Search found 19 matches

by invest8104
Wed Apr 15, 2020 6:07 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio: ‘you’d be pretty crazy to hold bonds’ right now
Replies: 151
Views: 18665

Re: Ray Dalio: ‘you’d be pretty crazy to hold bonds’ right now

Sounds like he's long equities and wants you to hop on and pump them up for him. Do your civic duty and inflate the bubble man! Not true at all. Watch this video. He says coronacrash is going to be worse than 2008. https://www.ted.com/talks/ray_dalio_what_coronavirus_means_for_the_global_economy Th...
by invest8104
Wed Mar 25, 2020 1:47 pm
Forum: Personal Investments
Topic: 50% S&P500 /25% Bonds /25% Cash
Replies: 14
Views: 1339

Re: 50% S&P500 /25% Bonds /25% Cash

I reside in Florida so there is no state income tax. I need a high cash position for other investments - Businesses & RE. I have limited funds in an IRA - $20k compared to $300k in the taxable account. It is not even worth sticking the Bonds in this, given the overall balance of the accounts. I ...
by invest8104
Wed Mar 25, 2020 1:10 pm
Forum: Personal Investments
Topic: 50% S&P500 /25% Bonds /25% Cash
Replies: 14
Views: 1339

50% S&P500 /25% Bonds /25% Cash

Hi Bogleheads, Thoughts on a 50% S&P500, 25% Bonds & 25% Cash portfolio in a taxable account? For the sake of this conversation, say you are 30 y/o and do not have access to bonds in your tax advantage account. Which bond fund would you use in this case? I see that there has been a lot of co...
by invest8104
Fri Mar 13, 2020 9:41 am
Forum: Personal Investments
Topic: Asset Allocation
Replies: 1
Views: 149

Asset Allocation

Hi Everyone, How would you invest with the following assets if you wanted a 60/40 (no international) allocation: Taxable Brokerage Money Market - $77,555.95 VFIAX - $50,913.79 (down $8,255.02) Traditional IRA Money Market - $4,267.96 VTSAX - $18,942.06 (down $4,057.94) How would you take advantage o...
by invest8104
Tue Jan 28, 2020 3:07 pm
Forum: Personal Investments
Topic: Investment Planning
Replies: 9
Views: 893

Re: Investment Planning

I am very sorry, maybe I'm cranky this morning, but I cannot get past this: Your wife took loans so she could get a degree leading to a (seemingly) great job where she, along with her husband, has the ability to not only put money away for retirement, but actually save $10K per month? And you're ho...
by invest8104
Tue Jan 28, 2020 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Refinance [15 year or 30 year?]
Replies: 12
Views: 629

Re: Refinance

DawgFan2001 wrote: Tue Jan 28, 2020 11:32 am May I ask where you found 2.875% on a 15 year?
My mortgage broker. I live in South Florida. Rates took a huge dip yesterday after the sell off.
by invest8104
Tue Jan 28, 2020 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Refinance [15 year or 30 year?]
Replies: 12
Views: 629

Re: Refinance

Silk McCue wrote: Tue Jan 28, 2020 11:17 am Unless their is a very strong likelihood that you will rent this out in a few years I would take the 15 year.

Cheers
What is your reasoning for this?
by invest8104
Tue Jan 28, 2020 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Refinance [15 year or 30 year?]
Replies: 12
Views: 629

Refinance [15 year or 30 year?]

Hi Everyone, Wanted you opinion on refinancing. Current Mortgage: 30 Year Conventional Rate - 4.25% 27 years left Mortgage Balance - $273k Refinance Options: 15 Year - 2.875% 30 Year - 3.5% No Points I can easily afford either payment. I plan on residing in this house for the next 2-3 years, with a ...
by invest8104
Sat Jan 25, 2020 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing Home
Replies: 11
Views: 826

Re: Purchasing Home

Thanks for the reply. Student loans are less than the new house. My current house is worth approximately $400k. The new house we would like to purchase is around $800k. Our home life is important to us. I know the smart thing to do would be to pay off the loans as quickly as possible, but we don’t a...
by invest8104
Sat Jan 25, 2020 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing Home
Replies: 11
Views: 826

