Search found 604 matches

by nix4me
Sat Jul 11, 2020 9:02 pm
Forum: Personal Investments
Topic: Current problems with 3 fund approach
Replies: 34
Views: 2120

Re: Current problems with 3 fund approach

Actin wrote:
Sat Jul 11, 2020 8:30 pm
Bonds are a necessary evil for someone going the passive investing route. I don't like it either but you can't argue with the data that shows it historically outperforms 100% equity portfolios
That would be totally incorrect
by nix4me
Sat Jul 11, 2020 1:57 pm
Forum: Personal Investments
Topic: New to Investing - Roth IRA
Replies: 7
Views: 370

Re: New to Investing - Roth IRA

Use the Schwab funds. They are cheap and awesome. With Schwab, investors can construct a three-fund portfolio using: [note 1] Schwab Total Stock Market Index (SWTSX) Schwab International Index (SWISX) Schwab U.S. Aggregate Bond Index Fund (SWAGX) https://www.bogleheads.org/wiki/Three-fund_portfolio
by nix4me
Sat Jul 11, 2020 10:59 am
Forum: Personal Investments
Topic: Current problems with 3 fund approach
Replies: 34
Views: 2120

Re: Current problems with 3 fund approach

The only reason to hold cash or bonds (in my opinion) is to not have to sell stocks during a down market for expenses. Keep a couple years in bonds to weather a storm. Accumulators should be 100% stocks. And international is a terrible investment. 3 funders won’t agree but that’s ok. We all have our...
by nix4me
Sat Jul 11, 2020 9:04 am
Forum: Personal Investments
Topic: Too much in savings?
Replies: 42
Views: 3703

Re: Too much in savings?

You are losing money everyday to inflation.

Take 1-2 years of expenses and leave in cash.
Take the rest and invest it.
by nix4me
Fri Jul 10, 2020 8:11 pm
Forum: Personal Investments
Topic: Investment strategy at 35
Replies: 22
Views: 1592

Re: Investment strategy at 35

100% S&P500 worked well for us at 35 years old...
by nix4me
Fri Jul 10, 2020 8:07 pm
Forum: Personal Investments
Topic: Guidance for Mothers retirement
Replies: 16
Views: 1233

Re: Guidance for Mothers retirement

Impossible to answer without knowing what monthly expenses are.
by nix4me
Wed Jul 08, 2020 7:29 am
Forum: Personal Investments
Topic: Thoughts on GNMA bond funds
Replies: 15
Views: 1580

Re: Thoughts on GNMA bond funds

BND holds like 20-30% GNMA and other mortgage backed securities.
by nix4me
Tue Jul 07, 2020 4:19 pm
Forum: Personal Investments
Topic: COVID Portfolio
Replies: 33
Views: 2334

Re: COVID Portfolio

What happened? My portfolio is higher now than it was in February.
by nix4me
Tue Jul 07, 2020 3:44 pm
Forum: Personal Investments
Topic: Alternatives to Bond Index Funds
Replies: 16
Views: 1054

Re: Alternatives to Bond Index Funds

These are corporate bond funds, so riskier than Total Bond Market or Treasury index funds. Right now there really aren't a lot of good options. You can have safety or you can have yield, but not both. When you are comparing to "bond index funds" are you comparing to comparable corporate bond funds?...
by nix4me
Tue Jul 07, 2020 3:33 pm
Forum: Personal Investments
Topic: Alternatives to Bond Index Funds
Replies: 16
Views: 1054

Re: Alternatives to Bond Index Funds

These are corporate bond funds, so riskier than Total Bond Market or Treasury index funds. Right now there really aren't a lot of good options. You can have safety or you can have yield, but not both. When you are comparing to "bond index funds" are you comparing to comparable corporate bond funds?...
by nix4me
Tue Jul 07, 2020 3:20 pm
Forum: Personal Investments
Topic: Alternatives to Bond Index Funds
Replies: 16
Views: 1054

Re: Alternatives to Bond Index Funds

With the dismal returns on bond index funds, and the probability that interest will increase leading to negative bond returns; I've been looking for an alternative. I have 60% of my portfolio in bond index funds, so I really need a positive return. A Vanguard advisor gave me a tip to look at manage...
by nix4me
Sat Jul 04, 2020 7:46 pm
Forum: Personal Investments
Topic: VOO Dividend was Re-Invested at Wrong Price?
Replies: 21
Views: 1464

Re: VOO Dividend was Re-Invested at Wrong Price?

