Search found 139 matches

by RamblinDoc
Mon Oct 22, 2018 1:02 am
Forum: Personal Finance (Not Investing)
Topic: 1099 for Solo 401k
Replies: 5
Views: 434

1099 for Solo 401k

I will be doing some recurrent contract work starting next year (locums) and would like to set up a Solo 401k to increase my tax-advantage balances. This will be paid as a 1099 to me. I currently max my current job's 401K (and my/souse Roth IRA). Therefore, I understand that the Solo 401K contributi...
by RamblinDoc
Mon Sep 10, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6667

Re: Hurricane Florence - survival guide

If you use your generator, remove the spark plug from your lawn mower. Thieves stole my neighbor’s generator after a hurricane when I lived near the Gulf. They broke into his shed, moved the mower next to the generator and turned it on. Then they turned the generator off and stole it. The owners did...
by RamblinDoc
Thu Sep 06, 2018 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Any experience with Realty Mogul or Fundrise?
Replies: 8
Views: 1472

Re: Any experience with Realty Mogul or Fundrise?

I started with Fundrise less than a month ago (eREIT product, growth portfolio). My target is more access to real estate investment return similar to owning rentals without having to get into the rental business. I'm starting with a small monthly allocation for now just to see how it works out (~5%...
by RamblinDoc
Sun Sep 02, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Any experience with Realty Mogul or Fundrise?
Replies: 8
Views: 1472

Re: Any experience with Realty Mogul or Fundrise?

I started with Fundrise less than a month ago (eREIT product, growth portfolio). My target is more access to real estate investment return similar to owning rentals without having to get into the rental business. I'm starting with a small monthly allocation for now just to see how it works out (~5%...
by RamblinDoc
Thu Jul 12, 2018 3:36 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 18485

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads Breakdown

Being Boglehead
by RamblinDoc
Thu Jul 12, 2018 1:34 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 18485

Re: COMING SOON: BOGLEHEADS PODCASTS

Rick Ferri wrote:
Thu Jul 12, 2018 12:05 pm
What do you think about calling the podcast “Bogle’s Folly”

Comments?
Do you mean it in a playful or foolish way?

Perhaps: “Bogle’s Black Box” or Bogleheads’ Black Box
by RamblinDoc
Wed Jul 04, 2018 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Skillful at saving but not investing
Replies: 37
Views: 3941

Re: Know how to save. No clue how to invest.

Welcome!

I suspect you will get much better advice if you let us know more about your situation.

Please follow the instructions on posting portfolios here: viewtopic.php?f=1&t=6212
by RamblinDoc
Tue Jun 26, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: Still re-balance in TSP/401k if it is split between traditional and Roth?
Replies: 19
Views: 1195

Re: Still re-balance in TSP/401k if it is split between traditional and Roth?

However, I couldn't make my mind up to go 100% Roth TSP (part of me enjoyed the tax benefits now to free up money to go into a taxable account). So I settled for 50:50 Roth:Traditional in the TSP. Now, I only feel half as bad when I think about the negative consequences of each option! :D I think y...
by RamblinDoc
Mon Jun 25, 2018 9:13 pm
Forum: Investing - Theory, News & General
Topic: Still re-balance in TSP/401k if it is split between traditional and Roth?
Replies: 19
Views: 1195

Re: Still re-balance in TSP/401k if it is split between traditional and Roth?

What is your marginal/highest tax rate? If you want to be 70/30, then I would make your mix 70/30 in the TSP/401k. If you change jobs you can roll your 401k to a Rollover IRA (pre-tax part) and to your Roth IRA (Roth part). Until then, I don't think it is worth it to try to bucket inside your 401k....
by RamblinDoc
Mon Jun 25, 2018 9:08 pm
Forum: Investing - Theory, News & General
Topic: Still re-balance in TSP/401k if it is split between traditional and Roth?
Replies: 19
Views: 1195

Re: Still re-balance in TSP/401k if it is split between traditional and Roth?

There is one school of thought that people with a pension should choose more Roth. Have you seen that? https://thefinancebuff.com/most-tsp-participiants-should-switch-to-the-roth-tsp.html Thanks! I've seen that - that is why I started adding to the Roth TSP. However, I couldn't make my mind up to g...
by RamblinDoc
Mon Jun 25, 2018 9:05 pm
Forum: Investing - Theory, News & General
Topic: Still re-balance in TSP/401k if it is split between traditional and Roth?
Replies: 19
Views: 1195

Re: Still re-balance in TSP/401k if it is split between traditional and Roth?

