Search found 23 matches

by SteveJones
Sun Nov 10, 2019 10:20 am
Forum: Personal Investments
Topic: What’s in your TSP?
Replies: 47
Views: 3474

Re: What’s in your TSP?

If you are in a position to receive a pension I wouldn't worry as much about having a bond fund in your portfolio. The pension acts as your buffer when the market is down. As a mix of Bogleheads and Dave Ramsey I'm a C, S, I guy. 80/10/10.
by SteveJones
Wed Oct 02, 2019 2:33 pm
Forum: Personal Investments
Topic: TSP Help
Replies: 11
Views: 994

Re: TSP Help

You have 28 years until you can touch this money penalty free under most circumstances. There is no reason to be in G fund right now. I would immediately transfer that all to a combination of C, S, and I in a manner you are comfortable. I choose 80, 10, 10 respectively
by SteveJones
Wed Jul 10, 2019 5:02 am
Forum: Personal Investments
Topic: New Military recruit needs help with TSP
Replies: 18
Views: 1915

Re: New Military recruit needs help with TSP

How is she going to live? Based on how much she has to invest she is junior enlisted. Won't this large of an allocation affect her quality of life?
by SteveJones
Wed Jun 05, 2019 4:36 am
Forum: Personal Investments
Topic: Pre-Military Seeking Investment Planning
Replies: 49
Views: 2688

Re: Pre-Military Seeking Investment Planning

18 yrs in the Navy here. At 23 yrs old do you already have a degree? Or is this one of those 'last chance to do something with my life' type things? I was the latter when I was 21 so I get it. If you have a degree I'd strongly consider a commission and not an enlistment. As a junior enlisted sailor...
by SteveJones
Sun Jun 02, 2019 5:27 am
Forum: Personal Investments
Topic: Pre-Military Seeking Investment Planning
Replies: 49
Views: 2688

Re: Pre-Military Seeking Investment Planning

18 yrs in the Navy here. At 23 yrs old do you already have a degree? Or is this one of those 'last chance to do something with my life' type things? I was the latter when I was 21 so I get it. If you have a degree I'd strongly consider a commission and not an enlistment. As a junior enlisted sailor ...
by SteveJones
Sat Jun 01, 2019 5:50 am
Forum: Personal Investments
Topic: Portfolio advice for a military member
Replies: 15
Views: 1005

Re: Portfolio advice for a military member

Another military service member here. Around the same age and shockingly similar net worth. My thoughts: Your taxable investments indicate your comfort with Large Cap funds. I'd sell the individual stocks and roll them into a low expense large cap mutual fund on Vanguard which will tilt your allocat...
by SteveJones
Thu May 23, 2019 4:34 am
Forum: Personal Investments
Topic: Want to add REITs to portfolio… but how much and which funds?
Replies: 16
Views: 2324

Re: Want to add REITs to portfolio… but how much and which funds?

- What should my new AA be? (currently I’m at 80/20 stock/bond — details below) At age 44 I'd be at least 30% bonds if not 35%. So 70/30 or 65/35. I'm really trying to understand why 15 years before you can take a penny from a retirement account you have to automatically shift to 30% bonds? I under...
by SteveJones
Mon May 20, 2019 4:03 am
Forum: Personal Investments
Topic: why buy any bonds in your portfolio?
Replies: 24
Views: 3269

Re: why buy any bonds in your portfolio?

I think a more accurate question is when is the correct time to introduce bonds into your asset allocation. If you are in your 20's or 30's, I see no value in adding bonds to your tax advantaged retirement accounts. You literally have two-three decades to absorbs the ebbs and flows of investing. Add...
by SteveJones
Wed Apr 24, 2019 4:28 am
Forum: Personal Investments
Topic: NFCU CD Rates
Replies: 3
Views: 477

NFCU CD Rates

https://www.navyfederal.org/products-services/checking-savings/certificates-rates.php Navy Federal Credit Union has what appears to be some great CD rates advertised. 17 month CD for 3.25% APY. We are about to sell our house and want the park the money somewhere safe until we are ready to buy again....
by SteveJones
Wed Mar 13, 2019 5:24 pm
Forum: Personal Investments
Topic: What is your favourite non-total market/SP500 ETF?
Replies: 12
Views: 1268

Re: What is your favourite non-total market/SP500 ETF?

I'm trying to get my wife involved in our investments. The CFO of her company got in her head we should invest at least a part of the equity we will make off the sale of our home to REIT since that money was already 'invested' in real estate. She really respects his opinion so against my judgement w...
by SteveJones
Wed Feb 27, 2019 5:22 am
Forum: Personal Investments
Topic: Check-in for Military Family, Goal: FIRE in 8 yrs
Replies: 9
Views: 1485

Re: Check-in for Military Family, Goal: FIRE in 8 yrs

Military here as well. You have left so much money on the table holding it in the G fund. You have the ability to easily change your monthly contribution allocation and shift money already in the TSP to meet your desired allocation. In under 5 minutes on the website you could have it done. Can you ...
by SteveJones
Mon Feb 25, 2019 5:12 am
Forum: Personal Investments
Topic: Check-in for Military Family, Goal: FIRE in 8 yrs
Replies: 9
Views: 1485