I think it’s the noon price on ETFs
by nix4me
Thu Jul 02, 2020 12:10 pm
Forum: Personal Investments
Topic: Alternative to Schwab settlement fund
Replies: 14
Views: 1267

Re: Alternative to Schwab settlement fund

Could always buy JPST ultrashort bond.
by nix4me
Thu Jul 02, 2020 12:08 pm
Forum: Personal Investments
Topic: ITOT vs VTI vs FSKAX vs FZROX vs VTSAX for a Fidelity Brokerage
Replies: 43
Views: 2129

Re: ITOT vs VTI vs FSKAX vs FZROX vs VTSAX for a Fidelity Brokerage

ITOT or VTI. Dividends are automatically reinvested.

If you don’t want to use ETFs and you never plan on moving to another brokerage - FZROX

If you just hate ETFs, then use FSKAX.
by nix4me
Wed Jul 01, 2020 7:09 pm
Forum: Personal Investments
Topic: Early 30s investing advice on taxable accounts
Replies: 4
Views: 638

Re: Early 30s investing advice on taxable accounts

VTI or VOO in a Brokerage Account
by nix4me
Wed Jul 01, 2020 4:00 pm
Forum: Investing - Theory, News & General
Topic: 10% bonds in TDF
Replies: 26
Views: 1741

Re: 10% bonds in TDF

All the international stocks and bonds are even worse..

A person in their 20’s should read Simple Path To Wealth and go 100% VTSAX. In my opinion. Focus on income and saving more than portfolio
by nix4me
Wed Jul 01, 2020 2:56 pm
Forum: Personal Investments
Topic: bonds in taxable
Replies: 4
Views: 670

Re: bonds in taxable

I wouldn’t worry about it at that low 12% tax rate
by nix4me
Tue Jun 30, 2020 5:40 pm
Forum: Personal Investments
Topic: LQD Corporate Bond ETF
Replies: 6
Views: 325

Re: LQD Corporate Bond ETF

Duration is pretty long, has some risk. Thanks for the responses.
by nix4me
Tue Jun 30, 2020 2:27 pm
Forum: Personal Investments
Topic: LQD Corporate Bond ETF
Replies: 6
Views: 325

Re: LQD Corporate Bond ETF

That’s what I did, but I chose BND.
by nix4me
Tue Jun 30, 2020 2:23 pm
Forum: Personal Investments
Topic: LQD Corporate Bond ETF
Replies: 6
Views: 325

LQD Corporate Bond ETF

Has anyone noticed that the LQD ETF is gaining tons of assets lately? It’s up to 53.6B invested and rising towards AGG. Any reason for the increase that anyone knows?
by nix4me
Tue Jun 30, 2020 11:11 am
Forum: Personal Investments
Topic: Help with Personal Investments (401k and Brokerage Account)
Replies: 6
Views: 440

Re: Help with Personal Investments (401k and Brokerage Account)

There are no target retirement funds in your 401k?
by nix4me
Mon Jun 29, 2020 8:33 pm
Forum: Personal Investments
Topic: Yet another emergency fund question
Replies: 14
Views: 1864

Re: Yet another emergency fund question

i would buy some dips with it here and there. I got fed up the other day at the Federal MM Settlement Fund and bought some VTI when the 3% dip happened. Cash is going backwards right now. If you have quality funds or ETFs in your taxable, it only takes a day or 2 to get money out so still very liquid.
by nix4me
Mon Jun 29, 2020 3:39 pm
Forum: Personal Investments
Topic: Determining my AA: wisdom vs guts feelings.
Replies: 24
Views: 1435

Re: Determining my AA: wisdom vs guts feelings.

Do they have cd’s in Europe?
by nix4me
Sun Jun 28, 2020 4:36 pm
Forum: Investing - Theory, News & General
Topic: Bond ETF Dividend Data
Replies: 3
Views: 243

Re: Bond ETF Dividend Data

by nix4me
Sun Jun 28, 2020 4:15 pm
Forum: Personal Investments
Topic: Ready for (forced) early retirement?
Replies: 40
Views: 4771

Re: Ready for (forced) early retirement?

Seriously though, low chance of getting 30 to 40 years out of 3% withdrawals from $2.8M with this:

Portfolio: 35 Equities/35 Bonds/30 Cash

Look at the trinity study chart or that fancy withdrawal chart to determine success rate. Or use FireCALC.
by nix4me
Sun Jun 28, 2020 1:11 pm
Forum: Personal Investments
Topic: Ready for (forced) early retirement?
Replies: 40
Views: 4771

Re: Ready for (forced) early retirement?

Barely due to your AA. Your gonna have to step up your equities in order to sustain the needed 3-4% withdrawal rate. In my opinion.

You can live off 35K? How? Doesn’t seem possible in HCOL. 75k - 15k property tax - 24k ACA=
by nix4me
Sun Jun 28, 2020 10:26 am
Forum: Personal Investments
Topic: I want to leave Raymond James -- Please help me decide where to go.
Replies: 57
Views: 2563

Re: I want to leave Raymond James -- Please help me decide where to go.

