Search found 1361 matches

by retiringwhen
Wed Nov 13, 2019 7:17 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 914
Views: 306291

Re: Variable Percentage Withdrawal (VPW)

Sorry if this has been posted before. For ALL of the age questions/drop-downs in the Retirement tab, should those ages correspond to the youngest spouse? Yes, of course. It's also important to consider what will happen after the passing of one spouse and plan for the projected residual retirement i...
by retiringwhen
Wed Nov 13, 2019 8:55 am
Forum: Personal Investments
Topic: Strategy for transitioning to Bogle
Replies: 10
Views: 434

Re: Strategy for transitioning to Bogle

I am changing my investment strategy from using an advisor, to applying the Bogle philosophy. I currently have a mix of mutual funds, ETF's and securities. I am ten years from retirement. The majority of my investments are in tax-free IRA accounts. I would like to know if there is a strategy for wh...
by retiringwhen
Tue Nov 12, 2019 12:17 pm
Forum: Personal Investments
Topic: Vanguard Market Outlook
Replies: 9
Views: 1404

Re: Vanguard Market Outlook

As of OCT-219, the 30 year CAGR CPI inflation rate has been 2.46% 10 year has been 1.75% 5 year has been 1.51% 2 year has been 2.14% 1 year has been 1.85% Anything over 2.5% is hard to imagine, I have been using 1.9% for < 5 years and 2% long-term. Inflation has been on a very very long slide down. ...
by retiringwhen
Mon Nov 11, 2019 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard settlement account show in "My Accounts" screen?
Replies: 6
Views: 315

Re: Vanguard settlement account show in "My Accounts" screen?

Thanks.... I guess I'm really talking about "my holdings spot" It's Visible there and if I want it more visible or maybe organized to my liking is a better way to put it, I can just buy the appropriate money market and it should change the pages outlook. Just playing around and trying to get things...
by retiringwhen
Mon Nov 11, 2019 8:53 am
Forum: Personal Investments
Topic: Money Market yields dropped a lot!
Replies: 7
Views: 2000

Re: Money Market yields dropped a lot!

7-day yield Vanguard Prime Money Market Fund VMMXX dropped from 2+% to 1.8%, FIDELITY GOVT MMKT PREMIUM CLASS FZCXX dropped to 1.4%! that 0.2% extra expense ratio (or a J G Bankerton calls it "the rake" or as Jack Bogle called it the "croupier's take") looms larger as yields go down. That is why I ...
by retiringwhen
Thu Nov 07, 2019 11:27 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1894
Views: 196895

Re: U.S. stocks continue to soar!

If it made " your head asplode " it had the intended affect. https://www.urbandictionary.com/define.php?term=asplode The source: https://www.youtube.com/watch?v=R22zSrpeSA4 "Your Head A Splode" I will admit there is no ties to the market soaring unless expect to say that maybe the market is running...
by retiringwhen
Thu Nov 07, 2019 8:39 am
Forum: Investing - Theory, News & General
Topic: Theory on Sept 8, 2018?
Replies: 1
Views: 378

Re: Theory on Sept 8, 2018?

That was the week that S&P 500 hit its all time high that held until this past June. Coincidence?

BTW, goes to show how short and sharp the DEC drop was. Come and gone in less than 8 mos.
by retiringwhen
Wed Nov 06, 2019 9:45 pm
Forum: Investing - Theory, News & General
Topic: Taxable Equivalent Yield (TEY)
Replies: 36
Views: 6617

Re: Taxable Equivalent Yield (TEY)

Kevin M wrote:
Wed Nov 06, 2019 9:42 pm
Here you go:...
:sharebeer
by retiringwhen
Wed Nov 06, 2019 9:13 pm
Forum: Investing - Theory, News & General
Topic: Taxable Equivalent Yield (TEY)
Replies: 36
Views: 6617

Re: Taxable Equivalent Yield (TEY)

There also is a Treasury sheet that pulls historical Treasury yields from treasury.gov (using a script), calculates the expected yield for VUSXX using the 7-day average of the 1m, 2m, and 3m averages of the 1m, 2m, and 3m Treasury yields, for a selected period of time, and compares those historical...
by retiringwhen
Wed Nov 06, 2019 12:41 pm
Forum: Personal Investments
Topic: Will we be OK at 3% WR?
Replies: 273
Views: 17635

Re: Will we be OK at 3% WR?

