Search found 749 matches

by spdoublebass
Sun Nov 22, 2020 4:25 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" podcast hits 500,000 downloads!
Replies: 27
Views: 1930

Re: "Bogleheads on Investing" podcast hits 500,000 downloads!

This might be a good time to interview Taylor Larimore. Taylor and I had a discussion early on and he graciously declined due to a health issue that affects his speaking ability. Rick Ferri These podcasts are amazing. I find myself listening to them more than once. Is there a way to possibly think ...
by spdoublebass
Mon Nov 16, 2020 11:55 am
Forum: Personal Investments
Topic: SS and still working tax question
Replies: 11
Views: 1138

Re: SS and still working tax question

I'm just trying to understand this wiki page: https://www.bogleheads.org/wiki/Taxation_of_Social_Security_benefits#22.2.25_bump_begins It took me a little while but I think I got it figured out. Note: On the page I linked you have to scroll up a bit to the second box from the top. I'm pulling rando...
by spdoublebass
Sun Nov 15, 2020 2:56 pm
Forum: Personal Investments
Topic: SS and still working tax question
Replies: 11
Views: 1138

Re: SS and still working tax question

The amount of SS only matters in that you pay a max of .85(your SS amount) in taxable SS income. That's how it reads to me anyway. That may be the main misunderstanding. Instead of In the example from the wiki (not the one in my OP), they have: 0-12000= 0 12000-24000= 12000x.5 = 6000 24000-33568= 9...
by spdoublebass
Sun Nov 15, 2020 2:34 pm
Forum: Personal Investments
Topic: SS and still working tax question
Replies: 11
Views: 1138

Re: SS and still working tax question

I'm just trying to understand this wiki page: https://www.bogleheads.org/wiki/Taxation_of_Social_Security_benefits#22.2.25_bump_begins It took me a little while but I think I got it figured out. Note: On the page I linked you have to scroll up a bit to the second box from the top. I'm pulling rando...
by spdoublebass
Sun Nov 15, 2020 1:31 pm
Forum: Personal Investments
Topic: SS and still working tax question
Replies: 11
Views: 1138

Re: SS and still working tax question

Is this section where you got your numbers from? Married taxpayers: If you are a married couple and receive $40,000 in Social Security benefits: None of your benefits are taxable if your other income is less than $12,000. For every dollar between $12,000 and $24,000, an additional 50 cents becomes ...
by spdoublebass
Sun Nov 15, 2020 9:43 am
Forum: Personal Investments
Topic: SS and still working tax question
Replies: 11
Views: 1138

Re: SS and still working tax question

I'm just trying to understand this wiki page: https://www.bogleheads.org/wiki/Taxation_of_Social_Security_benefits#22.2.25_bump_begins It took me a little while but I think I got it figured out. Note: On the page I linked you have to scroll up a bit to the second box from the top. I'm pulling rando...
by spdoublebass
Sun Nov 15, 2020 7:00 am
Forum: Personal Investments
Topic: SS and still working tax question
Replies: 11
Views: 1138

SS and still working tax question

I'm just trying to understand this wiki page: https://www.bogleheads.org/wiki/Taxation_of_Social_Security_benefits#22.2.25_bump_begins It took me a little while but I think I got it figured out. Note: On the page I linked you have to scroll up a bit to the second box from the top. I'm pulling random...
by spdoublebass
Mon Nov 02, 2020 11:18 am
Forum: Investing - Theory, News & General
Topic: I-bond fixed rate
Replies: 12
Views: 1790

Re: I-bond fixed rate

I am looking forward to the January "Should I buy iBonds now at 0% fixed or wait until May" thread. What are the pros of waiting? Just in case you are serious (this question has beaten to death in the past) - a reason to wait would be if the fixed rate (assessed every May 1 and Nov 1) wer...
by spdoublebass
Tue Oct 27, 2020 9:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 604
Views: 126141

Re: Vanguard's Wellesley Income fund is incredible

I'm thinking about to put a small amount of money in this fund. Not my EF, I have that in cash in a savings account. I want the money exposed to stock, but also not part of my overall retirement savings. When we still had an EF, we put 2/3 of it in Wellesley, and it worked out great for us. When I ...
by spdoublebass
Tue Oct 27, 2020 7:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 604
Views: 126141