Fidelity hands down. There are no trading fees to buy Vanguard ETFs at Fidelity.

Fidelity will take care of the move for you, call them.
by nix4me
Sun Jun 28, 2020 10:18 am
Forum: Investing - Theory, News & General
Topic: Bond ETF Dividend Data
Replies: 3
Views: 243

Bond ETF Dividend Data

On “some” Vanguard bond mutual funds, the distribution tab shows the monthly annualized dividend yield percentage - very helpful. But on all ETFs, they don’t show this. Why? Is there a place or website that does?
by nix4me
Sun Jun 28, 2020 8:16 am
Forum: Personal Investments
Topic: Money I may need 4-5 years from now.
Replies: 18
Views: 1046

Re: Money I may need 4-5 years from now.

The Vanguard Balanced Fund is a good choice. Or one of the Lifestrategy Funds. Or a Target retirement fund with the time horizon set to when you need the money.
by nix4me
Sat Jun 27, 2020 6:38 pm
Forum: Personal Investments
Topic: Tax Loss Harvest Question
Replies: 29
Views: 1153

Re: Tax Loss Harvest Question

Will do. Was hoping to find someone that got audited or a tax professional that has been through these audits to verify. But no worries, i'll just do it and provide my evidence. I've found several investment companies that say as long as CUSIP is different you are good to go. So i feel there is hear...
by nix4me
Sat Jun 27, 2020 6:22 pm
Forum: Personal Investments
Topic: Tax Loss Harvest Question
Replies: 29
Views: 1153

Re: Tax Loss Harvest Question

I think: VTI - CUSIP 922908769 VTSAX - CUSIP 922908728 means - not substantially identical. :) So i might try and it and find out. If you sell VTI for a loss in your taxable account and purchase VTI in your IRA, it is a wash sale, but nobody will ring you up and say "OMG, you just made a wash sale!...
by nix4me
Sat Jun 27, 2020 5:12 pm
Forum: Personal Investments
Topic: Tax Loss Harvest Question
Replies: 29
Views: 1153

Re: Tax Loss Harvest Question

I think:
VTI - CUSIP 922908769
VTSAX - CUSIP 922908728

means - not substantially identical. :)

So i might try and it and find out.
by nix4me
Sat Jun 27, 2020 5:09 pm
Forum: Personal Investments
Topic: Tax Loss Harvest Question
Replies: 29
Views: 1153

Re: Tax Loss Harvest Question

Sorry to hijack your thread, but you are 100% correct. IRS Revenue Ruling 2008-5 addresses that. So I learned something today! About 30% of my TLH in April was a mistake; 70% was A-OK. An expensive lesson, no doubt, but better now than 10 years later at 10x the amount. One doesn't have to know abou...
by nix4me
Sat Jun 27, 2020 3:38 pm
Forum: Personal Investments
Topic: Tax Loss Harvest Question
Replies: 29
Views: 1153

Re: Tax Loss Harvest Question

Well that sucks. Guess I should not use VTI in my taxable account then. I should use VOO and then loss harvest that to IVV.
by nix4me
Sat Jun 27, 2020 3:12 pm
Forum: Personal Investments
Topic: Tax Loss Harvest Question
Replies: 29
Views: 1153

Re: Tax Loss Harvest Question

Only if you sell VTI at a loss and if you or your spouse have bought OTHER shares that either of you still hold of VTI or VTSAX within 30 days before you sold for a loss or within 30 days after you sold for a loss. Wait... maybe I'm misunderstanding, but does that mean that selling VTI at a loss fr...
by nix4me
Sat Jun 27, 2020 3:11 pm
Forum: Personal Investments
Topic: Tax Loss Harvest Question
Replies: 29
Views: 1153

Re: Tax Loss Harvest Question

So your saying VTSAX and VTI are considered substantially identical according to the IRS? That’s my real question.

I understand the 30 day before and after rule for VTI.
by nix4me
Sat Jun 27, 2020 2:59 pm
Forum: Personal Investments
Topic: Tax Loss Harvest Question
Replies: 29
Views: 1153

Tax Loss Harvest Question

My wife invests every month in VTSAX in her Roth IRA.
I want to sell some shares of VTI in our taxable account, and buy VOO.

Is this a wash sale?
by nix4me
Sat Jun 27, 2020 11:34 am
Forum: Personal Investments
Topic: PAS advisor portfolio [Why did they setup my accounts like this?]
Replies: 184
Views: 8616

Re: PAS advisor portfolio [Why did they setup my accounts like this?]

Maybe simplify and take less risk?