quick and dirty, 60/40 portfolio - assume last to die age 98 (close to SS life table), no legacy motive, no other source of income (not even SS), 3.33% hasn't failed since 1871. Source ERN's SWR worksheet. https://earlyretirementnow.com/2018/08/29/google-sheet-updates-swr-series-part-28/ Edited to a...
by retiringwhen
Tue Nov 05, 2019 9:11 pm
Forum: Investing - Theory, News & General
Topic: Taxable Equivalent Yield (TEY)
Replies: 36
Views: 6617

Re: Taxable Equivalent Yield (TEY)

Kevin, et al, I have created a Google Sheets spreadsheet that I believe provides a general purpose answer to the TEY question and the question so often asked on BH. What MM should I use? See this page on my site and the link to the Google sheet. It uses the After-Tax Yield and TEY yield calculations...
by retiringwhen
Mon Nov 04, 2019 10:23 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1894
Views: 196895

Re: U.S. stocks continue to soar!

...And then the market more than doubled over the next 3 years, and then crashed 40%. It never actually got as low as it was in 1996, so even with valuations the highest they had been since the Great Depression, and with the Fed chairman himself claiming "irrational exuberance", 1996 was still a go...
by retiringwhen
Mon Nov 04, 2019 10:07 am
Forum: Investing - Theory, News & General
Topic: Vanguard without Jack Bogle - Allan Roth
Replies: 28
Views: 4376

Re: Vanguard without Jack Bogle - Allan Roth

Will it change without the watchful eye of our mentor? https://www.financial-planning.com/opinion/vanguard-without-jack-bogle I would discount the reliability of opinions of Vanguard outsiders on how much influence Mr. Bogle still had on the organization. Jonathan Clements and Allan Roth are pretty...
by retiringwhen
Sun Nov 03, 2019 10:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1894
Views: 196895

Re: U.S. stocks continue to soar!

Much like the proverbial "Taper Tantrum" of 2013 -- when rates had nowhere to go but UP! -- we seem to be in a Raging Bull Tantrum . . . he's gasping his last breath now, any day . . . :shock: I suspect you're joking, but it just hits me funny as I've been reading that the bull can't possibly go on...
by retiringwhen
Wed Oct 30, 2019 10:02 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1894
Views: 196895

Re: U.S. stocks continue to soar!

@ JG: No "Beardstown math"? ^ ^ (i.e., counting contributions as portfolio gains) EDITED TO ADD: IMO one should include EVERYTHING, ALL INVESTED ACCOUNTS, taxable, tax-deferred, included cash holdings, etc. all combined into one percent number, or you don't really know where you are. :shock: Longin...
by retiringwhen
Tue Oct 29, 2019 1:51 pm
Forum: Personal Investments
Topic: Rollover over IRA TO 401K -- 12 month rule?
Replies: 6
Views: 325

Re: Rollover over IRA TO 401K -- 12 month rule?

As an aside, Since you will have the funds in the form of a check for a week or so for these rollovers, you can mitigate the risk of being out of the market by making an appropriate temporary adjustment of you OTHER investments (like the 401K) to take in account that you'll have that other money in ...
by retiringwhen
Mon Oct 28, 2019 8:23 am
Forum: Personal Consumer Issues
Topic: Furnace air filters
Replies: 37
Views: 2896

Re: Furnace air filters

What air filters you use for your furnaces? My contractor told me to stop purchasing these expensive ones from Costco (around $15 a piece), go get some of these cheapest ones from Homedepot. it all depends on you system. This is often recommended because the expensive ones can greatly reduce the ai...
by retiringwhen
Sat Oct 26, 2019 4:06 pm
Forum: Investing - Theory, News & General
Topic: Inside Fisher Investments
Replies: 123
Views: 11623

Re: Inside Fisher Investments

Vanguard already fired off a horrible identikit memo this year to every company on the topic of the hour. It will get worse in the future, whatever that hysteria turns out to be. My brain cannot parse these words. Could you better explain what "fired off", "horrible", "identikit" and "every company...
by retiringwhen
Fri Oct 25, 2019 12:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1894
Views: 196895

Re: U.S. stocks continue to soar!

Bluce wrote:
Fri Oct 25, 2019 12:25 pm
Turkey buzzards, the master gliders. This time it's different! Stocks can only go UP!!!


