Search found 197 matches

by Spinola
Fri Dec 13, 2019 1:05 am
Forum: Investing - Theory, News & General
Topic: Semi-Passive Index Fund?
Replies: 13
Views: 820

Re: Semi-Passive Index Fund?

CREF Stock is a hybrid, part tracks the Russell 3000 index, part quantitative and part actively managed, and is 70% US, 30% international. I am sure there are more funds like this.

https://www.tiaa.org/public/investment- ... =268555492
by Spinola
Wed Nov 27, 2019 10:34 am
Forum: Investing - Theory, News & General
Topic: Starting my Roth at 46 , I'm still ahead of a lot of people right?
Replies: 26
Views: 3450

Re: Starting my Roth at 46 , I'm still ahead of a lot of people right?

You are 4 years ahead of me, and most people. I didn't start Roth IRA contributions until I was 50.. It's all relative. I am still on track to retire at 62. Everyone's situation is different.
It's only too late once you are dead. Until then, plan, save, contribute, invest.. :sharebeer
by Spinola
Fri Oct 25, 2019 9:28 am
Forum: Investing - Theory, News & General
Topic: BND vs TIAA Traditional for Fixed Income
Replies: 8
Views: 417

Re: BND vs TIAA Traditional for Fixed Income

Some of my TIAA vintages are earning 4% to 4.4 % and a guaranteed rate of 3% on most of my vintages (1994-2001 and 2002 -2011), which are in the illiquid fund. Overall, given the current gloomy outlook, I am happy to have TIAA traditional option, about 37% of my AA, and another 2.5% is in VBTLX and ...
by Spinola
Mon Jul 29, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: Box wine- update and recommendations?
Replies: 73
Views: 6459

Re: Box wine- update and recommendations?

Image

My local store has this for $15.99 for 3 L. Very good.
by Spinola
Tue Jul 09, 2019 1:23 pm
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 278
Views: 25844

Re: Crypto bulls are back. Are you getting in?

The crypto bulls are in fact racing, right off a cliff. BTC is over $12K. :oops:
by Spinola
Mon Jul 08, 2019 10:40 pm
Forum: Investing - Theory, News & General
Topic: International REIT
Replies: 69
Views: 11911

Re: International REIT

I invest in DFGEX- DFA Global Real Estate Securities, about 6.6 % of my portfolio.. https://www.morningstar.com/funds/xnas/dfgex/quote.html It is composed of approximately 2/3 US REIT and 1/3 international REITs. It has served me well. I also have about 2% (target is 4 to 5%) in TIAA Real Estate to ...
by Spinola
Thu Jul 04, 2019 12:46 am
Forum: Investing - Theory, News & General
Topic: Unsolicited Diamond Investment Call
Replies: 26
Views: 2276

Re: Unsolicited Diamond Investment Call

I would have offered to sell HER some blood diamonds.. :mrgreen:

Never answering unknown numbers is a great idea. I do this. Over the years this saved me many hours, possibly even days of my lifetime. This time recovered by not listening to sales pitches or outright scams, is well worth it.
by Spinola
Sun Jun 30, 2019 9:21 pm
Forum: Investing - Theory, News & General
Topic: What do you hold in your IRA and Why?
Replies: 48
Views: 3812

Re: What do you hold in your IRA and Why?

Roth IRA holds VTI, TIAA Large Cap Growth Index fund, TIAA Small Cap blend index fund, Emerging Markets Index fund. Reason: aggressive growth.
SEP IRA has TIAA Large Cap growth Index fund, TIAA Small Cap blend index fund, Emerging Markets Index fund and TIAA Real Estate. Growth with some stability.
by Spinola
Fri Jun 28, 2019 12:55 pm
Forum: Investing - Theory, News & General
Topic: Hitting Critical Mass and then dealing with those feelings of Surreal
Replies: 51
Views: 6983

Re: Hitting Critical Mass and then dealing with those feelings of Surreal

Congratulations :sharebeer , that is not a bad problem to have.. I wish I could share my experiences with this, but I am not quite at your level yet. If I were, I would be retired already. My only advice is to stop worrying and enjoy life. If market swings are keeping you up at night, maybe you shou...
by Spinola
Sun Jun 23, 2019 12:48 am
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 278
Views: 25844

Re: Crypto bulls are back. Are you getting in?

