Search found 17161 matches

by Grt2bOutdoors
Tue Jan 16, 2018 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Suggestion Needed!
Replies: 5
Views: 120

Re: Investment Suggestion Needed!

I will reiterate what was said earlier - do not chase performance. The fastest way to lose money is to chase hot money. Boring is good, leave your money as is - if it ain’t broke, don’t fix it.
by Grt2bOutdoors
Tue Jan 16, 2018 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: too complacent?
Replies: 4
Views: 387

Re: too complacent?

Welcome to the forum! Complacent? No. We should be taking advice from you. :) What did you do in a past life to accumulate such large savings? A 65% allocation to equities implies a max drawdown of 32.5% if the equities markets correct by 50% (could, might it - no one knows). Even with that sort of ...
by Grt2bOutdoors
Mon Jan 15, 2018 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: Family death, house for sale, under-valued.
Replies: 17
Views: 1980

Re: Family death, house for sale, under-valued.

I wouldn't invest with a silent partner. What would happen if he should die soon after and his heirs want their share of what he had owned? Go with a bank, instead, if you insist on doing this. Received a quote for $100k loan @ 5%. Brother in law works at a bank and says he could probably get me 3 ...
by Grt2bOutdoors
Mon Jan 15, 2018 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Timing the market
Replies: 4
Views: 476

Re: Timing the market

Timing the market is a loser's game.
Not enough information to provide a proper response. See link at my signature - fill in the blanks and post it up for forum members to see. Then you will get more replies.
by Grt2bOutdoors
Mon Jan 15, 2018 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Bernstein in 4 Pillars of Investing advises no Vanguard total international in taxable?
Replies: 2
Views: 429

Re: Bernstein in 4 Pillars of Investing advises no Vanguard total international in taxable?

I'mr reading through William Bernstein's excellent 4 Pillars of Investing, and was surprised to read that he advises not to hold Vanguard Total International fund (VTIAX) in a taxable account because "it is a fund of funds....as such it is not eligible for the foreign dividend tax exclusion", in ot...
by Grt2bOutdoors
Mon Jan 15, 2018 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Possible retirement?
Replies: 10
Views: 963

Re: Possible retirement?

It's tight, if the market turns south you may find your capital depleting much faster.
It could work if your requirements were $50K after tax. Any possibility of you working part-time?
by Grt2bOutdoors
Mon Jan 15, 2018 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Family death, house for sale, under-valued.
Replies: 17
Views: 1980

Re: Family death, house for sale, under-valued.

We're you already planning on doing the real estate thing? Otherwise would pass. Put your business cap on. When an opportunity presents itself one should at least fully evaluate it. Does that include using the services of an anonymous internet forum who may or may not know what they are talking abo...
by Grt2bOutdoors
Mon Jan 15, 2018 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: have about 400k of new money coming in
Replies: 3
Views: 518

Re: have about 400k of new money coming in

panchilly wrote:
Mon Jan 15, 2018 10:05 pm
Thinking about putting 100% of it in VEU.

Is this wise?
Ask your question in the context of the link in my signature - Asking Portfolio Questions.
Your question is much too vague to provide a response without rest of the data including what your asset allocation plan is.
by Grt2bOutdoors
Mon Jan 15, 2018 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Are we in an Index fund bubble? Are we irrationally overlooking individual stock analysis?
Replies: 13
Views: 1660

Re: Are we in an Index fund bubble? Are we irrationally overlooking individual stock analysis?

Your scenario will never happen. The reason has to do with just one word: GREED! Greed will ensure that someone or perhaps a bunch of someones continue to actively trade the market in hopes of a better or bigger score. We can point the finger at a whole host of players --> endowments, pensions, hedg...
by Grt2bOutdoors
Mon Jan 15, 2018 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice for $50K in Taxable Account
Replies: 9
Views: 1066

Re: Investment Advice for $50K in Taxable Account

Hi All, I have $50K additional money that I would like to invest in the market. I am planning to invest this for a long term. Basically, I want to follow a set it and forget it approach. Cash Saved for Home down payment and related expenses: 200K Emergency Fund: 50K Location : NJ Debts : None Expen...
by Grt2bOutdoors
Sun Jan 14, 2018 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on where to invest 400K
Replies: 7
Views: 871

Re: Advice on where to invest 400K

Please post your portfolio in format shown in my signature- Asking Portfolio Questions.

