Search found 314 matches

by nix4me
Thu Nov 21, 2019 8:46 pm
Forum: Personal Investments
Topic: Agressive Investing of $6mm?
Replies: 36
Views: 3428

Re: Agressive Investing of $6mm?

My question is, what is the best set up for max potential returns at Vanguard? We have no aversion to risk and if the portfolio loses 30-50% some years (or longer), so be it. OK, as long as you would feel the same with a loss of 80-90%. Paul The market has never lost 80-90% - stop the fear mongering.
by nix4me
Thu Nov 21, 2019 7:47 pm
Forum: Personal Investments
Topic: Agressive Investing of $6mm?
Replies: 36
Views: 3428

Re: Agressive Investing of $6mm?

100% VTI is what i would do.
by nix4me
Fri Nov 08, 2019 10:31 pm
Forum: Personal Investments
Topic: Fidelity vs Vanguard
Replies: 54
Views: 7454

Re: Fidelity vs Vanguard

Fidelity is better. Vanguard ok.
by nix4me
Fri Nov 08, 2019 10:13 pm
Forum: Personal Investments
Topic: Inherited IRA Strategy
Replies: 13
Views: 1118

Re: Inherited IRA Strategy

Just take the money and pay the taxes. if you need it, spend it. If not, invest it in a taxable account. Giving money away to keep from paying taxes is dumb.
by nix4me
Fri Nov 08, 2019 4:37 pm
Forum: Personal Investments
Topic: Investing in Taxable Account. Good or bad?
Replies: 20
Views: 2114

Re: Investing in Taxable Account. Good or bad?

Equal amounts is good. Max 401K, Roth IRA and the rest in taxable but don't ignore taxable. Its good to have money. And Capital gains rate is usualy less than ordinary income rate.
by nix4me
Sun Nov 03, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP or THP
Replies: 5
Views: 471

Re: HDHP or THP

Thanks for the replies
by nix4me
Wed Oct 30, 2019 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP or THP
Replies: 5
Views: 471

HDHP or THP

So it's time to enroll and i could use some advice although the choice seems obvious to me. HDHP Plan Premium - $5208 Deductible - $3000 Co insurance after deductible - 80/20 Out of Pocket Max - 6000 HSA from employer - $500 Traditional Premium - $8279 Deductible - $2400 + $200 pharmacy Co insurance...
by nix4me
Wed Oct 30, 2019 10:55 am
Forum: Personal Investments
Topic: Taxable Account
Replies: 9
Views: 808

Re: Taxable Account

Use Fidelity. ITOT etf is very tax efficient
by nix4me
Mon Oct 21, 2019 11:21 am
Forum: Personal Investments
Topic: Roth IRA
Replies: 14
Views: 1541

Re: Roth IRA

My opinion is 100% in VTI for accumulation phase.
Then add some BND in preservation phase.
by nix4me
Thu Oct 10, 2019 10:43 am
Forum: Personal Investments
Topic: Savings
Replies: 21
Views: 2106

Re: Savings

What about something like the lifestrategy income fund at Vanguard? It’s an extremely conservative 20/80 fund.
by nix4me
Wed Oct 09, 2019 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Savings Rate drops to 1.8%
Replies: 43
Views: 6345

Re: Ally savings rates dropping — again — from 1.90% to 1.80%

You do realize that savings rates and cd rates follow the federal interest rates - right? It’s a race to zero right now - down down down
by nix4me
Tue Oct 08, 2019 3:45 pm
Forum: Personal Investments
Topic: Yet Another Can We Retire Thread
Replies: 11
Views: 1847

Re: Yet Another Can We Retire Thread

I’d call and quit right now and be retired tomorrow morning.
by nix4me
Tue Oct 08, 2019 10:39 am
Forum: Personal Investments
Topic: Taxable investment account for college?
Replies: 114
Views: 6428

Re: Taxable investment account for college?

