Search found 97 matches

by jyoung
Mon Jan 20, 2020 8:52 am
Forum: Personal Investments
Topic: For Those NOT Retiring in 10-15 years...
Replies: 15
Views: 1537

Re: For Those NOT Retiring in 10-15 years...

By far the bulk of my retirement savings is in my 401K plan, so market correction or not, this isn't money that I consider mine to be able to access now anyway. Because of this, volatility in the market really doesn't bother me, nor do large account value swings. This is exactly how I felt in 2009, ...
by jyoung
Fri Jan 10, 2020 2:21 am
Forum: Investing - Theory, News & General
Topic: Here's what I still don't get with AA
Replies: 48
Views: 4509

Re: Here's what I still don't get with AA

Portfolio one lost 50% and portfolio two only lost 25% because the beginning values were different.
by jyoung
Wed Jan 08, 2020 9:02 pm
Forum: Personal Investments
Topic: Fund info screen not working on Vanguard web site?
Replies: 17
Views: 578

Re: Fund info screen not working on Vanguard web site?

Try clearing your browser cache. Worked for me recently.
by jyoung
Mon Jan 06, 2020 6:28 pm
Forum: Investing - Theory, News & General
Topic: Investing Stocks App For Practice?
Replies: 9
Views: 395

Re: Investing Stocks App For Practice?

Never used any, but the top three look like possibilities. I'm sure there are plenty more.
https://www.google.com/search?q=stock+t ... e&ie=UTF-8

Is this what you had in mind?
by jyoung
Tue Dec 31, 2019 5:21 pm
Forum: Personal Investments
Topic: Viewing a NY 529 account from regular Vanguard login
Replies: 5
Views: 320

Re: Viewing a NY 529 account from regular Vanguard login

I had a NY plan and could not see it with my other Vanguard accounts. I have since transferred it to the NV plan that I can see. I live in a state without income tax, so it wasn't a hard decision for me to move.
by jyoung
Tue Dec 17, 2019 1:18 pm
Forum: Personal Consumer Issues
Topic: US Postal Worker - why give them a gift?
Replies: 45
Views: 2185

Re: Does anyone gift their mailman?

We used to when we lived in a more urban part of the city and the mail person came to our door. Now we give gifts to the garage guys because it's the same guys and they come to our back door 2x week.
by jyoung
Wed Nov 27, 2019 11:01 am
Forum: Investing - Theory, News & General
Topic: Vanguard going to do TV commercials
Replies: 62
Views: 5083

Re: Vanguard going to do TV commercials

Vanguard's once special sauce of low cost, passive funds has now been commoditized. The competition is willing and able to go to 0 (or always below Vanguard) to attract market share, and can subsidize that effort with much higher margin products. It's a slow process, but easy for me to see a future ...
by jyoung
Wed Nov 27, 2019 12:30 am
Forum: Investing - Theory, News & General
Topic: Vanguard going to do TV commercials
Replies: 62
Views: 5083

Re: Vanguard going to do TV commercials

I won't to pretend to know what Vanguard is thinking, but I would *guess* it may have to do with economies of scale. If the goal is to offer low cost investing options across the board, and not to bait people in only to endless try and and up-sale them on far more expensive products, then using volu...
by jyoung
Mon Nov 25, 2019 10:16 pm
Forum: Personal Consumer Issues
Topic: Kia Sportage
Replies: 19
Views: 1727

Re: Kia Sportage

I have a 2011 Hyundai Elantra with 110k+ miles. Never had an issue. Just a couple sets of tires, batteries, oil changes. If you are into brand names though you definitely won't win any cool contests with a Hyundai or Kia if that stuff matters to you. I get made fun of pretty much every week at work ...
by jyoung
Thu Nov 14, 2019 2:54 pm
Forum: Personal Investments
Topic: After tax 401k worth
Replies: 30
Views: 2070

Re: After tax 401k worth

I think it's a great benefit. My plan automatically switches to after tax when I reach the limit and allows 1 in plan conversion per year. I just keep putting 20% in all year and the company keeps putting a match in pretax up to the combined IRS limit. It's a mindless way to save even more tax advan...
by jyoung
Thu Nov 07, 2019 4:53 am
Forum: Personal Investments
Topic: Mega Backdoor - Conflicting Feedback
Replies: 11
Views: 750

