Search found 1404 matches

by 3funder
Tue Sep 15, 2020 5:58 am
Forum: Investing - Theory, News & General
Topic: For those concerned about International Stocks...
Replies: 162
Views: 13979

Re: For those concerned about International Stocks...

When Bogle wrote, the US was on its way to a historic bubble, after another historic bubble had deflated in Japan, and most of what he wrote was before the economic rise of the BRIC countries (Brazil, Russia, Indian, China). His SP500 approach looked good in the 1990s, not so good the next decade. ...
by 3funder
Tue Sep 15, 2020 5:46 am
Forum: Personal Investments
Topic: Can I/should I buyout my pension?
Replies: 4
Views: 466

Re: Can I/should I buyout my pension?

All I can say is the following: My father is a bright, Ivy League educated, former CFO who understands finance and investing extremely well. He hasn’t had a lick of debt for the past 20 years and still works (albeit at a less demanding job in an entirely different industry). He has accumulated a rat...
by 3funder
Tue Sep 15, 2020 5:40 am
Forum: Personal Finance (Not Investing)
Topic: Paying off sub 4% mortgage interest rate early
Replies: 142
Views: 10341

Re: Paying off sub 4% mortgage interest rate early

Got the advice from the mega refinance thread. Used LenderFi. When did you do this? I’m in the process now. I’m getting 2.5% but I locked on the lowest date. Depending on your circumstances you can likely get 3% or lower, though. Is yours a standard refi or a cash-out? standard... however since thi...
by 3funder
Mon Sep 14, 2020 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Paying off sub 4% mortgage interest rate early
Replies: 142
Views: 10341

Re: Paying off sub 4% mortgage interest rate early

Start by paying it off in full with a no cost refinance under 3%, then decide. How did you obtain a no-cost refi? My wife and I are in the market for one (well, a cash-out refi). Got the advice from the mega refinance thread. Used LenderFi. When did you do this? I’m in the process now. I’m getting ...
by 3funder
Mon Sep 14, 2020 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Paying off sub 4% mortgage interest rate early
Replies: 142
Views: 10341

Re: Paying off sub 4% mortgage interest rate early

Start by paying it off in full with a no cost refinance under 3%, then decide. How did you obtain a no-cost refi? My wife and I are in the market for one (well, a cash-out refi). Got the advice from the mega refinance thread. Used LenderFi. When did you do this? You have to ask for lender credits t...
by 3funder
Sat Sep 12, 2020 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Paying off sub 4% mortgage interest rate early
Replies: 142
Views: 10341

Re: Paying off sub 4% mortgage interest rate early

Goal33 wrote: Sat Sep 12, 2020 10:30 am
3funder wrote: Sat Sep 12, 2020 10:22 am
Goal33 wrote: Fri Sep 11, 2020 2:32 am Start by paying it off in full with a no cost refinance under 3%, then decide.
How did you obtain a no-cost refi? My wife and I are in the market for one (well, a cash-out refi).
Got the advice from the mega refinance thread. Used LenderFi.
When did you do this?
by 3funder
Sat Sep 12, 2020 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Paying off sub 4% mortgage interest rate early
Replies: 142
Views: 10341

Re: Paying off sub 4% mortgage interest rate early

Goal33 wrote: Fri Sep 11, 2020 2:32 am Start by paying it off in full with a no cost refinance under 3%, then decide.
How did you obtain a no-cost refi? My wife and I are in the market for one (well, a cash-out refi).
by 3funder
Sat Sep 12, 2020 10:20 am
Forum: Personal Investments
Topic: How much are your 529 Contributions
Replies: 133
Views: 7308

Re: How much are your 529 Contributions

Annual gift tax limit for one parent per child (there are two of us, but that's our formula) = $15,000/year or $1,250/month.
by 3funder
Sat Sep 12, 2020 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Cash-Out Refi Metrics
Replies: 4
Views: 562

