Search found 14 matches

by Abarn
Tue Nov 12, 2019 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: High deductible insurance vs basic
Replies: 6
Views: 471

High deductible insurance vs basic

What is everyone's opinion on high deductible health insurance with a health savings account? I have the option to contribute to a HSA with a high deductible insurance plan. Considering the tax benefits and long term investment with an HSA, in a normal year I would 100% take this option. However, my...
by Abarn
Fri Nov 08, 2019 8:20 am
Forum: Personal Investments
Topic: Boglehead investing through a major downturn
Replies: 58
Views: 6858

Re: Boglehead investing through a major downturn

This is a bit off topic but how do you approach adjusting your AA during a downturn? Specifically if, based on your predetermined AA glide path, you are scheduled to increase your percentage of bonds and decrease your percentage of equities (and this happens to be during a downturn), does it make mo...
by Abarn
Fri May 31, 2019 9:56 am
Forum: Personal Investments
Topic: Vanguard moving clients from mutual funds to ETFs?
Replies: 34
Views: 4340

Re: Vanguard moving clients from mutual funds to ETFs?

I added mutual funds because I started doing the recurring automatic investments which is not available with ETFs. This helps eliminate market timing for me. This might be a novice question, but can you not make automatic contributions if using ETFs (i.e. if you invest in an ETF fund you can't make...
by Abarn
Thu May 23, 2019 7:14 pm
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 173
Views: 22896

Re: VTSAX or VTWAX over the next 35 years?

My apologies if this has already been posted but here is Vanguard's recent 10 year projected returns...

https://www.philly.com/business/vanguar ... 90522.html
by Abarn
Mon Apr 29, 2019 11:07 am
Forum: Investing - Theory, News & General
Topic: Thoughts on this Forbes article? "Why Most Index Funds And ETFs Are Not Good Investments"
Replies: 76
Views: 11256

The counterargument [Index investing is not a good strategy for most]

[Thread merged into here, see below. --admin LadyGeek] I'm sure a lot of you have already seen this article... https://www.forbes.com/sites/robertlawton/2019/04/28/index-investing-not-a-good-investment-strategy-for-most-investors/#3a7ee8433c43 - Index Investing Is Not A Good Investment Strategy For...
by Abarn
Tue Apr 16, 2019 4:14 am
Forum: Personal Investments
Topic: Which combination best approximates total US market?
Replies: 4
Views: 492

Which combination best approximates total US market?

I'm trying to determine my best option for approximating the total US stock market with the available funds in my 403(b). If you could choose would you use: A) 81% Vanguard Institutional Index Fund Institutional Plus Shares (VIIIX) 4% Vanguard Mid-Cap Index Fund Admiral Shares (VIMAX) 15% Vanguard S...
by Abarn
Sun Mar 31, 2019 2:44 pm
Forum: Personal Investments
Topic: Silly tIRA/backdoor Roth question
Replies: 4
Views: 299

Re: Silly tIRA/backdoor Roth question

mhalley wrote:
Sun Mar 31, 2019 2:35 pm
The money is interest from the mm fund while it was in the account. Wci has a post on how pennies affect the bd Roth here.
https://www.whitecoatinvestor.com/penni ... -roth-ira/
That answered my question perfectly, thank you!
by Abarn
Sun Mar 31, 2019 2:18 pm
Forum: Personal Investments
Topic: Silly tIRA/backdoor Roth question
Replies: 4
Views: 299

Silly tIRA/backdoor Roth question

This month I did a backdoor Roth for both my wife and me through Fidelity. I left both our IRA accounts open and after transferring the funds to our Roth accounts and both IRA accounts had $0. I notices yesterday that both IRA accounts now have ~$0.30 in them from interest gained. Was this interest ...
by Abarn
Tue Mar 19, 2019 12:56 pm
Forum: Personal Investments
Topic: Put equity in home or invest?
Replies: 14
Views: 1599

Re: Put equity in home or invest?

Getting rid of PMI is usually a win, because it's wasted money from your perspective. That said, please read the wording carefully on how that process works with your loan. In a lot of cases it's phrased in a way that looks at first glance like it goes away when you hit a financial threshold, but t...
by Abarn
Tue Mar 19, 2019 12:50 pm
Forum: Personal Investments
Topic: Put equity in home or invest?
Replies: 14
Views: 1599

Re: Put equity in home or invest?

Hello all. I currently have a little over 10% equity in my home and am paying $116 per month in private mortgage insurance. I am in the fortunate situation of having more of a cash reserve than I need right now. I'm wondering if it would be smarter to take this extra cash and pay down the mortgage ...
by Abarn
Tue Mar 19, 2019 10:10 am
Forum: Personal Investments
Topic: Put equity in home or invest?
Replies: 14
Views: 1599

Put equity in home or invest?

Hello all. I currently have a little over 10% equity in my home and am paying $116 per month in private mortgage insurance. I am in the fortunate situation of having more of a cash reserve than I need right now. I'm wondering if it would be smarter to take this extra cash and pay down the mortgage a...
by Abarn
Mon Mar 18, 2019 11:10 am
Forum: Personal Investments
Topic: Where do you keep your Emergency Fund?
Replies: 81
Views: 14121

Re: Where do you keep your Emergency Fund?

Marcus Goldman Sachs online savings account. Currently at 2.25%
by Abarn
Fri Mar 15, 2019 7:01 pm
Forum: Personal Investments
Topic: Portfolio Review and Advice on FA?
Replies: 7
Views: 714

Re: Portfolio Review and Advice on FA?

Thank you for the input. He is a close friend of my in-laws and has been their financial adviser for years. I know he is trying to be friendly and helpful but I know so much more now than I did when we initially met and I think he's going to be very surprised (hopefully pleasantly) with my knowledge...
by Abarn
Wed Mar 13, 2019 4:04 pm
Forum: Personal Investments
Topic: Portfolio Review and Advice on FA?
Replies: 7
Views: 714

Portfolio Review and Advice on FA?

Hello all. I'm hoping to get some insight on my portfolio and current asset allocation. Also, I foresee kind of a tricky situation on the horizon with a financial adviser who happens to be a very close family friend. Information about me: Emergency fund: More than adequate at this time Debt: Mortgag...