Search found 484 matches

by retired@50
Fri Nov 22, 2019 1:06 am
Forum: Personal Investments
Topic: 401K Contributions
Replies: 5
Views: 532

Re: 401K Contributions

I'd bring it up with someone in payroll or human resources. Perhaps you could try to find out more about the process and why the heck it takes more than three days. The worst I ever experienced was getting paid on Fridays, and sometimes it would take until the following Wednesday. I spoke to the CFO...
by retired@50
Fri Nov 22, 2019 12:56 am
Forum: Personal Investments
Topic: Rebalancing while gradually changing the asset allocation
Replies: 1
Views: 150

Re: Rebalancing while gradually changing the asset allocation

I don't think you'll always get to do both 1 & 2. It depends on if you actually need to re-balance. If you wanted to stay at 90/10 and you looked at your accounts a year later and they were still 90/10, there wouldn't be anything to do. Same story here, but in your case your desired AA is 89/11. If ...
by retired@50
Thu Nov 21, 2019 6:48 pm
Forum: Personal Investments
Topic: Annuities in the "Bond" Asset Mix
Replies: 4
Views: 274

Re: Annuities in the "Bond" Asset Mix

Thoughts on MassMutual Stable Voyage or NY Life Secure Term MVA Fixed IV annuity to join my "'bond" asset mix? Fidelity offers 2.4 yield on 100k held 3 or 4 years with MassMutual, and 100k at NY Life, 2.3. Pros/cons if up against CDs around 2.31 at my credit union. Thanks! I'd stay away from insura...
by retired@50
Thu Nov 21, 2019 6:46 pm
Forum: Personal Investments
Topic: Portfolio diversification
Replies: 4
Views: 316

Re: Portfolio diversification

A question regarding portfolio diversification. Planning to retire in ten years I'm sixty. My pension will cover my expenses. I'm currently in growth funds. Should I diversify Generally, of course the answer is "Yes". However, since you don't reveal much about your situation, it's hard to say with ...
by retired@50
Thu Nov 21, 2019 6:13 pm
Forum: Personal Investments
Topic: New Boglehead - Confused About Retirement Money
Replies: 10
Views: 1209

Re: New Boglehead - Confused About Retirement Money

OP,
As they often say in investing, the first million is the toughest... To help your education you could try reading about how long it takes your money to double. See "Rule of 72" link.

Regards,

https://www.investopedia.com/terms/r/ruleof72.asp
by retired@50
Thu Nov 21, 2019 12:02 pm
Forum: Personal Investments
Topic: Do you keep deposting money into IRA while "market crashes"?
Replies: 25
Views: 1835

Re: Do you keep deposting money into IRA while "market crashes"?

thelateinvestor43 wrote:
Thu Nov 21, 2019 1:43 am
If (hopefully it won't happen) the market crashes would I continue to still feed money into my Roth IRA?
Yes. Doing so will lower your average cost of whichever fund(s) you're buying and will likely lead to satisfaction over the years between now and retirement.

Regards,
by retired@50
Thu Nov 21, 2019 11:59 am
Forum: Personal Investments
Topic: Joining a new employer in December and maxing out a 401k
Replies: 13
Views: 485

Re: Joining a new employer in December and maxing out a 401k

So once the account is opened, it's not possible to contribute directly by just transferring money from a bank account, like I would for an IRA? I've never heard of this sort of transfer being allowed, but I have used high percentage contributions from my paycheck. I think in my case, it was around...
by retired@50
Thu Nov 21, 2019 11:19 am
Forum: Personal Investments
Topic: Dollar Cost Averaging or: how I learned to stop worrying and love the Lump Sum
Replies: 37
Views: 2832

Re: Dollar Cost Averaging or: how I learned to stop worrying and love the Lump Sum