Image
Perfect! Turkey Buzzards only land when they smell some serious rot! Keep flying baby!
by retiringwhen
Fri Oct 25, 2019 11:55 am
Forum: Personal Investments
Topic: intermediate v long-term bond fund duration
Replies: 10
Views: 586

Re: intermediate v long-term bond fund duration

retired@50 wrote:
Fri Oct 25, 2019 11:41 am
I believe that's the case. The Vanguard site may have a PDF fact sheet that reveals what percentage of the National muni fund is held in CA. Check in the "Tax Center". Regards,
https://advisors.vanguard.com/iwe/pdf/F ... 012019.pdf
by retiringwhen
Fri Oct 25, 2019 11:09 am
Forum: Personal Investments
Topic: intermediate v long-term bond fund duration
Replies: 10
Views: 586

Re: intermediate v long-term bond fund duration

I don't see much of a difference either... The title of intermediate and long-term don't seem to be doing the underlying investments justice. As a general rule Vanguards fund names are not consistent at all especially for Muni-funds when comparing duration. I believe historically, there was a large...
by retiringwhen
Thu Oct 24, 2019 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Part time job (20h/wk) - how to shield income from taxes?
Replies: 36
Views: 2294

Re: Part time job (20h/wk) - how to shield income from taxes?

sunny_socal wrote:
Thu Oct 24, 2019 9:51 am
I make 200k/year. I max my own 401k and HSA.

Given that, what are the options for her?
The key question above needs to be answered. Is she on W-2 or 1099? Two very different paths./
by retiringwhen
Wed Oct 23, 2019 8:18 am
Forum: Investing - Theory, News & General
Topic: "Dogs of the Dow" in a Roth IRA with Zero Commissions
Replies: 52
Views: 3354

Re: "Dogs of the Dow" in a Roth IRA with Zero Commissions

Also, I would take exception with a description that, if any of them failed, the SP500 would drop "significantly". It would take the 8 biggest companies in the S&P500 to disappear overnight in an Enron-like disaster to put the index into bear territory. Any one of them failing wouldn't put it in ev...
by retiringwhen
Wed Oct 23, 2019 8:13 am
Forum: Investing - Theory, News & General
Topic: "Dogs of the Dow" in a Roth IRA with Zero Commissions
Replies: 52
Views: 3354

Re: "Dogs of the Dow" in a Roth IRA with Zero Commissions

People have said it has done well a long time ago, but looking at the recent past, it has still outperformed by a significant margin over the last 10 years. I don't know why people say it no longer works. The recent data over the last 10 years shows that it works and works very well. I got sucked i...
by retiringwhen
Sun Oct 20, 2019 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity DAF--how to minimize fees
Replies: 27
Views: 2330

Re: Fidelity DAF--how to minimize fees

I found this info in the Fidelity Charitable Program Guidelines, page 19: Each individual Giving Account is assessed an annual administrative fee of 0.60% of Giving Account assets or $100, whichever is greater. Each corporate Giving Account is assessed an annual administrative fee of 0.60% of Giving...
by retiringwhen
Fri Oct 18, 2019 8:04 am
Forum: Investing - Theory, News & General
Topic: "Vanguard Patented a Way to Avoid Taxes on Mutual Funds"
Replies: 140
Views: 9752

Re: "Vanguard Patented a Way to Avoid Taxes on Mutual Funds"

I may be mis-rembering, but I thought this article or maybe a different similar one had indicated that a mutual fund could do this on it's own, without an ETF share class. It's just that mutual funds traditionally have not been set up for these sorts in kind redemptions...and maybe it's more diffic...
by retiringwhen
Thu Oct 17, 2019 9:11 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1894
Views: 196895

Re: U.S. stocks continue to soar!

S&P is up 0.5% in early day trading, to 3005 now. Continuing to climb that "wall of worry". Maybe this time will be the "breakout" to new highs. (from the free fall thread: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=80065&start=12200#p4784584 ) I think sticking strictly to the definition...
by retiringwhen
Fri Oct 11, 2019 7:53 am
Forum: Personal Investments
Topic: 500 Index v Tax-Managed Cap Appreciation Funds
Replies: 8
Views: 893

Re: 500 Index v Tax-Managed Cap Appreciation Funds

I created a sheet for comparing Tax efficiency (in the style of the old one by triceratop). I added VTCLX to it for you. It looks only at tax consequence and give hints about growth considerations and does not address relative Expense Ratio impacts (I mostly look at low cost index funds, this is an ...
by retiringwhen
Thu Oct 10, 2019 2:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2124761

Re: U.S. stocks in free fall

Doom&Gloom wrote:
Thu Oct 10, 2019 2:09 pm
How far this thread has fallen!

We have progressed from commenting on actual stock market dips and plunges to commenting on the predictions of it falling. Sad.
Well if the market doesn't provide a bonafide down-draft leading to a free fall, then something has to create noise and fear!
by retiringwhen
Wed Oct 09, 2019 4:42 pm
Forum: Investing - Theory, News & General
Topic: What does the portfolio one day movement tells you ?
Replies: 11
Views: 991

Re: What does the portfolio one day movement tells you ?