Re: Check-in for Military Family, Goal: FIRE in 8 yrs

Military here as well. You have left so much money on the table holding it in the G fund. You have the ability to easily change your monthly contribution allocation and shift money already in the TSP to meet your desired allocation. In under 5 minutes on the website you could have it done.
by SteveJones
Wed Feb 20, 2019 6:36 pm
Forum: Personal Investments
Topic: Help with Portfolio Check Up at 30
Replies: 15
Views: 1293

Re: Help with Portfolio Check Up at 30

Age: 30 Desired Asset Allocation: 90% stock 10% bond 10% bonds is a little low for age 30. I recommend 20% bonds. Can someone explain why 10% bonds at 30 is too low? You are literally 30 years away from needing the money or being able to touch the money. Why not put it all in large, mid, and small ...
by SteveJones
Sat Feb 16, 2019 7:31 am
Forum: Personal Investments
Topic: personal rate of return
Replies: 29
Views: 2827

Re: personal rate of return

Hello My personal performance, as per vanguard, calculated by a method called IRR- internal rate of return for the last 10 years is 8.5 % for my retirement accounts 7.8% for non retirement funds 5.1% for 529 funds Would the above returns be considered good? average ? or bad? Mine is as follows: 12....
by SteveJones
Sun Feb 03, 2019 1:58 pm
Forum: Personal Investments
Topic: Besides your core.. anyone also hold a play account?
Replies: 61
Views: 3576

Re: Besides your core.. anyone also hold a play account?

The craziest have ever gotten is buy into Vanguard's Health Sector fund. My whole family minus me is in the health industry so I did it.
by SteveJones
Sun Feb 03, 2019 10:30 am
Forum: Personal Investments
Topic: Tsp [Thrift Savings Plan]
Replies: 55
Views: 4173

Re: Tsp

I tend to follow your idea, in fact my current contributions are 80% C, 10% S, and 10% I. Just remember investing is as much mental as mathematical, so be prepared to put blinders on when the next downturn occurs. You won't have anything to soften the losses. Before I started taking a vested interes...
by SteveJones
Sat Feb 02, 2019 8:13 am
Forum: Personal Investments
Topic: Am I supposed to keep dumping any excess money in an index fund and thats it?
Replies: 39
Views: 4579

Re: Am I supposed to keep dumping any excess money in an index fund and thats it?

I am in a similar position, but as a married man. My wife and I invest $28,000 annually into retirements. Me: $18,000 in Roth TSP. Her: $10,000 in a 403B where here employer deposits 5% without a requirement to match. Additionally 1.5 years ago we decided to open a taxable account to park money that...
by SteveJones
Sat Jan 26, 2019 10:38 am
Forum: Personal Investments
Topic: Three fund portolio at 55yrs old
Replies: 16
Views: 1171

Re: Three fund portolio at 55yrs old

I am also a newb to the site, but know they can't answer your questions without more information, like what you have already accumulated and its current breakdown. I would argue that the stock market has went up over 5 year periods almost 100% of the time. You have more than that until you want to u...
by SteveJones
Mon Jan 21, 2019 5:45 pm
Forum: Personal Investments
Topic: Military Paying down Mortgage Early
Replies: 19
Views: 1349

Re: Military Paying down Mortgage Early

BRS is not an option for me at this stage in our career. We haven't been negligent during my career regarding investing for retirement, its more we have begun to take a more vested interest on finances. We have almost $300,000 in our TSP account. Currently I am set to invest $16,000+ in it this year...
by SteveJones
Mon Jan 21, 2019 1:36 pm
Forum: Personal Investments
Topic: Military Paying down Mortgage Early
Replies: 19
Views: 1349

Re: Military Paying down Mortgage Early

We have began to realize owning a house typically is more expensive than renting. You never take into account lawn maintenance, inevitable upgrades, repairs, etc. I am confident we will not buy again until we are out of the service for good. I am a fan of living debt free including the home. I think...
by SteveJones
Mon Jan 21, 2019 9:54 am
Forum: Personal Investments
Topic: Military Paying down Mortgage Early
Replies: 19
Views: 1349

Re: Military Home Purchase

Yep we have an emergency fund, stable employment, and no debt other than the mortgage. We are moving across the country soon for a two year tour where we will rent. We currently carry a mortgage on the home we purchased during this tour. The money we walk away from this house with will be put into a...
by SteveJones
Mon Jan 21, 2019 8:49 am
Forum: Personal Investments
Topic: Military Paying down Mortgage Early
Replies: 19
Views: 1349

Re: Military Home Purchase

Thanks for the responses! We currently own our home and have for 3 years. We bought our current home from a flipper who got cold feet and accepted $299,000 for a house at the time was probably worth $320,000. The current value of the home is $360,000. We currently owe $259,000 on the house. After fe...
by SteveJones
Mon Jan 21, 2019 7:15 am
Forum: Personal Investments
Topic: Military Paying down Mortgage Early
Replies: 19
Views: 1349

Military Paying down Mortgage Early

I began my journey to financial freedom by listening to Dave Ramsey. I followed his 'baby steps' until I got to step 6, pay of you mortgage as fast as possible, and kind of got stuck. Our issue is we never are in a home long enough to pay one off since we move for military orders every 3 years or so...