Search found 112 matches

by HAWK23
Sun Apr 28, 2019 10:25 am
Forum: Personal Investments
Topic: Obliterated my portfolio 2 years ago based on advice here.. thoughts on next steps?
Replies: 6
Views: 3484

Re: Obliterated my portfolio 2 years ago based on advice here.. thoughts on progress?

Terrific job going from a non investor to an investor! I have some minor suggestions: you are combining individual funds with all in one funds and that is redundant. The Wellington fund is an all in one fund made up of approximately 66% of large cap stocks, and 33% bonds. It is intended to be the t...
by HAWK23
Sun Apr 28, 2019 8:42 am
Forum: Personal Investments
Topic: Obliterated my portfolio 2 years ago based on advice here.. thoughts on next steps?
Replies: 6
Views: 3484

Obliterated my portfolio 2 years ago based on advice here.. thoughts on next steps?

So I used the word "obliterated" but you could also use the word "started" because I didn't have much of a portfolio back then. Just some background: I'm an educator who makes approx 65K per year (so I'll have a pension - hopefully - when I retire). My grandpa died 2 years ago and I inherited some s...
by HAWK23
Sat Mar 02, 2019 8:37 am
Forum: Investing - Theory, News & General
Topic: Money Markets
Replies: 17
Views: 2298

Re: Money Markets

CIT Bank has been great - 2.45% on accounts holding at least 25K. Or in my case, 2.45% if you transfer a minimum 100$ into the account once per month if your account is below 25K. I just set the automatic transfer to send 100$ to the savings builder account once every month to maintain the 2.45%. If...
by HAWK23
Sat Mar 02, 2019 8:12 am
Forum: Personal Investments
Topic: Another Edward Jones defector
Replies: 51
Views: 8611

Re: Another Edward Jones defector

I feel the folks at Schwab are treating me well. They are covering the $95 per account EJ termination fee across four accounts as well as 200 free trades for the next two years. And a referral of $100 since my partner has a small account. I feel like a great weight has been lifted off of me! I did ...
by HAWK23
Sun Feb 24, 2019 9:17 pm
Forum: Investing - Theory, News & General
Topic: How Do You Like My New 'Doo
Replies: 227
Views: 47748

Re: How Do You Like My New 'Doo

Thought I would update this as of 12/31/2018. Updated my recordkeeping yesterday in Quicken, adding in all the capital gains and dividend reinvestments into the program. It was a big task. The portfolio really hasn't changed since the last time I posted here in detail except that the markets have h...
by HAWK23
Sun Feb 24, 2019 8:50 pm
Forum: Investing - Theory, News & General
Topic: Backtest Portfolio With International Allocation
Replies: 8
Views: 791

Re: Backtest Portfolio With International Allocation

Ya. But also I thought this would point out in the long run, diversifying doesn't mean "I get 0% return. International!" In fact, annual re-balancing until 2009 (the year when stock market was going back up from 2008), the returns of the 3 portfolios were vastly similar geometric mean wise. 60/40: ...
by HAWK23
Sun Feb 24, 2019 12:03 pm
Forum: Investing - Theory, News & General
Topic: Are Ibonds (Treasury Direct) considered taxable or tax advantaged?
Replies: 19
Views: 1441

Re: Are Ibonds (Treasury Direct) considered taxable or tax advantaged?

The fact that you are not required to pay taxes on them until you redeem them can be considered either a bug or a feature. It's not very important and not much of a reason to buy them. If you have good reason to believe you will be spending them on college tuition, it suddenly becomes meaningful. I...
by HAWK23
Sun Feb 24, 2019 8:52 am
Forum: Investing - Theory, News & General
Topic: Are Ibonds (Treasury Direct) considered taxable or tax advantaged?
Replies: 19
Views: 1441

Re: Are Ibonds (Treasury Direct) considered taxable or tax advantaged?

Thank you both for your responses. Great breakdown nisiprius - thank you!
by HAWK23
Sun Feb 24, 2019 8:35 am
Forum: Investing - Theory, News & General
Topic: Are Ibonds (Treasury Direct) considered taxable or tax advantaged?
Replies: 19
Views: 1441

Are Ibonds (Treasury Direct) considered taxable or tax advantaged?

Are ibonds/TD accounts considered taxable accounts or tax sheltered accounts - or are they considered a hybrid?
by HAWK23
Sun Feb 10, 2019 3:29 pm
Forum: Personal Investments
Topic: What do you use for your bond exposure?
Replies: 47
Views: 3695

Re: What do you use for your bond exposure?