What is your marginal/highest tax rate? If you want to be 70/30, then I would make your mix 70/30 in the TSP/401k. If you change jobs you can roll your 401k to a Rollover IRA (pre-tax part) and to your Roth IRA (Roth part). Until then, I don't think it is worth it to try to bucket inside your 401k....
by RamblinDoc
Mon Jun 25, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: Still re-balance in TSP/401k if it is split between traditional and Roth?
Replies: 19
Views: 1195

Re: Still re-balance in TSP/401k if it is split between traditional and Roth?

Regarding the new TSP Modernization Act - do you know if we can take the traditional portion and convert to a Roth IRA but keep the Roth TSP portion? I think once the changes are implemented, you'll be able to make a withdrawal (specifying that it comes entirely out of your traditional balance), ro...
by RamblinDoc
Mon Jun 25, 2018 6:53 pm
Forum: Investing - Theory, News & General
Topic: Still re-balance in TSP/401k if it is split between traditional and Roth?
Replies: 19
Views: 1195

Re: Still re-balance in TSP/401k if it is split between traditional and Roth?

Thankfully the TSP Modernization Act means that in 2019 we'll be able to make withdrawals while specifying whether they come out of traditional, Roth, or both. That is awesome! It was my fear that I wouldn't be able to specify withdrawals from either the traditional or Roth separately. The current ...
by RamblinDoc
Mon Jun 25, 2018 2:02 am
Forum: Investing - Theory, News & General
Topic: Still re-balance in TSP/401k if it is split between traditional and Roth?
Replies: 19
Views: 1195

Still re-balance in TSP/401k if it is split between traditional and Roth?

General question - I'm probably making this more complicated that it is worth and need re-direction. The general advice is to usually use your 401k (or TSP if in federal government) to re-balance. That makes sense - it is tax-deferred and likely holds bonds and equities. While Roth IRA generally is ...
by RamblinDoc
Sun Jun 17, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 59
Views: 5830

Re: What are your hobbies?

- Reading (news, finance, history and medicine)
- Hiking, camping and fishing
- Running and lifting weights
- Gardening
- Traveling
- Cooking
- Eating
- Smoking meat
- Music
- Learning new skills
- Being in the sunshine
- Being around people who enjoy life and have similar interests
by RamblinDoc
Sat Jun 16, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Multi-year Service Agreement - take it now or later?
Replies: 4
Views: 502

Re: Multi-year Service Agreement - take it now or later?

Thanks, Nords! I always appreciate your insight. As a side note, you were one of the people who gave me the best advice - don't buy a home in the military. That put me at peace and gave me a different perspective on my 'numbers' - now we are aggressively building our diversified nest egg instead. T...
by RamblinDoc
Sat Jun 16, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Multi-year Service Agreement - take it now or later?
Replies: 4
Views: 502

Re: Multi-year Service Agreement - take it now or later?

Well, one way would be to opt in to the Blended Retirement System now, so that your DoD matching TSP contributions will compound faster than the portion of the High Three pension you'll give up. If you're already opted in to the BRS then you could serve concurrent obligations by signing up for the ...
by RamblinDoc
Fri Jun 15, 2018 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Multi-year Service Agreement - take it now or later?
Replies: 4
Views: 502

Multi-year Service Agreement - take it now or later?

My military obligation will put me at 17 years (~9 years from now). I know I will stay in for 20 to retire with a pension. Therefore, I will sign a three year service agreement at some point. It is not an insignificant agreement - around 30k per year for three years if I’m not mistaken for my specia...
by RamblinDoc
Sun Jun 03, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: To be or not to be complex, that is the question
Replies: 146
Views: 13161

Re: To be or not to be complex, that is the question

To some extent, ‘simplicity’ and ‘complexity’ are relative. For example, I have a 3-fund core portfolio with SCV and REIT tilts. I consider this “simple” since my tilts will always be weighted according to my IPS. I won’t deviate from that and only rebalance when my pre-defined thresholds are met (...
by RamblinDoc
Sun Jun 03, 2018 12:45 pm
Forum: Investing - Theory, News & General
Topic: To be or not to be complex, that is the question
Replies: 146
Views: 13161

Re: To be or not to be complex, that is the question

To some extent, ‘simplicity’ and ‘complexity’ are relative. For example, I have a 3-fund core portfolio with SCV and REIT tilts. I consider this “simple” since my tilts will always be weighted according to my IPS. I won’t deviate from that and only rebalance when my pre-defined thresholds are met (a...
by RamblinDoc
Fri May 25, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: Rowing machine
Replies: 32
Views: 2786

