Search found 15 matches

by WhaleMan
Mon Jan 20, 2020 12:11 am
Forum: Investing - Theory, News & General
Topic: Holding too much emergency fund cash...
Replies: 47
Views: 4706

Re: Holding too much emergency fund cash...

Yes, I have two years of cash in my emergency fund.

Peace of mind. Allows me to be aggressive in my investments.
by WhaleMan
Tue Nov 26, 2019 6:07 am
Forum: Investing - Theory, News & General
Topic: What does a $1k investment in a Mututal Fund actually buy me?
Replies: 11
Views: 1728

Re: What does a $1k investment in a Mututal Fund actually buy me?

yes, you own a small part of every company listed by the mutual fund.

You own shares of the mutual fund. The mutual fund owns the stock.

The mutual funds website will show you what percentage of what stocks is in each share of the mutual fund you own.
by WhaleMan
Sun Nov 10, 2019 9:17 pm
Forum: Personal Investments
Topic: What’s in your TSP?
Replies: 47
Views: 3610

Re: What’s in your TSP?

I use the L funds. The AA allocation is reasonable and the rebalancing is automatic.

Since the ER are no different, I purposely use the TSP target date funds and this frees my time to focus on my other investments.
by WhaleMan
Sat Oct 05, 2019 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Dropping Interest Rates on High-Yield Savings
Replies: 31
Views: 4799

Re: Dropping Interest Rates on High-Yield Savings

Thanks for your thoughts.

No penalty CD's are probably my ticket.

Interesting...Marcus current rates:
7 Month No-Penalty CD 2.10%
11 Month No-Penalty CD 1.90%
13 Month No-Penalty CD 1.85%
by WhaleMan
Sat Oct 05, 2019 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card information stolen
Replies: 12
Views: 1499

Re: Credit Card information stolen

Agree with above. Consider some credit alert service too if it gives you peace of mind. Mine caught someone trying to start credit card and trying create a cell phone account under my ID. Overall not sure if it worth the money, as most months/years nothing occurs. However, the once in-a-while event ...
by WhaleMan
Sat Oct 05, 2019 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Dropping Interest Rates on High-Yield Savings
Replies: 31
Views: 4799

Dropping Interest Rates on High-Yield Savings

Anyone else re-thinking were to park emergency funds with decreasing rates? My online high-yield savings has dropped from 2.3% to 1.9%. Is this enough of a yield loss to switch into Vanguard money market with loss of FDIC insurance? Or 12 month CD (or even no-penalty CD) with slight loss of liquidit...
by WhaleMan
Sat Jul 06, 2019 8:56 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation Taxable vs Tax Deferred
Replies: 4
Views: 543

Re: Asset Allocation Taxable vs Tax Deferred

I use target dates for my retirement funds as it is low cost(tsp). I use target dates for 529’s, again low cost. I use 3 Fund portfolio for wife’s retirement as she does not have low target date funds. I use Swensen allocation for taxable and roth and rollover IRA all at vanguard. Keeping tax ineffi...
by WhaleMan
Sat Jul 06, 2019 8:41 am
Forum: Personal Investments
Topic: High income investor NOT using municipal bonds?
Replies: 14
Views: 2094

Re: High income investor NOT using municipal bonds?

I split 70/30 muni/US total bond index fund in taxable to try to balance exposure and tax efficiency.
by WhaleMan
Sun May 12, 2019 7:43 pm
Forum: Personal Investments
Topic: Options for bond fund allocations
Replies: 5
Views: 526

Re: Options for bond fund allocations

Thanks for everyone's thoughts. I have thought about rolling back the IRA's into employer sponsored accounts. However, I have been utilizing them to place my tax inefficient funds as part of my asset allocation at Vanguard. I am leaning towards adding municipal bonds in my taxable and otherwise stay...
by WhaleMan
Sun May 12, 2019 4:21 pm
Forum: Personal Investments
Topic: Options for bond fund allocations
Replies: 5
Views: 526

Options for bond fund allocations

I cannot contribute directly to a Roth. I do not have the ability to (reasonably) do a Roth Conversion tax-wise as my wife and I both have Rollover IRA's. Mid 35 year old. Accruing phase. My Investment Strategy with my Vanguard Accounts (Taxable, Roths, & Rollover IRA's) calls for 30% allocation to ...
by WhaleMan
Sun Mar 31, 2019 12:47 pm
Forum: Personal Investments
Topic: Non-Deductible tIRA for Bonds?
Replies: 7
Views: 447

Non-Deductible tIRA for Bonds?

Putting the Back Door Roth aside, is there a role for a non-deductible IRA as a place to "hide" tax inefficient bond funds that would otherwise be in a taxable account? The bogleheads wiki page regarding this topic shows that a taxable account is a better deal uses a stock index fund as an example, ...
by WhaleMan
Sun Feb 17, 2019 10:51 pm
Forum: Personal Investments
Topic: Account Transfers and Taxable Events
Replies: 2
Views: 257

Account Transfers and Taxable Events

After seeing the light, we are parting ways with our 1% commission-based advisor. I need to transfer several accounts to Vanguard and am worried about making a silly mistake and creating a taxable event. We have a taxable account as well a several tax deferred: 2 Roth IRA accounts, 2 Rollover IRA's ...
by WhaleMan
Sun Feb 10, 2019 9:38 pm
Forum: Investing - Theory, News & General
Topic: Taxable Account - Vanguard Mutual Fund vs Equivalent ETF Tax Efficiency
Replies: 3
Views: 696

Taxable Account - Vanguard Mutual Fund vs Equivalent ETF Tax Efficiency

Simple question: In a taxable vanguard account with a long term outlook, is there a significant yearly tax bill difference between Vanguard Index Mutual Fund vs equivalent ETF option? I am aware theoretically the ETF should have no capital gain taxes until I sell. However, my natural inclination is ...