Re: Mega Backdoor - Conflicting Feedback

Your plan documents will tell you for sure. My plan only allows one conversion per year, so I convert everything at the beginning of the following year. Not sure it makes that much difference since the after tax amount is such a small percentage of my portfolio, but I invest it all in the cash equiv...
by jyoung
Wed Nov 06, 2019 12:50 am
Forum: Investing - Theory, News & General
Topic: Investment Portfolio Stress Testing
Replies: 6
Views: 668

Re: Investment Portfolio Stress Testing

I'm not sure exactly what you are looking for, but you can do all of those things in OnTrajectory pretty easily. It's not as easy as entering 3 or 4 variables and hitting run, but it's not all that hard either if you don't mind playing around with some assumptions. The only downside might be there i...
by jyoung
Mon Nov 04, 2019 7:04 pm
Forum: Personal Investments
Topic: After tax 401k contributions
Replies: 13
Views: 884

Re: After tax 401k contributions

My plan will continue the company match up to the combined IRS limit so long as I continue contributing to the after tax option after 19k. Fortunately, they also allow in plan Roth conversions so that's not an issue for me. But even if they didn't, I'd probably still contribute at least the minimum ...
by jyoung
Tue Oct 22, 2019 2:57 pm
Forum: Investing - Theory, News & General
Topic: [Paul Merriman: This strategy beats a total stock market fund]
Replies: 173
Views: 14580

Re: [Paul Merriman: This strategy beats a total stock market fund]

Why isn't anyone suggesting that either approach would likely perform well enough? We all seem to know to not chase recent performance, then we constantly argue about which portfolio is better than others---by citing recent data. Please consider the spectrum of "good enough" portfolios, and guide n...
by jyoung
Tue Oct 22, 2019 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Sanity check on PPO vs HDHP
Replies: 32
Views: 3197

Re: Sanity check on PPO vs HDHP

My situation is not really the same (no HDCP), but I do have 2-PPO and 2-HMO choices. For me it all boils down to copay amounts, Office/Urgent Care. All of my choices have pretty low deductibles and out-of-pock-maximums compared to other plans I've seen, so the worst case scenario really isn't "bad"...
by jyoung
Sun Oct 20, 2019 5:34 pm
Forum: Personal Investments
Topic: Automatic investing with split between funds
Replies: 6
Views: 527

Re: Automatic investing with split between funds

Yes. Account Maintenance - Automatic Investment. This is how I do my Roth contributions. It will ask you how much and how you want to breakdown the contribution to each fund you have in the account. Each account type will have a separate setup ie. Roth, brokerage, etc.
by jyoung
Fri Oct 11, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps pushing their financial advisors...why?
Replies: 102
Views: 9335

Re: Vanguard keeps pushing their financial advisors...why?

Maybe I don't have enough money, but they never email me ads. When I occasionally login to their website I see ads on their homepage, but none in the app. So far it hasn't gotten close to a level that bothers me. Maybe that's the solution... have less money. 😄
by jyoung
Fri Oct 11, 2019 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Calculators
Replies: 13
Views: 2005

Re: Retirement Calculators

I really like OnTrajectory. I think it's the same guy that worked on cfiresim, it does have an annual fee, not much but not free either. It has a free trail for 14 days without a credit card if you want to try it out. It's not quite as easy to use or comprehensive as OnTrajectory to me, but I also u...
by jyoung
Fri Oct 11, 2019 8:51 am
Forum: Investing - Theory, News & General
Topic: Motley Fool
Replies: 21
Views: 3013

Re: Motley Fool

I listen to their shows strictly for entertainment, and they usually deliver. But when some of them talk about what THEY are invested in, the let it out they invest long term in index funds so...
by jyoung
Tue Oct 01, 2019 8:27 am
Forum: Personal Investments
Topic: Highly Compensated Employee & 401K limits
Replies: 41
Views: 4539

Re: Highly Compensated Employee & 401K limits

This is not what I use it for, but I *think* this may be one of the reasons for my company's 401k after tax contribution option. My understanding is you could contribute after tax up to the limit and then roll into the Roth 401k once a year (plan limit), similar to how I do once I hit the $19k limit...
by jyoung
Mon Sep 30, 2019 3:19 pm
Forum: Personal Investments
Topic: Dallas Financial Advisor
Replies: 4
Views: 841

Re: Dallas Financial Advisor

At a glance they don't appear to do any kind of individual financial planning, just another "robo" option that uses DFA funds. This may or may not fit what you are looking for, just like it may or may not be worth the cost. Hard to say without more detail about your situation and needs.
by jyoung
Tue Sep 17, 2019 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads in Oil and Gas?
Replies: 38
Views: 3281

Re: Bogleheads in Oil and Gas?

