Search found 36 matches

by Daedalus
Tue Dec 11, 2018 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Total Market Index or S&P500 index?
Replies: 17
Views: 2093

Re: Total Market Index or S&P500 index?

I prefer total market, but that's just my opinion. Really can't go wrong with either one. They're both good funds with mimic the overall stock market similarly.
by Daedalus
Thu Aug 02, 2018 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner investor seeking advice
Replies: 28
Views: 1823

Re: Beginner investor seeking advice

Best thing you can do when you're first "getting your feet wet" is to just simply invest. Put the money into the 401k and IRA and just keep pouring it in steadily month after month. My focus was always along the lines of: "OK get the first $10k invested, then get to $25k, then get to $50k, etc." Bef...
by Daedalus
Thu Aug 02, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing 401k funds
Replies: 6
Views: 457

Re: Choosing 401k funds

That looks like a solid plan to me. Those would likely be my 3 picks as well. I would stay away from anything with an ER close to 1% or more, that just eats away at wealth. Just adjust the percentages/ratios for the 3 funds as needed!
by Daedalus
Fri Jul 27, 2018 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my preferred investment vehicle
Replies: 8
Views: 626

Re: Thoughts on my preferred investment vehicle

I like having a balance between the tax deferred 401k and post tax Roth IRA. I use a total market fund and a 500 fund to comprise my portfolio. VTSAX has worked very well for me, anything that mimics the total market is a solid choice.
by Daedalus
Wed Jul 25, 2018 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: 28 years old and Accumulating
Replies: 13
Views: 1790

Re: 28 years old and Accumulating

Looks like you're doing awesome for your age. I'd say a little cash heavy. If you're having thoughts that you might be too cash heavy, there's probably a reason why...trust your gut, its usually right. Keep adding to the pile.
by Daedalus
Mon Jul 23, 2018 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Replicating VTSAX or VFIFX [Vanguard Total Stock or Target Retirement 2050]
Replies: 6
Views: 665

Re: Replicating VTSAX or VFIFX [Vanguard Total Stock or Target Retirement 2050]

Thanks for advice. I’m doing 100% SP500 fund for now. Just got news today we’re revamping our 401k, which will include many Vanguard funds. That's good news! I would go 100% into the 500 fund for the time being. I wish my 401k plan had a total stock market fund, but Vanguard's 500 works well for me...
by Daedalus
Sun Jul 22, 2018 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Asset Allocation
Replies: 6
Views: 534

Re: Roth IRA Asset Allocation

I'm in my 20s too. I keep everything into either total stock market or a 500 fund. Target date funds can be OK. I like to stay out of that though and control my own equity and bond funds that way I can adjust the ratio myself as needed.
by Daedalus
Sun Jul 22, 2018 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: 28yo Needs Help with 401K and Personal Investments
Replies: 19
Views: 1970

Re: 28yo Needs Help with 401K and Personal Investments

I'm 28 too. In retrospect now, I wish I hadn't of paid off my student loans as quick as I did and I wish I would have invested more money in a 401k instead. I like to keep ERs as low as possible with my funds. I keep a ratio of 100/0 in favor of equities and I sleep just fine at night. Eventually I'...
by Daedalus
Sun Jul 22, 2018 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone Else Here Trying to Max Out 401k for the 1st Time in 2018?
Replies: 35
Views: 2879

Re: Anyone Else Here Trying to Max Out 401k for the 1st Time in 2018?

Do everything you can to max out your 401k at your old employer before leaving. I mean like 80, 90% of your paycheck, then after you leave immediately transfer those funds into a self controlled IRA. Last time I left a job I presented them with the transfer papers on my final day. You don't want to...
by Daedalus
Sun Jul 22, 2018 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone Else Here Trying to Max Out 401k for the 1st Time in 2018?
Replies: 35
Views: 2879

Re: Anyone Else Here Trying to Max Out 401k for the 1st Time in 2018?

Title says it all. I've already maxed out my Roth IRA in January and am working on trying to max out my 401k as well by the end of 2018. I have never maxed out my 401k before. Just turned 28. My math works out on paper; however, I've come to appreciate the ever changing complexity of life situation...
by Daedalus
Sun Jul 22, 2018 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone Else Here Trying to Max Out 401k for the 1st Time in 2018?
Replies: 35
Views: 2879

Re: Anyone Else Here Trying to Max Out 401k for the 1st Time in 2018?

Do everything you can to max out your 401k at your old employer before leaving. I mean like 80, 90% of your paycheck, then after you leave immediately transfer those funds into a self controlled IRA. Last time I left a job I presented them with the transfer papers on my final day. You don't want to...
by Daedalus
Sun Jul 22, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone Else Here Trying to Max Out 401k for the 1st Time in 2018?
Replies: 35
Views: 2879

Re: Anyone Else Here Trying to Max Out 401k for the 1st Time in 2018?

