Search found 84 matches

by boglewill34
Thu Aug 30, 2018 10:44 am
Forum: Investing - Theory, News & General
Topic: Take your canes out in Emerging Markets
Replies: 39
Views: 7526

Re: Take your canes out in Emerging Markets

Happily, I just increased my automated buys (raises) and will execute a buy of more SFENX today (Schwab emerging). It's been down quite a bit all year thus far.
by boglewill34
Thu Jun 28, 2018 2:41 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets in Bear Territory
Replies: 65
Views: 9256

Re: Emerging Markets in Bear Territory

niceguy7376 wrote:
Thu Jun 28, 2018 12:43 pm
What are some fund names at VG and Fido for this EM?
Not these two, but at Schwab I hold SFENX.
by boglewill34
Wed Jun 27, 2018 8:04 am
Forum: Investing - Theory, News & General
Topic: Waiting for a market drop?
Replies: 17
Views: 2482

Re: Waiting for a market drop?

It took me a while to learn about opportunity cost. It is very easy to miss out on gains greater in magnitude than the next drop. Now my investment money is always invested in the market automatically as I earn it or as it lands in my bank account. Every day is the right day. +1 I am often thrilled...
by boglewill34
Tue Jun 19, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on only putting money into a 457 and 403(b). Does anyone do it?
Replies: 18
Views: 866

Re: Thoughts on only putting money into a 457 and 403(b). Does anyone do it?

A thing to keep in mind about a Roth 457 option, at least in my 457 plan the Roth is subject to RMDs, unlike private 457s. That could come into play in that decision.
by boglewill34
Thu Jun 07, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Help me pick my vanguard investment
Replies: 39
Views: 2034

Re: Help me pick my vanguard investment

detroitdiablo wrote:
Thu Jun 07, 2018 12:42 pm
Is going all in on small or mid a terrible idea? Is it worth the risk?
It's a bad enough idea that I would never do it.

I hold the equivalent of what David Jay indicated in his first post well above.
by boglewill34
Thu Jun 07, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Help me pick my vanguard investment
Replies: 39
Views: 2034

Re: Help me pick my vanguard investment

So what is an aggressive portfolio using a combination of only these 4 funds? Diversified yet high risk vs. safe You're kind of asking for diametrically opposing things, with "diversified yet high risk." The foreign fund has a huge large cap growth tilt, so it's not high risk. Among all, the highes...
by boglewill34
Thu Jun 07, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Help me pick my vanguard investment
Replies: 39
Views: 2034

Re: Help me pick my vanguard investment

So what is an aggressive portfolio using a combination of only these 4 funds? Diversified yet high risk vs. safe You're kind of asking for diametrically opposing things, with "diversified yet high risk." The foreign fund has a huge large cap growth tilt, so it's not high risk. Among all, the highes...
by boglewill34
Wed Jun 06, 2018 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock Index Fund vs SP 500
Replies: 38
Views: 7069

Re: Total Stock Index Fund vs SP 500

So for me the question is: for example in a taxable account, can TSM rebalance more tax efficiently than an individual can? At least, on a sector-weighted basis? And would that efficiency hold true among providers other than VG where they don't have the secret tax fund/etf swap sauce?
by boglewill34
Wed Jun 06, 2018 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio assessment, beyond the target funds?
Replies: 8
Views: 598

Re: Portfolio assessment, beyond the target funds?

Large cap: 25% Vanguard Institutional Index Fund Institutional Plus (VIIIX) 0.02 12% Vanguard Total Stock Market Index Fund Institutional (VITSX) 0.035 5% Vanguard Primecap (VPMCX) 0.32 Mid/small cap: 10% Fidelity Extended Market index fund investor class (FSEMX) 0.1 International: 20% Fidelity Int...
by boglewill34
Tue Jun 05, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: SCHX vx SCHB
Replies: 13
Views: 1318

Re: SCHX vx SCHB

Creditcardguy wrote:
Tue Jun 05, 2018 2:59 pm
Newbie question. Why would SCHB not be available? I'm planning on rolling my IRA from EJ shortly and that's a big part of it. :shock:
Not available, in what way? I can place an order for it right now in my Schwab account if I desire.
by boglewill34
Tue Jun 05, 2018 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: SCHX vx SCHB
Replies: 13
Views: 1318

Re: SCHX vx SCHB

For kicks, I looked at the style boxes for the funds mentioned in this thread.

