Search found 118 matches

by bluerafters
Sun May 31, 2020 9:06 am
Forum: Personal Investments
Topic: How do you keep track your investments?
Replies: 41
Views: 2170

Re: How do you keep track your investments?

I've been a Mint user for a considerable amount of years. Had I known then about data and privacy I would have never set Mint up in the first place. :oops: Mint works for almost all my accounts, save Treasury Direct, and does an adequate job. I've always wanted to spreadsheet everything just because...
by bluerafters
Thu May 28, 2020 3:45 pm
Forum: Investing - Theory, News & General
Topic: Swedroe’s Bond Advice - no total bond index
Replies: 165
Views: 11595

Re: Swedroe’s Bond Advice - no total bond index

So I finally took the time to read Larry Swedroe’s The Only Guide to a Winning Bond Strategy You'll Ever Need. Great book for those of us who don’t understand or believe in bonds. Not sure I’m sold but I understand a lot more now. One thing perplexes me though so I need to ask. Bogleheads recommend...
by bluerafters
Thu May 28, 2020 6:02 am
Forum: Personal Investments
Topic: Couple Hundred Bucks, 5–10 time horizon in taxable. Where do you park your money right now?
Replies: 8
Views: 607

Couple Hundred Bucks, 5–10 time horizon in taxable. Where do you park your money right now?

We we playing this game in the lunch room yesterday which yielded quite an interesting amount of answers in these crazy times.

Say you just got a couple hundred bucks, nothing crazy, you have a time horizon of 5-10 years, and it must be a taxable account. What would would put your money to work in?
by bluerafters
Wed May 20, 2020 7:45 am
Forum: Personal Investments
Topic: Why no HSA at Vanguard?
Replies: 19
Views: 1381

Re: Why no HSA at Vanguard?

I'm on record multiple times in emails to Vanguard to offer HSA's. I would LOVE to move my employer offered one.
by bluerafters
Fri May 15, 2020 7:44 pm
Forum: Personal Investments
Topic: Bonds for HSA
Replies: 16
Views: 838

Re: Bonds for HSA

Opposite of what you guys do for my HSA. Mine 100% stock, specifically, VIIIX, the best fund my HSA provider offers, since it's tax free growth. I except the volitile aggressive swings in hope for gains. In the event of a medical emergency I will use my external emergency fund or liquidate somethin...
by bluerafters
Fri May 15, 2020 3:07 pm
Forum: Personal Investments
Topic: Bonds for HSA
Replies: 16
Views: 838

Re: Bonds for HSA

Opposite of what you guys do for my HSA. Mine 100% stock, specifically, VIIIX, the best fund my HSA provider offers, since it's tax free growth. I except the volitile aggressive swings in hope for gains. In the event of a medical emergency I will use my external emergency fund or liquidate somethin...
by bluerafters
Fri May 15, 2020 10:03 am
Forum: Personal Investments
Topic: Bonds for HSA
Replies: 16
Views: 838

Re: Bonds for HSA

Opposite of what you guys do for my HSA. Mine 100% stock, specifically, VIIIX, the best fund my HSA provider offers, since it's tax free growth. I except the volitile aggressive swings in hope for gains. In the event of a medical emergency I will use my external emergency fund or liquidate something...
by bluerafters
Fri May 15, 2020 6:15 am
Forum: Personal Investments
Topic: Still using total bond market?
Replies: 140
Views: 16581

Re: Still using total bond market?

I still have a total bond in my employer 401k. It's not a Vanguard product but similar from a competitor. I think about it every day. I rebalanced out of a large percentage during our last drop, small percentages at a time, during March and April, into a more aggressive Russell 1000/2000 index fund....
by bluerafters
Thu May 14, 2020 9:14 am
Forum: Personal Investments
Topic: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..
Replies: 49
Views: 3021

Re: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..

I have the same plan, couple things: *well done on your contribution rate! *well done on choosing the Blackrock index funds, they are the only ones worth owning. *the 50% split between 1000/2000 may be overweight on small caps. I’ve tried to mimic the Blackrock 3000 fund, close to a total stock mar...
by bluerafters
Tue May 12, 2020 11:12 am
Forum: Personal Investments
Topic: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..
Replies: 49
Views: 3021

Re: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..