Re: Vanguard's Wellesley Income fund is incredible

I'm thinking about to put a small amount of money in this fund. Not my EF, I have that in cash in a savings account. I want the money exposed to stock, but also not part of my overall retirement savings. When I look the annual returns, it never hit a 10% drop. The other funds I was thinking about ar...
by spdoublebass
Mon Oct 26, 2020 8:56 pm
Forum: Investing - Theory, News & General
Topic: Dalio - bonds don't provide a diversification benefit when interest rates are near zero
Replies: 164
Views: 13794

Re: Dalio - bonds don't provide a diversification benefit when interest rates are near zero

I guess that the application depends much on your personal situation... I'm in my late 30s, married and manage a mid-six-figure 80/20 portfolio, so my actions have been: - Have a broad international exposure in stocks (45%) - Moving all my bond fund holdings into I-bonds and EE-bonds. I’m just curi...
by spdoublebass
Mon Oct 26, 2020 7:00 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 319
Views: 48406

Re: I’m still not a fan of international bond funds

I’ve never been a big fan of international bond funds (see my “All About Asset Allocation” book and other posts I’ve made here in the past). They have higher fees than comparable US bond funds and hedging currency adds another hidden layer of cost. On top of that, at the present time, the yields st...
by spdoublebass
Wed Oct 21, 2020 12:29 am
Forum: Investing - Theory, News & General
Topic: Seriously, what is going on with international?
Replies: 277
Views: 25857

Re: Seriously, what is going on with international?

I still don't get why diversification is a good thing, but only in the US. Why performance chasing is a bad thing, but only if you aren't chasing US performance. I don't understand either. All of these type of threads...what's going on with this or that...it doesn't make sense to me. International ...
by spdoublebass
Tue Oct 20, 2020 8:55 pm
Forum: Investing - Theory, News & General
Topic: Global Market Portfolio as a single ETF?
Replies: 42
Views: 5032

Re: Global Market Portfolio as a single ETF?

Just curious if anyone is still in GAA. The rest of the Cambria funds returns do not look too hot. But GAA expense ratio seems fair and carries vanguard funds. I would imagine this is why it is the only one that has done well. As mentioned before I think this is the closest we get to Sharpe's model...
by spdoublebass
Sun Oct 18, 2020 8:20 am
Forum: Investing - Theory, News & General
Topic: Confused by Bogle's apparent dislike of ETFs
Replies: 103
Views: 8636

Re: Mr. Bogle on ETFs

Mr. Bogle is often misunderstood and taken out of context about ETFs. This is what he wrote in his 2019 book, " Stay the Course": "Yes, broad-based stock and bond ETFs, used properly as long-term investments are good for investors. But as I have often said, "ETFs are fine, just ...
by spdoublebass
Sat Oct 17, 2020 6:07 pm
Forum: Personal Investments
Topic: using iShares iBonds & Invesco Bulletshares to build bond ladders for term-certain income
Replies: 34
Views: 2008

Re: using iShares iBonds & Invesco Bulletshares to build bond ladders for term-certain income

I’m no expert, so please know that when you read my suggestion. These are large dollar amounts. Your first amount is 51K by 2024. I mean if you get 1%, it’s not that much difference, it would mean you could save a few bucks less per month. You could just add up what you need to save per month to rea...
by spdoublebass
Sat Oct 17, 2020 3:46 pm
Forum: Investing - Theory, News & General
Topic: Confused by Bogle's apparent dislike of ETFs
Replies: 103
Views: 8636

Re: Confused by Bogle's apparent dislike of ETFs

Context is important. The context of the quote you provide is regarding ETFs used for short term investing and speculative ETFs. Not true. The context of the quotes I provided is that Bogle was passionately opposed to ETFs, until he wasn't. More specifically, he was passionately opposed to Vanguard...
by spdoublebass
Wed Oct 14, 2020 3:04 pm
Forum: Investing - Theory, News & General
Topic: Confused by Bogle's apparent dislike of ETFs
Replies: 103
Views: 8636

Re: Confused by Bogle's apparent dislike of ETFs

Sorry, but this is not at all right and is simply a different framing of the same correlation/causation mixup I mentioned before. ETF users and open-end mutual fund users are not otherwise similar: they have different backgrounds, needs, and goals. Research that controls for demographic and psychog...
by spdoublebass
Wed Oct 14, 2020 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Social security. Take it at 62 [Motley Fool article]
Replies: 222
Views: 20057

Re: Social security. Take it at 62 [Motley Fool article]

I’m not trying to sound like a broken record, I know I already chimed In up thread. For the people who are saying they claimed at 62, are you still working? I ask only because I want to know if I’m missing something. The one thing stopping me from claiming at 62 is the penalty for working. I want t...
by spdoublebass
Wed Oct 14, 2020 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Social security. Take it at 62 [Motley Fool article]
Replies: 222
Views: 20057