SCHX
27...29...30
05...05...04
00...00...00

SCHB
24...26...26
06...06...06
02...02...02

SCHK
26...28...29
06...06...05
00...00...00

SCHB could nearly be a one and done solution for all domestic.
by boglewill34
Tue Jun 05, 2018 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: NYS 457
Replies: 9
Views: 901

Re: NYS 457

I goofed in calling the Nysdcb russell 2500 index unitized act a small cap fund. Thanks for the catch boglewill34 . It is a good completion fund with the Nysdcb equity index unitized act fund, and using a 4 to 1 ratio would be OK I think. Close enough. Yeah, I think even NYSDCP calls the fund Mid o...
by boglewill34
Tue Jun 05, 2018 8:18 am
Forum: Investing - Help with Personal Investments
Topic: NYS 457
Replies: 9
Views: 901

Re: NYS 457

Sorry for leaving out so many details. I currently have 175K in my NYS deferred comp plan and contribute 15% yearly. I hope to retire around the age of 50 which would give me another 10-15 years of contributions and then not taking any money out until around the age of 60 or older. Currently my con...
by boglewill34
Mon Jun 04, 2018 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Need some direction: 5K payout in July....towards loans or Roth?
Replies: 18
Views: 1112

Re: Need some direction: 5K payout in July....towards loans or Roth?

delamer wrote:
Sun Jun 03, 2018 12:40 pm
Pay off the 2 highest interest rate loans and then add the remainder to your energency fund.

With one income and a couple of kids, you need more emergency savings.
This is exactly what I would do.
by boglewill34
Wed May 23, 2018 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Short term bonds funds or CD Laddering for down payment house savings?
Replies: 6
Views: 914

Re: Short term bonds funds or CD Laddering for down payment house savings?

I wouldn't use a bond fund for a known short term liability. You don't know the velocity and direction of interest rates when your withdrawal date comes, so there is a chance your principal will be negatively impacted. I know rate and term risk exists even in fixed principal instruments, but for me ...
by boglewill34
Wed May 23, 2018 8:23 am
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 138
Views: 13363

Re: US T bills - first time user

I'm also looking to enter this market and have never bought anything but mutual funds and I-bonds. Is there any advantage to Schwab over Treasury Direct for T-bills? I already have both a Treasury Direct account and never been used* Schwab brokerage account. I'm in the process of phasing out saving...
by boglewill34
Fri May 18, 2018 9:59 am
Forum: Investing - Help with Personal Investments
Topic: How can I clear $40-60,000/yr with $1,000,000 cash... Low Risk?
Replies: 71
Views: 11437

Re: How can I clear $40-60,000/yr with $1,000,000 cash... Low Risk?

Excellent troll, OP. I don't think so. He seems earnest. There are lots of threads where people believe that they can achieve the unlikely or the impossible if only they find the right advisor or newsletter, or mutual fund, and that is on Bogleheads! You know, the ones who have a strategy: buy low,...
by boglewill34
Wed May 16, 2018 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do to lower our oversized emergency fund?
Replies: 35
Views: 3777

Re: What would you do to lower our oversized emergency fund?

Actuarial Funded ratios is 96.7%. https://www.nystrs.org/About-Us/Press-Room/NYSTRS-by-the-Numbers NYSTRS is known to be, even among the NYS system, a very well run pension system. NYS pension is (state) constitutionally protected, and we just last year voted down a once-in-20yr possibility of a co...
by boglewill34
Fri May 11, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: Bond Fund Point of Indifference vs. Principle Recovery
Replies: 57
Views: 5583

Re: Bond Fund Point of Indifference vs. Principle Recovery

What I'm slowly starting to conclude is that for more or less unknown time horizon for redemption, such as in a large and growing accumulation of funds in a worker's retirement account, bond funds, especially in a rising rate environment, look like a suitably good buy. You wouldn't differentiate be...
by boglewill34
Fri May 11, 2018 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do to lower our oversized emergency fund?
Replies: 35
Views: 3777

Re: What would you do to lower our oversized emergency fund?