Previously worked in an upstream e&p group at an independent, now downstream operations with a major. I don't really worry about the elimination of my job because I hope to retire in about 15-20 years. Also, my background and skill set is transferable to other fields... they just don't pay as much! ...
by jyoung
Tue Sep 17, 2019 12:46 pm
Forum: Investing - Theory, News & General
Topic: What do you think about Dan Wiener
Replies: 82
Views: 6360

Re: What do you think about Dan Wiener

This is not at all a technical review, but when I go to the link provided the webpage just "feels" very scammy. Immediately my internet intuition tells me to ignore this as an obvious get rich quick and easy ad full of bs fluff, and definitely not something I would put a dime of my hard earned money...
by jyoung
Tue Sep 03, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Financial review
Replies: 15
Views: 1477

Re: Financial review

Yes, that is accurate. It wasn't jeasouly or comparing, but more caused me to reflect a bit on personal finance. It just surprises me at how some people spend their money visibily (boats, RVs, vacation homes, etc) while others are far more private about finances (college savings, retirement, etc). ...
by jyoung
Tue Sep 03, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Financial review
Replies: 15
Views: 1477

Re: Financial review

You should hang around people like me. I'm 39 and your net worth is >2X mine. You're doing great, and I'm the envious one here! :beer I would love to have that much put away for college on top of everything else, one less worry later on. I have 4 acres in the woods on a small lake that I paid $20K f...
by jyoung
Sat Aug 17, 2019 3:21 pm
Forum: Personal Investments
Topic: Vanguard 529 college savings account -- sit tight, change allocation?
Replies: 8
Views: 1068

Re: Vanguard 529 college savings account -- sit tight, change allocation?

I use the Vanguard - Aggressive Age Based Plan for my 529s as well. In my opinion, it's a great allocation and you should just stay the course. In volatile times just think of how many more shares you are buying with your money (on the downside) instead of the day-to-day dollar account balance since...
by jyoung
Sat Aug 17, 2019 2:38 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Comparison Tool
Replies: 7
Views: 430

Re: Portfolio Comparison Tool

You have to create a free account and then you can setup AUM fee structures and apply them. For example here is difference in an 60/40 portfolio starting with $1.5mil and withdrawing $60k inflation adjusted annually. Scenario #1 = NO AUM; #2 = .03% AUM; #3 = 1.0% AUM. https://preview.tinyurl.com/y63...
by jyoung
Sat Aug 17, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: Tracking apps, any good ones?
Replies: 3
Views: 551

Re: Tracking apps, any good ones?

Google Maps has a built in function for "Location Sharing." You can turn it on/off manually, or have it active for only a certain amount a time if you want. We use it for when we take long trips, or if my wife and kids are going out of town without me just in case something happens or they get lost....
by jyoung
Mon Aug 12, 2019 10:56 am
Forum: Personal Investments
Topic: Portfolio Allocation for New Investor
Replies: 4
Views: 273

Re: Portfolio Allocation for New Investor

You actually tilted small/mid not toward the S&P 500. If my math is right you're about 58/42 and I think the market is more like 80/20. Not necessarily a bad thing, just something to be aware of.

Personally I'd leave out the inflation protected bonds also, but your allocation seems reasonable to me.
by jyoung
Wed Aug 07, 2019 4:53 pm
Forum: Personal Consumer Issues
Topic: Amazon -- no longer the lowest prices, evidently
Replies: 120
Views: 13576

Re: Amazon -- no longer the lowest prices, evidently

Amazon hasn't been the low price spread in quite a while. If price is your goal, you really have to pay attention. I agree with this. The Amazon interface is very simple to search, compare, and read reviews on just about any item imaginable; however, the item you ultimately want to purchase can usu...
by jyoung
Wed Jul 17, 2019 11:47 pm
Forum: Personal Investments
Topic: How exactly does maxing a 401k work when you're approaching the limit line?
Replies: 27
Views: 2318

Re: How exactly does maxing a 401k work when you're approaching the limit line?