Welcome to the forum.

You had stock grants - single undiversified risk and you are worried about investing in a low cost, diversified equity index fund? The stock grants had much more risk.
by Grt2bOutdoors
Sun Jan 14, 2018 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Adding 200k to Portfolio, don't want boring old VTSAX again -your criticism, suggestion for a little extra risk?
Replies: 39
Views: 4164

Re: Adding 200k to Portfolio, don't want boring old VTSAX again -your criticism, suggestion for a little extra risk?

Toons wrote:
Sun Jan 14, 2018 5:57 pm
Vanguard Explorer Fund Admiral Shares( VEXRX)
Enjoy



:mrgreen:
Not in taxable, distributions can be deadly in taxable.
by Grt2bOutdoors
Sun Jan 14, 2018 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: ‘Fun’ Money
Replies: 15
Views: 952

Re: ‘Fun’ Money

... 25%:Vanguard Total Stock Market EFT (VTI, .11 ER) 25%: Vanguard S&P 500 Index EFT (VOO, .04 ER) .... Skip the S&P 500, put 50% into Vanguard Total Stock Market I’m new to this whole thing, can I ask your insight on why? There is significant overlap between the S&P 500 fund and Total Stock. Tota...
by Grt2bOutdoors
Sun Jan 14, 2018 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Lump sum vs Pension question for 40 yo
Replies: 3
Views: 496

Re: Lump sum vs Pension question for 40 yo

You can expect any return you want, what you receive may be totally different. The markets have been good over the last 10 years, more or less, however the pension is guaranteed while the markets will give you what they give you. A high equity portfolio may return 7% but given the high returns over ...
by Grt2bOutdoors
Sat Jan 13, 2018 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: I Bond Rate and Yield
Replies: 4
Views: 797

Re: I Bond Rate and Yield

I have a few old I Bonds and was looking at the Treasury Direct inventory of my bonds. There is a "Rate" listed at 4.99% and a "Yield" listed at 5.18%. They were issued in Oct, 2001. How are these interpreted? Is one a composite number? What are these bonds currently earning? Thanks in advance for ...
by Grt2bOutdoors
Sat Jan 13, 2018 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Pension service credit purchase: yes or no?
Replies: 16
Views: 873

Re: Pension service credit purchase: yes or no?

Are you in TRS3 (or TRS2 or TRS 1)? Something important happens at 20 years of service. When calculating my wife's TRS3 pension, I stumbled into this. She can't buy service from teaching elsewhere, so she just needs to work (they may also have a plan to outright buy service credits, but we don't pl...
by Grt2bOutdoors
Sat Jan 13, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 4317

Re: Help me stop my addiction to stock market peeping!

aristotelian wrote:
Fri Jan 12, 2018 3:50 pm
It's so much fun when the market goes up every day.
It's even more exciting when the market is going down - all those bargains to be had!
If you want to test your resolve, that is the time to do the peeking.
by Grt2bOutdoors
Sat Jan 13, 2018 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Getting out of Whole Life Insurance
Replies: 15
Views: 879

Re: Getting out of Whole Life Insurance

Life insurance is not an investment. You were "taken" by this adviser (salesman in disguise). You've already realized this given your detailed post, after you've decided what alternative to take, the next step would be to FIRE the adviser. If you wish to purchase term life insurance, visit this site...
by Grt2bOutdoors
Sat Jan 13, 2018 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Pension service credit purchase: yes or no?
Replies: 16
Views: 873

Re: Pension service credit purchase: yes or no?

An 11 year deferred annuity for a husband/wife joint survivor with an initial lump sum deposit of $73,535 will yield $480 a month of non-Cola'd income. You can calculate this yourself at www.immediateannuities.com. I think its a great deal for you, to take what is offered. The state of WA is saying ...
by Grt2bOutdoors
Sat Jan 13, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Frontloading retirement accounts?
Replies: 8
Views: 689

Re: Frontloading retirement accounts?