We already max our 403b's, Roth's and partially max our 457. We have capability of around 72 of tax deferred space per year. Currently we max our NY 457 plans and probably less than half of our 403b. There's conflicting logic in this statement, hard to parse what's meant. I'd definitely max out ALL...
by boglewill34
Fri May 11, 2018 11:23 am
Forum: Investing - Theory, News & General
Topic: Bond Fund Point of Indifference vs. Principle Recovery
Replies: 57
Views: 5583

Re: Bond Fund Point of Indifference vs. Principle Recovery

Seems to me that a retiree should not own bond funds--at least in a rising market. He/she may "need" to take redemptions prior to the point of indifference and thereby realize losses. But, if he/she only holds individual bonds he/she has a clear choice to delay redemptions until maturity and avoid ...
by boglewill34
Mon May 07, 2018 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Funds for a down payment on house
Replies: 8
Views: 1125

Re: Funds for a down payment on house

5 year treasury note is currently paying 2.75%. If you aren't likely to have FOMO if rates go up and don't want to fiddle with a ladder, that seems like a good parking spot.
by boglewill34
Tue May 01, 2018 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Savings bond Wizard says Rate N/A for I bonds
Replies: 19
Views: 2219

Re: Savings bond Wizard says Rate N/A for I bonds

**Maybe** it's because there will be a rate refresh posted this morning for the I series...(?)
by boglewill34
Mon Apr 30, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: 6 month T-bills are at 1.99%
Replies: 55
Views: 6125

Re: 6 month T-bills are at 1.99%

I clicked around in my Schwab account and see that tomorrow's 4 week auction is posted now, so at least I understand it somewhat now. I wanted to begin by buying $200 at a time for now of 13 week bills on an irregular basis, to offset a future 0% interest credit card payoff. Lots smaller than $1000 ...
by boglewill34
Mon Apr 30, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: 6 month T-bills are at 1.99%
Replies: 55
Views: 6125

Re: 6 month T-bills are at 1.99%

Motivated me to set up a TD account today!
by boglewill34
Wed Apr 25, 2018 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Anyone invest in I Bonds and why?
Replies: 44
Views: 6618

Re: Anyone invest in I Bonds and why?

I'll basically be railroaded into getting a tax refund for 5 or so years starting in 2021. I'll dump that into i-bonds and probably pare down my FI allocation elsewhere to match. Another benefit of ibonds is that you can redeem them tax free for qualified education expenses, subject to income limits.
by boglewill34
Tue Apr 24, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Is mid/small cap necessary
Replies: 15
Views: 3777

Re: Is mid/small cap necessary

For some it may simply come down to whether you have a good choice for mid/small within your fund choices. In my 457b I have a Russell 2500 fund that is of a similarly very low ER to the S&P500 fund, so I've chosen to buy both at overall market weighting. If this fund were expensive, I'd likely skip...
by boglewill34
Fri Apr 20, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Guaranty appraisal on real estate. Good idea? This must be a bubble?
Replies: 21
Views: 1670

Re: Guaranty appraisal on real estate. Good idea? This must be a bubble?

+1 on very few houses for sale vs demand.

Neighbor was FSBO with a sign out for 3 hours and the house sold at full list. Neighbor across the street actually got cold solicited by a buyer, guy wasn't selling the house but I guess the offered price was enough that he moved 3 weeks later.
by boglewill34
Tue Apr 17, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Overall Help w/ Budget
Replies: 15
Views: 1749

Re: Overall Help w/ Budget

It looks like a lot of the extra will go away with the additional child care costs in December? If that's not the case or all that much of a concern, I think I'd take a two-pronged approach of increasing my emergency fund AND paying down the mortgage quicker to eliminate the PMI and get more equity....
by boglewill34
Wed Apr 11, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: High-yield Savings
Replies: 31
Views: 4589

Re: High-yield Savings

You have to pay taxes at least by 30 years, so it may not be as attractive if you will still be working in 30 years. Otherwise you pay tax on interest on whatever you redeem; I think it has a $25 minimum redemption. I have heard there is a way to pay tax on interest annually without redemption, but...
by boglewill34
Wed Apr 11, 2018 9:05 am
Forum: Personal Finance (Not Investing)
Topic: High-yield Savings
Replies: 31
Views: 4589

