Search found 1237 matches

by sometimesinvestor
Thu Nov 07, 2019 3:07 pm
Forum: Investing - Theory, News & General
Topic: Why ever buy & hold a LT treasury?
Replies: 60
Views: 2904

Re: Why ever buy & hold a LT treasury?

DECEPTIVE TITLE. Obviously it is right to buy and hold a 30 year treasury fora long term gain if by long term we mean afew years not 30.I am quite sure a 30 year treasury purchased in Aug 81 would have outperformed stocks through the period ending in Jan 88. Incidentally the person who suggested mar...
by sometimesinvestor
Sun Nov 03, 2019 6:02 pm
Forum: Personal Investments
Topic: Is there a typical age (or years until retirement) where Roth IRA stops making sense vs pre-tax (401k)?
Replies: 17
Views: 2373

Re: Is there a typical age (or years until retirement) where Roth IRA stops making sense vs pre-tax (401k)?

My own view is that its an income thing.. If you are in the 30+% The traditional is clearly right, If you are in the 20's split or decide on other factors . Below 20 go for Roth.If you retire at or below age 70 consider roth conversions if they make sense.A trap to avoid is having RMD's help put you...
by sometimesinvestor
Sun Oct 13, 2019 7:05 pm
Forum: Personal Consumer Issues
Topic: Office etiquette - gift to ex boss?
Replies: 10
Views: 749

Re: Office etiquette - gift to ex boss?

I like a letter or note now and a gift at retirement(the retirement of your ex boss)
by sometimesinvestor
Wed Oct 09, 2019 5:39 pm
Forum: Personal Consumer Issues
Topic: Hotel mini bar - rude to use for own stuff
Replies: 42
Views: 6224

Re: Hotel mini bar - rude to use for own stuff

ASk the hotel when you check in. I think most would say ok
by sometimesinvestor
Sat Sep 21, 2019 7:03 pm
Forum: Personal Investments
Topic: Currently invested in 100% stock
Replies: 130
Views: 13864

Re: Currently invested in 100% stock

Sometime in your 40s you may wish to decide that stocks are overvalued.At that point move to 80-20
by sometimesinvestor
Wed Sep 04, 2019 1:00 pm
Forum: Investing - Theory, News & General
Topic: "I Embrace Dumb Beta"
Replies: 10
Views: 1088

Re: "I Embrace Dumb Beta"

I have trouble understanding the praise of ALL of this advice and I would ask in particular why a person in a high tax bracket should have no more than 20% of his/her money in tax free mini funds .Does he mean that person should emphasize individual bonds or stocks or taxable cash or real estate or ...
by sometimesinvestor
Thu Aug 22, 2019 5:59 pm
Forum: Personal Investments
Topic: New money, 401k vs I-bonds
Replies: 5
Views: 615

Re: New money, 401k vs I-bonds

i bonds look like a reasonable place to invest at this time when you compare yield and risk to 10 year bonds
by sometimesinvestor
Sat Aug 10, 2019 8:47 pm
Forum: Personal Investments
Topic: I'm 31, and 95% stocks. Given economy indicators, would moving 20-30% to BND be "timing"?
Replies: 67
Views: 6413

Re: I'm 31, and 95% stocks. Given economy indicators, would moving 20-30% to BND be "timing"?

It might be a good decision and it might not work out. If you are nervous about the market reduce your risk.You will sleep better and it might make it easier to stay the course. The only thing puzzling is to make the move in a taxable account and generate capital gains. Why not do it in an IRA, 401k...
by sometimesinvestor
Wed Aug 07, 2019 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 329
Views: 28196

Re: Social Security -- Take it at 62, 67 or 70

To all who are single without young kids your dr. is a better adviser than your cfp
by sometimesinvestor
Tue Aug 06, 2019 2:09 pm
Forum: Investing - Theory, News & General
Topic: Is anyone running 50/50 stock bond who is younger?
Replies: 45
Views: 4518

Re: Is anyone running 50/50 stock bond who is younger?

At this time investing in a high % of bonds seems to ignore most measures of value. %0% cash and 59% equities I certainly understand
by sometimesinvestor
Thu Jul 11, 2019 6:46 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation of the Ultra-Wealthy, can I copy their portfolio with index funds?
Replies: 63
Views: 5368

Re: Asset Allocation of the Ultra-Wealthy, can I copy their portfolio with index funds?

