Bogleheads.org

Greenie

After I maxed out tax differed accounts including HSA and Roth I bought and still hold a taxable account with Total Stock Market and CA Tax Exempt Muni Bond Fund. As my taxable account has appreciated I have exchanged for more Total US Bond Fund in my my tax differed accounts to maintaining my desir...

Greenie

I am 67 and my wife is 59. We have no bonds in our Roths. We have enough space in our tax deferred accounts for bonds to meet our asset allocation. Roth accounts will be the last thing we will touch and look at it least a 15 year time line. The Roths will probably be legacy to our daughter.

Greenie

A while back I noticed Vanguard had changed on their simulation retirement calculator from 4% of a 50-50 equities/ bonds mix lasting 30 years with a 95% likely successful outcome to a 91% likely success rate. At 3.7% withdraw rate I get 95% likely success rate now with my portfolio. It's hard to ima...

Greenie

I'm 33 and have only been in the markets about a year. Accept that you won't have a real understanding of your risk tolerance until you've been through a market crash. Just about anyone who started investing after 2010 is in the same boat. In the meantime, it's a good idea to have an allocation to ...

Greenie

Thanks for the replies. I just hit my number recently and I am not much beyond my number. My wife and I have retired, no other streams of income other another dividends and spending down of savings. I have enough in cash and short term instruments to reach my delayed SS at age 70 in 3 1/2 years. Whe...

Greenie

I have the assets to cover my eight year younger wife. I am 66 and my 20 year term life policy runs out or should I say increases astronomically in August 2020 and I have no plans to keep beyond 08/2020. I pay $1248.00 a year ($104 a month) for $500K of coverage. Two years and eight months remaining...

Greenie

I would love to get opinions on my situation. I have the assets to cover my eight year younger wife. I am 66 and my 20 year term life policy runs out or should I say increases astronomically in August 2020 and I have no plans to keep beyond 08/2020. I pay $1248.00 a year ($104 a month) for $500K of ...

Greenie

I took me about 1 1/2 to relax into the direct deposit from Vanguard was my "paycheck". Which was weird because I was a business owner and I was paying myself anyway. I saved like crazy for the 10 years leading up to retirement and lived well below my means. It was hard to believe when I s...

Greenie

Be careful that it doesn't become a competition between you and your friend. Frankly because you are going to win long term. Hopefully your friendship goes beyond sharing your portfolios. Maybe you can recommend The Bogleheads Guide to Retirement. Your friend is being taken by a salesman. He has no ...

Greenie

Thank you to you all that have posted so far. I thought I would get that respond. and I will avoid suggesting the Managed Payout Fund to her. She is a CA resident. For simplicity I thought of recommending 30% is US Total Stock Market Index, 20% in Total International Index, 25% in Intermediate Term ...

Greenie

I am trying to help a friend that doesn't want to be concerned with rebalancing, is unsophisticated in general about investing but needs income for living expenses. She currently has 200K invested with Merill Lynch. I have looked at her statements and they have her invested in eight different funds,...

Greenie

I have owned the Vanguard HealthCare Fund many years ago. Does anyone here add VGHAX to their three or four fund portfolio?

Greenie

I just retired three weeks ago right before my 64 birthday. Still getting use to this freedom thingy

Greenie

I have a friend that I have know for 37 years. Since I have know him he has had (in our 20s then) some kind of an American financial doomsday prediction in mind. From Howard Ruff in the 70s, to the Great Depression of 1990 coined by Dr. Ravi Batra, to the current talking heads. All along I have only...

Greenie

I am all in Boglehead philosophy. I own only index funds and mostly all the three fund idea but tilt a little Emerging Market.

Greenie

Its depends on what kind of business. A service business of the back of your own labor can be a cheap start up.

Greenie

Add me as member #11! I have accepted an offer for my business, the loan has been approved for the buyer and the process is moving along very quickly. Shooting for a 1/1/15 closing. It seems so surreal. I have been planning and saving for so long and BAM :happy it is nearly here. I would encourage a...

Greenie

Maybe we should start a thread " Renting/Landlords They are Horrible" Seriously, my widowed mother sold our house when I was nine years old. From that point we moved and moved and moved. Landlords from hell. Wouldn't fix things that were broken, and if they did used the cheapest quality ju...

Greenie

My kid is starting her third year of a four year program. A few experiences I went through might be helpful to the original poster or others. First of all, pretty much forget about financial aid. Unless your kid is a super athlete or you are dirt poor you are getting very little or no help. A 529, p...

Greenie

I lived in the Midwest, Florida, North California, and Los Angeles. I have been here now for 33 years. For me it's place to be. So many different neighborhood scenes with live music, great food, great beer, friendly people, plenty of healthy outdoor activities with unbelievable weather. I guess it's...

Greenie

I respect Jonathan Clements writer for the WSJ. While it may be ideal, how many retirees will come close to Clement's suggestion of a cash reserve equal to five years of portfolio withdraws? I would love to be in that position but it is not possible for my wife and myself to accumulate that much in ...

Greenie

"I'm 62 and want to preserve my investment and reduce expenses" There is so much pricing matching these days. Ask the Edward Jones if he can match the expense rate of .05 for Vanguard's Total US Stock Index, Admiral Shares and you will sign on

Greenie

I am in some what of a similar situation as the original poster of my age and a sizable taxable account. I am commenting on your ideas of gaming the FAFSA system. I have friends of various financial assets and no one I know gets a break on college costs. FAFSA is for those that can't afford college ...

Greenie

Are you planning to retire now at 33?

Greenie

I think it is save to say most all Bogleheads would take 8% guaranteed come here to eternity. There is always the quality of life factor. Myself at 63 and my 55 wife life and health are great. Sometimes I think it comes down getting close with all your calculations and then what your gut or intuitio...