Do you participate in Walmart’s stock purchase plan? If you are allowed to sell all shares (including the company’s share match) on the day of purchase, it can be an easy way to make a bit of additional income at the end of each offering period. I do not, nor have I ever. Conscious decision not to ...
by bluerafters
Mon May 11, 2020 5:14 pm
Forum: Personal Investments
Topic: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..
Replies: 49
Views: 3021

Re: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..

Do you participate in Walmart’s stock purchase plan? If you are allowed to sell all shares (including the company’s share match) on the day of purchase, it can be an easy way to make a bit of additional income at the end of each offering period. I do not, nor have I ever. Conscious decision not to ...
by bluerafters
Sun May 10, 2020 4:05 pm
Forum: Personal Investments
Topic: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..
Replies: 49
Views: 3021

Re: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..

dru808 wrote:
Sun May 10, 2020 3:53 pm
What’s your age?
43. Old man! :happy
by bluerafters
Sun May 10, 2020 3:35 pm
Forum: Personal Investments
Topic: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..
Replies: 49
Views: 3021

Re: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..

That’s a great match by Walmart, I’m surprised. Great savings rate as well, 35%? :beer I maxed my HSA for 2020 in January as well. :D I've worked a lot of OT, at this point versus last year, for a guy who makes $18 a hour. Are you getting extra hours during covid? During the main thrust of it? It w...
by bluerafters
Sun May 10, 2020 2:58 pm
Forum: Personal Investments
Topic: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..
Replies: 49
Views: 3021

Re: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..

In addition to the tradtional vs Roth article, there's a useful one on prioritizing investments: https://www.bogleheads.org/wiki/Prioritizing_investments Of course at a minimum you should capture the full employer match (which will always be traditional, as another poster already noted). After that...
by bluerafters
Sun May 10, 2020 2:53 pm
Forum: Personal Investments
Topic: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..
Replies: 49
Views: 3021

Re: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..

dru808 wrote:
Sun May 10, 2020 2:01 pm
That’s a great match by Walmart, I’m surprised. Great savings rate as well, 35%? :beer
I maxed my HSA for 2020 in January as well. :D I've worked a lot of OT, at this point versus last year, for a guy who makes $18 a hour.
by bluerafters
Sun May 10, 2020 2:51 pm
Forum: Personal Investments
Topic: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..
Replies: 49
Views: 3021

Re: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..

Both the traditional and Roth 401k is offered through Merrill Lynch. Walmart offers a 6% match. (The way I read it is a 6% match between both options, not 6% for each, or you could 4% 401k and 2% Roth, etc..) I make a normal hourly wage, control my expenses tightly and use my vacation and OT pay to...
by bluerafters
Sun May 10, 2020 2:51 pm
Forum: Personal Investments
Topic: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..
Replies: 49
Views: 3021

Re: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..

I have the same plan, couple things: *well done on your contribution rate! *well done on choosing the Blackrock index funds, they are the only ones worth owning. *the 50% split between 1000/2000 may be overweight on small caps. I’ve tried to mimic the Blackrock 3000 fund, close to a total stock mar...
by bluerafters
Sun May 10, 2020 2:49 pm
Forum: Personal Investments
Topic: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..
Replies: 49
Views: 3021

Re: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..

Stinky wrote:
Sun May 10, 2020 9:03 am
Congratulations on your absolutely awesome savings rate! You should be well-set if you can keep this up.

You might look at this page from the Wiki as you decide which way to go.

https://www.bogleheads.org/wiki/Traditional_versus_Roth
Many thanks for the link! Good Sunday reading material.
by bluerafters
Sun May 10, 2020 8:47 am
Forum: Personal Investments
Topic: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..
Replies: 49
Views: 3021

My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..