I liked the suggestion that if you can't buy private equity and you probably should not.(I think its like the rule about IPOs : of you are offered the opportunity to buy into an IPO before it goes public you probably shouldn't as that suggests the "smart money was not enthusiastic) but as noted you ...
by sometimesinvestor
Wed Jul 10, 2019 1:12 pm
Forum: Personal Investments
Topic: Prime Money Market or Total Bond Market
Replies: 63
Views: 7378

Re: Prime Money Market or Total Bond Market

I agree with the majority of comments. Its a time frame problem In the next few years no one knows.Over a long period of time greater risk (the bond fund) should result in greater reward. If you reinvest the interest payments and and interest rates go up the net asset value of the bond fund will go ...
by sometimesinvestor
Mon Jul 08, 2019 8:23 pm
Forum: Personal Investments
Topic: My asset allocation for an agressive 29 yo - any thoughts?
Replies: 19
Views: 1923

Re: My asset allocation for an agressive 29 yo - any thoughts?

unlike some i think 5% in bonds at least gives youa fund source if the market drops about 8%


While 25% may be too much in Reits its impossible to forecast the future so it could work out. Bottom line: its not what I would do but its rational.
by sometimesinvestor
Sat Jul 06, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: LTC insurance -- where do the premiums go?
Replies: 8
Views: 587

Re: LTC insurance -- where do the premiums go?

insurance COMPANIES DIDA POOR JOB ON ESTIMATING HOW TO CALCULATE RISK HENCE RECENT rATE INCREASES.The older the policy you have the more likely it is to be a good one. One error the companies made was incorrectly estimating how long people would keep their policy before cancelling.They overestimated...
by sometimesinvestor
Sat Jul 06, 2019 8:44 am
Forum: Personal Investments
Topic: VALIC 457 options - which to potentially choose?
Replies: 16
Views: 719

Re: VALIC 457 options - which to potentially choose?

Surprised there is no stable income fund. Did you include all funds or just the funds you felt were worth while
by sometimesinvestor
Tue Jul 02, 2019 5:12 pm
Forum: Personal Investments
Topic: Bond Allocation Doesn’t Fit In Tax-Deferred Accounts
Replies: 16
Views: 1391

Re: Bond Allocation Doesn’t Fit In Tax-Deferred Accounts

Are you from California.? IF so it seems likely that you should have tax free bonds from California . Your Portfolio seems large enough that you are ina bracket where tax free isa good idea.OF course if we knew the stock market will continue to up a do nothing strategy will work best but of course w...
by sometimesinvestor
Wed Jun 26, 2019 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Any insurance beating USAA?
Replies: 42
Views: 3382

Re: Any insurance beating USAA?

Most people who have USAA are generally pleased as are most people with Amica
by sometimesinvestor
Sat May 18, 2019 3:07 pm
Forum: Personal Investments
Topic: I don't even know how to categorize this... help?
Replies: 28
Views: 2328

Re: I don't even know how to categorize this... help?

A significant reason for the underperformance by emerging market funds over the period you named is the strength of the dollar. A strong dollar is doubly bad for emerging markets as it increases the cost of borrowing by these countries and the NAV is first computed in local currency which looks bad ...
by sometimesinvestor
Sat May 11, 2019 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Changing State Tax Question on 401K
Replies: 5
Views: 436

Re: Changing State Tax Question on 401K

Duckie's info is correct but if you area govt employee in NYS near retirement you probably know this.
by sometimesinvestor
Sat May 11, 2019 7:38 pm
Forum: Personal Investments
Topic: What's my next step? (Edited / Updated with portfolio details)
Replies: 15
Views: 1576

Re: What's my next step?

I think your responses are minimal because you have not told us enough.Do you have retirement accounts, , an emergency fund how much capital gains in your taxable account . What are the choices in your retirement account etc,etc,etc As a first step go toa library and find out what value line thinks ...
by sometimesinvestor
Thu May 09, 2019 4:27 pm
Forum: Investing - Theory, News & General
Topic: Reversion to the Mean Is Dead?
Replies: 63
Views: 7408

Re: Reversion to the Mean Is Dead?