Re: Rowing machine

Concept 2

Anything less and you will regret it.
by RamblinDoc
Sat May 05, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: What do you pay baby sitters?
Replies: 53
Views: 5540

Re: What do you pay baby sitters?

whodidntante wrote:
Sat May 05, 2018 4:20 pm
Children have a serious expense ratio.
...and horrible front and back-loaded fees (birth and college/wedding respectively)!
by RamblinDoc
Fri Apr 27, 2018 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: New portfolio advice
Replies: 12
Views: 1054

Re: New portfolio advice

People have different opinions about allocation, however 10% fixed income may be a bit low for someone approaching 40 years of age. To each their own. Will you stress out and deviate from your plan if the equity portion of your portfolio drops substantially? If so, I'd adjust the ratio a bit. If no...
by RamblinDoc
Fri Apr 27, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: New portfolio advice
Replies: 12
Views: 1054

Re: New portfolio advice

MexiPino, Do you have access to a 401k type plan or something that matches contributions at work? If so, you may consider a funding priority: https://www.bogleheads.org/wiki/Prioritizing_investments Be aware, you are capped at $5,500 to all of your IRAs combined. Many would argue that a Roth IRA is ...
by RamblinDoc
Fri Apr 20, 2018 11:45 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 35306

Re: KF's simple rules to achieve FI

KlangFool wrote:
Fri Apr 20, 2018 5:01 pm

Rule #6
Invest using all-in-one funds such as lifestrategy or target retirement fund. Do not go into slice and dice until your portfolio is 6 figures or bigger.

Why wait until your portfolio is 6+ figures before breaking out of all-in-one funds?
by RamblinDoc
Thu Apr 19, 2018 8:11 am
Forum: Investing - Theory, News & General
Topic: Dramatic decline in VTSMX small cap holdings?
Replies: 7
Views: 1222

Re: Dramatic decline in VTSMX small cap holdings?

Supposedly, Morningstar changed their definition on what a small cap is.

Similar question about a ‘small cap’ fund here:
viewtopic.php?f=10&t=247099&p=3886549#p3881235

I don’t think the fund changed per se, but curious what others think.
by RamblinDoc
Tue Apr 17, 2018 11:19 pm
Forum: Investing - Theory, News & General
Topic: NAESX - is not really Small Cap?! [Vanguard Small-Cap Index]
Replies: 41
Views: 4241

Re: NAESX - is not really Small Cap?!

If your Small-Cap fund or ETF has a bunch of Mid-Caps in it, no reason to panic. Those of you who believe in factor tilting, Mid-Caps give you most of the returns of Small-Caps with less volatility. Some people, Mel Lindauer included, believe that Mid-Caps are the "Sweet Spot" of the stock market. ...
by RamblinDoc
Tue Apr 17, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - doing the 3-funds with a tilt
Replies: 16
Views: 1441

Re: Portfolio review - doing the 3-funds with a tilt

I'm not a fan of REITs at this point in time. One has to be careful of "skating to where the puck was" and following the advice of old books. I don't think owning REITs will kill your portfolio here, but I'm still sticking to my opinion. For tilts, I like the simplified ultimate buy-and-hold nowada...
by RamblinDoc
Tue Apr 17, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - doing the 3-funds with a tilt
Replies: 16
Views: 1441

Re: Portfolio review - doing the 3-funds with a tilt

Good question - as a side note, I've often wondered if some military members say they are "from" a state with no state income tax while they are in the military... Who knows... I'm very very familiar with one family that did that. So you have Texas plates on your car? :) On one of them. :D livesoft...
by RamblinDoc
Tue Apr 17, 2018 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - doing the 3-funds with a tilt
Replies: 16
Views: 1441

Re: Portfolio review - doing the 3-funds with a tilt

Good question - as a side note, I've often wondered if some military members say they are "from" a state with no state income tax while they are in the military... Who knows... I'm very very familiar with one family that did that. So you have Texas plates on your car? :) On one of them. :D
by RamblinDoc
Tue Apr 17, 2018 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - doing the 3-funds with a tilt
Replies: 16
Views: 1441

Re: Portfolio review - doing the 3-funds with a tilt

I'm puzzled by the VHCOL and Texas residency thing. I'm quite familiar with Texas and for the life of me I cannot come up with any VHCOL place in Texas. I am aware of more expensive places to live in the Houston, Dallas, Austin, and San Antonio areas, but they are all cheap compared to San Francisc...
by RamblinDoc
Tue Apr 17, 2018 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - doing the 3-funds with a tilt
Replies: 16
Views: 1441