50% Vanguard Total Bond (VBTLX)
50% I-Bonds
by HAWK23
Mon Jan 21, 2019 8:09 am
Forum: Personal Investments
Topic: For those with both Vanguard and Schwab
Replies: 43
Views: 2980

Re: For those with both Vanguard and Schwab

I have both as well I have a brokerage at each and my Roth is at VG Schwab is superior with their website and it's easier to find the statistical information you're looking for. Their customer service is also 24/7. I occasionally buy individual stocks so their 4.99 fee is better than Vanguard 7.99 f...
by HAWK23
Fri Jan 04, 2019 6:32 pm
Forum: Personal Investments
Topic: Should I open a 403(b)?
Replies: 27
Views: 1361

Re: Should I open a 403(b)?

Question: 1) Should I invest in a 403b if my school district does not match? 2) Should I also invest in a 457b? *Just as an FYI in case this is helpful, we are able to put away about $6,000 per month for savings. Here is the approved vendor list: https://www.nbsbenefits.com/fbcretire.com/approvedve...
by HAWK23
Mon Dec 17, 2018 5:23 am
Forum: Personal Investments
Topic: Tax Loss Harvesting Question - Simple
Replies: 15
Views: 1466

Re: Tax Loss Harvesting Question - Simple

What would be considered an acceptable similar replacement fund (that wouldn't be considered a Wash Sale) to buy into for 31 days after I sell VXUS? VEU (the etf equiv to VFWAX - FTSE All World ex US) is generally considered an acceptable TLH partner. Very similar to VXUS/VTIAX but my understanding...
by HAWK23
Sun Dec 16, 2018 9:22 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting Question - Simple
Replies: 15
Views: 1466

Re: Tax Loss Harvesting Question - Simple

HAWK23 wrote:
Sun Dec 16, 2018 9:10 pm
What would be considered an acceptable similar replacement fund (that wouldn't be considered a Wash Sale) to buy into for 31 days after I sell VXUS?
Would Vanguard Total World (VT) work and not trigger a wash sale for Total International (VXUS)?
by HAWK23
Sun Dec 16, 2018 9:10 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting Question - Simple
Replies: 15
Views: 1466

Re: Tax Loss Harvesting Question - Simple

What would be considered an acceptable similar replacement fund (that wouldn't be considered a Wash Sale) to buy into for 31 days after I sell VXUS?
by HAWK23
Sat Dec 01, 2018 2:29 pm
Forum: Personal Investments
Topic: What fees are reasonable/competitive for a 403(b)?
Replies: 18
Views: 1148

Re: What fees are reasonable/competitive for a 403(b)?

Andrew make sure you read this thread: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=175295#p2649039 In some states you can opt to be in a self directed 403b with Lincoln Investments. I, too, work in education and was able to set up everything up following this thread and got into all Vanguar...
by HAWK23
Fri Nov 30, 2018 5:22 am
Forum: Investing - Theory, News & General
Topic: Ally just raised Online Savings accounts to 2% APY
Replies: 66
Views: 7103

Re: Ally just raised Online Savings accounts to 2% APY

For the past couple months I've been keeping track of rates from the banks I use or have used in the past, as well as Vanguard's Prime MM and Muni MM SEC yields. I usually added to the sheet on either Sat or Sun. Black = increase since last period, gray = same, red = decrease. CO = Capital One, and...
by HAWK23
Sat Nov 24, 2018 3:25 pm
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 241
Views: 23870

Re: What is your allocation to U.S. and International?

Stocks : Bonds = 88 : 12

Domestic Stock : Int'l Stock = 80 : 20

Domestic Bond : Int'l Bond = 100 : 0
by HAWK23
Fri Nov 23, 2018 5:35 pm
Forum: Personal Investments
Topic: Two I-Bond questions (strategy and withdrawal)
Replies: 7
Views: 1169

Two I-Bond questions (strategy and withdrawal)

Question #1: Currently the fixed rate for I-Bonds is at 0.50 which seems to be the highest it's been in years. If I'm only able to purchase about 4k-5k of i-bonds per year (per my financial situation) does it make sense to sell any i-bonds I might have at a lower rate for the current (better) rate k...
by HAWK23
Mon Nov 19, 2018 9:51 am
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 225
Views: 21687

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

Cool, I tried to convert but it didn't work. Gave me the option with TBM ... then when I accepted the conditions it came back with "No eligible funds found". Oh well, guess let them work it out and try again later. I wouldn't bother, the announcement today says they are eliminating the Investor Sha...
by HAWK23
Mon Nov 19, 2018 9:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 225
Views: 21687

