Search found 36 matches

by Nightowl99
Mon Aug 31, 2020 9:12 am
Forum: Investing - Theory, News & General
Topic: Vanguard seems to have web online sign on problem
Replies: 145
Views: 6742

Re: Vanguard seems to have web online sign on problem

Something's wrong. It's showing I have about $3 million more than I really have.
by Nightowl99
Fri Aug 28, 2020 2:40 pm
Forum: Personal Investments
Topic: Vanguard Bond ETF choices and rebalancing
Replies: 8
Views: 992

Re: Vanguard Bond ETF choices and rebalancing

I like Sycamore's way of thinking about narrowing down the number of bond funds you hold. I've been reconsidering the need to have so much in the international bond fund lately and have exchanged a lot of it for more of the intermediate bond fund. You may want to consider buying I bonds too, up to t...
by Nightowl99
Thu Aug 27, 2020 10:27 pm
Forum: Personal Investments
Topic: Vanguard Bond ETF choices and rebalancing
Replies: 8
Views: 992

Re: Vanguard Bond ETF choices and rebalancing

Just to give a different opinion, I don't think there's anything wrong with the choice of bond funds you've selected since I have many of those same funds in my own Vanguard accounts. Many people on this forum believe it simplifies things to have only one bond fund, though, such as BND or BIV, which...
by Nightowl99
Tue Aug 25, 2020 5:16 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4761
Views: 1295312

Re: What Book Are You Currently Reading? Part VI

Too Much and Never Enough: How My Family Created the World's Most Dangerous Man by Mary L. Trump, Ph.D.
by Nightowl99
Fri Aug 21, 2020 3:54 pm
Forum: Investing - Theory, News & General
Topic: Did Vanguard Eliminate Access to Financial Engines?
Replies: 49
Views: 7082

Re: Did Vanguard Eliminate Access to Financial Engines?

I found Financial Engines by going to My Accounts-->Profile & Account Settings-->then scrolling down to Financial Engines. Its advice to me is to be more aggressive than I'd like to be, though. It advises me to sell the European Stock Index it recommended a couple of years ago. Luckily I didn't ...
by Nightowl99
Fri Aug 21, 2020 2:12 pm
Forum: Personal Consumer Issues
Topic: Favorite youtube channels?
Replies: 86
Views: 9724

Re: Favorite youtube channels?

Listening to Jack Bogle on YouTube calms me down when i get nervous about the stock market and the state of the economy.
by Nightowl99
Tue Aug 11, 2020 4:57 pm
Forum: Personal Investments
Topic: Moving to Cash?
Replies: 158
Views: 11546

Re: Moving to Cash?

Ray Dalio says "cash is trash" : https://www.youtube.com/watch?v=tZyWVxGXPHo I think it's best to keep as much cash as you need but stay invested in the market because even if there is another downturn, all your dividends/reinvested interest will be buying more shares at a lower price. The...
by Nightowl99
Sun Aug 09, 2020 1:47 pm
Forum: Investing - Theory, News & General
Topic: What to do with International Bonds?
Replies: 47
Views: 2797

Re: What to do with International Bonds?

Thanks a bunch! This summarizes my plan: "I can just diversify as widely as humanly possible and forget about it."

Next I want to learn how to "tune out the noise" because there seems to be a lot of it out there lately. 8-)
by Nightowl99
Sat Aug 08, 2020 2:02 pm
Forum: Investing - Theory, News & General
Topic: Improving the Dalio/Robbins All-Seasons Portfolio
Replies: 323
Views: 77142

Re: Improving the Dalio/Robbins All-Seasons Portfolio

There's a podcast about RPAR on the Seeking Alpha website, in case you're interested. I may have also seen a YouTube video that goes into detail about the composition of RPAR and how it's leveraged, which explains how certain percentages appear to be over 100% sometimes. I don't understand all the i...
by Nightowl99
Fri Aug 07, 2020 2:27 pm
Forum: Investing - Theory, News & General
Topic: What to do with International Bonds?
Replies: 47
Views: 2797

Re: What to do with International Bonds?