Re: High-yield Savings

the best saving account still fall short of I-bonds at US Treasury direct. I-bonds is paying 2.48% state tax free federal tax deferred until sell Correct if wrong, from my reading I-bonds won't let you redeem for a year from purchase? And then the federal tax deferral is an all or nothing propositi...
by boglewill34
Wed Apr 11, 2018 8:04 am
Forum: Investing - Help with Personal Investments
Topic: NY (HCOL area) - 32(Him) and 31(Her) - Invest in 457 for "early" retirement?
Replies: 12
Views: 1385

Re: NY (HCOL area) - 32(Him) and 31(Her) - Invest in 457 for "early" retirement?

I won't comment on 403b vs 457, I haven't looked at 403b. NYS DCP has fixed admin costs of $20/year (2 installments), and 4 bps on accounts $20k-200k, so costs min to max are $20-100 per year depending on portfolio size. I'm a little disappointed in the ERs of the international and emerging, so we h...
by boglewill34
Tue Apr 10, 2018 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: NY (HCOL area) - 32(Him) and 31(Her) - Invest in 457 for "early" retirement?
Replies: 12
Views: 1385

Re: NY (HCOL area) - 32(Him) and 31(Her) - Invest in 457 for "early" retirement?

Just a very quick google search indicated that you may be able to contribute to both the 403b and the 457 to the maximum, the 457 I think is $18,500 for this year per person. Our (I'm in NYSDC/457 as well) plan provides a Roth 457 option as well, same limits, but unlike a "normal" Roth there are RMD...
by boglewill34
Fri Mar 30, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: Tax Advantaged Investment Calculator
Replies: 19
Views: 1095

Re: Tax Advantaged Investment Calculator

Roth 401K is a very bad idea. KlangFool I wonder what you think of my situation, which is that I'm at a zero current effective tax rate due to past normal operating losses. The losses will cover income for the next 5-6 years or so. So for me, paying into Roth vs tax deferred doesn't come down to th...
by boglewill34
Wed Mar 28, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 16574

Re: Healthy eaters -- is this grocery budget normal to you?

One way my family has cut grocery costs a bit is referencing the "Dirty Dozen" and "Clean 15" lists. They outline which fruits & veggies are exposed to the most and least pesticides based on findings from the USDA. We buy organic any items found on the Dirty Dozen and non-organic of the items on Cl...
by boglewill34
Fri Mar 16, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: At what point does it make sense to pay down your mortgage?
Replies: 76
Views: 9258

Re: At what point does it make sense to pay down your mortgage?

So, correct me if I'm wrong here. I've kept thinking something is wrong with viewing mortgage interest and investable interest as the same thing, just inverted. The reason is that investing gets compounded into infinity, where the mortgage compounds backwards for a fixed term. To put math to it, co...
by boglewill34
Fri Mar 16, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: At what point does it make sense to pay down your mortgage?
Replies: 76
Views: 9258

Re: At what point does it make sense to pay down your mortgage?

So, correct me if I'm wrong here. I've kept thinking something is wrong with viewing mortgage interest and investable interest as the same thing, just inverted. The reason is that investing gets compounded into infinity, where the mortgage compounds backwards for a fixed term. To put math to it, con...
by boglewill34
Thu Mar 15, 2018 10:44 am
Forum: Investing - Theory, News & General
Topic: Vanguard's New Podcast Series
Replies: 19
Views: 3373

Re: Vanguard's New Podcast Series

Very nice! I've subscribed and it'll be in my listening rotation.
by boglewill34
Tue Mar 13, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Need help on car decision: Honda CRV vs luxury car used
Replies: 68
Views: 6753

Re: Need help on car decision: Honda CRV vs luxury car used

+another on avoiding a used European luxury car, get the Honda. You will find a death of a thousand cuts with even a good Euro car, stuff like window motors going dead, windows off tracks, sunroof getting stuck, interior trim degrading, etc. You should find no such problems on the Honda, and major s...
by boglewill34
Tue Mar 13, 2018 10:20 am
Forum: Investing - Theory, News & General
Topic: no bonds in roth?
Replies: 34
Views: 5600

Re: no bonds in roth?