I think “reversion to the mean” doesn’t belong in this story so much. He’s really noting that disrupters are a natural part of Schumpeter’s Creative Destruction......and, that some companies that appear “cheaply priced” might be trading that way for good reasons. I don’t see the article as “the mar...
by sometimesinvestor
Mon Apr 29, 2019 9:16 pm
Forum: Personal Investments
Topic: Breaking free from advisor!
Replies: 12
Views: 1230

Re: Breaking free from advisor!

I think adding 185k in short term gains to a " currently high income: seems wrong . Assuming your current adviser is not complete numskull

kill you should certainly wait till all your gains are long term before dropping him'her
by sometimesinvestor
Sun Apr 28, 2019 12:52 pm
Forum: Personal Investments
Topic: Advice on wife's 401k fund selection
Replies: 9
Views: 646

Re: Advice on wife's 401k fund selection

What is the rate on the stable income fund?. You may want to split the bond investment with up to half the money in that as it will provide downside protection if interest rates rise as is likely though not certain.
by sometimesinvestor
Sat Apr 13, 2019 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block, no de minimis election?
Replies: 7
Views: 737

Re: H&R Block, no de minimis election?

I am unfamiliar with the issue but a possible answer which youprobably won't like is that you needed to buy a different (and more expensive software)f https://www.amazon.com/Block-Software-Premium-Exclusive-Download/dp/B07HJ18LXW c Or perhaps this one https://www.hrblock.com/tax-software/premium-tax...
by sometimesinvestor
Sat Apr 13, 2019 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: reporting state-exempt dividends? (VNYUX)
Replies: 2
Views: 221

Re: reporting state-exempt dividends? (VNYUX)

When I used the HR block software on the Vanguard ny tax free money market I reported 0 for total and qualified dividends and the appropriate amount for exempt interest dividends and the state as NY When I clicked next at the bottom of the page it asked me how much of the dividend was exempt in the ...
by sometimesinvestor
Sat Apr 13, 2019 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign tax credit & 1116 form - simplified? first year?
Replies: 5
Views: 458

Re: Foreign tax credit & 1116 form - simplified? first year?

I can only say that I elected that option when I first filled out the form. I will also mention that in my experience the form has always given the conclusion that the foreign tax credit is what I think it will be .i.e the sum of the foreign tax credit for all my international funds. My tax software...
by sometimesinvestor
Sat Apr 06, 2019 6:03 pm
Forum: Investing - Theory, News & General
Topic: When to add bonds?
Replies: 37
Views: 3129

Re: When to add bonds?

I have no problem with your not holding bonds but if it were 37 years ago and long term treasuries w ere paying more than 10% you should own some.AS suggested do have some cash perhaps a floating rate fund. When you retire (a long time from know) you should ideally have a 3 year emergency fund as it...
by sometimesinvestor
Wed Apr 03, 2019 4:54 pm
Forum: Personal Investments
Topic: I bought a stock for the first time.
Replies: 66
Views: 4368

Re: I bought a stock for the first time.

Buy apple at 150,Facebook at 75 and AT+T at 20. IF the price doesn't get there oh well. The Apple transaction worked.I think the secret of individual stocks is that you think the purchase is like shooting fish in a barrel.
by sometimesinvestor
Sat Mar 30, 2019 5:17 pm
Forum: Personal Investments
Topic: Safe way to "bet" against LYFT?
Replies: 36
Views: 4138

Re: Safe way to "bet" against LYFT?

You can buy a put that will expire ina few days or one that will not expire fora year. You should decide what you think will happen and decide what bet you want to take.My understanding of expert consensus is that LYFT will go up fora while and then down fora while but the time period and magnitude ...
by sometimesinvestor
Sat Mar 30, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody else get a huge tax increase due to SALT deduction changes?
Replies: 101
Views: 7742

Re: Anybody else get a huge tax increase due to SALT deduction changes?