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

Strange. The little button to convert to admiral shares shows up for me on my VTSMX and VGTSX but when I click to convert it says I don't have enough even though I have 4K In each.
by HAWK23
Sat Nov 17, 2018 10:16 am
Forum: Investing - Theory, News & General
Topic: Ally just raised Online Savings accounts to 2% APY
Replies: 66
Views: 7103

Re: Ally just raised Online Savings accounts to 2% APY

This thread prompted me to take a look at my current emergency fund saving options. I was using CIT Bank''s 1.85% money market fund. I ended up switching to CIT Bank''s high yield saving builder account. It has a 2.15% APY. There's 2 ways to receive the monthly 2.15% APY: Keep a minimum balance of $...
by HAWK23
Sat Nov 17, 2018 8:34 am
Forum: Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 96
Views: 17024

Re: For Those Who Purchased Ally No Penalty CD's in Dec/Jan

For those of you with the Ally No Penalty CDS - is there a minimum amount of money you need to put into the CD? Or can you choose any amount you would like? The info is posted right on their site: https://www.ally.com/bank/no-penalty-cd/ Thank you. I apologize, I should have been able to find that ...
by HAWK23
Sat Nov 17, 2018 7:56 am
Forum: Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 96
Views: 17024

Re: For Those Who Purchased Ally No Penalty CD's in Dec/Jan

For those of you with the Ally No Penalty CDS - is there a minimum amount of money you need to put into the CD? Or can you choose any amount you would like?
by HAWK23
Sat Nov 10, 2018 10:50 pm
Forum: Investing - Theory, News & General
Topic: Roth Investment Theory
Replies: 45
Views: 4003

Re: Roth Investment Theory

Dollar cost averaging is a neccisity for people who don't make a lot of money. I wish I made 100K+ per year like I feel most everyone on these boards do. If you make 60K, like myself, you can't just lump sum giant amounts of money into accounts without having to dollar cost average or spread it out...
by HAWK23
Sat Nov 10, 2018 10:06 pm
Forum: Investing - Theory, News & General
Topic: Roth Investment Theory
Replies: 45
Views: 4003

Re: Roth Investment Theory

Dollar cost averaging is a neccisity for people who don't make a lot of money. I wish I made 100K+ per year like I feel most everyone on these boards do. If you make 60K, like myself, you can't just lump sum giant amounts of money into accounts without having to dollar cost average or spread it out.
by HAWK23
Sat Nov 10, 2018 11:40 am
Forum: Investing - Theory, News & General
Topic: Roth Investment Theory
Replies: 45
Views: 4003

Re: Roth Investment Theory

No, the optimal strategy is to invest money when you have it. Waiting until Jan 1 is worse. You are correct that as soon as you have it, invest it. The first day that you can make a 2019 tax year contribution is January 1, 2019. I think their point was that they shouldn't hold the money for 2 month...
by HAWK23
Sat Nov 10, 2018 11:26 am
Forum: Investing - Theory, News & General
Topic: Roth Investment Theory
Replies: 45
Views: 4003

Re: Roth Investment Theory

The optimal strategy has been to invest it all on the first day you are allowed (Jan 1). No, the optimal strategy is to invest money when you have it. Waiting until Jan 1 is worse. You are correct that as soon as you have it, invest it. The first day that you can make a 2019 tax year contribution i...
by HAWK23
Sat Nov 10, 2018 8:52 am
Forum: Investing - Theory, News & General
Topic: Roth Investment Theory
Replies: 45
Views: 4003

Re: Roth Investment Theory

The 2019 limit increases to $6000: https://www.irs.gov/newsroom/401k-contribution-limit-increases-to-19000-for-2019-ira-limit-increases-to-6000 Vanguard says lump sum outperforms dollar cost averaging 2/3rds of the time: https://personal.vanguard.com/pdf/ISGDCA.pdf Oh wow, I was not aware of the in...
by HAWK23
Sat Nov 10, 2018 8:07 am
Forum: Investing - Theory, News & General
Topic: Roth Investment Theory
Replies: 45
Views: 4003

Roth Investment Theory

Come January we will be able to drop another $5,500 into our IRAs. Is there a consensus boglehead philosophy on dollar cost averaging $458 per month into the Roth every month versus just dumping everything in all at once? Is one way statistically better than the other - or does it not matter? Person...
by HAWK23
Sat Aug 25, 2018 5:43 am
Forum: Personal Investments
Topic: Include Bonds in Portfolio?
Replies: 19
Views: 2357

Re: Include Bonds in Portfolio?

I'm 33 years old and I'm 90/10.

5% of my bonds are VBTLX and 5% of my bonds are I-Bonds.

