Search found 20 matches

by CountOnIt
Wed Jun 19, 2019 1:44 pm
Forum: Personal Investments
Topic: pension, 403b, 457 questions
Replies: 14
Views: 976

Re: pension, 403b, 457 questions

Only I have a traditional IRA (in VG). It is an IRA where I placed all my old 401ks in. Is this the existing traditional IRA you are referring to? I do not contribute to it..it simply holds my old tax deferred money. I don't think I can contribute a tax deferred amount , if I am already contributin...
by CountOnIt
Wed Jun 19, 2019 1:19 pm
Forum: Personal Investments
Topic: Investment question for 76 year old mom
Replies: 19
Views: 2023

Re: Investment question for 76 year old mom

So the Money Market solution seems like the best all around. I would disagree with that statement. I disagree with that thinking as well. Putting all her money into money market subjects her to a lot of risk due to inflation. ... I would recommend buying $10K of I-Bonds a year (plus $5K with tax re...
by CountOnIt
Wed Jun 19, 2019 12:39 pm
Forum: Personal Investments
Topic: pension, 403b, 457 questions
Replies: 14
Views: 976

Re: pension, 403b, 457 questions

Any recommendations on splitting contributions between the available plans is welcome. Unless there are matching funds in a 403b, I would place tax-deferred dollars in the 457. I'm guessing your trowe option has access to "EQUITY INDEX TRUST CLASS C," with a 0.06% expense ratio. That is probably a ...
by CountOnIt
Wed Jun 19, 2019 10:00 am
Forum: Personal Investments
Topic: pension, 403b, 457 questions
Replies: 14
Views: 976

Re: pension, 403b, 457 questions

Is there a reason why she is contributing to the 403(b) rather than the 457? Is she making a conscious decision here (better investment options, employer match, other reason?) or did she just pick the 403(b) because it is more common? My understanding is that, while both are tax-deferred, the 457 is...
by CountOnIt
Sun May 26, 2019 9:56 am
Forum: Personal Investments
Topic: i-bonds
Replies: 5
Views: 1539

Re: i-bonds

I have had this debate, myself.If you have the liquidity and are have made up your mind to buy this year (and the only question is sooner or later), I would go ahead and buy for the following reasons: As stated earlier, the current fixed rate (0.5%) is already pretty good. If the rate improves in No...
by CountOnIt
Tue Oct 09, 2018 1:15 pm
Forum: Personal Investments
Topic: Question about how TLH works with ETFs
Replies: 3
Views: 310

Re: Question about how TLH works with ETFs

Reading the Vanguard site, it appears that if I sold IXUS and immediately bought a replacement, and didn't have the funds in my settlement fund to pay for the replacement, then this would be a violation (at least in a cash account), correct? I think I know the rule you are talking about and I belie...
by CountOnIt
Sun Jun 24, 2018 2:21 am
Forum: Personal Finance (Not Investing)
Topic: Compliments for Vanguard?
Replies: 40
Views: 3833

Re: Compliments for Vanguard?

I'm a little embarrassed to say I'm a new Vanguard customer - it's a move I should have made long ago. :oops: Compliments: I'm happy with the website design - very easy to open accounts and to execute a backdoor ROTH. I have called in several times and spoke to a human with little or no wait. They w...
by CountOnIt
Sat Jun 16, 2018 9:56 pm
Forum: Investing - Theory, News & General
Topic: Flaw in Logic? CD ladder instead of bond funds
Replies: 80
Views: 9024

Re: Flaw in Logic? CD ladder instead of bond funds

You obviously can't make a big shift into them all at once ($10K/year/person), but if you have a spouse, you could acquire $40K exposure across the next 7 months. Isn't it really $15k/year/person, if you game it right? That is, $10k electronic and $5k paper via a tax refund? And gaming it by withho...
by CountOnIt
Fri Jun 15, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 14125

Re: Which boglehead rule do you break--and are ok with

But since it's me (and I've lived with me a long time), I can tell you what will probably happen. Me: "Hello, I want life insurance." Agent: "It's $X per month." Me: "But I don't want a medical examination." Agent: "Oh, then it's $X+Y per month." Me: "That's too expensive, never mind." I guess the ...
by CountOnIt
Fri Jun 15, 2018 3:14 pm
Forum: Personal Investments
Topic: Where to invest $50K+ down payment money for five years?
Replies: 73
Views: 7895

Re: Where to invest $50K+ down payment money for five years?