Greenie

Bucket of CDs? That seems a loss to inflation. Maybe a combo of CDs and Wellesley???

Greenie

We are both in excellent health and yes health care is going to be one of the biggest nuts to crack. We were planning on taking her small benefit at 62. She also has a small annuity that kicks in for her at 65. I am assuming the ACA only looks at income and not savings so I think we are ok there. Do...

Greenie

I turn 63 next week and I plan to retire as soon as possible. (I am not go to work another job and we don't have plans for my spouse to work any longer as well). I have been crunching numbers and I have come up with this dilemma. First of all, I am planning on spending down 4% a year from my savings...

Greenie

When I see the source is Newsmax I don't bother.

Greenie

To the original poster, 6 to 9 weeks vacation could make a huge difference. We all retire. It is just when and if it is on our own terms. If you love what you do every why would you want to quit. A lot folks, myself included decided one day they couldn't make much of living at what they most enjoyed...

Greenie

If someone retires early before Medicare (65), has large sums in retirement accounts including taxable accounts, but only shows small amounts of income on their tax returns, $20,000 or $30,000 for example, and living off their savings would they we eligible for the subsidy?

Greenie

Typical CNBC article commenting on folks 55 and older, saving for retirement. But really??? Don't go into bonds until your 70 and then only gradually? Glad to know Ellis is a former board member of Vanguard. :D Has the collapse of markets in 2008 faded from most investors memories? http://www.cnbc....

Greenie

Typical CNBC article commenting on folks 55 and older, saving for retirement. But really??? Don't go into bonds until your 70 and then only gradually? Glad to know Ellis is a former board of Vanguard. :D Has the collapse of markets in 2008 faded from most investors memories? http://www.cnbc.com/id/1...

Greenie

Thanks Magellan. It's reassuring to know about the premiums not going up so much with the age bands and it's sounds like I better talk to an insurance broker. It appears the Kaiser rep was wrong.

Greenie

1. Do you like the idea of Kaiser or not? That, to me, is the important question to answer. I am one of those people who thinks KP is great. I don't care who my doc is. I don't take any drugs, but am comfortable with generics. Their offices and hospitals are very close by (2.3-4.5 miles). 2. The co...

Greenie

The representative at Kaiser said I could contribute to my HSA account even if I don't have a "HSA Plan". There is a different price for my wife and myself. My cost at 64 is $540.00 a month and my wife's is $392.00. I think I will go with the KP CA Bronze 5000/60. The premium per month is ...

Greenie

I forgot to mention both are Kaiser plans. I have been with Kaiser for over 20 years and happy with them. I am 62 and my wife is 54. I shopped a little on the Covered California exchange but don't want to switch providers. The Kaiser Bronze 60 Health Savings Account is through the Covered California...

Greenie

If anyone has an opinion on choosing between these two plans, I would really appreciate it. For two people that are very health, which plan do you think is the Most cost effective? As you see the price is basically the same and I receive no subisdy. The first one is through Covered California and th...

Greenie

I have a small business that consists of my wife, myself, and one employee. It's been good to me with hard work and has got me where I am today financially but I am at the burnt out stage now. I have lost interest and have just been going through the motions. I am just hanging on trying to keep the...

Greenie

Greenie, I hit my age goal three years ago and my number this year. Work became a real chore this year, probably exacerbated knowing I could leave. Told them a month ago I am leaving and it is even harder knowing I am leaving, my coworkers do not know yet either. Objectively we are both too young t...

Greenie

Hit and passed it by quite a bit when I sold my little company 1.5 years ago - just need to fulfill my contract to the purchaser, which is another 6 months then my hard earned freedom awaits. I have a small business that consists of my wife, myself, and one employee. It's been good to me with hard ...

Greenie

As we all do here I think and plan with the hard numbers. Part of my question is philosophical. As several of you mentioned low interests, uncertainty in markets, etc. but as some point it has to be a gut feeling, letting go. There are a lot of uncertainties in life beyond money. These are the healt...

Greenie

This question goes out to those who are near their "number" or are retired now and went though the same sort of experience. I will be 63 in March. The original plan was work until I am 66 and with my investments and FRA social security projected income live comfortably. I am very close to ...

Greenie

Even though it was a fairly small contribution for $7450 for 2013. (over 55 -family plan). It is the best tax advantage account in my particular situation as a Mom and Pop business. Tax deductible going in, grows tax free, and no taxes going out as long as it is used for medical expenses. With today...

Greenie

I think many of us near retirement are questioning having 60% of our portfolio in bonds and waiting to be clobbered as interest rates rise. It is tempting to move to the cash sidelines until their are more favorable yields for the risks we are taking.

Greenie

This articles suggests possibly being on the bond sidelines for awhile in cash and coming back to bonds when rates are higher:
http://online.wsj.com/article/SB1000142 ... =rss_Money

Greenie

My wife (not so much me) are friends with a couple that spend way beyond there means. The woman is the widow of my best friend that died 13 years ago. My friend was a serious Boglehead and I am sure never heard the term. He provided and left his wife a house that was paid off, a thriving business, a...

Greenie

If I paid a lot federal income tax in a specific year then I had a good year. The glass 3/4 full.

Greenie

Most of my investments until I discovered the Boglehead way of investing in 2009. My first experience in 1994 was a loaded Dreyfus stock fund that was a total dog recommended and sold to me by someone in a bank. Next experience, another sales person at a different bank (Wells Fargo) sold me a variab...

Greenie

The main purpose of bonds for me is diversification away from stocks. I was 100% in equities when the financial meltdown hit in 2007/2008. Nothing I want to go through again if I can help it. If the stock market crashes again the masses are going to run to the safety of treasuries. I just buy the Va...

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