Front load if you can. Most participants in employer provided plans simply do not have the liquidity to front load contributions. As noted, when markets are rising front loading can reap the benefits, when markets are declining, front loading will feel the effects. However, retirement accounts are l...
by Grt2bOutdoors
Fri Jan 12, 2018 6:06 pm
Forum: Investing - Theory, News & General
Topic: Should we be using high equity retirement portfolios? - Some cFIREsim scenarios.
Replies: 58
Views: 6122

Re: Should we be using high equity retirement portfolios? - Some cFIREsim scenarios.

We have been 80/20 to 95/5 in stocks for a long time, depending on rebalancing bands. Our plan is to have a "withdrawal" account of $250k in cash/CDs upon retirement. Our withdrawal plan from the portfolio is to start with 3.75% for the first 5 years, then drop to 3.5% when DH elects SS at his full...
by Grt2bOutdoors
Fri Jan 12, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Do bonds generally go up when the stock market crashes?
Replies: 27
Views: 1444

Re: Do bonds generally go up when the stock market crashes?

investing1012 wrote:
Fri Jan 12, 2018 4:36 pm
Do bonds generally go up when the stock market crashes?
No. Not all bonds are equal. Depends what kind you are holding. Ask junk bond holders how they made out in 2008.
by Grt2bOutdoors
Fri Jan 12, 2018 3:38 pm
Forum: Investing - Theory, News & General
Topic: If I have a million with Edward Jones, in 10 years, how much money has my FA made off me?
Replies: 48
Views: 6201

Re: If I have a million with Edward Jones, in 10 years, how much money has my FA made off me?

[ She does hold a few individual stocks that have been great performers, including FB (57% annualized return), AAPL (29%) and Amazon (55%). BRK has averaged 14.5% during her hold period. Of course she holds some underperforming stocks as well, including Ford and AT&T, but the FANGs more than made u...
by Grt2bOutdoors
Fri Jan 12, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Almost a pathological fear of debt, to my detriment?
Replies: 79
Views: 4256

Re: Almost a pathological fear of debt, to my detriment?

I'm like you. When I had a mortgage, I prepaid principal each month and then when the balance got down to a certain level I just paid it off. Do what makes you comfortable, even if there's a financial advantage to do otherwise. It’s a good strategy providing you have sufficient liquidity in case of...
by Grt2bOutdoors
Fri Jan 12, 2018 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??
Replies: 70
Views: 5308

Re: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??

bloom2708 wrote:
Fri Jan 12, 2018 10:11 am
At least be 100% stocks with Total US + Total International.

Diversify people! :wink:
At least? Are you suggesting the use of margin to juice it?
by Grt2bOutdoors
Fri Jan 12, 2018 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??
Replies: 70
Views: 5308

Re: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??

Lets be honest, how many of you are 100% VTSAX in your portfolio? I know I am :sharebeer No, absolutely not. Our portfolio, is: 27% Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX); 12% Vanguard Small-cap Value Index Fund Admiral Shares (VSIAX); 13% Vanguard Total International Stock I...
by Grt2bOutdoors
Fri Jan 12, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Resource on good financial practices for a graduate student?
Replies: 17
Views: 509

Re: Resource on good financial practices for a graduate student?

Many people attest to this for budgeting: Total Money Makeover - Dave Ramsey
You can watch his shows on youtube - very practical advice.

For a primer on investing and just staying out of trouble financially, read this ---> https://www.etf.com/docs/IfYouCan.pdf
by Grt2bOutdoors
Fri Jan 12, 2018 9:30 am
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??
Replies: 70
Views: 5308

Re: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??

Lets be honest, how many of you are 100% VTSAX in your portfolio? I know I am :sharebeer No, absolutely not. Our portfolio, is: 27% Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX); 12% Vanguard Small-cap Value Index Fund Admiral Shares (VSIAX); 13% Vanguard Total International Stock I...
by Grt2bOutdoors
Fri Jan 12, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Paid mortgage: Now what do I do?
Replies: 21
Views: 2556

Re: Paid mortgage: Now what do I do?