Cash-Out Refi Metrics

Please let me know if these metrics look decent (I think they do): Loan Type: Conventional Term: 15 years Cash Requested: $100,000 Remaining Balance on Current Mortgage: $39,000 Total Loan Amount: $139,000 Loan Costs: $3,400 Other Costs/Prepaids, etc: $2,700 Total Closing Cost: $6,100 Interest Rate:...
by 3funder
Mon Aug 03, 2020 11:39 am
Forum: Personal Investments
Topic: New Dual Physican Couple
Replies: 73
Views: 7414

Re: New Dual Physican Couple

Toasterthief wrote: Mon Aug 03, 2020 11:35 am
3funder wrote: Mon Aug 03, 2020 11:05 am Consider this one more vote for getting the match and then crushing the loans.
When you say loans, do you mean mortgage?
I mean the student loans.
by 3funder
Mon Aug 03, 2020 11:05 am
Forum: Personal Investments
Topic: New Dual Physican Couple
Replies: 73
Views: 7414

Re: New Dual Physican Couple

Consider this one more vote for getting the match and then crushing the loans.
by 3funder
Mon Aug 03, 2020 11:02 am
Forum: Investing - Theory, News & General
Topic: Value rebound soon?
Replies: 94
Views: 7548

Re: Value rebound soon?

Value is relative, but there will come a time when investors tire of paying through the nose for shares of certain companies. The market will take some sort of dive and eventually recover, as usual. It has happened a number of times in the past, and you can bet your bottom dollar that it will happen...
by 3funder
Mon Aug 03, 2020 10:58 am
Forum: Personal Investments
Topic: Total Bond Fund for Short Term Savings?
Replies: 25
Views: 2282

Re: Total Bond Fund for Short Term Savings?

RomeoMustDie wrote: Mon Aug 03, 2020 3:04 am Bonds are the highest risk asset class right now with both inflationary and interest rate risks possible within your 14 month time frame. Not worth it.
+1. I keep mine in Prime Money Market.
by 3funder
Mon Aug 03, 2020 10:55 am
Forum: Personal Investments
Topic: 100k : Need help for investing in equity funds
Replies: 16
Views: 1707

Re: 100k : Need help for investing in equity funds

000 wrote: Fri Jul 31, 2020 5:45 pm I would not use sector or style funds. It seems you are tilting to things that have done recently. There is no guarantee they will continue to do so in the future.

A US index fund + ex-US index fund will probably be adequate for an equity portfolio.
+1
by 3funder
Mon Aug 03, 2020 10:45 am
Forum: Investing - Theory, News & General
Topic: Are Financial Advisors a Complete and Total Waste of Money?
Replies: 153
Views: 9203

Re: Are Financial Advisors a Complete and Total Waste of Money?

I say yes, unless you go with a fee-only advisor who acts as a fiduciary. I don't like the AUM model of compensation.
by 3funder
Mon Aug 03, 2020 10:39 am
Forum: Personal Investments
Topic: TSP Allocation Advice @ 46
Replies: 10
Views: 1217

Re: TSP Allocation Advice @ 46

Select the appropriate L fund.
by 3funder
Mon Aug 03, 2020 10:36 am
Forum: Personal Investments
Topic: Portfolio Allocations
Replies: 12
Views: 991

Re: Portfolio Allocations

Welcome to the forum I think the onus is on you or your brother (who helped you) to explain the role of each of these funds. To me, there looks to be a lot of redundancy in your portfolio - meaning your funds mostly invest in the same companies and therefore create needless complexity. The S&P 500 ...
by 3funder
Mon Aug 03, 2020 10:33 am
Forum: Personal Investments
Topic: New Investor-Portfolio Help Appreciated
Replies: 23
Views: 1027

Re: New Investor-Portfolio Help Appreciated

pkcrafter wrote: Sun Aug 02, 2020 5:21 pm Consider all investments as parts of one single portfolio. That limits duplication and is more tax-efficient

https://www.bogleheads.org/wiki/Tax-eff ... _placement

Also, pay off the credit card ASAP.


Paul
+1
by 3funder
Mon Aug 03, 2020 10:32 am
Forum: Personal Investments
Topic: Rebalancing my portfolio, need suggestions.
Replies: 17
Views: 1025

Re: Rebalancing my portfolio, need suggestions.