Since many investors typically get their money every two weeks or twice a month via a paycheck and invest it then, the VAST majority of people in 401k plans are using DCA whether they realize it or not, and many of them do just fine. Investing money when you get the money is not DCA'ing, that is pe...
by retired@50
Thu Nov 21, 2019 1:10 am
Forum: Personal Investments
Topic: Dollar Cost Averaging or: how I learned to stop worrying and love the Lump Sum
Replies: 37
Views: 2832

Re: Dollar Cost Averaging or: how I learned to stop worrying and love the Lump Sum

It is normally used in reference to purchasing shares with a large amount(windfall) of money. I have not seen DCA used in reference to selling shares. As my story demonstrates, windfalls come in more forms than just cash, and DCA is bunk no matter the form the windfall appears. So, in your case in ...
by retired@50
Thu Nov 21, 2019 12:47 am
Forum: Personal Investments
Topic: Recently married, early 30's portfolio/fire advice?
Replies: 50
Views: 5524

Re: Recently married, early 30's portfolio/fire advice?

Is it me or did ruralavalon post the same response three times in a row? Yea I thought I was seeing things too. My next newbie question is will we owe additional taxes when we file our return this year on the 12k we are putting into our new Roth IRA's? edit: disregard - obviously forgetting about t...
by retired@50
Wed Nov 20, 2019 9:09 pm
Forum: Personal Investments
Topic: Suggestions on "bond" allocation
Replies: 11
Views: 1054

Re: Suggestions on "bond" allocation

Thanks for all of the feedback. I like the comment on having asset classes that move opposite of each other in your portfolio. Hence the reason to hold bonds. "ruralavalon" - curious to hear your (or anyone else) advice on what would be the best option for short-term cash in my situation. Money Mar...
by retired@50
Wed Nov 20, 2019 8:53 pm
Forum: Personal Investments
Topic: S&P 500 Index vs Total Stock Market Index
Replies: 20
Views: 2764

Re: S&P 500 Index vs Total Stock Market Index

I've read that over the very long term (many decades), the annualized return of a total stock market index is nearly identical to the S&P 500 index. In some of the research, I see the S&P 500 slightly beating the total stock market index over the very long term. If the total stock market index cont...
by retired@50
Wed Nov 20, 2019 8:44 pm
Forum: Personal Investments
Topic: Recently married, early 30's portfolio/fire advice?
Replies: 50
Views: 5524

Re: Recently married, early 30's portfolio/fire advice?

Is it me or did ruralavalon post the same response three times in a row?
by retired@50
Wed Nov 20, 2019 8:36 pm
Forum: Personal Investments
Topic: transferring cash between vanguard accounts
Replies: 6
Views: 576

Re: transferring cash between vanguard accounts

Hi, Is there a way to transfer funds/cash between vanguard accounts of two different owners without going through a regular bank? Is it possible to link these two vanguard accounts directly? Thanks. Yes, IF you are an agent on the recipient account as well as the source account. Oddly, this doesn't...
by retired@50
Wed Nov 20, 2019 8:23 pm
Forum: Personal Investments
Topic: Transferring from Northwestern mutual to Vanguard
Replies: 7
Views: 573

Re: Transferring from Northwestern mutual to Vanguard

Welcome to the forum! A few comments: 1. Definitely transfer to a long-established, low cost brokerage. Over an investing lifetime that kind of cost will mean hundreds of thousands of dollars in your portfolio. The most common recommendations here are Vanguard, Fidelity and Schwab. Each has a full ...
by retired@50
Wed Nov 20, 2019 7:16 pm
Forum: Personal Investments
Topic: Recently married, early 30's portfolio/fire advice?
Replies: 50
Views: 5524

Re: Recently married, early 30's portfolio/fire advice?