Both the traditional and Roth 401k is offered through Merrill Lynch. Walmart offers a 6% match. (The way I read it is a 6% match between both options, not 6% for each, or you could 4% 401k and 2% Roth, etc..) I make a normal hourly wage, control my expenses tightly and use my vacation and OT pay to ...
by bluerafters
Sat Jan 18, 2020 6:54 pm
Forum: Personal Investments
Topic: Where do you keep your Emergency Funds? How is it invested?
Replies: 139
Views: 11628

Re: Where do you keep your Emergency Funds? How is it invested?

Yep. :oops: I scraped together enough for the $3,000 entry into VMMXX and was going to open it this February. My plan was to guide it to $5,000 and convert into VMRXX by 2020 years end. At the end of 2020: $1500 Checking $1000 HSA (savings) $5,000 VMRXX $5,000,000 minimum on VMRXX https://investor.v...
by bluerafters
Fri Jan 17, 2020 9:31 pm
Forum: Personal Investments
Topic: Where do you keep your Emergency Funds? How is it invested?
Replies: 139
Views: 11628

Re: Where do you keep your Emergency Funds? How is it invested?

I do not have the means nor the amounts of the above posters in this thread. Building an emergency fund is on the list of items to accomplish in 2020. (Fully funding the HSA, now finished with my last paycheck in January, is always first.) Fascinating to see the differing approaches to the topic as ...
by bluerafters
Tue Dec 10, 2019 10:59 pm
Forum: Personal Investments
Topic: Portfolio Question: Thinking About 2020-2025
Replies: 6
Views: 860

Re: Portfolio Question: Thinking About 2020-2025

What am I missing? Where am I wrong and what could go wrong? What moves could I make to streamline fees? What kind of risk am I exposing myself too? Any suggestions, comments are welcome! I don't see much wrong with your plan. You're saving a high percentage of your income, and doing it by using br...
by bluerafters
Tue Dec 10, 2019 5:41 pm
Forum: Personal Investments
Topic: Portfolio Question: Thinking About 2020-2025
Replies: 6
Views: 860

Re: Portfolio Question: Thinking About 2020-2025

What am I missing? Where am I wrong and what could go wrong? What moves could I make to streamline fees? What kind of risk am I exposing myself too? Any suggestions, comments are welcome! I don't see much wrong with your plan. You're saving a high percentage of your income, and doing it by using br...
by bluerafters
Tue Dec 10, 2019 11:53 am
Forum: Personal Investments
Topic: Portfolio Question: Thinking About 2020-2025
Replies: 6
Views: 860

Portfolio Question: Thinking About 2020-2025

42, employed full time Walmart, single, no children, renting, auto is paid off, no debt, a rough snapshot, on December 2019: Checking account for liquid reserve and/or monthly expenses. Maxed both 2018 and 2019 of the Walmart HSA. Savings Account (No choice) and VIIIX (Self direction) with dividends...
by bluerafters
Wed Aug 14, 2019 8:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard Reopens Dividend Growth Fund-Press Release August 1
Replies: 32
Views: 5360

Vanguard Dividend Growth Reopens

https://www.morningstar.com/articles/939844/vanguard-dividend-growth-reopens https://www.barrons.com/articles/vanguard-dividend-growth-fund-reopening-new-investors-51564693143 https://www.kiplinger.com/article/investing/T041-C007-S001-vanguard-dividend-growth-reopens-enter-vdigx.html https://www.inq...
by bluerafters
Sun Jun 23, 2019 7:39 pm
Forum: Personal Investments
Topic: Vanguard Ohio Tax-Exempt Money Market Fund VOHXX
Replies: 1
Views: 412

Vanguard Ohio Tax-Exempt Money Market Fund VOHXX

https://investor.vanguard.com/mutual-fu ... view/vohxx

How often does Vanguard open a "closed to new investors" fund? Why would a fund "close"? As an Ohio resident this is quite an attractive place to park an emergency fund...
by bluerafters
Sat Jun 15, 2019 9:45 am
Forum: Personal Investments
Topic: Vanguard Dividend ETF Offerings: VIG, VYM, VYMI
Replies: 7
Views: 1781