Re: Social security. Take it at 62 [Motley Fool article]

I’m not trying to sound like a broken record, I know I already chimed In up thread. For the people who are saying they claimed at 62, are you still working? I ask only because I want to know if I’m missing something. The one thing stopping me from claiming at 62 is the penalty for working. I want to...
by spdoublebass
Tue Oct 13, 2020 11:46 pm
Forum: Personal Investments
Topic: How many funds?
Replies: 46
Views: 3026

Re: How many funds?

rebalance is overrated I am not sure I follow. Did you read any articles or other information that would support that? Please share! Mr. Bogle said you do not have to rebalance. He did say if you must, do it once a year. Kind of like if you must hold international no more than 20%. https://www.cnbc...
by spdoublebass
Tue Oct 13, 2020 5:05 pm
Forum: Investing - Theory, News & General
Topic: How do Bogleheads cope with not beating the market?
Replies: 142
Views: 10734

Re: How do Bogleheads cope with not beating the market?

The real question is how do non Bogleheads cope with underperforming (and not beating) the market.
by spdoublebass
Sun Oct 11, 2020 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Social security. Take it at 62 [Motley Fool article]
Replies: 222
Views: 20057

Re: Social security. Take it at 62 [Motley Fool article]

Another issue, that may affect a timing decision, for married folks: - Say for example you would get $20,000 at age 62 - you decide to wait until age 70 - 6 yrs later at age 68 you die - your you/spouse loses $20,000 a year ($20k x 6 =$120,000) - in addition, you my have depleted part of your savin...
by spdoublebass
Fri Oct 09, 2020 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: How to transition from Spousal to Own SS benefit?
Replies: 39
Views: 3014

Re: How to transition from Spousal to Own SS benefit?

A common fact pattern is for lower earner to file for retirement benefits, then (or at the same time) the higher earner (born before 1/2/1954) files a restricted application for spousal-only. Then at a later date (often but not necessarily at age 70) the higher earner files for their own retirement...
by spdoublebass
Fri Oct 09, 2020 7:00 pm
Forum: Investing - Theory, News & General
Topic: Simplicity on Bond Funds
Replies: 181
Views: 13862

Re: Simplicity on Bond Funds

I think this thread has gone in another direction! I had started the thread in terms of having one bond fund in a portfolio for simplicity purposes. One short or intermediate investment grade bond fund that is low cost will provide safety and income to a portfolio. In my opinion any short or interm...
by spdoublebass
Fri Oct 09, 2020 11:01 am
Forum: Investing - Theory, News & General
Topic: Simplicity on Bond Funds
Replies: 181
Views: 13862

Re: Simplicity on Bond Funds

I think this thread has gone in another direction! I had started the thread in terms of having one bond fund in a portfolio for simplicity purposes. One short or intermediate investment grade bond fund that is low cost will provide safety and income to a portfolio. In my opinion any short or interm...
by spdoublebass
Mon Oct 05, 2020 10:30 am
Forum: Investing - Theory, News & General
Topic: Smarter approach to "emergency funds"?
Replies: 153
Views: 19911

Re: Smarter approach to "emergency funds"?

The concept itself if relatively simple: a household should have enough financial capital withstand unexpected shocks (either a period of unemployment/underemployment or a major unplanned expenses) without undue stress. But boy, are there lots of details there in which the devil can hide. How much ...
by spdoublebass
Sat Oct 03, 2020 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security: Website Estimate vs Actual
Replies: 25
Views: 2408

Re: Social Security: Website Estimate vs Actual

How does one know or determine their bend points? I’m leery about downloading a file off the net. Search the forum for bend points. It's not that hard to figure out when you read up on it a bit. You don't have to download stuff if you don't want to. But it's nice to get the income info off of the w...
by spdoublebass
Sat Oct 03, 2020 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security: Website Estimate vs Actual
Replies: 25
Views: 2408

Re: Social Security: Website Estimate vs Actual

How does one know or determine their bend points? I’m leery about downloading a file off the net. Search the forum for bend points. It's not that hard to figure out when you read up on it a bit. You don't have to download stuff if you don't want to. But it's nice to get the income info off of the w...
by spdoublebass
Sat Oct 03, 2020 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security: Website Estimate vs Actual
Replies: 25
Views: 2408