[...] The best way to avoid this is to calculate your asset allocation on a tax-adjusted basis, in which case it won't matter where you hold your bonds when it comes time to calculate your asset allocation. If you're not going to calculate your asset-allocation on a tax-adjusted basis, the best way...
by boglewill34
Thu Mar 08, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 179
Views: 20681

Re: What was your % pay raise?

State service, I'll get a 2% COL in a few weeks in April, then a 2% step within grade in October. All will go to a Roth.
by boglewill34
Thu Mar 08, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: REITS and Swedroe
Replies: 71
Views: 8322

Re: REITS and Swedroe

I've seen it posted before, but I think a sane way to look at REITS vis a vis a portfolio is to include real estate we already have, our homes, and whether and to what extent it is already leveraged. Most people are already pretty yoked to real estate and the risks thereof, so adding more via REITS...
by boglewill34
Thu Mar 08, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: REITS and Swedroe
Replies: 71
Views: 8322

Re: REITS and Swedroe

I've seen it posted before, but I think a sane way to look at REITS vis a vis a portfolio is to include real estate we already have, our homes, and whether and to what extent it is already leveraged. Most people are already pretty yoked to real estate and the risks thereof, so adding more via REITS ...
by boglewill34
Sat Mar 03, 2018 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: What will you do with your tax refund?
Replies: 87
Views: 6914

Re: What will you do with your tax refund?

Bwlonge wrote:
Fri Jan 26, 2018 11:27 am
Alternatively, how much do you have to owe before they charge you an underpayment fee?
You have to be within 90% of last year’s total tax with this year’s withholding and/or estimated tax payment to not pay a penalty. It’s commonly called ‘safe harbor.’
by boglewill34
Tue Feb 13, 2018 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage recommendation
Replies: 11
Views: 1128

Re: Brokerage recommendation

Schwab: I only have one ETF I buy there. The pages are easy to work with, the physical location worked when they had to verify my wife's identy. Web page is easy to work with. Transfers of money are super fast (I find it to be same day in or out). Zero complaints. Again, I don't go doing silly thin...
by boglewill34
Tue Feb 13, 2018 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Are these fees for real?
Replies: 25
Views: 2784

Re: Are these fees for real?

Why so many funds? I guess that makes it look like the advisor is doing something worth paying for. Look to see if the 5% surrender fee declines over time. Maybe ask the advisor what the total fees would be for moving everything now. At least stop putting new money in or reinvesting dividends. My w...
by boglewill34
Fri Feb 09, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.80%]
Replies: 246
Views: 42662

Re: Ally online savings now at 1.45%

They may also be getting pushed by mutual fund money markets finally. Vanguard Prime is 1.45% as well, perhaps not a coincidence? I've been looking at Schwab Prime Money currently at 1.29%. Question with money funds is, is there a tax reporting difference between them and traditional savings? I ask...
by boglewill34
Thu Feb 08, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 16405

Re: Financial Hole

Yeah, we were in a similar circumstance and thought things were bad. Still had cable, still had the newer truck, still paid on the CC bills, still shopped at the high dollar grocery stores, etc. Then things changed. They turned really worse. Got rid of the monthly paid entertainment, sold all the st...
by boglewill34
Tue Feb 06, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Make $90k, pay no Federal Income Tax in 2018? Check / critique this scenario.
Replies: 76
Views: 13248

Re: Make $90k, pay no Federal Income Tax in 2018? Check / critique this scenario.

This is what gets me. Here we have OP making 50% more than me going to pay $0 in federal income tax while I'm paying $142.51 per paycheck ($3,420.24/year)? $63,500 Salary $24,000 Standard deduction $3,600 Traditional 401k contribution $11,000 Roth IRA contribution (self and wife) $0 Traditional IRA...
by boglewill34
Thu Feb 01, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Quit jobs to gain lower EFC [Expected Family Contribution]
Replies: 111
Views: 10362

Re: Quit jobs to gain lower EFC

Not sure if the questions are rhetorical but if not: Senior: GPA: 4.79/5.0 and 3.98/4.0. Act score of 35. 1 AP soph year, 2 AP and 1 Uconn class junior year, 3 AP Aa nd 2 Uconn classes this year. Engineering 3 years as electives. Commended student for psat. Applying to Uconn, Northeastern, Carnegie...