What are the relative sizes of these accounts? In other words what percentage of the total portfolio is in each account? With that information members can give you example portfolios illustrating how you could coordinate investments among all accounts. My current question is I know that bond funds ...
by retired@50
Wed Nov 20, 2019 7:02 pm
Forum: Personal Investments
Topic: Considering [investing in international market]
Replies: 16
Views: 935

Re: Considering [investing in international market]

If I didn't have ANY international equity exposure I'd probably feel a bit out of step with current guidance from a number of sources. I understand that Jack Bogle was a wonderful man, and I love what he did for the mutual fund industry and for Vanguard clients in particular. I currently hold about ...
by retired@50
Wed Nov 20, 2019 6:45 pm
Forum: Personal Investments
Topic: Individual bond/ladder vs. bond fund/duration question
Replies: 19
Views: 651

Re: Individual bond/ladder vs. bond fund/duration question

I believe there is always a "chance" you can lose principal when investing in a bond index fund. I suspect this is because bond mutual funds don't always hold every bond they buy until maturity. In the very long run, this probably matters less and less. If the notion of not being paid full face valu...
by retired@50
Wed Nov 20, 2019 1:25 pm
Forum: Personal Investments
Topic: Using Rental Property to Fund a Doner Advised Fund
Replies: 5
Views: 276

Re: Using Rental Property to Fund a Doner Advised Fund

Couldn't you just add the monthly rent to the DAF, then allow your heirs to sell the property with a stepped up basis upon your passing, then direct the heirs to use real estate proceeds to add to the DAF...

Regards,
by retired@50
Wed Nov 20, 2019 1:17 pm
Forum: Personal Investments
Topic: HSA - Can I get a better return?
Replies: 22
Views: 1590

Re: HSA - Can I get a better return?

Ahem... so what would be the potential liability of just playing "dumb" and depositing money into the HSA without doing all the necessary discovery to assure we are compliant? My wife and I are low income enough and our taxes are simple enough that we don't have a high risk of an audit and I have a...
by retired@50
Wed Nov 20, 2019 11:11 am
Forum: Personal Investments
Topic: I want to make my children millionaires.
Replies: 41
Views: 5067

Re: I want to make my children millionaires.

Don’t give them money. Teach them about money and how to use it as a tool. How to earn, save, invest and spend. Lead by example. Your lifestyle and your decisions—your example—will shape their future more than monetary gifts. Many people who give their children money soon realize that their kids ex...
by retired@50
Wed Nov 20, 2019 10:57 am
Forum: Personal Investments
Topic: Rebalance now or wait until January?
Replies: 11
Views: 909

Re: Rebalance now or wait until January?

I'd suggest choosing a re-balance anniversary, like your birthday, that way you always do it the same time every year....

Regards,
by retired@50
Tue Nov 19, 2019 7:45 pm
Forum: Personal Investments
Topic: Best use of brokerage after 401k and Roth
Replies: 24
Views: 1594

Re: Best use of brokerage after 401k and Roth

I'm curious -- considering I'm not going to put bond into Roth anymore, how, if at all, should my future 401k contributions be changed? I suppose as long as I maintain my desired allocation (~50|30|20) it shouldn't matter? Assuming that you are maxing out both your 401k and Roth IRA, simply follow ...
by retired@50
Tue Nov 19, 2019 10:58 am
Forum: Personal Investments
Topic: Thanks to Bogleheads for saving me $$$
Replies: 6
Views: 2079

Re: Thanks to Bogleheads for saving me $$$

It's a BRAND NEW DAY !!!

Regards,
by retired@50
Tue Nov 19, 2019 10:51 am
Forum: Personal Investments
Topic: Am I diverse or my funds too similar?
Replies: 4
Views: 418

Re: Am I diverse or my funds too similar?