My question is it okay/appropriate to consider I-Bonds a part of one''s Bond allocation in their portfolio? Reason I ask, is I've read some people use their I-Bonds to account for their emergency fund.
by HAWK23
Sun Aug 12, 2018 8:41 am
Forum: Investing - Theory, News & General
Topic: Vanguard Total International MF/ETF Performance Difference
Replies: 2
Views: 381

Vanguard Total International MF/ETF Performance Difference

I wanted to ask why there looks to be a significant performance difference between the ETF and Mutual fund version of Vanguard Total International Stock funds (I thought they were the same thing). VXUS ETF: Down 4.0% this year (down 1.90% on Friday) VGTSX Investor Class: Down 2.2% this year (down 1....
by HAWK23
Fri Aug 10, 2018 7:37 am
Forum: Personal Investments
Topic: Trying to understand the logistics of a 403b in relation to bonds and selling
Replies: 19
Views: 825

Re: Trying to understand the logistics of a 403b in relation to bonds and selling

However, I've still read further that ideally you want bonds in pretax and stocks in Roth if possible because the Roth account will grow quicker that way that growth won't be taxed at all when you take the money out for retirement since you've already paid taxes on the money before you put it in. I...
by HAWK23
Fri Aug 10, 2018 7:29 am
Forum: Personal Investments
Topic: Trying to understand the logistics of a 403b in relation to bonds and selling
Replies: 19
Views: 825

Re: Trying to understand the logistics of a 403b in relation to bonds and selling

I don't think the poster is arguing that his or her equity share will perform differently depending upon whether they're held in a Roth or a tax-deferred account, and having a Roth rather than a TIRA probably makes the most sense for them. This sounds like a public school teacher early in his or he...
by HAWK23
Thu Aug 09, 2018 12:44 pm
Forum: Personal Investments
Topic: Trying to understand the logistics of a 403b in relation to bonds and selling
Replies: 19
Views: 825

Re: Trying to understand the logistics of a 403b in relation to bonds and selling

Okay well this is all blowing my mind. I was under the impression that whatever I put into my Roth IRA could be taken out tax free after I followed whatever the requirements were at age 59 1/2 or whatever it is. That is correct. But you are paying the tax now, not later. I have to run to a meeting,...
by HAWK23
Thu Aug 09, 2018 11:36 am
Forum: Personal Investments
Topic: Trying to understand the logistics of a 403b in relation to bonds and selling
Replies: 19
Views: 825

Re: Trying to understand the logistics of a 403b in relation to bonds and selling

Okay well this is all blowing my mind. I was under the impression that whatever I put into my Roth IRA could be taken out tax free after I followed whatever the requirements were at age 59 1/2 or whatever it is. That is correct. But you are paying the tax now, not later. I have to run to a meeting,...
by HAWK23
Thu Aug 09, 2018 11:31 am
Forum: Personal Investments
Topic: Trying to understand the logistics of a 403b in relation to bonds and selling
Replies: 19
Views: 825

Re: Trying to understand the logistics of a 403b in relation to bonds and selling

Okay well this is all blowing my mind. I was under the impression that whatever I put into my Roth IRA could be taken out tax free after I followed whatever the requirements were at age 59 1/2 or whatever it is.
by HAWK23
Thu Aug 09, 2018 11:10 am
Forum: Personal Investments
Topic: Trying to understand the logistics of a 403b in relation to bonds and selling
Replies: 19
Views: 825

Re: Trying to understand the logistics of a 403b in relation to bonds and selling

After reading more posts on Bogleheads I've learned that, in an ideal world, you hold your bonds in your pre-tax account (such as the 403b) while having stocks, such as VTI/VXUS, in a Roth because of the growth that won't be taxed on it. I understand this concept and I think I would like to ultimat...
by HAWK23
Thu Aug 09, 2018 11:01 am
Forum: Personal Investments
Topic: Trying to understand the logistics of a 403b in relation to bonds and selling
Replies: 19
Views: 825

Re: Trying to understand the logistics of a 403b in relation to bonds and selling

After reading more posts on Bogleheads I've learned that, in an ideal world, you hold your bonds in your pre-tax account (such as the 403b) while having stocks, such as VTI/VXUS, in a Roth because of the growth that won't be taxed on it. I understand this concept and I think I would like to ultimat...
by HAWK23
Thu Aug 09, 2018 9:49 am
Forum: Personal Investments
Topic: Trying to understand the logistics of a 403b in relation to bonds and selling
Replies: 19
Views: 825

Re: Trying to understand the logistics of a 403b in relation to bonds and selling