The more bullish Bitcoin is, the further away one should be.. :mrgreen:
by Spinola
Thu Jun 20, 2019 10:09 pm
Forum: Investing - Theory, News & General
Topic: Good times: 2008 vs Now
Replies: 145
Views: 15904

Re: Good times: 2008 vs Now

Well in 08 I was 58 approaching retirement but was naive thinking the good times would keep on rolling . That fall I had open heart surgery. 09 saw my 401k cut in half. I just kept contributing and eventually recovered . Retired in Jan. 14. This feels nothing like 08. As posted . I see no wildness ...
by Spinola
Thu Jun 20, 2019 10:02 pm
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why? . . Why not?
Replies: 229
Views: 17639

Re: What percentage of total portfolio in REIT's do you have? Why?

I notice a pattern. As folks near or move deeper into retirement, they reduce REIT allocations. Either to simplify holdings? Or other reason, not sure why? j :happy It will be just part of lowering the exposure to stocks overall in my AA. Increase TREA, and bonds at retirement. I am thinking 50% st...
by Spinola
Thu Jun 20, 2019 9:34 pm
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why? . . Why not?
Replies: 229
Views: 17639

Re: What percentage of total portfolio in REIT's do you have? Why?

I have approximately 8% in REITs, DFGEX - DFA Global Real Estate Securities Port, Class Inst. This is approximately 64% US REITs and 33% International REITs, so kills two birds with one fund.. Also have 2% in TREA. I intend to increase TREA and decrease REITs somewhat as I near retirement in the nex...
by Spinola
Wed Jun 12, 2019 4:14 pm
Forum: Investing - Theory, News & General
Topic: Opening a Robinhood account for fun - Is it worth it?
Replies: 25
Views: 3569

Re: Opening a Robinhood account for fun - Is it worth it?

I opened an account, but never used it and see no point in investing in individual stocks, unless you want to play at being a fund manager and have "play" money to burn. I guess as a hobby, it could be fun, if that is your cup of tea. For me investing isn't a hobby, just a means to an end. I believe...
by Spinola
Sat Jun 08, 2019 4:52 pm
Forum: Investing - Theory, News & General
Topic: Thank you, Taylor Larimore!
Replies: 49
Views: 6558

Re: Thank you, Taylor Larimore!

Thank you for your service to your country and mankind and thank you for continued wisdom and guidance to the Boglehead community. You are an example to us all.
by Spinola
Sat Jun 08, 2019 9:57 am
Forum: Personal Investments
Topic: FIRST POST - Portfolio Review - Please
Replies: 43
Views: 4894

Re: FIRST POST - Portfolio Review - Please

Welcome. You have already received excellent advice here. Ditch the paid advisor. Consolidate to Vangurad, simplify the number of funds to a 3 fund AA with lower ERs, you have too many. Too much overlap. Get rid of RH and individual stocks. APPL has killed the golden goose. I was a loyal customer fr...
by Spinola
Sat Jun 08, 2019 9:38 am
Forum: Personal Investments
Topic: Recommended DFA funds through 457 plan
Replies: 13
Views: 1061

Re: Recommended DFA funds through 457 plan

I have DFA Global Real Estate Securities Port institutional class in my portfolio, 10% of my AA. It is weighted 60/40 US / international REIT fund. Have been very happy with performance.
by Spinola
Sun Jun 02, 2019 10:59 pm
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 126
Views: 11293

Re: How did you all do in the month of May, 2019

May? an April!, it's as if they never happened.. I am back to March 31 territory. Easy come, easy go..
by Spinola
Sat Jun 01, 2019 11:08 am
Forum: Investing - Theory, News & General
Topic: What Specifically is a Taxable Account?
Replies: 17
Views: 1181

Re: What Specifically is a Taxable Account?