I'm 31 years old with no debt. I make $46k a year. I am wondering if I have too many funds that are similar to one another. Should I consider looking elsewhere to invest my money to be more diverse? Such as different Vanguard ETFs. small cap, midcap, dividend, etc. or consider stocks? I have two fu...
by retired@50
Tue Nov 19, 2019 10:39 am
Forum: Personal Investments
Topic: High ER 401K fund choice
Replies: 13
Views: 648

Re: High ER 401K fund choice

I'm not sure at what point the advantage of tax-deferral gets outweighed by the high cost of expense ratios and or 401k plan participant fees, but you might be close... Since there isn't any matching, the plan is even less attractive. I suppose if I were you I'd do two things... I'd try to convince ...
by retired@50
Tue Nov 19, 2019 12:39 am
Forum: Personal Investments
Topic: "diversify" tax advantages
Replies: 7
Views: 647

Re: "diversify" tax advantages

Personally, I'd want to be certain about the 403b plan and any associated fees you may be paying as a plan participant. Having said that, I do like the flexibility of having some retirement savings in both tax-deferred (403b) and tax-free future withdrawals (Roth IRA). The tax diversification is a g...
by retired@50
Tue Nov 19, 2019 12:33 am
Forum: Personal Investments
Topic: Any downside to exchanging Vanguard funds regularly?
Replies: 5
Views: 720

Re: Any downside to exchanging Vanguard funds regularly?

I suspect you can read up on the frequent trading policy at Vanguard.com. Given the scenario you describe, I don't think it would be disallowed.

Regards,
by retired@50
Tue Nov 19, 2019 12:31 am
Forum: Personal Investments
Topic: Recently married, early 30's portfolio/fire advice?
Replies: 50
Views: 5524

Re: Recently married, early 30's portfolio/fire advice?

Also, I find it very interesting that her previous 401(k) that's all in a LIVKX 2055 target date fund currently holds all stocks and no bonds while her new 401(k) that's all in VIVLX (also 2055 target date), is already at a 10% bond allocation. I suppose this is the difference between Blackrock (LI...
by retired@50
Mon Nov 18, 2019 7:12 pm
Forum: Investing - Theory, News & General
Topic: Are individual stocks back on the table now that we have $0 commissions?
Replies: 54
Views: 3808

Re: Are individual stocks back on the table now that we have $0 commissions?

Does it now make sense for us, as retail investors, to simply devise well-diversified selections of individual stocks and hold them, rather than buying mutual fund or ETF shares? No. It was never about the commission. It was always about the added risk of individual stocks. You can reduce that by h...
by retired@50
Mon Nov 18, 2019 6:05 pm
Forum: Personal Investments
Topic: 1-3 large stock holdings keeping me from reaching proper asset allocation - need advice
Replies: 14
Views: 959

Re: 1-3 large stock holdings keeping me from reaching proper asset allocation - need advice

Is your reluctance to sell due to emotional concerns or are you trying to avoid some sort of tax consequence? I've never used a SEP-IRA, but if it's like a regular IRA, you can sell with no tax consequences and use the proceeds to buy what ever gets you toward your proper asset allocation. Regards,
by retired@50
Mon Nov 18, 2019 3:01 pm
Forum: Investing - Theory, News & General
Topic: LifeStrategy tinkering - incorrect dates & "market liquidity fund"?
Replies: 7
Views: 720

Re: LifeStrategy tinkering - incorrect dates & "market liquidity fund"?

To answer question 1. I suppose Vanguard doesn't want to bother updating the percentage every day, so they do it once per month and call it good. Since, as you mention, the shift is only a couple tenths of a percent. Does a shift this minor throw off your investing strategy? If so, you may be re-bal...
by retired@50
Mon Nov 18, 2019 12:30 pm
Forum: Personal Investments
Topic: Does VSCGX+VSMGX=50/50?
Replies: 7
Views: 427

Re: Does VSCGX+VSMGX=50/50?

Vanguard doesn't have a target risk fund with a 50/50 allocation. If one were to split a sum equally amongst the two named funds (40/60 and 60/40), does that equate to a fund at 50/50? At least on day one, I suspect. How will that ratio change over time due to market movements? I think the answer i...
by retired@50
Mon Nov 18, 2019 12:18 pm
Forum: Personal Investments
Topic: A discussioin on Indexing for new members
Replies: 1
Views: 312

Re: A discussioin on Indexing for new members

I listened all the way through... It's nice to hear from Bogle, French, Fama, et al...