I got sick of following organized sports that don't involve pointy objects a long time ago. Watching the stock market is my spectator sport these days. So one day movement tells me whether I am bored or excited... More seriously, I frankly think daily movement is all noise, but like a lot of noise w...
by retiringwhen
Tue Oct 08, 2019 8:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2124761

Re: U.S. stocks in free fall

I am taping this to refrigerator to end quarrels at the dinner table :-) You argue about stock prices at the dinner table?? :oops: Doesn't everybody? :confused :shock: Let's just say that when I was a kid the Encyclopedia Britannica regularly got splatter with spaghetti sauce during dinner "discuss...
by retiringwhen
Tue Oct 08, 2019 3:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2124761

Re: U.S. stocks in free fall

I think sticking strictly to the definitions that I've seen, we've had the following markets, going by the S&P500 Index: 6MAR2009 - 2MAY2011: Bull Market (From a low of 666.8 to a high of 1363.6) [104.5% gain] 3MAY2011 - 4OCT2011: Bear Market (From a high of 1363.6 to a low of 1074.8) [21.2% drop] ...
by retiringwhen
Tue Oct 08, 2019 1:40 pm
Forum: Investing - Theory, News & General
Topic: "Bogle on Mutual Funds" A Gem
Replies: 23
Views: 2917

Re: "Bogle on Mutual Funds" A Gem

Taylor, As a Vanguard IRA holder in 1993, I received an offer to buy that book when it first came out. It was the key guide to my investing along with a handful of lesser impactful books. It turned me into an unacknowledged Boglehead for 24 years, then I found bogleheads.org and learned that my outl...
by retiringwhen
Mon Oct 07, 2019 5:40 pm
Forum: Personal Investments
Topic: Nervous about TLH
Replies: 33
Views: 2401

Re: Nervous about TLH

you sound like you did your homework, your plan looks reasonable and you are doing for solid reasons, money saving reasons. I don't see a downside, except your nerves. I did 2 and half TLH round trips last year as the market went down in the 4th quarter. The first was nerve wracking but it got easie...
by retiringwhen
Sat Oct 05, 2019 7:25 pm
Forum: Personal Investments
Topic: Vanguard login help.
Replies: 18
Views: 1476

Re: Vanguard login help.

I finally got in. Vanguard had a hic cup I assume. When I tried to login the first time I got a web page not reachable. I tried a different browser and got password wrong, I changed it and it still didn't work. I tried a third browser changing the password again and it still didn't work; said wrong...
by retiringwhen
Sat Oct 05, 2019 7:00 pm
Forum: Personal Investments
Topic: Vanguard login help.
Replies: 18
Views: 1476

Re: Vanguard login help.

Is anyone else having a hard time logging into Vanguard? I changed my password twice and keep getting incorrect password. Vanguard isn't taking phone calls until Monday morning. My life savings is not accessible and I'm concerned. My wife just ran into that same issue this evening and we were tryin...
by retiringwhen
Sat Oct 05, 2019 4:47 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe's "Rules of Prudent Investing"
Replies: 32
Views: 4495

Re: Larry Swedroe's "Rules of Prudent Investing"

Fortunes have been lost because of the refusal to pay taxes. I didn't get this one at all :confused Lets say: you are avoiding $1M of taxes to get out of an overly concentrated position in $5M+ of stock in a single company. This is very very dangerous. Let's say you didn't want to pay that tax on a...
by retiringwhen
Sat Oct 05, 2019 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Combined deductible and non-deductible TIRA contributions
Replies: 31
Views: 1231

Re: Combined deductible and non-deductible TIRA contributions

The reason to separate is that you know exactly which is which No big deal to have two separate Ira accounts or three if you have a roth Except as as soon as the next day the value of the non-deductible IRA is no longer the same as the contribution. Now you have to keep track of the basis of the no...
by retiringwhen
Fri Oct 04, 2019 7:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1894
Views: 196895

Re: U.S. stocks continue to soar!

oldzey wrote:
Fri Oct 04, 2019 6:41 pm
And back to the topic, U.S. stocks did indeed soar today...

Image

Cheers!
:beer
So Marie Kondo would approve of hoarding VTSAX? :sharebeer
by retiringwhen
Fri Oct 04, 2019 10:06 am
Forum: Personal Investments
Topic: HSA in NJ -- is it worth it?
Replies: 17
Views: 1301

Re: HSA in NJ -- is it worth it?