Title says it all. I've already maxed out my Roth IRA in January and am working on trying to max out my 401k as well by the end of 2018. I have never maxed out my 401k before. Just turned 28. My math works out on paper; however, I've come to appreciate the ever changing complexity of life situation...
by Daedalus
Thu Jul 19, 2018 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone Else Here Trying to Max Out 401k for the 1st Time in 2018?
Replies: 35
Views: 2879

Re: Anyone Else Here Trying to Max Out 401k for the 1st Time in 2018?

Thanks for the responses, everyone!!! It has certainly been an interesting week. Since I've posted this a few days ago, I've had a career opportunity come up in the most ideal scenario possible. Thus adding to the craziness of my 20's! It seems things have been unexpected since I've completing gradu...
by Daedalus
Sun Jul 15, 2018 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: All-In VTSAX
Replies: 37
Views: 4405

Re: All-In VTSAX

averagedude wrote:
Sun Jul 15, 2018 3:43 pm
I wonder how many people would consider dumping VTSAX and go all in international if the 10 year returns were reversed?
Good food for thought. I suppose many of us would do some hard thinking over that matter
by Daedalus
Sun Jul 15, 2018 5:40 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 551
Views: 64434

Re: I think I hit 100k on retirement milestone?

:sharebeer :dollar :moneybag :dollar :moneybag. I maxed out my 401k from when I was 23 onward. It took 12 years, but 401k is now at $500k. It was painful at times, having roommates when I could afford to live alone, saying no to new cars, but worth it. On track to FIRE with 2% SAWR at 47, 44 if mar...
by Daedalus
Sun Jul 15, 2018 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone Else Here Trying to Max Out 401k for the 1st Time in 2018?
Replies: 35
Views: 2879

Anyone Else Here Trying to Max Out 401k for the 1st Time in 2018?

Title says it all. I've already maxed out my Roth IRA in January and am working on trying to max out my 401k as well by the end of 2018. I have never maxed out my 401k before. Just turned 28. My math works out on paper; however, I've come to appreciate the ever changing complexity of life situations...
by Daedalus
Sat Jul 07, 2018 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Should I open a Goldman sachs 1.6% savings account?
Replies: 31
Views: 3506

Re: Should I open a Goldman sachs 1.6% savings account?

I've been using Ally for savings account, they are paying 1.75% currently. I'm happy with that!
by Daedalus
Sat Jun 30, 2018 10:56 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3451
Views: 1022880

Re: What Book Are You Currently Reading? Part VI

The Okinawa Program by Willcox, Willcox, and Suzuki. It's about a 25 year medical study on long living people (over the age of 100!) in a particular region in Japan.
by Daedalus
Sat Jun 30, 2018 10:43 pm
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 112
Views: 9421

Re: What are you learning or studying?

Reading and learning about the universe, decluttering my living space, yoga, how not to kill houseplants, photography.
by Daedalus
Sat Jun 30, 2018 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Starting the "Three Fund Portfolio"
Replies: 13
Views: 3583

Re: Starting the "Three Fund Portfolio"

I like the simplicity of the 3 Fund Portfolio. No need to complicate things. I don't think anyone ever regretted investing in a 3 Fund Portfolio. Put it in, let it sit, and watch it grow!
by Daedalus
Sat Jun 30, 2018 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 10488

Re: What’s your plan for a market downturn?

Keep investing according to my personal written investment plan. Try not to worry a single bit as I will be investing at least 30 more years until "retirement". As a young investor, I perceive a downturn as a major opportunity for long term growth. Woo hoo!! Exactly!! :sharebeer Time is SOOO on you...
by Daedalus
Sat Jun 30, 2018 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 10488

Re: What’s your plan for a market downturn?

Keep investing according to my personal written investment plan. Try not to worry a single bit as I will be investing at least 30 more years until "retirement". As a young investor, I perceive a downturn as a major opportunity for long term growth.
by Daedalus
Sun Feb 04, 2018 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Advice for a Boglehead in Training
Replies: 16
Views: 1429

Re: 401k Advice for a Boglehead in Training

If you're a Boglehead in training, I would highly suggest reading "The Bogleheads' Guide to Investing" book (most recent edition). I bought a copy at a used bookstore and took some time to read and take notes. One of the best life decisions I've made in my 20's.