It is any non-tax-advantaged account.. Tax-advantaged accounts include 401k, 403b, 457, 529, HSA, Roth IRA, SEP IRA,etc are all tax-advantaged accounts .. A taxable account is savings, checking, brokerage, Money market account, CD, etc.. but generally it is used to refer to a brokerage account used ...
by Spinola
Thu May 30, 2019 8:30 am
Forum: Investing - Theory, News & General
Topic: Question regarding the phrase "smart money"
Replies: 23
Views: 1756

Re: Question regarding the phrase "smart money"

A large amount of "Smart money" was invested in Bernie Madoff's scheme.. :oops:
I like to think that the BH, simple, stay the course, low cost investing philosophy is where the real smart money is at :sharebeer .
by Spinola
Wed May 29, 2019 4:02 pm
Forum: Personal Investments
Topic: Should I move my Vanguard Roth IRA to TIAA?
Replies: 16
Views: 1569

Re: Should I move my Vanguard Roth IRA to TIAA?

No, I wouldn't do that. TIAA retail funds available in their IRA products are not that great. Aside from access to TIAA Real Estate, everything else is higher expense ratio than equivalent Vanguard funds.. bad idea..
by Spinola
Mon May 27, 2019 10:08 pm
Forum: Investing - Theory, News & General
Topic: What goes wrong after index enlightenment
Replies: 41
Views: 5689

Re: What goes wrong after index enlightenment

Thank you sir! This is excellent advice.
by Spinola
Sun May 26, 2019 1:02 am
Forum: Investing - Theory, News & General
Topic: What kind of jobs do people who have SEP IRAs do?
Replies: 32
Views: 2714

Re: What kind of jobs do people who have SEP IRAs do?

My SEP IRA is for my "side gig", a sole-proprietor part-time business. I have a 403b for my full -time career. Simplicity, virtually no paperwork required for the SEP IRA. In 2018, my gross income from PT business finally surpassed my FT job income.
by Spinola
Thu May 23, 2019 10:12 pm
Forum: Investing - Theory, News & General
Topic: Is the Global Portfolio the Least Risky? Lowest risk adjusted return?
Replies: 22
Views: 2015

Re: Is the Global Portfolio the Least Risky? Lowest risk adjusted return?

Whether it actually produces the best risk adjusted returns is an empirical question. International has underperformed for a very long time. and we all know US market has outperformed for well over a decade. Who can say what will outperform the next decade? Plenty of smart people seem to think that...
by Spinola
Fri May 17, 2019 7:23 pm
Forum: Investing - Theory, News & General
Topic: The Last Jack Bogle Keynote and Farewell - Bogleheads 2018
Replies: 16
Views: 2492

Re: The Last Jack Bogle Keynote and Farewell - Bogleheads 2018

A truly great man, I wish I had had the pleasure of meeting him, but sadly I only discovered this forum last Fall..
by Spinola
Fri May 17, 2019 12:24 pm
Forum: Investing - Theory, News & General
Topic: how do Tariffs impact your portfolio?
Replies: 25
Views: 1502

Re: how do Tariffs impact your portfolio?

Of the FAANG stocks, Amazon and Apple will likely be affected most.. but if if tariffs drag on, it will have a more pronounced effect on all stocks..
by Spinola
Thu May 16, 2019 3:32 pm
Forum: Personal Investments
Topic: Is holding two total market index funds okay?
Replies: 6
Views: 719

Re: Is holding two total market index funds okay?

There is nothing wrong with it IMHO, if it is by necessity. For example, in my 403b I have access to a low ER index fund, TIEIX, that is not available in my Roth and SEP IRAs or in Taxable, so I use VTI. If by choice, it seems like an unnecessary complication. JM2C.
by Spinola
Tue May 14, 2019 2:24 pm
Forum: Investing - Theory, News & General
Topic: What's the highest ER fund available to you?
Replies: 13
Views: 1470

Re: What's the highest ER fund available to you?

These are some real eye-bulging ERs... Yikes. Bogeleheads are very familiar with who has the lowest ERs, Fidelity 0 funds, VG 0.03 etc..funds, etc.. but the extreme opposite is surprising and a far less trodden trail.. For good reason. I have to wonder who actually invests in these funds? Unwitting ...
by Spinola
Tue May 14, 2019 12:46 am
Forum: Investing - Theory, News & General
Topic: What's the highest ER fund available to you?
Replies: 13
Views: 1470

What's the highest ER fund available to you?