We moved out of New Jersey just in time. The HSA dropped the treasury fund last month. It is never too soon to leave NJ (said sadly, by a 33 year resident...) As to the rounding, since we cash flow our HSA every year (medical condition that creates tremendous out of pocket expenses regardless of pl...
by retiringwhen
Thu Oct 03, 2019 10:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2124761

Re: U.S. stocks in free fall

My concern is that my entire lifetime might just be noise, maybe a whole lot of us are very lucky to have been born when we were. It is true in the large (centuries, continents) and in the small. I graduated in 1985 from a large land-grant University with a degree in Computer Science, my colleague ...
by retiringwhen
Thu Oct 03, 2019 9:23 am
Forum: Personal Consumer Issues
Topic: Recourse for "Stolen" Money
Replies: 93
Views: 7937

Re: Recourse for "Stolen" Money

I think what the most shocking thing to me about this whole situation, is that Western Union still exists, and that somebody used it. :oops: It still has legitimate uses and in some cases, it is about the only legal and safe way to transfer funds over long distances if the recipient does not have a...
by retiringwhen
Wed Oct 02, 2019 9:10 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2124761

Re: U.S. stocks in free fall

pokebowl wrote:
Wed Oct 02, 2019 9:06 am
Possible RBD shaping up early in the morning hours? :twisted:
It does look that way, but we've had several morning head-fakes in the last few months. It does seem to be a continuation of yesterday though.
by retiringwhen
Wed Oct 02, 2019 7:40 am
Forum: Personal Investments
Topic: Creating "your own Index ETF"
Replies: 14
Views: 874

Re: Creating "your own Index ETF"

In order to do what you propose (reconstruct the S&P500 in market proportion), you would have to commit enough money to be able to buy enough whole shares of each index constituent to mimic the constitution of the index, which would run into many thousands of dollars. Schwab offers an S&P500 index ...
by retiringwhen
Wed Oct 02, 2019 7:31 am
Forum: Personal Investments
Topic: Creating "your own Index ETF"
Replies: 14
Views: 874

Re: Creating "your own Index ETF"

M1 finance would be easier to use for this As Rick Ferri discusses in multiple recent BH Podcasts, the value proposition with M1 and others to roll your own indexing is front loaded with some initial tax avoidance, but there is the devil to pay to unwind these things. It seems like about once a qua...
by retiringwhen
Tue Oct 01, 2019 5:24 pm
Forum: US Chapters
Topic: Master Thread - Central NJ Bogleheads
Replies: 10
Views: 1734

Re: Master Thread - Central NJ Bogleheads

See the details for our October 2019 Meet Up below: Time: October 5th 10:30am EST - an hour meeting followed by a social lunch Speaker: Alan Details on the presentation: Alan will give us a short presentation on how to calculate tax-equivalent yields for NJ residents on Munis and Treasury money mar...
by retiringwhen
Tue Oct 01, 2019 4:18 pm
Forum: Personal Investments
Topic: S&P500 + Ext Mkt or Total Mkt (VTSAX)
Replies: 9
Views: 780

Re: S&P500 + Ext Mkt or Total Mkt (VTSAX)

Always an honor to get a post from you. Unfortunately, it’s QDI has been below 95% for 4 of the 6 last years. It was 94% last year. Not horrible, but the 6% non-QDI is starting to drag on taxes. Prior to 2013, it was always 100% QDI, at least in my investing lifetime. If it would only go back, this...
by retiringwhen
Tue Oct 01, 2019 1:46 pm
Forum: Personal Investments
Topic: S&P500 + Ext Mkt or Total Mkt (VTSAX)
Replies: 9
Views: 780

Re: S&P500 + Ext Mkt or Total Mkt (VTSAX)

Already buried in the stack! Bumping for help. splitting across taxable and tax-deferred accounts is doable at a small cost of complexity to maintain your desire allocations. I did something similar optimizing for dividends in tax-deferred and growth in taxable: I put 43% in VIGAX (Vanguard Growth ...
by retiringwhen
Tue Oct 01, 2019 12:10 pm
Forum: Investing - Theory, News & General
Topic: Wife's 401k, Principal to Principal?
Replies: 5
Views: 431

Re: Wife's 401k, Principal to Principal?

cbr shadow wrote:
Tue Oct 01, 2019 12:04 pm
I'll look into what the new 401k investment options are and will post them here!
I agree, look at the new plans fund choices. If you can buy low-cost index funds or target date funds, it may be a good idea to rollover. If not, you still have choices :-)