Regards,
by retired@50
Mon Nov 18, 2019 10:59 am
Forum: Personal Investments
Topic: What to do with this cash? Anything?
Replies: 10
Views: 1032

Re: What to do with this cash? Anything?

You could set up a 529 account for the "baby on the way". You just might find that the extra cash finds a way to disappear as the child ages. Read up on how these plans work before investing. My understanding is that you can open one in any state, not just your home state, and that you can deal with...
by retired@50
Mon Nov 18, 2019 12:20 am
Forum: Investing - Theory, News & General
Topic: Are individual stocks back on the table now that we have $0 commissions?
Replies: 54
Views: 3808

Re: Are individual stocks back on the table now that we have $0 commissions?

Let's say you wanted to put together a 500-stock fund of your own making, and that the average share price among those 500 stocks is $ 50. You could devise a $ 25,000 investment, with $ 0 transactions costs. Why not? Do you want to include Amazon in this 500 Stock index for $25,000? It trades over ...
by retired@50
Sun Nov 17, 2019 8:26 pm
Forum: Personal Investments
Topic: Best use of brokerage after 401k and Roth
Replies: 24
Views: 1594

Re: Best use of brokerage after 401k and Roth

I'm curious -- considering I'm not going to put bond into Roth anymore, how, if at all, should my future 401k contributions be changed? I suppose as long as I maintain my desired allocation (~50|30|20) it shouldn't matter? Assuming that you are maxing out both your 401k and Roth IRA, simply follow ...
by retired@50
Sun Nov 17, 2019 4:21 pm
Forum: Personal Investments
Topic: Money Market fund or bond
Replies: 8
Views: 1250

Re: Money Market fund or bond

I have my bond allocation amount (500K) sitting in money market account due to a recent roll over. I am not sure if I should stay at MM for a while or divide into VBTLX now. My concern is that bond prices are at historical high and yield is very low. Some one in this forum said, the interest rates ...
by retired@50
Sun Nov 17, 2019 4:14 pm
Forum: Personal Investments
Topic: Traditional 401k vs Roth 401k
Replies: 2
Views: 186

Re: Traditional 401k vs Roth 401k

I’m 38, income of $143,000-$150,000/year depending on how much OT I work. Married filing jointly with 4 children. Max out traditional 401k, Roth IRA, wife’s Traditional IRA and HSA account yearly. $400k in traditional 401k. Should I be placing money in Roth 401k instead to avoid paying taxes on 401...
by retired@50
Sun Nov 17, 2019 3:33 pm
Forum: Personal Investments
Topic: Best use of brokerage after 401k and Roth
Replies: 24
Views: 1594

Re: Best use of brokerage after 401k and Roth

Hi everyone, Vanguard Roth IRA Total Bond Mkt Index Adm (VBTLX) - 5% ^^Use "Exchange" function at Vanguard.com to off load VBTLX and use proceeds to buy VTSAX Vanguard Total Stock Market Index Admiral (VTSAX) - 2.5% building this up rather than bonds Vanguard 401k Vanguard Total Bond Market Index A...
by retired@50
Sun Nov 17, 2019 3:16 pm
Forum: Personal Investments
Topic: Best use of brokerage after 401k and Roth
Replies: 24
Views: 1594

Re: Best use of brokerage after 401k and Roth

Consider holding 100% equity in your Roth IRA for highest expected growth, tax free. Hold your bond allocation in your 401k. A high-yield savings account, money market fund (like VMFXX), CD or U.S. treasuries is appropriate for short/medium-term savings (such as for a house). Thanks, HomeStretch. I...
by retired@50
Sun Nov 17, 2019 2:04 pm
Forum: Personal Investments
Topic: Increasing risk appetite
Replies: 36
Views: 1447

Re: Increasing risk appetite

am wrote:
Sun Nov 17, 2019 2:03 pm
Isn’t having a fun portfolio as small % of assets ok, even per Bogle?
Sure, see my original post.