Re: Social Security: Website Estimate vs Actual

What about for people 20+ years out? Is it accurate that far out? I think it estimates certain things, but I guess it’s hard to predict the future that far out. How good are any 20 year old estimates of anything? And why would you care? I don't really. I created an account just to make sure my inco...
by spdoublebass
Sat Oct 03, 2020 12:25 am
Forum: Personal Finance (Not Investing)
Topic: Social Security: Website Estimate vs Actual
Replies: 25
Views: 2408

Re: Social Security: Website Estimate vs Actual

What about for people 20+ years out? Is it accurate that far out? I think it estimates certain things, but I guess it’s hard to predict the future that far out.
by spdoublebass
Fri Oct 02, 2020 12:13 pm
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 216
Views: 20205

Re: Long Suffering VXUS Holder No More

Interesting noted about Jack Bogle saying hold to death. Would you please share a source or link to an article or interview? Jack Bogle recommended Total Stock and Total Bond in essentially every article and interview. Google and find any article with Bogle. He says stay the course.Don’t just do so...
by spdoublebass
Fri Oct 02, 2020 7:54 am
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 216
Views: 20205

Re: Long Suffering VXUS Holder No More

So much contradiction in this post... OK, let me try again. I'd like to come up with a long-term diversification plan that replaces VXUS in a three fund portfolio, with the other two funds being VTI and Total Bond. I totally get "staying the course" but I am guessing that no one here is t...
by spdoublebass
Fri Oct 02, 2020 3:21 am
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 216
Views: 20205

Re: Long Suffering VXUS Holder No More

So a question to seriously consider is if in the OP's post we substituted an underperforming single stock such as GE or XOM would the consensus not be to sell it and move on? It seems the same rationale should be applied to poorly performing International ETF's and mutual funds. Status Quo Bias? I ...
by spdoublebass
Fri Oct 02, 2020 2:34 am
Forum: Personal Investments
Topic: Long Suffering VXUS Holder No More
Replies: 216
Views: 20205

Re: Long Suffering VXUS Holder No More

OP here. Thanks for all the really thoughtful replies. A little more background. We been with Vanguard 30+ years. We're nearing retirement and have a large amount of money in the market. So we don't need to chase return to feel comfortable with our savings level. I think that in part is why the Van...
by spdoublebass
Fri Sep 25, 2020 6:47 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1243
Views: 134043

Re: Jack Bogle - Two Fund Portfolio

In reviewing the results from Portfolio Visualizer the result is completely different: Assumptions Retire - 1976 Portfolio - $40,000 Annual withdrawal - $2,500 Results Portfolio #1 Total Stock - 100% Result - $392,000 - CAPR - 6.80% - StDev - 15.36 Portfolio #2 Total Stock - 60% Total International...
by spdoublebass
Fri Sep 25, 2020 12:35 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 3013
Views: 1926878

Re: The Three-Fund Portfolio

Interesting. I saw this in another post: The traditional three-fund portfolio starting at world market cap ratio and not reinvesting dividends will continue to track world market cap on its own if you don't touch it, anyway. Is this true? If I start VTI and VXUS at market weight holdings (looks to ...
by spdoublebass
Sun Sep 20, 2020 9:47 pm
Forum: Investing - Theory, News & General
Topic: EE Bonds and Sequence of Returns Risk
Replies: 56
Views: 4200

Re: EE Bonds and Sequence of Returns Risk

It should also be pointed out that currently many bank account are paying .1% or less. Of course people on Bogleheads know of Ally and other places, but Ally is currently getting .8%. So if God forbid you cash the EE bonds out early, it's not ideal, but it's not catastrophic and going to wreck your ...
by spdoublebass
Fri Sep 18, 2020 10:11 pm
Forum: Investing - Theory, News & General
Topic: EE Bonds and Sequence of Returns Risk
Replies: 56
Views: 4200

Re: EE Bonds and Sequence of Returns Risk

We are launching our 20 year EE bond ladder this month and I've really had to think this through since it's a strategy that requires consistency and follow through. I am not trying to hijack your thread. I do have a question about which individuals should attempt this strategy. -Do you max your 401...
by spdoublebass
Mon Sep 14, 2020 11:49 am
Forum: Personal Investments
Topic: transitioning portfolio with age
Replies: 29
Views: 2913

Re: transitioning portfolio with age

Hello all. hope you are safe and well. I have read alot about that investment based on age bracket is useful to dictate percentage of what goes towards stocks vs bonds etc such as this example: https://www.aaii.com/asset-allocation?a=subnavHome now I know the percentage varies depending on what age...
by spdoublebass
Thu Sep 10, 2020 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Buying vs. Renting Principles
Replies: 206
Views: 14182