Vanguard Dividend ETF Offerings: VIG, VYM, VYMI

Background: 42 in August. I contribute 25% to the company 401k (6% match). I've already fully funded my 2019 Roth ($6000). What I want is a taxable account to supplement, then ultimately take over for, my income. The time horizon I'm operating at is 20 years. Buy, DRIP, Hold, Repeat. I truly enjoy d...
by bluerafters
Wed May 29, 2019 7:12 am
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" podcast stats and guests
Replies: 17
Views: 2323

Re: "Bogleheads on Investing" podcast stats and guests

Rick: Any chance of a dedicated Twitter just for the podcast? I've got your personal Twitter feed in my podcast(s) list but I'd like to see one just for the show in case I need to retweet. Not in the works at the moment. Mel has the Twitter handle @Bogleheads but doesn't use it. I'll see if he want...
by bluerafters
Tue May 28, 2019 10:54 am
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" podcast stats and guests
Replies: 17
Views: 2323

Re: "Bogleheads on Investing" podcast stats and guests

Rick: Any chance of a dedicated Twitter just for the podcast? I've got your personal Twitter feed in my podcast(s) list but I'd like to see one just for the show in case I need to retweet.
by bluerafters
Wed May 22, 2019 10:05 am
Forum: Investing - Theory, News & General
Topic: Financial podcasts
Replies: 38
Views: 5752

Re: Financial podcasts

Explorer wrote:
Mon May 13, 2019 3:54 pm
Newest podcast "The Long View" from Morningstar debuted last week
Appreciate the heads up.
by bluerafters
Thu Nov 29, 2018 9:09 pm
Forum: Investing - Theory, News & General
Topic: Bogle Sounds a Warning on Index Funds
Replies: 103
Views: 23617

Re: Bogle Sounds a Warning on Index Funds

The WSJ paywall has gotten pretty good. Now days there are several types of paywall. Cookie based paywalls often allow you to read a limited number of articles in a given time period. They track your usage based on cookies that are saved to your device in the browsers cache of cookies. Many of them...
by bluerafters
Mon Nov 26, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Financial goals for 2019 (specific)
Replies: 86
Views: 8807

Re: Financial goals for 2019 (specific)

Specifically for 2019: 20% 401k From Each Paycheck. 1st Three Paychecks In 2019 Automatically Pull $1050. (Two in January & First In February.) Fully Fund HSA With Company Match To $3500 Invested Into VIIIX. By March 1st Fully Fund Roth IRA 2019 At $6000 Into VTWSX. Watch For VTWSX Admiral Conversio...
by bluerafters
Mon Nov 19, 2018 4:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 225
Views: 22101

Re: Vanguard lowering Admiral level to $3,000?

https://www.wsj.com/articles/vanguard-ratchets-up-index-fund-price-battle-1542636000 For those not behind the paywall. Starting Monday, the firm is lowering the minimums for admiral shares—a share class that costs less than regular investor classes—to $3,000 from $10,000 for 38 index mutual funds. ...
by bluerafters
Mon Nov 12, 2018 8:35 pm
Forum: Personal Investments
Topic: VGTSX/VTSAX or Just The VTWSX?
Replies: 7
Views: 2260

VGTSX/VTSAX or Just The VTWSX?

As per LadyGeek, I'm posting this in it's own thread from the The Three-Fund Portfolio thread. Her response to my post: https://www.bogleheads.org/forum/viewtopic.php?p=4210390#p4210390 The quick version is: I have a Roth that is dedicated to aggressive experimentation. I will have, in the beginning...
by bluerafters
Mon Nov 12, 2018 2:50 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2834
Views: 1856367

Re: The Three-Fund Portfolio

Listened to the third episode of the Bogleheads podcast this morning. I have a Roth IRA that I regard as my most aggressive investment. The Roth is currently sitting at $12,000-$15,000 in VTSAX depending on the market on any given day. In early January 2019 I was going to lump sum $6000 to the VGTSX...
by bluerafters
Sun Oct 21, 2018 9:59 pm
Forum: Investing - Theory, News & General
Topic: Help me understand dividends
Replies: 146
Views: 15589

Re: Help me understand dividends

Interesting. I just had a conversation at work on this very same subject. Anyone care to comment on the best Vanguard Dividend Mutual Fund?
by bluerafters
Mon Sep 24, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: [Deleted]
Replies: 50
Views: 8608

Help Understanding Mark Spitznagel And Tail-risk Hedging?