I paid off my 15 year mortgage on my townhouse. Now that I've paid my mortgage are there things I need to be aware of or do? I'm vaguely aware that I need to pay my property taxes directly (though I'm fuzzy on the details on what exactly I need to do) What things do I need to take care of, change, ...
by Grt2bOutdoors
Fri Jan 12, 2018 7:23 am
Forum: Personal Finance (Not Investing)
Topic: why do banks bother offering lousy CD rates?
Replies: 49
Views: 4566

Re: why do banks bother offering lousy CD rates?

I know people who...are afraid of sending money to a place that they cannot walk into within 5 miles of their home. This is applies to both my parents and my in-laws. I've been trying to educate them on internet bank for years - they'll have none of it (for the reason livesoft mentioned). At least ...
by Grt2bOutdoors
Fri Jan 12, 2018 7:11 am
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??
Replies: 70
Views: 5308

Re: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??

If your portfolio is 100% stocks and you're over 50 years old, I suggest you watch this PBS Frontline special from 2013: https://www.youtube.com/watch?v=A3htnbwFgoM I've watched that video several times. Interesting. On the otther hand, Mark Cuban quips "Diversification is for idiots." Entrepreneur...
by Grt2bOutdoors
Fri Jan 12, 2018 7:09 am
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??
Replies: 70
Views: 5308

Re: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??

If your portfolio is 100% stocks and you're over 50 years old, I suggest you watch this PBS Frontline special from 2013: https://www.youtube.com/watch?v=A3htnbwFgoM I'm 36. I will have a guarantee retirement for serving 20yrs in the military in 2 yrs. :) Then you are not 100% allocated to equities....
by Grt2bOutdoors
Thu Jan 11, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Company Sponsored Financial Wellness Program
Replies: 6
Views: 532

Re: Company Sponsored Financial Wellness Program

No sales pitch. It's a company provided benefit - they are paying AYCO to provide independent objective advice for employee. What are the benefits? - Improve Employee Morale, a distracted employee worrying about how to fund retirement, personal financial matters like budgeting, spending, saving will...
by Grt2bOutdoors
Wed Jan 10, 2018 3:50 pm
Forum: Investing - Theory, News & General
Topic: If I have a million with Edward Jones, in 10 years, how much money has my FA made off me?
Replies: 48
Views: 6201

Re: If I have a million with Edward Jones, in 10 years, how much money has my FA made off me?

You misunderstand. Brokerage Firm A - customer holds individual securities (Dow 30 equities) valued at $100,000. The 150% margin balance only applies if the OP's mother is borrowing against her own portfolio value. It has been 10 years but this used to be my day job. This is not how it works. The c...
by Grt2bOutdoors
Wed Jan 10, 2018 3:03 pm
Forum: Investing - Theory, News & General
Topic: If I have a million with Edward Jones, in 10 years, how much money has my FA made off me?
Replies: 48
Views: 6201

Re: If I have a million with Edward Jones, in 10 years, how much money has my FA made off me?

The costs could be yet higher if the adviser actively switches funds, each time reducing principal by the front load. So a case worse than just the AUM fee plus high ER funds is an adviser that on top of that switches you through funds. E.g. 3 switches with a front load of 5% in that time frame wou...
by Grt2bOutdoors
Tue Jan 09, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Does a UGMA do for me what I want?
Replies: 23
Views: 946

Re: Does a UGMA do for me what I want?

MP123 wrote:
Tue Jan 09, 2018 6:17 pm
I believe maximum gift without a return is $14k each so $28k to each grandchild from you and your wife. The taxes on income will likely impact parents return but that might be OK?
$15k this year
by Grt2bOutdoors
Tue Jan 09, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Does a UGMA do for me what I want?
Replies: 23
Views: 946

Re: Does a UGMA do for me what I want?

Not really..... Yes mostly on controlling the assets but cap gains, dividends etc would need to be coordinated with the parents. UTMA/UGMA are different ages in different states.... so 21 is not always the age when the minor will gain control. Also might affect any future college needs based financ...
by Grt2bOutdoors
Tue Jan 09, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Overwhelmed with how to handle taxes on large inherited portfolio.
Replies: 24
Views: 1621

Re: Overwhelmed with how to handle taxes on large inherited portfolio.