At least with my plan the default is to automatically swap my same contribution % to after tax and my employer will continue pre-tax matching. The other two options are to stop all together, or contribute the minimum % to after tax that continues to receive the employer match. Check your plan docume...
by jyoung
Sat Jul 13, 2019 10:59 pm
Forum: Personal Investments
Topic: Would you exchange VTSAX to VTI ??
Replies: 42
Views: 3868

Re: Would you exchange VTSAX to VTI ??

I wish my friends and coworkers were on this forum. In 'normal' life they all give me a hard time because of the amount of effort I will go through just to try and save a dollar. BUT on here I sometimes feel like I'm just frivolously throwing away money when I take the mutual fund side of the potent...
by jyoung
Sat Jul 13, 2019 7:57 pm
Forum: Personal Investments
Topic: Would you exchange VTSAX to VTI ??
Replies: 42
Views: 3868

Re: Would you exchange VTSAX to VTI ??

I do not want to add any more maintenance chores Then no, I would keep the MF version. This is reason I do not use ETFs. To contribute or withdraw with ETFs at Vanguard it has to be done by shares, not dollar amounts like a MF... Not necessary a huge deal, but just adds a little more work. If you l...
by jyoung
Sat Jul 13, 2019 9:32 am
Forum: Investing - Theory, News & General
Topic: Vanguard account “Your mutual funds are eligible for tax-free conversion to ETFs”
Replies: 21
Views: 2950

Re: Vanguard account “Your mutual funds are eligible for tax-free conversion to ETFs”

Maybe one day Vanguard will allow automated, partial share ETF investing like M1. Until then investing in ETFs at Vanguard is just too inefficient for me. It may work for some, but until then their MFs are still far superior for my situation and desire to buy, hold, and 'attempt' to forget about it ...
by jyoung
Thu Jul 11, 2019 6:48 pm
Forum: Personal Investments
Topic: Investiment advice
Replies: 11
Views: 1211

Re: Investiment advice

That's close to global weighting, if that's what you want you could just buy VTWAX (Vanguard Total World Stock Index Fund) and be done with it. Many people do that. I don't use it personally, but the simplicity is definitely appealing. Sounds like you have a lot of cash. I like to keep the majority ...
by jyoung
Thu Jul 04, 2019 2:45 am
Forum: Investing - Theory, News & General
Topic: Hidden Vanguard etf?
Replies: 20
Views: 5324

Re: Hidden Vanguard etf?

I don't remember how I came across that page, just fumbling around one day I'm sure. My guess is the same as yours. The average diy investor probably doesn't really understand factor funds, including the ones who think they do (and myself). But I agree their sector specific funds can have noticable ...
by jyoung
Thu Jul 04, 2019 12:41 am
Forum: Investing - Theory, News & General
Topic: Hidden Vanguard etf?
Replies: 20
Views: 5324

Re: Hidden Vanguard etf?

They list the factor funds separately I think.

https://investor.vanguard.com/etf/factor-funds
by jyoung
Fri Jun 28, 2019 10:28 am
Forum: Personal Investments
Topic: I have two options for a Mega Backdoor Roth
Replies: 10
Views: 757

Re: I have two options for a Mega Backdoor Roth

I do #1 after I have hit the limit on my 401K contributions because my employer only allows in-plan conversions and only once a year. My plan only offers a few very low cost index funds, so it's actually less expensive to keep them there than Vanguard or anywhere charging >0 ER. My employer plan doe...
by jyoung
Sat Jun 22, 2019 12:23 pm
Forum: Personal Investments
Topic: Low balance Roth IRA for kids
Replies: 6
Views: 548

Re: Low balance Roth IRA for kids

Check out Fidelity. I think it's worth it just for the learning opportunity. I wish I had known about Roth accounts earlier. Everyone has to start somewhere even if it's just a couple of dollars.
by jyoung
Fri Jun 14, 2019 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Wealthfront to offer "Path" for free to the public
Replies: 6
Views: 1863