So far, I've found this one available in my TIAA IRA fund options with a ridiculously high ER... Naturally, I am not buying.. Nuveen Multi Asset Income Fund Class I (Mutual Funds) NMKIX + 4.17% :oops: I am curious if there is anything more expensive out there?? Who is willing to give away such a big...
by Spinola
Sat May 11, 2019 5:02 pm
Forum: Investing - Theory, News & General
Topic: Composition and safety of TIAA traditional annuity
Replies: 108
Views: 10055

Re: Composition and safety of TIAA traditiona annuity

TIAA Annuity has been around since 1918. It already survived the great depression.. and everything else since..
by Spinola
Sat May 11, 2019 12:34 am
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 278
Views: 25844

Re: Crypto bulls are back. Are you getting in?

BTC reminds me of History of the World Part I. "Nothing! Who will buy my nothing?!" At least the apple cores and dead rats have some nutritional value.. :mrgreen:

https://www.youtube.com/watch?v=lDQ1Lf3N1hk
by Spinola
Fri May 10, 2019 11:54 am
Forum: Investing - Theory, News & General
Topic: What is your U.S./ex-U.S. stock allocation?
Replies: 210
Views: 13052

Re: What is your U.S./ex-U.S. stock allocation?

85 % US /15 % Intl. Including a Global REIT fund that has done very well. Goal is 20%
My 403b has poor choices in intl funds, or would probably have been at 20-25% long ago.
by Spinola
Mon May 06, 2019 10:34 pm
Forum: Investing - Theory, News & General
Topic: International Exposure — A Fresh Look at Your Stock Portfolio
Replies: 104
Views: 8078

Re: International Exposure — A Fresh Look at Your Stock Portfolio

Ferdinand2014 wrote:
Mon May 06, 2019 9:10 pm
Just noticed 80/20 gives you revenue exposure percent that coincidently equals market cap percent of U.S.

Maybe Taylor’s idea of 20% of equities in international is the best overall compromise.
I agree. I'm at approx. 15% Intl now, working my way via contributions to 20%.
by Spinola
Mon May 06, 2019 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle [digital payment system]
Replies: 23
Views: 3024

Re: Zelle [digital payment system]

I haven't used it personally, I am a mostly a Paypal user, but it is a service available with my TIAA Bank accounts. I am curious about Zelle also..
by Spinola
Sat May 04, 2019 10:14 pm
Forum: Investing - Theory, News & General
Topic: Equity funds for taxable accounts
Replies: 23
Views: 3033

Re: Equity funds for taxable accounts

According to Morningstar, VTI (Vanguard Total Stock Market) is in the TOP 4% in its category for tax-efficiency during the past 15 years. http://performance.morningstar.com/fund/tax-analysis.action?t=VTI®ion=usa&culture=en_US Best wishes. Taylor Good to know! Thank you! VT and VWO not so much th...
by Spinola
Sat May 04, 2019 5:13 pm
Forum: Personal Investments
Topic: Vanguard target date vs. convoluted portfolio
Replies: 32
Views: 2147

Re: Vanguard target date vs. convoluted portfolio

Our TIAA advisor also wanted to give me an extreme high ER slice and dice makeover. I declined. That said, he did encourage me to open a Roth a couple of years ago, and gave me good advice on opening an SEP IRA. They use a M* tool to come up with these AA. TIAA users can run it themselves under Goal...
by Spinola
Sat May 04, 2019 5:00 pm
Forum: Personal Investments
Topic: TIAA asset allocation worksheet
Replies: 4
Views: 426

Re: TIAA asset allocation worksheet

Perhaps that's because "regular" accounts (IRA/taxable) may not allow access to Trad or TREA, and perhaps the CREF funds? I'm not sure; we only have 403b's with TIAA. I was especially struck by how many NON-TIAA funds they "recommended/suggested". That *really* startled me. I was expecting to see o...
by Spinola
Sat May 04, 2019 4:54 pm
Forum: Personal Investments
Topic: TIAA asset allocation worksheet
Replies: 4
Views: 426

Re: TIAA asset allocation worksheet

Not sure us this has been posted before, Google didn't turn up any hits, so here is TIAAs AA guide if anyone finds it helpful.. I did. https://www.tiaa.org/public/pdf/AssetAllocationGuide.pdf Interesting. Curious that none of their recommended portfolios include TIAA Trad, TIAA Real Estate, nor CRE...
by Spinola
Sat May 04, 2019 4:08 pm
Forum: Investing - Theory, News & General
Topic: Equity funds for taxable accounts
Replies: 23
Views: 3033

Re: Equity funds for taxable accounts

So far in taxable I only have VTI, VT and a few shares of VWO. Are these OK? I pretty much will just keep adding to these. Taxable is a whole new ballpark for me..