Purchasing Home

Hi everyone, I wanted to get your thoughts on purchasing a home. My wife and I currently live in 3/2 in south Florida with our two dogs. We plan on starting a family very soon and my wife is wanting a larger home. We have more than enough income to suffice for any homes we like, however I have been ...
by invest8104
Sat Jan 11, 2020 1:42 pm
Forum: Personal Investments
Topic: Investment Ideas
Replies: 8
Views: 710

Re: Investment Ideas

At 10k per month you must be pretty high income. Are you able to make direct contributions to Roth IRA? If not, you should roll the traditional IRA into your Solo 401k when it is set up. This will allow you to do backdoor Roth and avoid the pro rata rule. Rolling my traditional into my Solo401k is ...
by invest8104
Sat Jan 11, 2020 1:38 pm
Forum: Personal Investments
Topic: Investment Ideas
Replies: 8
Views: 710

Re: Investment Ideas

What you need is money savings for retirement. Immediately open a self-employed tax-deferred account. Once invested, this money is for long term and not available for business operation or emergencies. It is the core of future money and can't be omitted. Note that you sound a bit risk averse, so 70/...
by invest8104
Sat Jan 11, 2020 10:13 am
Forum: Personal Investments
Topic: Investment Ideas
Replies: 8
Views: 710

Re: Investment Ideas

What are the holdings in your tIRA? - nothing currently. I just liquidated individual stock holdings I had. Why is it necessary for your Taxable account to produce high income subject to taxes now if you are contributing to it and want it to last 40-50 years? - my income fluctuates constantly. I was...
by invest8104
Sat Jan 11, 2020 7:09 am
Forum: Personal Investments
Topic: Investment Ideas
Replies: 8
Views: 710

Investment Ideas

Hi Everyone, I have been doing a lot of research on the bogleheads forums to get ideas for an investing strategy for my goals. Below are my current investments: Vanguard Taxable Account - $354,500 Money Market - $315,000 VFIAX - $33,500 VHYAX - $6,000 Vanguard Traditional IRA - $25,600 Moving $10,00...
by invest8104
Thu Dec 26, 2019 3:31 pm
Forum: Personal Investments
Topic: Investment Planning - 29 y/o
Replies: 10
Views: 652

Re: Investment Planning - 29 y/o

Please get rid of REIT and Bonds in your taxable account. These are very bad there. Put only VTSAX and/or VTIAX there. Put your bonds (VBTLX) in your traditional 401k/IRAs. Why do you have so much money in money market? Any goals for that money? Are you planning to buy a house or something? If not ...
by invest8104
Thu Dec 26, 2019 11:18 am
Forum: Personal Investments
Topic: Investment Planning - 29 y/o
Replies: 10
Views: 652

Re: Investment Planning - 29 y/o

If the bonds, REITs, or high-dividend in taxable are at a loss, sell right away. At a minimum turn-off dividend reinvestment on them. I would just use the basic 3-fund portfolio, and put all bonds in tax-advantaged (look up tax-efficient fund placement). Lump-sum the equity in taxable, and have a p...
by invest8104
Thu Dec 26, 2019 11:09 am
Forum: Personal Investments
Topic: Investment Planning - 29 y/o
Replies: 10
Views: 652

Investment Planning - 29 y/o

Hi Everyone, Looking to start a 3 Fund Portfolio and would like to get your opinions: Traditional IRA - $28,000 (currently not invested) Roth IRA (Wife) - $6,000 (VTSAX) Employer 401k (Wife) - $1,000 *Just started job Taxable Account VFIAX (S&P500) - $29,000 VBTLX (Bonds Mkt) - $3,000 VGSLX(REIT...
by invest8104
Tue Dec 24, 2019 10:14 pm
Forum: Personal Investments
Topic: Investment Planning
Replies: 9
Views: 893

Re: Investment Planning

Hi Everyone, I really appreciate the responses. I think I should of been a little more detailed when I wrote my original post. 1. We are paying $3,500 a month towards my wife student loans. She has just graduated 6 months ago. I am not paying down quicker, in the slim chance that a democrat gets ele...
by invest8104
Tue Dec 24, 2019 11:28 am
Forum: Personal Investments
Topic: Investment Planning
Replies: 9
Views: 893

Investment Planning

Hi Everyone, I wanted to get some of your opinions on an investing strategy for me. I am a big fan of the Vanguard style. Currently, I (29 y/o) own my own businesses and my wife (27 y/o) works as an optometrist. We are comfortable savings $10,000 a month. Currently, I am investing $3,000 a month int...