We manage all our own accounts. We have suggested to our children to go with Vanguard PAS until they are ready to take over handling accounts themselves. The taxes aren't difficult. What Grabiner wrote about estimated taxes is advice I agree with. 0.97% is way too high a price to manage your accoun...
by Grt2bOutdoors
Tue Jan 09, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Overwhelmed with how to handle taxes on large inherited portfolio.
Replies: 24
Views: 1621

Re: Overwhelmed with how to handle taxes on large inherited portfolio.

Bookmarked - will be back later to save you $15K+. You can pay it forward to someone who really needs the money - the CPA you visited, doesn't. If you decide to use him, you'll be paying for the CPA's next vacation, kid's braces, kid's education and the CPA's new shiny red convertible parked out fro...
by Grt2bOutdoors
Mon Jan 08, 2018 8:38 pm
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 8408

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

The achievement of the 2 comma club is an affirmation that following Boglehead principles can help in attaining financial security. Many of those threads show commonality with what is found in the wiki - development of a workable plan, use of low cost diversified index funds, ability to stay the cou...
by Grt2bOutdoors
Mon Jan 08, 2018 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Minimizing effect of first speeding ticket
Replies: 28
Views: 2023

Re: Minimizing effect of first speeding ticket

If you contest it and the officer shows up at traffic court, you might lose. If you pay it, it will go in drivers record. Some states offer a drivers ed/accident prevention course that will negate points and/or reduce liability insurance premiums when presented to insurance company for up to two-thr...
by Grt2bOutdoors
Mon Jan 08, 2018 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio: Any advice appreciated
Replies: 1
Views: 146

Re: Portfolio: Any advice appreciated

Do you have any questions?

Here are a few:
Are the variable annuities purchased outside of an employer provided plan? How long have you held the plan, if not employer provided?
Is that whole life insurance? How much are your annual premiums?
by Grt2bOutdoors
Sun Jan 07, 2018 9:59 pm
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 114
Views: 6401

Re: 2018 Hedge Fund contest

Where Did It All Go Fund?

Long: Bank of America - BAC
Alphabet Inc. Cl A - GOOGL
Lockheed Martin - LMT

Short:
Tesla - TSLA
Sears Holdings - SHLD
by Grt2bOutdoors
Sun Jan 07, 2018 9:35 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 141
Views: 7846

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

Here's my guess as recorded in online submission form:

2911.56

Based on my losing predictions over the last few years, why should 2018 be any different?
by Grt2bOutdoors
Sun Jan 07, 2018 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Should I invest all right now? (1.4M, 34 yrs)
Replies: 22
Views: 3737

Re: Should I invest all right now? (1.4M, 34 yrs)

Do you view the entire $1.4M as your pension? What annual income in today's dollars do you expect this $1.4M to produce? When do you expect to begin taking withdrawals from this account? How would you feel if the account dropped 40% in value, the day after you invested all of your money in the asset...
by Grt2bOutdoors
Sun Jan 07, 2018 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: How are we doing? A portfolio inquiry.
Replies: 3
Views: 269

Re: How are we doing? A portfolio inquiry.

Regarding your soon to be vested pension. HR estimates your benefit to be $20K - is that $20K today (lump sum) or $20K (lump sum or annual income benefit) when you reach a certain retirement eligible age in 20+ years?
by Grt2bOutdoors
Sun Jan 07, 2018 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Which advisor?
Replies: 5
Views: 317

Re: Which advisor?

For tax advice, pay a CPA and read IRS Publication 17. For investment advice - come here, post your portfolio, ask your questions, read some books, save yourself ALOT of money. No one at EJ or Edelman will tell you that. If you somehow managed to accumulate that large sum of monies, you did somethin...
by Grt2bOutdoors
Sun Jan 07, 2018 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: A Tale of Two 529 Plans or Don't Worry It Will All Work Out
Replies: 14
Views: 4340

Re: A Tale of Two 529 Plans or Don't Worry It Will All Work Out

If the plan was to fully fund the college education from a 529, then I would think it makes sense to put into the 529 what it costs today for 4 years of college. The fund will grow at the rate of inflation of college tuition and expenses. If you’re putting in less money than it costs today, It’s ki...