Re: Wealthfront to offer "Path" for free to the public

I was curious and gave it a try. I think it's basically just a Monte Carlo that uses your linked accounts and a few assumptions, not really anything different from the dozens of simulators out there that you have to manually enter your data into. There didn't seem to be much information about the an...
by jyoung
Wed Jun 05, 2019 1:40 pm
Forum: Personal Investments
Topic: Approximating Total Stock Market confusion
Replies: 9
Views: 874

Re: Approximating Total Stock Market confusion

Vanguard's small cap index fund really isn't that small despite it's name. If you look at it in Morningstar they actually classify it as a smaller, mid cap fund. The average market cap of the fund is pretty high. It's probably because of this that there is a higher allocation for this fund over the ...
by jyoung
Fri May 31, 2019 12:36 am
Forum: Personal Investments
Topic: Vanguard transition
Replies: 12
Views: 1984

Re: Vanguard transition

Hopefully the money market account is just for taxable accounts. I like funding the way I’m used to, straight from my checking account. Thank you both I still contribute directly from my outside accounts into mutual funds inside all of my different account types. If I had DRIP off in my taxable acc...
by jyoung
Thu May 30, 2019 1:58 pm
Forum: Personal Investments
Topic: Vanguard transition
Replies: 12
Views: 1984

Re: Vanguard transition

I still contribute straight from my Ally account. Honestly I've noticed 0 difference, but I don't spend a lot of time playing with it either. For me it's been a non-issue, all the change must just be on their end.
by jyoung
Thu May 23, 2019 2:20 pm
Forum: Personal Investments
Topic: Does M1 Finance compare to Merrill Edge?
Replies: 17
Views: 1356

Re: Does M1 Finance compare to Merrill Edge?

Normally, you would sell the whole shares and that cash would transfer (or you could transfer the whole shares in-kind) and it would show the remaining fractional shares in the M1 account. Then after a week or two or few, they would eventually liquidate the fractional shares and transfer the cash t...
by jyoung
Wed May 22, 2019 10:05 pm
Forum: Personal Investments
Topic: Does M1 Finance compare to Merrill Edge?
Replies: 17
Views: 1356

Re: Does M1 Finance compare to Merrill Edge?

I don't mean to hijack this thread, but does anyone know if you DCA at a value below the price of a single share for years... do you end up with a ton of fractional shares or will they "convert" to whole shares based on the total value? This is one of the main reasons I never used M1 because it is m...
by jyoung
Sun May 19, 2019 11:37 am
Forum: Personal Investments
Topic: Taxable Account?
Replies: 10
Views: 1555

Re: Taxable Account?

Here's the site wiki on the subject:
https://www.bogleheads.org/wiki/Priorit ... nvestments

Depending on the rest of your situation and goals for the money, it may make sense to use the extra cash to contribute more to your tax advantaged 401K account before worrying about a taxable account.
by jyoung
Fri May 17, 2019 12:54 am
Forum: Personal Finance (Not Investing)
Topic: Contribute to Post Tax 401K Out of Pocket?
Replies: 8
Views: 627

Re: Contribute to Post Tax 401K Out of Pocket?

My plan limit is 20%. I can make additional contributions to after tax outside of payroll deductions, but the total contributions can't exceed 20% of my pay or the IRS limits whichever is lower.
by jyoung
Thu May 16, 2019 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads update their 401k contributions once they are able to max?
Replies: 19
Views: 1688

Re: How do Bogleheads update their 401k contributions once they are able to max?

If you have an employer match, you may want to find out if they do a "true up" (match on the yearly total) or if they do a "per paycheck" (which is what mine does). In the second option, any paycheck i dont contribute to 401K I lose the company match My plan is per paycheck. So in my case I would l...
by jyoung
Thu May 16, 2019 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads update their 401k contributions once they are able to max?
Replies: 19
Views: 1688

Re: How do Bogleheads update their 401k contributions once they are able to max?

My plan automatically shifts my contributions to after-tax and continues to put the match in pretax. Then I can do an in plan conversion annually, pull the after tax money for other use/investment, leave it.