Another question - do you have an employer sponsored retirement plan (such as 401k or 403b or TSP)? Yes, I have an employer sponsored plan with my new job started in January 2020 ( TSP ) which has a very low balance of 20K ( L2040 ), so I didn't include that in my Vanguard asset allocation portfoli...
by 3funder
Mon Jul 27, 2020 11:08 am
Forum: Personal Investments
Topic: What is your game plan as market is reaching its previous all time high?
Replies: 174
Views: 18605

Re: What is your game plan as market is reaching its previous all time high?

My game plan is to stick with my current game plan, as I have a long time horizon.
by 3funder
Sun Jul 26, 2020 8:39 am
Forum: Personal Investments
Topic: A low-risk idea to take advantage of low mortgage rates
Replies: 29
Views: 2615

Re: A low-risk idea to take advantage of low mortgage rates

Impatience wrote: Sat Jul 25, 2020 9:21 am Seems like a ton of work to earn a couple hundred bucks a year. Wouldn’t be worth it unless you could get like a hundred mortgages at once and really juice it up. Most arbitrages aren’t worth it without big leverage or volume.
+1
by 3funder
Wed Jul 22, 2020 9:45 am
Forum: Investing - Theory, News & General
Topic: Article claiming 401k no longer "makes sense"
Replies: 74
Views: 7946

Re: Article claiming 401k no longer "makes sense"

jason2459 wrote: Tue Jul 21, 2020 8:15 pm Saw it, read the first paragraph, and instantly thought tune out the noise and stay the course.
I will do you one better: I did not even click on the link to the article.
by 3funder
Wed Jul 22, 2020 9:42 am
Forum: Personal Investments
Topic: Thoughts: Am I too risky running a 2-fund portfolio of VTSAX VBILX?
Replies: 57
Views: 3709

Re: Thoughts: Am I too risky running a 2-fund portfolio of VTSAX VBILX?

I am your age. My asset allocation is as follows:

40% US Stocks
40% International Stocks
20% US Bonds
by 3funder
Wed Jul 22, 2020 8:25 am
Forum: Personal Consumer Issues
Topic: Moving to Baltimore area
Replies: 49
Views: 3759

Re: Moving to Baltimore area

As other posters have mentioned you have plenty of great options in the surrounding counties (howard county- columbia/ellicot city, Baltimore County, Harford county). Schools are great (in most parts) as well. Definitely not as hcol as closer to DC either +1. I have lived in the DC metro area my en...
by 3funder
Tue Jul 21, 2020 5:00 pm
Forum: Investing - Theory, News & General
Topic: What famous investing quote reminds you of your investing style?
Replies: 150
Views: 7443

Re: What famous investing quote reminds you of your investing style?

"We have suggested as a fundamental guiding rule that the investor should never have less than 25% or more than 75% of his funds in common stocks, with a consequence inverse range of 75% to 25% in bonds. There is an implication here that the standard division should be an equal one, or 50-50, betwee...
by 3funder
Sun Jul 19, 2020 9:51 am
Forum: Personal Investments
Topic: Learned I want more conservative AA - should I rebalance or gradually glide?
Replies: 11
Views: 896

Re: Learned I want more conservative AA - should I rebalance or gradually glide?

How well are you doing in terms of saving? Before you dial back your original allocation, make sure you don't need to take that level of risk.
by 3funder
Thu Jul 16, 2020 2:42 pm
Forum: Investing - Theory, News & General
Topic: Jeremy Siegel on MiB Podcast: 60/40 is risky and more
Replies: 146
Views: 17084

Re: Jeremy Siegel on MiB Podcast: 60/40 is risky and more

If you're holding bonds with a duration appropriate to your investment horizon, then you should be fine. Indeed. With 30 years to go, VBTLX works for me. Really? Last time I checked, the average yield to maturity of the Total Bond Market fund is 1.2% annual with a duration of 5.8 years. Does that w...
by 3funder
Thu Jul 16, 2020 8:22 am
Forum: Investing - Theory, News & General
Topic: Jeremy Siegel on MiB Podcast: 60/40 is risky and more
Replies: 146
Views: 17084