Keep plugging away every paycheck!
by Daedalus
Sun Feb 04, 2018 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 50610

Re: Today was a Really Bad Day

Market is still up for the year of 2018, I still have the same amount of shares as I did the previous day, they're just not quite worth as much as they were on Thursday, value will go back up eventually. Of course, I'm in my 20's so I don't have a care in the world as long as the graphs keep the lon...
by Daedalus
Fri Dec 29, 2017 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Where to start? (Personal investing)
Replies: 7
Views: 900

Re: Where to start? (Personal investing)

401k from an employer would be a good start if you're able. Next stop would be an IRA, Vanguard works great for that. My only regret is that I didn't start investing sooner. Get a plan and purchase a solid fund, you don't have to wait.
by Daedalus
Fri Dec 29, 2017 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $600-650k house?
Replies: 60
Views: 8237

Re: Can I afford a $600-650k house?

Why buy a house that expensive? Aren't there decent houses in smaller price ranges in the area? Would make life a lot less stressful I would imagine.
by Daedalus
Fri Dec 29, 2017 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: Taking the plunge into Bogle-Style Investing.
Replies: 15
Views: 1384

Re: Taking the plunge into Bogle-Style Investing.

Welcome to the community! The majority here will opt for a Vanguard IRA over Fidelity, myself including. Can't beat the low fees. I've found Vanguard's web based applications, mobile applications, and ease of use top notch. There's a treasure trove of information in the forum here, soak it all in :)
by Daedalus
Mon Dec 25, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: First time Roth
Replies: 5
Views: 717

Re: First time Roth

Retirement fund could work, personally I like having more control of how I can manage/change my asset allocation between equities and bonds. So I would opt for a total US stock market fund (many here like VTSMX/VTSAX), then consider if you would like bond funds to add in your Roth IRA. 2018 is right...
by Daedalus
Mon Dec 25, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Looking to take out Roth IRA money for house down payment.
Replies: 66
Views: 5683

Re: Looking to take out Roth IRA money for house down payment.

That's tough because you can only contribute $5,500 a year into your Roth currently. If you take out a chunk of your money from your Roth you set yourself back year(s) which might not seem like a lot right now, but in the long haul with the effects of compound interest could end up being considerabl...
by Daedalus
Sat Dec 23, 2017 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Are Roth IRAs overrated?
Replies: 88
Views: 11492

Re: Are Roth IRAs overrated?

I like my Roth IRA, knowing that everything will be growing tax free (unless laws change in the future). It complements the tax deferred 401k well. I'll keep maxing out my Roth every year that I'm able to!
by Daedalus
Sun Dec 17, 2017 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: 28 Years Old: In the current market, what % into bonds?
Replies: 56
Views: 4849

Re: 28 Years Old: In the current market, what % into bonds?

I'm 27 currently and I'm still at 100/0. I wouldn't mind adding 5-10% in bonds to my portfolio (possibly in January in my Roth IRA), just for the future ease of adjusting asset allocation. But with such a long horizon for investing, being so high in equities doesn't bother me. I don't necessarily ne...
by Daedalus
Tue Oct 24, 2017 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Funds Help (27 years old)
Replies: 15
Views: 1682

Re: 401k Funds Help (27 years old)

To be blunt, international diversification runs the full spectrum of opinions on this forum. Jack Bogle himself is not a huge fan nor advocate of international --- he waffles a bit on the issue, but I think he does not personally diversify internationally. If you were his grandson, he'd be totally ...
by Daedalus
Sat Oct 21, 2017 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Funds Help (27 years old)
Replies: 15
Views: 1682

Re: 401k Funds Help (27 years old)

Hi Daedalus, I'm 26 years old and just getting started investing as well. I'm reading a ton and learning at what feels like an exponential rate! :D Good job picking VTSAX for your IRA. Definitely keep that one going! If I were you, I'd transpose the 401k into a blend of the 500 Index Fund and the s...
by Daedalus
Sat Oct 21, 2017 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Funds Help (27 years old)
Replies: 15
Views: 1682

Re: 401k Funds Help (27 years old)

I should add that I am also single, annual gross income approximately $70k, and still have roughly $10k worth of student loans to repay. With $70K income, you could put $18K into a 401k and $3650 into a tIRA (saving 25% federal tax on the $21650 total) and $1850 into a Roth IRA. Federal income and ...
by Daedalus
Sat Oct 21, 2017 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Funds Help (27 years old)
Replies: 15
Views: 1682

Re: 401k Funds Help (27 years old)

I should add that I am also single, annual gross income approximately $70k, and still have roughly $10k worth of student loans to repay. Daedalus, welcome to the forum. VFINX could work well. See Asset allocation - Bogleheads and Three-fund portfolio - Bogleheads for more thoughts. E.g., if you want...
by Daedalus
Sat Oct 21, 2017 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Funds Help (27 years old)
Replies: 15
Views: 1682

401k Funds Help (27 years old)

Hey group, I'm new to posting on the forum here. I'm 27 years old and have been following the boglelhead community for the past several months. I'm a firm believer that in order to be successful at anything, you must surround yourself with others on the same mission, so that's why I'm here! I'm curr...