We are in the 12?% tax bracket at the moment, and would likely move up to 22% later when spouse is working more. angelescrest, Please verify that whether you qualify for the following tax credits if you max up your Trad. 401K. https://www.irs.gov/credits-deductions/individuals/earned-income-tax-cre...
by nix4me
Tue Oct 08, 2019 10:36 am
Forum: Personal Investments
Topic: Taxable investment account for college?
Replies: 114
Views: 6428

Re: Taxable investment account for college?

miamivice wrote:
Tue Oct 08, 2019 9:42 am
KlangFool wrote:
Sun Oct 06, 2019 6:19 pm
401K is not retirement money. You can withdraw them penalty-free before 59 1/2 years old.
This statement is plain wrong. You generally cannot access 401k money prior to retirement penalty / 59.5 penalty free.
Wrong. Rule of 55 a you should research it.
by nix4me
Mon Oct 07, 2019 11:14 am
Forum: Personal Investments
Topic: Starting out- Roth IRA-ETF's
Replies: 13
Views: 1181

Re: Starting out- Roth IRA-ETF's

VTI for the win.
by nix4me
Mon Oct 07, 2019 10:51 am
Forum: Personal Investments
Topic: Reality check
Replies: 21
Views: 2914

Re: Reality check

Put it all in SWHGX and go do something fun. Hiring an advisor is silly. It’s similar to the VAnguard lifestrategy funds.
by nix4me
Sat Oct 05, 2019 8:00 pm
Forum: Personal Investments
Topic: All in on VT?
Replies: 30
Views: 4748

Re: All in on VT?

International is terrible. Use VTi instead.
by nix4me
Mon Sep 30, 2019 11:09 am
Forum: Personal Investments
Topic: 401k & IRA Maxed Out- Now What?
Replies: 10
Views: 953

Re: 401k & IRA Maxed Out- Now What?

Buy VTI and VMMXX in taxable account.
by nix4me
Mon Sep 30, 2019 10:44 am
Forum: Personal Investments
Topic: Vanguard has almost no funds with $1k minimums??
Replies: 24
Views: 1763

Re: Vanguard has almost no funds with $1k minimums??

Buy ETF. I taught my daughter how to buy VTI. And the cash stays in the settlement money market. That’s all she needs to know.
by nix4me
Thu Sep 19, 2019 10:59 am
Forum: Personal Investments
Topic: Newly widowed need investment advice
Replies: 35
Views: 2213

Re: Newly widowed need investment advice

You might consider putting the entire amount in a balanced fund such as Vanguard Balanced or one of the Lifestrategy funds. Then just pull the 4% each year. Simple and cheap Or if you want to stay with Fidelity then a simple 2 fund approach would be: 40-60% in FZROX total stock index 40-60% in FXNAX...
by nix4me
Thu Sep 19, 2019 10:49 am
Forum: Personal Investments
Topic: One Fund that meets the Bogleheads 3 fund portfolio.
Replies: 14
Views: 1902

Re: One Fund that meets the Bogleheads 3 fund portfolio.

IShares AOM meets your criteria.

It’s called the iShares Core Moderate Allocation ETF

Or AOK - more conservative
by nix4me
Tue Sep 17, 2019 9:02 pm
Forum: Personal Investments
Topic: Please help me invest a little sentimental mad money
Replies: 40
Views: 2675

Re: Please help me invest a little sentimental mad money

I second the idea of buying some stocks that remind you of her. Then every year on her birthday or your birthday, pull up the account balance and have a laugh....
by nix4me
Wed Sep 11, 2019 11:04 am
Forum: Personal Investments
Topic: Direct deposit/transfer to directly to fund at Vanguard
Replies: 5
Views: 618

Re: Direct deposit/transfer to directly to fund at Vanguard

He is asking about direct deposit, not a transfer. Like a payroll deposit. Mine goes into the settlement fund then I I transfer from there.
by nix4me
Tue Sep 10, 2019 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: [Frustrated with Vanguard advisory service] Procedures on Death of a Spouse
Replies: 47
Views: 4860