Re: Jeremy Siegel on MiB Podcast: 60/40 is risky and more

If inflation gets out of hand, the Fed can always reduce the money supply, shrink their balance sheet or just announce that they don't like inflation. Major central banks are, at heart, inflation hawks. Rising interest rates, or at least real rates, would be a good thing. They would most probably b...
by 3funder
Tue Jul 14, 2020 9:55 am
Forum: Investing - Theory, News & General
Topic: Jeremy Siegel on MiB Podcast: 60/40 is risky and more
Replies: 146
Views: 17084

Re: Jeremy Siegel on MiB Podcast: 60/40 is risky and more

If inflation gets out of hand, the Fed can always reduce the money supply, shrink their balance sheet or just announce that they don't like inflation. Major central banks are, at heart, inflation hawks. Rising interest rates, or at least real rates, would be a good thing. They would most probably b...
by 3funder
Tue Jul 14, 2020 9:21 am
Forum: Personal Investments
Topic: Lump Sum -or- DCA approach always petrifies me
Replies: 47
Views: 2376

Re: Lump Sum -or- DCA approach always petrifies me

For me, it depends on how much money I'm investing, what I'm investing in, and the valuations at the time.
by 3funder
Tue Jul 14, 2020 9:18 am
Forum: Personal Investments
Topic: VFSUX: A bad move?
Replies: 10
Views: 1082

Re: VFSUX: A bad move?

UpperNwGuy wrote: Mon Jul 13, 2020 9:30 pm If we're talking about 401K, why not use intermediate-term bond funds?
+1
by 3funder
Tue Jul 14, 2020 9:14 am
Forum: Personal Investments
Topic: Emerging Markets Allocation
Replies: 25
Views: 1649

Re: Emerging Markets Allocation

abuss368 wrote: Mon Jul 13, 2020 9:38 pm When I invested in international, Total International did the job. No need to overweight emerging markets.
+1
by 3funder
Wed Jul 08, 2020 10:47 am
Forum: Investing - Theory, News & General
Topic: Money markets breaking the buck
Replies: 4
Views: 1200

Re: Money markets breaking the buck

I'm not worried about this.
by 3funder
Wed Jul 08, 2020 10:46 am
Forum: Investing - Theory, News & General
Topic: You have a second chance to reduce your stock holdIng
Replies: 112
Views: 12992

Re: You have a second chance to reduce your stock holdIng

MindBogler wrote: Mon Jun 08, 2020 7:51 pm Don't make emotional decisions. Make a plan and stick to it.
+1
by 3funder
Wed Jul 08, 2020 10:44 am
Forum: Investing - Theory, News & General
Topic: Bernstein’s Deep Risk: Global Equities Hedge for Inflation
Replies: 45
Views: 4210

Re: Bernstein’s Deep Risk: Global Equities Hedge for Inflation

50/50 US/ex-US sounds pretty good to me, which is why it is my equity allocation.
by 3funder
Wed Jul 08, 2020 10:36 am
Forum: Personal Investments
Topic: Retirement plan change . . .am I about to do something stupid??
Replies: 31
Views: 4583

Re: Retirement plan change . . .thoughts, criticisms??

Congratulations on the wealth you’ve accumulated! I have a personal theory or maybe it’s a superstition that when people go to extraordinary lengths to avoid taxes that it usually works against them. My preference for you fwiw is to devote more energy into enjoying the money while you’re still yout...
by 3funder
Wed Jul 08, 2020 10:35 am
Forum: Personal Investments
Topic: Retirement plan change . . .am I about to do something stupid??
Replies: 31
Views: 4583

Re: Retirement plan change . . .thoughts, criticisms??