Re: Portfolio review - doing the 3-funds with a tilt

Given that you are both medical professionals keep in mind that in 2018 for MFJ the Roth phase-out starts at $189,000 and you are ineligible to contribute at $199,000 adjusted gross income. Thank you KlingKlang, I wish I was in that range! Currently, I'm the only one who has a paycheck. However, wh...
by RamblinDoc
Tue Apr 17, 2018 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - doing the 3-funds with a tilt
Replies: 16
Views: 1441

Re: Portfolio review - doing the 3-funds with a tilt

Here's another way which may or may not work for you. We hold G, C, and S (4:1 ratio for C:S) in TSP, International index in my Roth and Domestic Index in his Roth. If our stock bond ratio ever gets out of whack I can rebalance in TSP. But it's only happened once in the last two years even with all...
by RamblinDoc
Tue Apr 17, 2018 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - doing the 3-funds with a tilt
Replies: 16
Views: 1441

Re: Portfolio review - doing the 3-funds with a tilt

I like your plan. I don't do tilts, but yours seem fine (REIT, Small Cap) 1. Do 100% pre-tax to your Thrift. There are some good current threads on this topic. Unless you are in a very small fringe case (very low income or very, very high income), defer tax to down the road. Invest more now and let...
by RamblinDoc
Tue Apr 17, 2018 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - doing the 3-funds with a tilt
Replies: 16
Views: 1441

Re: Portfolio review - doing the 3-funds with a tilt

Given that you are both medical professionals keep in mind that in 2018 for MFJ the Roth phase-out starts at $189,000 and you are ineligible to contribute at $199,000 adjusted gross income. Thank you KlingKlang, I wish I was in that range! Currently, I'm the only one who has a paycheck. However, wh...
by RamblinDoc
Tue Apr 17, 2018 2:47 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - doing the 3-funds with a tilt
Replies: 16
Views: 1441

Portfolio review - doing the 3-funds with a tilt

Thank you for your insight ahead of time. My spouse and I have learned so much with this group over the past few months. Our ignorance, single income with kids and VHCOL life during medical training put us behind and we are motivated to remedy this. We feel like we are starting to get things in orde...
by RamblinDoc
Tue Apr 17, 2018 12:02 am
Forum: Investing - Help with Personal Investments
Topic: TSP Allocation
Replies: 14
Views: 1715

Re: TSP Allocation

You can even split the TSP into Roth if it helps you. I plan to split 50:50 into traditional:Roth TSP: 6-months into traditional (emphasis on G & F funds), then 6-months into Roth TSP (emphasis on C, S, & maybe I funds). This would minimize tax drag down the road. Rebalancing can occur in Roth IRA,...
by RamblinDoc
Mon Apr 16, 2018 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Allocation
Replies: 14
Views: 1715

Re: TSP Allocation

You can even split the TSP into Roth if it helps you. I plan to split 50:50 into traditional:Roth TSP: 6-months into traditional (emphasis on G & F funds), then 6-months into Roth TSP (emphasis on C, S, & maybe I funds). This would minimize tax drag down the road. Rebalancing can occur in Roth IRA,...
by RamblinDoc
Mon Apr 16, 2018 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Allocation
Replies: 14
Views: 1715

Re: TSP Allocation

You can even split the TSP into Roth if it helps you. I plan to split 50:50 into traditional:Roth TSP: 6-months into traditional (emphasis on G & F funds), then 6-months into Roth TSP (emphasis on C, S, & maybe I funds). This would minimize tax drag down the road. Rebalancing can occur in Roth IRA, ...
by RamblinDoc
Mon Apr 16, 2018 10:22 am
Forum: Investing - Theory, News & General
Topic: Anyone hold any defensive funds in their portfolio?
Replies: 41
Views: 4430

Re: Anyone hold any defensive funds in their portfolio?

KlangFool wrote:
Wed Mar 28, 2018 10:05 pm
OP,

Vanguard Total Bond (VBTLX)
Vanguard Interm-Term Treasury Adm (VFIUX)
Wellington Fund (VWELX)
Cash
30 years fixed rate mortgage
Gold Jewelry

KlangFool

KlangFool,

What % of your portfolio is Wellington?
by RamblinDoc
Mon Apr 16, 2018 2:54 am
Forum: Investing - Theory, News & General
Topic: NAESX - is not really Small Cap?! [Vanguard Small-Cap Index]
Replies: 41
Views: 4241

Re: NAESX - is not really Small Cap?!