Regards,
by retired@50
Sun Nov 17, 2019 1:59 pm
Forum: Personal Investments
Topic: which bond fund and what %
Replies: 8
Views: 556

Re: which bond fund and what %

VNYTX if you can commit $3,000 or VNYUX if you want to commit $50,000 or greater.
The percentage of your asset allocation is up to you.
Regards,
by retired@50
Sun Nov 17, 2019 1:56 pm
Forum: Personal Investments
Topic: Increasing risk appetite
Replies: 36
Views: 1447

Re: Increasing risk appetite

Of late my desire to “play the markets” has increased. Why? Don’t know for sure. Probably greed, boredom with just a 3 funder, trying to get closer to my number faster. Coming here for support. Take up a new hobby. How about carpentry, or bird watching, or biking, any of which could be less expensi...
by retired@50
Sun Nov 17, 2019 12:29 pm
Forum: Personal Investments
Topic: Increasing risk appetite
Replies: 36
Views: 1447

Re: Increasing risk appetite

I am a diehard 3 funder since 2007. Have done well by hanging out on BH, bull market and high income. Anticipate basic financial independence early 50s assuming no big bear or other negative event. Of late my desire to “play the markets” has increased.I want to let a small % run on risky strategies...
by retired@50
Sun Nov 17, 2019 12:24 pm
Forum: Personal Investments
Topic: Suggestions on "bond" allocation
Replies: 11
Views: 1054

Re: Suggestions on "bond" allocation

Looking for advice on the best investment for our 20% "bond" allocation. With a constant flow of new money to invest does it make sense to park the money in bonds, CDs or Money Market? There is no immediate need for the money so no concerns with it being liquid. Our Federal tax rate is 37%, State 6...
by retired@50
Sun Nov 17, 2019 10:40 am
Forum: Personal Investments
Topic: JOINT OR SOLO OWNERSHIP
Replies: 7
Views: 353

Re: JOINT OR SOLO OWNERSHIP

If there is a divorce, how are pre marriage assets affected in a community property state My understanding is that if the prior ownership of the asset(s) can be established before the wedding day, then they can remain out of the community property bucket. No documentation would make this more of a ...
by retired@50
Sun Nov 17, 2019 10:36 am
Forum: Personal Investments
Topic: Fitbit [stock] giving me fits
Replies: 10
Views: 990

Re: Fitbit giving me fits

I haven't sold, wanting to defer the capital gains. Now the stock is at $6.80 per share. Is that an indicator of a problem with the sale? Is there a particular reason to "defer the capital gains"? It sounds like just a one year deferral, from 2019 into 2020. Is that one-year deferral important to y...
by retired@50
Sun Nov 17, 2019 10:24 am
Forum: Personal Investments
Topic: Why do you have to "beat the market"?
Replies: 97
Views: 6062

Re: Why do you have to "beat the market"?

Because the commercials say I'm supposed to. This is the myth started by financial planners, advisers, etc. They want you to save more, and "reach" for higher returns because it helps them with higher expense ratios and higher AUM totals... Every wasted basis point goes toward someone's yacht. Pers...
by retired@50
Sun Nov 17, 2019 10:13 am
Forum: Personal Investments
Topic: Obamacare limits investing opportunities?
Replies: 36
Views: 3358

Re: Obamacare limits investing opportunities?

I think the trouble is with the "cliff" aspect of ACA premium subsidies... Once you earn over 400% of the federal poverty line, no assistance. So, earning just a few thousand over the limit is a losing proposition. If you were to earn $125,000 per year, you'd just look at the expensive health insura...