Thanks. Obviously this subject is above my paygrade....
by Nightowl99
Fri Aug 07, 2020 2:08 pm
Forum: Investing - Theory, News & General
Topic: What to do with International Bonds?
Replies: 47
Views: 2797

Re: What to do with International Bonds?

Okay, so assuming that the fund will lose money for the unknown future, why not exchange some of it for something else? For example, I was considering the Emerging Markets Bond Fund (unhedged?) or the BWX etf (SPDR Bloomberg Barclays International Treasury Bond). Maybe it's better to stay put if the...
by Nightowl99
Fri Aug 07, 2020 12:31 pm
Forum: Investing - Theory, News & General
Topic: What to do with International Bonds?
Replies: 47
Views: 2797

What to do with International Bonds?

As Vanguard's Portfolio Watch recommends, about 20% of my bond allocation is in the International Bond fund (VTABX), which is currently showing an SEC yield of 0.30%. The current inflation rate appears to be something like 0.6% (not sure if that's correct or not). So it would seem that I'm now payin...
by Nightowl99
Thu Jul 30, 2020 9:45 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20713
Views: 2830613

Re: U.S. stocks in free fall

RBD can also mean really bad day.
by Nightowl99
Thu Jul 30, 2020 9:40 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20713
Views: 2830613

Re: U.S. stocks in free fall

It's time to batten down the hatches. I've started watching Ray Dalio on YouTube. He recommends reducing risk by diversifying well in a balanced way, across countries, asset classes, and currencies. I try to be a good Boglehead but this makes sense to me. I don't think it hurts to have 20% or so in ...
by Nightowl99
Thu Jul 30, 2020 12:05 am
Forum: Non-US Investing
Topic: Bitcoin Exchange Traded Crypto (BTCE)
Replies: 19
Views: 1602

Re: Bitcoin Exchange Traded Crypto (BTCE)

If you're wanting to have more currency diversification, with just a fraction of your portfolio, maybe you'd want to consider something like Emerging Markets Bonds instead. Just a thought. I wouldn't buy bitcoin myself, don't understand it.
by Nightowl99
Wed Jul 29, 2020 3:01 pm
Forum: Investing - Theory, News & General
Topic: TIPS as part of fixed income allocation
Replies: 38
Views: 3199

Re: TIPS as part of fixed income allocation

This is just the thing I was pondering today, so I appreciate the discussion. This time may really be different, and to me it seems like more inflation is inevitable sometime in the future, so I made a little exchange from Total Bond to Short-term inflation protected today. Without doing the math, i...
by Nightowl99
Mon Jul 27, 2020 12:46 pm
Forum: Personal Investments
Topic: Are Higher Stock Allocations the Only Option for Retirees?
Replies: 94
Views: 7062

Re: Are Higher Stock Allocations the Only OFor meption for Retirees?

I think the safest choices seem to be buying I bonds up to the annual limit and waiting as long as you can to claim SS benefits. Then, and I'm not necessarily recommending this for anyone else, maybe consider making a small adjustment to your asset allocation. After watching some YouTube videos of J...
by Nightowl99
Thu Jul 23, 2020 6:59 pm
Forum: Investing - Theory, News & General
Topic: Your thoughts on negative interest rates
Replies: 162
Views: 6609

Re: Your thoughts on negative interest rates

I don't really understand how the Fed works, but it seems that they have raised interest rates in the past to control inflation, and inflation will probably increase again sometime in the future. Even though the Fed intends to keep interest rates low until the current situation improves (for an unkn...
by Nightowl99
Tue Jul 21, 2020 7:05 pm
Forum: Personal Investments
Topic: high yield savings account
Replies: 7
Views: 1363

Re: high yield savings account

If you're an AARP member, the latest email from them ("AARP Member Benefits Update"), offers an extra .10 on a Marcus by Goldman Sachs high yield savings account for a total of 1.15%. It's easy to apply for it if you already have a Marcus account, just takes a few clicks.
by Nightowl99
Mon Mar 23, 2020 1:12 pm
Forum: Personal Investments
Topic: Recently retired, should I protect equity and sell?
Replies: 21
Views: 2592

Re: Recently retired, should I protect equity and sell?