jalbert wrote:
Mon Apr 16, 2018 2:37 am
RamblinDoc wrote:
Sat Apr 14, 2018 5:52 pm
I assumed the definitions of large, mid, and small were universal. This thread blew my mind!
:shock:
Dive into the taxonomy of CRSP indices and you will find it much more surprising than just drawing lines in different places.
Will do - thanks!
by RamblinDoc
Sat Apr 14, 2018 6:21 pm
Forum: Investing - Theory, News & General
Topic: NAESX - is not really Small Cap?! [Vanguard Small-Cap Index]
Replies: 41
Views: 4241

Re: NAESX - is not really Small Cap?!

tibbitts wrote:
Sat Apr 14, 2018 6:07 pm
RamblinDoc wrote:
Sat Apr 14, 2018 5:52 pm
I assumed the definitions of large, mid, and small were universal. This thread blew my mind!
:shock:
Maybe if the definitions really mattered, they would be.
Touché
by RamblinDoc
Sat Apr 14, 2018 5:52 pm
Forum: Investing - Theory, News & General
Topic: NAESX - is not really Small Cap?! [Vanguard Small-Cap Index]
Replies: 41
Views: 4241

Re: NAESX - is not really Small Cap?!

I assumed the definitions of large, mid, and small were universal. This thread blew my mind!
:shock:
by RamblinDoc
Sat Apr 14, 2018 5:29 pm
Forum: Investing - Theory, News & General
Topic: NAESX - is not really Small Cap?! [Vanguard Small-Cap Index]
Replies: 41
Views: 4241

Re: NAESX - is not really Small Cap?!

The primary driving effect behind the difference is that Morningstar changed the breakpoints for what they consider mid and small. I wasn't aware of that. Thanks for the info. Yeah, one needs to be careful about using the Morningstar breakpoints for evaluating index funds that may use different con...
by RamblinDoc
Sat Apr 14, 2018 4:58 pm
Forum: Investing - Theory, News & General
Topic: NAESX - is not really Small Cap?! [Vanguard Small-Cap Index]
Replies: 41
Views: 4241

Re: NAESX - is not really Small Cap?!

NAESX; VTWO (Vanguard Russell 2000); VIOO (Vanguard S&P Small-cap 600); IJR (iShares Core S&P Small-Cap) https://imgur.com/WmoDHX1.png Poor Vanguard NAESX. Looks like it landed just on the wrong side of Morningstar's arbitrary line. Thanks, Nisiprius. I guess I need to re-evaluate if this matters t...
by RamblinDoc
Sat Apr 14, 2018 4:32 pm
Forum: Investing - Theory, News & General
Topic: NAESX - is not really Small Cap?! [Vanguard Small-Cap Index]
Replies: 41
Views: 4241

Re: NAESX - is not really Small Cap?!

I suspect you put VTMSX in your taxable account? Yes. But even so, you may want to check out its long-term record. Even before taxes, it's been a fairly consistent outperformer in the small cap space over the last 15 years (versus its category average). Good to know! In your opinion, would it be du...
by RamblinDoc
Sat Apr 14, 2018 4:26 pm
Forum: Investing - Theory, News & General
Topic: NAESX - is not really Small Cap?! [Vanguard Small-Cap Index]
Replies: 41
Views: 4241

Re: NAESX - is not really Small Cap?!

Also, is there a better Vanguard fund that focuses on Small Cap blend if I want that tilt? You might check out Vanguard's Tax-managed Small Cap Fund (VTMSX). It's a true small cap fund, based on the S&P Small Cap 600 Index. The only drawback is that it's just offered in Admiral Shares with a $10,00...
by RamblinDoc
Sat Apr 14, 2018 4:15 pm
Forum: Investing - Theory, News & General
Topic: NAESX - is not really Small Cap?! [Vanguard Small-Cap Index]
Replies: 41
Views: 4241

Re: NAESX - is not really Small Cap?!

Also, is there a better Vanguard fund that focuses on Small Cap blend if I want that tilt? You might check out Vanguard's Tax-managed Small Cap Fund (VTMSX). It's a true small cap fund, based on the S&P Small Cap 600 Index. The only drawback is that it's just offered in Admiral Shares with a $10,00...
by RamblinDoc
Sat Apr 14, 2018 3:55 pm
Forum: Investing - Theory, News & General
Topic: NAESX - is not really Small Cap?! [Vanguard Small-Cap Index]
Replies: 41
Views: 4241

NAESX - is not really Small Cap?! [Vanguard Small-Cap Index]

After thinking about for awhile, I decided to have a small-cap tilt to my portfolio. NAESX (Vanguard Small-Cap Index Fund Investor Shares) seemed like a good option for me. According to the Vanguard website, it averaged to be Small-Cap Blend on their Style Box. Recently, I checked my asset allocatio...