Whether you have to fill out paperwork to exchange funds within your 403b plan will depend on the rules of your particular plan. Does your plan have a website? Most plans allow you to adjust your investments on-line now, without filling out any paperwork. It should be easy, and there are no tax con...
by HAWK23
Thu Aug 09, 2018 9:12 am
Forum: Personal Investments
Topic: Trying to understand the logistics of a 403b in relation to bonds and selling
Replies: 19
Views: 825

Trying to understand the logistics of a 403b in relation to bonds and selling

I'll try to give a little background to help supplement my questions: This site has been great as it educated me on the necessity to plan ahead and open up my Roth IRA and a 403b account. Both are less than a year old, however I've fully funded my Roth IRA for this year (and was able to make a full ...
by HAWK23
Thu Aug 02, 2018 2:13 pm
Forum: Personal Investments
Topic: Beginner investor seeking advice
Replies: 28
Views: 1929

Re: Beginner investor seeking advice

Hey everyone, Thank you so much for the advice! Yes I did read the advice that this is a practical guide to being financially stable and not a get rich guide, and that is my ultimate goal. I do have a 401k and roth IRA and will work to cap those out, however I may not stay at my current job (curren...
by HAWK23
Thu Aug 02, 2018 1:53 pm
Forum: Personal Investments
Topic: Help with Lincoln investment self directed 403b plan
Replies: 4
Views: 324

Re: Help with Lincoln investment self directed 403b plan

I think most people would say your bond allocation (VBTLX) should be somewhere between 20-30% at age 37. So that will be a personal decision for you. I'm 32 and my bond allocation is around 12 percent, but I think I'm an outlier in that regard, most people would probably tell me to up it higher.
by HAWK23
Thu Aug 02, 2018 1:36 pm
Forum: Personal Investments
Topic: Help with Lincoln investment self directed 403b plan
Replies: 4
Views: 324

Re: Help with Lincoln investment self directed 403b plan

I started the Lincoln Investment Self Directed 403b Plan in April of this year. They do have all Vanguard Target Date Funds. I opted to put 90% of my paycheck contribution into the 2045 VTIVX fund and the other 10% into VBTLX admiral bond fund (because I need to catch up my bond allocation). It's be...
by HAWK23
Mon Jul 23, 2018 5:20 am
Forum: Personal Investments
Topic: Where to go next? 24, grad student, pepsi, roth etc
Replies: 45
Views: 3126

Re: Where to go next? 24, grad student, pepsi, roth etc

Couldn't sleep so I tried to get the ball rolling tonight on selling but I have no idea what to put for order type/ duration / cost basis. I was gonna call Vanguard in the morning to see what I should be putting for these. I am sure this stuff comes easier for advanced people but I am still learnin...
by HAWK23
Sun Jul 22, 2018 7:58 am
Forum: Personal Investments
Topic: Where to go next? 24, grad student, pepsi, roth etc
Replies: 45
Views: 3126

Re: Where to go next? 24, grad student, pepsi, roth etc

Your post resonates with me because my grandpa also left me with 100 shares of Pepsi that he ALSO bought around 55 dollars per share. I ended up keeping about 15 shares of PepsI and sold the other 75 to diversify. The dividends are great and I do think it's a really good company that I'm happy to ke...
by HAWK23
Sun Jul 08, 2018 8:07 am
Forum: Personal Investments
Topic: CIT Bank Current 1-YR CD Rate 2.5%
Replies: 15
Views: 3426

Re: CIT Bank Current 1-YR CD Rate 2.5%

Hi dia I signed up for CIT bank for their MM account about 3-4 months ago. I've never had an issue with their customer service, though I've only had to call once. I've never emailed but getting through on the phone took less than 5 minutes. When I first signed up the rate was 1.75% and now it's 1.85...
by HAWK23
Tue Jun 19, 2018 3:32 pm
Forum: Personal Investments
Topic: NJ Teacher Starting 457(b)
Replies: 3
Views: 582

Re: NJ Teacher Starting 457(b)

HI Ce1brity, I'm a teacher too, so I feel your pain. This thread saved me: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=175295 Read every post with specific attention on how to set up a Participant Directed Plan Through Lincoln Investments. I posted my experience at the bottom of the first p...
by HAWK23
Sun Jun 17, 2018 6:46 pm
Forum: Personal Investments
Topic: Small Cap Fund.
Replies: 4
Views: 568

Re: Small Cap Fund.

I own a small portion of individual blue chip stocks (I know, I know... naughty) so I use a mid cap (SCHM) and a small cap (SCHA) to try and even my overall large/mid/small cap holdings out to bring it back to market weight. Not sure if this is a sound idea (using the mid and small caps for this pur...