30% VTSAX
70% VBTLX

Or just buy the Target Retirment Income VTINX fund in each account - its approx 30/70 as well but includes international.
by nix4me
Sat Jun 27, 2020 10:01 am
Forum: Personal Investments
Topic: Fidelity Money Market Fund suggestions?
Replies: 23
Views: 1513

Re: Fidelity Money Market Fund suggestions?

Gotta take more risk to get any return.
Ultra short bond funds such as:
JPST
VUBFX
ICSH
GST
SHV

There are many...
by nix4me
Fri Jun 26, 2020 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Data Breach During Mortgage Process
Replies: 21
Views: 1263

Re: Data Breach During Mortgage Process

Title company stole my credit card # when we were closing on our house a few years ago.
by nix4me
Fri Jun 26, 2020 5:50 pm
Forum: Personal Investments
Topic: Best Hub Bank
Replies: 31
Views: 3035

Re: Best Hub Bank

Navy Federal
by nix4me
Fri Jun 26, 2020 2:26 pm
Forum: Personal Investments
Topic: Thoughts on maxing out Roth's vs 401k max out
Replies: 22
Views: 2097

Re: Thoughts on maxing out Roth's vs 401k max out

retired@50 wrote:
Fri Jun 26, 2020 2:07 pm
The most under-used and misunderstood wiki page should help. Traditional versus Roth.

Read it here: https://www.bogleheads.org/wiki/Traditional_versus_Roth

Regards,
That page is an example of why people give up...
by nix4me
Fri Jun 26, 2020 9:19 am
Forum: Personal Investments
Topic: College Student Beginner Portfolio Advice
Replies: 34
Views: 1197

Re: College Student Beginner Portfolio Advice

Open Roth IRA at Schwab. Ditch robo. Put whatever it takes to get the match in 401k, into 1 fund, s&p 500 index. Split whatever you have left to save 50/50 between Roth IRA and taxable account. Invest those in 1 fund, s&p 500 index. Keep some cash in your checking/savings for emergencies and beer. Y...
by nix4me
Fri Jun 26, 2020 7:37 am
Forum: Personal Investments
Topic: What On Earth To Do With Cash in Taxable Needed in 1-3 Years
Replies: 25
Views: 2812

Re: What On Earth To Do With Cash in Taxable Needed in 1-3 Years

I use BND now for some secondary e-fund cash.

Life strategy income fund is also a good idea.
by nix4me
Fri Jun 26, 2020 7:01 am
Forum: Personal Investments
Topic: What if we add 10% VTI to 90% of VWINX for 50/50 fund
Replies: 13
Views: 795

Re: What if we add 10% VTI to 90% of VWINX for 50/50 fund

If in taxable account, be aware that the bonds are going to throw off dividends and they will be taxable. If you don’t want that, then you might need to look at muni bonds instead of BND.
by nix4me
Thu Jun 25, 2020 5:14 pm
Forum: Personal Investments
Topic: What if we add 10% VTI to 90% of VWINX for 50/50 fund
Replies: 13
Views: 795

Re: What if we add 10% VTI to 90% of VWINX for 50/50 fund

But why?

Why pay the active mangement fees?

50% VTI
50% BND

Done.
by nix4me
Thu Jun 25, 2020 2:37 pm
Forum: Personal Investments
Topic: All traditional 401k or split Roth 401k
Replies: 12
Views: 431

Re: All traditional 401k or split Roth 401k

More info:
We are 48 now, want to retire at 55.
Traditional value is high six figures.
Roth value is high five figures.
Will receive no pensions.
Hoping to take advantage of ACA subsidies.
by nix4me
Thu Jun 25, 2020 12:19 pm
Forum: Personal Investments
Topic: All traditional 401k or split Roth 401k
Replies: 12
Views: 431

All traditional 401k or split Roth 401k

Still can’t make sense of it. We are upper end of 22% bracket mfj. Currently I put 9% traditional 401k and 2% Roth 401k and that about maxes me out. Should I be putting all 11% in traditional? I did 11% traditional forever until last year. I hope to retire early at 55. I’m worried about a tax bomb w...
by nix4me
Wed Jun 24, 2020 12:10 pm
Forum: Personal Investments
Topic: Which bond fund - 401k or Brokeragelink
Replies: 21
Views: 673

Re: Which bond fund - 401k or Brokeragelink

Because the 401k fund is an investment trust. But I guess since the transfer can be made in-kind there will be no issues.
by nix4me
Wed Jun 24, 2020 11:57 am
Forum: Personal Investments
Topic: Which bond fund - 401k or Brokeragelink
Replies: 21
Views: 673

Re: Which bond fund - 401k or Brokeragelink

The only advantage other than the small fee savings that prompted me to ask was possibly easier rollover to IRA once retired.