[Thread merged into here, see below. --admin LadyGeek] https://www.worth.com/the-goat-whisperer/ I'm enjoy reading about strategies people use in Investing. (You never know if something might be useful down the road.) I initially found Spitznagel through Taleb, whom I enjoy, but can only take in sm...
by bluerafters
Sun Sep 16, 2018 7:06 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 152
Views: 13409

Re: Age in Bonds - Still Recommended?

Having just read this entire thread I'm going to take a long walk and think about this. I really do love the discussions on this board. The only thing two things I know for certain is that there will be another downturn, at some point, and that I don't know enough, ever, so I have to keep learning. ...
by bluerafters
Sun Sep 16, 2018 2:19 pm
Forum: Investing - Theory, News & General
Topic: 7 Great Vanguard Funds to Buy Investor Place
Replies: 0
Views: 575

7 Great Vanguard Funds to Buy Investor Place

https://investorplace.com/2018/09/7-gre ... ds-to-buy/

I was unaware of the new Vanguard Total World Bond ETF. Thought this might help someone else.
by bluerafters
Fri Jul 27, 2018 9:49 am
Forum: Personal Investments
Topic: Your age in bonds?
Replies: 57
Views: 7675

Re: Your age in bonds?

Hmmm. Food for thought.
by bluerafters
Fri Jul 27, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Help With Beneficiaries: Single, No Children, Two Siblings
Replies: 12
Views: 1427

Help With Beneficiaries: Single, No Children, Two Siblings

In case something catastrophic happens to me I would very much like to leave my assets to my family members. No children or spouse, and ,quite frankly, I never will, but I do have a brother and a sister. At present, no will nor property beyond a vehicle. Is the traditional beneficiaries / probate th...
by bluerafters
Mon Jul 02, 2018 7:06 pm
Forum: Personal Investments
Topic: Need Your Feedback on 100% VTSAX
Replies: 39
Views: 5532

Re: Need Your Feedback on 100% VTSAX

Honest question why not something like VFORX?
by bluerafters
Thu Jun 14, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Still With An Old Barclays Dream Account? Have You Converted To A New Online Savings Account?
Replies: 4
Views: 935

Re: Anyone Still With An Old Barclays Dream Account? Have You Converted To A New Online Savings Account?

NancyABQ wrote:
Thu Jun 14, 2018 11:48 am
bluerafters wrote:
Thu Jun 14, 2018 11:02 am
Appreciate the reply. Did you call or were you able to switch over online?
I called them and had them do it for me. I don't know if you can do it online. But I recall it was pretty painless.
Gotcha. Thanks!
by bluerafters
Thu Jun 14, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Still With An Old Barclays Dream Account? Have You Converted To A New Online Savings Account?
Replies: 4
Views: 935

Re: Anyone Still With An Old Barclays Dream Account? Have You Converted To A New Online Savings Account?

I moved my Dream Accounts to regular savings months ago. When I noticed they raised the savings account rate and didn't raise the Dream Account rate, I called and they told me they were phasing them out. So I just moved everything to regular savings accounts. That 2.5% bonus is inconsequential -- i...
by bluerafters
Thu Jun 14, 2018 4:12 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Still With An Old Barclays Dream Account? Have You Converted To A New Online Savings Account?
Replies: 4
Views: 935

Anyone Still With An Old Barclays Dream Account? Have You Converted To A New Online Savings Account?

https://www.banking.barclaysus.com/faq.html?wc=true The deprecated Dream is returning APY 1.20%, I’ve have 10k sitting in it, and has a bonus feature: What bonuses can I earn? When you make deposits every month for 6 consecutive months, you’ll earn a 2.5% bonus on the total interest earned over that...