Re: Vanguard Insane (?) Procedures on Death of a Spouse

Vanguard will refuse to even speak with you. Not on the account they will verbally tell you they will not speak with you. I tried to help clarify a problem when setting up my 18 year old daughter's brokerage account and the guy told me that he would not talk to me and to take him off speaker so he c...
by nix4me
Tue Sep 10, 2019 3:56 pm
Forum: Personal Investments
Topic: Selecting funds in Fidelity - 403(b)
Replies: 9
Views: 618

Re: Selecting funds in Fidelity - 403(b)

100% in the Fidelity 500 fund is what I would do at your age.
by nix4me
Mon Sep 09, 2019 9:23 pm
Forum: Personal Investments
Topic: How to beat 2% safely?
Replies: 49
Views: 6235

Re: How to beat 2% safely?

Navy Federal CD or pay off mortgage or settle for 2% VMMXX

Otherwise you gotta take some risk. perhaps a 20/80 fund like Lifestrategy Income.
by nix4me
Sun Sep 08, 2019 10:16 am
Forum: Personal Investments
Topic: Help with moms CD ladder/ira CD setup, check my logic please
Replies: 8
Views: 1107

Re: Help with moms CD ladder/ira CD setup, check my logic please

CD rates are becoming terrible. A 20/80 fund or 2-fund might be in order. Life the Vanguard Lifestrategy Income fund. It at least keeps up with inflation.
by nix4me
Fri Sep 06, 2019 10:45 am
Forum: Personal Investments
Topic: Target Date 2035 Allocation
Replies: 4
Views: 407

Re: Target Date 2035 Allocation

Spending more time focused on making and saving money is a better use of your time than tinkering with AA.
by nix4me
Wed Sep 04, 2019 1:38 pm
Forum: Personal Investments
Topic: How to determine three-fund portfolio weights?
Replies: 13
Views: 1070

Re: How to determine three-fund portfolio weights?

Make sure you do some backtesting to understand how terrible different international is and has been so you understand how your portfolio will can under perform or outperform with large amounts of international. Then make an informed decision. Made some repairs. Doesn’t change the numbers.
by nix4me
Wed Sep 04, 2019 12:48 pm
Forum: Personal Investments
Topic: How to determine three-fund portfolio weights?
Replies: 13
Views: 1070

Re: How to determine three-fund portfolio weights?

Make sure you do some backtesting to understand how terrible international is and has been so you understand how your portfolio will under perform with large amounts of international. Then make an informed decision.
by nix4me
Mon Sep 02, 2019 1:53 pm
Forum: Personal Investments
Topic: Income stream for 10 years
Replies: 39
Views: 4849

Re: Income stream for 10 years

IShares AOK. It’s a 30/70 allocation. Very similar to Vanguard life strategy conservative.
by nix4me
Sat Aug 31, 2019 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Minimum to keep in checking account?
Replies: 40
Views: 3317

Re: Minimum to keep in checking account?

I use YNAB so I keep over a month ahead. Right now I’m at about 50 days ahead. I keep $15k in savings for emergency and the rest goes to investments.
by nix4me
Fri Aug 30, 2019 12:09 pm
Forum: Personal Investments
Topic: Portfolio Review - BAM Portfolio
Replies: 98
Views: 7676

Re: Portfolio Review - BAM Portfolio

As referenced in a previous topic I am also having difficulty staying the course with what I perceive as under performance of my portfolio which is currently with Buckingham. I don't necessarily have any issues with the firm but I am at a point where I am going to move to a self managed portfolio. ...
by nix4me
Fri Aug 30, 2019 12:08 pm
Forum: Personal Investments
Topic: Portfolio Review - BAM Portfolio
Replies: 98
Views: 7676

Re: Portfolio Review - BAM Portfolio

90% in s&p 500 or total stock index fund.
10% in your cd ladder

Done
by nix4me
Thu Aug 29, 2019 8:48 pm
Forum: Personal Investments
Topic: Investment/Savings for a child
Replies: 4
Views: 359