The stock market has always come back after a crash in the past. I used to work with someone who sold equities during the last financial crisis. He said he really regretted it because he locked in his losses. Here's a quote from Jane Bryant Quinn ("How to Make Your Money Last"): "Sell...
by Nightowl99
Tue Mar 10, 2020 4:30 pm
Forum: Personal Investments
Topic: Should I Sell my Bond Funds
Replies: 18
Views: 2437

Re: Should I Sell my Bond Funds

"Is the any reason that I shouldn't sell my long term bond funds (they're mostly in IRA accounts), and move the money to an IRA savings account at Ally or some other online bank, yielding 1.6% or more, and then move it back after LT rates normalize?" I'm thinking that if the long term bond...
by Nightowl99
Thu Feb 27, 2020 9:18 pm
Forum: Personal Investments
Topic: Thinking about (temporarily) moving all *retirement* stock to bonds - please help
Replies: 292
Views: 25569

Re: Thinking about (temporarily) moving all *retirement* stock to bonds - please help

Are you kidding? Making the "temporary" change of selling stock funds when the Dow just had the biggest one day drop in history is selling low, the opposite of what you're supposed to do, and could easily result in a permanent loss to your portfolio because you don't know when stocks will ...
by Nightowl99
Thu Feb 27, 2020 7:50 am
Forum: Personal Investments
Topic: Should we use the coronavirus drop to do Roth conversion?
Replies: 39
Views: 3298

Re: Should we use the coronavirus drop to do Roth conversion?

I did most of my planned Roth conversion for the year the other day when there was a dip in the market, just to get it done. The market could drop some more but I figure there will be more time, by doing this earlier in the year, for the reinvested dividends to buy more shares in the Roth this way. ...
by Nightowl99
Mon Sep 10, 2018 10:52 pm
Forum: Investing - Theory, News & General
Topic: Is individual Bonds better than Bond Fund?
Replies: 58
Views: 6842

Re: Is individual Bonds better than Bond Fund?

Before I started reading advice from the Bogleheads about simplifying, I decided to make up my own little five-year bond ladder, a mix of CDs and treasuries, just to see what would happen. The average interest rate of that particular bond ladder turns out to be 2.65%. So, today I can compare that to...
by Nightowl99
Tue Aug 21, 2018 5:57 pm
Forum: Personal Investments
Topic: Please help my mom with her investments
Replies: 7
Views: 977

Re: Please help my mom with her investments

Property taxes should go down when your mom turns 65, if she lives in Austin. I think calling Vanguard to get assistance with transferring funds is a great idea. Find out if there are any tax consequences before transferring funds from the 401k to the Vanguard account. Options for handling an inheri...
by Nightowl99
Mon Aug 13, 2018 9:10 pm
Forum: Personal Investments
Topic: Vanguard Investment strategies for already retired
Replies: 9
Views: 1210

Re: Vanguard Investment strategies for already retired

I'm not an expert but would recommend the books listed in the "Suggested Reading" section of this website, along with books by Jane Bryant Quinn, such as How to Make Your Money Last . That book, along with the Bogleheads' Guide to Investing , helped a lot with my retirement planning, so I ...
by Nightowl99
Mon Jul 30, 2018 4:01 pm
Forum: Personal Investments
Topic: Retirees: how much cash?
Replies: 61
Views: 8004

Re: Retirees: how much cash?

I have roughly two years' worth of expenses in cash, split between a savings account, a money market fund, and c.d.s. I like Sheepdog's idea of reinvesting dividends in tax deferred accounts only. The dividends in my taxable account get sent to my savings account automatically.
by Nightowl99
Sat Jul 21, 2018 3:48 pm
Forum: Personal Investments
Topic: Pension Lump Sum: Short-term bonds?
Replies: 37
Views: 2405

Re: Pension Lump Sum: Short-term bonds?