Re: Buying vs. Renting Principles

Not necessary true when there are a bunch of landlords desperating to rent out their places. This happened in all recessions. If you really believe there are extended periods of time where large numbers of rentals are available under cost, why do you own a house? 000, A) I do not consider my primar...
by spdoublebass
Thu Sep 10, 2020 6:07 am
Forum: Investing - Theory, News & General
Topic: Vanguard International Bonds
Replies: 42
Views: 3561

Re: Vanguard International Bonds

So I have not looked at Vanguard's Portfolio Analyzer tool in a while. If you do look I think you'll find your answer. So you invest in international bonds? In your OP that wasn't the question. Are you asking who invests in International Bonds or are you asking why Vanguard markets them?
by spdoublebass
Thu Sep 10, 2020 4:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard International Bonds
Replies: 42
Views: 3561

Re: Vanguard International Bonds

abuss368 wrote: Tue Sep 08, 2020 7:32 pm So I have not looked at Vanguard's Portfolio Analyzer tool in a while.

If you do look I think you'll find your answer.
by spdoublebass
Fri Sep 04, 2020 11:03 am
Forum: Investing - Theory, News & General
Topic: Tiaa Traditional: PreTax or Roth?
Replies: 14
Views: 530

Re: Tiaa Traditional: PreTax or Roth?

What I mean is if I have the option, should I try to use the Roth version as long as it doesn't bump us up to the next tax bracket? That depends on what you expect for your future marginal tax rate ( after retirement). See that and the rest of the Traditional versus Roth wiki article for a TIAA-ind...
by spdoublebass
Fri Sep 04, 2020 9:37 am
Forum: Investing - Theory, News & General
Topic: Tiaa Traditional: PreTax or Roth?
Replies: 14
Views: 530

Re: Tiaa Traditional: PreTax or Roth?

Your original question is not clear enough for me to try and answer. Roth money is Roth money, whether it was rolled over or put in during the earning of the money. It's never mixed with any other kind of money. It's also unusual (but not impossible ... ) for institutions to offer Roth 403(b)s. It ...
by spdoublebass
Fri Sep 04, 2020 9:30 am
Forum: Investing - Theory, News & General
Topic: Tiaa Traditional: PreTax or Roth?
Replies: 14
Views: 530

Re: Tiaa Traditional: PreTax or Roth?

This must be something specific to your organization's plan. I have had retirement accounts with TIAA for the past two decades and the employer contributions and employee contributions have been in different accounts with my own choice of funds and allocations of contributions. This is important be...
by spdoublebass
Fri Sep 04, 2020 9:16 am
Forum: Investing - Theory, News & General
Topic: Tiaa Traditional: PreTax or Roth?
Replies: 14
Views: 530

Re: Tiaa Traditional: PreTax or Roth?

I'm curious though is they treat Roth vs Pretax contributions to Traditional differently. I don't see why they would. You should note that there are several different varieties of TIAA Traditional which have different options, rates, and restrictions, whether they are in Roth or pretax. I would say...
by spdoublebass
Fri Sep 04, 2020 8:47 am
Forum: Investing - Theory, News & General
Topic: Tiaa Traditional: PreTax or Roth?
Replies: 14
Views: 530

Re: Tiaa Traditional: PreTax or Roth?

That is absolutely nuts. I hate TIAA with a passion... except for TIAA Traditional Annuity, which I love. Roth vs Traditional is purely an account-level designation that determines how withdrawals are taxed. Whether an account is Roth, Traditional, or mixed should not affect the investments inside ...
by spdoublebass
Fri Sep 04, 2020 7:30 am
Forum: Investing - Theory, News & General
Topic: Tiaa Traditional: PreTax or Roth?
Replies: 14
Views: 530

Re: Tiaa Traditional: PreTax or Roth?

I also am aware of the fact that TIAA does not let you choose a different AA for your PreTax and Roth 403b. I don't understand. You have different "accounts" for regular 403b and Roth 403b, right? No. I'm sorry I wasn't clear. I do not have a Roth 403b. I've read on the forum about some i...
by spdoublebass
Fri Sep 04, 2020 7:13 am
Forum: Investing - Theory, News & General
Topic: Tiaa Traditional: PreTax or Roth?
Replies: 14
Views: 530

Tiaa Traditional: PreTax or Roth?

I recently asked a different question on TIAA Traditional found here: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=321889 I also am aware of the fact that TIAA does not let you choose a different AA for your PreTax and Roth 403b. My question is more basic. My wife and I are in the 12% ta...