Thanks for the advice. What are some good resources involving Ibonds? I am almost completely ignorant on the subject, save for the little i read in Boglehesds Guide, which did not seem to praise them very highly. You buy them directly on the treasurydirect.gov website. They also have information on...
by CountOnIt
Fri Jun 15, 2018 2:49 pm
Forum: Personal Investments
Topic: Where to invest $50K+ down payment money for five years?
Replies: 73
Views: 7895

Re: Where to invest $50K+ down payment money for five years?

Well personally, if it really is a 5 yr time horizon I would dump $10k into I-bonds at the next rate increase. ^ +1 I would recommend: Before you make too many drastic moves, obviously make sure you maintain an emergency fund. Buy $10K/year in I-bonds for the next 5 years (and transition this into ...
by CountOnIt
Fri Jun 15, 2018 2:26 pm
Forum: Investing - Theory, News & General
Topic: Flaw in Logic? CD ladder instead of bond funds
Replies: 80
Views: 9024

Re: Flaw in Logic? CD ladder instead of bond funds

see the bigger picture I just want to remind people the role I-Bonds can play here in your portfolio. After the 1-year holding period they provide great liquidity and competitive returns. If you think inflation will go away during the next 5 years, then you'll be more interested in CD's, but I thin...
by CountOnIt
Fri Jun 15, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Too much house vs. just enough
Replies: 38
Views: 4054

Re: Too much house vs. just enough

Obviously it comes down to personal preference, but I'd be curious to hear your perspectives and the pros and cons of a 3 vs 4 bedroom house. Pros: More room to put up guests. More room to pursue hobbies/fitness. (It this room allows you to have exercise equipment that you actually use, when you ot...
by CountOnIt
Fri Jun 15, 2018 12:34 pm
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 14125

Re: Which boglehead rule do you break--and are ok with

We also don't have life insurance, despite having a one-year-old. It's been on my to-do list, but who has the time? While not a BH rule I think this is one I wouldn't delay and I would make time. I'll second that life insurance should be a priority once children are in the picture. FWIW, I would re...
by CountOnIt
Fri Jun 15, 2018 11:45 am
Forum: Investing - Theory, News & General
Topic: PUTW to diversify sequence of returns
Replies: 13
Views: 1138

Re: PUTW to diversify sequence of returns

Thank you for your comments. I obviously want to understand any investment before I enter into it. This is my first discussion on Bogleheads - it is a pleasant experience to be able to air out an idea and to receive thoughtful feedback on it. That said, before costs it probably is more efficient tha...
by CountOnIt
Fri Jun 15, 2018 9:56 am
Forum: Investing - Theory, News & General
Topic: PUTW to diversify sequence of returns
Replies: 13
Views: 1138

Re: PUTW to diversify sequence of returns

Saying it "is competitive" implies it has some innate ability to be competitive that will never change. Fair point that I need to be careful about how I talk about past returns. To be fair, I AM positing/asking for confirmation/dispute that the theoretical expected returns should be equivalent in t...
by CountOnIt
Thu Jun 14, 2018 11:15 pm
Forum: Investing - Theory, News & General
Topic: PUTW to diversify sequence of returns
Replies: 13
Views: 1138

Re: PUTW to diversify sequence of returns

Thanks for the feedback. It is worth keeping in mind that the backtests do not include any expenses, and this fund tends to trail the benchmark by a little more than it's expense ratio. So, you lose about .5% per year. So I guess the takeaway is that if I have such a long horizon, I should take my l...
by CountOnIt
Thu Jun 14, 2018 10:14 pm
Forum: Investing - Theory, News & General
Topic: PUTW to diversify sequence of returns
Replies: 13
Views: 1138

Re: PUTW to diversify sequence of returns

That said, what would be your stock/bond allocation if you didn't use PUTW? I am in my 30’s and have a relatively aggressive risk-tolerance. That said, I would certainly be interested in an investment that has an expected return that matches the market in the long-run but provides some diversificat...
by CountOnIt
Thu Jun 14, 2018 3:56 pm
Forum: Investing - Theory, News & General
Topic: 25 month CD at 3%
Replies: 5
Views: 2314

Re: 25 month CD at 3%

For those interested, it looks like the early withdrawal penalty is 6 months.
by CountOnIt
Thu Jun 14, 2018 1:49 pm
Forum: Investing - Theory, News & General
Topic: PUTW to diversify sequence of returns
Replies: 13
Views: 1138

PUTW to diversify sequence of returns

Hello Bogleheads, I'm seeking advice on using PUTW to diversify sequence of return risk on equities. I am thinking of substituting this for a modest portion of my domestic equities in a 3 fund investing approach (Domestic equities, global equities, and debt). It makes intuitive sense to me that PUTW...