I confess I did not read past the first few comments but in case the suggestion was not made by others here it is from me. I moved mutual funds worth about 3 times my usual charity donation on which I had significant capital gains in a taxable account into the Fidelity Donor advised fund. Its better...
by sometimesinvestor
Sat Jan 19, 2019 8:13 pm
Forum: Personal Investments
Topic: Ny 457 plan: bond index fund or stable fund
Replies: 21
Views: 1130

Re: Ny 457 plan: bond index fund or stable fund

It really depends on your view of interest rates If you think they will rise in the next few months the stable funds is betterI personally think the bond fund does not compensate you for the risk until its current yield is at least 2% higher but others might disagree. In the next 3 months I doubt yo...
by sometimesinvestor
Wed Dec 19, 2018 7:39 pm
Forum: Personal Investments
Topic: What should my AA be?
Replies: 3
Views: 416

Re: What should my AA be?

Since you are in your mid 40s it is possible you were investing in 2008 2010 > What did you do . If you continued investing periodically without reducing stock investments you have a reasonably high risk tolerance and 70% stocks for roughly the next 10 years is reasonable if you sold stocks and dud ...
by sometimesinvestor
Wed Dec 12, 2018 7:27 pm
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 249
Views: 22549

Re: What Happened to you during the Financial crisis of 2007–2008

I wAS LUCKY. i RETIRED IN LATE 2008 WITHA PENSION LARGE ENOUGH TO LIVe ON. tHIS PREVENTED ME FROM PANICKING SO ALL i DID WAS SELL THE EQUITY FUNDS ON WHICH i HAD A LOSS INA TAXABLE ACCOUNT and replace them with other equity funds. I did not purchase stocks or stock funds until late June of 2009at wh...
by sometimesinvestor
Wed Nov 28, 2018 11:41 pm
Forum: Personal Investments
Topic: Asset allocation—no bonds at all for a young(ish) and broke(ish) investor?
Replies: 49
Views: 3107

Re: Asset allocation—no bonds at all for a young(ish) and broke(ish) investor?

By the time you are in your 40s you will have a decent idea regarding whether stocks are cheap or expensive and how risky you are willing to be.I think you should make your first bond purchase in your 40s if and when you think stocks are high. At that point 20% in stocks or cash (like cds ora money ...
by sometimesinvestor
Thu Oct 11, 2018 12:59 pm
Forum: Personal Investments
Topic: Opinions on a large Roth conversion if we have a 30-40% correction.
Replies: 22
Views: 2538

Re: Opinions on a large Roth conversion if we have a 30-40% correction.

If the market is really going to drop 30% (unlikely ) it will take it time to do so. We are near the end of the year. Try 50k now and 50k early next year.That way you may not raise your tax bracket all that much
by sometimesinvestor
Mon Oct 08, 2018 9:09 pm
Forum: Personal Investments
Topic: Bonds for an aggressive investor
Replies: 25
Views: 2764

Re: Bonds for an aggressive investor

generally i AGREE WITH vINEVIZ. BUT IF YOU WANTED TO BUY A FLOATING RATE FUND AT THIS TIME . I think that might be prudent I would bet that at some point in 2019 0or 2010 the market will be lower than it is today The suggestion for an 80-20 portfolio isa good one as it does almost as well over most ...
by sometimesinvestor
Mon Oct 08, 2018 8:53 pm
Forum: Investing - Theory, News & General
Topic: Child is HS senior: Should college fund have any equities?
Replies: 28
Views: 2439

Re: Child is HS senior: Should college fund have any equities?

My advice4 would be different if it were 2010 but the current market has been up for 8 years so not having much in stocks seems prudent. I agree with 20% or even less. a sMALL % (I.E NOT 0)IS is probably not awful since if you have amassed enough too pay for 4 years of a state school you will probab...
by sometimesinvestor
Mon Oct 08, 2018 8:04 pm
Forum: Personal Investments
Topic: Index vs. actively managed funds....is there a good tool to compare?
Replies: 24
Views: 2368

Re: Index vs. actively managed funds....is there a good tool to compare?

Many Price funds have a great long term record and I am confident performance statistics there from web site reflect fees, The issue is whether out performance will continue in the future and there is no way to know for sure. I am certain you have read the disclaimer that past performance is no guar...
by sometimesinvestor
Mon Oct 08, 2018 7:46 pm
Forum: Personal Investments
Topic: American Funds by Capital Group
Replies: 6
Views: 787

Re: American Funds by Capital Group

Their expense ration while not as low as Vanguards is not high compared to many other fund families and some of their funds have outperformed the indices over time
by sometimesinvestor
Mon Oct 08, 2018 7:40 pm
Forum: Personal Investments
Topic: Save money to invest in January?
Replies: 3
Views: 625

Re: Save money to invest in January?