I think you're right to be a little conservative with this money since a crash is bound to happen sooner or later. The only problem is, nobody knows when the crash will happen. So here's an idea that's in between being a Boglehead and being a market timer: Decide on what the best asset allocation is...
by Nightowl99
Fri May 18, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Partial Roth conversions--okay to withdraw them?
Replies: 4
Views: 655

Re: Partial Roth conversions--okay to withdraw them?

Thank you for the reply! I am so happy to have found the Bogleheads website and the helpful information that everyone shares.
by Nightowl99
Fri May 18, 2018 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Partial Roth conversions--okay to withdraw them?
Replies: 4
Views: 655

Partial Roth conversions--okay to withdraw them?

If I decide to make partial Roth conversions over the next seven years, up to the top of the 22% tax bracket, I can pay the taxes with money from my taxable account. The Retiree Portfolio Model indicates that I may come out ahead by doing this, maybe ~$80,000 if I live to be 90, or something like th...
by Nightowl99
Tue May 01, 2018 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 60
Views: 12317

Re: Moving to The Woodlands,TX

Generally speaking, I think of the Woodlands as a distant suburb of Houston. It may be somewhat safer than Houston and is not bad overall. The traffic going to and from Houston will not be fun. Try to arrange a long visit there before making a decision, if possible. The best advice I can think of: D...
by Nightowl99
Mon Apr 30, 2018 2:19 pm
Forum: Personal Investments
Topic: Schwab Vs Fidelity Vs Vanguard
Replies: 88
Views: 30776

Re: Schwab Vs Fidelity Vs Vanguard

I guess everyone's experience is different because I like Vanguard the best so far. I haven't compared expense ratios of funds lately, but back when I did, several years ago, Vanguard's were the lowest. My experience with Schwab was limited to the time I visited an advisor there: she recommended tha...
by Nightowl99
Mon Apr 30, 2018 1:46 pm
Forum: Investing - Theory, News & General
Topic: Do people in the forum hold foreign bonds?
Replies: 69
Views: 9754

Re: Do people in the forum hold foreign bonds?

About 20% of my bond allocation is in the International Bond Fund. I like the idea of being diversified with bonds, and the performance may be a little better than the Total Bond Fund, for now, if I'm not mistaken. I didn't put too much thought into doing this, though. It was suggested by Vanguard's...
by Nightowl99
Sun Apr 29, 2018 6:44 pm
Forum: Personal Investments
Topic: Taking the Plunge -- Portfolio Feedback
Replies: 4
Views: 942

Re: Taking the Plunge -- Portfolio Feedback

I'm not an expert but I think you have things just right for tax efficiency. I'd be concerned about owning that much company stock, though. Maybe consider buying it at the discounted price but exchanging it for something else, like the more of the index funds you already have. Maybe keep the company...
by Nightowl99
Fri Mar 02, 2018 9:00 pm
Forum: Personal Investments
Topic: VWINX vs VWENX vs VTCIX vs VTINX vs VHDYX with 250K
Replies: 37
Views: 5724

Re: VWINX vs VWENX vs VTCIX vs VTINX vs VHDYX with 250K

When you read about the LifeStrategy Moderate Growth Fund on Vanguard's website, you can see what it's comprised of by clicking on the "Portfolio & Management" tab and scrolling down. You'll see something like this: Ranking by Percentage Fund Percentage 1) Vanguard Total Stock Market I...
by Nightowl99
Mon Feb 26, 2018 9:02 pm
Forum: Personal Investments
Topic: Best mix of short-term and intermediate-term bond funds?
Replies: 9
Views: 2032

Best mix of short-term and intermediate-term bond funds?

I recently sold my townhouse, which caused a sizable increase in my taxable account. Now my plan is to keep mostly bond funds in my traditional IRA and stock funds in my taxable account because of the more favorable capital gains tax on dividends. My question is, what is the best way to determine th...