
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: 351

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: 1966

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: 488

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: 72
Views: 4799

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: 1485

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: 775

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: 775

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: 35
Views: 2154

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: 2451

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: 775

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: 9521

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: 3077

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: 65
Views: 6100

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: 773

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: 542

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: 603

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: 603

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: 2459

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: 485

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: 685

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: 586

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: 14
Views: 1532

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: 469

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: 11011

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: 11011

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: 509

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: 2056

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: 9812

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: 1767

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...