Congratulations on the wealth you’ve accumulated! I have a personal theory or maybe it’s a superstition that when people go to extraordinary lengths to avoid taxes that it usually works against them. My preference for you fwiw is to devote more energy into enjoying the money while you’re still yout...
by 3funder
Wed Jul 08, 2020 10:31 am
Forum: Personal Investments
Topic: Seeking advice for parents situation
Replies: 16
Views: 1701

Re: Seeking advice for parents situation

Are the rentals in NJ? If so, I'd actually consider selling the rental properties eventually within the next few years, even if they are managed by a professional management company (you didn't say). I don't know that I'd want to be an octogenarian dealing with rental properties 1,000 miles away, e...
by 3funder
Wed Jul 08, 2020 10:27 am
Forum: Personal Investments
Topic: Portfolio and Future investing plans review
Replies: 10
Views: 502

Re: Portfolio and Future investing plans review

Doesn't she have access to a 403b or 457 plan or both, where she can sock away at least another $19,500? I know her salary is only $50k, but if she can sock away $19,500 extra or better yet, $39,000 extra, you want to take advantage of it even if the expense ratios are bad. Let us assume that she d...
by 3funder
Mon Jul 06, 2020 9:30 am
Forum: Investing - Theory, News & General
Topic: "Are You Questioning Your Foreign Stock Funds?"
Replies: 55
Views: 6114

Re: "Are You Questioning Your Foreign Stock Funds?"

Peculiar_Investor wrote: Mon Jul 06, 2020 9:28 am
3funder wrote: Mon Jul 06, 2020 9:24 am What was the last book you read? Was it called My Mind?
I don't understand your question nor the book reference (cannot find it on Amazon.ca).
You read my mind (I agree with your post).
by 3funder
Mon Jul 06, 2020 9:26 am
Forum: Investing - Theory, News & General
Topic: 2 and 3 fund funders - sticking soley with Total Bond?
Replies: 49
Views: 4664

Re: 2 and 3 fund funders - sticking soley with Total Bond?

Total bond; I see no reason to change or supplement.
by 3funder
Mon Jul 06, 2020 9:24 am
Forum: Investing - Theory, News & General
Topic: "Are You Questioning Your Foreign Stock Funds?"
Replies: 55
Views: 6114

Re: "Are You Questioning Your Foreign Stock Funds?"

Bogleheads: Dan Sotiroff, a passive strategies research analyst for Morningstar, has written an insightful article about foreign stock funds with these observations and suggestions: "They've (foreign stocks) underperformed by around 6%-7% in aggregate. That's sort of just a continuing story of what...
by 3funder
Sun Jul 05, 2020 11:25 am
Forum: Personal Investments
Topic: Retire or grind it out at another job after a layoff ?
Replies: 49
Views: 5377

Re: Retire or grind it out at another job after a layoff ?

Perhaps; however, you might wish to consider working part-time (anywhere you choose) to keep busy and earn extra "pin" money. Examples of less stressful jobs might include the following: -working at a golf course -working at a library -teaching a class or two at a community college Obviously, the li...
by 3funder
Sun Jul 05, 2020 11:14 am
Forum: Personal Finance (Not Investing)
Topic: E-file but sending payment by mail
Replies: 21
Views: 821

Re: E-file but sending payment by mail

I don't see a problem with either.
by 3funder
Sun Jul 05, 2020 11:11 am
Forum: Investing - Theory, News & General
Topic: Won’t 2020-2030 Stock Returns Look Like 2009-2019?
Replies: 35
Views: 3102

Re: Won’t 2020-2030 Stock Returns Look Like 2009-2019?

Impossible to know. Stick with your plan.
by 3funder
Sun Jul 05, 2020 11:10 am
Forum: Personal Investments
Topic: Bond Alternatives in the time of Zero rates
Replies: 151
Views: 13575

Re: Bond Alternatives in the time of Zero rates

As far as I'm concerned, there are stocks and there are bonds. I'm not interested in other investment classes.
by 3funder
Sun Jul 05, 2020 11:07 am
Forum: Personal Investments
Topic: Long term bonds over total bond market?
Replies: 22
Views: 1785

Re: Long term bonds over total bond market?

Nope; I like total bond market.