I had considered ETHO, but have held off..

https://www.ethoetf.com/
by Spinola
Sat May 04, 2019 4:02 pm
Forum: Personal Investments
Topic: TIAA asset allocation worksheet
Replies: 4
Views: 426

TIAA asset allocation worksheet

Not sure if this has been posted before, Google didn't turn up any hits, so here is TIAAs AA guide if anyone finds it helpful.. I did.

https://www.tiaa.org/public/pdf/AssetAl ... nGuide.pdf
by Spinola
Thu May 02, 2019 11:07 pm
Forum: Investing - Theory, News & General
Topic: Is 2019 the year of the mid-cap fund? Does active beat out index sometimes?
Replies: 13
Views: 2214

Re: Is 2019 the year of the mid-cap fund? Does active beat out index sometimes?

why would you want to pile into a fund that has already gone up the most? Think about that for a moment. Very true. I have thought about it, I learned that lesson in 2000.. You should want to buy the fund that has already performing the worst and wait for it to have its day in the sun. Agreed! Also...
by Spinola
Thu May 02, 2019 7:31 pm
Forum: Investing - Theory, News & General
Topic: Is 2019 the year of the mid-cap fund? Does active beat out index sometimes?
Replies: 13
Views: 2214

Re: Is 2019 the year of the mid-cap fund? Does active beat out index sometimes?

I believe you must be joking. Index funds should never be the top performers because index funds are average performers. It is very important when saving for a purpose (like retirement) that a fund not underperform. Index funds guarantee this. Index funds, on average, outperform managed funds. The ...
by Spinola
Thu May 02, 2019 7:29 pm
Forum: Investing - Theory, News & General
Topic: Do you invest in Real Estate ? Why ?
Replies: 145
Views: 20572

Re: Do you invest in Real Estate ? Why ?

Yes, primary residence, TIAA Real Estate (currently 1.5 % of AA (goal is 5%) and DFA Global Real Estate Portfolio 8%. Why? Diversification. Everyone needs a home, whether a person or a business.
by Spinola
Thu May 02, 2019 8:40 am
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 30567

Re: 20 countries where 200K in retirement savings will last you decades

So out of curiosity I looked for rankings of countries by cost of living. Then I found this list:https://www.numbeo.com/cost-of-living/rankings.jsp It's a list of 433 major cities around the world ranked by cost of living. It reiterates the point many have been making here that where you live in a ...
by Spinola
Wed May 01, 2019 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 30567

Re: 20 countries where 200K in retirement savings will last you decades

sawhorse wrote:
Wed May 01, 2019 9:53 pm
Honestly, with Medicare, I'm not sure health coverage should be that big a factor when evaluating other countries for retirement.
Does medicare cover ex-pats? I was under the impression that you have limited coverage when travelling, or no coverage if living abroad permanently? Am I wrong?
by Spinola
Wed May 01, 2019 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 30567

Re: 20 countries where 200K in retirement savings will last you decades

So out of curiosity I looked for rankings of countries by cost of living. Then I found this list:https://www.numbeo.com/cost-of-living/rankings.jsp It's a list of 433 major cities around the world ranked by cost of living. It reiterates the point many have been making here that where you live in a ...
by Spinola
Wed May 01, 2019 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 30567

Re: 20 countries where 200K in retirement savings will last you decades

As they may very well have if they had retired to another country because many countries don't allow just anyone to move there and make full use of the health system without any work credits. Our healthcare system is one of the biggest problems for people under retirement age. But Medicare is a gre...
by Spinola
Wed May 01, 2019 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 30567

Re: 20 countries where 200K in retirement savings will last you decades

I think that access to affordable / universal health care, vacation, sick time and maternity leave, consideration of violence and crime rates and corruption are very relevant factors in deciding where one is going to live, work, or retire. This is completely relevant to the thread. Not opinion, not ...
by Spinola
Wed May 01, 2019 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: My solar investment experience
Replies: 100
Views: 9996

Re: My solar investment experience

Same experience. State rebate, federal tax credit. $0 monthly bill now. My online banking keeps pestering me to pay the $0 bill.. 🤣