Re: Investment/Savings for a child

middle to upper class get screwed with FAFSA.
by nix4me
Thu Aug 29, 2019 6:08 pm
Forum: Personal Investments
Topic: Replicate VT in 401k too expensive?
Replies: 16
Views: 528

Re: Replicate VT in 401k too expensive?

just use s&p. do a back test, identical to total stock funds.
by nix4me
Mon Aug 26, 2019 2:48 pm
Forum: Personal Investments
Topic: Need Advice: Checking/Savings Accounts
Replies: 22
Views: 2223

Re: Need Advice: Checking/Savings Accounts

USAA: joint checking
USAA: savings
USAA: 1.5% cash back credit card, used for everything possible

Vanguard Taxable Brokerage:
Emergency fund in Federal Money Market settlement
Taxable investments in VTI

Fidelity;
401K
Roth IRA

Vanguard:
Wife’s Roth IRA

Florida FRS:
Wife’s retirement account
by nix4me
Mon Aug 26, 2019 11:07 am
Forum: Personal Investments
Topic: Lump sum multiple bonuses next few months?
Replies: 22
Views: 1705

Re: Lump sum multiple bonuses next few months?

I would lump sum it into VTI or VTSAX.
by nix4me
Sat Aug 24, 2019 10:37 am
Forum: Personal Investments
Topic: Sudden infusion of cash “problems”
Replies: 26
Views: 2478

Re: Sudden infusion of cash “problems”

I would pay off the mortgage.
Finish funding emergency fund if you don't have one.
Finish funding the 529's.
Put the rest in VTI.
Go have a nice dinner and say a little prayer to thank whoever left you that money.
Then i would invest the house payment into whatever balances your AA each month.
by nix4me
Wed Aug 21, 2019 9:58 pm
Forum: Personal Investments
Topic: Inverted Yield Curve - Anyone making portfolio changes?
Replies: 27
Views: 3278

Re: Inverted Yield Curve - Anyone making portfolio changes?

something happen? oh yeah, i bought more stock, just like 2 weeks ago, and the 2 weeks before, and 2 weeks before......
by nix4me
Wed Aug 21, 2019 7:25 pm
Forum: Personal Investments
Topic: JL Collins - You Did It Again :)
Replies: 10
Views: 2281

Re: JL Collins - You Did It Again :)

Fantastic video! Love JLCollins. I'm a 100% total market adopter as well after reading all of his material and watching all of his videos.
by nix4me
Wed Aug 21, 2019 4:28 pm
Forum: Personal Investments
Topic: 36, some qu re: retirement
Replies: 4
Views: 710

Re: 36, some qu re: retirement

Do not use Edward Jones.

Call Vanguard, or Fidelity or Schwab and have it transferred. Then divy it up however you like.
by nix4me
Wed Aug 21, 2019 4:21 pm
Forum: Personal Investments
Topic: VFIAX or VOO?
Replies: 21
Views: 1251

Re: VFIAX or VOO?

If you want to make automatic monthly or weekly investments with a certain dollar amount - use the mutual fund.
If you want to dump a chunk in periodically, manually, use the ETF.
by nix4me
Wed Aug 21, 2019 4:20 pm
Forum: Personal Investments
Topic: VFIAX or VOO?
Replies: 21
Views: 1251

Re: VFIAX or VOO?

FelixTheCat wrote:
Wed Aug 21, 2019 2:15 pm
I like to reinvest my dividends. It's easy with a mutual fund.
ETF works the same, dividends are re-invested if you want.
by nix4me
Thu Aug 15, 2019 12:48 pm
Forum: Personal Investments
Topic: Taxable Investment Portfolio Construction Feedback
Replies: 11
Views: 844

Re: Taxable Investment Portfolio Construction Feedback

Most of those don’t belong in a taxable account.
by nix4me
Mon Aug 12, 2019 10:51 am
Forum: Personal Investments
Topic: VTI vs. FSKAX for Taxable Account
Replies: 14
Views: 1809

Re: VTI vs. FSKAX for Taxable Account

ITOT for the win

Or FZROX if you must use mutual fund.