Probably don't want to invest in taxable before the fund (or ETF)you wish to has its December capital gain distribution) but once that has occurred the difference depends on how the market will do in the short run and that seems unknowable I am sorry but It was not clear to me when you would otherwi...
by sometimesinvestor
Sun Sep 16, 2018 5:52 pm
Forum: Investing - Theory, News & General
Topic: Alternative investments - Art, memorabilia, artifacts, antiques
Replies: 17
Views: 1353

Re: Alternative investments - Art, memorabilia, artifacts, antiques

As is clear from some of the comments ,you have to know what you are doing its .much easier to make money in the stock market (the boglehead process of diversification, buy and hold and watch expenses works quite well and requires limited knowledge)As a minor example I was involved in stamps , which...
by sometimesinvestor
Sat Sep 15, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security Until 70
Replies: 115
Views: 10356

Re: Delaying Social Security Until 70

If you are single the calculations are simple :all that matters is how long you willlive My father died at 55 my mom at 75.I understood I would have to live till 78 to come out ahead if I waited till 70 so I didn't take it at 62 but took it when I retired. ifI am wrong won't go broke and taking it w...
by sometimesinvestor
Thu Jul 26, 2018 1:49 pm
Forum: Investing - Theory, News & General
Topic: [Larry Swedroe: Investors Defy Evidence (why they continue to use active management)]
Replies: 4
Views: 1064

[Larry Swedroe: Investors Defy Evidence (why they continue to use active management)]

http://www.etf.com/sections/index-investor-corner/swedroe-doing-nothing-best-option?nopaging=1 I was really surprised That Larry indicated that Larry had not. taught his daughter about finance even though in his words "she knows next to nothing" You and I might be concerned that in our ignorance we ...
by sometimesinvestor
Wed Jul 25, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance and order of deaths
Replies: 49
Views: 3332

Re: Inheritance and order of deaths

As pointed out its your money(A's). I do not think Lawyers charge that much for an additional paragraph. So forget about simple formulas like per stipes or per capita. If you do not like how the money is distributed in a particular scenario Describe how you want the money distributed if that combina...
by sometimesinvestor
Sun Jul 22, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: "4 Reasons Why We Overcomplicate Investing"
Replies: 30
Views: 5532

Re: "4 Reasons Why We Overcomplicate Investing"

Do you believe interest rates will be higher a year from now? I do and I even believe Taylor does . Therefore put your bond investment in a money market fund now(tax exempt if it produces a better after tax return) and decide in a year if bonds are a better choice.
by sometimesinvestor
Sun Jul 22, 2018 8:35 am
Forum: Personal Investments
Topic: 28yo Needs Help with 401K and Personal Investments
Replies: 19
Views: 2092

Re: 28yo Needs Help with 401K and Personal Investments

Most experts don't think the market will do much better than 8% in the next year or two . OF course they might be wrong but a bird in the hand makes me agree with flyer about the student loan. Follow others advice take 25K out of the emergency fund and pay off the loan and move trhe rest to the Vang...
by sometimesinvestor
Sat Jul 14, 2018 3:01 pm
Forum: Investing - Theory, News & General
Topic: Getting antsy with indexing? Reporter doing story.
Replies: 12
Views: 3192

Re: Getting antsy with indexing? Reporter doing story.

VaR wrote:
Sat Jul 14, 2018 1:48 pm
I'm fascinated with the idea that people actually getting antsy with indexing. Can't wait to read the article.
Indexing is fine Cap weighting aftera 9 year bull market is scary. Full disclosure::: I am uncertain that is the reason why they are antsy .It is however why I am.
by sometimesinvestor
Fri Jul 13, 2018 9:32 am
Forum: Investing - Theory, News & General
Topic: what is the historical real return of total bond?
Replies: 15
Views: 1819

Re: what is the historical real return of total bond?

good time to invest in i bonds/ a real return0f 3/10% , state tax free and tax deferred. nOt good for current income but good as diversifier and risk reducer